Breaking Through, Travelling On

edinburgher

My future self is somewhat peeved with my present self, life is throwing obstacles in the way of not wasting money

The current DIY storm is great, as it's adding value and comfort to our home, but it's a massive pain in the bottom, as industrial estates do not have healthy food!

Really need to get back to basics, I've made a packed lunch for tomorrow already and will grab the thermos flask for an easy (real) coffee before work :money:

You are finding money left, right and centre KC, you will be gutted when you find the winning lottery ticket from 5 years ago :rotfl:

mizmir

Just dropping by to say hello - am back and catching up! Liking the finding money - nice one!

Karmacat

Cheery_Daff wrote: »

I keep trying to do that KC Never quite managed it... :rotfl:

Like the idea of not borrowing from your future self though :j I spent £5 on lunch etc while out today Must get a grip!

I was thinking of you a little bit actually - like ed, you're of an age where compound interest could really, *really* work for you :j

Goldiegirl wrote: »

When we are out and about now we are much more likely to take a snack with us. My future self might thank me, but my current self wants to do this, as I can be sure I've got something low in sodium with me!

When my gluten allergy was at its worst, it was absolutely crucial, yes, health reasons make it much more likely that we'll do this stuff.

Our dining room window sill is very sunny, and a few months ago we did a little experiment with seed growing. We planted chives and three other seeds. The chives grew fine, and the other things sprouted, but I lost interest , and everything died off.

I will try harder next time!

Awww! Anything that *can* grow outside, like chives, *is* going to grow outside :rotfl:I do tend to over-water, and kill things off that way, but I'm also horrendously bad at actually harvesting food I've grown which sort of defeats the whole object lets face it, we all have stuff we need to work on! You're in the middle of a big life change, Goldie, I'm not surprised the plants upped and died on you. I thought I'd have fully stocked my garden with food plants by now, four years from moving, but its just not so :cool:

edinburgher wrote: »

My future self is somewhat peeved with my present self, life is throwing obstacles in the way of not wasting money

The current DIY storm is great, as it's adding value and comfort to our home, but it's a massive pain in the bottom, as industrial estates do not have healthy food!

Really need to get back to basics, I've made a packed lunch for tomorrow already and will grab the thermos flask for an easy (real) coffee before work :money:

Thats a tricky one, no mistake, ed - planning stuff the evening before is the way forward, without a doubt. And thermos flasks are great. I used one when I was still working in London on Friday evenings; I really needed a hot drink on the late train on my way home. The flask wasn't very efficient, but I'd make a cuppa tea at the therapy centre just before we left, at about 9.15, and it was still piping hot for the train. Saved me a lot of money!

You are finding money left, right and centre KC, you will be gutted when you find the winning lottery ticket from 5 years ago :rotfl:

:rotfl::rotfl::rotfl:Nooooooo! Don't say that!

Karmacat

Hi miz :hello: I'll pop over to yours in a bit and see how your holibob went

Karmacat

Right, plans for today:
[STRIKE]- two very tricky phone calls[/STRIKE]
- 1.5 hours paid work
[STRIKE]- phone the spread bettor company about closing both accounts - they need banking information.[/STRIKE]
[STRIKE]- phone my public liability insurance people, and pay by phone - it runs out today I'd do it by phone anyway, thats free, as compared to the cost of a stamp, but I should have done it before now [/STRIKE]
- clear a space to plant the garlic, **please**! I did lots of pruning and slate-chip-cleaning yesterday, which cleared my patio a lot, but the garlic has to go in soon.
- finish the book editing! And start thinking about a publishing path.

Yikes, thats a lot of phone calls. Lets hope the admin calls are boring


Note to self: next year, I'll have to pay the annual fee (for about 9 months work), but they also provide "run off" insurance, for claims against you after you've retired - one off payment of £15 for 3 years, which seems very reasonable :j

Keeping it real

Cheery_Daff

Karmacat wrote: »

I was thinking of you a little bit actually - like ed, you're of an age where compound interest could really, *really* work for you :j

I'm ashamed to confess I have no idea what that sentence really means :rotfl: I mean, I understand that if I put a little away now it could turn into a lot later, but it all feels so far away...

(and in 40 years time or whenever I retire and I'm in a bedsit eating cold tinned soup and cursing myself, feel free to say 'I told you so!' :rotfl: )

Karmacat

Well, but that *is* all it means :rotfl:and I think you've got a lot of the pieces already in place The *how* is a bit more than that, of course - you've got a contributory pension at work, don't you? Do you put your savings-for-the-future in an ISA? Maybe look at what Martin recommends as a low cost tracker fund, starting with a small monthly investment?

And if I'm around in 40 years or so, I wouldn't dream of saying 'I told you so' :cool: I'll be too busy preparing for a birthday congratulations message from, um, I suppose there'll be a king then, if there's a monarch :eek: You can come round for cake, if you'd like

Blimey, what a thought experiment :T

Phone call to the spread bettor went *very* smoothly, they turned out to be absolute lambs. In fact, I'll name them: Capital Spreads. They're even prepared to send the euros directly to my French bank account, on receipt of a scan of a bank statement, which I've just done now. And they're prepared to do it for no charge. Kudos, Capital Spreads! I've also registered the card to my new cheque account in this country, and they're sending that straight away. Can't believe they're that good!

Others are slower going, but this puts me well on :j

Goldiegirl

I hope your life admin is going well KC

My current self would like to go back in time and ask my previous self to put a lump sum away, so I could get lots of compound interest, and I could now rediscover it!

Although the rate of interest on an old account would now be so low, the interest would be pennies! Important to review accounts all the time, I've learnt that one!

Edit - we posted at the same time - you are making good progress

Karmacat

Thanks Goldie! I was on your thread while you were on mine







ETA - updated sig to 5.11% of the net pension amount required, I decided to put the euro money into the pension figure - I'll do a swapsie on more or less equivalent money to my savings account later on. Couldn't quite face all that money just going to "voucher" money - and it sends the pension figure achieved to just over 5%, hurray. I'm pretty sure thats the last of the found money, so financially its on to doing the accounts and trying to make sure I'm Tax Dark, and matched betting. Rocknroll.

Karmacat

I put dosh equivalent to the euro money over to my savings account - which is now in fine fettle

And I had a quick look at my tax situation for last year; ignoring France, I *think* I'm already Tax Dark, because I made a pension contribution from savings last year, and my income is so pitiful!

So:
to pitiful income
:j to Tax Darkness!

Note to self
Including France ... if I fill in the "foreign" section, as opposed to domestic (because that includes holiday accommodation rented out in the EC) I can reclaim tax paid in France .... since I subsidise the carp out of France with my English income, I should be able to get that money back, maybe for a few years.

Its stopped raining - off to the garden, finally.