Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Karmacat
    • By Karmacat 2nd Jan 18, 3:38 PM
    • 29,448Posts
    • 169,014Thanks
    Karmacat
    Travelling On
    • #1
    • 2nd Jan 18, 3:38 PM
    Travelling On 2nd Jan 18 at 3:38 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!

    Retired August 2016
Page 58
    • rtandon27
    • By rtandon27 16th Jul 18, 8:35 AM
    • 2,231 Posts
    • 14,239 Thanks
    rtandon27
    Hooray for new dishwasher arriving - Fingers crossed new one fits easily & don't forget to say a little goodbye to the old one and thank him for his service!
    1 YEAR & 8 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    STILL - Juggling the pots to keep in the black! - NOT an easy task!
    • themadvix
    • By themadvix 16th Jul 18, 8:39 AM
    • 1,782 Posts
    • 10,291 Thanks
    themadvix
    The Le Creuset pan sounds like a great find!

    Enjoy D(ishwasher) day today - hope it goes smoothly
    OPs 2018 = £2090
    Moving savings = £1345.52
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jun 2018: £92,000
    MFW2018 no. 38
    • Karmacat
    • By Karmacat 16th Jul 18, 9:05 AM
    • 29,448 Posts
    • 169,014 Thanks
    Karmacat
    Ta muchly I'm up and ready (after all, this is about two men tramping in and out of my house with **stuff**) though if I don't want them to turn right round again, I'd better sweep the floor


    The part of me that loves weird DIY projects wants the upper drawer of the dishwasher, the one with the two-pronged windmill underneath. And I want the *other* two pronged mill too, the one at the bottom. I know its ridiculous


    What dfw/mfw ideas do we have for the internal dishwasher drawers?



    Final SB points gained, I've been juggling the latest offers and the need to time the latest rewards claim, and its been successful There's quite a revolt going on on SB at the mo, SB are trying to get rid of people who just play the system (uh, people like me), and they're succeeding. It's really not surprising - I just checked, and I ordered my first rewards card in January, and I've had a total of £145. Not huge by the standards of some, but its more than equivalent to my fancy new phone, for instance
    Retired August 2016
    • themadvix
    • By themadvix 16th Jul 18, 5:34 PM
    • 1,782 Posts
    • 10,291 Thanks
    themadvix
    Can't think of any uses for the drawer or the whirly bits, but totally get where you're coming from!

    Interesting about SB - I don't know whether I count as playing the system - I certainly do the bare minimum but take them up on all offers of freebies! £145 is a great result for minimum effort!
    OPs 2018 = £2090
    Moving savings = £1345.52
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jun 2018: £92,000
    MFW2018 no. 38
    • Karmacat
    • By Karmacat 16th Jul 18, 6:04 PM
    • 29,448 Posts
    • 169,014 Thanks
    Karmacat
    Hi madvix yep, I'm quite pleased with the dosh, though it does take up too much time - I'll carry on with the easy/quick bits, but I need Pinecone or something.

    I have a working dishwasher not quite tidied up, though not much more to do - its *so* hot, unpleasantly so. Almost completely clouded over. I'm definitely off to spend some time in the shade in the garden, blissful. It's halfway through the month, I need to reassess to move forward
    Retired August 2016
    • beanielou
    • By beanielou 16th Jul 18, 6:16 PM
    • 55,474 Posts
    • 222,674 Thanks
    beanielou
    Good news on the dishwasher
    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.
    • rtandon27
    • By rtandon27 16th Jul 18, 6:25 PM
    • 2,231 Posts
    • 14,239 Thanks
    rtandon27
    Yeah to a working dishwsher!

    Have you loaded it up with every last dish and run it yet?

    (Only asking cause you KNOW that's what I did as soon as ours was working again!)
    1 YEAR & 8 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    STILL - Juggling the pots to keep in the black! - NOT an easy task!
    • Karmacat
    • By Karmacat 16th Jul 18, 6:46 PM
    • 29,448 Posts
    • 169,014 Thanks
    Karmacat
    Yeah to a working dishwsher!

    Have you loaded it up with every last dish and run it yet?

    (Only asking cause you KNOW that's what I did as soon as ours was working again!)
    Originally posted by rtandon27
    You just **know** thats true
    Retired August 2016
    • greent
    • By greent 16th Jul 18, 9:11 PM
    • 7,152 Posts
    • 72,802 Thanks
    greent
    Did it fit in the old space?
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £2772.47/£4000
    Net sales 2018 £553.92/£1000 PAYDOX18 (#15) Done £18918.90
    • Karmacat
    • By Karmacat 17th Jul 18, 9:40 AM
    • 29,448 Posts
    • 169,014 Thanks
    Karmacat
    Did it fit in the old space?
    x
    Originally posted by greent
    I forgot to say! Yes, it did Thank you for remembering
    Retired August 2016
    • Karmacat
    • By Karmacat 17th Jul 18, 9:47 AM
    • 29,448 Posts
    • 169,014 Thanks
    Karmacat
    Morning lovely peeps I need a quiet day, as I'm off to London tomorrow on a day's coach trip, which is a first for me So I also need to *do* enough to be able to sleep properly. Balance is all

    Utter bliss to wake up to clean cutlery and dishes


    Today: bit of gardening (waste collection on Friday), put some washing on, the last of the tidying, scanning, prepare my gluten-free lunch for tomorrow. Life is good
    Retired August 2016
    • maddiemay
    • By maddiemay 17th Jul 18, 12:59 PM
    • 3,546 Posts
    • 32,449 Thanks
    maddiemay
    I have been meaning to pop my head around the door for ages to say:-

    Pleased that you had a great holiday and to thank you for sharing your lovely photos.

