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  • FIRST POST
    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 11:39 AM
    • 3,069Posts
    • 23,142Thanks
    smallholdingsister
    smallholdingsister's strivings
    • #1
    • 10th Aug 15, 11:39 AM
    smallholdingsister's strivings 10th Aug 15 at 11:39 AM
    Righto, so as Ed says later (ooh I can time travel!) One can't rebrand oneself on MSE. However...
    I do feel - and partly because of the experiences of another MFW who was getting somewhat robust criticism for not being hard core enough - that, well, I'm not nearly hardcore enough.
    So here I am. 43. Mortgage due to expire when I'm 55.
    I am going to try for getting rid of it by 50. Including a move to a smallholding as that's what I am aiming for (no s h i t!).
    I am planning a LOT of storecupboard challenges and a LOT of fiscal fasts.
    Here goes!
    Last edited by smallholdingsister; 10-08-2015 at 6:00 PM.
Page 136
    • Karmacat
    • By Karmacat 14th May 17, 9:22 AM
    • 27,236 Posts
    • 146,524 Thanks
    Karmacat
    Respect! I couldn't do that even when I was doing mse work full tilt!
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • smallholdingsister
    • By smallholdingsister 14th May 17, 5:37 PM
    • 3,069 Posts
    • 23,142 Thanks
    smallholdingsister
    Thank you. I have moderated two centres today - well one centre for two qualifications.
    • ljaneyr
    • By ljaneyr 14th May 17, 6:30 PM
    • 1,130 Posts
    • 6,805 Thanks
    ljaneyr
    Wow SHS! I've just caught up and am thrilled to read your news! Fingers crossed it all goes smoothly for you

    Janey x
    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett

    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund... what renovation fund? Emergency fund 40% Future fund... ongoing...
    • smallholdingsister
    • By smallholdingsister 14th May 17, 6:36 PM
    • 3,069 Posts
    • 23,142 Thanks
    smallholdingsister
    Thank you xxx
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 14th May 17, 9:23 PM
    • 3,817 Posts
    • 35,284 Thanks
    Secret Saving Squirrel
    You are on fire! Good luck with the mortgage application and the moderating. I am marking for two different boards but not teaching so hope it will not be too onerous. I remember marking and commuting and it was hell. Very good news about the move going so well.
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • earthgirl
    • By earthgirl 14th May 17, 9:37 PM
    • 2,218 Posts
    • 17,882 Thanks
    earthgirl
    Wow 23 items! Amazing! Good luck for mortgage x
    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 )
    April 17 £33,710
    Kids savings 13,578/36k
    • edinburgher
    • By edinburgher 15th May 17, 8:32 AM
    • 10,593 Posts
    • 54,924 Thanks
    edinburgher
    Not really checking diaries at the moment, but will just take a minute to pop in and say that I'm so happy for you that your house has sold SHS, well done

    Ps. I managed to list a grand total of 1 item on eBay - luckily it sold the same day as it was a new but non-returnable item that I discounted by 10% vs. Amazon
    • smallholdingsister
    • By smallholdingsister 15th May 17, 6:53 PM
    • 3,069 Posts
    • 23,142 Thanks
    smallholdingsister
    Thanks Earthie and Ed.

    Many a slip betwixt cup and lip!
    • EatingTheElephant
    • By EatingTheElephant 16th May 17, 6:51 AM
    • 895 Posts
    • 4,507 Thanks
    EatingTheElephant
    Fantastic progress SHS, you certainly have your hands full at the moment.
    • greent
    • By greent 16th May 17, 5:03 PM
    • 5,818 Posts
    • 58,764 Thanks
    greent
    Ive been sending off coursework and papers the last few days at work- I do wonder when I'm attaching the address labels whether any of them will end up with any MSE-ers I 'know'

    Hope ebay sales go wonderfully
    x
    Repaid mtge early (orig end 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 up: BTL Mtge 12/16 Bal £69786. 2017 OP target (#18) £2000/£3286
    Net sales 2017 £457.00/£500 PAYDOX17 £9435/£10k Decluttered 750/2017 items
    • smallholdingsister
    • By smallholdingsister 16th May 17, 8:42 PM
    • 3,069 Posts
    • 23,142 Thanks
    smallholdingsister
    Another centre done today. 12 to go.

