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  • FIRST POST
    • earthgirl
    • By earthgirl 27th Nov 13, 2:36 PM
    • 2,472Posts
    • 20,319Thanks
    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 3
    • Daisychain1
    • By Daisychain1 5th Jan 14, 7:56 AM
    • 212 Posts
    • 1,626 Thanks
    Daisychain1
    A happy new year to you too EG. Hope you all had a wonderful time,

    Good luck with the mortgage reduction in 2014
    • earthgirl
    • By earthgirl 6th Jan 14, 11:56 AM
    • 2,472 Posts
    • 20,319 Thanks
    earthgirl
    Thanks Daisy Chain! Youtoo!

    I have been having a good few days here money wise. I have got some free business cards for my tutoring, and I learnt how to make my own wordpress website, and although this took me two days to perfect, I feel its a valuable skill, as I cann adjust it as I like, and make other websites if I need to in the future. Its already listed in google at 5th position for my main keyword (only loaded it yesterday, so that's a good start!) More work needed on this though!

    I also got an interest payment from having the mortgage op money in a savings account before we moved house, and also a small interest payment from our current account, so I rounded that up to £100 and made my first op of 2014!

    I also cut my own hair, and it looks really nice (VERY SURPRISED!). Even oh thinks it looks nice.

    So here is my 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
    -promote new tutoring website
    - put tutoring info in local shop/ community centre
    - 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.
    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 6th Jan 14, 1:44 PM
    • 1,997 Posts
    • 11,282 Thanks
    museumworker
    Just caught up on new diary - congratulations on amazing sounding new home! Sure you'll have that mortgage nailed in no time. Good luck with the job hunt.
    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 6th Jan 14, 2:04 PM
    • 2,472 Posts
    • 20,319 Thanks
    earthgirl
    Thanks museumworker! Great to hear from you. We are all very very happy here hope you are well too!

    Just a quick post to say I have a refund from energy provider in last home, so I have overpaid another £200 yey!!
    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 11th Jan 14, 11:24 AM
    • 2,472 Posts
    • 20,319 Thanks
    earthgirl
    Hi All,

    working hard on my money saving projects here. I have managed to scrub the big bathroom carpet down (don't want to replace it). I also did a meal plan, we should finish the left over cheese from new year today! I spent £26 at the shops this week, and still have stuff left for next week too. I have attached my buggy board and now want to challenge myself to walking up and down to nursery at least once per day, instead of using the car.

    I have made a king sized sheet out of an old duvet cover, fingers crossed it will fit!

    In terms of money making, I still have promotion work to do on my tutoring business, and I have been working really hard on ohs business (and hopefully will get some grants too) so we should benefit from that soon,

    £15 from energy switch, and cashback back from mortgage deal, so have OPed £415 today, and our home account is looking very healthy too.

    I am trying to challenge myself to do one big money saving job per day, one cleaning job per day, and work on ohs business once per day at nap time. So far its been working well and I have felt more balanced and less frustrated if I have to stop something after 10 mins because of the children, I know I'll get to it later.

    Have a great weekend everyone!
    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 16th Jan 14, 8:22 PM
    • 2,472 Posts
    • 20,319 Thanks
    earthgirl
    Hi All,

    Haven't updated for a while, too busy with this walking into the village lark! I have discovered it takes me about 20 mins to get there, its less than a mile, but up hill. I have been doing it once per day so that should half my tiny petrol spend. I'd love to give the car up all together, but that's for another day...

    Home made king sized sheet is brilliant. I might do another one, but not a necessity at the moment.

    I went into Glasgow on Wednesday - what a friendly city!! Everyone was so nice and helpful. I returned a few items that were too small for ds1, and now have a credit voucher for £42. I'd like to get all ds next batch of clothes next year (4-5 boys) using just vouchers and gifts - they get so much!!

    I took a trip to Glasgow as I needed to get ds2 chicken pox vaccination. Not cheap at all, but the possibility of the children passing on shingles to oh is high, and he is now our only wage earner!

    I have distributed my tutoring flyers in the obvious places in the village.

    I have done hardly any household tasks in the last two days, but I have done some stuff on OHs business, and it looks like a story I wrote about it might be published in the local paper - fingers crossed.

    We took a walk down our road at the weekend, and the beautiful coast line and castle down there just reminded me of how lucky we are to live here. I saw lobster pots too, and have been wondering about catching lobster in the summer??

    Result - looks like we are getting £200 compensation from mortgage company for the way they handled our application.

    Still to do:

    - Locate a free lobster pot and patch it up, research how to use it for summer.
    - stop drinking wine, read alchemausterity for tips!
    - collect logs
    - make paper briquettes
    - sort out ds1s clothes to make them last longer.
    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 19th Jan 14, 5:37 PM
    • 2,472 Posts
    • 20,319 Thanks
    earthgirl
    Hello all,

    Great Great news - all my work on promoting my tutoring business has paid off and I have my first client very close, who wants to book 10 lessons to start with, but hopefully will go on for months!

