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Breaking Through, Travelling On

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  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Tell me more about the chanting thing :)
    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
    beanielou wrote: »
    Tell me more about the chanting thing :)
    I found it on meetup, beanie:
    "We are meeting at a member's private house in KC's local village to chant and celebrate the Full Moon on April 10th at 7.15pm. Come and join us! To respect privacy I will let you know the address when you sign up. £10, or £5 concessions. Thank you
    Oms 'n' More Chanting.
    Healing voice techniques. Group sounds using the voice.
    Easy and fun.
    Powerful de-stress.
    All welcome. "


    I love chanting and circle dancing, I really can't get on with sitting meditations, and anything thats very systematised like reiki leaves me absolutely cold. So this would be great, hopefully.

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    2023: the year I get to buy a car
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sounds good Karma.
    Looking forward to hearing about it :)
    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.
  • ZTD
    ZTD Posts: 24,327 Forumite
    Karmacat wrote: »
    Plus I'm not going to have gardening as my only exercise - its great for the top half, but non-existent for legs and digestive processes,

    Where exactly are you putting those power bands? :eek:
    "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'
  • earthgirl
    earthgirl Posts: 3,762 Forumite
    Mortgage-free Glee!
    Hope you enjoy all the days out and chanting.

    It's amazing what you see and who you meet walking in your local area.

    My mum (69) found a walking group (they only go a few miles and people peel off as they need to) and fitness group a year or so ago and they have been great for her in a new town.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

    Progress not Perfection
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    ZTD wrote: »
    Where exactly are you putting those power bands? :eek:
    I was delicately trying to refer to the positive effects of walking on the abdominal muscles :rotfl: and I'm not going into any more detail than that :rotfl:
    earthgirl wrote: »
    Hope you enjoy all the days out and chanting.

    It's amazing what you see and who you meet walking in your local area.

    My mum (69) found a walking group (they only go a few miles and people peel off as they need to) and fitness group a year or so ago and they have been great for her in a new town.
    Thanks earthgirl - I agree, little local groups for things you want to do anyway are brilliant, and I'll definitely be looking at joining something else, as well as the chanting group. Not quite yet, as there's a lot of socialising to catch up on with existing friends I haven't seen for ages, so walking is more likely something I do on a day when nothing's been booked.

    Yesterday was a great example: a two hour walk (though maybe 40% was inside my town) and I suddenly got to spots that looked utterly deserted. They weren't - I was never completely away from the sound of traffic, for instance, even if it was far in the distance, but there was just no one around. Bliss :j

    Utterly shattered by it, of course, but not feeling ill because of that as I was until about October last year, and I just took care to do nothing else after I got back. Also bliss :D
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    2023: the year I get to buy a car
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Right, thanks to SuperSecret Squirrel and his magical table, which he magically managed to include in his thread, I have A New Plan (a.k.a. A New Hope .... see what I did there?).

    A spreadsheet to add to the others (in my Finance Folder, under the Folder title Current Spreadsheets :o I can be very literal sometimes) and these are the headings I'll watch for, month on month and year on year. Some will be static for long periods, I'm not working out the property values every month. Really chuffed at this, this is workable :j Target will be added when I've found out what figures to put in to start it all off ...

    House Value
    Apartment Value

    Cash

    S&S ISAs
    Cash ISAs

    S&S
    Prem Bonds
    Pensions
    Inheritance
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    2023: the year I get to buy a car
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I really love mse :) I came on here this morning a bit freaked out - someone on linked in has contacted me using the pseudonym that The Love Of My Life used to use (very troubled guy from a very troubled family, which is why he used a pseudonym IRL). And immediately, on here, there are spreadsheets and planting schemes and Kon Mariing, so all is well in my corner of the world after all :)

    Trying to think who I feel like right now. Prufrock, listening to the mermaids singing? Or Theseus, tying himself to the mast to avoid throwing himself into the sea to reach the Sirens? Omigod.

    Moving on. A few phone calls first - sister, brother, business partner (arranging social time, yay); finish that spreadsheet thing that SSS has taught me with the code button on here, which means finishing net worth calculation; carrying on with garden navvying.

    I dug out the final clumps of sedge yesterday, left them sitting on the grass so that the lovely chunky worms could crawl back into the soil. Then put cardboard on the de-weeded area and weighted it down. Smelt of cat pee, horrendously :( so will have to remember to protect that whole area with holly cuttings - of which there are many, strewn about my garden :p for this very purpose.
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    2023: the year I get to buy a car
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 3 April 2017 at 11:52AM
    The code thing has been really interesting - even reorganising the list of investments so I can see much more clearly what I've got where has been helpful. I've used the figures I had last month, which I *know* have changed, but that'll be useful, it'll start up the historical figures all the quicker.

    Okay, the code needs tweaking, there's fewer columns for a start, cos no history. But these are the figures as at 1 March 2017:
    300 000 house value
    70 000 apartment value
    75 000 inheritance
    15 082 cash
    49 810 pensions
    21 665 cash isas
    44 338 S&S isas
    4 400 shares
    200 premium bonds
    1 700 French cheque account (converted to £)

    less French mortgage at today's date, 1% p.a. interest: £9 232

    Net Worth (eventual, as it includes inheritance) £555 463.

    NOTES
    1. How embarrassing! That looks like I'm very rich. However,
    2. I can only access the money tied up in the house by selling and downsizing or some kind of naff capital release scheme.
    3. Money from the French apartment won't be with me for another ten years - don't want to count my chickens.
    4. Inheritance - we have an agreement to think about selling by the end of summer next year. Again, I don't have my paws on this.
    5. Some of those cash ISAs are at derisory rates, needs attention.
    6. The non-isa shares (also embarrassing!) should be sold, and not replaced with equivalent S&S ISA.
    7. Pensions (all stocks and shares) and existing S&S ISAs total £94148: I think I should probably send some of this into cash, thats too high a percentage for a newbie, povo-lite pensioner.
    8. Exchange rate I used was the one on offer today from Transferwise, which is how I send money abroad. Better than the bank by about 4 cents per euro.
    9. In future, I'll leave property out of it.
    2023: the year I get to buy a car
  • Karmacat wrote: »
    Cleaning the laptop was £40, they told me beforehand - I thought I'd have to have a new hard disc, at least, so you're right, it was bargainous.

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    I'm so pleased that your laptop didn't need a new hard drive:T.. When mine was overheating last year I asked for advice about a DIY fix on a couple of threads I subscribe to and the concensus was that it was probably just the fan that was clogged up. The laptop was 2nd hand when I bought it and I'd never cleaned the fan myself:o.

    I went on YouTube where there are videos for just about everything anyone needs to know (and some:rotfl:) and the remedies included blowing the dust out with a vacuum cleaner attachment or just lungpower. I resorted to the latter and it did the trick:j. I do it every now and then to keep things in good working order. YouTube has saved me some serious money on all sorts of things over the years;)


    Talking of vacuum cleaners, mine has finally died:(. Burnt out motor according to the repair man and not worth the expense of repairing as the machine is positively ancient and lots of other things on it could do with being replaced too:(. It's served me very well over many year so I can't complain but I need to do something fast and get a new one ordered as I've nothing else to use in the meantime.


    I spent hours last night trawling the internet and reading user reviews of various makes and models. I'm now just totally confused:o. I'd better get back to it but it's a lovely warm and sunny day and I can think of lots of nicer things to do with my time today.
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