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
    • 29,202Posts
    • 166,790Thanks
    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 38
    • Karmacat
    • By Karmacat 18th Apr 18, 10:50 AM
    • 29,202 Posts
    • 166,790 Thanks
    Karmacat
    Hiya! We just posted on each other's threads

    Absolutely not overdoing it - I don't think I have the chronic fatigue any more, tbh, I get very tired, because I have no stamina having done so little for so long, but its different from the fatigue, the feeling is very different.

    I'm quite happy pootling at home, and then I hear what my sister's doing - she's out to lunch regularly with her ex-colleagues, she goes up to London to a theatre matinee, and a new one-off is heading off to eastern Europe with her daughter (at daughter's request). I love, love, love, travel, and I've done so little these last years. I get a bit green-eyed, but I'd reach my limit in a heartbeat if I tried to do what she's doing. Gives me something to aim for, though, and that's no bad thing.
    Retired August 2016
    • beanielou
    • By beanielou 18th Apr 18, 1:49 PM
    • 54,069 Posts
    • 214,291 Thanks
    beanielou
    Glad that you had a lovely 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.
    • beanielou
    • By beanielou 18th Apr 18, 1:51 PM
    • 54,069 Posts
    • 214,291 Thanks
    beanielou
    We are all different.
    I have more or less stopped comparing what I can do with what other poeople can do.
    For me that was not good.
    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 18th Apr 18, 6:12 PM
    • 2,179 Posts
    • 13,866 Thanks
    rtandon27
    We are all different.
    I have more or less stopped comparing what I can do with what other poeople can do.
    For me that was not good.
    Originally posted by beanielou
    Well said beanie - completely agree!

    I get tired from just my work day so have resigned myself to Saturday afternoon as being fun time!

    These days nothing is better than sitting on the sofa doing what others classify as nothing!
    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!
    • themadvix
    • By themadvix 19th Apr 18, 6:26 PM
    • 1,663 Posts
    • 9,685 Thanks
    themadvix
    The exhibition sounds fascinating - I'm quite tempted to go as my great-great grandfather died on board the Suevic in 1903 (of natural causes) on his way to Australia. It sounds like it might flesh out the details of his trip in terms of what life was like on board (I don't imagine he travelled first or third class, so Titanic comparisons are a bit out!).
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • beanielou
    • By beanielou 19th Apr 18, 8:09 PM
    • 54,069 Posts
    • 214,291 Thanks
    beanielou
    Hope you are enjoying the lovely weather.
    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 20th Apr 18, 8:59 AM
    • 29,202 Posts
    • 166,790 Thanks
    Karmacat
    Thanks beanie - yes, the weather has been brilliant, and we had a fair time on the beach - its one of those places where there's no marina, so the boats - leisure or fishing - are winched up and down from the sea, or pulled in and out by bulldozers, fascinating.
    We are all different.
    I have more or less stopped comparing what I can do with what other poeople can do.
    For me that was not good.
    Originally posted by beanielou
    I never usually do it, because my choices in life have been quite far outside the norm, but travel ... I miss it, there's no denying it.

    Well said beanie - completely agree!

    I get tired from just my work day so have resigned myself to Saturday afternoon as being fun time!

    These days nothing is better than sitting on the sofa doing what others classify as nothing!
    Originally posted by rtandon27
    With the commute that you have, RT, I don't see how you can do anything else even when I was in my 20s, I disliked a two hour each way commute intensely!

    The exhibition sounds fascinating - I'm quite tempted to go as my great-great grandfather died on board the Suevic in 1903 (of natural causes) on his way to Australia. It sounds like it might flesh out the details of his trip in terms of what life was like on board (I don't imagine he travelled first or third class, so Titanic comparisons are a bit out!).
    Originally posted by themadvix
    Your poor family, to have that happen! The exhibition did focus mostly on first class -design led, really - and then on third. Second class didn't get much of a look in! But it was really beautiful, especially if you like art deco.
    Retired August 2016
    • Karmacat
    • By Karmacat 20th Apr 18, 9:42 AM
    • 29,202 Posts
    • 166,790 Thanks
    Karmacat
    No to-do list today: it's really only one thing, making sure my kitchen is tidier and a lot cleaner there are so many half-finished projects in there its getting a bit ridiculous.
    Retired August 2016
    • rtandon27
    • By rtandon27 20th Apr 18, 6:35 PM
    • 2,179 Posts
    • 13,866 Thanks
    rtandon27
    Have you made it out of the kitchen KC?!?



    Nothing beats focusing on a room at a time!
    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!
    • Karmacat
    • By Karmacat 21st Apr 18, 3:16 PM
    • 29,202 Posts
    • 166,790 Thanks
    Karmacat


    I made it out of the kitchen, but the hob still looks like a toxic wasteland

    80% of the floors in the house are swept, though, so I count that as a win and things are definitely tidier - I've even dared to approach my under stairs cupboard, which has become **horrendously** jammed over the winter. Not clear yet, but it will be.

    The victory for today was to go to the shopping mall in the big local shopping town - bits and bobs of travel, like, erm, a suitcase and a little travel padlock. And sandals with velcro fasteners like these https://www.hotter.com/gb/en/maisie-sandal?fit=&colour=White but with fastenings at the toes too, and at TKMaxx prices, not Hotter prices ie less than half that, £25.

