Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 11:39 AM
    • 3,091Posts
    • 23,230Thanks
    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 3
    • Watty1
    • By Watty1 12th Aug 15, 5:27 PM
    • 2,713 Posts
    • 18,962 Thanks
    Watty1
    Sounds ideal. As soon as Most Handsome is properly going again I'll find a riding club
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • smallholdingsister
    • By smallholdingsister 12th Aug 15, 6:01 PM
    • 3,091 Posts
    • 23,230 Thanks
    smallholdingsister
    A quieter day today.
    Still we collected DH's car ftom the menders, mowed, pruned, mucked out two cars...
    In money news NSD. Day #1 of storecupboard challenge.
    Actually tomorrow will be spendy. Haircuts, school shoes x3.
    Today I am grateful for
    * a bit of down time
    * I have a cleaner car
    * blackberries are getting ripe
    * a lie in. Sort of.
    * puppylove is still exhausted so less than usually annoying!
    • HelenDaveKids
    • By HelenDaveKids 12th Aug 15, 9:22 PM
    • 3,167 Posts
    • 21,117 Thanks
    HelenDaveKids
    My first visit to shiny diary.. xx
    Morgage till Nov 30 GOAL MFW Sept 2016
    Aug 11 - £100k Aug 2016.... It's GONE!!!!!
    2014 GOAL HIT 5 Stone! 2016 GOAL to be a MF marathon runner.
    "A goal without a plan is just a wish"
    • smallholdingsister
    • By smallholdingsister 13th Aug 15, 6:18 AM
    • 3,091 Posts
    • 23,230 Thanks
    smallholdingsister
    Nice to see you, Helen.

    God Bless and keep all those families who are involved in A level results day today.

    • Karmacat
    • By Karmacat 13th Aug 15, 9:24 AM
    • 27,244 Posts
    • 146,666 Thanks
    Karmacat
    From me too ... it means everything at the time ...
    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 13th Aug 15, 4:28 PM
    • 3,091 Posts
    • 23,230 Thanks
    smallholdingsister
    Well hope everyone with A levels got what they needed.

    So proud of DH. His department's results were LEGENDARY! A blizzard of A*s, As and Bs. Yay for state education.

    A very spendy day but to save money I have
    * packed drinks, snacks and coffee for our morning out.
    * tipped the hairdresser with money I found in the car
    * avoided paying for parking
    * bought garden edging from B&M instead of the garden centre
    That's all I can think of!
    • AlexLK
    • By AlexLK 13th Aug 15, 10:26 PM
    • 5,637 Posts
    • 28,980 Thanks
    AlexLK
    Some great results there. What does your husband teach?

    As for state education, I never thought a lot of it until looking into the best option for my son's first school. More or less since birth his name had been down on the list for him to attend my old prep school. However, he was very reluctant about school and we started looking into the two local village schools. We found our village school to be a really supportive environment for our son and one where every child is known as an individual (there's just under 30 children aged 4-11). Anyhow, to cut a long story short, we ended up choosing the village school where he will start in September. The whole experience so far has really started to change my views on state education.
    Last edited by AlexLK; 13-08-2015 at 10:29 PM.
    Savings 2017: £2000. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • greent
    • By greent 13th Aug 15, 10:50 PM
    • 5,821 Posts
    • 58,809 Thanks
    greent
    Oooh - hello newbie


    Well done to DH - good teachers are a godsend DD has the most fantastic and inspirational Eng Lang teacher who is so passionate about his subject - am sure she will carry memories of him for many years


    xx
    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 14th Aug 15, 7:08 AM
    • 3,091 Posts
    • 23,230 Thanks
    smallholdingsister
    Thanks greent. Good news for your DD.

    Alex I am all too aware it isn't perfect. We made the hard choice to remove ours from the village school/pre school system because this particular school was failing DD1 (they predicted her a 4a in Maths SATS. I knew she was a 5B on an average day since I had actually been teaching her some maths...
    Anyway it did one thing well, which was make them feel safe. So very important.

    DH teaches Law.

