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    • Karmacat
    • By Karmacat 2nd Jan 18, 2:38 PM
    • 31,896Posts
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    Karmacat
    Travelling On
    • #1
    • 2nd Jan 18, 2:38 PM
    Travelling On 2nd Jan 18 at 2:38 PM
    2018 really is a “travelling on” year for me: the final push, as far as finances and organisation are concerned. But I still need to look after the rest of me, so here it all is, adapted from the review I did on the last few pages of my previous diary:

    Make good memories.
    Building on last year. Carrying on reconnecting with old friends and new.
    Make new friends, especially locally.
    Our little board games group - we're all retired now!
    Rejoin the local writing group?

    Plus holidays and creative work, see below.

    Holidays
    A UK holiday for all three of us, probably to Hadrian's Wall.
    A cruise: current thinking is a 14 day-er with Tui to Norway; you could really do Norway in that time.

    Creativity
    I wanted to do lots of writing around one blog, and lots of design work around another, and I haven't done either of those things. I've missed it. A second edition of my original kindle book is needed, a new kindle is nearly ready, I can do a novel. There are a couple of options for another factual one.

    And if I'm ever going to design any cat cards or geometric patterns, this is the year.

    Jobs around the house
    The house is definitely my house now, not a work-live space. Replaster the hall, repair the hardstanding and the patio, some electrical work on the ground floor. Lots of other bits that are really little.

    Garden
    Weeding, getting compost, topsoil and bark chippings down, so I can plant edible perennials.
    Frences need weatherproofing. Prunings from hedging plants need burning to add to the soil.

    Health
    I'm carrying on
    getting better – need to get enough sleep. And I need stamina and strength – just enough to have a day out in London for instance.
    Healthy walks run by the local council. Dance classes, by the end of the year?

    Finances.
    MSE wins
    Swagbucks and You Gov right now, but I'll be going for Pinecone Research and Prolific Academic. Anything of that type that I can do from my armchair!
    Pensions
    I haven't done anything – luckily, the Stock Market hasn't collapsed, but I really do need to safeguard it, simply because I don't earn money any more.
    Online Sales
    I've kept some items back from the charity shop, things that will probably net £5 or more. Spread throughout the year, do it or donate it.
    Change current account
    HSBC have irritated me with their crazy fraud software for the last time. When my Regular Saver terminates, I'm moving.
    Insurance
    I just renewed last year, for ease, it was less than a month after the funeral. But I want a cheaper alternative, and I need to get quotes for insurance of all this jewellery I now have.

    Accounts
    2016/17 in the UK, and 2017 in France. I don't know if I'll need to do UK accounts after this year – I might have to, even though I've no UK earnings, because of the French apartment.
    French accountant
    I have the possibility of shifting accountant, people have got a computer programme going for leaseback properties like mine. Do I take the risk of moving? I'll have to decide really soon. Probably not worth it if I'm selling.
    Tackle French mortgage.
    The mortgage ends in September next year! About 630 euros a month goes to capital repayment, and the interest rate is 0.95% p.a.
    Ability to sell the French apartment?
    If I could sell it without penalty (huge VAT payment) I'd love to get rid of it now. I don't care too much what I'd get for it, even.
    My mother's house
    We'll be putting it up for sale in the summer; it was recently rewired, which is good, but it's still a fixer-upper, there's no doubt. Quite a bit of work in it.

    Counting Blessings”,says greent.
    I used to do that all the time. Last year felt short on blessings, to be honest, but even so my brother and sister and I have come together very strongly, we've met up with the Norfolk rellies, a new baby was born, I went catsitting twice, and that's just the big stuff.
    Next year will be more settled in the basics, so that everyday events feel more fun, and there'll be lots more opportunity for fun one-offs: I'm off to London this week and the next for days out. Another baby will be born in summer 2018!

    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
Page 149
    • teapot2
    • By teapot2 21st May 19, 8:54 PM
    • 2,293 Posts
    • 9,534 Thanks
    teapot2
    Happy travels and enjoy the exhibition
    • Karmacat
    • By Karmacat 22nd May 19, 6:51 PM
    • 31,896 Posts
    • 188,247 Thanks
    Karmacat
    Aww, thank you all we had a great day. Edvard did us proud, his paintings are as impressionistic and as colourful as Van Gogh's, and I understand why his prints are a bit gloomy now: poor guy, his mum died when he was 5, his only older sister when he was 13, his largely absent father when he was 24. Anyway, then we had tea outside, and found a fossil shop on Museum Street that neither of us had ever seen, which was even better

    Sorry just catching up, I dont clean my cans. I also don't really clean fruit or veg. Apples get rubbed against the leg of my jeans (like a cricketer), broccoli or cauliflower gets a swish round in the pot with cold water before the water they cook in goes in. Potatoes get peeled. Oh and bananas get peeled lol.

    Dont throw me out for being a mank please !!!

    Kc I understand where you are coming from of course and of course it makes sense for you to do such a thing

    Daisy xx
    Originally posted by daisy 1571
    Daisy, I wish I was like you, I do If I trusted my immune system, I'd be doing exactly the same, though I'm glad you peel your bananas, and one of my fave foods is jacket tatties (unpeeled - if I start doing them myself, maybe I'll need to do organic?). Far from throwing you out of the club, I'll appoint you honorary president, if you like
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • teapot2
    • By teapot2 22nd May 19, 10:45 PM
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    teapot2
    Glad you had a good day. Does the shop in Museum street sell all kinds of shells as well? I used to go to one that did down there, had been there for years.
    • Noella
    • By Noella 23rd May 19, 7:04 AM
    • 125 Posts
    • 1,069 Thanks
    Noella
    I love fossil shops. What a great 'find'. Did you buy anything there? I'd have reverted to my old spendthrift self and gone back into debt had I been with you. I've a gorgeous half geode, a Brazilian amethyst one, that I keep on a shelf of my bookcase. Not technically a fossil I suppose. The colours of the interior of it are magical. Not a day goes by when I don't handle it and feel joyful to have it. When I was really deeply in debt and selling everything that wasn't actually nailed down the geode was one of the very few things that I couldn't bear to part with. Would have brought in a tidy sum too but there are some things, even to a totally broke person, that are worth more than money.
    Last edited by Noella; 23-05-2019 at 7:11 AM.
    When it's raining, look for rainbows.
    When it's dark, look for stars.
    • Karmacat
    • By Karmacat 23rd May 19, 8:02 AM
    • 31,896 Posts
    • 188,247 Thanks
    Karmacat
    Hi folks! It was a remarkable shop - there was a chunk of fossilised tree maybe three feet tall, that was going for £900, but there were also lots of little bits - presentation "eggs", a few crystalline things, ammonites, for £20 - 40. No shells teapot, sorry! It might be the same shop, or it might be they've changed their stock policies.

    I can understand keeping hold of your half geode, Noella - yes, some things are worth more than money. I didn't buy anything, I doubt I'll ever buy anything non-functional again to be honest , and my sister has a few fossils already that were presented to her late husband, so the fossils were safe from us.

    The re-stocking that really interests me is my cutlery wending its way back to my kitchen drawer I'm very excited
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • Karmacat
    • By Karmacat 24th May 19, 8:30 AM
    • 31,896 Posts
    • 188,247 Thanks
    Karmacat
    Morning! I worked pretty hard yesterday, getting rubbish and recycling out of the house, cleaning the sink cupboard, started the cleaning on the understair cupboard by the back door, restocking the kitchen, voted (all local parties too ashamed of themselves to hover at the door taking registration numbers, which is what they all normally do). I've come far enough that my dishwasher load was almost normal, not dust/ plaster dust/ builder fingerprints

    Today, I'm technically supposed to go into the town centre to the charity shop, buy some food, run some errands, and to be honest I don't really want to I'll carry on with the kitchen restocking till hunger drives me out plus the garden became startlingly overgrown while I was in Kent, and is *again* in desperate need of attention Laterz.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • Karmacat
    • By Karmacat 24th May 19, 3:39 PM
    • 31,896 Posts
    • 188,247 Thanks
    Karmacat
    More done on restocking - organising what's there, too, thats important! Yet more dusty dishwashery activity, sadly and after a good long lunch break out into the garden to dig up the weed that was taking over at the bottom of the garden, plus ditto an alpine - it survives just fine in the shade, so it can't have very much of the sunny bit I've put a bit of the floor protector the builders left (I asked them to leave it) over it - I'm going to plant the thyme I bought last week there. If something's planted and mulched, the weeds are a lot less. This is the secret of the universe
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • earthgirl
    • By earthgirl 24th May 19, 6:10 PM
    • 2,700 Posts
    • 28,164 Thanks
    earthgirl
    It certainly is!

    Work out what's important, nurture it and give it pride of place in your life.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Progress not Perfection
    • Karmacat
    • By Karmacat 24th May 19, 7:52 PM
    • 31,896 Posts
    • 188,247 Thanks
    Karmacat
    Work out what's important, nurture it and give it pride of place in your life.
    Originally posted by earthgirl
    What an excellent summary thanks Earthie!
    I haven't done it yet, mind you but that space is definitely clearer. More glasses/ mugs/ teacups have come to re-enlist in my kitchen It's a work of art, deciding how to use the new cupboards and spaces
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • beanielou
    • By beanielou 24th May 19, 8:21 PM
    • 64,524 Posts
    • 288,024 Thanks
    beanielou
    What an excellent summary thanks Earthie!
    I haven't done it yet, mind you but that space is definitely clearer. More glasses/ mugs/ teacups have come to re-enlist in my kitchen It's a work of art, deciding how to use the new cupboards and spaces
    Originally posted by Karmacat
    & then you move it all around again
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • Downshifterella
    • By Downshifterella 25th May 19, 7:54 AM
    • 189 Posts
    • 1,187 Thanks
    Downshifterella
    Good luck and well done on all the outside and inside sorting!!
    Here's hoping for some sun over the bank holiday so you can enjoy tea breaks in the garden!
    MF planning for the simple life
    • Karmacat
    • By Karmacat 25th May 19, 8:09 AM
    • 31,896 Posts
    • 188,247 Thanks
    Karmacat
    & then you move it all around again
    Originally posted by beanielou
    Actually, thats true! I'm trying to minimise that, but I can tell it'll happen
    Good luck and well done on all the outside and inside sorting!!
    Here's hoping for some sun over the bank holiday so you can enjoy tea breaks in the garden!
    Originally posted by Downshifterella
    Thanks Ella! I really, really need to go into the town centre this morning, but setting up the garden for a tea break is a good focus - the bit that gets early morning sun and nowt else Ahem, to do that, I need to take a scrubbing brush to my aluminium patio chairs. More to follow!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • earthgirl
    • By earthgirl 25th May 19, 4:24 PM
    • 2,700 Posts
    • 28,164 Thanks
    earthgirl
    I've been here 5 years and keep going to the 'wrong' kitchen cupboards for things. OH likes it like this but I always think I'll move it around one day.

    No cup of tea in the garden here. Typically sunny week at work and rainy weekend!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Progress not Perfection
    • apple muncher
    • By apple muncher 25th May 19, 6:35 PM
    • 9,038 Posts
    • 69,533 Thanks
    apple muncher
    Are you still putside scrubbing those chairs down?


    How are the rasp rootlets? My original ones are shooting up nicely; the 'new' one are about 2 foot tall and starting to flower - they look like dwarf rasps!
    NST July jogger #5; NSD 10/18; Ex 19/31; remove bagfuls (31)

