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  • FIRST POST
    • earthgirl
    • By earthgirl 27th Nov 13, 2:36 PM
    • 2,408Posts
    • 19,453Thanks
    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 59
    • themadvix
    • By themadvix 30th May 17, 8:37 AM
    • 1,029 Posts
    • 5,438 Thanks
    themadvix
    You can definitely schedule listings for free if they're part of your free listing allowance - I did it yesterday

    Sounds like everything is very much on track
    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 30th May 17, 9:22 PM
    • 2,408 Posts
    • 19,453 Thanks
    earthgirl
    Thanks I'll give it a go! All went very well today and almost two litres drunk(of water!)

    Going to make a no added sugar chutney too
    http://www.fussyfoodie.co.uk/foodie/2835/sugar-free-chutney/
    Last edited by earthgirl; 30-05-2017 at 9:46 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 4th Jun 17, 8:20 AM
    • 2,408 Posts
    • 19,453 Thanks
    earthgirl
    MIA for a few days, I realised I was spending a lot of time online when I could have been a bit more productive. I've been really busy!

    Health
    The 5:2 diet is amazing, totally suits me and is getting easier. I have lost 3 pounds, which is not a lot but slow and steady wins the race.

    Some healthy swaps we have made:
    No more garlic bread, everyone enjoys wholemeal pitta breads just as much (same price).
    biscuits are gone - we have oatcakes (nairns do a reduced sugar cranberry type one for 69p for loads) or crackers.
    made no added sugar chutney - really nice, but I think I'll go back to my own recipie and take out the sugar, substituting for apple cider ving and orange juice, adding some dates, as this should give it enough natural sweetness.
    Free range chicken bought, and not that expensive.
    'quaver' type crisps bought for ds2 lunches, as they seem to have hardly any calories (although you wouldn't have them all the time, I'm focusing on swaps.)

    Wealth
    Grocery shop was £37, including laundry detergent and fab softner. I'm pleased with this. I'm eating some stuff out of the veg patch. Strawbs and other berries are still so expenisive and mine are not ready yet. I have being buying melons as although they are still expensive they produce a lot of fruit.

    Ebaying went well. 2 items sold (approx £50 in total) and 3 more listed thanks to scheduling. This is going to be great for me as I can do it when boys asleep. Need to find huge boxes now.

    two hours of tutoring done.

    Life well lived
    Going to think of a routine to help me to stop thinking of work on Friday nights. Can't seem to get rid of it in my mind, fine by Saturday.

    Had a lovely saturday, very productive which helps. Swimming, then one party and a friend to play, followed by bbq at neigbours. Today I'd like to get outside with the boys and work on my veg patch too.
    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
    • pennywisepoundstupid
    • By pennywisepoundstupid 4th Jun 17, 8:41 AM
    • 4,293 Posts
    • 12,879 Thanks
    pennywisepoundstupid
    Morning Earthgirl.

    Well done on the ebay sales, once you get into it it can become slightly addictive.

    You are sounding so much happier and relaxed, very envious of your growing skills, i'm afraid i'm not very good with plants.

    Take care.x,
    Be mindful of your self-talk. It's a conversation with the Universe."
    Save for summer £500/£500
    EXTRA DEBT PAYMENT AUGUST -MBNA£1000/£373
    • smallholdingsister
    • By smallholdingsister 4th Jun 17, 10:17 AM
    • 3,318 Posts
    • 26,002 Thanks
    smallholdingsister
    Hi Earthie. Any advice please for a newbie airbnb er?
    Do you give your guests stuff/what do you give them for breakfast?
    • apple muncher
    • By apple muncher 4th Jun 17, 2:44 PM
    • 6,315 Posts
    • 45,961 Thanks
    apple muncher
    Am liking the food swaps - well done!
    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
    • earthgirl
    • By earthgirl 4th Jun 17, 10:13 PM
    • 2,408 Posts
    • 19,453 Thanks
    earthgirl
    Thanks for the positive comments.
    Posted all my drivel before hearing the news.

    SSS I do self service hot drinks, juice (cartons as we don't drink it anymore ) cereals and toast. That's it..put it in my notes.

    Good luck x
    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 4th Jun 17, 10:20 PM
    • 27,734 Posts
    • 151,529 Thanks
    Karmacat
    Thanks for the positive comments.
    Posted all my drivel before hearing the news.
    Originally posted by earthgirl
    Life goes on, and it's usually all over the place!

