Breaking Through, Travelling On

Cheery_Daff

2019 really isn't that far away, you're doing a grand job! :j :j

Karmacat

I guess if you didn't give yourself any wiggle room when you signed up for the DMP, yes, that makes it a slog do be careful you don't burn yourself out tho, CBC :kisses3: I think thats a heroic repayment rate.

The Euro mortgage on my French apartment goes down fast too, so I do know what you mean by enjoying seeing the debts go down. My payment is E657.53 per month (repayment mortgage) and this month the capital paid off is E607.72 (I keep those figures on hand in my accounts file, I *really* like to see it go down :rotfl:) there's three and a half years left now. The rental income covers less than half the outgoings, which is why I can't wait to sell once the VAT repayment restriction is lifted ... but at least the rate of interest is very low, which helps the repayments - currently only 1.4% a year.

So, today. No paid work today, which is lucky because I slept *really* badly, and my brain isn't functioning terribly well However, once I've had my second breakfast (I was up so early I'm hungry **already** ) its the book, come hell or high water. Watch this space :rotfl:

Plus two cards to send, mustn't forget those!

[Deleted User]

Perfectly put, as ever, KC! 'Wiggle room'....what a lovely phrase:), and wiggle room is exactly what I didn't give myself! Perpetual optimist, me, a big part of my financial downfall:o. Mr Micawber springs to mind.

I'm glad your French mortgage is going down quickly too. I agree with the pleasure of seeing debts disappear before our eyes:j

I hope you'll manage a better night's sleep tonight:coffee:. That's a mug of something sleep-inducing for later, not coffee by the way.

Karmacat

Thanks CBC! I had my one lovely strong coffee very early, and I'd really like another one, but I've just seen what time it is ... no way!

Huge amount of background admin work in progress ... if I *had* had any chocolate in the house, it wouldn't be here now, I'm telling you :rotfl: but I have a little bit of icing sugar.... I could make chocolate buttercream for my banana cake

beanielou

Chocolate buttercream on a banana cake sounds lush :drool:

Goldiegirl

Hello there, glad all is going well with you


Nice to see the French mortgage reducing, and it must be encouraging to see the pound is strong against the euro, currently

Karmacat

beanielou wrote: »

Chocolate buttercream on a banana cake sounds lush :drool:

It tasted lush too :j thanks beanie!

Goldiegirl wrote: »

Hello there, glad all is going well with you

Ta muchly

Nice to see the French mortgage reducing, and it must be encouraging to see the pound is strong against the euro, currently

Its such a relief, to be honest - as I've said, only myself to blame, but it was a ridiculous deal.

And yes, you're right - the change in currency rates is fantastic for me - a 30% difference, at least, its back to what it was when I bought the thing.

Been working on the book all this time ... they say its ready to be published, I'll believe it when I see it

Confession: I opened a dummy spreadbetting account late last night, I couldn't withstand it any longer. My DFW friends from the past will understand that this could be the height of stupidity on my part, as I struggled for years and years to trade, on longer and longer time frames as I started to see sense. Closing those accounts (and it was profit, because I used offers to open accounts) was what started my current pension push Anyway, this latest account is dummy, as I say, and the idea is much, much simpler than previously: moving average crosses on the daily chart, none of your 15 minutes, stochastic and macd, with targets via previous support and resistance levels (blah blah blah). Just moving average crosses on a dummy chart, looked at once in the morning, and once in the evening, with good solid stops (those are the bits of software that stop you losing your shirt. Or your Cartier watch :cool:).

I've been staring intently at a computer screen for about 7 hours now .... off into the sunshine I go. See Janet and John run across the park. See John eat an ice cream. See Janet play with Spot. Run Spot, run.

Jump, Spot, jump :j :j :j

edinburgher

I'm taking a relaxed attitude to reading diaries more often - I take a couple of weeks off and your retirement shortfall shrinks by 30%! :rotfl:

Spreadbetting is nonsense, right? I hope the dummy account gets it out of your system...

Glad to hear you sounding so happy and optimistic

Karmacat

edinburgher wrote: »

I'm taking a relaxed attitude to reading diaries more often - I take a couple of weeks off and your retirement shortfall shrinks by 30%! :rotfl:

It was you that started it, by querying how static the figure in my sig was :j so thank you for that!

Interesting about being more relaxed keeping up with diaries - part of me wishes I could do that, but otoh I work from home, and coming on here is my equivalent of popping into the staff kitchen to brew a cuppa tea

Spreadbetting is nonsense, right? I hope the dummy account gets it out of your system...

Its nonsense if you do it the way I did it being too timid to do anything, and nonsense the way some of the people I met did it - £300k thrown away :eek: but I met a lot of other people who were obviously doing very well. Unless they were the sort MrMoneyMustache talks about, in debt up to their eyebrows :eek:

Glad to hear you sounding so happy and optimistic

Thanks Ed The last decade has dealt me a lot of blows, on every level, and I'm really starting to see my way clear.

rtandon27

Morning KC!


I'm awfully envious of you being able to work from home! Have been stuck on a train for over an hour not moving just 5 minutes out of my station! Signal failure they say...


Happy Monday!:rotfl::rotfl::rotfl: