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    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 11:39 AM
    • 3,544Posts
    • 27,512Thanks
    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 167
    • greent
    • By greent 13th Nov 17, 3:28 PM
    • 6,437 Posts
    • 64,950 Thanks
    greent
    Ugh. Off work today with a very painful back. Right between the shoulder blades. Must keep moving!
    Originally posted by smallholdingsister
    GP visit for some decent anti-inflamms? Don't rule out - if you are injured - claiming against the other person - decent massage and chiropractic therapy to sort out backs costs £££.
    Last edited by greent; 13-11-2017 at 5:16 PM.
    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) £5034/£3286
    Net sales 2017 £1226.02/£500 PAYDOX17 £11937/£10k Decluttered 1760/2017 items
    • Karmacat
    • By Karmacat 13th Nov 17, 3:43 PM
    • 28,070 Posts
    • 154,326 Thanks
    Karmacat
    Is that from the accident, SHS, or from the general super-busyness? Take care of yourself.
    Retired August 2016
    • smallholdingsister
    • By smallholdingsister 13th Nov 17, 4:57 PM
    • 3,544 Posts
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    smallholdingsister
    I think it is from the accident. I am underwhelmed by the response of the other party.

    Still no details forthcoming - I guess that is how some people are successful in business. My insurance company has all the details needed though.
    • Karmacat
    • By Karmacat 13th Nov 17, 5:08 PM
    • 28,070 Posts
    • 154,326 Thanks
    Karmacat
    As long as you've got the other party's insurance details, it'll get clear, and in the meantime you get the medical and physio help that you need, that's all there is to it. Thinking of you.
    Retired August 2016
    • michelle09
    • By michelle09 13th Nov 17, 6:23 PM
    • 395 Posts
    • 1,481 Thanks
    michelle09
    Well as long as you've alerted your insurance with their details it should be ok. Sucks that this has happened to you.
    • smallholdingsister
    • By smallholdingsister 13th Nov 17, 8:20 PM
    • 3,544 Posts
    • 27,512 Thanks
    smallholdingsister
    Oh well. The main thing is that my boy is OK.

    I am very grateful for all the sympathy and tips.xxx
    • newgirly
    • By newgirly 13th Nov 17, 9:40 PM
    • 5,867 Posts
    • 40,050 Thanks
    newgirly
    So sorry to hear about the accident, how can they just drive off! glad you got the details in the end though, take care x
    MFW 21
    Target for 2017 £38,545 / £17,514.78 paid so far

    Mortgage £47,354 years 8 months left. Total owed £62,871.22 planning to clear in 18 months
    Weight loss target 37lb/22lb gone.
    • smallholdingsister
    • By smallholdingsister 13th Nov 17, 10:03 PM
    • 3,544 Posts
    • 27,512 Thanks
    smallholdingsister
    They didn't drive off...they just didn't have the details because it was the employer's car.

    I think it is going to get sorted OK. If they deny fault I will take them to small claims as I'll lose 8 years ncb.
    • smallholdingsister
    • By smallholdingsister 14th Nov 17, 8:09 PM
    • 3,544 Posts
    • 27,512 Thanks
    smallholdingsister
    Earned another £25 tutoring and we have a second bnb guest, woohoo!
    • apple muncher
    • By apple muncher 14th Nov 17, 8:34 PM
    • 6,548 Posts
    • 47,901 Thanks
    apple muncher
    How is your back?
    NST November #; NSD 13/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 14th Nov 17, 8:49 PM
    • 3,929 Posts
    • 36,208 Thanks
    Secret Saving Squirrel
    Well done SHS. You will wipe out that mortgage in no time. And I hope you will get a payout for your injury as you have had to have time off. It is not how you would like to make an overpayment but it has happened anyway so it may as well help the cause.
    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
    • smallholdingsister
    • By smallholdingsister 14th Nov 17, 8:56 PM
    • 3,544 Posts
    • 27,512 Thanks
    smallholdingsister
    Thanks. I went to work today. Painkillers and keep moving.

    I don't think I'll be claiming anything.
    • Karmacat
    • By Karmacat 15th Nov 17, 9:42 AM
    • 28,070 Posts
    • 154,326 Thanks
    Karmacat
    The painkillers cost money. Your time and attention were diverted, which cost you time, energy and potentially money. Your travel to your GP, your phone calls to your insurance company, they cost money. You have a right to some recompense, SHS!
    Retired August 2016
    • edinburgher
    • By edinburgher 15th Nov 17, 9:48 AM
    • 10,747 Posts
    • 56,186 Thanks
    edinburgher
    Torn on this one. On the one hand, it's rotten for SHS that she has been in pain and had to use some of her limited personal time to sort out the after effects of the accident. On the other hand, the culture of 'claiming' in the UK has led to higher costs for all as the various parisitic participants in the process all take their cut from SHS' 'due'.
    • Karmacat
    • By Karmacat 15th Nov 17, 10:03 AM
    • 28,070 Posts
    • 154,326 Thanks
    Karmacat
    Absolutely agree, Ed - but when someone has had legitimate expenditure because of an accident, at the very least I think that should be reimbursed.
    Retired August 2016
    • smallholdingsister
    • By smallholdingsister 15th Nov 17, 8:36 PM
    • 3,544 Posts
    • 27,512 Thanks
    smallholdingsister
    Interesting.

    I realise my biggest problem with the bnb will be being discreet. I am not one for keeping my trap shut.

    Last parents' evening of the three tonight (as a parent) and they are all doing really well for which much thanks. We have another booking this weekend.
    • Karmacat
    • By Karmacat 16th Nov 17, 9:21 AM
    • 28,070 Posts
    • 154,326 Thanks
    Karmacat
    Ooh yes, being discreet is important! Is there an airbnb renters place for hosts, where you can let off steam? Behind a firewall!

    It's crucial in my former profession, of course, but I had a leg-up in the whole "learning confidentiality" thing - I lied to my parents so often, as a teenager, I was used to ignoring whole swathes of information
    Retired August 2016
    • greent
    • By greent 16th Nov 17, 9:41 AM
    • 6,437 Posts
    • 64,950 Thanks
    greent
    Although I mentioned it up above, I'm not one for people claiming unnecessarily (I had a young couple claim £28K from a knock from my insurance - and it was almost a both-were-to-blame case, as they took the corner early and came into my side - but that's another matter - and we were both travelling at c 10miles/ hour, as both were previously stopped) - but I think SHS has due cause here. Plus I found from an accident many years ago that it was still giving me gip several months down the line if I'd been particularly busy - it's easy to think it's all resolved in a couple of weeks, but backs are funny things )

    SHS - am sure you are going to smash this mortgage 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) £5034/£3286
    Net sales 2017 £1226.02/£500 PAYDOX17 £11937/£10k Decluttered 1760/2017 items
    • edinburgher
    • By edinburgher 16th Nov 17, 11:26 AM
    • 10,747 Posts
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    edinburgher
    Keeping your trap shut to who, SHS?
    • smallholdingsister
    • By smallholdingsister 16th Nov 17, 5:21 PM
    • 3,544 Posts
    • 27,512 Thanks
    smallholdingsister
    KC you naughty girl, you!

    Green I take on board what you say but the person paying for the insurance is not the person who did the damage IYSWIM?

    Ed guest #2 is someone I am aware of in the professional sphere. It made me think not every air bnb er is necessarily travelling with their usual partner.
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