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  • FIRST POST
    • Karmacat
    • By Karmacat 2nd Jan 18, 3:38 PM
    • 29,165Posts
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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!

    Retired August 2016
Page 24
    • Karmacat
    • By Karmacat 6th Mar 18, 10:16 AM
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    Karmacat
    I'm glad your SiL is keeping in touch a bit, CBC. The whole photos thing is an issue at our age, isn't it, when you don't have children. Well, lots of things, actually.

    I have wanted some things, and a few photos, but I don't want lots of physical photos, I really don't - I have a tin of my own, almost a cubic foot, stashed with my own, and thats almost it. I'll keep the very old ones (a couple of dozen from 100 years ago or so, from *all* branches of the family) and put them in one of the genealogical folders I got from my mum's stash. Then the next generation can sort it out when I turn up my toes

    Not opening the post ... sigh ... it started off with Tim Ferriss, The Four Hour Working Week, when he recommended just opening your post twice a week, simply for the sake of efficiency. Then when I got really ill, that slipped to once a week, especially as I realised how long infections can linger on postal material and I've never pulled it back. But really, unless I recognise an envelope to be personal, I'll keep it to once a week, I'm content with that. Monday afternoons. Healthy walk with the council group is in the morning, do the post in the afternoon to set me up for the week. There we go
    Retired August 2016
    • beanielou
    • By beanielou 6th Mar 18, 10:30 AM
    • 53,900 Posts
    • 213,268 Thanks
    beanielou
    I have a list today.
    three things on it.
    Three phone calls.
    Hopefully I will do at least 2 before I venture out.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Karmacat
    • By Karmacat 6th Mar 18, 12:10 PM
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    Karmacat
    Thanks for that, beanie. This is why chatting and sharing is so important, and mse is so wonderful - I've really beaten myself up about having to screw myself up to make even personal type contacts over the years.

    No more

    I've been tidying so the Asda delivery can get through the door easily - lo and behold, their little lorry just turned up
    Retired August 2016
    • beanielou
    • By beanielou 6th Mar 18, 4:26 PM
    • 53,900 Posts
    • 213,268 Thanks
    beanielou
    I want to report that I made all three phone calls
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Karmacat
    • By Karmacat 7th Mar 18, 9:28 AM
    • 29,165 Posts
    • 166,429 Thanks
    Karmacat
    Well done beanie!

    Erm, I haven't done anything further on the phone calls or emails I was *supposed* to do ... but I have phoned and texted to others I'll take what I can get, I suppose

    Overdid it yesterday though I swept up at the front from all the fence panel destruction - leylandii, ivy, moss and broken bits of fencing, it wasn't pretty. After all the running about inside the house, though, it was too much, and I felt really sick. So nothing much was done after that yesterday.

    Today, my sister's popping along, we're going to share out my mum's artwork, since I've now scanned it. She's then off on a walk to a panoramic viewing spot near the south coast, but I'm not well enough to go along

    I'll make a vow here. As long as my sinks and toilets are hygienic, nothing else matters except getting well and building some stamina. Nothing.
    Retired August 2016
    • beanielou
    • By beanielou 7th Mar 18, 1:04 PM
    • 53,900 Posts
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    beanielou
    Please take care.
    Enjoy seeing your sister xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Karmacat
    • By Karmacat 7th Mar 18, 1:48 PM
    • 29,165 Posts
    • 166,429 Thanks
    Karmacat
    Will do, beanie, that's my absolute focus from now on, don't care about anything else.

    Visit was lovely
    Retired August 2016
    • themadvix
    • By themadvix 8th Mar 18, 9:53 AM
    • 1,638 Posts
    • 9,594 Thanks
    themadvix
    Ooh, if the panoramic view was where I think, then it's lovely! You'll have to go next time when you're feeling better.

    I hope your to-do list today involves cups of tea and GoT (if you're not up-to-date yet with that!) and nothing else!!
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • beanielou
    • By beanielou 8th Mar 18, 11:43 AM
    • 53,900 Posts
    • 213,268 Thanks
    beanielou
    Hope that the sun is out in your neck of the woods
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Karmacat
    • By Karmacat 8th Mar 18, 1:28 PM
    • 29,165 Posts
    • 166,429 Thanks
    Karmacat
    Ooh, if the panoramic view was where I think, then it's lovely! You'll have to go next time when you're feeling better.
    Originally posted by themadvix
    Definitely I'll go next time

    I hope your to-do list today involves cups of tea and GoT (if you're not up-to-date yet with that!) and nothing else!!
    I had my routine medical appointment today, so busier than I'd have liked ... and I've rewatched all the GoT episodes I have maybe I'll check out the convention panels on youtube

    Hope that the sun is out in your neck of the woods
    Originally posted by beanielou
    Hi beanie the sun *was* out, but there are big cumulus clouds darting across the sky.

