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    • Karmacat
    • By Karmacat 2nd Jan 18, 2:38 PM
    • 31,282Posts
    • 184,077Thanks
    Karmacat
    Travelling On
    • #1
    • 2nd Jan 18, 2:38 PM
    Travelling On 2nd Jan 18 at 2:38 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!

    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
Page 139
    • teapot2
    • By teapot2 16th Apr 19, 9:19 PM
    • 2,029 Posts
    • 7,419 Thanks
    teapot2
    Enjoy the binge watching
    • Karmacat
    • By Karmacat 17th Apr 19, 9:14 AM
    • 31,282 Posts
    • 184,077 Thanks
    Karmacat
    Oh dear - boo to heat not functioning - hope you were able to get it working when wh@t's apping about the cleaner!
    Originally posted by rtandon27
    Alas not! Nor have I made it work this morning while whatsapping directly about it long live fan heaters, thats all I can say.

    Hope the kitties were sufficiently cuddly to provide some warmth!
    Kitty warmth is a wonderful thing! So is a 100%wool rug, of course!

    Enjoy the binge watching
    Originally posted by teapot2
    Thanks! I lurve bingeing! And I'm surprised at how character-driven WD is, very interesting.

    Off out now to sightsee
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • themadvix
    • By themadvix 17th Apr 19, 11:21 AM
    • 2,286 Posts
    • 12,899 Thanks
    themadvix
    Enjoy your sightseeing!
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • beanielou
    • By beanielou 17th Apr 19, 12:17 PM
    • 62,561 Posts
    • 270,609 Thanks
    beanielou
    Happy sight seeing xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • Karmacat
    • By Karmacat 18th Apr 19, 9:37 AM
    • 31,282 Posts
    • 184,077 Thanks
    Karmacat
    I did, thanks! Found the Army Museum, which has a study centre in the basement that you can join for free, with oodles of genealogical research available: my Ramgate MP of WWI, and my Napoleonic Irish soldier.

    Also found this place nearby: https://sloanechurch.org/ the arts and crafts cathedral of London, it calls itself, pretty accurate too.

    Shattered after that, I confess I've spent most of my time since then in bed, completely ignoring the boiler issues. I might be just about to get going
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • rtandon27
    • By rtandon27 18th Apr 19, 8:23 PM
    • 2,415 Posts
    • 15,576 Thanks
    rtandon27
    ...I've spent most of my time since then in bed...
    Originally posted by Karmacat
    Ah bed! - best place in the world! This Easter weekend will have loads of duvet time!
    2+ YEARS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    Working hard to keep all the balls in the air and juggle the budget!
    • Karmacat
    • By Karmacat 19th Apr 19, 9:28 AM
    • 31,282 Posts
    • 184,077 Thanks
    Karmacat
    Sounds like you need it! I hope you have a lovely relaxing Easter time.


    I'm at loose in the Big Smoke over part of a huge bank holibob. Hmmm! I was on tfl plotting how to get to the British Museum, and realised that most routes take me through Waterloo. Where one of the main climate change protests is being held. So I'm going to go have a look. I don't know if people are even being allowed near it, but it seems a bit insane to be only 100 yards away and not even inspect it - I'm a sucker for big events. Not festivals, but events. If I can't see it, I'll carry on to the BM, for a small (free) exhibition on the history of food production. I wonder if *that* will include climate change too! I watched David Attenborough *plus* the Age of Stupid thing last night, really something. I'm not sorry I'm getting the kitchen done, but it does remind me that I need to up my game in harvesting what I've planted, and in learning to do more ecologically.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • themadvix
    • By themadvix 19th Apr 19, 10:02 AM
    • 2,286 Posts
    • 12,899 Thanks
    themadvix
    Lol Karma - everyone else is trying to avoid the climate protests and you want to see them!

    I think you're entitled to get the kitchen done - how long has it been since it was replaced? While ultimately we're all living beyond the earth's means, I think replacing a kitchen once it's no longer functioning/falling apart is acceptable. It's the people who replace them every 5 years because it's out of fashion (or IKEA which is apparently considering renting kitchens! ) that are really going out of their way to destroy the planet.

    I too need to get better at the harvesting.... it's difficult to incorporate if it's in the garden and I don't remember it needs eating!
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • Karmacat
    • By Karmacat 19th Apr 19, 4:18 PM
    • 31,282 Posts
    • 184,077 Thanks
    Karmacat
    Lol Karma - everyone else is trying to avoid the climate protests and you want to see them!
    Originally posted by themadvix
    It's very me It was fascinating, actually - maybe 60% toddlers/ children/ pensioners. And they're not kidding about the amount of pot plants (up to and including shrubs) that are there. It's obvious that both protestors and police have put in a lot of training on how to keep the arrests peaceful, I've seen a lot of stuff go wrong in the past when young guys get arrested.

    I think you're entitled to get the kitchen done - how long has it been since it was replaced? While ultimately we're all living beyond the earth's means, I think replacing a kitchen once it's no longer functioning/falling apart is acceptable. It's the people who replace them every 5 years because it's out of fashion (or IKEA which is apparently considering renting kitchens! ) that are really going out of their way to destroy the planet.
    Thanks for this! Yep, it's just not fit for purpose, and the wall cupboards will triple the amount of storage in the little brick shed in any case. I've kept as much as I can: those cupboards, the wm and dw, the boiler, the f/f, and even the sink, though I *have* changed the taps - thats for the arthritis.

    I too need to get better at the harvesting.... it's difficult to incorporate if it's in the garden and I don't remember it needs eating!
    Absolutely! I think I need to make a routine, once a week, of making a salad of what's there - chive, salad burnet, oregano, sorrel, I'm sure there's a few other things.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Karmacat
    • By Karmacat 21st Apr 19, 9:40 AM
    • 31,282 Posts
    • 184,077 Thanks
    Karmacat
    Home again ... washing machine has been on constantly this morning, my sister drove me back from my railway station and took my bedding to wash and dry at hers ... so today is the last emptying out of the kitchen (minimal supplies are still there), and cleaning the last of the bathroom, so it's ready for the builders tomorrow. Gulp. Not your normal Easter.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • teapot2
    • By teapot2 21st Apr 19, 10:08 AM
    • 2,029 Posts
    • 7,419 Thanks
    teapot2
    Welcome home, Easter Monday building work - another step towards new kitchen Hope it all goes to plan.
    • rtandon27
    • By rtandon27 21st Apr 19, 11:43 AM
    • 2,415 Posts
    • 15,576 Thanks
    rtandon27
    Happy Easter KC!



    Excited for your kitchen make-over starting tomorrow!
    2+ YEARS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    Working hard to keep all the balls in the air and juggle the budget!
    • Karmacat
    • By Karmacat 21st Apr 19, 12:55 PM
    • 31,282 Posts
    • 184,077 Thanks
    Karmacat
    Thank you both
    I'm just off out into the garden - the wild garlic is flowering, there's much more foliage (hopefully leading to fruit) on the fruit bushes, and even though there's a ton of weeding to be done, the bones of the garden are still there. And the two of the four little raspberry cuttings have rooted {thank you again, apple!). I have the shelves from the old dishwasher over them to prevent the cats digging that area, so I think their roots must be getting beautifully established now happy days.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
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