Breaking Through, Travelling On

Cheery_Daff

Very productive there KC! :j

I've decluttered about 6 tonnes of plaster and several bin bags full of polystyrene wallpaper :eek:

Goldiegirl

Great decluttering!

It's astonishing just how much paper is lying around, surplus to requirements.

I keep thinking I've got rid of all my paperwork that I no longer require, but there is always a little more, lurking in corners

edinburgher

sort of like Germany's bond rate at the moment

Now that is a wonderfully nerdy comment

Is your sig up to date? I'm not stalking, but I'm sure it can't still be 5.92%?

Karmacat

edinburgher wrote: »

Now that is a wonderfully nerdy comment

you know it :j:j:j nerdy and proud

Is your sig up to date? I'm not stalking, but I'm sure it can't still be 5.92%?

Ah. You know how I'm always going on about how low my income is? Hang on ....

Ed, I've always thought there's simply no space for savings or pension contributions from income. Can you net the following items and tell me what it comes to? I don't trust myself with this:

- £250 per month to a Regular Saver linked to my cheque account, at 4% p.a. (£1,000 in there right now)
- transfer of £3,200 from savings to cover tax bill and the latest payment to France to cover the dratted mortgage.
- £1,140 wasn't needed, so I sent about £950 back to the savings account.

Does that mean £60 net has been saved, or £60 lost from savings? I think its lost from savings ....

However - my Friends Life pension reported the last six months this week, and its increased by £1633, which is **huge**!

Hmm, I've altered the sig now (and thank you! I really appreciate you thinking of it!) I've put in lots of dosh from Sainsbo, that £1633 payment, and I've subtracted the £60. So its now 9.23%!

But none of that is from savings, I just don't have any money to save not with sending all that money to France to pay for the stupid apartment.

Current Income
Counselling

Projected Income
Counselling
Online Counselling (possible)
Online Supervision (possible)

Matched Betting

Dooyoo
Textbroker
elance

blog and book
cat designs

renting out house and living elsewhere

Now you know

Hopefuljoy

Hello Karma! Done all my budgeting today and having examined the books worked out I might have a surplus 12 pounds at the end of March. I'm very pleased as I will have paid off a 300 overdraft accrued singer Christmas which had really weighed on multiple mind.

I haven't the foggiest on the figs you provided! I do it all by broadsheet. Am waiting on some refunds from travel expenses to course but haven't concluded them in case there's a problem getting them.

Saw my son and his fiancee today. They are doing very well!!

Have a lovely Sunday and see you soon!!

Karmacat

Hello hopefuljoy!!! How lovely to see you

So you're like me with figures :rotfl::rotfl::rotfl: Ed will be despairing! And its tight for you too ... I really hope mine will be improving, because now that I've gathered in all the leftover accounts, the only *proper* increase in funds is coming from compounding. I think

I'll be getting out into the garden tomorrow if it stops raining, weeding and generally getting the ground ready to provide me with some nosh

Cheery I didn't quite see you there earlier :rotfl: love your description of your decluttering :T just don't declutter the bricks along with the plaster

edinburgher

I am *very* confused by what you want me to calculate!

Regular savings (for year) = £250 * 12 = £3,000 -
Expended savings £3,200 = -£200 +
Returned savings £950 = £750

Not sure I get it. Well done on the pension growth, it has been a good period for S&S

Karmacat

edinburgher wrote: »

I am *very* confused by what you want me to calculate!

I broke the internet seriously, there's no hope if *you're* confused!

Regular savings (for year) = £250 * 12 = £3,000 -
Expended savings £3,200 - 1140 = £2060
Returned savings £950
Used up in day to day living 1140 - 950 - £190

My alterations in bold, I like the way you've put it.

Not sure I get it. Well done on the pension growth, it has been a good period for S&S

I'm quite sure *I* don't get it ... It doesn't really matter, to be honest. I'm living at the minimum I can, occasional "treats" are sort of £1 affairs, I don't need to know the details to know that I need more income and more savings.

The pension growth was good, wasn't it! I'm very happy to see that

But I really appreciate you commenting and taking the time to try work it out, thank you **beams**

Karmacat

Ran *another* plan I have past my sister this morning, she approved so I'll run it by the peeps here: comments and thoughts appreciated.

Renting this place out, there'll be personal stuff I won't be taking with me, which I also won't want to leave in the house with tenants. Certainly don't want to waste money by renting a storage facility, and nor do I want to dump stuff on my sister - she's got her own ordinary decluttering to do, plus most of the contents of her French house to find space for. And depending on her to sort out my issue isn't really on.

But I've had a brainwave :j I have a brick shed - it has an old asbestos roof that I want gone, the wooden doorframe is rotting, and though the mortar on the wall that abuts the house is very good, the rest of it is crap. But if I had specialist bods remove the asbestos and then have it roofed in polycarbonate like a conservatory, plus repointed inside and out, and a upvc doorframe and door fitted, I could store my stuff in there, and use it as a greenhouse of a sort when I come back.

What do people think? Any issues, any flaws I don't know about?

Been tidying the living room, it looks less like a bomb's hit it.

This is still the plan/plans:

Karmacat wrote: »

Current Income
Counselling

Projected Income
Counselling
Online Counselling (possible)
Online Supervision (possible)

Matched Betting

Dooyoo
Textbroker
elance

blog and book
cat designs

renting out house and living elsewhere

In aid of which, little bit more decluttering:
55 2 bottles of bath foam decluttered by pouring it into the liquid soap dispensers - I don't *have* baths any more, just showers, and I'm drowning in little bottles of gifted bath foam
57 before there were shopping trolleys, there were mini trolleys like tiny versions of what you see at a warehouse even now. I had one and I have one no longer, though since its going to the recycling tip, I took the bungee line off it.

Cheery_Daff

Like your thinking with the shed! :j No idea about feasibility Depends whether you can safely make sure it won't get damp I suppose, and that tenants won't be able to get in, and it's not in danger of being broken into? Main problem would be damp but if you sort that, and then you can use it like a little summer house too when you get back, that's cheery