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  • FIRST POST
    • Karmacat
    • By Karmacat 2nd Jan 18, 3:38 PM
    • 30,083Posts
    • 174,470Thanks
    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
Page 82
    • carbootcrazy
    • By carbootcrazy 7th Nov 18, 6:05 AM
    • 5,266 Posts
    • 30,079 Thanks
    carbootcrazy
    Interesting on the cashback, I didn't know about that, CBC, thanks.
    Originally posted by Karmacat
    It wouldn't have been any use to you though, KC, it was for people signing up for home deliveries for the first time. There's no other cashback for subsequent purchases. The month's free delivery code which came directly from Asda was a nice bonus though especially as it costs me the best part of a gallon of petrol to visit their nearest store. That's why I'd never had much to do with them previously. I know there can be minor problems with substitutions and use-by dates but home deliveries for rural-dwellers like me are brilliant
    Original Debt: £56804 (@02/13). Now: £8097. Sub £9000 at long last.
    • Karmacat
    • By Karmacat 7th Nov 18, 9:26 AM
    • 30,083 Posts
    • 174,470 Thanks
    Karmacat
    A fox, how fab! Do you hear it barking at night? I just love that sound, it reminds me of living in the country when the kids were little. Happy times
    Glad felt well enough to get out for your walk xx
    Originally posted by pinkypig
    Hi PP I haven't heard this particular one, but I've heard them in the past - I have a little nature reserve (just a floodplain for the local stream, but its very wild, it looks like a mangrove swamp ) there are plenty around.


    It wouldn't have been any use to you though, KC, it was for people signing up for home deliveries for the first time. .... I know there can be minor problems with substitutions and use-by dates but home deliveries for rural-dwellers like me are brilliant
    Originally posted by carbootcrazy
    Good to know though - I'm tutoring my brother in MSE ways with offers and things, and he's prepared to get into TCB because his eldest son uses them so this will help, ta muchly.

    As for home deliveries - I don't know what I'd have done without them, I really don't, even while I was working. I do know, actually - I'd have had to get a taxi both ways, and for the number of years I've **had** to use them, just to cope, that would've cost thousands of pounds. Small matters like use-by dates are just that, minor problems, as you say.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Karmacat
    • By Karmacat 7th Nov 18, 9:33 AM
    • 30,083 Posts
    • 174,470 Thanks
    Karmacat
    So today, I have a list. Not guaranteeing I'll even try to do it all, but I'd like to:




    - open post, oh yeah, its been sitting there again

    - washing machine on, but the weather's bad. Maybe putting it next to an open window will be good enough

    - phone computer genealogy person at U3A, meeting on Friday, I've not paid yet.

    - put away shopping. I give it a wipe down, so this hasn't been done yet.

    - shortbread. I noticed the other day on here how much my stock of flour needed using up, and I'm thinking shortbread might be a good way to do it

    - garden, well, not gardening, but chopping up the cut leylandii branches to put in the bin for Friday.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • themadvix
    • By themadvix 7th Nov 18, 2:00 PM
    • 2,004 Posts
    • 11,518 Thanks
    themadvix
    The fox sounds amazing - how lovely that he's come back again

    Thanks for the tip about SBs - I've just claimed a £25 voucher and through the spins got a swag up for 950SBs!

    Mmm.... shortbread.... that is all!
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • the cross rabbit
    • By the cross rabbit 7th Nov 18, 2:13 PM
    • 227 Posts
    • 1,324 Thanks
    the cross rabbit
    mmmm another one for shortbread , but dunked in a glass of milk.
    Mortgage £82,000, due to end July 2036. 4/11/18 Mortgage £79,872.13
    • Karmacat
    • By Karmacat 7th Nov 18, 2:14 PM
    • 30,083 Posts
    • 174,470 Thanks
    Karmacat
    I just hope I haven't frightened him away ... both times, his jumps from a standing start were *really* high! I wouldn't fancy it out there right now, the rain is sometimes coming down something fierce ...

    Not doing too badly on my list:
    1. washing machine done, everything's hanging up, existing stuff that was dry is packed away.
    2. Phoned U3A genealogy person - ahem, she's not the contact any more, and I don't have the phone number etc of the new one, so I'll turn up on Friday with cheque book in hand. So thats two local acquaintanceships reinforced.
    3. **Ridiculous** amount of tidying done - how does it need this much when I've been tidy? Bah humbug


    ETA - ooh, the shortbread's popular. Right, I'll get to it
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Karmacat
    • By Karmacat 8th Nov 18, 10:42 AM
    • 30,083 Posts
    • 174,470 Thanks
    Karmacat
    Morning! Well, I did do the shortbread - hmm, I physically can't cream butter and sugar together, though, so I put it in the microwave on v v low for 30 seconds, hey ho. It cooked, in my halogen (don't use my actual oven, its *that* rubbish) but I'm really glad it didn't have eggs in, I'm not sure I'd have trusted it. It'll probably be better this morning. This kind of result is why I don't really cook, and certainly don't inflict what I *do* cook on anyone else

    Cloudless sky with 0% chance of rain, says my app I've got to fit those leylandii prunings in the bin today.

