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  • FIRST POST
    • Karmacat
    • By Karmacat 2nd Jan 18, 3:38 PM
    • 32,904Posts
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    Karmacat
    Travelling On
    • #1
    • 2nd Jan 18, 3:38 PM
    Travelling On 2nd Jan 18 at 3:38 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
    New kitchen fully installed June 2019
Page 208
    • Finally Solvent
    • By Finally Solvent 14th Jan 20, 11:32 AM
    • 209 Posts
    • 1,489 Thanks
    Finally Solvent
    Yep, it was great My only problem, in retrospect, was having the cheese omelette I first ordered rather than the plain omelette I tried to order seconds later ... cue a sleepless night. Cow's cheese, bad for me. Tasted great though And because I woke up so early (2am!) I did actually manage to get back to sleep.

    Today is an online social day - this is new for me, but being social means, y'know, being social. Who knew? I certainly didn't
    Originally posted by Karmacat
    Sorry the cheese caused you to have broken sleep but at least you enjoyed eating it and you managed to drift off for part of the night. I love cheese omelettes, they're a big favourite of DH and I when we get home late and want a hot meal quickly. I also put mushrooms in ours and with a few oven chips and some baked beans as 'sides' it makes a nice tasty meal You've made me hungry now, I might rustle one up tonight

    Your online social plans sound interesting. The only online activities I'm likely to be involved in today are concerning various lack of communication 'issues' with companies and maybe trying to sort out once and for all why my laptop battery rarely charges when plugged in. I'm fed up with using it tethered as it defeats the object of having a lightweight, portable laptop
    Virtual Sealed Pot Challenge 2020 #6 £33.49/£500
    • Karmacat
    • By Karmacat 14th Jan 20, 1:29 PM
    • 32,904 Posts
    • 194,638 Thanks
    Karmacat
    Glad you got back to sleep horrible to be lying awake for hours.

    The online socialising sounds interesting, how does that work then?
    Originally posted by teapot2
    I've ended up sounding sort of mysterious, when its anything but: it's just that I've sent four personal emails today, thats all, but thats a big deal for me. And a big deal in a very good way, too: friendships maintained, not run away from. Two go way back to the mid1980s, one is more recent, the other is family. I'm a happy bunny.
    Sorry the cheese caused you to have broken sleep but at least you enjoyed eating it and you managed to drift off for part of the night. I love cheese omelettes, they're a big favourite of DH and I when we get home late and want a hot meal quickly.
    Originally posted by Finally Solvent
    One of the things I love best about all that is the "two forms of protein" thing, it just feels very luxurious to me.
    Your online social plans sound interesting. The only online activities I'm likely to be involved in today are concerning various lack of communication 'issues' with companies and maybe trying to sort out once and for all why my laptop battery rarely charges when plugged in. I'm fed up with using it tethered as it defeats the object of having a lightweight, portable laptop
    See above for my tell-all about online social plans Hope you get the battery sorted - I only use that facility very rarely, but when its useful, its really, really useful

    Off outside in the pouring rain in a few mins, to collect *another* new computer mouse. I'm determined to be a lot kinder to this one. Write out a couple of birthday cards, pay my credit cards, and oh blimey, my home and contents renewal is due on 18th, and I've researched nothing whatsoever. That *has* to be done today or tomorrow.

    **zooms off**
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • rtandon27
    • By rtandon27 14th Jan 20, 2:46 PM
    • 2,546 Posts
    • 16,405 Thanks
    rtandon27
    ...Today is an online social day - this is new for me, but being social means, y'know, being social. Who knew? I certainly didn't
    Originally posted by Karmacat
    LOVE IT!

    Who knew 'social' was a thing?!?
    3 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 14th Jan 20, 6:33 PM
    • 32,904 Posts
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    Karmacat
    I know, I know part of me is just ten years old, and not in a good way
    After the emails, I did two birthday cards, unsubscribed from some newsletter emails, chucked loads of freebie mags (U3A and National Trust mostly) and a half dozen Sun newspapers (thankfully) and Returned To Sender another 3 postal catalogues chancing their arm. So wet outside!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • Karmacat
    • By Karmacat 15th Jan 20, 5:57 PM
    • 32,904 Posts
    • 194,638 Thanks
    Karmacat
    Afternoon all

    There was a lot more wetness in store for me this morning - I went to the Environmental Group of the U3A which wasn't wet at all, actually, but getting there, I had to get through standing water deeper than I've seen since I moved here. Not comforting. One lady there was about 70, and had a single grandchild, four weeks old - and she said she couldn't understand our congratulations, given what can be expected environmentally in that child's lifetime

    I mean, I know. I do. But the human race has to go on (I think so anyway!) so some babies need to be born.

