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    • earthgirl
    • By earthgirl 27th Nov 13, 2:36 PM
    • 2,456Posts
    • 19,804Thanks
    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 2
    • earthgirl
    • By earthgirl 11th Dec 13, 5:44 PM
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    • 19,804 Thanks
    earthgirl
    Thanks for the encouragement everyone! and anybody is more than welcome to post feel like I could do with a few words of encouragement at the moment!

    Having one of those days where I can't seem to get very far, so I like to get rid of my frustration by trying to think of opportunities that I can take advantage of:

    - Problem - OH and I argued about the purchase of a (in my opinion expensive £350 and unnecessary) coffee table. Opportunity: If he really really wants it I could negotiate a little with him, reduce our going out spends etc . I hate conflict and really need him to understand and be on the same wavelength as me.

    - Problem - frustrated about form filling to apply to teach in Scotland. Opportunity- do as much as I can today after the kids in bed - just get it our of the way!, then I can start earning reasonable money for a days work.

    -Problem - frustrated and worried about how much cleaning I have to do now - 3 bathrooms and 4 toilets for a start! Opportunity. Blitz it today and tomorrow then do one big task a day from now on.

    On the upside, FIL has started digging over my veg patch, and oh has finished putting back the fence himself. We have our health and lots of opportunities to get things back on an even keel.

    Off we go!
    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
    • Alchemilla
    • By Alchemilla 11th Dec 13, 6:45 PM
    • 5,041 Posts
    • 39,592 Thanks
    Alchemilla
    It sonds like a lot of coffee table.
    Turns out I wasn't allowed to link to my blog.

    Please PM me if you would like to read it.
    • CathT
    • By CathT 12th Dec 13, 11:59 AM
    • 5,314 Posts
    • 36,494 Thanks
    CathT
    Hi EG, I'm happy you've started a new diary as your others have been so inspirational. I remember DH and I spending £625 on a coffee table and bookcase before we had the children. They have lasted really well but have since been personalised by the children!

    I will definitely be following your journey, if you can't get me back on track - no one can!
    August 2017 -
    part 1 - £79,967
    part 2 - £46,351
    Total - £126,318
    • Daisychain1
    • By Daisychain1 12th Dec 13, 4:01 PM
    • 212 Posts
    • 1,626 Thanks
    Daisychain1
    Don't stress about the cleaning. I used to be obsessed with making sure the house was emaculate but it would wear me down. No ones going to give you a medal for doing it so just do a little at a time, enjoy your home and your time with your children.

    Dc1
    • Muser1
    • By Muser1 13th Dec 13, 10:38 AM
    • 775 Posts
    • 4,091 Thanks
    Muser1
    Yay I found you! Off to subscribe. x
    Mortgage Jan 13 99260.00 87253 April 2017
    Emergency fund 700.00
    • XSpender
    • By XSpender 13th Dec 13, 10:56 AM
    • 2,634 Posts
    • 27,120 Thanks
    XSpender
    Hi

    I am long time lurker on your old diary and have just found your new one today and will be subscribing

    Congratulations on your new home and good luck with your next challenge.

    XS
    EF £1000 - £0
    • Pearla*Merle
    • By Pearla*Merle 13th Dec 13, 10:57 AM
    • 1,601 Posts
    • 9,364 Thanks
    Pearla*Merle
    Time to give everyone in the family their own toilet they're personally responsible for?

    Seriously though, I agree with Daisy - small bites as and when you can, much more important to focus on the big stuff (enjoying your super new life for a start!). Things will calm down into an easier routine in time

    PS. Very jealous of your adventure - I'm originally from Scotland, would love to move back up there and to the coast to boot. Currently I'm landlocked, it's quite strange and unnerving!
    a penny picker upper. every penny's a prisoner!
    £26.65 til OnePoll payout! Round six! | Save £7200/£15,000
    Normality is a paved road; it's comfortable to walk, but no flowers grow on it.
    Whatever you're meant to do, do it now. The conditions are always impossible.
    The only thing you absolutely have to know, is the location of the library.
    • earthgirl
    • By earthgirl 13th Dec 13, 3:01 PM
    • 2,456 Posts
    • 19,804 Thanks
    earthgirl
    THANKS EVERYBODY!

