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  • FIRST POST
    • earthgirl
    • By earthgirl 27th Nov 13, 2:36 PM
    • 2,257Posts
    • 18,203Thanks
    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
    Kids savings 13,578/36k
Page 56
    • greent
    • By greent 10th Apr 17, 7:37 PM
    • 5,869 Posts
    • 59,340 Thanks
    greent
    Lovely posts, earthie xx
    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) £3000/£3286
    Net sales 2017 £657.00/£500 PAYDOX17 £9887/£10k Decluttered 865/2017 items
    • earthgirl
    • By earthgirl 10th Apr 17, 7:57 PM
    • 2,257 Posts
    • 18,203 Thanks
    earthgirl
    Thanks Karma, I feel I have really moved on to a much more balanced place. I couldn't really carry on as I was. Now I feel like I can put all my ideas and plans into place..and feel good..and sleep at night!

    Health
    Had a nice walk with the boys and my dad and his partner. Cut back to two biscuits as my only sweet thing today, no alcohol and more water. More fruit needed..instead of that biscuit!

    Wealth
    A tutee has rebooked for this week (£25 in), we have an airbnb booking for the weekend (£72 in). I spent £6 today on donation to a country park and icecreams. £50 spent on accomodation tonight and the same tomorrow night, to allow me and the boys to see my family. Self catering cottage (saves money on breakfasts, snacks and meals). It is gorgeous - what a treat!

    Life well lived
    Met up with my dad and his wife today, we went to a free country park near center parcs, and spent the whole day there in the sunshine. It was lovely and very frugal too! Great to catch up and make memories.

    The cottage I'm staying in is totally wonderful. I've brought a book and a face mask to really treat myself later on .
    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
    Kids savings 13,578/36k
    • Karmacat
    • By Karmacat 11th Apr 17, 9:25 AM
    • 27,385 Posts
    • 148,302 Thanks
    Karmacat


    Oh my! Life is good indeed
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 11th Apr 17, 9:32 AM
    • 3,829 Posts
    • 35,553 Thanks
    Secret Saving Squirrel
    So glad you are having a good time 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
    • earthgirl
    • By earthgirl 13th Apr 17, 9:29 PM
    • 2,257 Posts
    • 18,203 Thanks
    earthgirl
    We had a wonderful few days at C Parcs. We had visitor passes and we stayed at a nearby cottage. It was great being with my family - the kids had a great time playing together. I drove back up to Scotland last night after a full day at the parc, so I'm exhausted today.

    Health

    Loads of exercise done, water drank . More fruit and less sugar..I've needed the energy!

    Wealth

    Very cheap break in cumbria and visiting 2 days at C. Parcs with the visitors pass. My mum has booked for us to go back at Easter next year as we had such a great time, and its her 70th next year. I will pay her £500 towards it, and we have booked to go for 5 days.

    Spent £50 on grocery shop this week. Most expensive items were wine. Oh is reducing his intake too, so hopefully that will keep us going for a while.
    I tutored tonight for an hour, so £25 in. I'll get back to that next week.

    A life well lived


    The children so enjoyed our mini break to cumbria and LOVED C.Parcs with their cousins. I found a birthday present in a charity shop - unopened science kit for kids - so £4 donated to charity

    Offered DS1 the opportunity to go to football camp today, but he was tired, so we have had a home day, and a friend came to play.
    Last edited by earthgirl; 13-04-2017 at 9:33 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
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 18th Apr 17, 8:04 PM
    • 2,257 Posts
    • 18,203 Thanks
    earthgirl
    It took me a long time to wind down from work, and thinking about it in advance, I was a bit stressed out going back today. I have been thinking of ways to reduce stress at work and have had so really effective ideas.

    I've emailed my boss my to do list/workload and the order I will be tackling it, clearly stating I wont get it all done. He talked to me about it along the lines of 'if you are emailing me about workload, things must be bad - you do everything'. I said exactly - I can't do everything and if you want things done that are lower down the list they probably wont be done. Sorry - and end of conversation. I feel great! Why has it taken me so long to do this? Anyway, I am feeling very happy and have massively reduced my stress about my unrealistic workload!
    More to come after kids in bed.
    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
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 18th Apr 17, 8:58 PM
    • 5,964 Posts
    • 43,494 Thanks
    apple muncher
    Eagerly awaiting the next installment...
    NST June #1; NSD 10; Ex 10; craft 89; remove 473
    2017 MFW#63 Pay off: £2189/£4000; 2
    017 sell 110

    Mortgage £24,881 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 18th Apr 17, 9:20 PM
    • 2,257 Posts
    • 18,203 Thanks
    earthgirl
    DS1 taking ages to get off to sleep, I'll try to deal with that tomorrow.