    Mortgage £15,451 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • Karmacat
    • By Karmacat 25th May 19, 8:56 PM
    • 31,896 Posts
    • 188,247 Thanks
    Karmacat
    I've been here 5 years and keep going to the 'wrong' kitchen cupboards for things. OH likes it like this but I always think I'll move it around one day.
    Originally posted by earthgirl
    I feel your pain! Early this evening, I ended up bunging everything inside *something*, since I hope the tiler will be coming next week, and the surfaces need to be clear. Plus I need a re-jig on the shelf under the sink: the fitter was trying to help me when he set the shelf very high, so I could fit bottles underneath, but unfortunately it's made the top shelf unuseable. I'll let them know, and emphasize it was done to help me.
    No cup of tea in the garden here. Typically sunny week at work and rainy weekend!
    What a shame! It all looked very ominous today, I must say, but no actual rain. No cup of tea in the garden, either!
    Are you still putside scrubbing those chairs down?
    Originally posted by apple muncher
    Never did it between the errands in the morning, and continuing/ almost finishing the kitchen, I didn't really have time.
    How are the rasp rootlets? My original ones are shooting up nicely; the 'new' one are about 2 foot tall and starting to flower - they look like dwarf rasps!
    One is really big, the other three are coming along nicely - it was so kind of you to send them, apple the ones in pots will need to stay in their pots for a while, but tomorrow I must move them to where they'll be. Happy days
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • Karmacat
    • By Karmacat 26th May 19, 7:56 AM
    • 31,896 Posts
    • 188,247 Thanks
    Karmacat
    Morning I'm drawing a line under the house-righting for today, I'm off to the big City by the Sea - admiring the sea is part of it, of course, but also I'm going to rejig my self-care: organic nail varnish and sun lotion. And possibly something jazzy for the kitchen from the Lakeland there though I doubt it, to be honest
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • Noella
    • By Noella 26th May 19, 8:07 AM
    • 125 Posts
    • 1,069 Thanks
    Noella
    Morning I'm drawing a line under the house-righting for today, I'm off to the big City by the Sea - admiring the sea is part of it, of course, but also I'm going to rejig my self-care: organic nail varnish and sun lotion. And possibly something jazzy for the kitchen from the Lakeland there though I doubt it, to be honest
    Originally posted by Karmacat
    Sounds like a lovely day out, KC. Enjoy

    I love Lakeland products and was a BIG spender there once upon a time (probably a major cause of my debt mountain). Always bought online though and have never even been inside a 'real' shop. Now I'm debt-free and have some disposable income again I'd like to seek one out. They still send me their catalogues and every time I browse I see lots that I'd really like. The emphasis is on 'like' though rather than 'need' and I'm trying my hardest to be a good MSEer and follow Martin's spending mantra. I suspect a visit to a Lakeland store would blow my mind and I'd come out with bulging carrier bags and a much lighter wallet.


    Your situation is different, though. Your overall financial astuteness and a lovely new kitchen are the best incentives of all for dropping in there and treating yourself. Have fun choosing
    Last edited by Noella; 26-05-2019 at 8:16 AM.
    When it's raining, look for rainbows.
    When it's dark, look for stars.
    • beanielou
    • By beanielou 26th May 19, 8:13 AM
    • 64,524 Posts
    • 288,024 Thanks
    beanielou
    Enjoy your day
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • maddiemay
    • By maddiemay 26th May 19, 8:20 AM
    • 3,924 Posts
    • 36,100 Thanks
    maddiemay
    Hi KC, I am back from my almost 4 week holiday pootling around Cumbria and part of Scotland. You have been doing so well sorting out your new kitchen, keeping on, keeping on with the garden and fitting in some fun and uplifting diversions

    Whilst away we visited "Pippi's Garden", it was fabulous and realised an ambition I had ever since buying Snowdrops and reading her diaries. Fun, but in a different way was managing a 20 minute flit around "The Lakeland Store" at Windermere, I was very restrained and only bought the very few items on my wish list (soft grip pegs, window cleaning cloths and a washing egg thingy) came in at just under £30, and had left OH in the car so didn't have him breathing down my neck.

    I hope that you have a good visit to the sea, rather dull here, more weeding and some herb pot planting here
    The best thing about the future is that it comes one day at a time. (Abraham Lincoln)
    • Karmacat
    • By Karmacat 26th May 19, 8:31 AM
    • 31,896 Posts
    • 188,247 Thanks
    Karmacat
    Thank you all! A kitchen gift didn't occur to me till I was in Rye last week, in a kitchen shop it was great. And Lakeland are very good at making things that you think at the time are completely necessary, aren't they but I don't often get sucked in by that, I have to say, you're right, Noella What I'm thinking of is those rings that you use to make English crumpets - I love crumpets, but my reaction to wheat is getting worse and worse, and gluten free products are often awful, and in any case often really expensive. So those rings might be a really good purchase, we'll see.

    maddiemay, you had 4 weeks away? I thought I hadn't seen you! What a great trip - I'm trying to decide what to do in September, while my sister and her daughter are in Canada. I thought the Scilly Isles initially, but now I've joined the NT, I need to make the most of the ticket. Isle of Wight, possibly, or around Yeovil, oddly enough (several houses close together). Is there any area you'd recommend? I have a hankering for so many areas, its hard to choose
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
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