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  • FIRST POST
    • earthgirl
    • By earthgirl 27th Nov 13, 2:36 PM
    • 2,314Posts
    • 18,639Thanks
    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 58
    • earthgirl
    • By earthgirl 14th May 17, 8:46 PM
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    • 18,639 Thanks
    earthgirl
    You could try your local uni or CoLlege this is how I organise mine.

    Posting from phone and it's not behaving.

    Health is going great, dug over a part of veg patch today, excellent exercise.

    Wealth, completely free day out yesterday, sledging at party, free tennis coaching and swim. Lovely night at friends last night. My veg Patch is looking the best ever, I'm using a makeshift poly tunnel and it's made a big difference. Salad for lunch tomorrow.

    Life well lived, lots of me time today, kids at grandparents this mornings so I worked on ohs business, then kids and I worked onthe veg patch this afternoon. Simple but fun and rewarding.
    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
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 14th May 17, 9:13 PM
    • 3,834 Posts
    • 35,586 Thanks
    Secret Saving Squirrel
    Glad things are going well 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 15th May 17, 9:44 PM
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    • 18,639 Thanks
    earthgirl
    Health and a life well lived is going well. Very short in car picnic with ds2 today, but we had some time chilling out at home as well. I need to watch that I am still "present" when I am with him, switch off the phones. Today we decluttered in the house a lot. Not an amazing day for him but a good use of a few hours, meaning I'm more organised and ready for when it's not torrential rain and we can get out more.

    Wealth
    Some of the decluttering will be sold. I will work on ohs business tomorrow in my lunch hour. He has agreed to contribute more from the business.
    Have some ideas for summer work to look into 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
    • earthgirl
    • By earthgirl 16th May 17, 10:15 PM
    • 2,314 Posts
    • 18,639 Thanks
    earthgirl
    A productive day at work. I'm scheduling specific blocks of time for specific tasks planning, marking etc Instead of just "admin" and although I skim for important stuff, I'm not reading my email until I've done my tasks. It's working well.

    Daily walk done, and some weeds with pretty flowers foraged to fill up a border. Not buying bedding plants at all this year and I've hopefully got the free sweet pea seeds germinating as we speak to fill up behind the border in the fence. I've tidied it up today as well.

    Cheap healthy tea cooked but apparently I need to bulk it out more for my growing boys.

    Enquired about more tuition with the council and there is none at the moment. I have enquired about more summer work but it really slim pickings at the moment the council are not paying into projects as much.
    I'll keep trying and also focus on having a cheap fun summer.

    Lovely evening in the garden with my family �� beautiful views on my walk tonight
    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 May 17, 5:38 PM
    • 2,314 Posts
    • 18,639 Thanks
    earthgirl
    A bit of a frustrating day.

    Wealth - no tutoring this week at all council tutoring is drying up. I tried to do some work on ohs business at lunch and ended up having to help someone else instead. I don't mind helping but would rather schedule it to fit in better. Sigh.
    Opportunities:
    -work on ohs business tomorrow lunch time.
    -promote my own private tuition business again
    -use the time to sell stuff
    -consider promotion opportunities for next year.
    - complete overhaul your finances guide and up your income guide.

    Work was a little stressy, it's just a job though, so I'm trying not to get stressed by anything.

    Health, walking has been going well, eating ok I suppose, and no alcohol.

    Life well lived
    Got a free forest school event to go to on Saturday, can't wait, and I'm hoping to get swimming to on the way to visiting relatives. Had a picnic and few hours with ds2 on the beach which was lovely.
    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 18th May 17, 8:54 PM
    • 27,485 Posts
    • 149,255 Thanks
    Karmacat
    Is the tutoring drying up because exams are round the corner, or is it economic, do you think?
    Retired August 2016
    • earthgirl
    • By earthgirl 19th May 17, 8:37 PM
    • 2,314 Posts
    • 18,639 Thanks
    earthgirl
    It's the end of the exams up here in Scotland. Our current director of education is not keen on kids being home schooled so I think that is filtering down as schools refer less and less.

    A very productive day, and ready for a busy activity packed weekend in Edinburgh 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
    • apple muncher
    • By apple muncher 20th May 17, 7:37 AM
    • 6,074 Posts
    • 44,247 Thanks
    apple muncher
    Have a wonderful weekend!
    NST Joyful July #2; NSD 14; Ex 23; craft 110; remove 477
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Karmacat
    • By Karmacat 20th May 17, 9:23 AM
    • 27,485 Posts
    • 149,255 Thanks
    Karmacat
    It's the end of the exams up here in Scotland. Our current director of education is not keen on kids being home schooled so I think that is filtering down as schools refer less and less.
    Originally posted by earthgirl
    That makes sense, unfortunately. Can you advertise? Facebook page?

