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  • FIRST POST
    • earthgirl
    • By earthgirl 27th Nov 13, 2:36 PM
    • 2,214Posts
    • 17,860Thanks
    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 )
    April 17 33,710
    Kids savings 13,578/36k
Page 58
    • earthgirl
    • By earthgirl 14th May 17, 8:46 PM
    • 2,214 Posts
    • 17,860 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 )
    April 17 33,710
    Kids savings 13,578/36k
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 14th May 17, 9:13 PM
    • 3,817 Posts
    • 35,284 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
    • 2,214 Posts
    • 17,860 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 )
    April 17 33,710
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 16th May 17, 10:15 PM
    • 2,214 Posts
    • 17,860 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 )
    April 17 33,710
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 18th May 17, 5:38 PM
    • 2,214 Posts
    • 17,860 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 )
    April 17 33,710
    Kids savings 13,578/36k
    • Karmacat
    • By Karmacat 18th May 17, 8:54 PM
    • 27,222 Posts
    • 146,413 Thanks
    Karmacat
    Is the tutoring drying up because exams are round the corner, or is it economic, do you think?
    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 19th May 17, 8:37 PM
    • 2,214 Posts
    • 17,860 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 )
    April 17 33,710
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 20th May 17, 7:37 AM
    • 5,840 Posts
    • 42,632 Thanks
    apple muncher
    Have a wonderful weekend!
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: 1803/4000; 2
    017 sell 30

    Mortgage 25,317 (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
    • 27,222 Posts
    • 146,413 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

    Goal: earnings of 25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • earthgirl
    • By earthgirl 22nd May 17, 1:53 PM
    • 2,214 Posts
    • 17,860 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 )
    April 17 33,710
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 24th May 17, 9:44 PM
    • 2,214 Posts
    • 17,860 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 )
    April 17 33,710
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 25th May 17, 7:26 AM
    • 5,840 Posts
    • 42,632 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 May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: 1803/4000; 2
    017 sell 30

    Mortgage 25,317 (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
    • 2,214 Posts
    • 17,860 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 )
    April 17 33,710
    Kids savings 13,578/36k
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