Karmacat: I'm passionate about my DFW journey to riches

Karmacat

Aha! Well, at least one of my m.b. mistakes has had no effect. I could only bet £15 or so earlier this week as a qualifier, but SB have still credited my account with the full £25 - I expected to get just the £15. Hurray!

1350 update: very slight oops. Worked it out on the li'l spreadsheet, but then forgot to use the right figure. Kn*ckered myself to the tune of a pound or so, okay. I'm gonna make myself a to-do list for when I matchedbet.

Other stuff: I was watching my spreadbetting charts, and saw a massive great spike in the cable rate and the FTSE100 - whhaaaattt???? I thought to myself? Switched on the TV to find out that the Fed in America has cut the base rate there on an emergency basis by 0.75%. A-ha! Eureka! And all that....

Karmacat

Well, today has been a bit of an eye-opener. I've been finally, finally getting to grips with my French accounts. And the state of the paperwork reminds me of nothing so much as what I read from newbies in their first post on the dfw board: you know, I haven't opened the envelopes, I don't know what the rate of interest is, I don't know where to write to. All of that. Its a sobering experience.

I thought my doziness about the accounts was just about not liking to get to grips with the technical French vocabulary, but its not: its about not liking how dumb I was in the first place to get into a 15 year mortgage when I didn't know how the rate of interest was being calculated (its a % above LIBOR, not like in this country), I didn't know what the exact income would be, and I didn't know that that income wouldn't cover the mortgage. I knew from a few months after I started buying the place that I'd have to get an English loan, but until the mortgage actually started, I didn't know about the income not covering it. Thats shocking, and it needs to be down in black and white.

Never again. I'm off to amend my sig, the French mortgage is going on it right now.

ZTD

But now you've done it, you don't need the denial in the future. So everything is going to be easier as far as that's concerned.

Karmacat

Thanks, ZTD . Thats absolutely true. And I've also got a method of storing all the invoices concerned - a separate transparent pocket for each monthly bank statement, and the relevant invoices stored behind it. Still working on how to store the rest of the gubbins, probably just keeping up to date with the file system I already have, but the invoices have been all over the place, and that has to stop. I'm really pleased I've managed to do this.

Sea78

Well done for the progress hon - what are the plans for now?

Sea xx

Karmacat

Hi Sea!

Yeah, I was wondering that! Definitely carry on and improve at the matched betting. Seems like most people go on to arbs.... I might have to stop doing surveys for a while, that time would be better spent studying how to arb....

Mystery shopping.... just done two this week at quite a distance from my home town, and I'm really not sure the time is worth it, not for the summer anyway. In that time, I could be studying/doing arbs, or working in a newly established veg garden, both of which are very mse.

Plans for *me*: got my passport renewed, and I'm off to France in April, very DFW - my sister has a farmhouse in Normandy, just bought it, I just have to get to her house, £10 rail fare, and she's driving me and my mum there. I'm taking a fair bit of food, rather than relying on French food, cos we'll be working on the house quite a bit, and I'm veggie with allergies to wheat and cow's milk, so not ideal for Normandy! Will have a bit.

Then in April, I've got enough Tesco points to do a deal for a Eurostar ticket! Going to go to Germany, a cousin has invited me, and my bessie mate is living in Aachen and is desparate for a visit.

Then in June I'm going to see Michael Shanks!!!! :happyhear In Northampton!!!! Very odd, that he's in Northampton ... of course, he's in Germany in April too [KC slaps herself upside the head].

Oh you didn't mean *those* sorts of plans? :rotfl: I can plan for England. Europe. Possibly the world.

elantan

i think you would benefit from the same book i sent panda it helped me no end ...as for the mbing yep i have made a few mistakes if it wasnt for my angle i wouldve made a hell of alot more i can tell you

Sea78

Hey Karmacat - those plans sound pretty good to start with

sea xxx

elantan

can i ask who is michael shanks ? panda meant to say sorry (dumb !!! that i am) the book takes ages to read and absorb your doing better than i did already

ZTD

He's a himbo...