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Karmacat: To Infinity And Beyond!

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  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Okay, I'm in full agreement with you there, se - very fed up too. I didn't know anything about nest - just googled it, so I'll have a read in a mo.

    Other news: Barclays have just phoned me to reiterate their decision to turn me down for a 0% purchase card. I told him I was setting up a 2nd business that promises to be very successful, and not only will I never use Barclays, I'll make sure I tell people how I've been treated. He went on and on a bit, and I told him I knew it wasn't his fault, but I didn't want to talk about Barclays any more. Bye bye.

    Sigh ... at least that frees me up to buy the lappie asap - and thats the point, I'm a good credit risk! Blah.

    Well, I have the plasterers here right now, and I'll be off to London in a few hours to work. Then I'm staying at my sister's house tonight so I don't have to come back to a builders site. She's very good to me :kisses3:
    2023: the year I get to buy a car
  • se999
    se999 Posts: 2,409 Forumite
    Seaxwyn wrote: »
    Oh dear, feeling quite gloomy now, and really I came on as I wanted to find out how you are - your health? new house? Your diary moves so fast that I can't even try to keep up to date with news.

    Sorry Seaxwyn for giving the thread a depressing slant. It was more a case of trying not to use the ostrich technique of 'head in the sand' and hoping for the best.

    Personal priorities have been to up the emphasis on health & fitness so that when we eventually get a pension we'll actually be able to enjoy the retirement.

    Looking into possiblities of setting up a business to generate revenue to fill the gap and presumably assist in retirement too have upped themselved on priority list since the announcement though, as chances of full employment for people in their 50's/60's until retirement isn't very high at the moment.

    So it's been partially a trigger to me starting to set up an action plan to cope with the changes as much as I can to limit the damage.

    KC - Sorry to hear about your Barclays experience.
  • redsquirrel80
    redsquirrel80 Posts: 12,457 Forumite
    Morning.. I'm not quite sure what I make of the budget cuts yet. So I will just say that you are best to be shot of Barclays.. and glad you have a nice place to stay tonight :)
    Debt@16.12.09 £10,362.38, now debt free as of 29.02.2012.
    "I cannot make my days longer so I strive to make them better."
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Seaxwyn wrote: »
    I found the budget cuts very depressing. I can't see why dismantling so much of our welfare state is a better solution than closing tax loopholes and taxing banks. I don't underestimate the scale of the problem but I think there were ways out of it that wouldn't have hurt people so much.

    I tell you what, Seax - I think there's really something in the "news junky" thing - since I moved, I haven't had a tv, and thats the route I get most of my news from. So the main influence for me over the last few months has been Stargate DVDs and fanfiction :D and MemoryGirl's matrix thread. I'm making a bit light of it, but its actually completely true. And those two things have let me bounce up and up and up, even in the middle of the chaos that is my new house, I've felt wonderful and given true thanks for the opportunity I've been given here. Crazy stuff is out there, and won't go away, but I won't let it touch me. So much more craziness goes on behind the scenes, that even the most avid news junky won't get to hear about, that I don't think it makes any difference what we do and don't know about.

    I became disillusioned with political action many years ago, I suppose its one reason I work on the personal level now, and I've not seen anything much to change my mind except the poll tax riots.

    Positive joining together, a la Matrix, is completely different - I've just realised, its the difference between fighting against something, and building something. Personally, I'm for building. There's plenty of people fighting things, even for good causes let alone bad ones, but I'll make my stand on building.
    Pensions is an area that particularly worries me as I have made very little provision for private pension. And am paying an interest only mortgage so won't end up with a big asset to sell. I have made bad financial decisions all my life. Unlike you, Karma - at least you have made good choices about housing.

    Oh dear, feeling quite gloomy now, and really I came on as I wanted to find out how you are - your health? new house? Your diary moves so fast that I can't even try to keep up to date with news.

    I've mostly made good decisions, Seaxwyn, but the French decision isn't so great - I didn't cost it properly. It'll make a profit for my pension, a small one - about 3% - so I'm looking forward to my early seventies, when I can sell the blasted thing without penalty :rotfl:I'm sorry your pension situation is so dire .... apart from the French place, the only private pension I have would currently pay me about £50 a month if I'm lucky, so I'm with you on that - if none of the new business plans I have work out, I'll downsize again, to a small apartment, and invest the difference. But of course my plans will work out!

    Right this is so long my actual news will be in the next post :o
    2023: the year I get to buy a car
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Oh dear, feeling quite gloomy now, and really I came on as I wanted to find out how you are - your health? new house? Your diary moves so fast that I can't even try to keep up to date with news.

    The news is pretty much all good :j I moved house in August, after decluttering like crazy, and was immediately horrified to find that I *still* didn't fit into the new house :eek: so the first few weeks I was again decluttering, as well as everything else :D Sent dozens and dozens of books to the charity shops - I started rotating which one I went to, it was slightly embarrassing - and looked again at everything I had. I mean, I'm moving partly because of the arthritis situation, am I really going to do so much DIY work myself that a pair of steelcapped wellies are going to be useful :rotfl: That sort of thing.

    The second toilet is almost fully built, which is very exciting, the counselling room and my bedroom only need minor tweaks, the kitchen is in the middle of being painted, part of the patio has been relaid as part of the new drainage system. I have to have new flooring in the office and the living room, replacement leccy meter, new wiring in the loft cos of mice, and I may well get new flooring in my bedroom and the stairs, because they smell of dog, quite frankly, but I'll try the bicarb of soda trick first.

    And I can walk everywhere I need to go, which is what I wanted!

    Its good, believe me :kisses3: I hope you find the key to that kind of positivity for yourself, Seaxwyn, I really do. Its hanging around on here with hypno, and then with memorygirl, thats done it for me :j
    2023: the year I get to buy a car
  • Seaxwyn
    Seaxwyn Posts: 4,896 Forumite
    Thanks for the update! I'm glad the move went well and the house is shaping up. All those improvements sound expensive though! I hope the money is balancing OK.

    Glad to hear about the positivity. I feel very positive too - money is always a downer, but most of the time, except when I'm on this site, I don't really think about it!

    I keep reading about memorygirl.... I daren't search out her thread for fear of another time-consuming addiction!
    Total debt: 1 January 2007 £[strike]49,387.79[/strike] 1 January 2012 £[STRIKE]19,312.85[/STRIKE] 1 August 2012 £11,517.62



  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Phew, I'm worn out reading all that lot KC - but it does sound like you've made massive progress and (almost) have the home you want :T
    Shame you had to get rid of so many books though :(

    Hope you're having a good day :)
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    macgirl wrote: »
    Phew, I'm worn out reading all that lot KC - but it does sound like you've made massive progress and (almost) have the home you want :T
    Shame you had to get rid of so many books though :(

    Hope you're having a good day :)

    Don't worry about the books, macgirl - I still have four bookshelves that are each six feet tall :eek: the collection had got a little overgrown :rotfl: And yes, this house is really shaping up to be what I want.
    Seaxwyn wrote: »
    Thanks for the update! I'm glad the move went well and the house is shaping up. All those improvements sound expensive though! I hope the money is balancing OK.

    Glad to hear about the positivity. I feel very positive too - money is always a downer, but most of the time, except when I'm on this site, I don't really think about it!

    I keep reading about memorygirl.... I daren't search out her thread for fear of another time-consuming addiction!

    You're very welcome - the improvements aren't nearly as expensive as you might think - toilet and necessary legal electrical upgrade, about £2.5k, flooring maybe £1k - which is more or less whats over from the downsize money :T
    2023: the year I get to buy a car
  • Pippajo
    Pippajo Posts: 900 Forumite
    cherisong wrote: »
    I made the mistake of listening to the radio today and some complete t*****r came on and said that the poor should be kicked to the kerb, they were a burden on society, the rich were the heroes in this country and deserved to be treated better:mad::mad::mad::mad: I swear if he had been in the same room as me .......... well, I cant say.

    This was the Jeremy Vine show on Radio 2 and the member of public was in the minority but so very out of order. The one that made me laugh was the guy who was retiring this week who felt that all working people should donate a weeks wages to the government to clear the defecit. :eek:
  • Pippajo
    Pippajo Posts: 900 Forumite
    This move has been the best thing we ever all convinced you to do :p. So glad it has worked out, just amazing.

    I really like the idea of cutting off from the bad news as that is all they ever put out on the TV and radio. We caught part of the new Reginald Perrin series last night, very funny, DH kept laughing and saying it was us!
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