    I also wish I could learn to shut up sometimes in meetings I'm always polite, but I do keep putting my spoke in

    Anyway, there was a victory today: both credit cards paid up to date, and all the non-tax-sheltered money is listed for the tax return. It's a tiny amount, but like everyone else I have regular savers and instant access (oh, and a bond) coming out of my ears .

    So tomorrow (because I'm about to lose the will to live):
    - check those credit card payments show up, because they didn't even show up in Pending.
    - enter the savings account tax payments into the hmrc form.
    - find/ try to find the two dividend payments I get: SSE, who I like, and Santander, which was originally freebie shares from Abbey National I think. I've sold the Santander, but still need to declare until that point, of course.
    - if I can find both divvy payments, input the info to hmrc. Don't submit the form yet, need to check it.
    - work through home and contents insurance very quickly - looked at the renewal very quickly, they've lifted the amount by about 12%, don't know if I can do better.
    - I also need to get my new computer mouse working, the mousepad on here is seizing up again.

    As I've been finding tax figures, I'm also taking note of interest rates: a lot of easy access money is earning **appalling** interest rates. Must do better.

    Have a lovely evening all
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 15th Jan 20, 10:54 PM
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    wishingthemortgaheaway
    I hear you on the interest rates, it's almost getting to the point where I'm paying the bank to look after my money (which is what I guess those fee paying accounts are)
    My isa is horrific, but I haven't got enough flexibility to do a fixed term one - my isa is my emergency fund and I need to be able to access it in and emergency.

    The only thing that seems to be improving is the value of the house, but I'm having to spend an awful lot of money to keep it doing that. (We are still 'up' in terms of expense versus reward, but it's all hard work!)
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
    • rtandon27
    • By rtandon27 16th Jan 20, 11:40 AM
    • 2,546 Posts
    • 16,405 Thanks
    rtandon27
    I hear you on the savings interest! Our ISA's are pitiful!!!

    OH & I have the constant 'discussion' about money that I think should be locked away at a higher interest rate vs. his nervous reluctance not to have it accessible!

    Different generations I guess mean different opinions - I feel that if worse came to worse we could throw the expenses on one of the multiple credit cards we have, get the money out (with notice) and pay them off! He is resolute that it needs to be accessible which means we have a really crappy interest rate! - He's a stubborn old goat
    3 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!
    • Finally Solvent
    • By Finally Solvent 16th Jan 20, 1:13 PM
    • 209 Posts
    • 1,489 Thanks
    Finally Solvent
    I commiserate with everyone who's posted about woeful interest rates. It's demoralising having to be constantly vigilant about rates and having to faff about closing accounts and opening others for the tiny amount of profit it will make. I know every little helps but all the effort chasing so little is really annoying.


    Now I'm debt free and can at last afford to save I'm constantly trying to find somewhere that pays reasonable interest so I can build my savings up as quickly as possible. I'm already retired so realistically don't have decades to do it in


    I'm tempted by Peer-to-Peer saving but am wary of the risks. It would be nice to help someone else who is maybe having problems getting loans (as I was once upon a time). I keep reading up about the pros and cons but am still well and truly on the fence.
    Virtual Sealed Pot Challenge 2020 #6 £33.49/£500
    • Karmacat
    • By Karmacat 16th Jan 20, 6:51 PM
    • 32,904 Posts
    • 194,638 Thanks
    Karmacat
    The only thing that seems to be improving is the value of the house, but I'm having to spend an awful lot of money to keep it doing that. (We are still 'up' in terms of expense versus reward, but it's all hard work!)
    Originally posted by wishingthemortgaheaway
    My house has had an uplift of 25-30% since I moved in 2010, but that happened very quickly and never really budged since then. Odd.

    I hear you on the savings interest! Our ISA's are pitiful!!!

    OH & I have the constant 'discussion' about money that I think should be locked away at a higher interest rate vs. his nervous reluctance not to have it accessible!