    I am hoping that this will be the start of some word of mouth in the area.

    I spent £53 at the shops (but went 11 days without a shop before that). I also did a meal for 8 adults last night and it was fairly cheap - just kept the food really simple, not much meat (sheperds pie) but loads of nicely prepared veg.

    I have sorted ds1's clothes and have had a small bag handed in from SIL of aged 4-5 clothes (next size up). He now has about 8 t shirts, two jeans, 2 pyjamas, a winter coat. He will need trainers and sandals for the summer, pants, vests, possibly socks, more trousers maybe another 4?, 4 jumpers and shorts. I can make the shorts and pjyamas, but everything else I should be able to get as presents or with vouchers. I find it useful to plan what I'll need, so when people ask what I need I can say "jumpers aged 4-5 please!"

    Other exciting news - we now have a log burner, so I have been out collecting sticks today (didn't find logs ) and I'd like to challenge myself to get up early everyday and go out for a jog, coming back with a log or two.

    I picked blackberry leaves to make tea with later - first time - so I am hoping this will work and I can stop buying fruit tea bags. I can try nettles when the new growth starts.

    Looks like I am going to get registered to teach in Scotland, but have more forms to fill in and £18 to pay

    Thanks to Alchemausterity I have been really good at not drinking wine, and buying some purple grape juice has helped. Another £2 on my shopping bill, but so much cheaper than a bottle of wine a night!

    Things to do (trying to knock one off the list per day)
    - complete teaching registration documents
    - Locate a free lobster pot and patch it up, research how to use it for summer.
    - collect logs
    - make paper briquettes
    - make house sign (paint a big rock and put the house name on it!)
    - sewing tasks (hair bobbles and other bits)
    - clean carpets again and keep asking ds1 to go (ds1 going backwards with toilet training when tired)
    - organise xmas presents for 2014 and plug the gaps if I see any bargains.
    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
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 19th Jan 14, 6:16 PM
    • 3,938 Posts
    • 36,297 Thanks
    Secret Saving Squirrel
    Hello,

    You are back on the mfw path with a vengeance! Very impressed by your focus. Have a good week,

    Squirrel x
    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
    • SmlSave
    • By SmlSave 19th Jan 14, 8:45 PM
    • 4,702 Posts
    • 16,360 Thanks
    SmlSave
    Gosh EG, you're keeping yourself busy!


    Well done for keeping up with the walking to the village, especially with it being a hill - just think of how toned you'll be.


    I hope your new client is nice
    Boy Smllet born 23/06/2011 and Girl Smllet born 01/03/2014

    5 year challenge to pay off £20,000
    £350 per month challenge
    • earthgirl
    • By earthgirl 20th Jan 14, 10:39 PM
    • 2,472 Posts
    • 20,319 Thanks
    earthgirl
    Thanks squirrel and smlsave!

    Had a not so good day today. Problem with oh business, out of my control, but I still tried to spend all day controlling it anyway! This means I have hardly got anything else done, and didn't walk up to nursery, and I got stressed with the kids. Grrr! mad at myself and the other company involved.

    Also local paper now decided not to run a story they promised to. And had to pay another £18 plus £10 for a transcript on top of the £145 I have already paid to try to register to teach in Scotland. I am not sure that its worth it!

    I was waiting in for a reupholsterer as the removal company ripped our sofa and need a repair quote. He rang at the last minute to say he couldn't come, so I need to rebook him. Grr...

    I was feeling uptight so I have reverted to type and wrote out a big list. Best thing to do is try to get some sleep and work on my plan a bit more tomorrow.

    Opportunities:
    - make ohs business better for later on in the year by doing things right and well instead of rushing desperately around 'cause I don't have enough time!
    - work on the assumption that I have already got funding for a new website and just design it.
    - be nice to the kids tomorrow
    - get back on track with one thing from each of my lists from tomorrow
    - re book the reupholsterer

    Sorry to post in such a negative way, its just been one of those days!!
    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 20th Jan 14, 10:40 PM
    • 2,472 Posts
    • 20,319 Thanks
    earthgirl
    Gosh EG, you're keeping yourself busy!


    Well done for keeping up with the walking to the village, especially with it being a hill - just think of how toned you'll be.


    I hope your new client is nice
    Originally posted by SmlSave
    Thanks and great to hear your news - how quickly time flies!!
    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 21st Jan 14, 7:26 AM
    • 5,041 Posts
    • 39,592 Thanks
    Alchemilla
    Hugs Earthie. Teething problems.
    So have you got aged 3-4 clothes to get rid of? *broad hint*
    Turns out I wasn't allowed to link to my blog.

