Travelling On

Karmacat

Cheery_Daff wrote: »

Sounds like a great decision all round given the amount of faff for the reward, well done!

beanielou wrote: »

Good that it is done

the_cross_rabbit wrote: »

:hello:
CRx

Thank you all! CR, thats particularly cute, for some reason!
:hello::hello::hello: to all


I went off to do a bit of gardening, so I haven't done the other company, also a reinvestment scheme: I get regular postal updates from them, but nothing is on the website after 2010. Hmmm. Not going to phone them now, no way, but thats for tomorrow, for sure. I have a figure called "total relevant cash value of dividend", so just as an experiment, I'm going to put that into the hmrc account later on, and see what it looks like, these things can be altered at the drop of a hat, until you actually submit the thing. I'm very curious to know if they're going to charge me for the French apartment, even though I'm not working.

themadvix

My Mum got Abbey shares for mine and my sister's children's accounts when they privatised. She'd always considered them ours (not that we saw the paltry dividend money :rotfl: ). Finally a couple of years ago we got the forms for transferring them... toom complicated.... so she sold them and gave us the money. In the end having the cash was much easier than the shares, so totally understand where you're coming from. And if there a similar number to what we had, there wasn't enough there to be life changing anyway!

Karmacat

Hi madvix, thats good to know - yes, certainly not lifechanging, less than £1k - good to have, but not lifechanging and you wouldn't *believe* the annual amount of paperwork that goes with them, more than any other company. I certainly should have sold them before Santander took them over. Done now, anyway

Slightly shamefaced this morning because I cancelled going to my U3A Ancient History thing because of the kitchen fitter appointment. Fitter at 8.30, U3A at 10, I just couldn't do it - examining the minutiae of the kitchen on no breakfast (catastrophe in the microwaved-porridge department :rotfl:) and no clean pans to use for lunch when I'd be getting back at about 12.30.

So now, the dishwasher's finally on, and I have a much better idea about what will happen. They were saying I might be able to "get away with" timber supports to the joists, instead of an RSJ - even the same price. I opted for the RSJ.

I'm going to have to make my office into my kitchen, so my office is going to have to be very clear, all the scanning and paperwork tidied away like crazy. This is even bigger than I thought it was going to be ...

Anyway, yesterday evening I managed to input the final dividends and savings figures accurately, and my personal allowance is applied to all of it, so no income tax payable, phew. That would have been the icing on the cake, and not in a good way.

[Deleted User]

It sounds as if your kitchen plans are all coming together:beer:. Once the experts are called in it's surprising how quickly things move, it seems like only yesterday when you first mentioned about having someone from Wickes come round. I know there'll be a lot of upheaval but it will be so worth it in the end:j. A kitchen that's a pleasure to work and eat in is a dream of mine;). Good on yer for actually doing something about yours rather than just thinking about it like I'm doing:T

beanielou

Kitchen plans coming together & no tax to pay :j :j

Karmacat

Thanks both! And as the fitter was leaving, I remembered about the leccy by the front door: moving the phone connection nearer to its entrance into the house, and putting a leccy plug plus usb fixture there so the phone and the modem are on the same side of the door: at the moment, the wire between them runs under the doormat

:eek: Not good, obviously!
He was trying to tempt me to do a bit of trunking, but I'm passed that. You won't see it, he said. But I will, every time I come down my stairs, its right in my face. He accepted it in the end.

carbootcrazy wrote: »

A kitchen that's a pleasure to work and eat in is a dream of mine;). Good on yer for actually doing something about yours rather than just thinking about it like I'm doing:T

Don't be too hard on yourself, CBC - I only feel free enough to do this because of my mother's house money. And I can already tell that the amount I need to pay out could be double what I thought, if the repairs to the garden gates etc, and the vandalism on the gateposts, is all made good. No way I could do that from savings and still have holidays of any sort.

[Deleted User]

Karmacat wrote: »

Thanks both! And as the fitter was leaving, I remembered about the leccy by the front door: moving the phone connection nearer to its entrance into the house, and putting a leccy plug plus usb fixture there so the phone and the modem are on the same side of the door: at the moment, the wire between them runs under the doormat

:eek: Not good, obviously!
He was trying to tempt me to do a bit of trunking, but I'm passed that. You won't see it, he said. But I will, every time I come down my stairs, its right in my face. He accepted it in the end.


Don't be too hard on yourself, CBC - I only feel free enough to do this because of my mother's house money. And I can already tell that the amount I need to pay out could be double what I thought, if the repairs to the garden gates etc, and the vandalism on the gateposts, is all made good. No way I could do that from savings and still have holidays of any sort.