    A very productive day, and ready for a busy activity packed weekend in Edinburgh tomorrow.
    Enjoy! Edinburgh has *so* much, and the central area is so compact, its a wonderful place.
    Retired August 2016
    • earthgirl
    • By earthgirl 22nd May 17, 1:53 PM
    • 2,314 Posts
    • 18,639 Thanks
    earthgirl
    Wonderful weekend in Edinburgh and only petrol there and back spent (approx £15) and reduced sandwiches bought on Sunday for 50p each. They were yummy too!

    Free forest school music workshop on Saturday on the way there was excellent. Free swim in a nearby gym doing free passes. Doubly money saving as ds2 has almost learnt to swim saving money on the lessons I was thinking of in the summer. Great time had staying at a relatives and then lovely time in the national museum, so much for the kids to see and do for free!

    The kids slept on the way home, do a took them out for s bike ride yesterday to tire them out. Unfortunately I hurt my back twisting on the bike ride. I'm at work but can't do much
    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 24th May 17, 9:44 PM
    • 2,314 Posts
    • 18,639 Thanks
    earthgirl
    Lots of progress made in all areas. Biggest improvement being health..

    After lots of research it seems that intermittent fasting is good for metabolism and has been linked to lots of health gains. I stand to be corrected but it seems a fairly solid idea, and much better than a crash diet or calorie controlled diet everyday. Anyway have decided to do 2 days fasting non consecutive per week, 500 calories per fast day. Thought I'd find it hard, but fasted yesterday and it was fine. I will try it for a few weeks and reassess. It adds importance to healthy sensible eating EVERYDAY for me as why bother going through the fasting if I don't eat sensibly on the other days.

    Must keep up the water and exercise too. Forgot my water today

    Wealth
    £47 on grocery shopping this week. No extras bought. Would like to not buy wine (£16) but oh still drinks it and if we don't buy it in cheap we risk buying it more expensively at the local shop.
    OHs business is busy and he should be well able to pay extra into our home account.
    Lots of free salad from veg patch
    2 tutoring this week.
    Decided to do the things I am procrastinating about in the home and at work, which should impact positively!

    Life well lived
    Decided not to travel to my mums this weekend and avoid a hot sticky bank holiday journey. Instead I will do my procrastination list, spend time with the boys, go to the beach and weed the garden.

    In the summer holidays (in 5.5 weeks for me!!) I will visit my mum for longer.

    To do:
    Drink water, exercise,healthy eating.
    Chase tutoring, set up tutoring website again
    Chase summer holiday work
    Make and do procrastination list
    Weed veg patch
    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 25th May 17, 7:26 AM
    • 6,074 Posts
    • 44,247 Thanks
    apple muncher
    Go you on the IF!

    Just starting day 4 of no-added-sugar as I realised that it has been a year since I got hit with arthriticky hands and toes. And I Feel that I have done nowt to look at how to improve. Coffee went just after Cmas, so much reduced caffeine intake. Then it struck me how inflammatory sugar is to the body - not a new revelation, just hit me afresh. There isnever a 'good' time to start, so I just started the next day...
    NST Joyful July #2; NSD 14; Ex 23; craft 110; remove 477
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 26th May 17, 5:19 PM
    • 2,314 Posts
    • 18,639 Thanks
    earthgirl
    That sounds great apple. I tried no sugar and it was tough! Good luck, you have a lot more willpower than me.

    I'm loving IF. I'm doing it today. No it's not hard or expensive. Yoghurt for breakfast, soup for lunch, whole meal pitta with a few bits in for tea.

    Shopping was 43 pounds this week but forward bought 2 extra fish meals and four bottles wine. Oh drinks a lot but says he'll cut back.

    Have to go as bnb guest arriving 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
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 27th May 17, 7:51 PM
    • 2,314 Posts
    • 18,639 Thanks
    earthgirl
    Arrgh, don't like to complain but OH really messed up. So i'm going to complain haha!
    We had bnb guests arriving but with the traffic, they said it would be midnight, then half one in the morning, so I said I'd leave the door open. I told OH. He forgot and locked the door.

    The people arrived at 2am. They didn't ring the bell when they found the door was locked they slept in their car. I feel so bad!

    I have arranged for them to have a full refund, and I think the way airbnb cancelled it means they can't leave me a bad review. So £36 down.

    OH is really getting me down at the moment, he is working hard at his business, but doesn't want to tighten his belt or change his habits at all (including healthier eating and drinking etc). You can't change someone, and I cant make him do anything..but I feel like we are on different planets at the moment.