    We had the forms through about the purchase. Work is being done on our behalf.
    • smallholdingsister
    • By smallholdingsister 18th May 17, 7:22 PM
    • 3,069 Posts
    • 23,142 Thanks
    smallholdingsister
    Another centre done. Mortgage paperwork posted to catch the post on Saturday hasn't arrived.
    • earthgirl
    • By earthgirl 19th May 17, 8:47 PM
    • 2,218 Posts
    • 17,882 Thanks
    earthgirl
    Hope it turns up! Glad everything except the post is going your way.
    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 )
    April 17 £33,710
    Kids savings 13,578/36k
    • EatingTheElephant
    • By EatingTheElephant 20th May 17, 6:39 AM
    • 895 Posts
    • 4,507 Thanks
    EatingTheElephant
    Hope it turns up soon. You would think things would be more electronic these days.
    • smallholdingsister
    • By smallholdingsister 20th May 17, 7:35 AM
    • 3,069 Posts
    • 23,142 Thanks
    smallholdingsister
    The solicitors are doing everything by email, but not the BS.

    I was off yesterday, slight damage to my cornea and an eye infection, I had to get it looked at before the medics closed for the weekend. I called the BS and they have found my form and are all over it.

    It seems I might have six weeks to go before we move. Aarrgghhh!

    What do I need to do?!
    • apple muncher
    • By apple muncher 20th May 17, 7:48 AM
    • 5,850 Posts
    • 42,688 Thanks
    apple muncher
    Six weeks! Yay and Yikes in equal measure!

    Take care of that eye. And finish your moderating. And write lots of lists, eat well, and get enough sleep.
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • EatingTheElephant
    • By EatingTheElephant 20th May 17, 8:06 AM
    • 895 Posts
    • 4,507 Thanks
    EatingTheElephant
    Yes all of the above! Hope the eye is better soon. Decluttering beforehand was really the greatest asset for us. The few drawers that I had folded KM style just lifted out into boxes and then back in the drawers at the other end. Very speedy
    • smallholdingsister
    • By smallholdingsister 20th May 17, 9:01 AM
    • 3,069 Posts
    • 23,142 Thanks
    smallholdingsister
    Good advice. I think we will have them pack. Getting quotes in half term which is a month prior to the loosely planned move date. Is that too late?

    I realise its more like 5 weeks now.

    Top advice, chaps.
    • Karmacat
    • By Karmacat 20th May 17, 9:14 AM
    • 27,236 Posts
    • 146,524 Thanks
    Karmacat
    Have them pack by all means (I did that on my last move 7 years ago) but make sure about the ground rules. When I unpacked, I found that the only mug that had been used to store something else (a little silver decanter chain) was chucked into the most valuable thing in the kitchen, a crystal engraved mug. It wasn't scratched, but I was *not* amused.

    Decluttering beforehand is my advice too (and if you can manage it, declutter the big stuff *before* they come round to quote you for removal). And if you can't, make sure they know which bits won't be coming with you
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • XSpender
    • By XSpender 20th May 17, 10:07 AM
    • 2,480 Posts
    • 25,926 Thanks
    XSpender
    If you do decide to pack yourself look on gumtree and freecycle for packing boxes that people have used themselves and are giving away. We paid pennies for some big strong boxes from a trendy trainer shop that were ideal and made it so easy for the movers to pick up and load/unload. We packed all our stuff and only 1 small item of little value was broken. I got packing paper and tape off amazon or eBay a lot cheaper than the removal company were going to charge. If you use newspaper everything needs washing again when you unpack.

    Declutter now as already mentioned and don't forget the loft and garage! it took us longer to clear the garage than it did to pack the rest of the house. Pot up any plants you are taking from the garden.

    I would get a couple of quotes if you can, the difference between the 2 quotes we got for exactly the same service was hundreds.
    PAYDBX 2017 #99 from 1/6 - £0.00/£10,000
    Total Owed £39,547.78 May '17 Total owed now £38,210.10
    Savings goal £500 - £325
    DFD - May 2021 goal Feb 2020
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