    I'm totally chuffed, and now in hiding from the heat
    Retired August 2016
    • beanielou
    • By beanielou 21st Apr 18, 8:10 PM
    • 54,069 Posts
    • 214,291 Thanks
    beanielou
    Tkmax can be fab
    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.
    • greent
    • By greent 22nd Apr 18, 9:55 AM
    • 7,010 Posts
    • 71,580 Thanks
    greent
    I'm impressed with anyone who can find fabulous bargains in TKMaxx - I walk in there and find it all bewildering - and walk back out!
    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 22nd Apr 18, 12:24 PM
    • 29,202 Posts
    • 166,790 Thanks
    Karmacat
    Greent, I was like that for years and years - but it was a *particular* TKMaxx store, I realised, after seeing this one. In the city where I used to live, the TKMaxx was awful, and smelt like a badly run charity shop this one, in the mall, is as airy and light and *clean* as you could wish. I admit, I don't shop for clothes there - well, I hardly shop for clothes at all! - but the divisions and labelling is very good, I *think*.

    I still went to Primark for knickers, though

    I'm in hiding from the heat once again, so just faffing about at various indoor things. There's a container plant outside that needs my help in this heat, however, so I'll have to be outside for a little while

    Hope everyone's having a lovely Sunday
    Retired August 2016
    • Karmacat
    • By Karmacat 23rd Apr 18, 9:58 AM
    • 29,202 Posts
    • 166,790 Thanks
    Karmacat
    Relaxing day yesterday, even though I didn't go out, and got a few SB things running in the background. I've already done a bit of cleaning today, as my sister is coming along this afternoon to do holibob planning. I can offload some stuff onto her too she takes my tech rubbish to her tip (I can't get to a tip, cos of not having a car), there's another set of photos to store at her house for later distribution now I've scanned them, and an album to see about saving it or dismantling it - stuff is *glued* in, and its generally really awkward. Not doing stuff like that on my own though!

    I need to do a NW calculation this week ...
    Retired August 2016
    • edinburgher
    • By edinburgher 23rd Apr 18, 10:45 AM
    • 11,124 Posts
    • 59,707 Thanks
    edinburgher
    Tech rubbish to the tip has to be one of the golden opportunities of our age! When I think of the horrifying amount of small electrics that went to landfill back in the day I shudder. Don't get me wrong, I'm sure large parts of them still end up turned into pellets or in a tip somewhere, but I do believe that local authorities are getting better at stripping out anything valuable (i.e. big bits of metal, wiring etc.) I keep a plastic bag on the go in the garage and take out anything appropriate once in a while. Our local also processes knackered batteries and lightbulbs

    I'll spare you some time and do your NW calculation for you..... bleep-bloop! drrrrrrrrrrrrrrrr! Boing! .......

    KC's NW is............. errrrrrrrrrrrrrrrrrrrrrrr!

    MAHOOSIVE
    • Karmacat
    • By Karmacat 23rd Apr 18, 11:34 AM
    • 29,202 Posts
    • 166,790 Thanks
    Karmacat
    Oi!

    Perhaps I should have said "spends analysis" - I'm not as ill as I was, so I go out a little bit more, so what difference does it make to join U3A, go on local train journeys like I did on Saturday (£3.70 return fare, by the way!), share petrol and parking costs with my sister? I don't know, I'm just spending it, and it makes me feel a little uneasy that I don't know.
    Retired August 2016
    • rtandon27
    • By rtandon27 24th Apr 18, 9:16 AM
    • 2,179 Posts
    • 13,866 Thanks
    rtandon27
    Always good to know where your pounds are going! 'Spends analysis' applauded!

    As a minimum, once a week I look at our spends - mostly planned & almost no unplanned...

    Seems staying out of debt is as much work as getting there was! Even with the bit of unexpected help we received!

    ...find it very interesting just how much everyday simple living costs! Very satisfying to know that good habits enable the enjoyable spends on days out!

    Hope your analysis ends up with you feeling the same way!
    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!
    • beanielou
    • By beanielou 24th Apr 18, 9:41 AM
    • 54,069 Posts
    • 214,291 Thanks
    beanielou
    Yes, it is so true that keeping out of debt is so hard.
    Everyday life is hard work & expensive.
    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.
    • carbootcrazy
    • By carbootcrazy 24th Apr 18, 11:13 AM
    • 4,723 Posts
    • 26,787 Thanks
    carbootcrazy
    Seems staying out of debt is as much work as getting there was!
    Originally posted by rtandon27
    Yes, it is so true that keeping out of debt is so hard.
    Everyday life is hard work & expensive.
    Originally posted by beanielou
    I'm not as far down the road as you both are but I'm hoping the invaluable lessons learned through the hard graft of working towards debt freedom will stand me in good stead for the future. I think staying out of debt in the future whilst enjoying a better quality of life than I'm managing at the moment will involve constant vigilance
    Make £10 A Day Challenge 2018: Jan-Apr: £757.05+. May: £1209.25


    Original Debt: £56804 (@02/13). Now: £9998
    . Under £10K at long last.
    • beanielou
    • By beanielou 24th Apr 18, 11:26 AM
    • 54,069 Posts
    • 214,291 Thanks
    beanielou
    I'm not as far down the road as you both are but I'm hoping the invaluable lessons learned through the hard graft of working towards debt freedom will stand me in good stead for the future. I think staying out of debt in the future whilst enjoying a better quality of life than I'm managing at the moment will involve constant vigilance
    Originally posted by carbootcrazy
    It is hard, theres no doubt about it.

    Wish you could pay off another 6 quid & then be in the 9's
    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.
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

1,756Posts Today

7,537Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line? https://t.co/kwjvtd75YU

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin