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  • FIRST POST
    • Karmacat
    • By Karmacat 16th Jan 14, 7:37 PM
    • 29,436Posts
    • 168,918Thanks
    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 309
    • beanielou
    • By beanielou 16th Sep 17, 7:25 PM
    • 55,443 Posts
    • 222,423 Thanks
    beanielou
    Your poor sister
    A family member is due to fly with them on Monday.
    We will just have to see.
    Simply dire customer service.Dire.
    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 Sep 17, 8:11 PM
    • 2,228 Posts
    • 14,228 Thanks
    rtandon27
    Oh KC that is just horrible for your sis!

    Fingers crossed she is now en route home!
    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!
    • michelle09
    • By michelle09 17th Sep 17, 10:26 AM
    • 790 Posts
    • 4,416 Thanks
    michelle09
    Eek... did she make it home ok?
    • Karmacat
    • By Karmacat 17th Sep 17, 11:24 AM
    • 29,436 Posts
    • 168,918 Thanks
    Karmacat
    Aw, thank you peeps she *did* get home, and a few hours before dawn, as well, she texted me but is obviously on autopilot right now, so we haven't spoken yet

    to my sister, she has obligations for today, so it'll be a while before she can relax. At least she's back!

    I've been playing about on Amazon, buying an organic herb that has great detox abilities. It can be stirred in to things, so its easy to use as well - I don't want to create difficulties for myself, so this is brilliant.

    Today, I'm catching up with myself after doing *astonishingly* little yesterday. I'm going to go back to what I used to do when I worked, which is to get the house kind of tidy and kind of clean by Friday morning, and then not do anything routine during the weekend (other than loading the dishwasher ) so that even if I'm not going out so as to avoid crowding during flu season, I can still find something fun and unusual to do at home. I know it sounds mad, but my health is currently so dodgy, and *doing* really makes me feel like crap, which is why I suspect lymph drainage and detox is a good idea.

    Off to do some of that right now
    Retired August 2016
    • Suffolk lass
    • By Suffolk lass 17th Sep 17, 12:45 PM
    • 1,990 Posts
    • 21,135 Thanks
    Suffolk lass
    Re your garden, have you considered getting someone in to help blitz some of it ready for winter to take the pressure off you? We have my cousin helping us today with one particular problem (a tree split last Sunday) but he might consider doing a few days to get us back on track. We lost so much time with my Mum's illness needing frequent trips to Scotland that it feels as though we are losing some of it and so I'm really hoping he will help. Ideally I could use him all through winter for 4-5 hours each day he comes to a neighbouring Village and I thought of you.
    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
    • earthgirl
    • By earthgirl 17th Sep 17, 6:30 PM
    • 2,086 Posts
    • 23,160 Thanks
    earthgirl
    KC hope the remedies are helpful. I have been doing astonishingly very little too!
    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
    • Karmacat
    • By Karmacat 17th Sep 17, 7:39 PM
    • 29,436 Posts
    • 168,918 Thanks
    Karmacat
    Re your garden, have you considered getting someone in to help blitz some of it ready for winter to take the pressure off you? We have my cousin helping us today with one particular problem (a tree split last Sunday) but he might consider doing a few days to get us back on track. We lost so much time with my Mum's illness needing frequent trips to Scotland that it feels as though we are losing some of it and so I'm really hoping he will help. Ideally I could use him all through winter for 4-5 hours each day he comes to a neighbouring Village and I thought of you.
    Originally posted by Suffolk lass
    I had massive help from my brother in finishing off the cherry laurel, but none since then.

    Trying to imagine it ... at the moment, to be honest, the hassle and anxiety about someone working on the garden would disturb me more than carrying on the way I am - I find it really stressful to have workmen, which is why I stick with the same building firm, for instance (and they're coming in to do a lot soon - repointing, loft hatch, sound insulation, lots of basic stuff). My brother can't come down here again. I think it's beanie's famous "plodding on" for now.

    But thats really, really nice that you thought of me, thank you

    KC hope the remedies are helpful. I have been doing astonishingly very little too!
    Originally posted by earthgirl
    I think our definitions of "very little" might be a bit different but I *do* know what you mean.

    Loooong talk with my sister, a walk round the block and then half an hour bagging a big bucketful of garden rubbish. Thats one binbag done, thankfully, and a few brambles uprooted before they had time to dig in
    Retired August 2016
    • beanielou
    • By beanielou 17th Sep 17, 7:59 PM
    • 55,443 Posts
    • 222,423 Thanks
    beanielou
    Plodding on is always 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.
    • Betterthanever
    • By Betterthanever 17th Sep 17, 8:53 PM
    • 526 Posts
    • 3,607 Thanks
    Betterthanever
    Yup, nowt wrong with plodding!

    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 18th Sep 17, 9:54 AM
    • 29,436 Posts
    • 168,918 Thanks
    Karmacat
    Right, its got to be a bit of an admin day today.
    - backing up the laptop onto the hard disc
    - backing up some of the hard disc onto my *old* laptop
    - renew my cat website domain - 123reg insist on payment via paypal, which drives me crazy, I don't *want* to do it that way, so the best option is to try once again to change my account details, and then pay by credit card just in case. Am holding and sending live chat message simultaneously
    - writing probate email and cheques to my bro and sister; when they cash the cheques, it will only be my money in my accounts, thank heavens.
    - Sainsbo Energy haven't taken the money I owe them (I owe them because they set the debit insanely low) so I need to faff about with meter readings and *more* emails/phone calls to crazy call centres.

    22 minutes and counting for 123 reg, tho it *is* a bad time of day/week to call.

    More later.



    ETA I thought I'd cancelled paypal payments to 123reg. Their webpages say not. Done it now. More passwords updated and noted, with contact details of all sorts.

    EETA paid for the cat website. Through a credit card, yay.

    Save
    Last edited by Karmacat; 18-09-2017 at 10:36 AM.
    Retired August 2016
    • Betterthanever
    • By Betterthanever 18th Sep 17, 1:58 PM
    • 526 Posts
    • 3,607 Thanks
    Betterthanever
    Very productive!! Fancy coming to do mine?

    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 18th Sep 17, 4:24 PM
    • 29,436 Posts
    • 168,918 Thanks
    Karmacat
    Very productive!! Fancy coming to do mine?
    Originally posted by Betterthanever
    Not in the least
    Retired August 2016
    • Karmacat
    • By Karmacat 18th Sep 17, 4:29 PM
    • 29,436 Posts
    • 168,918 Thanks
    Karmacat
    Probate cheques, texts and emails have gone out, finally. I think my hotmail account needs a new password, it wouldn't send anything, but I sent stuff yesterday just fine. Ah well.

    Did half an hour in the garden too.

    I'm *so* not bothering with Sainsbo Energy today: if they really wanted the money, they'd take it from my account like they said they were going to do. Cuppa tea and a nice shower
    Retired August 2016
    • beanielou
    • By beanielou 18th Sep 17, 8:55 PM
    • 55,443 Posts
    • 222,423 Thanks
    beanielou
    You have beeb busy.
    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.
    • SuperSecretSquirrel
    • By SuperSecretSquirrel 19th Sep 17, 8:10 AM
    • 698 Posts
    • 3,102 Thanks
    SuperSecretSquirrel
    I think my hotmail account needs a new password, it wouldn't send anything, but I sent stuff yesterday just fine.
    Originally posted by Karmacat
    It was probably a "it's not you, it's them" issue -
    https://www.bbc.co.uk/news/amp/technology-41306441

    Mtg [2013 64k|2014 51k|2015 38k|2016 26k|2017 14k] Zero!
    MN [2013-25k|2014-2k|2015+16k|2016+34k|2017+52k] +56,615.31(MFiT4:+60k)
    NW [2013 126k|2014 156k|2015 190k|2016 228k|2017 269k] 278,659.39 (2020:300k)
    FI [2013 -1.2%|2014 2.8%|2015 6.9%|2016 13%|2017 18%] 30.9% (exc SP)
    • themadvix
    • By themadvix 19th Sep 17, 10:37 AM
    • 1,776 Posts
    • 10,268 Thanks
    themadvix
    I don't know, KC, one minute you're saying 'I need a gentle day, exhausted, etc' and the next you're ploughing through jobs like there's no tomorrow! Well done, but take care of yourself!

    Glad your sister got home okay in the end.... Ryanair's actions just defy belief!
    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 20th Sep 17, 9:54 AM
    • 29,436 Posts
    • 168,918 Thanks
    Karmacat
    Hello all! Madvix, aww, thanks for thinking of me - I'm really careful not to tire myself, honestly. Physical work is the thing that really undermines me, mental work like the probate stuff is just "normally" horrible I have chronic fatigue, but not the full-blown syndrome, with brain fog et al, so I'm luckier than many.

    Out with sister yesterday, she treated me to lunch at a vegan cafe cos of all the probate work I've done

    Ayurvedic herb to help with energy levels has arrived - just realised I can buy powdered kelp too, I have some thats years old that really needs to be thrown away, and that will help with micronutrients. I feel a Healthy Supplies order coming on.

    So today:
    - sort the Sainsbo Energy thing.
    - Healthy Supplies order
    - first aid for my doorchime: it was ticking, because the batteries inside (old rechargeables) were leaking will clean it up with an old toothbrush, and see if it will work again.
    - blog post I've drafted needs to get online.
    - gardening, a.k.a. navvying
    Retired August 2016
    • Karmacat
    • By Karmacat 20th Sep 17, 1:13 PM
    • 29,436 Posts
    • 168,918 Thanks
    Karmacat
    So today:
    - sort the Sainsbo Energy thing.
    Originally posted by Karmacat
    I may have forgotten to input my numbers on the correct day, so the new system couldn't get going. Done it now, to my new supplier, if they talk to each other as they're supposed to, it should all work out

    - Healthy Supplies order
    Ooh, it looks a lot when you do it all in one go! 60 on almonds, quinoa, brazils, walnuts, pumpkin seeds and flaked dulse (er, 40g of dulse, I'm guessing a little goes a *very* long way). At least I get free delivery for that sort of purchase.

    Raining very determinedly here. Nothing doing in the garden right now, grrr.
    Save
    Retired August 2016
    • ZTD
    • By ZTD 20th Sep 17, 7:34 PM
    • 23,730 Posts
    • 42,868 Thanks
    ZTD
    Ooh, it looks a lot when you do it all in one go! 60 on almonds, quinoa, brazils, walnuts, pumpkin seeds and flaked dulse (er, 40g of dulse, I'm guessing a little goes a *very* long way).
    Originally posted by Karmacat
    I looked that up.



    Get your backside down to the beach with a knife. It's seaweed and there's shedloads (new SI unit) of it down there!
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • michelle09
    • By michelle09 20th Sep 17, 7:48 PM
    • 790 Posts
    • 4,416 Thanks
    michelle09
    Oh no, did the toothbrush help the doorchime at all?
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