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Breaking Through, Travelling On

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  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    You've been very busy KC. Well done on the grocery spend. I might copy you there cause I spend a fortune on food and nothing to show for it !!!

    Hope the hospice visit goes ok for you. Xx
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • ZTD
    ZTD Posts: 24,327 Forumite
    Karmacat wrote: »
    Aieee, I've just read part of that. Thanks for the linkie, Z! I don't know what to do with the amount of pension money I have, though - it's spread about amongst several companies, even my pension is spread among 3 pension providers. Thing is, you can't keep that sort of money out of the system altogether, you can't - keeping that sort of dosh under the mattress, it's asking for trouble :(

    I wasn't suggesting that in particular, just to keep an eye on things. If things do go south, then the state would be best advised to ignore the ECB rules and just print the money to cover. Otherwise people would quite naturally react like they did in the 1920s and not use banks - at all. That would crimp the state's ability to see transactions, and hence tax them.

    That would make the state sad, and the state would cry... :rotfl:

    If the UK joins the Euro, then that printing option is not available.

    In either instance, keep an eye out and be ready to act. In such a situation, if you snooze, you lose. It is unlikely that a purchased annuity would be "haircut" for example, though there would undoubtedly be other options available.
    Karmacat wrote: »
    I noticed a "protecting your savings" linkie, so I'll get that free report :D and investigate what they say.

    Well be sure to report back if they have anything interesting to say.
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
  • rtandon27
    rtandon27 Posts: 5,636 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Karmacat wrote: »
    ...Hospice visit arranged for tomorrow afternoon. Hopefully my sister will be able to drive me there, and I'll get a lift back to the station...

    Hope all is going well with your visit KC.
    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 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)
    Psst...I may have started a diary!
  • Goldiegirl
    Goldiegirl Posts: 8,806 Forumite
    Part of the Furniture 1,000 Posts Rampant Recycler Hung up my suit!
    Yes, hope your visit is going as well as it can do
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
  • greent
    greent Posts: 10,751 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    :grouphug::grouphug: for you for today, Kc


    xx
    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
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Thank you all, much appreciated.

    To be honest, an awful day - to be expected in such a place with an *ex* friend I haven't seen in almost 18 months ... we both seemed to feel it was the right thing to do though, and now it's done, and a line can be drawn.

    My sister made sure she drove me there and back, bless her, even though she's off to France on the early ferry.

    I'm reacquainting myself with my DVD recorder, nothing is going to prise me away from it :) though I do have my laptop on my knee :):):)
    2023: the year I get to buy a car
  • Cheery_Daff
    Cheery_Daff Posts: 17,111 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Aw KC, take care of yourself this evening, sounds like a difficult day all round. Reacquainting yourself with the DVD player sounds like the perfect idea xx
  • Watty1
    Watty1 Posts: 6,770 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Glad for you that the visit is now over and a line can be drawn. Hope you have a nice day today :)
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Morning :)

    Well, a better day :) and its sunny too.

    There was a thunderstorm, and my broken roof *still* hasn't led to the collapse of the ceiling - roofer is scheduled for Tues, Thur or Fri, don't know which.

    The practicalities take precedence today:
    - 1.5 hours client work
    - bit of cleaning around that
    - phone a plumber about the sink outlet :eek:
    - I need to use the dishwasher so, erm, I'll hover about outside with a big plastic jug to catch as much of the outflow as I can :eek: I remember a short series of Sarah Beeny programmes where *so* much damage was caused by leaks straight onto the foundtions.
    2023: the year I get to buy a car
  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    Tenth Anniversary 1,000 Posts Mortgage-free Glee!
    Glad you have managed to draw a line - it's so hard sometimes. Only way is forward now.

    Good luck with all the maintenance jobs - been discovering a few ourselves...

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500

    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
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