    I am loving my new adventure and new life, but I haven't really made new friends yet, so its great to come here and offload a bit, and feel a bit less alone - so thank you to everybody that posts.

    So I have come to terms with the £350 coffee table. It could have been more expensive and oh and I envisage it lasting for 10 years or so! I am sure i'll still be posting on here in ten years (saying that I have paid off the mortgage I hope !) so I will make completely sure of it!

    I have decided to apply for contribution based JSA which I probably won't get as I left my last job to relocate. I have also almost been accepted on the supply register (have to go and hand in my documents in person) and have completed the forms for teaching registration in Scotland (took a whole day).

    So I am a little happier with things. I can't understand why I get so upset about things when others are suffering so much and I am so lucky, but I guess it just all got a bit on top of me.

    I haven't got much of the cleaning done, but off to start now.

    Ideally I'd like to get my mornings back to do stuff with the children and exercise, and in the afternoons do work for oh business, followed by a bit of housework and cooking.

    We have saved money lately by meal planning and cooking, getting 'new customer' wine deals as we have moved house, and having the thermostat and heating on very low.

    Opportunities to save more -
    *drink less wine (perhaps not the best time of year to suggest this!!)
    *use less consumables everywhere (use cloths instead of baby wipes and kitchen roll, source cheap toilet roll, and I've got about one more months stash before i'll use my shop and scan vouchers for a mooncup)
    *start collecting wood from the forest near the house to season for next year, and start making paper briquettes for next year.
    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
    • icontinuetodream
    • By icontinuetodream 13th Dec 13, 3:29 PM
    • 989 Posts
    • 6,606 Thanks
    icontinuetodream
    its all very exciting!! don't worry about the wobbles...you are bound to have them when you have had such a monumental life change, but just remember that you have plenty of skills, will always be able to work and have money to fall back upon if necessary...just enjoy it and remember why you have made the move!!
    Mortgage 12.12.12 £55842 12.12.13 £42716 14.12.14 £28837 13.12.15 £25913
    Mortgage OP £50/£600 House Fund £420/£5000
    • Alchemilla
    • By Alchemilla 13th Dec 13, 5:54 PM
    • 5,041 Posts
    • 39,592 Thanks
    Alchemilla
    Have you considered home brew?
    Turns out I wasn't allowed to link to my blog.

    Please PM me if you would like to read it.
    • earthgirl
    • By earthgirl 17th Dec 13, 1:44 PM
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    • 19,804 Thanks
    earthgirl
    Have you considered home brew?
    Originally posted by Alchemilla
    No as my dad used to make it when we were younger and it was awful! He used to spend a lot of time and money on it and it was truly disgusting!

    So things are going quite well. I have been to the bank to pay in the last of my tutoring money, and that plus some other bits and bobs made it up to £500, my first proper op!

    I have been in contact with my last school to hurry along my references so that I can get registered for supply. I have to get my head around the supply, people I have met here who have done it say I will probably get offered quite a lot. I need to enjoy my time with the children more (instead of fussing and cleaning and tidying) so that I will feel ok if I take a full time supply position.

    Oh started to suggest we buy matching lamps for our new bedside cabinets, but I shot him down straight away - show no weakness - if I do he just needles away at me! WE ARE NOT BUYING ANOTHER THING!

    Still to do today to make money / save-

    - pay in cheques
    -email moving insurance claim form
    -hand deliver a few more cards
    - meal plan for the week
    - work on ohs business
    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
    • Alchemilla
    • By Alchemilla 20th Dec 13, 7:44 PM
    • 5,041 Posts
    • 39,592 Thanks
    Alchemilla
    It has honestly come on a long way!
    Turns out I wasn't allowed to link to my blog.