    Different generations I guess mean different opinions - I feel that if worse came to worse we could throw the expenses on one of the multiple credit cards we have, get the money out (with notice) and pay them off! He is resolute that it needs to be accessible which means we have a really crappy interest rate! - He's a stubborn old goat
    Originally posted by rtandon27
    I'm with you on the credit card use in that situation, RT - tell him so However, I've been doing a really, really bad job of investing all my money. Ie, I haven't and I apologise to the mse community at large for this

    I commiserate with everyone who's posted about woeful interest rates. It's demoralising having to be constantly vigilant about rates and having to faff about closing accounts and opening others for the tiny amount of profit it will make. I know every little helps but all the effort chasing so little is really annoying.
    Originally posted by Finally Solvent
    Thats a good point about new accounts all the time. There are some interesting wrinkles, though - Virgin Money Regular Saver stopped taking deductions after a year, fair enough - but it still pays me the same rate, rather than closing it and putting it in some holding account. I like that As I said in the previous paragraph though, I've got a load of new accounts to do.

    I'm tempted by Peer-to-Peer saving but am wary of the risks. It would be nice to help someone else who is maybe having problems getting loans (as I was once upon a time). I keep reading up about the pros and cons but am still well and truly on the fence.
    Ratesetter had a referral scheme that was really well funded at one stage, and edinburgher pulled me into the 21st century with it money just sits there, accumulating at anything between 2.4% and 3.8% - plus initial bonuses. I have less than 1% of my money in there, so its not going to cripple me if it does fail. But I often get an email in the middle of the month saying "your loan has been repaid early" (what someone has borrowed from me). I can't recommend it, though, because I don't know enough about the market - I literally took a punt on it
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • Karmacat
    • By Karmacat 16th Jan 20, 6:58 PM
    • 32,904 Posts
    • 194,638 Thanks
    Karmacat
    Just to confirm that I've done naff all today I had the chance to go to the Mary Quant Exhibition at the V&A and it was fan-bleeping-tastic. Extraordinaire, mes amies! Put the cameras of my new phone to the test - ahem, there are three - one selfie and two of different ... focal lengths? ... facing out. I hadn't realised quite what an innovator she was.

    HOWEVER. When my sister showed her Senior Railcard recently, the staff member joked that she must have stolen it from her mum. I walked onto the District and Circle, and a woman in her 20s leapt up and offered me her seat I'm not kidding. I'm mortified, but I'm not kidding. Luckily I've been about to clear up my act - these linen Next trousers I'm collecting, half price, tomorrow, being a case in point. I can get a proper haircut (last time was coming up to 4 years ago ....). I can use all the expensive Liz Earle gubbins I have (presents from SiL) instead of letting it sit in a cupboard and rot. I can smarten up the clothes I wear.


    Just a few more fairly intense steps on the finances, and I'll be ready to rock and roll.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 16th Jan 20, 7:41 PM
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    wishingthemortgaheaway
    No, you've not done 'naff all' today, you seized the opportunity to be social, and do something that interests you, isn't that what retirement is all about?

    Re: 'smartening up' I did a style day recently (ridiculously expensive, but definitely an investment) the thing I picked up mostly on was 'look finished' things like:
    Don't just pull hair back into a mum bun - brush it into a pony tail properly
    Wear a pair of earrings
    Never less than foundation, mascara, blusher and lipstick - should take 90seconds.
    Shoes & scarves appropriate for your clothes (rather than just putting the same old pair of scratty trainers on)

    It's made a huge difference to my approach. I've still got some work to do, and some shopping for clothes, but, I'm getting there.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
    • Karmacat
    • By Karmacat 16th Jan 20, 8:01 PM
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    Karmacat
    Awww, thank you, wish thats really nice
    No, you've not done 'naff all' today, you seized the opportunity to be social, and do something that interests you, isn't that what retirement is all about?
    Originally posted by wishingthemortgaheaway
    The bit from you that I've quoted is really interesting (especially in light of it being today that I saw the Mary Quant exhibit! I'm bolding ... but I might as well tell you upfront, I'm not spending that on a style day, I admire you for biting the bullet!
    Re: 'smartening up' I did a style day recently (ridiculously expensive, but definitely an investment) the thing I picked up mostly on was 'look finished' things like:
    I love this overall point, I think its really, really important.

    Don't just pull hair back into a mum bun - brush it into a pony tail properly
    Thats a handy tip for me, because thats exactly what I do

    Wear a pair of earrings
    You know, I got my ears pierced in my last year at college because I knew I was lazy in looking after myself, and I felt that earrings helped me *look* as if I was trying. Even gold studs would be a good thing.

    Never less than foundation, mascara, blusher and lipstick - should take 90seconds.
    Ah. Not going to happen. What I might try to start using, when I leave the house, is under-eye concealer. That might lead on to other things, I don't know, but it could help.

