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    • earthgirl
    • By earthgirl 27th Nov 13, 2:36 PM
    • 2,447Posts
    • 19,730Thanks
    earthgirl
    Like a Bat out of Hell - EG takes a chance.
    • #1
    • 27th Nov 13, 2:36 PM
    Like a Bat out of Hell - EG takes a chance. 27th Nov 13 at 2:36 PM
    My new diary is so named as the first morning we woke up in our new house after running out on our old life, we all ended up dancing around the living room playing air guitar to this tune. DH and I had a bit of a moment as reality set in!

    We decided fairly quickly to move on from our old secure little life, with reasonably secure income and no mortgage, to take a chance on our dream house by the sea. With a bit of stress and 'homelessness' in the middle we now the owners of a lovely family home on the west coast of Scotland. We had savings of about £250,000 thanks to mse and this board in particular, we have spent about £20,000 on the move itself, and now have to pay off £147,500 for our new mortgage.

    Only problem is we have little income as I gave up my job and dh is remodelling his business, but we have lots of positivity and determination!

    I'd like to set a target of paying it all off in ten years. I'd like to pay off £10,000 in the next 12 months.

    Off we go....

    old diary here http://forums.moneysavingexpert.com/showthread.php?t=3978475
    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 )
    June 17 £32,053 Sept 17 £22,619
    Kids savings 13,578/36k
Page 69
    • themadvix
    • By themadvix 29th Sep 17, 2:43 PM
    • 1,058 Posts
    • 5,918 Thanks
    themadvix
    I use bamboo charcoal from these people: . It takes a while to filter, so I fill the jug up the night before. Water tastes fine afterwards (ours tastes disgusting otherwise, especially in tea!). You boil the charcoal once a week (*ahem* monthish) to release all the toxins and it can keep being used for 'a while' (can't actually remember when I last changed ours, but it's mainly for taste, rather than concerns about content!). Requires some planning but I really didn't want the water stored in plastic (as it would be in a water filter).
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • earthgirl
    • By earthgirl 30th Sep 17, 6:05 PM
    • 2,447 Posts
    • 19,730 Thanks
    earthgirl
    Yes also have a plastic aversion but I sn bad at hydration so need to find an easy balance.

    Very cheap easy day. My local council were offering free kids sports club this morning (only one other family went, because I told them about it) and free swimming this afternoon at a new pool (again about ten people there, pretty shocking!) NSD and good fun too.

    Have relaxed a bit too much since coming home, and need to get my butt in gear. Have a couple of friends coming for drinks and a catch up later. Have got to make crackers as I forgot to buy. Apparently they are easy

    I've been great st working towards all my goals. New diary system and planning out my day on a morning had helped. I've also tried running on the beach a couple of times and loved it. Interval training proving the best for maximum workout in minimum time. I've managed a work around got s new sports bra (two specific bras at once!) although I might have to buy one more pair of leggings (wear the leggings to work and sports bra and dress, then pull off the dress put on s tshirt and trainers, and I can run/shower and change in 40 mins lunch break)
    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 )
    June 17 £32,053 Sept 17 £22,619
    Kids savings 13,578/36k
    • Karmacat
    • By Karmacat 30th Sep 17, 6:39 PM
    • 27,841 Posts
    • 152,570 Thanks
    Karmacat
    "I have a routine" has always sounded potentially quite dodgy to me, but eventually I realised that it frees up decision making and thinking, and you can get on with stuff and let your mind go where it wants I like that your new planning system sounds like it will work towards that too.

