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  • FIRST POST
    • Goldiegirl
    • By Goldiegirl 7th Apr 14, 3:24 PM
    • 8,330Posts
    • 48,864Thanks
    Goldiegirl
    The Big Adventure
    • #1
    • 7th Apr 14, 3:24 PM
    The Big Adventure 7th Apr 14 at 3:24 PM
    For the last week or so, Iíve been hanging around the MFW board, looking at peoples diaries, and adding a couple of comments here and there.
    One thing has struck me, that everyone is focussed on their goals, but is keen to be enjoying life while they are on their journey.
    Iím at a different stage of my life, as I paid my mortgage off a few years ago. But the things that all the MFW-ers are doing are the same sort of things that Iím doing in my preparations for my early retirement.
    I had wanted to start a diary at the start of this year, but felt a bit shy, as my mortgage had been paid off.
    What I did do was join the 2014 Frugal Living Challenge, which has been very helpful, and I thank everyone on that thread, which I will continue participating in.
    However, after reading the MFW diaries, I saw that there are people in the same life situation as me with diaries, so I realised that to a certain extent, MFW is a state of mind, as well as actually clearing a mortgage.
    With that thought in mind, I decided that itís the right time for me to start my diary. I want to keep all my thoughts in one place, as itíll be easier for me to refer back to later. Also, itíll be good for organising myself Ė I like a few lists, and at the moment my lists are ad hoc pieces of paper all over the house!
    If all goes to plan, this time next year will see me in my final days at work. I feel excited about the future, and feel Iím at the brink of a new stage in my life Ė hence the title of my diary, The Big Adventure!
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
Page 113
    • atypicalblonde
    • By atypicalblonde 30th Dec 17, 8:18 AM
    • 2,869 Posts
    • 20,138 Thanks
    atypicalblonde
    Hi GG, we are going on our first cruise in the summer holidays and I am really looking forward to it. Prior to this, our holidays with the kiddies have all been self-catered (which is basically not a holiday for me!) so I am looking forward to having no work to do on holiday and for there being a kids club!

    We sail from Southampton, so am hoping there is a kettle in the room. I have a feeling we may be cruise converts after this trip! x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 1.5.2018 - £99,980.45
    Aiming to be MF 1.10.2020
    • Karmacat
    • By Karmacat 30th Dec 17, 1:42 PM
    • 29,312 Posts
    • 167,811 Thanks
    Karmacat
    Thanks Goldie, those posts are really valuable.
    We are not big drinkers, and at £23pppn we'd never get our money's worth! P&O don't do drinks packages at present, so we've always just paid for drinks when we buy them - the prices are comparable to UK pub prices, maybe a bit less.
    Originally posted by Goldiegirl
    Neither of us are big drinkers either, though I'm very partial to a cuppa tea

    In September on CMV, there was a drinks package at £17pppn, but we still felt that was too much for the amount we drink. However, in March we are with Fred Ilsen, and when we booked, the drinks package was a £10pppn, so we have booked it. We may have an extra glass or two, and we were comfortable that the price was ok for us.
    That sounds more realistic, though I still wouldn't do it every day.

    The excursions are another thing which are entirely optional. Sometimes the ship docks in the centre of town, so only have to walk off the ship to be in the middle of everything. If the ship docks out of town, then there's often a shuttle bus into the town centre. It's often possible to take local buses or trains if you want to go further afield. Other times, due to distances and available time, a ships excursion works better. We normally do some ports ourselves and others as a coach trip from the ship. Ship excursions are expensive, so we are quite choosy about what we do. One advantage is that the ship waits if a cruise line excursion is late back - they might not wait for individuals who've been delayed!
    Some very good points there! My sister is brilliant at plotting holidays from online information, and our Norfolk rellies have been doing cruises for years (but I don't feel like asking them typical mse questions ) I think I'd better cut and paste all your notes into an email to my sister

    We are currently looking at excursions for our cruise to Norway in March. They are terribly expensive, but Norway is an expensive country. I haven't yet totaled up the 'possibles' that we have selected, but we will almost certainly cut a few. Otherwise, I'm sure it would be over £1000, and that is a ludicrous amount of money!
    My sister just found an "Ilsen" one to Norway, 10 days at £1035 - we're looking for around £100 a night for the basic price, so that sounds good. Vision Cruises? I'll be checking they're legit, of course.

    BTW, was your first cruise on Uganda by any chance? <any people speak very fondly of Uganda.
    Originally posted by Goldiegirl
    Yes

    Corunna, Lisbon, Tetouan, Gibraltar. Educational in the very best sense, though nobody told me about fascism and Franco (he was still in power, it was 1968) and I do think I was old enough to be told.

    I forgot to mention, tap water is perfectly fine. P&O provide a couple of free small bottles of mineral water in each cabin, Once we have drunk them, we fill them up with tap water and take them ashore for when we are walking round the town.

    If you sail from a UK port, nearly all ships have a kettle in the cabin, as British passengers insist on it. Its just like a hotel, with tea bags and coffee sachets, and small milk cartons. You can also go to the buffet to make yourself a tea or coffee at any time of the day or night. If you want sometime like a latte from the bar, that would be chargeable.
    This is all extremely good news! I really want a kettle in my cabin - I'm very British in that way
    Retired August 2016
    • CathT
    • By CathT 30th Dec 17, 4:30 PM
    • 5,583 Posts
    • 38,872 Thanks
    CathT
    All this talk of cruises is making me consider one. The children want to travel and aren't too impressed we are off to Rome without them. I'd love to take them on a cruise though so we can visit many places.

    Lovely to see you back GG, hopefully regular walks will help tidy up your thoughts too and reduce your anxiety.
    June 2018 -
    part 1 - £77,571
    part 2 - £45,272
    Total - £122,843
    • Goldiegirl
    • By Goldiegirl 30th Dec 17, 4:47 PM
    • 8,330 Posts
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    Goldiegirl
    Hi, ATB, glad to hear you are trying a cruise. From what I've seen, the children love the kids clubs. They have so many activities to do and they are well looked after.

    KC, I've heard of Vision Cruise, they are well known cruise specialists. I think they have their own TV channel. I haven't heard of 'Ilsen' though. You don't mean 'Olsen' by any chance? If so, I'm with Fred Olsen in March. £100pn is a good price. Sometimes there's late availability bargains, and you can get as low as £50pn, but you often end up with the cabins no one else wants, so it can be best to book in advance and get your choice of cabin.

    I've been researching excursions today. I'd already worked out that 2 ports were fine on a DIY basis, so I noted down the tours we liked the look of for the other ports and it came to £1049! We were thinking of doing the dog sledding, but we've dropped that as it was £185 per person. We'd probably have to get winter sports added to our travel insurance. So it'd be well over £400 for about 30 minutes on the sledge. Will probably sub it for a trip to the ice hotel, and I've worked out 2 more ports will be ok for DIY. Will think about it for a couple more days. Norway is such an expensive country.

    I weighed myself this morning. Only a quarter of a pound put on over Christmas, so that wasn't too bad. I'll now weigh myself on the last Saturday of every month. Hopefully I'll be able to report a loss at the end of January.

    Just seen Cath's post - I think cruise ships are great for families and it's so exciting to see several different places in a short time, and only unpack the once!
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 30th Dec 17, 6:50 PM
    • 1,982 Posts
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    Secret Saving Squirrel
    Hello,,

    Like you I would like to lose some weight in the new year. We are going to be away on a trip to India for a few weeks so I am planning to stick to veggie food, walk every day, and come back half a stone lighter. I will let you know if it works!
    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
    • michelle09
    • By michelle09 30th Dec 17, 10:18 PM
    • 785 Posts
    • 4,324 Thanks
    michelle09
    I think the MFW board will also into a weight loss board next month! And I am going to join in.

    Not a cruise fan here, but my grandmother is talking about going on another one and I can't turn an 89 year old down.
    • Karmacat
    • By Karmacat 31st Dec 17, 9:18 AM
    • 29,312 Posts
    • 167,811 Thanks
    Karmacat
    KC, I've heard of Vision Cruise, they are well known cruise specialists. I think they have their own TV channel. I haven't heard of 'Ilsen' though. You don't mean 'Olsen' by any chance? If so, I'm with Fred Olsen in March. £100pn is a good price. Sometimes there's late availability bargains, and you can get as low as £50pn, but you often end up with the cabins no one else wants, so it can be best to book in advance and get your choice of cabin.
    Good to know - yep, I think she was looking at a tv channel when she heard about Vision Cruise. Their website made me want to kill myself/someone else "Ilsen" - I thought you wrote that somewhere on the last page? I thought it was code for "Olsen"

    I think the MFW board will also into a weight loss board next month! And I am going to join in.

    Not a cruise fan here, but my grandmother is talking about going on another one and I can't turn an 89 year old down.
    Originally posted by michelle09
    I need to watch my weight, but thats a simple matter of not eating too late at night, and restricting portion size - maybe half a stone? Toning my muscles would do more

    Michelle - I think your grandmother is in the target age group, as am I I'd never have considered a cruise before this year. At your age, but being unmarried, I was solo travelling to the Greek Islands and bargaining for a room when I hopped off the ferry. Or sleeping on trains. Or, when I started to take a credit card, waltzing into a hotel that I liked the look of Time does things to us! Though if someone your age had little kids, cruises seem to be a really good idea to get the best of both worlds - a portable sea and sand holiday, so to speak
    Retired August 2016
    • michelle09
    • By michelle09 31st Dec 17, 9:42 AM
    • 785 Posts
    • 4,324 Thanks
    michelle09
    I definitely need more than half a stone but walking on crutches isn't helping unfortunately. Ah well, maybe it's finally time to work on the upper body strength.

    I think you and my grandmother aren't exactly the same age group, KC! But it's her 90th next year so I might suggest we do a family trip somewhere. Not a big one - she's not keen to travel too far anymore - but just to give her a big one. Your Greek backpacking sounds amazing, definitely something I'd love to do if there was more time.

    Goldie - Norway and the dog sledding sound amazing. The northern lights are beautiful, one day I will attempt to see them again. Is March a good time for dog sledding? (We had issues in December in Iceland. Something about 'no guarantee of snow.)
    • Goldiegirl
    • By Goldiegirl 31st Dec 17, 4:33 PM
    • 8,330 Posts
    • 48,864 Thanks
    Goldiegirl
    Hello,,

    Like you I would like to lose some weight in the new year. We are going to be away on a trip to India for a few weeks so I am planning to stick to veggie food, walk every day, and come back half a stone lighter. I will let you know if it works!
    Originally posted by Secret Saving Squirrel
    Sounds like an exciting trip. Was it easy to get the Visa to go to India, as I've heard that Indian bureaucracy can be quite difficult to get through. Would love to go there one day, but not sure it will happen, as there's too many other places to go! Will be interested to hear all about your trip, and it seems a good idea to eat veggie while you are there.

    Good to know - yep, I think she was looking at a tv channel when she heard about Vision Cruise. Their website made me want to kill myself/someone else "Ilsen" - I thought you wrote that somewhere on the last page? I thought it was code for "Olsen"


    I need to watch my weight, but thats a simple matter of not eating too late at night, and restricting portion size - maybe half a stone? Toning my muscles would do more

    Michelle - I think your grandmother is in the target age group, as am I I'd never have considered a cruise before this year. At your age, but being unmarried, I was solo travelling to the Greek Islands and bargaining for a room when I hopped off the ferry. Or sleeping on trains. Or, when I started to take a credit card, waltzing into a hotel that I liked the look of Time does things to us! Though if someone your age had little kids, cruises seem to be a really good idea to get the best of both worlds - a portable sea and sand holiday, so to speak
    Originally posted by Karmacat
    LOL. if I wrote 'Ilsen', it was a typo!

    I've never been on Vision Cruises website, but I get increasingly annoyed with websites which are too complicated and you cant find the info the you want with ease.

    I'd be over the moon with half a stone weight loss. A stone would be brilliant. I'm currently 3 stone more than I was on my wedding day 36 years ago. I'll never get back to that weight, but any decrease would do. It seems harder to lose weight these days. Another one of those age things I suppose.

    I think cruises are for everybody, although the older generation often have the time (and the money) to do them more often. I'm 58 in March, and sometimes I still feel like one of the youngest passengers! But I don't go on the more family orientated ships, where the crowd is much younger.


    I definitely need more than half a stone but walking on crutches isn't helping unfortunately. Ah well, maybe it's finally time to work on the upper body strength.

    I think you and my grandmother aren't exactly the same age group, KC! But it's her 90th next year so I might suggest we do a family trip somewhere. Not a big one - she's not keen to travel too far anymore - but just to give her a big one. Your Greek backpacking sounds amazing, definitely something I'd love to do if there was more time.

    Goldie - Norway and the dog sledding sound amazing. The northern lights are beautiful, one day I will attempt to see them again. Is March a good time for dog sledding? (We had issues in December in Iceland. Something about 'no guarantee of snow.)
    Originally posted by michelle09
    I like seeing the older people on board - it gives me hope that I'll still be cruising in 30 years time!

    How lucky that you saw the Northern Lights, as I know nothing is guaranteed. Hoping we'll be lucky.

    I think March should be ok for dog sledding in northern Norway, There's a big dog sledding race on at the time we are there, so I think there'll be enough snow. Not sure we'll be doing the dog sledding ourselves, it's very expensive. We're still thinking about what trips we'll book
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • Goldiegirl
    • By Goldiegirl 31st Dec 17, 4:48 PM
    • 8,330 Posts
    • 48,864 Thanks
    Goldiegirl
    Today has been a very dull and wet end to the year, and there was no chance of getting out for a walk.

    I've got my diary ready for 2018. In 2017 I had a A6 size diary, but I was writing so much in it, that I've upgraded to A5 size for 2018. Then I did the meal plan for January, so that's all in the diary too. Feeling very organised now.

    One of the things I've missed is getting ideas from other diaries. Watty mentioned that she'd applied for a credit card that doesn't have a fee for foreign transactions.

    That got me thinking. These days, I nearly always use cards for spending in the UK, but still get currency for overseas. A credit card like Halifax Clarity would be ideal for incidentals when on holiday. It'd be better in Mr Goldie's name with me as an additional user, as his income is more than mine. But he gets huffy when I suggest any more financial shenanigans, so I might apply in my name. Halifax is my main bank, so they know me. My credit record is fine, but my income is low. But a small credit limit would be OK, as it'd only be incidental spending. Something to think about.
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 31st Dec 17, 5:58 PM
    • 7,643 Posts
    • 86,940 Thanks
    Tilly MFW in 6 YRS
    Hi GoldieGirl, we have a S@ntander card for when we travel. It killed me to take it out given our mortgage was with them when I started my diary and THEY DRIVE ME MAD but works well for travelling

    Happy new year to you, Tilly xxx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Goldiegirl
    • By Goldiegirl 1st Jan 18, 4:01 PM
    • 8,330 Posts
    • 48,864 Thanks
    Goldiegirl
    Happy New Year to you Tilly, and also to everyone on the MFW board.

    I had hoped to kick start my walking year with a decent walk, but its been very wet again, so haven't been able to get out at all, which is disappointing. In order to do a 1000 miles in 2018, I need to average 83.33 miles a month, so I'll be doing a total at the end of each month.

    As usual on the 1st of the month I've done my account funding transfers. The interest rate on current accounts is lower now, but I still get just under £700 interest a year on current accounts, so it's still worth the effort. Currently we both have monthly savers with Halifax, Kent Reliance, Virgin Money, Santander and TSB, so I've paid the monthly amount into all of those accounts. The rates on fixed term savings bonds is generally rubbish these days, so, I keep money in a Tesco savings account at an interest rate of 1.26%, and then gradually transfer it to the monthly savers.

    I booked the excursions on our cruise. Four excursions, at a total of £700, and that's after we cut a few. However, these are trips we really want to do, and we are unlikely to do this trip in the winter again, so we decided to go for it.

    I went on the Halifax eligibility checker for the Halifax Clarity card, and have a 95% chance of getting one. However, I already have a credit card, with a limit that is almost as much as my current yearly income. This could be looked on as a negative when they underwrite an application in full (even though I only spend a couple of 100 a month and pay it off in full each month). So, at the moment, I'm not sure I will apply, as I'd hate to be declined!
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • Watty1
    • By Watty1 2nd Jan 18, 2:51 AM
    • 2,992 Posts
    • 21,295 Thanks
    Watty1
    I had a 95% chance Goldie and I got on (went for the clarity too) and they gave me double the credit I asked for!
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • Goldiegirl
    • By Goldiegirl 2nd Jan 18, 4:08 PM
    • 8,330 Posts
    • 48,864 Thanks
    Goldiegirl
    That's encouraging, Watty. I may apply in due course.

    Today we did an Aldi shop. Apart from picking up the turkey and veg just before Christmas, the last grocery shop we did was on 19th December. I spent £50.44, but that was only because I bought a large tray of chicken breasts which will last several weeks.

    We took the Christmas decorations down, so everything is back to normal.

    No walk again today, as the afternoon has been very wet. I'm not exactly hitting the ground running with my ambitions for walking this year.

    As we've got major plans for decorating this year, we've decided to get a few sundries to start us off. We got three items from Amazon, then started looking on various DIY sites for a couple of electric sockets and some wiring. I often find shopping on the internet rather mentally fatiguing. There's so many sites and so much choice, it can be difficult to narrow down what you want, and at a site you want to buy from, and it takes ages. By the time we had worked it all out, I had got bored, so we'll come back to it tomorrow.

    I had hoped to take photos of a fitness thingy I'd going to sell on eBay for my friend, and type up a description of it, but I'm going to shelve that for another day too.

    We have 'Provencal Cod' for tea (just cod, sprinkled with dried dill, baked in the oven on a bed of peppers, courgettes, tomatoes and red onion). It's very simple, but it's a favourite of mine
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • Karmacat
    • By Karmacat 2nd Jan 18, 5:06 PM
    • 29,312 Posts
    • 167,811 Thanks
    Karmacat
    Sounds nice - I hear a lot about dill these days. And I know what you mean about getting bored by buying stuff - I got so bored trying to compare prices of fuel for a camping stove, I gave up ... as you say, I'll try again tomorrow.

    Have a lovely evening.
    Retired August 2016
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 2nd Jan 18, 6:01 PM
    • 1,982 Posts
    • 36,752 Thanks
    Secret Saving Squirrel
    Hello Goldie, yes, the application for the Indian visa was a NIGHTMARE. You hear correctly. We tried to do it ourselves but gave in and asked a very IT savvy friend who has also travelled to India quite frequently. Without his help we would have had to use one of the websites which do the application for you for an extra fee. To begin with, I was so frustrated with trying to do it that I would have cancelled the trip if it was not non refundable!
    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
    • michelle09
    • By michelle09 3rd Jan 18, 7:58 PM
    • 785 Posts
    • 4,324 Thanks
    michelle09
    The problem with the northern lights is that you try and tell yourself that you won't be in the least bit disappointed if you don't see them, because you can't guarantee it. But it's all lies. We were so lucky that our first night in Reykjavik (after a delightful soak in the Blue Lagoon) that we were able to watch them from our hotel room window. Shame we can't afford to go back!

    We have two overseas credit cards a Halifax (OH) and a Postoffice (mine). They are much better than taking cash and the exchange rate you get is better than changing cash here in the UK. For most countries I've discovered that you get better deals in that country than changing here. (My mother didn't believe me until I walked into an exchange with her in Izmir. She spent the rest of the day complaining how much more I got than she did from home. ) So highly recommend them!
    • Goldiegirl
    • By Goldiegirl 4th Jan 18, 3:53 PM
    • 8,330 Posts
    • 48,864 Thanks
    Goldiegirl
    Hello Goldie, yes, the application for the Indian visa was a NIGHTMARE.
    Originally posted by Secret Saving Squirrel
    When I was working, we had to send payments all over the world, and it was a nightmare sending money to India. They wanted to know so much information, and we only had a small space to enter all the info!

    Now you have your Visa, I'm sure the trip will be fantastic, so it'll all be worthwhile

    The problem with the northern lights is that you try and tell yourself that you won't be in the least bit disappointed if you don't see them, because you can't guarantee it. But it's all lies. We were so lucky that our first night in Reykjavik (after a delightful soak in the Blue Lagoon) that we were able to watch them from our hotel room window. Shame we can't afford to go back!
    Originally posted by michelle09
    It must have been thrilling to see the Northern Lights. I think we have a reasonable chance. They say that activity is more intense near the time of the equinoxes and we'll be there at the time of the spring equinox. Also, we are there at the time of the new moon, so the skies will be at their darkest. One night, we are going on an excursion to be taken out into the wilderness, so there'll be no light pollution at all. We also have the chance of seeing them from the ship. I'm keeping my fingers crossed, big time!
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • Goldiegirl
    • By Goldiegirl 4th Jan 18, 4:10 PM
    • 8,330 Posts
    • 48,864 Thanks
    Goldiegirl
    My walking programme has commenced. I've been able to get out for a walk for the last two days, so I intend be out every day that weather permits. I need to do an hour a day, at least. Some days, especially when winter is over, I'll do much more, so it should all even out by the end of the year.

    Our walk today took us to the shopping centre, where we used two M&S coffee vouchers, and I bought a top from M&S in the sale. It was £8.50, and will be ideal to wear in the evening on a cruise.

    We're looking ahead to the changes we intend to make in the living room and dining room, and have made a couple of online purchases. We want a flame effect fire to create a focal point. We've been looking for ages, and a new model has just come out, which is ideal. It will retail at £199.99, but the pre-issue price is £159.99, so we ordered it. We've had our eyes on a couple of floor lamps, and I noticed today that one of the colours has sold out. So we decided to order the colour we want, as we'd be disappointed if we couldn't get them. So we ordered those too - another £131 spent, but they were at a lower price than when we first saw them. I'll get Quidco cashback on the lamps too.

    We picked up two application forms for the Kent Reliance monthly saver. Our current monthly saver finishes next week, so we'll do it for another year. I think the current interest rate is 3%, so quite decent for today.

    The only money in news - 25 point survey on You Gov. Prolific has suddenly gone quiet on me.
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • Goldiegirl
    • By Goldiegirl 5th Jan 18, 3:58 PM
    • 8,330 Posts
    • 48,864 Thanks
    Goldiegirl
    Another walk achieved, and I've now worked out my basic walk route which is 2.8 miles long, which is just right for my minimum needed daily amount of 2.74 miles. Therefore, if we haven't got anything else planed, I can do at the least this basic walk, and know that I'll be on target.

    I walked by myself today, as Mr Goldie was stripping paint off a door (don't ask) and I was thinking about my diary and MSE in general. In future, I will probably do updates to my diary every week or so. This will give me a chance to read a few more diaries.

    Just done a big Healthy Supplies order for my seeds and nuts. Previously it was £40 for free shipping, but this has gone up to £50. I also got some herbs and spices and came in at £51.36. However, I'm unlikely to spend that much every time
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
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