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    • Karmacat
    • By Karmacat 2nd Jan 18, 3:38 PM
    • 29,193Posts
    • 166,702Thanks
    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 1
    • rtandon27
    • By rtandon27 2nd Jan 18, 4:18 PM
    • 2,178 Posts
    • 13,859 Thanks
    rtandon27
    • #2
    • 2nd Jan 18, 4:18 PM
    • #2
    • 2nd Jan 18, 4:18 PM
    Happy New Diary!!!
    1.5 YEARS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    Still working hard to keep up the good habits!
    • Goldiegirl
    • By Goldiegirl 2nd Jan 18, 4:24 PM
    • 8,330 Posts
    • 48,852 Thanks
    Goldiegirl
    • #3
    • 2nd Jan 18, 4:24 PM
    • #3
    • 2nd Jan 18, 4:24 PM
    A shiny new diary!

    I read on the your previous diary about the 'bots' which may result in a thread being deleted. I will have to keep an eye on my diary, just to make sure I don't get infected.

    Sounds like you have loads of good things to look forward to, so 2018 should be a good year.

    After I retired, it took a good 12-18 months to feel that I'd got my admin and de-cluttering done to my satisfaction. Even when you have the luxury of time, it's still surprising how long it can take to feel everything is 'sorted'.

    Norway is very beautiful. If you decide to book the cruise, I will enjoy hearing all about it. There's lots of cruise forums, like Cruise Critic where you can get all sorts of cruise info, and I'll be pleased to help if I can!
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • Betterthanever
    • By Betterthanever 2nd Jan 18, 4:25 PM
    • 521 Posts
    • 3,559 Thanks
    Betterthanever
    • #4
    • 2nd Jan 18, 4:25 PM
    • #4
    • 2nd Jan 18, 4:25 PM
    Yay, I'm on page one!

    (now I've posted that, I can go back and read what you've actually written.....)


    Edited to add I've now read it - and it all looks mighty fine to me. Happy new chapter x
    Last edited by Betterthanever; 02-01-2018 at 4:29 PM.

    Current balance £112,593.71. Offset £2,677.73. £109,951.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £600
    Make £2018 in £2018 = £406.75/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • beanielou
    • By beanielou 2nd Jan 18, 4:47 PM
    • 54,024 Posts
    • 214,081 Thanks
    beanielou
    • #5
    • 2nd Jan 18, 4:47 PM
    • #5
    • 2nd Jan 18, 4:47 PM
    Happy shiny new diary
    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 2nd Jan 18, 5:03 PM
    • 29,193 Posts
    • 166,702 Thanks
    Karmacat
    • #6
    • 2nd Jan 18, 5:03 PM
    • #6
    • 2nd Jan 18, 5:03 PM
    Thank you all!

    Looks like Norway is definitely going ahead, my sister's coming over to me tomorrow so we can book it together. We've sorted the trips too. And our Norfolk rellies may be coming with us

    This evening - yep, dragging out my box of accounts papers and having a look.

    Have a lovely evening all
    Retired August 2016
    • beanielou
    • By beanielou 2nd Jan 18, 5:08 PM
    • 54,024 Posts
    • 214,081 Thanks
    beanielou
    • #7
    • 2nd Jan 18, 5:08 PM
    • #7
    • 2nd Jan 18, 5:08 PM
    Norway sounds amazing.
    I agree your mum would like you to have a lovely family get together & to raise a glass in her memory.
    This is the first year I did not by myself a wee pressie from my dad & he hasent been here for nearly 7 years.
    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.
    • themadvix
    • By themadvix 2nd Jan 18, 5:28 PM
    • 1,654 Posts
    • 9,659 Thanks
    themadvix
    • #8
    • 2nd Jan 18, 5:28 PM
    • #8
    • 2nd Jan 18, 5:28 PM
    Happy New Diary!!
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • themadvix
    • By themadvix 2nd Jan 18, 5:29 PM
    • 1,654 Posts
    • 9,659 Thanks
    themadvix
    • #9
    • 2nd Jan 18, 5:29 PM
    • #9
    • 2nd Jan 18, 5:29 PM
    Norway does sound amazing... and lovely that 'Norfolk' might be coming too!
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 2nd Jan 18, 5:55 PM
    • 1,983 Posts
    • 36,750 Thanks
    Secret Saving Squirrel
    I went to Norway as a teenager and I have never swum in anything as cold as a fjord! I can still feel the shock! It was a lovely place, I do hope your plans to visit work out.
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • Knit Witch
    • By Knit Witch 2nd Jan 18, 6:33 PM
    • 3,429 Posts
    • 31,295 Thanks
    Knit Witch
    Happy new diary and some great goals there Karmacat!
    V3ry - £389.60
    • Karmacat
    • By Karmacat 3rd Jan 18, 10:25 AM
    • 29,193 Posts
    • 166,702 Thanks
    Karmacat
    Thank you all! Fantastic support on here, and I'm grateful to every one of you