    Have a lovely time with your friends. Let us know how those home made crackers go
    Retired August 2016
    • museumworker
    • By museumworker 30th Sep 17, 10:26 PM
    • 1,942 Posts
    • 11,008 Thanks
    museumworker
    Hi Earth girl, really interested in your diary format. Is this something you designed yourself or bought/downloaded? Having a visual daily check might help me meet my goals.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • smallholdingsister
    • By smallholdingsister 1st Oct 17, 5:30 PM
    • 3,391 Posts
    • 26,455 Thanks
    smallholdingsister
    How is it going with your epic b n b guest?
    • earthgirl
    • By earthgirl 2nd Oct 17, 7:09 PM
    • 2,447 Posts
    • 19,730 Thanks
    earthgirl
    Hi Earth girl, really interested in your diary format. Is this something you designed yourself or bought/downloaded? Having a visual daily check might help me meet my goals.
    Originally posted by museumworker
    I have tried to take a picture but I can't post it. Everyone will be different it my current favourite is a week over 2 page a5 diary. I write the following in on a Sunday morning. At the side of each day a tick list for (4 circles to cross out) water, (5 circles to cross out) fruit, goals (I've read my goals) meal, weather. There is a bring, do and buy list. Also a gratitudes area that I write down what I'm grateful for each day. Also a day plan (am/pm/eve) where I plan what I'll do.
    Hard to describe! It all fits in though.

    How is it going with your epic b n b guest?
    Originally posted by smallholdingsister
    Brilliant he is so lovely and out from 7am to 7pm. Eats all meals at work and doesn't seem to need anything from us. We are so lucky!
    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 )
    June 17 £32,053 Sept 17 £22,619
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 2nd Oct 17, 7:30 PM
    • 2,447 Posts
    • 19,730 Thanks
    earthgirl
    Lovely frugal weekend. My friends over on Saturday was good, and oh went out to see his friends as well. I have my next night out planned to a friends house in a month or so. Thinking it's good to be social even if I feel like snuggling under a blanket!

    Figured out a way to get wifi in a good place to work for £1. Ive tried a community centre and the wifi didn't work, but by the time I'd figured it out my lunch time was over. £2 per week is ok to assure I get time to work on ohs business in peace.

    I've done my interval training today on the beach with the kids. It was great. Ive planned out 3 times where I am normally child free to do it per week.

    Opportunities:
    Keep up my mini weight training at work
    Keep drinking water
    Keep focusing on low cost wifi and working in my lunch hour
    Keep listing on eBay and cleaning as per routine.

    Lots to juggle but very happy.

    Very funny was listening to a podcast by a working mum on time msngemt -well respected in her field. She had a nanny till 8pm so she could get everything done and have one to one time with each child. Thought I'd get some tips, certainly not having a nanny till 8pm!!!
    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 )
    June 17 £32,053 Sept 17 £22,619
    Kids savings 13,578/36k
    • pinkypig
    • By pinkypig 2nd Oct 17, 8:36 PM
    • 641 Posts
    • 5,957 Thanks
    pinkypig
    Just popping in to say I've finished your diary and it's brilliant, as are your achievements. You've made me reassess my approach to many things - thank you

    Well done on the exercise, healthy eating and water targets. Its a battle sometimes but the benefits are beyond measure. Its central to my wellbeing and I achieve so much more in other areas of my life when I'm mentally and physically fit. Can't believe it took me so many years to figure out that if you achieve the latter, the former just slots itself into place

    They very best of luck with all your plans.

    PP xx
    • earthgirl
    • By earthgirl 5th Oct 17, 7:13 PM
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    • 19,730 Thanks
    earthgirl
    Thanks pinky. I have to admit, I'm still making myself do the health stuff, rather than it being the way I live. I'm getting there though.

    I made 5 salads on Sunday and have enjoyed having them every day for lunch. Water consumption has tailed off, Need to up this. Have been running twice this week already, have one more to do, but enjoying it.

    Have had to give in on the fruit for kids snacks ds1 realised he could spend his lunch money on snacks at break and then just get s sandwich - not the desired outcome! So I've got popcorn and a few not too bad snacks for break. Another push up on the grocery budget though.

    Groceries came in at £38 this week. We have all we need for a week except more milk next week.

    Feeling a bit tormented about ds1 He knows some of his things are not as good as others (football boots are not a make, football keeper gloves are too big hand me downs). I don't want to spoil him but I don't want him to feel others are better than him. I know it's not about things but I can't seem to explain it to him. Not sure what to do but I've been do frugsl with him for so long I feel that I could get him things now...or is that spoiling him and a slippery slope to hell?!!
    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 )
    June 17 £32,053 Sept 17 £22,619
    Kids savings 13,578/36k
    • Karmacat
    • By Karmacat 6th Oct 17, 10:44 AM
    • 27,841 Posts
    • 152,570 Thanks
    Karmacat
    Football keeper gloves the right size - there's no way that that's spoiling him, earthgirl! He can't do his best in those, and he'll feel it, sorry!