    Please PM me if you would like to read it.
    • earthgirl
    • By earthgirl 21st Dec 13, 8:01 PM
    • 2,456 Posts
    • 19,804 Thanks
    earthgirl
    Oh had to leave early this morning due to an employee illness and is away for a few days so I am being very sad and updating here tonight! We are hoping employee will make a quick recovery.

    Re the home brew, and considering my cooking- I think cutting back on the alcohol might be a safer bet!

    Speaking of which we have had a few wine-less nights so that is heading in the right direction.


    I have also worn through the knees of two pairs of jeans (I am always changing nappies/playing with kids/cleaning on my knees) and another pair look like they are going in the same direction. I refuse to buy more clothes, I have just unpacked boxes and boxes of my pre second maternity wear, so I here I have the impetus to slim down from a 'tight' 12 to a size ten - I have loads of jeans this size. Its too cold to wear my dresses or skirts (we normally all wear 4 layers incl 2 jumpers) so I need to slim down to a size 10 quite quickly - as soon as possible after Christmas - now that it has a money saving slant I might just do it!! I should also aim to use my bike trailer to pick up ds1 from nursery. On the days that I might have had the time, the weather has been so awful! I love watching the storms rage outside from the cosy (well with all our jumpers on!) inside of the new house.

    Some other money saving updates - I have managed to hand in and succeed at interview for supply for my subjects in this area - its all ran by the council. I have finally got all my letters and certificates through, so I can send off my GTCS application (need that to teach here).

    I have also been pretty good at doing a chunk of housework everyday - I like to think that this is money saving. The previous owners had a cleaner (which oh will try to argue to reinstate if we can't keep up) and also we had to leave our washing machine in our last house and the one left here is not great - old and simple but fine - again I don't want to buy a new one so me being in charge of and staying on top of the washing is important.

    I have also tried to do one extra 'large' money saving thing per day - so I have cut ds1 hair, and I've coloured mine, I've done a big letter to mortgage company as well for the 'two applications' problem and have asked for our first application fee back.

    Big money saving/making things still to do (one per day this week except the big day of course):
    - replant apple trees again (very stormy here)
    -redo and send off gtcs application
    - order new website for oh business
    -make more handmade thank you cards from the children so that we can give them out by hand and save postage.

    So we are all organised for Christmas - oh and I have already 'given' gifts. Most presents for others were bought from the posts on the 'grabbit' board- I've even stocked up for Xmas 2014 for female relatives anyway. Probably not very money saving to buy so far in advance, but so cheap! I just have a couple more to wrap, and the childrens to wrap later on.

    Hope everyone's plans are going ok...
    Last edited by earthgirl; 21-12-2013 at 9:36 PM.
    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 27th Dec 13, 8:16 PM
    • 2,456 Posts
    • 19,804 Thanks
    earthgirl
    Merry christmas!! Hope everyone had a good one (off to read a few diaries to find out !!)

    Ours was lovely despite a few family differences in parenting opinions! Very cheap as well . We are now back home and it Feels lovely to be back in our house although the break was good for reflection.
    Children got so much I(still have a slide and climbing frame left to unwrap!!) was glad that I just got a Big lot of second hand fireman toys from fleabay.