    Norway should be booked later on this morning - and I've been out at the front of the house this morning, sawing down two fence panels that had keeled over in Storm Eleanor I have some way to go to catch up on the maintenance of my property. Nor did I look at the accounts - I caught up on James Bond instead but must do better. Flying fence panels are not a thing I want in my life ...

    Meanwhile, my phone is pootling away happily watching SB.

    Laterz!
    Retired August 2016
    • pinkypig
    • By pinkypig 3rd Jan 18, 10:38 AM
    • 1,209 Posts
    • 9,922 Thanks
    pinkypig
    I loved your old diary but I'm a bit rubbish at posting (2018 goal is to get better!). Happy new diary. Subscribed xx
    • Karmacat
    • By Karmacat 3rd Jan 18, 10:53 AM
    • 29,193 Posts
    • 166,702 Thanks
    Karmacat
    Hello pinkypig, thank you! I'm off to check out where your base is on here
    Retired August 2016
    • greent
    • By greent 3rd Jan 18, 12:05 PM
    • 7,010 Posts
    • 71,571 Thanks
    greent
    Happy new diary, Kc! Norway sounds fab - I have friends who went there a couple of years ago and they loved it.
    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) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • Karmacat
    • By Karmacat 3rd Jan 18, 1:36 PM
    • 29,193 Posts
    • 166,702 Thanks
    Karmacat
    Hi greent, thank you! We get such good reports of Norway, I'm sure it will be brilliant.

    And it's booked! Took quite a few hours, there are so many options - type of cabin, which is minor compared to all the "what excursions shall we do". Three of the ports of call are at the very northern tip of Norway a teensy bit further north than Murmansk. The average high is today's temperature, in June. I have warm clothing, but not much waterproof clothing ... no new swimsuits needed, but definitely rainwear

    Now to eat something ...
    Retired August 2016
    • smallholdingsister
    • By smallholdingsister 3rd Jan 18, 2:34 PM
    • 3,591 Posts
    • 30,127 Thanks
    smallholdingsister
    Whoop! Happy New Shiny Lovely Fresh Start!
    • Goldiegirl
    • By Goldiegirl 3rd Jan 18, 4:04 PM
    • 8,330 Posts
    • 48,852 Thanks
    Goldiegirl
    You've booked, how exciting !!

    In June, you could have almost any sort of weather, so layers are the way to go. If you have any stops in the south of Norway it could be surprisingly warm.

    Is it this June? I hope so, as I cant wait to hear what you think of cruising.
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • boredofbeingathome3
    • By boredofbeingathome3 3rd Jan 18, 4:19 PM
    • 16 Posts
    • 79 Thanks
    boredofbeingathome3
    Happy New Diary Karma.

    Bob x
    I used to BOB but now I am BOB3. Oh woah is me...Wibble
    • michelle09
    • By michelle09 3rd Jan 18, 6:34 PM
    • 777 Posts
    • 4,277 Thanks
    michelle09
    Happy new year and new diary KC. And trip to Norway, it sounds lovely.

    We did Hadrian's Wall a couple of years ago, it was really good!
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