Thank you, you always make me feel better:A

We have some trunking from the tiny bit of additional wiring we had done in the early 1990s. OH wouldn't pay the little bit extra needed to have the wiring chased into the wall. That's one thing I'd definitely want removing when we eventually have our rewire;).


I think OH goes round with his eyes closed, he just doesn't see the house's defects. It's not just cosmetic things, half the electric sockets in the house were isolated by the emergency electrician I had to call in last winter when we had no electricity at all for about 24 hours. The existing 1970s wiring is so corroded that's it keeps blowing the main fuse when anything is plugged in. We have had more subsidence (a drawback of living in a clay area:mad:) and the dreaded damp is, I'm sure, a health hazard especially as we get older:eek:. He keeps getting quotes for bits of the work but backs off having anything whatsoever done when he tots up how much it will all cost. He then tells me he'll have this bit or that done but there's no need for the rest and I'm just making a fuss about nothing:eek:. I keep telling him there's no point trying to get someone to patch up the electrics unless the structural work is done as the plaster is going to have to be chipped off right down to the bricks anyway. We've been told by 3 electricians that a total full house rewire is needed. One of those who examined it doesn't even do electrical work now he's retired so it's not as if he was trying to drum up a job for himself.


Sorry about the rant:o. It all really gets me down sometimes. It must be wonderful to be in your situation and only have yourself to suit.

Goldiegirl

Hi, KC, just catching up on your diary.

I didn't know you'd had a second cruise! I knew you'd been on the Norwegian one, but I didn't know about the Spanish one. I missed all the excitement. That's the trouble when you visit cities on a cruise, you only ever get the briefest of overviews.

I'm a fan of garden centres these days. There's so much to look at. We go to Dobbies once a month. We pay £10 a year to be in their loyalty club. We get 10% off plants all year, and they have a couple of 20% off days, in spring and Christmas. But the real attraction is the two free cups of coffee each month. For us, that's £10 for a years coffees. Dobbies recently opened in Edinburgh Wool Mills concession in store, which is nice to browse. In the sales I got a £40 Country Casuals top reduced to £15 which was a bargain.

Good progress on the financial and kitchen fronts. A bit of progress each day - can't be bad!

Karmacat

carbootcrazy wrote: »

Thank you, you always make me feel better:A

You're very welcome :kisses3:

I think OH goes round with his eyes closed, he just doesn't see the house's defects. It's not just cosmetic things, half the electric sockets in the house were isolated by the emergency electrician I had to call in last winter when we had no electricity at all for about 24 hours. .....
Sorry about the rant:o. It all really gets me down sometimes. It must be wonderful to be in your situation and only have yourself to suit.

Oh my word, CBC - I'm not surprised it gets you down. My (colleague) partner sounds very similar to your OH - he and his wife owned their house, and rented out another one, and when they separated a few years ago, they took one each. Hers has been rewired, replumbed, and made a pleasant place to live. His exists in the lurking shadow of peeling wallpaper and damp, though admittedly he had new tiles in the kitchen ...

Pleasing myself - well, thats true, I can't deny it. But I'm afraid that thats my situation cos in my personal life I'm a bit rubbish at the various compromises of life :o:o

Goldiegirl wrote: »

I didn't know you'd had a second cruise! I knew you'd been on the Norwegian one, but I didn't know about the Spanish one. I missed all the excitement. That's the trouble when you visit cities on a cruise, you only ever get the briefest of overviews.

It was just a week long one, and to be honest I didn't like the format nearly as much as the Norwegian - it was just about the length of the visit, as I wrote earlier. Mind you, it meant that we saw a bit more of the shipboard entertainment, weirdly - my cousin , much younger than our lot, loves getting to know the performers, and playing bingo, so we got to see that side of things

I'm a fan of garden centres these days. There's so much to look at. We go to Dobbies once a month. We pay £10 a year to be in their loyalty club. We get 10% off plants all year, and they have a couple of 20% off days, in spring and Christmas. But the real attraction is the two free cups of coffee each month. For us, that's £10 for a years coffees.

I checked out the stores locator on their website :rotfl: thats a great deal, but there's none near enough to me, shame!

Good progress on the financial and kitchen fronts. A bit of progress each day - can't be bad!

Thanks! Thats exactly it. The garden too, even though it was so cold - just pulling up grass in the borders, I hope the plants aren't too vulnerable because of that, plus chopping back some hedges. Again, its a quantity thing - my neighbour's bin is being collected next Tuesday, I want it well full by then :rotfl: Very cold, though, and I'm just starting to warm up

apple_muncher

Hope you have warmed up by now...!