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  • FIRST POST
    • earthgirl
    • By earthgirl 27th Nov 13, 2:36 PM
    • 2,263Posts
    • 18,239Thanks
    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 60
    • apple muncher
    • By apple muncher 15th Jun 17, 5:19 PM
    • 5,973 Posts
    • 43,575 Thanks
    apple muncher
    Who are you shipping? And where to?
    NST June #1; NSD 16; Ex 15; 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 15th Jun 17, 6:56 PM
    • 2,263 Posts
    • 18,239 Thanks
    earthgirl
    Who are you shipping? And where to?
    Originally posted by apple muncher
    Myself, to The Maldives
    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 15th Jun 17, 7:33 PM
    • 5,973 Posts
    • 43,575 Thanks
    apple muncher
    Can I come too?
    NST June #1; NSD 16; Ex 15; 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 16th Jun 17, 8:12 PM
    • 2,263 Posts
    • 18,239 Thanks
    earthgirl
    Of course Apple!!

    Strange day. My boss is retiring and my role is changing. I will no longer be working in my office but in a school. Not sure exactly what will happen, but There will be the possibility that I will get to work at the school my children will go to, therefore saving on travel costs for them which will be a massive saving.

    I will lose a lot of freedom but I've really enjoyed this freedom for almost three years. It coincides with my youngest going into school do piping out for a picnic with him will not be an option anyway. I get on well with my boss so starting with a new head I won't have the same relationship.

    Oh well end of an era in lots of ways... got to keep busy and keep moving towards my goals.

    Randomly applied for a high powered well payed corporate education job. I have no chance but an interview would be nice!
    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 16th Jun 17, 8:54 PM
    • 5,973 Posts
    • 43,575 Thanks
    apple muncher
    Hope you end up in your kids' school, with a good boss x
    NST June #1; NSD 16; Ex 15; 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
    • Karmacat
    • By Karmacat 16th Jun 17, 11:00 PM
    • 27,406 Posts
    • 148,456 Thanks
    Karmacat
    Aww, seems sad, but there do sound a lot of benefits to being in the same school as littl'uns
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • gallygirl
    • By gallygirl 17th Jun 17, 9:05 AM
    • 16,375 Posts
    • 107,215 Thanks
    gallygirl
    Randomly applied for a high powered well payed corporate education job. I have no chance but an interview would be nice!
    Originally posted by earthgirl
    Well you've increased your chances exponentially by applying for it . Nothing ventured, nothing gained.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • earthgirl
    • By earthgirl 17th Jun 17, 9:39 AM
    • 2,263 Posts
    • 18,239 Thanks
    earthgirl
    Thanks. My current job was perfect when my children were little - a teaching role on flexitime is pretty hard to find! The timing is good if it was last year I'd have struggled.

    So I've wasted far to much time this week, I've even got. A k on to Facebook which is been avoiding! I need to get my mojo back and helping me travel in the right direction.

    Today
    Wee bit of cleaning and tidying
    Clean hen hut
    Weed garden
    Make Father's Day presents/cards
    Prepare food for BBQ on beach later with friends
    Take boys to castle open day this afternoon.

    A great mix of things so I just need to get going!
    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 Jun 17, 7:46 PM
    • 2,263 Posts
    • 18,239 Thanks
    earthgirl
    Lovely weekend slightly marred by me not sleeping so well and feeling like I'd like to do loads but just exhausted! The BBQ on the beach was brilliant and I really enjoyed getting together with friends.

    My dad came to visit so I enjoyed relaxing with him.

    Spent £6.60. £4 on ice creams and the rest on BBQ food. The whole weekend was great. And cheap. We went for a lovely walk and to a big play park today then back home for the paddling pool.

    3 Ebay sales ready to go. I'm made about £100 in the last three weeks. I'll do one more week then I have my manic week to contend with and I'm only doing essentials.

    We have off set into savings £1600 since April. It's going in the right direction. With ohs business improving and all my summer work, I'm hoping the holiday with not have too much effect on out figures. We are currently needing only £32 k to clear the mortgage. Woop!
    Last edited by earthgirl; 18-06-2017 at 7:48 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 Jun 17, 8:00 PM
    • 2,263 Posts
    • 18,239 Thanks
    earthgirl
    Plan for this week:

    Tonight- get organised.

    Health
    Healthy eating and hydration
    Exercise

    Wealth
    Check boys savings accounts and pay in tutoring cash
    Only one tutoring this week

    Life well lived
    Come up with something fun to do on Saturday.
    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 Jun 17, 9:49 PM
    • 5,973 Posts
    • 43,575 Thanks
    apple muncher
    Get organised, huh?

    I spend my life trying to crack that one! Good luck!
    NST June #1; NSD 16; Ex 15; 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
    • Karmacat
    • By Karmacat 18th Jun 17, 9:55 PM
    • 27,406 Posts
    • 148,456 Thanks
    Karmacat
    So impressive, EG - and it sounds a wonderful weekend, I just hope you can catch up on your sleep a bit. Weirdly, I've been sleeping a little better in this heat, which I really didn't expect.
    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 Jun 17, 7:55 PM
    • 2,263 Posts
    • 18,239 Thanks
    earthgirl
    I have my organisation system that works for me, try to do it every Sunday. Have tried doing it on my phone but it isn't as good as having it all on paper imo.

    So today eating has been ok, stayed fairly hydrated. Had a lovely time at ds2s sports day, and also a picnic and play on the beach. Wonderful. Not much financial news but these kind of days are important.
    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 20th Jun 17, 9:44 PM
    • 2,263 Posts
    • 18,239 Thanks
    earthgirl
    Eating was ok today, supposed to be a fast day but with he weather we had to have a BBQ so I'll fast on Saturday instead when nothing is going on. Not good at hydration. This is my focus tomorrow. Bike ride done.

    Listed some things on eBay even though I said I wouldn't, just want the summer things gone!

    Have two bnb bookings this week and lots to sort out for that. Grocery shop was £38 this week including BBQ tonight which was a belated Father's Day for fil (£13 grocery spendlast week so pleased with those two figures)
    Buckets of strawberries from the veg patch, plus salad and potatoes.
    My £5 bundle of seeds arrived today for 2018 planting- brilliant!
    My dad brought me a lobster pot which I'm going to learn how to use. Plan is to throw it in the sea and read a book while the tide comes in and out when I'm retired...

    Had an admin day at work and got ahead.

    Ds1 won his race at sports day! He was very moody tonight though, totally exhausted. I have a day off on Friday and hoping to get the veg patch more organised.
    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 21st Jun 17, 7:33 AM
    • 5,973 Posts
    • 43,575 Thanks
    apple muncher
    Well done ds1! We also have lots of moodiness here - most unlike ddd - due to tiredness, heat, sports day practice...
    NST June #1; NSD 16; Ex 15; 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 23rd Jun 17, 3:44 PM
    • 2,263 Posts
    • 18,239 Thanks
    earthgirl
    Eek I have an interview for the education job I applied for. My boss has an interview too for the same job! Oh dear! I really have no chance of getting it, but I'm going to try anyway. It's good for the powers that be to know I'm ambitious (now that ds2 is going to school).

    So unlike!y to succeed I'm not spending any !money on outfits etc and used a voucher for my haircut whoicvh I fitted in this morning. Mi!l is updating my suit and I've borrowed a blouse.
    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 23rd Jun 17, 8:45 PM
    • 5,973 Posts
    • 43,575 Thanks
    apple muncher
    Go you! Hope it is an enjoyable experience.
    NST June #1; NSD 16; Ex 15; 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 24th Jun 17, 2:42 PM
    • 2,263 Posts
    • 18,239 Thanks
    earthgirl
    Today I have

    Cleaned and prepared two bnb rooms (I'm branching out into offering more rooms).
    Done a little bit of interview prep
    Sorted out boys two play dates today
    Booked summer activities - some free - for the holidays for the boys. I've managed to organise all days but one for the first three weeks whilst I'm working in the mornings. Football camp £6/2 hours per child (very expensive but they will love it) relatives every now and again, and a sports club for £3/ 2.5 hrs per child for a few days this is a very good price!
    We are then away for a week and I'm planning nothing but relaxing.

    When we return we will have 2.5 weeks where oh and I will work a little and then try and fit in camping trips too.

    It's going to be a busy summer! I've got over the fact that I'm working a little most days as the boys will enjoy their sports clubs/ visiting friends and relatives for s few hours a day, and I'd have to do this anyway to give them social time / they will soon get sick of 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
    • smallholdingsister
    • By smallholdingsister 24th Jun 17, 4:40 PM
    • 3,219 Posts
    • 23,917 Thanks
    smallholdingsister
    Good luck with the interview!
    • earthgirl
    • By earthgirl 25th Jun 17, 4:31 PM
    • 2,263 Posts
    • 18,239 Thanks
    earthgirl
    And you with yours! I'm more thinking of it as a chance to show my hand and maybe be in line for something else in the future. I can fit that in this week before the hols start. I also have to do my normal job, get organised for August, and throw out/ shred non essentials. In August when I return I will have a new role/boss/office and colleagues. In order to be in line for promotions I need to get into the habit of presenting myself a bit better, both physically and in terms of showing achievements etc to management. With ds2 starting school it's my time!

    Not very polite bnb guests last night. Arrived very late at almost 11. Asked if they could make a sandwich I said sure. They then spent hours cooking a big curry and generally making loads of noise. They also tex me to say they needed more heat /heaters so I had to get up and put the heating on and stay up and switch it off again. They'd have been warm if they'd just gone to bed! They also didn't leave till lunch time. Grrr.. rant over. Mostly bnb guests are fine.

    So today I'm going to
    Get organised for the week
    Post 3 parcels
    Colour my hair
    Weed a bit in garden
    Sunday roast

    i haven't/ won't have time to pre cook meals for when my students arrive this summer. Anyway it's three weeks of two extra hungry mouths to feed so I won't be able to get that far ahead.

    Looking for ideas for cheap filling quick/easy family meals for 6.

    Thinking of :
    Whole roast chicken and veg
    Veg pasta bake, garlic bread, salad
    Chinese noodles plus sauce and wee bit of frozen veg
    Fish and chips
    Pizza chips salad
    Spaghetti Bol
    Curry and naan

    Yoghurts / crumble if oven is on


    Loads of cereals and juice for breakfast
    Sandwiches crisps fruit for lunch

    Snacks - fruit, crackers hummus

    Alternate week meals:
    Omelette
    Sausage and mash plus veg
    Hash
    Chilli


    Really basic but filling meals. Any suggestions?
    Last edited by earthgirl; 25-06-2017 at 4:50 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
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