    Great that your trip to Liverpool went well and that you got to see the Terracotta warriors and associated items.

    Also fantastic news that the dishwasher fits where it needed to be, the one in the previous house and here have both been slimline ones, the kitchens being too small for anything else, it means that we run it every other day, which suits us as although we have loads of mugs, we tend to be getting a bit tight on plates and dishes if we had to leave it longer and I don't wish to own more

    Cooler here yesterday and today (22 degrees), which is very welcome, all cracked earth in the flower beds and a shed load of plants waiting to be planted

    Enjoy your coach trip tomorrow.
    MM
    The best thing about the future is that it comes one day at a time. (Abraham Lincoln)
    • Karmacat
    • By Karmacat 17th Jul 18, 2:01 PM
    • 29,448 Posts
    • 169,014 Thanks
    Karmacat
    I have been meaning to pop my head around the door for ages
    Originally posted by maddiemay
    Hiya!


    Pleased that you had a great holiday and to thank you for sharing your lovely photos.
    You're very welcome it's been useful to have a proper selection up there


    Great that your trip to Liverpool went well and that you got to see the Terracotta warriors and associated items.
    I was *so* pleased with it all!


    Also fantastic news that the dishwasher fits where it needed to be, the one in the previous house and here have both been slimline ones, the kitchens being too small for anything else, it means that we run it every other day, which suits us as although we have loads of mugs, we tend to be getting a bit tight on plates and dishes if we had to leave it longer and I don't wish to own more
    maddie, you run a slimline every other day and there's two of you? Kudos to you both, my lovely friend - I run it every other day too, and there's only one of me I practise one ring cookery, one mug for all day use (though I use two, one is for my single coffee!). I'm envious


    Cooler here yesterday and today (22 degrees), which is very welcome, all cracked earth in the flower beds and a shed load of plants waiting to be planted
    Much cooler here too - its getting more and more cloudy, it really looks like the heavens are about to burst, but I've been saying that (and meaning it!) for about a week now. It keeps on not-happening though


    I'm going to do some garden work in a bit, but until my digestif time passes, I'm scanning photos.


    Enjoy your coach trip tomorrow.
    MM[/QUOTE]
    Retired August 2016
    • greent
    • By greent 17th Jul 18, 2:32 PM
    • 7,152 Posts
    • 72,802 Thanks
    greent
    Whoop! Glad the dw fitted! xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £2772.47/£4000
    Net sales 2018 £553.92/£1000 PAYDOX18 (#15) Done £18918.90
    • earthgirl
    • By earthgirl 17th Jul 18, 4:54 PM
    • 2,090 Posts
    • 23,175 Thanks
    earthgirl
    Have a great trip to London
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again
    Kids savings 13,578/36k
    2k Monthly buffer 1.2 /2k 5k Travel budget 0/5k
    • beanielou
    • By beanielou 17th Jul 18, 8:42 PM
    • 55,474 Posts
    • 222,674 Thanks
    beanielou
    Enjoy your trip tomorrow
    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.
    • Karmacat
    • By Karmacat 17th Jul 18, 8:42 PM
    • 29,448 Posts
    • 169,014 Thanks
    Karmacat
    Thanks all, I will: I've done everything that I really needed to do today, though not everything I *wanted* to, of course but thats good enough. Chilling now
    Retired August 2016
    • Karmacat
    • By Karmacat 19th Jul 18, 10:34 AM
    • 29,448 Posts
    • 169,014 Thanks
    Karmacat
    Morning! So, the trip went well, I recognised a couple of faces, spoke with more people I hadn't met, took photos of the beehives at the Physic Garden for my brother, who's actively learning about bees via his local library. It needs a separate trip to study things actively. Then we pootled off to Fulham Palace, which is starting a final renovation phase that will see it become a much more interesting place to visit (lots of grounds, but not much there). It was a loooong day, nearly 10 hours, though fortunately a lot of it was sitting down in an air conditioned coach

    Bought a little sage plant, for £1, and I thought it was a turkestanica, but the online photos are nothing like. I'll pot it on before planting it out, so we'll see.

    I need a bit of a quiet day today, with all of that going on yesterday, so quiet round-the-house stuff is where I'm at Hope people have been having good days all round
    Retired August 2016
    • Karmacat
    • By Karmacat 19th Jul 18, 2:53 PM
    • 29,448 Posts
    • 169,014 Thanks
    Karmacat
    RANT ALERT
    Trying to update my current net worth ... phoned the Post Office (!) to get account details, and ended up speaking to a bloke with a **really** strong accent (UK). He threatened to disconnect me if I couldn't understand him - I kept asking him to speak slower, and he did for one sentence then speeded up again. Effing Post Office. Once I get the details, I'm s*dding off.
    /END RANT
    Retired August 2016
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,580Posts Today

8,057Users online

Martin's Twitter