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    • earthgirl
    • By earthgirl 27th Nov 13, 2:36 PM
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    • 19,486Thanks
    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 54
    • earthgirl
    • By earthgirl 10th Mar 17, 10:13 PM
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    • 19,486 Thanks
    earthgirl
    Last weekend was a bit of a challenge, I think too un structured for the boys, oh was also in a mood on Sunday. This weekend is more structured and I'm not going to let anything get in the way!!

    If the boys are getting on each others nerves I've got library books for them to look at in their rooms. I need to be stricter with them too, and set a reward chart up too.

    I need to clear the decks at work this week, make a massive effort to Get things back to normal levels of busyness instead of being rushed off my feet.

    2 tutees canceled this week, I've still seen 3, so $75 in. Oooh and my eBay item sold and I get a $10 voucher for selling too!

    Sorry using a tablet its not easy
    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
    • smallholdingsister
    • By smallholdingsister 11th Mar 17, 7:09 AM
    • 3,320 Posts
    • 26,034 Thanks
    smallholdingsister
    What's up with OH?
    • earthgirl
    • By earthgirl 11th Mar 17, 11:31 AM
    • 2,412 Posts
    • 19,486 Thanks
    earthgirl
    Regularly behaving like a teenager!
    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
    • smallholdingsister
    • By smallholdingsister 11th Mar 17, 12:15 PM
    • 3,320 Posts
    • 26,034 Thanks
    smallholdingsister
    Oh dear. Hope he snaps out of it!
    • earthgirl
    • By earthgirl 13th Mar 17, 10:28 PM
    • 2,412 Posts
    • 19,486 Thanks
    earthgirl
    He was fine this weekend, and is generally lovely at the moment The boys seem happy, even ds1 seems to be really improving and out of his low mood. Work MUST get better this week - I'm determined to find solutions and sort stuff out. Today was good.

    Some frugal wins this weekend - On Saturday, the boys were great and had two play dates - my strategy of heading off trouble seemed to work well. A wedding yesterday, present and card from store, and I drove so minimal spends. At the end of the night they were giving away buffet items so I had a free lunch today .

    A book OH wanted is available in the library, Mr L's had wine at £2.99 a bottle so I stocked up for oh. Other groceries came in at £29 for the week.

    I've managed to sort lots of time out tomorrow so I should get time on OH's business, plus clearing the decks at my work.

    I've got an ebay parcel to post £8 in, I did a tutoring tonight so £25 in, and we havegot a bnb booking for June.

    Taking all things on balance, life is very, very good!
    Last edited by earthgirl; 13-03-2017 at 10:30 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 19th Mar 17, 11:24 AM
    • 2,412 Posts
    • 19,486 Thanks
    earthgirl
    I wrote a big long update post last night but lost it. Never mind, big long waffling posts only help me to orer my thoughts and are not that great for everyone else I'm sure!

    Anyway, here is a quick summary of the week.

    Money In

    -Completed all 5 tutorings this week - great as I normally get some cancellations.
    - only a tiny bit of work on Ohs business - must do more next week.
    - OH had a good week at cheltnam - gave me £60 of his winnings, which I spent on the children.

    Money Out
    Winnings spent on new boots for ds1, which he needed for a school trip on Tues, various tennis equipment (they were gifted tennis club membership for xmas), and a set of wooden swords - sick of the plastic ones breaking, and lunch out for them yesterday. All stuff we might have been able to do without, but we are so frugal normally I wanted to treat them a bit. Plus hopefully the boots, tennis stuff and swords we will get lots of use out of.

    Grocery Shop was £44 this week, included a fakeaway chinese last night.

    Lunch out cost £8 yesterday, but the whole day was free apart from that - tennis lesson and swimming at a fairly local gym open day. It was lovely and really filled in a rainy day.

    5 free lunches last week!


    This week:
    Out for tea tonight at a relatives, and have lots of random bits in, so apart from fruit veg, dairy and bread, I'm going to try and have a use up week this week.

    Going to get the kids to focus on going to bed a bit more 'efficiently' as I seem to be so tired when I exit their rooms that it's a struggle to do anything after! I also have to accept that they need to do more on a Saturday at the moment. It's just a phase but because of their ages they fall out when left alone to play for more than two hours. This means I must get all my jobs done during the week, so I can actually enjoy that time, instead of thinking of what I should be doing (saturday is my childcare day, oh is out).