    At work I'm not going to look at my phone after work hours, and I have also decided to stop at 3 everyday and take the last 30 minutes to consider any child protection issues I need to report, and also to make sure that the next day is organised. This way my work phone can go off at 3.30 and I won't sit bolt upright in bed thinking about something I haven't done.

    Anyway, time management has been good today, and I've felt like I'm getting somewhere.

    Health
    Not great eating wise due to Easter . First day back at work also provided some nice treats but not so good for diet. I'll pick this back up tomorrow. I have been exercising and doing a few bike rides too. As I'm tutoring less in my lunch hours now, and seem to have more of a handle on my workload, I should be able to exercise in my lunch hour.

    Simple healthy meals are going well, and I am batch cooking quite a lot.

    Wealth

    My healthy simple meals are putting up my grocery bills sightly - as is wine which we seem to have had a lot over the holidays. Time to tighten our belts.

    3 tutorings booked in this week. Presents for 3 parties at the weekend from store.

    Life well lived

    Some lovely times this weekend. Family board games and bike rides.
    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
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 18th Apr 17, 9:21 PM
    • 2,257 Posts
    • 18,203 Thanks
    earthgirl
    Eagerly awaiting the next installment...
    Originally posted by apple muncher
    You are so kind
    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
    Kids savings 13,578/36k
    • greent
    • By greent 19th Apr 17, 7:52 AM
    • 5,869 Posts
    • 59,340 Thanks
    greent
    Glad the wr-stress is being tackled and dealt with 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) £3000/£3286
    Net sales 2017 £657.00/£500 PAYDOX17 £9887/£10k Decluttered 865/2017 items
    • Karmacat
    • By Karmacat 19th Apr 17, 11:59 AM
    • 27,385 Posts
    • 148,302 Thanks
    Karmacat
    This is great! A real change of heart, earthgirl, and you expressed it in action, and your boss heard you! Stay with it!
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • earthgirl
    • By earthgirl 21st Apr 17, 7:13 AM
    • 2,257 Posts
    • 18,203 Thanks
    earthgirl
    Thanks KC. My boss has managed to give me more work, but he is right I need to move on some of my pupils.

    Up early as unfortuntaly ds2 is ill and once I'm awake thats it. Still 2am is still a bit too early and I need to clear my mind and think of opportunities.

    Issue - Allocated to many pupils at work. Opportunity - pass ones I have finished with on to the next stage, kindly as I can.

    Issue - lost paperwork at work. Opportunity - hand in what I have which should be ok. Get organised and think of ways to find time for this.

    Issue - lack of sleep. I could cry about this - feel so exhausted, but I'm not going to Make up a spare bed and do alternate nights with OH. Wait it out a few weeks and then back to doctors with ds2. Take time off work if necessary - don't like doing this.

    General Update:

    Health
    No exercise done, feel so tired. Diet and water intake ok. Mentally - work anxiety is there, despite trying hard.

    Wealth
    3 tutorings done so £75 in.

    Live well lived
    Trying not to stress about work. Have managed a bike ride and some time with the littlies.
    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
    Kids savings 13,578/36k
    • Karmacat
    • By Karmacat 21st Apr 17, 9:13 AM
    • 27,385 Posts
    • 148,302 Thanks
    Karmacat
    Lack of sleep is horrible - I'm waking at 3.30 - 4.30 at the mo, and not going back to sleep after that, but at least my days are my own now. Have you used Boots Sleepeaze tablets? They're OTC of course, so safe to take for short periods, but they really let you catch up. Take care xxx
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • earthgirl
    • By earthgirl 22nd Apr 17, 9:56 PM
    • 2,257 Posts
    • 18,203 Thanks
    earthgirl
    Lack of sleep is horrible - I'm waking at 3.30 - 4.30 at the mo, and not going back to sleep after that, but at least my days are my own now. Have you used Boots Sleepeaze tablets? They're OTC of course, so safe to take for short periods, but they really let you catch up. Take care xxx
    Originally posted by Karmacat
    I've never thought of sleep medication, only 'removing' the stuff thats keeping me awake (small, ill child, anyone?). I will look into this, thanks!

    Sorry you're not more settled at night Karma, hope you find some relief.

    Friday morning was just the pits as I knew I had a whole day ahead of me. I managed ok and had a blissful nights sleep in the spare room . I've had the kids all day so OH is on night duty too .
    Last edited by earthgirl; 22-04-2017 at 10:05 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
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 22nd Apr 17, 10:05 PM
    • 2,257 Posts
    • 18,203 Thanks
    earthgirl
    Speaking of having a blissful night sleep, it was no coincidence that I had a great day.
    - out early on my bike in the name of exercise
    - grateful for the sea and the islands, the bluebells, my family and health.
    - Cleaned bathrooms
    - Special time with DS2 doing whatever he wanted as he had earned it on his star chart.
    - After his bike ride/park/icecream fest he was exhausted so watched films whilst I READ A BOOK (normally only do this on holiday!)
    - Had easy and healthy spinach and eggs on toast for tea, managed to drink water and eat healthily)

    All in all a brilliant day off. Whilst I felt guilty for not 'working' when ds2 was film watching, it was great just to relax.