    Rant over!
    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 28th May 17, 9:53 AM
    • 27,485 Posts
    • 149,255 Thanks
    Karmacat
    The people don't sound like they're the sort to leave a bad review for that kind of thing, but I can understand how horrible it was all round! As for OH ... slowly slowly! I can't remember if he does the shopping or you do?
    Retired August 2016
    • smallholdingsister
    • By smallholdingsister 28th May 17, 7:18 PM
    • 3,292 Posts
    • 24,283 Thanks
    smallholdingsister
    In fairness to you that is a pretty antisocial time to arrive.
    • earthgirl
    • By earthgirl 28th May 17, 9:45 PM
    • 2,314 Posts
    • 18,639 Thanks
    earthgirl
    The people don't sound like they're the sort to leave a bad review for that kind of thing, but I can understand how horrible it was all round! As for OH ... slowly slowly! I can't remember if he does the shopping or you do?
    Originally posted by Karmacat
    I do it, but if I don't get the things he likes he would just get them from the local shop at double the price. I have forgiven him for locking the poor people out, it was just a mistake.

    We are getting on a bit better today. Like I said, he is working hard. And who is to say my way is the right way? He has come around to not buying in biscuits and cakes. I've mentioned some alternatives he seems happy with.

    Health
    I am hoping we can manage to go mostly (as in not strictly, just 'mostly') refined sugar free at some point in the next few weeks. I have personally tried before and failed, but there was still loads of sugary things in the house. I have a few more alternative snacks etc that should be helpful too.
    Also going to have a go at sugar free ketchup http://www.spoonfulofsugarfree.com/2012/04/12/homemade-sugar-free-ketchup/
    and commit to making houmous every week as everyone loves it

    All other health things going well.

    Wealth

    Sorted out my transfer to a new bank account. Had a successful bnb guest last night, phew! Ate out at a relatives, and another relative looked after both of my boys when I was on training on Friday. I am a lucky lady.

    Chased summer work again, and council tutoring. Still not a concrete response but I'll keep trying. Organised cash to take to the bank on Tuesday.

    Life well lived

    Wonderful few days in the garden. Boys had a lovely day with a relative when I was training at work and school/nursery was closed. I let them push me fully work clothed into the paddling pool when I returned on friday which was good fun!

    Lovely bike ride with ds2 yesterday whilst ds1 went to a friends. Veg patch totally weeded, some more rocket planted up. Shed cleared out.

    Tomorrow:

    Health
    Stick to 2000 calories. Drink water and exercise. Continue with my procrastination list as it helps my mental health (only one thing left!)

    Wealth

    Sell stuff on ebay etc (this is what I'm procrastinating about).

    Life well lived
    Its to be rainy, so we are going to tidy up an outbuilding, build a model out of junk and go swimming.
    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 28th May 17, 9:49 PM
    • 2,314 Posts
    • 18,639 Thanks
    earthgirl
    In fairness to you that is a pretty antisocial time to arrive.
    Originally posted by smallholdingsister
    Thanks SSS. I know, funnily enough airbnb felt the same and were great at sorting it all out for me.
    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 29th May 17, 9:11 AM
    • 27,485 Posts
    • 149,255 Thanks
    Karmacat
    I'm getting the positive vibe from you and I'm sure thats the way forward - hummus is a win, sugar free *and* yummy is a win
    Retired August 2016
    • earthgirl
    • By earthgirl 29th May 17, 9:38 PM
    • 2,314 Posts
    • 18,639 Thanks
    earthgirl
    Sugar free day went well. Oh wasn't as onboard as I had hoped and consumed quite a lot, oh well, maybe he'll join me another time. I'm pretty determined and I've hidden the biscuit tin from myself! Sure that'll work!!

    Yey go me, procrastination list done, woop! Listed some big stuff on eBay. Must find out if I can schedule listings for free? Could have listed more but the boys were awake and I like to see them when I'm on hol.

    Had a lovely bank hol. We all went to a hotel about forty mins away, had a swim and lunch out for £25. Brilliant "value" as it is private and newly decorated changing rooms etc and lunch was lovely.

    This week
    Health:
    2 fast days, sugar free and minimising sugar in everyone's diet too.
    Exercise every day (light)
    Drink water (at least one litre per day, try for two)
    Continue to organise and simplify life for better mental health

    Wealth
    Ohs business work
    Bank cash
    Investigate scheduling Ebay
    Set up tutoring website

    Life well lived
    Kids have activities planned for the weekend
    Plan weekend after (Stirling trip)
    Keep work simple -follow my routines - these have really helped.
    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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