    Today - finishing off organising the patchwork/material stash, that will free things up, plus getting all the paper safely into the recyling bin. There's quite a lot The washing machine is coming to my aid as well
    Retired August 2016
    • michelle09
    • By michelle09 9th Mar 18, 9:43 AM
    • 777 Posts
    • 4,277 Thanks
    michelle09
    Sounds like a good vow KC, just trundle along at your own pace. Better than doing too much and ending up hurting yourself more in the long run!
    • carbootcrazy
    • By carbootcrazy 9th Mar 18, 11:12 AM
    • 4,706 Posts
    • 26,692 Thanks
    carbootcrazy
    Just popped in with what you might think is a strange request but I thought you wise and sympathetic folk would be the best people to ask

    I need to write the little card to accompany my brother's funeral flowers today and I'm totally stumped by what to put. I've been on various websites that list suitable sentiments but I can't see anything that fits the bill. Has anyone any advice to offer please? There isn't much room on the card and I don't want anything too OTT given our fractured relationship in later years. Something a bit unusual might be a good idea, a quote or a couple of lines from a poem maybe.

    I'm tearing my hair out over this and have left it to the last minute as usual

    Any advice very welcome. Thank you
    Make £10 A Day Challenge 2018: Jan-Apr: £757.05+. May: £1209.25


    Original Debt: £56804 (@02/13). Now: £9998
    . Under £10K at long last.
    • Cheery Daff
    • By Cheery Daff 9th Mar 18, 12:09 PM
    • 8,123 Posts
    • 40,040 Thanks
    Cheery Daff
    You could just put something straightforward like 'In our thoughts' CBC? Not too sentimental. I had a similar issue with my nan's funeral flowers recently (we didn't have a fractured relationship, but weren't hugely close) - I agonised but in the end nobody even looked at the card and I now can't remember what I put I know my auntie (nan's daughter) just put 'treasured memories' on hers.
    • Karmacat
    • By Karmacat 9th Mar 18, 4:30 PM
    • 29,165 Posts
    • 166,429 Thanks
    Karmacat
    I've only just come on here, CBC, after you posted - but that's great feedback from Cheery. Definitely something simple - the standard has been "with love" I suppose, but "in our thoughts" is lovely, its both true and covering the many ambiguities of fractured times. I hope you've managed to get something that feels right to you.

    This latest journey back to my mum's house, we found the results of our agonies over this very topic. Who do "the family" flowers get sent from? Thanks to family politics, this was a real live issue, and we wrote out three versions of the card. We found them **all** the last trip up, absolutely none of them were ever used, which, weirdly, kind of parallels Cheery's experience.

    In case things are different in your family, put your name on - some families collect them, just like the bereavement cards are collected.

    It's the 14th, isn't it? Hopefully, you've got time. Sending positive vibes in any case, its an awful time.
    Retired August 2016
    • Karmacat
    • By Karmacat 9th Mar 18, 4:35 PM
    • 29,165 Posts
    • 166,429 Thanks
    Karmacat
    I've been gathering together the money to pay for the rest of the Norwegian holiday, which includes my sister's half. It's a lotta dosh! But so well worth it

    I finally said goodbye to my green needlecord anorak from Primark **sobs loudly and demonstratively** after at least ten years. Best value outerwear I ever had, it must have cost an old ha'penny per wear, I used it so much. The cuffs were frayed, a button on the cuff detailing had fallen off, and then the zip started to go. Since it cost the princely sum of £8, I feel justified in sending it off, but I cut up the back of it to be added to the patchwork stash. I have a cushion my sister started for me that has stars made from our clothing and the green needlecord will be added to that.