    Shoes & scarves appropriate for your clothes (rather than just putting the same old pair of scratty trainers on)
    I'm not the world's worst, but I'm very, very far from the world's best. I could use this.

    It's made a huge difference to my approach. I've still got some work to do, and some shopping for clothes, but, I'm getting there.
    I appreciate you posting it, wish, I really do, thank you
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • Finally Solvent
    • By Finally Solvent 17th Jan 20, 7:17 AM
    • 209 Posts
    • 1,489 Thanks
    Finally Solvent
    Wear a pair of earrings
    You know, I got my ears pierced in my last year at college because I knew I was lazy in looking after myself, and I felt that earrings helped me *look* as if I was trying. Even gold studs would be a good thing.
    Originally posted by Karmacat
    Have you worn earrings regularly since your college days, KC? Just asking because I had my ears pierced for the first time in 1990. Very late to the party but after that date wore earrings every single day. I had loads, I really loved my earrings. Even when not going out I wore gold studs.


    I stopped wearing any for about 3 years for various reasons but then last year decided to start wearing them again in an attempt to smarten myself up a bit. Very easy in retirement to stop bothering. Frustratingly, after numerous tries to get the posts through the holes I had to give up. Discomfort, pain and even bleeding wasn't a price worth paying. The pierced holes had totally healed up. I had to go and get them re-pierced with that 'gun' thingy they use with the studs with a more pointed end. Expense I didn't want but at least I'm happily wearing all my old favourite earrings again now and I feel so much better whenever I go out
    Virtual Sealed Pot Challenge 2020 #6 £33.49/£500
    • Karmacat
    • By Karmacat 17th Jan 20, 9:14 AM
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    Karmacat
    Hi FS - no, I haven't, but I do wear hypo-allergenic dangly earrings every now and then. I couldn't wear them every day as the old reaction starts to come back. I had some filigree Venetian silver ones, and the fiddly bits picked up muck from somewhere, I started to get bad reactions - had to stop wearing them for years. But the holes have never closed up like most people's do, I've no idea why. My skin is weird.

    Thats great that you've got your earrings back! Good for you
    Today - I'm off to Next to pick up/drop off trousers bought on the off chance. Then circling round to Waitrose to return wrong-sized bootee slippers I bought as a pressie. I have a million little financial admin things to do, and I need to ring my brother and I also need to stand under a shower for at least 5 minutes and breathe
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • Suffolk lass
    • By Suffolk lass 17th Jan 20, 9:25 AM
    • 3,571 Posts
    • 30,967 Thanks
    Suffolk lass
    No, you've not done 'naff all' today, you seized the opportunity to be social, and do something that interests you, isn't that what retirement is all about?

    Re: 'smartening up' I did a style day recently (ridiculously expensive, but definitely an investment) the thing I picked up mostly on was 'look finished' things like:
    Don't just pull hair back into a mum bun - brush it into a pony tail properly
    Wear a pair of earrings
    Never less than foundation, mascara, blusher and lipstick - should take 90seconds.
    Shoes & scarves appropriate for your clothes (rather than just putting the same old pair of scratty trainers on)


    It's made a huge difference to my approach. I've still got some work to do, and some shopping for clothes, but, I'm getting there.
    Originally posted by wishingthemortgaheaway
    I am an almost total fail on these.
    Short hair that I just wash and brush
    Yes I wear earrings (left in, all the time - hoops like 50p size)
    Never wear make-up - just some lip-salve if it is cold dry or windy and they feel dry.
    I do wear specs that frame my eyes but if I wear mascara my lashes touch the inside of the lens and stripe it.
    Rarely pick up a scarf and always wear comfortable shoes or walking boots (usually with jeans and a hoody!).
    I don't give it a thought what others think of my appearance. I just think of the warmth, comfort and content of the meeting. Apart from underwear (which I don't like to be knackered), I have not bought new clothes for ages.