    SSS I do self service hot drinks, juice (cartons as we don't drink it anymore ) cereals and toast. That's it..put it in my notes.

    Good luck x
    Me and my brother and sister are about to rent an airbnb place in the east of England, very exciting

    Save
    Retired August 2016
    • earthgirl
    • By earthgirl 6th Jun 17, 6:58 PM
    • 2,408 Posts
    • 19,453 Thanks
    earthgirl
    Bnb has really taken off, its much busier here in summer as its not really a winter destination. Hard work to keep changing the beds all the time and cleaniing the room out, as well as everything else on my to do list...last night I 'worked' till 10.

    I have 3 hours of tuition booked in this week, and a MS.

    So money coming in much better this week! I've ring-fenced my time with the children. Picnic with ds2 on Monday, bike rides on Monday and friday, playing with dsafter work whilst big brother at school, and day off on Thursday. Stress levels a bit higher as I'm not sure how I'm going to fit all the extra work and normal 'to do' list in.

    Its good to have the extra cash coming in!
    Early mornings for me!
    Last edited by earthgirl; 06-06-2017 at 7:00 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 9th Jun 17, 10:29 PM
    • 2,408 Posts
    • 19,453 Thanks
    earthgirl
    Wow I've been so busy..I've dropped a few plates

    Health
    2 fast days done this week. Opened a bottle of wine tonight though - could have found a bit more will power if i'd tried Mostly very healthy eating and sugar cravings almost non existent.

    Still need to drink more water. Will sort this now!! Its been tough to exercise as I am so busy at the moment, and OH is away for the week so I can't go a walk at my normal time...just an excuse though as I could do an ex video or something!

    Wealth
    Have been very busy. Scheduling great, all 3 items have bids on them and close tomorrow. I got up early the morning and have 4 more scheduled for the weekend..I'll try and do this every week.

    Ms completed. 4 nights bnb done, lovely people.

    Having a spending freeze and just using up grocery items when oh is sesy. Only buying milk and bread as given fruit and rhubarb and strawberries plentiful in garden.

    I have completed 4 tuitions this week - 3 booked in next week. In a few weeks it'll go to nothing - but I have got summer work organised.

    Just found out I got the job responsible for the activities at summer lunches for 3 days a week,3 weeks of the hols. I'll only be working 2.5 hours each day, and my boys can come with me . I still get 4 days off doing it each week, and I've got two weeks with nothing planned at all except holiday so I hope it'll balance ok.

    Slightly worried there will be kids I don't know that i'll have to discipline and it might be quite difficult. But it's a good opportunity to earn extra cash, do something to amuse the kids in nearby primary and my boys can take part too. It will probably be fine, but there is no point in worrying about it any more, or the pay will not be worth it.

    Life well lived
    A day off work on thursday and it was pouring down. A lot of cleaning and sorting done rather than a beach trip I'd hoped for. I'm thinking I'll get that beach trip soon though, surely!

    Also off to visit a relative tomorrow, and then a relaxing day on Sunday - party for ds2 -present and card from store.
    Last edited by earthgirl; 09-06-2017 at 10:57 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
    • Karmacat
    • By Karmacat 10th Jun 17, 10:55 AM
    • 27,734 Posts
    • 151,529 Thanks
    Karmacat
    You *have* been busy!

    And the summer job means getting paid to childmind your own children I like it!
    Retired August 2016
    • earthgirl
    • By earthgirl 11th Jun 17, 9:59 PM
    • 2,408 Posts
    • 19,453 Thanks
    earthgirl
    The relaxing day turned out not to be so relaxing. Very unusually for my boys, they were awful to each other this afternoon. Maybe tiredness maybe boredom. Maybe it's because I'm not strict enough with them so they think they can get away with it? Also they probably sensed I had loads to do. Oh is away until Tuesday and I'm doing some admin for him as well. Probably a combination. It's a combination to be avoided though!

    Saturday was great. £10 spent but this included swimming in a brilliant pool with slides etc and a castle trip on Stirling (normally very expensive unless you are live in the city like SIL). Stayed over at SIL and had a great time.

    Today I rushed back to send ds2 to a party. Both days got my exercise in but have eaten too much. Back to the grindstone tomorrow. Think I'm organised!

    Health
    Keep an eye on healthy eating and hydration. Can't wait to get back to walking on the beach again.

    Wealth
    Ebay parcels posted. Schedule 3 more items this week. Have bnb on Monday night. 3 tutoring schrduled this week. Need to find out more about my summer job and what I have to prepare. I'm not worried about this now, sure I'll manage to make it enjoyable

    Must work on ohs business

    Life well lived
    Plan more so I have no tired/bored/kids and make sure I'm not tired and grumpy. But fair and consistent haha!! Thinking of setting up a box of things from the pound shop (saw some toys there I think they'd like) and if I'm really really stuck and they can't play themselves and I need to do something, I can give them something to amuse them for a few hours. Maybe a bad idea?!

    Also going to plan out the summer holiday so there is something to do/see every day.
    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 13th Jun 17, 7:52 PM
    • 2,408 Posts
    • 19,453 Thanks
    earthgirl
    Arghh help, I now have too much summer work!

    It looks like I'll have more students plus the lunch club, plus bnb. I want to have fun with the children too, and I'll still need to do work on ohs business. I'll work something out!

    Health
    Fast day done today. Feels good to be back in control after a weekend of eating and drinking.

    Wealth
    Good news about summer work and as long as it doesn't impact on being able to do stuff with the kids I'll be happy. Tutoring has really slowed down so the summer work is welcome.
    Bought school uniform bits that I needed including leather school shoes (hope that these fit!) for £30.

    Life well lived
    I have booked some time off school to go to sports days, nursery graduation and just a day off planning lovely things with the kids at the weekend and my dad is coming to visit.
    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 13th Jun 17, 8:34 PM
    • 6,315 Posts
    • 45,961 Thanks
    apple muncher
    Sounds like you need to write down when everything is happening, who is involved, what you need to prepare for each activity. And allow yourselves some downtime at home -so long as you won't end up bickering away!

    My only summer plans are a consultant appt for dd,date forgotten at the mo, and a stay up at my sister's, date not yet decided. The total opposite of you!
    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 14th Jun 17, 9:19 AM
    • 27,734 Posts
    • 151,529 Thanks
    Karmacat
    I agree with apple muncher, this is what diaries are for It's a good problem to have, though My diary seems full because I can only do 2 days out of the house each week, cos of energy levels - otherwise, it'd be quite empty!
    Save
    Retired August 2016
    • apple muncher
    • By apple muncher 14th Jun 17, 7:57 PM
    • 6,315 Posts
    • 45,961 Thanks
    apple muncher
    I have started my summer diary .

    It currently has the following on it: my summer holiday dates, dd's summer holiday dates, my counsellor's summer holiday dates. I tell you, I've got this diary malarkey sussed .
    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
    • smallholdingsister
    • By smallholdingsister 14th Jun 17, 9:34 PM
    • 3,318 Posts
    • 26,002 Thanks
    smallholdingsister
    Earthie have you broken up yet?
    • earthgirl
    • By earthgirl 15th Jun 17, 7:15 AM
    • 2,408 Posts
    • 19,453 Thanks
    earthgirl
    No not broken up yet. 26th can't wait although it looks like the first week will be more manic than my actual normal full time working week!

    Oh and I think we have got it sorted. The boys get to go to football club,for two hours and grandmas for lunch. (Cost £25 each, but I was going to send them anyway) The next two weeks they get two hours of out of school care which offers activitues for them to do (£12 per day but paid for with left over childcare vouchers do free in terms of payout now). These activities will also give them a bit of time socialising and away from the house and us so although I'll miss them it takes the "boredom" element away. And means I'll just relax with them in the afternoons - the organised activity will be done.

    I'll also visit my mum for a 4 days before this all starts, which gives oh chance to study here and catch up on work so he can be around more in the afternoon if I need help.
    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 15th Jun 17, 7:23 AM
    • 2,408 Posts
    • 19,453 Thanks
    earthgirl
    Apple you are so right, I need to plan it all out with what I need to do in advance. There are possibly things I can do in advance to make things easier. I have to bulk cook and have a tiny freezer but I could meal plan, use mils freezer and make shipping lists. I could use a online voucher for a grocery store and have a shop saved...

    Could get the house Spick and span, same for garden, so when I'm relaxing I'm actually relaxing!
    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 15th Jun 17, 9:25 AM
    • 27,734 Posts
    • 151,529 Thanks
    Karmacat
    Earthie, you know what, your house and garden don't actually need to be spick and span - they need to be useable, and decent enough for people to enjoy being there. Thats it! You need *some* holiday time to recharge!
    Retired August 2016
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