    SB running in the background, thats okay.

    A lot more dented tins discovered from my Asda order - hadn't found them all by the time I phoned for a refund, I'll just use those ones in the next few days. I don't think I'll order tins from Asda if I don't need to use them within the week, its really not worth it.

    Free Ancestry "weekend" - for WWI, but its not, not quite, its better I was looking for an elderly gent born in 1853, died in 1927, and I also got his nephews, the latest Electoral Register I accessed being 1970 fine by me! I never looked at electoral registers on paper, so its great they're online.

    Today, I'm going to sort my mobile and maybe my broadband contract. My mobile piggybacks off my broadband at home anyway, because that service is so bad in my area - good riddance.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Karmacat
    • By Karmacat 8th Nov 18, 11:31 AM
    • 30,083 Posts
    • 174,470 Thanks
    Karmacat
    Just been to Martin's mobiles page - bless the man, he kickstarted a revolution all on his own I've ordered a free sim from giffgaff, I know now that they don't piggyback on Three, which was my main concern, and its the same deal that my friend who just moved to Glastonbury uses (though he sort of lives in Italy now ). All good. I've used EE O2 in the past, but it was before I moved here, so better go back and check the coverage here.

    Dishwasher is on.

    SB videos zipping in and out on my phone, still giving me points for nothing.

    I need Second Breakfast before I start on the leylandii ...








    ETA - checked, all good.
    Last edited by Karmacat; 08-11-2018 at 11:38 AM.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • the cross rabbit
    • By the cross rabbit 8th Nov 18, 3:58 PM
    • 227 Posts
    • 1,324 Thanks
    the cross rabbit
    Hi Karmacat, we all with giffgaff including my mum and the best thing about them is if you phone someone who is also on giffgaff its free.
    CRx
    Mortgage £82,000, due to end July 2036. 4/11/18 Mortgage £79,872.13
    • Karmacat
    • By Karmacat 8th Nov 18, 7:24 PM
    • 30,083 Posts
    • 174,470 Thanks
    Karmacat
    Thanks CR, thats good news - I can think of a couple of people who might eventually cross from where they are, it's a real bargain compared to mainstream things.

    Some of the leylandii are chopped and in the bin, and twigs and branches for the next bonfire are sorted, as well as some leaves to gently decompose.

    One of the SB apps is *still* pootling on in the background, and along with a weirdly highly rewarded survey I'm only 4 points, read it and gawp, 4 points from yet another £10 voucher, which will award me another 950 points. I find it compelling, fascinating, and utterly, completely ridiculous


    And oopsie, the free Ancestry info has swallowed my afternoon apart from the above. Never mind, you can allow stuff like that to happen when you're retired, even if things aren't perfect.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Karmacat
    • By Karmacat 8th Nov 18, 8:56 PM
    • 30,083 Posts
    • 174,470 Thanks
    Karmacat
    Last bit of mse work for me today: just managed to get *another* £10 Amazon voucher (by the skin of my teeth - disqualified for 3 surveys, for a total of 3 points ) and once again I've been credited with 950SB I find it very odd that theyll hand out that number of points like smarties when they make us scrabble for a single one at other times. Such is life.


    Have a good evening all
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Karmacat
    • By Karmacat 9th Nov 18, 9:51 AM
    • 30,083 Posts
    • 174,470 Thanks
    Karmacat
    Yesterday wasn't bad, though I must get to bed a bit earlier - like Pinky, its always a good thing.

    Today:
    - open the dratted post!
    - cook beans, do this first.
    - phone call, not a problem one.
    - put the washing on.
    - SB
    - off to my afternoon meeting of this computer-genealogy group, and hope I can pay on the day, otherwise I'll be straight back
    - important to do something physical every day, so I'll work on the front a bit, whether its leylandii or gathering fallen leaves, nice mulch next year for the garden.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • themadvix
    • By themadvix 9th Nov 18, 10:14 AM
    • 2,004 Posts
    • 11,518 Thanks
    themadvix
    Have a good day! Computer-genealogy sounds interesting - how to make the most of what's out there?
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • rtandon27
    • By rtandon27 9th Nov 18, 2:01 PM
    • 2,308 Posts
    • 14,798 Thanks
    rtandon27
    ah - the dreaded washing - lol

    I've got a second load on and am trying to put away the four from last week - problem is most of it needs ironing (work cloths & OH shirts) so that won't get done today...