    I'll get back to more work/wealth making tasks 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
    Kids savings 13,578/36k
    • smallholdingsister
    • By smallholdingsister 23rd Apr 17, 8:13 AM
    • 3,211 Posts
    • 23,871 Thanks
    smallholdingsister
    WTG Earthie. Any airbnb advice for me please?

    If my purchase comes together we will have a very large ground floor room with its own entrance but no facilities - how would you use that for airbnb?
    • earthgirl
    • By earthgirl 25th Apr 17, 9:20 PM
    • 2,257 Posts
    • 18,203 Thanks
    earthgirl
    Hi SHS - replied on facebook re general airbnb. I find it a pretty good side hustle .

    It would definitely be a good airbnb room. You would just advertise it as a room in a shared house and advertise it as shared facilities. You could consider adding a small ensuite...some properties I've stayed in have even put in a little kichenette as then it would not be shared at all and could demand more per night. Our ensuite is very little but it does help us to get more bookings. It woud depend on how much you expect to get per night and how busy you would be?
    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
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 27th Apr 17, 9:34 PM
    • 2,257 Posts
    • 18,203 Thanks
    earthgirl
    I'm going to start my update with 'a life well lived' as I've not been properly thinking about it for years - now we have plans!

    A life well lived
    OH and I have decided to bring forward our travel plans. We had always thought that after we had paid the mortgage off after being so frugal for years, that we would go on more holidays and visit far flung places. In the past few years we have been to portugal twice as it is cheap in October and still reasonable weather. The kids could manage the 3 hour flight. We have also had holidays in britain.

    We have decided that when OH turns 50 this January, we will use the Christmas break to go to Dubai area. It will not be a cheap holiday (although we will save on not hosting Christmas, not hosting or going out for new year, ditto OH's birthday - instead the money will be spent on us and a holiday to remember). We have chosen UAE as its a 7 hour direct flight from here and is still a good temp at that time of year.

    We are then planning on having UK breaks again.

    In 2020 summer, we will take another big trip. Possibly America. We hope to go to Australia and New Zealand for a winter break in 2023.

    So definitely not money saving - totally money spending. But they money we saved up working three jobs and scrimping will allow us to go to these places. We are not getting any younger and can't bank time. We can bank memories though! We will pay off the mortgage and travel, just in a more mixed way.

    Health
    Going ok. Loving my daily walks. Working on improving my confidence, assertiveness and productivity at work. I need to practise, but I focusing on better managing my mental health as regards my workload. Taking the time to say 'I'd like to think over that idea' when my boos tries to give me a fresh mountain of work, stating facts (Such as yes, I can do A but it will impact on B,C and D), saying things confidently and watching my body language. I hope to be confident and assertive and not overworked!!

    Wealth

    Travelling early in our mortgage pay off plans will delay it somewhat. I will work out proper budgets for this. I'm stillexpecting some money for a car crash I was injured in, but I don't know how much.

    I had to cancel a bnb guest this weekend. He was being very odd and didn't have any reviews. One tutee cancelled today, so I only have 1.5 hours this week . I'll try to get more.

    So with our new travel plans,I feel a new vigour for being frugal, saving and making money, and being better at everything!
    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
    Kids savings 13,578/36k
    • themadvix
    • By themadvix 28th Apr 17, 8:16 AM
    • 819 Posts
    • 3,336 Thanks
    themadvix
    Sounds very exciting Earthgirl and a lovely balanced approach too We went to Dubai on our honeymoon - if you're not bothered about fancy hotels then there's a perfectly adequate Ibis that we got for something mad like £17/night! We loved the Burj Khalifa and the trip across the creek on a local boat (very cheap too). Taxis are dirt cheap too
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • earthgirl
    • By earthgirl 28th Apr 17, 9:42 PM
    • 2,257 Posts
    • 18,203 Thanks
    earthgirl
    Thanks themadvix. I will look into those things. Mostly going to relax and do some easy fun family things. Can't wait!

    Health
    Great day - two walks amongst the breathtaking scenery which is just outside my door. Lots of water drank and fruit eaten. It was cake day at work though as someone was leaving.

    Wealth
    Working hard at job 1 (teaching) not much tutoring this week. I will request more next week from the council. Not much done on OH's business - more on that this week.

    Life well lived
    Lovely walk this morning and after school with the whole family. We have decided to take a family walk after school on the beach when it suits.

    Family party tomorrow, I'm taking a picnic tea and hoping for minimal spends.
    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
    Kids savings 13,578/36k
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