    And fruit for snacks - particularly if they've got a growing surge, or their bodies are preparing for one, its just not enough - I've seen a ten year old have a cheese salad sandwich and a buttered scone for elevenses after a cooked breakfast, I kid you not! They need fuel for all the growing they need to do

    I hear you on tailing off with drinking the water it's a pain, isn't it - you describe it perfectly, making yourself do it rather than it becoming a lifestyle. Sigh ...
    Retired August 2016
    • Hiddenidenity
    • By Hiddenidenity 6th Oct 17, 1:53 PM
    • 5,049 Posts
    • 22,929 Thanks
    Hiddenidenity
    I definitely don't think that is spoiling him. I think 'spoiling' them only becomes 'spoiling' when they don't appreciate what is given. My DS is 8 and doesn't have a lot of 'names' however I expect the hand me downs to be treated and appreciated just the same as the branded items.

    They know they can't just ask and get and that sometimes that takes X amount of days/weeks to 'work' for etc.

    I hope that makes sense

    Do what feels right to you x
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • greent
    • By greent 6th Oct 17, 1:57 PM
    • 6,296 Posts
    • 63,763 Thanks
    greent
    I second the correct size keep gloves - the too-big ones will still come in handy at a future date, after all As to the non-brand boots - I'm not that much of a fan of paying for names - if they fit well and do the job, great I can't remember how old DS1 is?
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Next: BTL Mtge 12/16 £69786. 2017 OPs (#18) £4607/£3286
    Net sales 2017 £1202.80/£500 PAYDOX17 £11635/£10k Decluttered 1650/2017 items
    • Poorlittletightgirl
    • By Poorlittletightgirl 6th Oct 17, 2:18 PM
    • 29 Posts
    • 85 Thanks
    Poorlittletightgirl
    I dread the day that labels and 'keeping up with the Jones' becomes an issue. I remember being disgusted by Netto bags and desperate for Ad1das tracksuit bottoms as a teenager, yet my parents struggling for money when we were young and being 'spoilt' by close family members on special occasions really instilled in my Sister and I a sense of appreciation for everything. I agree with Hiddenidentity and I'm sure your kids will have that appreciation. I think as well these days there is so much cheap, fast fashion around (not that I wholly agree with this), that brands don't have to be as important. you can get decent stuff, similar to top brands from Primani and Sp0rts D1rect.
    • pinkypig
    • By pinkypig 7th Oct 17, 7:24 AM
    • 641 Posts
    • 5,957 Thanks
    pinkypig
    Firstly, don't beat yourself up, you're doing this to secure their future but parental guilt is a terrible thing

    Mine are much older so its probably not the same but I try and compromise. I buy sports kit out of season (sports direct and Decathlon are great and have amazing sales). I've got cricket boots, base layer and cricket pads at 70% off sat in a cupboard for birthdays and Christmas.
    If we are buying footie boots, trainers, jeans etc they have a sensible amount to spend and it they want the expensive stuff they use there own money to make up the difference.
    Good luck, its a tricky one but don't forget that what children really need (even if they don't know it!!!)is parents who love them and who give them the priceless gift of time and attention.
    • earthgirl
    • By earthgirl 7th Oct 17, 7:47 PM
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    • 19,730 Thanks
    earthgirl
    Thanks for the advice. Ive decided to get him new keeper gloves from sports direct. His next football boots I'll do what pinky suggested and set an amount before going.

    ds1 turned 7 in August. He's started styling his hair and doesn't believe in santa this week. He is growing up so fast!

    I have been so frugal with them for so long it just feels strange buying them things.
    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 )
    June 17 £32,053 Sept 17 £22,619
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 7th Oct 17, 8:23 PM
    • 2,447 Posts
    • 19,730 Thanks
    earthgirl
    Great days yesterday and today. On balance a good week really. Managed to work on ohs business 5 hours this week. Got myself organised and managed a run at work on Friday too. Had a cheap date night with oh yesterday with a Otis on voucher.