    Oh well...
    Save £12k in 2019 - #68 £9.396.36/£7,000 134.23% total
    Save £12k in 2020 - #20
    OS Grocery Challenge 2020 target £0/£3k 0% so far
    Mortgage Free Wannabes 2020 #37
    MFIT T5 No 2 £42,188/£59,998 or 70.32% paid after Q3
    My DFD is here
    • Karmacat
    • By Karmacat 17th Jan 20, 9:47 AM
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    Karmacat
    I am an almost total fail on these.
    Short hair that I just wash and brush
    Originally posted by Suffolk lass
    Used to do that all the time - then I stopped going to the hairdresser!
    Yes I wear earrings (left in, all the time - hoops like 50p size)
    My new ambition Can I ask, why do you wear them, SL?
    Never wear make-up - just some lip-salve if it is cold dry or windy and they feel dry.
    On that level, moisturiser is essential, I can't bear the feel of itchy skin without it.
    I do wear specs that frame my eyes but if I wear mascara my lashes touch the inside of the lens and stripe it.
    To be honest, I'd really like to see that
    Rarely pick up a scarf and always wear comfortable shoes or walking boots (usually with jeans and a hoody!).
    A scarf is kind of a medical necessity for me, because of the aftereffects of the shingles in my jaw.
    I don't give it a thought what others think of my appearance. I just think of the warmth, comfort and content of the meeting.
    And in one sense, I agree. But nor do I want to give the impression of being so infirm that a young woman leaps up off her seat to offer it to me. And (I'm digging right down now, SL!) where do the earrings and occasional mascara come in? You're doing some things for yourself, right? I know my self image hasn't caught up with my reality, but ... I'd like to look "better" (for complex values of "better") than I do. For me.
    Apart from underwear (which I don't like to be knackered), I have not bought new clothes for ages.
    Thats what I was on about the other day - I bought a warm coat to go to Norway, and a multipack of socks, thats it though I *had* just stocked up on underwear
    Oh well...
    That about sums it up
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • apple muncher
    • By apple muncher 17th Jan 20, 10:00 AM
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    apple muncher
    I consider myself to be very low maintenance!



    No make up - it irritates my skin. Occasional earrings for 'occasions' - so once or twice a year then! Poshed up for parents evenings with a jacket, possible scarf and smartish shoes.


    Otherwise, comfy rules!
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage £3,000 ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 17th Jan 20, 10:08 AM
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    wishingthemortgaheaway
    SL, I was a bit like that - I don't give a jot really what other people think of me, no body ever commented negatively, but they didn't comment positively either. (Which I know contradicts what I said earlier about being accountable to others, it's hard to explain how compartmentalised my thinking is sometimes / I'm an odd bod. )

    But I was feeling fed up, frumpy and unkempt and was just buying the same clothes over and over again - I guess I was bored. The style day was in 3 parts - the colours you should wear, how to do make up (I've never been taught so actually had no idea and I'm 37!) and the style of clothes that suit & flatter me. But it was the 'be finished' that really struck me.
    So today:
    (Taking Pickle into the city to pay his Christmas cheques into the bank and spend a toy shop voucher)

    Hair, brushed back simple pony tail
    Simple Gold stud earrings
    90sec makeup (but the lippy's rubbed off already)
    Natural wood necklace (my go to favourite)
    Clothes all in my neutral colour apart from my mustard scarf- which is a wow colour for me and adds a pop
    Then my neutral coloured flat, comfy, waterproof boots.

    So, minimal effort, but 'finished'
    And now I shall stop clogging up Karma's thread!
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
    • apple muncher
    • By apple muncher 17th Jan 20, 10:20 AM
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    • 75,054 Thanks
    apple muncher
    And the Marty Quant exhibition sounds wonderful. Dd is dong 'the swinging 60s' in history and did a hwk on fashion - and MQ figured highly.
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage £3,000 ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • Karmacat
    • By Karmacat 17th Jan 20, 10:21 AM
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    Karmacat
    SL, I was a bit like that - I don't give a jot really what other people think of me, no body ever commented negatively, but they didn't comment positively either. (Which I know contradicts what I said earlier about being accountable to others, it's hard to explain how compartmentalised my thinking is sometimes / I'm an odd bod. )
    Originally posted by wishingthemortgaheaway
    And I think thats why we're commenting - working on our appearances for *ourselves* - we all know thats how it should be, and its starting to be, actually, but its still in flux a bit.

    Your thing about negative/positive comments got me thinking here - (imagine a big paragraph deleted here). I know what it is! I want to look like **me** again - because I don't, not at all. I've adjusted my self image to an age-appropriate one, yes, but there's still a lot missing.

    ....Then my neutral coloured flat, comfy, waterproof boots.

    So, minimal effort, but 'finished'
    And now I shall stop clogging up Karma's thread!
    Thats a nice example of the "finished" thing, thanks for that

    And you're not clogging up - the reality is that I started it, with this woman who gave me her seat on the tube!


    ETA - I was too young for the full-on swinging sixties, so it was a bit of news to me too. Fancy it being hwk! Good to know though
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
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