    Please PM me if you would like to read it.
    • SmlSave
    • By SmlSave 21st Jan 14, 11:12 AM
    • 4,702 Posts
    • 16,360 Thanks
    SmlSave
    I hope you have a sunny and nicer day today EG.
    Boy Smllet born 23/06/2011 and Girl Smllet born 01/03/2014

    5 year challenge to pay off £20,000
    £350 per month challenge
    • museumworker
    • By museumworker 21st Jan 14, 5:55 PM
    • 1,997 Posts
    • 11,282 Thanks
    museumworker
    We're here for moans as well as cheers! Hope you had a better day today.
    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
    • Courgette
    • By Courgette 21st Jan 14, 7:55 PM
    • 1,710 Posts
    • 17,715 Thanks
    Courgette
    Wow Earthy! Busy!

    My mum has a lobster pot but think it might not be worth the petrol! ;-) Have you tried just asking the local fishermen if they have an old one?
    A reminder to myself: Persistence Pays Off
    Mortgage 1: £95,000 £78,900 at 3.1%
    Mortgage 2 (BTL): £83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): £3000 Plus 6 months emergency savings earning 3%
    • earthgirl
    • By earthgirl 21st Jan 14, 9:59 PM
    • 2,472 Posts
    • 20,319 Thanks
    earthgirl
    Hugs Earthie. Teething problems.
    So have you got aged 3-4 clothes to get rid of? *broad hint*
    Originally posted by Alchemilla
    Ohh sorry I don't as ds2 is 17 months old but catching up fast!!
    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 21st Jan 14, 10:04 PM
    • 2,472 Posts
    • 20,319 Thanks
    earthgirl
    Wow Earthy! Busy!

    My mum has a lobster pot but think it might not be worth the petrol! ;-) Have you tried just asking the local fishermen if they have an old one?
    Originally posted by Courgette
    I haven't I'm too shy Will do that tomorrow I promise!
    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 21st Jan 14, 10:14 PM
    • 2,472 Posts
    • 20,319 Thanks
    earthgirl
    Much better day today!

    Tutoring went well, I am stealing someone else's market up here, so I offered the first lesson free on my website, so I didn't get paid, but I put lots of effort into it and they want to book at least 10 lessons, so I am really happy.

    Got some cleaning done, and did a shop which included 6 bottles of wine, and food for guests staying at the weekend for £80 which wasn't too bad. But oh's nephew has arrived for two nights, and they have currently drank 3 bottles of the wine, and he is a bottomless pit and has had 3 meals tonight! So I might have to go back to the shops later on this week. Also got an expensive weekend planned, with guests staying Friday - Monday. Friday night I am cooking, need to think about breakfasts and lunches, and we are going out for tea. On Sunday we are having a takeaway too. Ouch!
    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 26th Jan 14, 10:05 AM
    • 2,472 Posts
    • 20,319 Thanks
    earthgirl
    Hi All,

    Just a quick update! I have had various bits of money in from energy providers and cashback for switching again so I have overpaid £240 today - not bad considering I don't have any income as of yet!

    We are having friends to stay which is lovely. It has not been as expensive as I'd thought, and I have decided to cook tonight rather than get a takeaway, and our meal bill wasn't too high last night.

    I have applied for a teaching job but not in my subject so I probably don't have a chance, but it was a 0.4 contract in one of my degree subjects, so I thought I'd give it a go. I also spotted quite a few other jobs I could apply for so I'll try and do one application per day.

    I have taken ds1 out of nursery for the afternoon I was paying. I was feeling quite bad about it, but then I thought I am crazy - he learns much more with me walking on the beach and making things etc than at nursery, and he still goes for 4 afternoons.

    Blackberry leaf tea is going well, as is making lemon tea by keeping back some of the lemon when basting my one fish dish of the week.

    I have been foraging for logs, and found a large supply of fallen wood in a nearby forest I also found loads of jews ear mushrooms which can be used in pasta omlettes etc.

    Big List of things to do:

    - Work on OHs business (going quite well)
    - one bit of cleaning per day
    - apply for one job a day

    Other things to do:
    - locate a lobster pot (still haven't spotted a fisherman!)
    - rebook upholsterer (cancelled again)
    -collect logs
    - make paper briquettes
    - make house sign (paint a big rock and put the house name on it!)
    - sewing tasks (hair bobbles and other bits)
    - clean carpets again and keep asking ds1 to go (ds1 going backwards with toilet training when tired)
    - organise xmas presents for 2014 and plug the gaps if I see any bargains.
    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 26th Jan 14, 10:19 AM
    • 5,041 Posts
    • 39,592 Thanks
    Alchemilla
    More detail on sewing tasks please?
    Turns out I wasn't allowed to link to my blog.

    Please PM me if you would like to read it.
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