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Breaking Through, Travelling On

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  • beanielou
    beanielou Posts: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Take care :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    :kisses3:Thank you both.

    My decision to buy the standard rate train ticket home is now bearing fruit - I can use it up till 23 January! This isn't the best start ever to a personal new decade, but some hard thinking is required about plans. Might be better doing long holidays rather than living elsewhere. The two flats hypothesis is gaining ground, with one as my main address full time. We'll see. Right now, its still the lead up to Christmas, and I *will* get well and have the odd glass of port :)
    2023: the year I get to buy a car
  • rtandon27
    rtandon27 Posts: 5,723 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Sending hugs KC! Sorry to hear you are fluish - feel better soon!
    XOXOX
    RT
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    New projection - 14 YEARS 8 MONTHS LEFT OF 20 YEARS (reduced by 16 mths)
    Psst...I may have started a diary!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Thanks RT - I've realised I can cancel my train ticket, as its a standard one, and probably buy a replacement much cheaper - it cost almost £100! because of the time of year.

    Nothing financial going on obviously, tho leftovers exist. Won a book from Martin's newsletter comp! Amazon paid me for a book. Had to cancel some sessions with clients cos of illness. Paid credit cards. That sort of thing.

    Am consoled by the thought that even if I do very little work on the tax declaration, I can alter it within a year or so. I'll do my best to get it right, but I'm not going to sweat it. We'll see.

    Hope everyone's doing well.
    2023: the year I get to buy a car
  • greent
    greent Posts: 10,783 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hoping you feel better soon x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Cheery_Daff
    Cheery_Daff Posts: 17,197 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Indeed, hope you feel better soon. Good you can cancel trains if you need to xx
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Greent, thank you :)

    Cheery, do you remember a brief conversation we had about risk reward ratio? I decided at the time to buy the standard ticket, not a "one train only" ticket that was £20 cheaper, because of the viruses I get. Turns out to have been an excellent idea ...

    My sister's doing some last minute shopping for me, and she'll deliver it tomorrow while she's on her way to return some shoes that don't fit. I have a Personal Shopper at Waitrose, bless her :kisses3:

    In other exciting news, I managed to have a shower, wash my hair and change the bedding one after the other ... I must be on the mend, slowly but surely :o
    2023: the year I get to buy a car
  • Cheery_Daff
    Cheery_Daff Posts: 17,197 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    good news on all fronts! :j :j

    I do indeed remember that conversation :) It's what makes me spend an extra £1.25 a day on work travel to not be fretting about getting specific trains :j Worth it every time! :j

    Hope you're feeling brighter soon x
  • beanielou
    beanielou Posts: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope you feel better soon.

    Have a happy time.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Merry Christmas KC and best wishes for a healthy 2015

    MWCx
    Mortgage at highest (April 2008): ~£195,000
    Mortgage-free: January 2021
    Retired: June 2022 (186 months early!)
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