    Today £2 spent on treats taken to lunch out at a friends, also attended a free kids event in the village this morning and another free event in a nearby town (mobile planetarium, amazing!)

    Was thinking about the variety of activities the kids do all because a friend and I look for free activities to do each weekend! In sept we did pond dipping, bug catching, picnics, parks, campfires, scavenger hunt. October has started strong with free sports taster session, park, picnic, as well as today's planetarium trip. I love spending the time with them doing so many random (free!) things. Soon I guess they'll ditch me in favour of their friends so I'm enjoying this!

    Enough rambling!

    Im putting food budget up to £40/ week. That's still only £10 each.

    Health:
    Eat mindfully.
    Organise myself to eat healthily (this made s big difference last week eg pre made salads for lunch all madeon sunday- they'll be more I can do)
    Drink 8 glasses of water
    Exercise 5 times per week (weights)
    Run 3 times per week

    Wealth
    Food budget of £40 per week
    Get bnb rom ready when required
    Work on ohs business 5 hours per week
    Finish all banking and Filing tasks
    Stage 1 of business (still not done, must prioritise on a morning)

    Life well lived
    Plan activities each weekend (get all cleaning etc done during the working week)
    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 )
    June 17 £32,053 Sept 17 £22,619
    Kids savings 13,578/36k
    • museumworker
    • By museumworker 7th Oct 17, 10:43 PM
    • 1,942 Posts
    • 11,008 Thanks
    museumworker
    I love the sound of all your free activities, sound much better than if you had the same paid for groups week in week out!
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • earthgirl
    • By earthgirl 9th Oct 17, 12:46 AM
    • 2,447 Posts
    • 19,730 Thanks
    earthgirl
    Thanks mw. Yes they and I have definitely got more out of free activities than a reoccurring club.

    Bought the kids homie gloves today (£20 total). Have to get ds2 some if ds1 gets something (unless it’s a saved up for item). Feel ok about it and pleased he has some that fit.

    I haven’t actually spent much of my £10/weekend entertainment budget the last few weekends so the gloves will entertain them for a while.
    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 )
    June 17 £32,053 Sept 17 £22,619
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 10th Oct 17, 7:45 AM
    • 2,447 Posts
    • 19,730 Thanks
    earthgirl
    Feeling a bit low so here are my problems and opportunities:

    Went to see a friend yesterday but it didnít go as planned. Felt very deflated and lonely when leaving. Focus on the friends I do have that build me up and maybe just see this friend on social occasions. Thatís ok!

    My boss is leaving this week and my new boss doesnít like me and I donít like her. Itís not just me that say this, other staff have noticed it too. Opportunity: get the basics done and stand up for myself with her, even though I donít like conflict.

    Bought my two boys a football card collector book. One doesnít want it and the other is pretty keen but not as keen as last year. Opportunity: sell the unopened one, or if it doesnít sell, keep as a present for the next party. Not much lost really but a lesson learnt - donít guess what the kids might want, and donít buy them things so routinely.

    I need to remember my goals, and that Iím still trying to pay off the mortgage. Even more important in the light of possibly not liking my job so much in the future.

    There is a promotion opportunity in a school about 25 mins away, which will mean longer commute and longer hours for about a £12k rise. Not sure about it. This means I probably Should go for it.
    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 )
    June 17 £32,053 Sept 17 £22,619
    Kids savings 13,578/36k
    • Hiddenidenity
    • By Hiddenidenity 10th Oct 17, 10:12 AM
    • 5,049 Posts
    • 22,929 Thanks
    Hiddenidenity
    Firstly the job - Could you look into it more then decide? If where you currently work is going to be an unhappy place maybe its a sign that this job has come up and it could mean a whole easier work life on the happiness side of things than somewhere you feel unliked? Even if it is a bigger commute. Obviously the pay rise is brilliant but happiness is needed or at least being comfortable.

    If your boys are anything like mine then they will switch what they like quite often and nine times out of ten something 'they didn't want/like' will be one their favourites a few weeks down the line.

    Hope you're feeling happier x
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
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