    Oh, and I've just done an online purchase at the Body Shop, via SB – I use their perfume as deoderant, and £10 off a £32 purchase with free delivery was too good to miss out on. No idea how many SB points that will give me, but better than a slap in the face with a wet haddock …
    Last edited by Karmacat; 09-03-2018 at 4:42 PM.
    Retired August 2016
    • carbootcrazy
    • By carbootcrazy 9th Mar 18, 6:30 PM
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    carbootcrazy
    Thanks very much for your sound advice, Cheery and KC. I just knew this was the place to come for help with my dilemma


    I think SIL is expecting there being lots of flowers and wreaths. My brother had lots of friends. All his former work colleagues from various jobs stayed in touch even when they retired. Schoolfriends, even from Primary school, have stayed close for decades. Everyone he ever had any sort of relationship with stayed in touch with him for life. All except me, of course. I've never seen anyone receive as many Christmas cards as they did every year


    It's a cremation and as my brother had a wonderful garden and loved flowers they have asked for the floral tributes to be taken to the house after the service. They'll be spread out on a sort of big terrace/patio so the family can see them from all the back windows and enjoy them. I expect all the cards will be collected and viewed by lots of people so I feel I need to get mine right.
    Make £10 A Day Challenge 2018: Jan-Apr: £757.05+. May: £1209.25


    Original Debt: £56804 (@02/13). Now: £9998
    . Under £10K at long last.
    • Knit Witch
    • By Knit Witch 10th Mar 18, 12:43 AM
    • 3,427 Posts
    • 31,257 Thanks
    Knit Witch
    CBC hoe about something like "Remembering all the good times."?
    V3ry - £389.60
    • earthgirl
    • By earthgirl 10th Mar 18, 10:08 AM
    • 1,991 Posts
    • 22,321 Thanks
    earthgirl
    Karma, I like your vow. Sometimes I don't think my toilets and sinks make it to that standard haha!!
    15/5/12 Paid off Mortgage 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset in 2014) Jan 16 - £67, 852 (£26,550 offset in 2015) Dec 16 - £33,529 ( £34,323offset in 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687 Mar 18 -£8524
    Kids savings 13,578/36k
    • Karmacat
    • By Karmacat 10th Mar 18, 10:15 AM
    • 29,165 Posts
    • 166,429 Thanks
    Karmacat
    Thanks very much for your sound advice, Cheery and KC. I just knew this was the place to come for help with my dilemma
    I expect all the cards will be collected and viewed by lots of people so I feel I need to get mine right.
    Originally posted by carbootcrazy
    I hope you're okay, CBC - I absolutely understand about the cards thing. My sister attaches a lot more importance to them than I do, and thats okay. But even *I* think that funerals are important to get right.

    CBC hoe about something like "Remembering all the good times."?
    Originally posted by Knit Witch
    That's really nice.

    Karma, I like your vow. Sometimes I don't think my toilets and sinks make it to that standard haha!!
    Originally posted by earthgirl
    I bet they do! We all do what we can, when we can. Its doing too much thats the problem (not that I ever do too much cleaning ).
    Retired August 2016
    • Karmacat
    • By Karmacat 10th Mar 18, 10:22 AM
    • 29,165 Posts
    • 166,429 Thanks
    Karmacat
    So, I've had a bit of an admin/finances time since my purchase of the Body Shop perfumes yesterday.

    1. I made a Healthy Supplies purchase - lots of ashwagandha herb, which someone on here recommended (you know who you are ) and I recently saw an article about it being included in a patented skin cream, so I'm up for that.

    2. Paid cc. Boring but necessary.

    3. Paypal were offering me £5 to use them for a new supplier. So I did - Newly rediscovered paypal account and I needed some gas cartridges for my sweet little camping stove, so between the £5 voucher and the £5 I'd forgotten about, the gas cartridges cost me fourpence each

    4. Paid the full amount owing for the Norwegian holiday. I think the SB points I already received may only have been for the deposit, I'm not quite sure. This could be quite fun

    5. SB emailed me confirming I'll get 224 points for my Body Shop purchase ... thats about £2. Which helps.

    6. Email from the woman who wanted to use my photographs for the cat book: do I want my website included. Thats a more difficult decision than it sounds, because the **writing** isn't as fun as the looking-at-cute-cat-pictures. So I'm going to ask her to use my facebook page web address, or maybe flickr, which I'll therefore feel better about using more.

    Thats it, my admin is done for the day Just hobby time now
    Retired August 2016
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