    Estate agent coming today to prepare the new listing. Unaccustomed as I am to housework...
    • newgirly
    • By newgirly 14th Aug 15, 8:25 AM
    • 5,610 Posts
    • 38,444 Thanks
    newgirly
    Teachers can make such a difference, my dd had such a great english teacher she still keeps in contact and goes to visit and do talks for her current students. Well done and thanks to all of you stars who have helped our kids acheive so much
    MFW 21
    Target for 2017 £38,545 / £10,784 paid so far

    Mortgage £49,452 4 years 10 months left. Total owed £69,512 planning to clear in 18 months
    Weightwatchers target - 29.5 lb start date 11/5/17 so far 5.5lb lost
    • smallholdingsister
    • By smallholdingsister 14th Aug 15, 8:44 AM
    • 3,091 Posts
    • 23,230 Thanks
    smallholdingsister
    That's nice that she still goes back.
    • apple muncher
    • By apple muncher 14th Aug 15, 9:15 AM
    • 5,861 Posts
    • 42,778 Thanks
    apple muncher
    Well done DH - awesome results!!
    NST May #18; NSD 19; Ex 17; craft 71; 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
    • LauraJo
    • By LauraJo 14th Aug 15, 10:34 AM
    • 1,002 Posts
    • 5,610 Thanks
    LauraJo
    Mr smallholding should be proud
    (not sure if most men want to be referred to as 'smallholding tho )
    Mortgage starting balance 2011 ... £170k today £1.5k
    Savings: £3k
    Aim: 100k by Dec 2021
    • CathT
    • By CathT 14th Aug 15, 10:55 AM
    • 5,135 Posts
    • 35,341 Thanks
    CathT
    Hope EA visit goes well. That's the worst thing about house being on the market. It always needs to be clean and tidy!
    June 2010 £121,287
    May 2017 - part 1 - £81,782
    -part 2 - £46,814
    Total - £128,596
    • smallholdingsister
    • By smallholdingsister 14th Aug 15, 11:26 AM
    • 3,091 Posts
    • 23,230 Thanks
    smallholdingsister
    My multiquote buttons have disappeared.

    Laura that sounds like our pub landlord who until he went self employed had the corporate email address "SmallboneR".

    Cath I am so not a lover of housework! Stopping for a breather then back to it.
    • smallholdingsister
    • By smallholdingsister 14th Aug 15, 8:18 PM
    • 3,091 Posts
    • 23,230 Thanks
    smallholdingsister
    Just about got the house up together.

    Decluttering progress lately:
    * my car. A massive job
    * the pantry. Another massive job. And painted it.
    * the pile of carp behind the sofa
    * the kitchen. Repeatedly.
    * the DD2 room of doom.
    • gallygirl
    • By gallygirl 14th Aug 15, 10:08 PM
    • 16,342 Posts
    • 106,972 Thanks
    gallygirl
    Fantastic results, well done hubby
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • smallholdingsister
    • By smallholdingsister 15th Aug 15, 6:19 AM
    • 3,091 Posts
    • 23,230 Thanks
    smallholdingsister
    Off to a show today...hope the weather is kind.
    • apple muncher
    • By apple muncher 15th Aug 15, 7:04 AM
    • 5,861 Posts
    • 42,778 Thanks
    apple muncher
    Have a fun day. Hope weather is decent and everyone behaves...
    NST May #18; NSD 19; Ex 17; craft 71; 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
    • CathT
    • By CathT 15th Aug 15, 7:43 AM
    • 5,135 Posts
    • 35,341 Thanks
    CathT
    Have a fantastic day.
    June 2010 £121,287
    May 2017 - part 1 - £81,782
    -part 2 - £46,814
    Total - £128,596
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,486Posts Today

8,245Users online

Martin's Twitter
  • Beware the hidden £1,000s parents aren't told they must pay for University fees. My new FT column https://t.co/gDOyZDMCr9 (free to read) RT

  • Who do you think came out best in the Corbyn v May battle tonight?

  • Clever by Paxman; subtly testing out "strong & stable" by focusing on u-turns on Brexit view, social care, self employed tax & election date

  • Follow Martin