    Wehave family staying at the moment. I have been food shopping and it came in at 60w pounds which I think is more than usual due to having to Cook seals and breakfasts. Should get cheaper from tomorrow!!
    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
    • skint_spice
    • By skint_spice 27th Dec 13, 8:41 PM
    • 11,199 Posts
    • 23,475 Thanks
    skint_spice
    I have been food shopping and it came in at 60w pounds which I think is more than usual due to having to Cook seals and breakfasts. Should get cheaper from tomorrow!!
    Originally posted by earthgirl




    Surely not! although I thought that might save money as long as you caught your own
    mmm...still thinking, planning and plotting for aims in 2017
    • pavlovs_dog
    • By pavlovs_dog 28th Dec 13, 12:08 AM
    • 9,725 Posts
    • 23,186 Thanks
    pavlovs_dog
    Sounds like you're getting into the swing of things Earthy. Are seals a Scots breakfast delicacy?!
    know thyself

    MFW 2017 #22 - £5000 /£7,000 (71%)
    MFi3 v4 #29 target £75,000

    Nid wy'n gofyn bywyd moethus...
    • yukkibear
    • By yukkibear 28th Dec 13, 12:01 PM
    • 5,468 Posts
    • 13,946 Thanks
    yukkibear
    Happy new home, and good luck for 2014
    • Alchemilla
    • By Alchemilla 28th Dec 13, 12:41 PM
    • 5,041 Posts
    • 39,592 Thanks
    Alchemilla
    Well done on getting supply work. X
    Turns out I wasn't allowed to link to my blog.

    Please PM me if you would like to read it.
    • earthgirl
    • By earthgirl 28th Dec 13, 2:41 PM
    • 2,456 Posts
    • 19,804 Thanks
    earthgirl
    ooops!
    Surely not! although I thought that might save money as long as you caught your own
    Originally posted by skint_spice
    Sorry everybody I alarmed with my 'seal cooking', I meant meals!!

    Speaking of oddities, oh received a bell from his beloved sister. Children were enjoying ringing it until we realised it said 'ring for 'insert word here for couple getting it on' on the side of it. I will discreetly remove that before the health visitor calls!

    I have just over paid some Christmas money that I paid into my bank before Christmas totalling £500. My mum and dad and a few other relatives have therefore 'paid for' our new music system and a few other house things so I can op the cash - very kind!!

    I have also complained to a few energy companies for my ridiculous estimated bills (thank goodness I still have the note of I made of them all when we moved).

    I forgot to get my mum to cut my hair so I might have to pay for that unless I can convince another relative to do it? No colleges in the area.

    I had to buy ds1 some shoes from Cl@rks (£16) as he has grown half a size. Still they were a good price.

    I picked up some boots that were mine that I left at mums as they were too long for me, and I am going to cut and glue them shorter for my little legs. My winter boots have gone in the bin they are in tatters! I also picked up some hiking boots mum doesn't want, so I will re wax them. Mine let in water so can be binned.

    I need to recycle a duvet into a king sized sheet, and I think I will try to add some fabric onto the ends of two double flat sheets to turn them into king sized.
    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 4th Jan 14, 8:55 AM
    • 2,456 Posts
    • 19,804 Thanks
    earthgirl
    Hello All and Happy New Year!

    Just a quick update as I have to go and wake ds1 in a minute, he was baby sat last night and wouldn't go to sleep until 10pm, so he is allowed a lie in!

    I have made bread this morning and we have got a ham, cheeses and some pate left from a party on new years eve, so I am hoping that will sustain us for a while. I spent £90 at the shops last week, due to us hosting the party, so I want it to last us for a while.

    Feel like I have got so much to do so I want to make a list:
    - meal plan for the week and make shopping list
    - attach free buggy board (without clips )
    - deep clean the big bathroom - ds2 had a few aiming issues and I don't want to have to buy new carpet
    - build new tutoring website and promote
    -get tutoring business cards (free??)
    - work on ohs business
    - shop and scan
    -make king sized sheets
    - make more reusable pads (not getting a mooncup as want to save free amazon vouchers for a chainsaw)
    - return xmas presents that don't fit the boys.
    -look for and apply for jobs.

    I applied for JSA but as I thought as I left my last job voluntarily, I probably (just had to write my case out and someone is assessing) won't get any of my contributions back which is fine, worth a shot.
    Last edited by earthgirl; 04-01-2014 at 9:01 AM.
    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
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