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  • FIRST POST
    • Karmacat
    • By Karmacat 16th Jan 14, 7:37 PM
    • 29,449Posts
    • 169,029Thanks
    Karmacat
    Breaking Through, Travelling On
    • #1
    • 16th Jan 14, 7:37 PM
    Breaking Through, Travelling On 16th Jan 14 at 7:37 PM
    Hello

    I think a few people on this board know me already, from the dfw board

    I really need the focus of an mse diary - debts are all paid off, except for about 40% of a French mortgage - but income has been declining, and is currently pitiful. And without a diary, I've lost focus on getting the best deal for the things I *do* need to spend out on, like insurance, and Christmas train tickets, that sort of stuff. So I've come back properly after pootling about on other people's threads, and on general threads too, to be fair

    The focus is so that I can replace lost income - so that I can have a holiday of my choosing, for instance - and stopping digging into my savings for ordinary living expenses would be nice too Its also so that I can get my pension up beyond "miserable penury" - its kind of urgent, as under the system that lasted till about 15 years ago, I'd be retiring at the end of this year But I'm not, sadly. The aim is to retire in July 2016, when my younger sister retires, with a reasonable pension.

    One complication in earning more is that between arthritis, energy issues and the need to stay available to what clients I have, I can't / don't want to, take a second job. So more income has to be through other work - patchwork, portfolio, call it what you like (I know I do ).
    Retired August 2016
Page 306
    • Watty1
    • By Watty1 6th Sep 17, 9:24 AM
    • 2,992 Posts
    • 21,303 Thanks
    Watty1
    Shame you left the dress I clearly live in poor area ....only thing in our charity shops are chain store stuff well worn!
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • Karmacat
    • By Karmacat 6th Sep 17, 9:25 AM
    • 29,449 Posts
    • 169,029 Thanks
    Karmacat
    It's not that you live in a poor area - it's that I was visiting in an extremely rich area (how many Manolo Blahnik shope are there in the world!) Kings Road Chelsea!

    xxx
    Retired August 2016
    • Betterthanever
    • By Betterthanever 6th Sep 17, 9:46 AM
    • 526 Posts
    • 3,607 Thanks
    Betterthanever
    Shame you didn't try the dress on! But £30 saved by not doing so! Hope the rest of your day is restful x

    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!
    • Karmacat
    • By Karmacat 6th Sep 17, 2:24 PM
    • 29,449 Posts
    • 169,029 Thanks
    Karmacat
    Honestly, trying the dress on would have taken more energy than I had - I needed that energy to get back to where I'm staying! It's all good.

    It would be super fast to visit that shop again too, a ten minute bus ride from Clapham Junction or Victoria. It's all good

    First official response to my probate letters I worked on - agreeing to send dosh, yay. That's one out of four, though another may be waiting for me when I get home.

    ETA - the Betterthanever conundrum solved I think I may explode.


    Save
    Save
    Last edited by Karmacat; 06-09-2017 at 2:51 PM.
    Retired August 2016
    • Betterthanever
    • By Betterthanever 6th Sep 17, 5:23 PM
    • 526 Posts
    • 3,607 Thanks
    Betterthanever
    Please don't explode..... it'll be messy!!!!!

    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!
    • smallholdingsister
    • By smallholdingsister 6th Sep 17, 6:58 PM
    • 3,601 Posts
    • 30,207 Thanks
    smallholdingsister
    Hope you are feeling well. You sound very positive and energetic.
    • beanielou
    • By beanielou 6th Sep 17, 7:18 PM
    • 55,484 Posts
    • 222,693 Thanks
    beanielou
    Honestly, trying the dress on would have taken more energy than I had - I needed that energy to get back to where I'm staying! It's all good.

    It would be super fast to visit that shop again too, a ten minute bus ride from Clapham Junction or Victoria. It's all good

    First official response to my probate letters I worked on - agreeing to send dosh, yay. That's one out of four, though another may be waiting for me when I get home.

    ETA - the Betterthanever conundrum solved I think I may explode.


    Save
    Save
    Originally posted by Karmacat
    I had to ask for a clue
    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.
    • Suffolk lass
    • By Suffolk lass 7th Sep 17, 4:58 AM
    • 1,993 Posts
    • 21,160 Thanks
    Suffolk lass

    ETA - the Betterthanever conundrum solved I think I may explode.


