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  • beanielou
    beanielou Posts: 95,464 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Take care xx
    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
    Thanks beanie, you too xxx


    I've just checked on a few things: my cc payment went through the second time, fortunately, and I checked on cash ISA rates: the best 1 year currently available, according to Martin, is Virgin at 1.45%. Pleased its Virgin, as I had a Regular Saver with them, and when it finished they transferred it to an ordinary savings account with a comparatively decent rate, so I'll go for it tomorrow morning - not doing it at this time in the afternoon, I don't trust myself with that after falling for that scam at 6pm recently!


    Been doing some tidying upstairs. Ye gods and little fishes, I'm messy :)
    2023: the year I get to buy a car
  • maddiemay
    maddiemay Posts: 5,104 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I am sorry that you fear the return of something horrid, like other have said I do hope that you can ward it off.

    BTW Happy New Year, this is the first time I have got to posting on your thread in 2019 :o You have achieved so much in the last few months, try and make time for your body to rest and repair, keep trying the 15 minute burst for things that you feel must be done if you can. (I know it is easy to say and not so easy to do:D:D)
    The best thing about the future is that it comes one day at a time. (Abraham Lincoln)
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    :hello: Hi Maddie! Thanks for posting, and Happy New Year to you too :)

    Thats a good idea, actually, especially for the gardening work, going back to 15 minute bursts. The finances are more or less done, I just need to

    - automate the return leg of feeding the account
    - open up an isa
    - submit the French accounts, which are done, and scanned.
    - tidy paperwork to be stored.

    Then, I'm on to cleaning: the house is unbelievably dirty :o much worse than "I haven't cleaned for a month". I'm not saying how dirty :o:o:o

    But none of that has to be done to a schedule :j
    2023: the year I get to buy a car
  • apple_muncher
    apple_muncher Posts: 15,234 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Karmacat wrote: »

    What I *really* need to do is make space in my life to listen to mindfulness/hemi-sync CDs on my old personal CD player ... it's a part of being human I really don't nurture.


    You have been working hard to make space in your garden. So now you need to make space in your life, missus. Am only quoting you back at you! Stuff the mess :D.
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Karmacat wrote: »
    I've just checked on a few things: my cc payment went through the second time, fortunately, and I checked on cash ISA rates: the best 1 year currently available, according to Martin, is Virgin at 1.45%. Pleased its Virgin, as I had a Regular Saver with them, and when it finished they transferred it to an ordinary savings account with a comparatively decent rate, so I'll go for it tomorrow morning - not doing it at this time in the afternoon, I don't trust myself with that after falling for that scam at 6pm recently!
    Remember if you're below the tax threshold you don't need to have an ISA. Aldermore are currently offering I think 1.99% or 2% for a year and there is £15 cashback on quidco :T.


    If the b*gger does indeed visit I hope it is fleeting :(.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • themadvix
    themadvix Posts: 8,714 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Just catching up KC and I hope you manage to fend the virus off/it's not as bad as you think it might be. Remember, you're in an entirely different place health- and life-wise now - hopefully it will take note and be scared to stick around for too long!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    You have been working hard to make space in your garden. So now you need to make space in your life, missus. Am only quoting you back at you! Stuff the mess :D.
    Point taken! I'm recharging the battery I use in my computer mouse right now, after that, it will be the batteries the CD player uses :) it's the easiest thing in the world to use a cd player like that! I'm also going to buy some more eneloop batteries with the voucher money, they're very, very efficient, and I need more if I'm going to use the cd player :)

    gallygirl wrote: »
    Remember if you're below the tax threshold you don't need to have an ISA. Aldermore are currently offering I think 1.99% or 2% for a year and there is £15 cashback on quidco :T.

    If the b*gger does indeed visit I hope it is fleeting :(.
    Thanks Gally :) the thing about the isa though, if you earn more than £1000 from interest, its taxable - and I don't want to test whether someone who's below the tax threshold can get away with that. Those rates you've mentioned are much better than Martin's rec, thank you :j

    themadvix wrote: »
    Just catching up KC and I hope you manage to fend the virus off/it's not as bad as you think it might be. Remember, you're in an entirely different place health- and life-wise now - hopefully it will take note and be scared to stick around for too long!
    I like the thought of the virus being scared :rotfl:
    2023: the year I get to buy a car
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Afternoon all :) it felt like I started today quite late, though I didn't really, and nearly all of it has been consumed by housework/ tidying/ putting the shopping away. Ridiculous! Though every time I go upstairs, I take a few kitchen gizmos with me, so I don't need to make special journeys to move the kitchen equipment :) At least I've also done SB and YG. but that really is all.
    2023: the year I get to buy a car
  • beanielou
    beanielou Posts: 95,464 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Take it easy :)
    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.
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