    I'm working from home today, but the dratted work connection is being glitchy so I just have to walk away periodically - lol

    Also had to order a new vacuum cleaner as OH managed to damage the integrated hose/handle on the old one (I know the right thing to do is be thankful that he cleans, but really?!?) - it's been discontinued (the vacuum not OH) and so have the parts (once again the vacuum and not himself) so out of luck there - it's about 10 years old so not bad for what I think was about 80 quid. How time has moved on from the old bagless ones - we are graduating to a lightweight rechargeable stick vac with accessories & a carpet cleaner - I have a hard time believing it will suck up anything but the reviews are amazing so I've just got to have faith in consumer opinion! Gone are the days of dragging the 'pet on a leash' around the house to clean up!
    Last edited by rtandon27; 09-11-2018 at 2:16 PM. Reason: contemplating what life would be like if I traded OH in for a new model - rofl
    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 9th Nov 18, 9:08 PM
    • 30,083 Posts
    • 174,470 Thanks
    Karmacat
    ah - the dreaded washing - lol

    I've got a second load on and am trying to put away the four from last week - problem is most of it needs ironing (work cloths & OH shirts) so that won't get done today...

    I'm working from home today, but the dratted work connection is being glitchy so I just have to walk away periodically - lol
    Originally posted by rtandon27
    Ooh, no commute! Excellent! And yes, my washing hangs around for much too long too - I don't quite trust it being dry ...


    Also had to order a new vacuum cleaner as OH managed to damage the integrated hose/handle on the old one (I know the right thing to do is be thankful that he cleans, but really?!?) - it's been discontinued (the vacuum not OH) and so have the parts (once again the vacuum and not himself) so out of luck there - it's about 10 years old so not bad for what I think was about 80 quid. How time has moved on from the old bagless ones - we are graduating to a lightweight rechargeable stick vac with accessories & a carpet cleaner - I have a hard time believing it will suck up anything but the reviews are amazing so I've just got to have faith in consumer opinion! Gone are the days of dragging the 'pet on a leash' around the house to clean up!
    Vacuum cleaners seem to be amazing these days, though yes, in a way I'd rather have a pet on a leash I understand the benefits of the stick, but in my head, it reduces me to dragging about the dirt its just sucked up. I'd be really interested to know how you find it



    Glad you haven't traded in OH that would be a shame
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Karmacat
    • By Karmacat 9th Nov 18, 9:13 PM
    • 30,083 Posts
    • 174,470 Thanks
    Karmacat
    Have a good day! Computer-genealogy sounds interesting - how to make the most of what's out there?
    Originally posted by themadvix
    Sort of that's what it should be, I think. What it actually is, is people working on their own stuff side by side, with a bit of nattering thrown in. For "a bit of nattering" read "newcomers who smile too much being glommed onto by monologuists". One of them was very personable, and also took a hint after a while, as well as having **really** interesting stories to tell, but the other one was deadpan awful. Luckily, the first one interrupted her One or two are quite elderly, and can't cope with downloading stuff, so I did it for them and sent it to them by email.

    It was all a bit odd, actually. But it is local people interested in an interest of mine, so I'll stick at it for now.

    No gardening done, I got back too late. And I still haven't opened the post, its turning into a contest of wills between "should" and "don't wanna"
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Karmacat
    • By Karmacat 9th Nov 18, 9:53 PM
    • 30,083 Posts
    • 174,470 Thanks
    Karmacat
    £15 Amazon vouchers from SB added to my account Happy Christmas


    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • beanielou
    • By beanielou 9th Nov 18, 9:59 PM
    • 58,162 Posts
    • 239,948 Thanks
    beanielou
    £15 Amazon vouchers from SB added to my account Happy Christmas


    Originally posted by Karmacat
    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. MFW 2018. No 144
    • earthgirl
    • By earthgirl 10th Nov 18, 7:47 AM
    • 2,222 Posts
    • 24,392 Thanks
    earthgirl
    Happy Christmas!

    Geanology group might grow on you? Its good that it's local.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again
    Kids savings 13,578/36k
    2k Monthly buffer 2k/2k 5k Travel savings £3203/5k
    • rtandon27
    • By rtandon27 10th Nov 18, 8:55 AM
    • 2,308 Posts
    • 14,798 Thanks
    rtandon27
    Ooooo - Amazon vouchers - always a well appreciated reward!

    Popping in to report that our new vacuum will be arriving today !?! a complete surprise as it said 3 to 5 days! was contemplating a duct tape job on the old one to do a bit of hoovering!

    Guess I should mentally prepare to send the old one to its grave - tell me I'm not the only one who feels sad to get rid of old trusty & true reliable goods? Maybe it is something from across the pond where we buy something sturdy and expect it to last forever
    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!
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