    Save
    Save
    Originally posted by Karmacat
    Que?
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save £12k in 2018 #53 - after June 55.17% £5,517.10/£10,000
    OS Grocery Challenge 2018 spent £1,288.55/£3,000 including stores so far 42.95% of my annual budget at the end of June
    My DFD is here
    • Karmacat
    • By Karmacat 7th Sep 17, 8:56 AM
    • 29,449 Posts
    • 169,029 Thanks
    Karmacat
    SL, I've sent you a pm. From your timestamp, ouch, thats a **bad** night's sleep

    I've been up with the larks, but *only* the larks. Bedding is being washed, so the cats are now banned from the bedroom. They're not pleased and looking at me like I'm a proper cheeky madam

    Yougov survey done - as I've got my laptop, I may as well do stuff like that
    Save
    Retired August 2016
    • Betterthanever
    • By Betterthanever 7th Sep 17, 12:14 PM
    • 526 Posts
    • 3,607 Thanks
    Betterthanever
    I didn't set out to confuse.....honest!!

    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 7th Sep 17, 3:17 PM
    • 55,484 Posts
    • 222,693 Thanks
    beanielou
    I didn't set out to confuse.....honest!!
    Originally posted by Betterthanever
    We believe you
    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.
    • Suffolk lass
    • By Suffolk lass 8th Sep 17, 8:33 AM
    • 1,993 Posts
    • 21,160 Thanks
    Suffolk lass
    Thanks KC - I was leaving for the Station to get the first train in to London before working in Coventry for the day - got back at 08:15 last night so a bit knackered. Slower day today...
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save £12k in 2018 #53 - after June 55.17% £5,517.10/£10,000
    OS Grocery Challenge 2018 spent £1,288.55/£3,000 including stores so far 42.95% of my annual budget at the end of June
    My DFD is here
    • Karmacat
    • By Karmacat 8th Sep 17, 9:08 AM
    • 29,449 Posts
    • 169,029 Thanks
    Karmacat
    I didn't set out to confuse.....honest!!
    Originally posted by Betterthanever

    Repayment rates will shortly be going through the roof

    Thanks KC - I was leaving for the Station to get the first train in to London before working in Coventry for the day - got back at 08:15 last night so a bit knackered. Slower day today...
    Originally posted by Suffolk lass

    Ouch, ouch, and ouch again

    I woke a bit early myself, as I went to bed totally ker-knackered, and made a to-do list on my phone. Erm, its quite long though it's not all for today. Like, 25-30 items

    Washing machine is on! Thats a start
    Retired August 2016
    • Karmacat
    • By Karmacat 8th Sep 17, 2:54 PM
    • 29,449 Posts
    • 169,029 Thanks
    Karmacat
    Done a few bits:

    - washing machine on and finished, clothes are hanging up, but its **wet** out there.

    - cooked beans that were on to soak.

    - paid my TV licence, the first time in quite a few years - as I can't do much, I need the tv, to be honest, and it takes a lot of energy using DVDs and even youtube (the latter cos my interwebulator connection can be dodgy).

    - new TV channels were found no problem. DVD recorder found the channels, but not the programmes done it twice now, updated the software (none around) ... it means I can't record anything, as I can't get the programme details! Grrr! Will wiggle the connections to ensure they're tight next ....

    - opened the post, two probate cheques were there ... popped online to my bank account, and another one has gone straight in. So I can total them and distribute, thank heavens. Only the premium bonds still to come.
    Retired August 2016
    • greent
    • By greent 8th Sep 17, 6:14 PM
    • 7,152 Posts
    • 72,806 Thanks
    greent
    Good stuff that the probate things are now all coming through. I found Premium bonds paid direct - and then the letter informing me that they were going to do it arrived about 2 weeks later!
    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 8th Sep 17, 6:34 PM
    • 29,449 Posts
    • 169,029 Thanks
    Karmacat
    Good grief! I think I may have made a mistake by telling them to leave them in the draw, but if they don't come in a month or so, I'll enquire.

    My DVD recorder works it had reset its clock time to some time in 2006 and as soon as I realised and found the setup bit, it was fine It's taken a huge amount of time, but the recording facility is important

    Save
    Retired August 2016
    • Betterthanever
    • By Betterthanever 8th Sep 17, 6:37 PM
    • 526 Posts
    • 3,607 Thanks
    Betterthanever
    You're getting there, KC. It all takes time but you're definitely getting there x

    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 8th Sep 17, 6:57 PM
    • 55,484 Posts
    • 222,693 Thanks
    beanielou
    You're getting there, KC. It all takes time but you're definitely getting there x
    Originally posted by Betterthanever
    Agreed 100%.
    Enjoy your weekend.
    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 9th Sep 17, 2:57 PM
    • 29,449 Posts
    • 169,029 Thanks
    Karmacat
    Aw, thank you both! Yep, definitely getting there: this morning, I popped in to the town centre and banked all those cheques, and to be honest I've not done much else except get my diary for the next few weeks sorted.

    Getting myself together a bit now and started to tidy up, it's a hard life
    Retired August 2016
    • earthgirl
    • By earthgirl 9th Sep 17, 6:16 PM
    • 2,090 Posts
    • 23,178 Thanks
    earthgirl
    Lots of positive stuff there KC. And yey to recording! I hate technology!!
    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
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