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  • FIRST POST
    • Goldiegirl
    • By Goldiegirl 7th Apr 14, 3:24 PM
    • 8,330Posts
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    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 114
    • Karmacat
    • By Karmacat 5th Jan 18, 7:19 PM
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    Karmacat
    It's sounding wonderful, Goldie

    Interesting that you have so many monthly savers - Kent Reliance? Must go for them myself, otherwise cash rates are so pitiful.

    I'm so glad you've got the walking programme going - I'm joining in a little walking programme run by the council - I do more with my sister, but I need to meet people in my town.
    Retired August 2016
    • michelle09
    • By michelle09 6th Jan 18, 3:36 PM
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    michelle09
    They are incredible to see, I really hope you get the chance. We went in December which is a good time for activity, but also tends to have a lot of cloud cover.

    Well done on the walking, sounds like a decent target!
    • Goldiegirl
    • By Goldiegirl 8th Jan 18, 3:04 PM
    • 8,330 Posts
    • 48,887 Thanks
    Goldiegirl

    Interesting that you have so many monthly savers - Kent Reliance? Must go for them myself, otherwise cash rates are so pitiful.
    Originally posted by Karmacat
    Some of my fixed term lump sum accounts matured, and the interest rates for the current fixed term savers are so poor, so I decided to used the monthly savers instead. I've got a Tesco Instant Access account that I use for the money to 'sit' before its cycled into the monthly savers. The Tesco account currently pays 1.26% , even that is better than the rates offered on the fixed term accounts.

    Kent Reliance monthly saver pays 3% and you can pay £500 per month, but it is a branch based account. That's fine for us as we have a local branch, but you can't open it online. I'm not sure if it can be done by post
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • Karmacat
    • By Karmacat 8th Jan 18, 3:18 PM
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    • 167,869 Thanks
    Karmacat
    Ah! Thanks Goldie - I checked on their website, and that monthly account is branch only, you were right - plus, annoyingly, their branches are in two clumps, and I'm smack in the middle, in the empty bit!

    Got to pay attention to taxes now, but I'll sort this as soon as I can.
    Retired August 2016
    • Goldiegirl
    • By Goldiegirl 12th Jan 18, 3:34 PM
    • 8,330 Posts
    • 48,887 Thanks
    Goldiegirl
    I've decided to do my updates with various headings. I've seen other people do this and it always looks very organised!

    Health
    • Walks achieved to date in January 11/31. So only one day missed.
      Booked opticians appointment for a couple of weeks time

    Mindful Spending
    • Sainsbury's groceries £65.48. Stocked up on things we can't get at Aldi
    • M&S Groceries £31.00. Would have been £43.55 but voucher, discounts and offers used. That's Sunday lunches sorted until we go on holiday in March
    • A few LED lightbulbs purchased. We are gradually replacing all lightbulbs in the house

    Making money
    • Prolific Surveys £3.50
    • You Gov 25pts
    • eBay sale for my friend. My profit after fees 88p!
    • Item listed on eBay for my friend, currently at £31.00 with 79 watchers! (its a fitness thingy!)
    • Filled out forms for maturity of M&S ISA. Withdrawing all the money as the best they can offer is 0.85 for 3 years. No thanks!
    • £10 voucher received from M&S for slippers or nightwear.

    Enjoying life
    • Tea with friends
    • Binge watching London's Burning. The Drama Channel is repeating all the shows from the 90's. I really loved this show and it's withstood the test of time. We've just finished series 7.
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • Goldiegirl
    • By Goldiegirl 12th Jan 18, 3:36 PM
    • 8,330 Posts
    • 48,887 Thanks
    Goldiegirl
    I've just had an extremely frustrating 30 minutes on Prolific surveys. I had to fill in a figure in bold and there was no way I could work out how to do it. Alt-B didn't work and I tried all sorts of things to no avail. It was a £1 survey so eventually decided it wasn't worth the bother!
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • Karmacat
    • By Karmacat 12th Jan 18, 6:48 PM
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    Karmacat
    Great update, and brilliant shopping! But a shame about 30 minutes wasted. I use Ctrl B, not Alt?
    Retired August 2016
    • michelle09
    • By michelle09 13th Jan 18, 10:31 AM
    • 787 Posts
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    michelle09
    That's all looking good! March is getting ever closer.
    • Goldiegirl
    • By Goldiegirl 13th Jan 18, 4:17 PM
    • 8,330 Posts
    • 48,887 Thanks
    Goldiegirl
    Great update, and brilliant shopping! But a shame about 30 minutes wasted. I use Ctrl B, not Alt?
    Originally posted by Karmacat
    I meant to say Ctrl B ...... but that didn't work! It was so frustrating!

    Today I got a 70p Prolific Survey, with a possibility of a bonus payment. I had to transcribe strings of letters and numbers. Some of the things seem a bit pointless, but I suppose it helps someone, somewhere
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • misscousinitt
    • By misscousinitt 13th Jan 18, 7:19 PM
    • 3,612 Posts
    • 20,870 Thanks
    misscousinitt
    Hi Goldie

    Just catching up. Love the new headings and the 2018 plans - I wish you all the best with your walking 1000 miles.

    I have been so much more active on a daily basis since I left my desk job - I actually lost quite a lot of weight before Christmas, but that was because of working like crazy, looking after a friend and generally rushing about. My activity levels have been pretty awful over the Christmas period but are picking up again now it's all over. PS I find it hard to keep weight on at certain times - I am the complete opposite to most people - but being too thin can be just as frustrating believe me.

    I love your idea of blowing up your photos onto canvas for room artwork. I have just mentioned it to DH and he likes the idea. We too are planning to decorate our lounge this year. We have been to some wonderful places over the years and it would be great to get some unique artwork that is special to us. Can I ask where you had them done? We're they expensive to get done ?

    Looking forward to hearing about your 2018 adventures.

    MCI x

    ETA I can't believe it was 2014 that you retired - how time flies!
    Last edited by misscousinitt; 14-01-2018 at 9:57 AM.
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £89, 489.14 (20.06.2018)
    OP's to Date £6000

    Renovation Fund:£736.95;
    Nectar Points Balance: approx £2.50 (after microwave purchase
    • Goldiegirl
    • By Goldiegirl 20th Jan 18, 4:03 PM
    • 8,330 Posts
    • 48,887 Thanks
    Goldiegirl
    Hi, MCI. We had our photos done by Photobox. It was quite easy to do, just had to upload the photos as part of the order process. We had three medium sized canvases done, and I think it came to about £80, but there was an offer on at the time. It is very pleasing to see your own 'artwork' on the wall.

    Here's my latest update

    Health
    • Walking for January 18/31 days. However, some of the walks were rather short due to the weather. I'm slipping behind on the distance target at the moment

    Mindful Spending
    • Grocery spending in Aldi £24.72. Should be quite low for the next couple of weeks too
    • Spending on planned home improvements. As well as doing the living room and dining room, we've also decided to give the hall a 'lift'. We bought a small chest of drawers for a gap which we've never filled and a piece of wall art that looks as if you are looking through a window at a coastal view. Both from Wayfair, and both look good

    Making Money
    • £1.45 from Prolific Studies. Very nearly at my first £20 payout.
    • 25pt You Gov Survey. My You Gov surveys are very few and far between now, and I rarely get a 50 point one , either.
    • £13.78 profit on eBay sales
    • Closed our old Kent Reliance regular savings accounts and opened new ones. £206.34 interest earned over the year
    • Proceeds of maturing M&S ISAs received. I intend holding the money until after 6th Feb, when we have Halifax ISAs maturing. I'll then make a lump sum investment *somewhere*

    Enjoying Life
    • Home improvements are happening. Our new sofas arrived this week, and I totally love them! Also, our order for a flame effect electric fire arrived, so we now have a new focal point. Plus the two new items for the hall look good. Mr Goldie woodstained all the doors in the house before Christmas and added new handles, and he's now working on the staircase.
    • Getting organised - The last of my major decluttering finished about 2/3 years ago. However, some areas need reorganising, and our improvements this year will help us get to grips with this. As a start, I've sorted out about 50 books to be given to my friend's mum.
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • Karmacat
    • By Karmacat 20th Jan 18, 7:23 PM
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    • 167,869 Thanks
    Karmacat
    There's a lot going on! Staining all the doors is really time consuming, I bet it looks good.
    Retired August 2016
    • Goldiegirl
    • By Goldiegirl 21st Jan 18, 3:31 PM
    • 8,330 Posts
    • 48,887 Thanks
    Goldiegirl
    We're really pleased at how its turned out. We the doors are all wood veneered, and we hadn't done anything to them since we moved here. The woodstain has really enhanced the look of the doors.

    This morning I moved the DVD's to their new home in a cupboard upstairs.

    I think this week I'll be preparing the Welsh dresser for sale on eBay. We've had it for about 28 years, and it is time for a change. We've discussed painting some of the furniture, but we've decided to make big changes instead. I'm quite reluctant to list it, as I still like it, but we want to make space so we can move our remaining furniture around while we decorate and get new floor covering. All being well, we'll be getting carpets and new furniture in the spring, so we'll be 'transitional' for a while

    Dire weather today, so no chance of a walk
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • michelle09
    • By michelle09 21st Jan 18, 9:33 PM
    • 787 Posts
    • 4,368 Thanks
    michelle09
    The home improvement sounds good. Want to send Mr Goldie to sort ours? We are terrible DIY folk

    Hope you get to relax on the lovely new sofa!
    • misscousinitt
    • By misscousinitt 22nd Jan 18, 8:21 AM
    • 3,612 Posts
    • 20,870 Thanks
    misscousinitt
    All sounds wonderful Goldie and thanks for the tip on photo box - I will have a look and keep an eye out for offers.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £89, 489.14 (20.06.2018)
    OP's to Date £6000

    Renovation Fund:£736.95;
    Nectar Points Balance: approx £2.50 (after microwave purchase
    • Goldiegirl
    • By Goldiegirl 24th Jan 18, 4:10 PM
    • 8,330 Posts
    • 48,887 Thanks
    Goldiegirl
    I mentioned one of the things I wanted to improve this year was my mental health. These things are difficult to talk about but, I feel I need to record this.

    I've frankly had a major meltdown today.

    As part of our improvements, we want to install a couple more sockets. Mr Goldie decided to make a start on it today. It was something I wasn't looking forward to, but thought it was best to get it done.

    Anyway, he needed to cut a channel in the wall for the new wiring, which he did with a new tool he's got, an angle grinder

    I left him to it, then came back in the room, there were clouds of dust going everywhere, including all over our one week old sofas, which he hadn't even put dust sheets over.

    I went completely into a panic attack, I literally couldn't breathe. It was pretty bad.

    When I eventually calmed myself a bit, we moved to sofas into the dining room and I had to give them a major hoovering. Thankfully they are ok.

    If that had been it, I could feel as if I could move on from that point.

    However, my lovely new fire isn't working properly now. When we got it, the first time we tried to put the fan heater on, it didn't work, so we switched it off and started again, then it was fine. However, today, it was unplugged at the wall, and you guessed it, the fan heater won't work at all. Plus there's now a 'block' on the screen in one corner, which notices when the fire display is on.

    We've tried ringing them, but you have to leave a message, which we did two hours ago and have contacted them via a message on their website. No response yet.

    I can't understand how I could be perfectly happy this morning, and then go from panic attack to how I feel right now which is total dejection.

    I've always been a worrier, but when things appear to go wrong so quickly, I think to my self that I'm right to worry about things, and I think this is why I start to feel fearful.

    I'm not sure I even want the fire any more. I was so happy with it, but now it seems to be something I don't even want to look at, as it reminds me of what's happened today.

    I'd probably feel a bit better if I could actually talk to somebody at the retailer, but it's like a blank wall at the moment.

    I just wanted to get this on record. I have no answers today, so I'll just leave it there for now.
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • edinburgher
    • By edinburgher 24th Jan 18, 4:16 PM
    • 11,148 Posts
    • 59,854 Thanks
    edinburgher
    I am so sorry to hear this Goldie

    Also a massive worrier here and there is nothing more stressful than things going wrong in your home, your sanctuary. Try and resolve the practical things one at a time and then take a breather to get back on an even keel.

    Have you had any counselling or similar in the past?

    Thinking of you, take care
    • greent
    • By greent 24th Jan 18, 5:20 PM
    • 7,081 Posts
    • 72,156 Thanks
    greent
    Didn't want to read and run, Goldie. (Have a husband with long term on and off serious MH issues which I've referred to in past so understand some issues with regards to talking about it) Hopefully the retailer will contact you tomorrow and it will be an easy fix. Worst case scenario for the fire is a refund under Sale of Goods Act, I guess.

    Sofas are ok (although Mr Goldie clearly wasn't thinking when he neglected to cover them) - which is a positive.

    January is pants. Are panic attacks a regular/ increasing thing? Do yo find your mood is lower in Winter (SAD?)

    Nothing really constructive to say, I'm sorry - but your MFW followers are here to listen when needed x
    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) £1068.37/£4000
    Net sales 2018 £522.39/£1000 PAYDOX18 (#15) £18564.38/£18918.90
    • misscousinitt
    • By misscousinitt 24th Jan 18, 6:57 PM
    • 3,612 Posts
    • 20,870 Thanks
    misscousinitt
    (((Hugs))) Goldie, I am so sorry you feel this way.

    Hope things improve for you tomorrow.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £89, 489.14 (20.06.2018)
    OP's to Date £6000

    Renovation Fund:£736.95;
    Nectar Points Balance: approx £2.50 (after microwave purchase
    • Karmacat
    • By Karmacat 24th Jan 18, 7:04 PM
    • 29,312 Posts
    • 167,869 Thanks
    Karmacat
    So sorry to hear this, Goldie - I ended up sending you a pm. Hoping you're coping okay, and talking with OH about it all. And strongly identifying with what you're saying...
    Retired August 2016
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