    So today, we might try to get a game of tennis in this afternoon, before heading out for tea, and then getting ready for another hectic week!
    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
    • Karmacat
    • By Karmacat 19th Mar 17, 12:17 PM
    • 27,748 Posts
    • 151,727 Thanks
    Karmacat
    Going to get the kids to focus on going to bed a bit more 'efficiently' as I seem to be so tired when I exit their rooms that it's a struggle to do anything after!
    Originally posted by earthgirl
    Good idea.

    I also have to accept that they need to do more on a Saturday at the moment. It's just a phase but because of their ages they fall out when left alone to play for more than two hours.
    To be fair, I think thats a brilliant amount of time for children of *any* age to play without erupting in complaints about one anotehr

    This means I must get all my jobs done during the week, so I can actually enjoy that time, instead of thinking of what I should be doing (saturday is my childcare day, oh is out).

    So today, we might try to get a game of tennis in this afternoon, before heading out for tea, and then getting ready for another hectic week!
    Also good ideas you're doing really well.
    Retired August 2016
    • earthgirl
    • By earthgirl 21st Mar 17, 9:39 PM
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    • 19,486 Thanks
    earthgirl
    Arggh will have to stop losing my posts!

    Anyway, I was just going to say good day on balance and £22 spent on groceries.

    Focus for the rest of the week:
    - Complete rest of work admin.
    - complete work on OHs business
    - finish cleaning tasks in the week
    - continue with exercise regime (started last week).
    - improve eating
    - spending freeze - I don't need it! (Not much bought but just keeping myself in check)
    - small banking tasks need to be completed.

    Trying to get everything done so that I have a nice weekend with the boys.
    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 24th Mar 17, 8:14 PM
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    earthgirl
    Exhausted.. should be cleaning but need to just relax.

    £125 of extra tuition completed this week and thats with 3 cancellations.

    2 lunch times spent with ds 2 in the park /castle and an afternoon spent with ds1 at his school.

    I delegated a lot at work and tried to think ahead. Next week when I plan my week I'm going to think of plan b, as I'm sick of changing my plans so much and could be even more productive.

    Funny day today, something happened. DS1 was one of only two in his class that didnt turn up in a knights outfit, I knew about the medieval theme, but ds1 wasn't that bothered about it - he doesn't really dress up . I fet awful as I could have bought him something but didn't want to waste the money on one day. I sent something in as an after thought. He hated it and said he got laughed at (by the other non dressed up child).

    I realised that I do have to spend a wee bit of money on the boys..not too much but just a few things they need/want. My frugal voice has been arguing with my mum voice and I have to find the compromise. If I buy things for them, and think carefully about it, I shouldnt feel guilty.

    And finally I also lay a tiny slice of blame at the school..every week there is something to buy for trips, or different ouloured or themed outfits. Really though, I need to chill out about getting the things the boys need even if they are not great "value" .
    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
    • apple muncher
    • By apple muncher 24th Mar 17, 9:01 PM
    • 6,331 Posts
    • 46,076 Thanks
    apple muncher
    Cleaning is extremely overrated...

    It's a tricky one, the whole school-needing-money-costume-cakes-time thing. Could you keep a log of it each time something arises, so you get a clear idea of how often and how much it is? If ds1 really isn't bothered, then that is admirable - good for him on not doing it just because evryone else is.

    Well done on the tuition - an awesome little earner!
    NST Sept scrimper #2; NSD 15; Ex 14; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 116

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Karmacat
    • By Karmacat 25th Mar 17, 8:59 AM
    • 27,748 Posts
    • 151,727 Thanks
    Karmacat
    Good idea of apple's to keep a log - a spending diary of sorts. But earthgirl, your budgetting isn't going to collapse if you spend a fiver per month per child on "rubbish" - they need to fit in with their peer group, think of it that way. I absolutely know you want to create positive memories for them, and fitting in and *then* finding their own space is one way of doing that.

    I'm glad you stopped when you were exhausted, by the way - please, please, remember this is a marathon, not a sprint.
    Retired August 2016
    • earthgirl
    • By earthgirl 25th Mar 17, 2:47 PM
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    • 19,486 Thanks
    earthgirl
    I know you are both right, have logged on mid garden today just to say I was being a miserable so and so. I have accepted that I need to buy them things or get better at making. I could also try and find out what is coming so I can look for bargains. I appreciate the different experiences they get at school.

    Six pounds spent atcharity coffee morning, didn't bat an eyelid
    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
    • greent
    • By greent 25th Mar 17, 4:48 PM
    • 6,213 Posts
    • 62,956 Thanks
    greent
    If your school is anything like ours, they recycle themes - so possibly worth keeping things from one child for another. Plus if you *do* buy stuff there's usually a market to sell it on - another mum who needs to get something for their child for dress up day no 8 of the term, or whatever!
    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) £4151/£3286
    Net sales 2017 £1152.39/£500 PAYDOX17 £11333/£10k Decluttered 1552/2017 items
    • cookie9
    • By cookie9 26th Mar 17, 9:47 AM
    • 732 Posts
    • 3,620 Thanks
    cookie9
    For what it's worth EarthGirl I sometimes cut corners with dress up theme days by using pj tops. Halloween - skeleton top, Science theme same skeleton top with sticky labels for bones. I also have fabric pens so can always draw/write something on a white top.
    MFW 91 op 2014 £410/1000
    MFW 91 op 2015 £4051/4000
    MFW 91 op 2016 £4040/4000
    MFW 91 op 2017 £812/4500
    • earthgirl
    • By earthgirl 26th Mar 17, 10:02 AM
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    • 19,486 Thanks
    earthgirl
    Thanks green t and cookie, great ideas!

    Ds1 behaviour was terrible yesterday, he just got worse and worse at a church event and Time out etc didn't work. He hit the ministers son��.

    He realised what he had done, and ive got a few strategies to try. Behavioral difficulties are supposed to be my specialism at work!different when its your own horror though!!!

    Happy mothers day all.

    Spent 27 pounds on groceries this week, helped by having vegetarian meals all week, bacon sarnies on Saturday though! I'm cooking for parents in law today, very simple and mostly from store.

    Focusing on apples' idea of a life well lived today ��
    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 Mar 17, 10:09 AM
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    • 19,486 Thanks
    earthgirl
    [QUOTE=Karmacat;72305427]Good idea of apple's to keep a log - a spending diary of sorts. But earthgirl, your budgetting isn't going to collapse if you spend a fiver per month per child on "rubbish" - they need to fit in with their peer group, think of it that way. /QUOTE]

    I'm up at 38 pounds on school things this month so far. not including the sword I sent in with a homemade crown and borrowed cape!

    I already had waterproofs thankfully. New football boots needed though, spotted some for ten pounds...hope they fit!

    I need to get a handle on this!!
    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
    • smallholdingsister
    • By smallholdingsister 26th Mar 17, 10:57 AM
    • 3,320 Posts
    • 26,034 Thanks
    smallholdingsister
    I feel your pain on the primary schools dunning for money.

    Cake sale. Fete. World book day. Author visit. Onesies. No thought at all for folk living on minimum wage. I find it financially irksome so how people on low wages must feel, the guilt et.c I hate to think.
    • Brodiebobs
    • By Brodiebobs 26th Mar 17, 8:26 PM
    • 758 Posts
    • 3,158 Thanks
    Brodiebobs
    Its really difficult, but we tend to get plenty of notice so we always make, from a young age mine had it drilled into them that home made is better. Helps the school seem to go with this and award prizes to the most creative i.e not shop bought!

    Especially worse with one at high school, not so much dress up but always on the beg for trips, or it was 'red nose' week so they had activities every day!!! I gave her £5 and said it had to last all week. I know its a good cause but between both workplaces, football, two schools events and other bits and bobs i think we've done about £30!
    Addicted to MSE.
    Overpaying mortgage for a better debt free life!
    • earthgirl
    • By earthgirl 27th Mar 17, 10:25 PM
    • 2,412 Posts
    • 19,486 Thanks
    earthgirl
    Wonderful few days in the sunshine on the beach. BBQ tonight - fantastic, although not cheap! Some work done on OHs business, ds2 picnic in the park at lunch time, and an extra tuition done too.

    Have spent a few hours looking at FREE organised easter activities for the boys and have come up with nothing in my area

    If its fine, there is plenty - beach, tennis, garden games, den making.
    If its awful weather I'll need to be more inventive..board games are ok for a while, big boxes, baking, visiting others, play dates - I must have a look for some indoor games to play.

    Booked a few days away with OH in the first week, and a few days in centre parcs the next week, so its only a few days I have to fill.
    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
    • Karmacat
    • By Karmacat 28th Mar 17, 9:35 AM
    • 27,748 Posts
    • 151,727 Thanks
    Karmacat
    Now *that* all sounds brill, earthgirl

    I definitely remember visiting my brother when his kids (3 boys) were small, and they'd taken over the living room with mattresses and cushions, and they were taking it in turns to throw themselves at the heap on the floor This happened with me in the room, but when he saw it, he was horrified It was very funny at the time, but I'm hoping there's something with less potential for damage that you can find
    Save
    Retired August 2016
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