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    • earthgirl
    • By earthgirl 27th Nov 13, 2:36 PM
    • 2,456Posts
    • 19,809Thanks
    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 62
    • Brodiebobs
    • By Brodiebobs 4th Jul 17, 12:04 PM
    • 760 Posts
    • 3,168 Thanks
    Brodiebobs
    My dog is terrified of our chucks, will walk all round the perimiter get back into the house and avoid them!

    Are you sure it wasn't a fox? they have young at the moment and always get more brazen when they're hungry and have trainee hunter in tow. We've seen them late morning and around 4pm hanging around our land, and they don't seem afraid of us or the dog either!
    Addicted to MSE.
    Overpaying mortgage for a better debt free life!
    • earthgirl
    • By earthgirl 4th Jul 17, 7:47 PM
    • 2,456 Posts
    • 19,809 Thanks
    earthgirl
    I suppose it could have been a fox, but they normally go for the kill. Suppose it could have been a young one, out of its depth? Anyway my chicken may still make it. Wounds bathed and she is still eating and drinking a little. She laid an egg, later today, bless her. Really hope she pulls through.
    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
    • themadvix
    • By themadvix 6th Jul 17, 10:43 AM
    • 1,063 Posts
    • 6,036 Thanks
    themadvix
    Hope your busy time is going smoothly EG!
    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 6th Jul 17, 9:51 PM
    • 2,456 Posts
    • 19,809 Thanks
    earthgirl
    Thanks! It's going ok.

    The kids are having a GREAT holiday. They love being with the students and one of the students in particular plays (mostly football) with them all the time. They have also thouroghly enjoyed their football course which finished today.

    I am getting a bit exhausted with teaching (3hrs per day) lunch job and taking the students (and my kids) on excursions, as well as cooking and tidying. With the hen needing to be hand fed and wounds tended since Monday and the extra worry that has caused, I haven't attempted anything else. Fell asleep this afternoon and oh cooked tea for us all which was lovely. I've eaten pretty badly and I have had a glass of wine each night
    Which I have really enjoyed!

    So opportunities:
    Hen looks to be physically improving. Hoping she'll begin to leave the coop and feed herself in the next few days. This will save me an immeasurable amount of time.
    Last day of 2 jobs tomorrow. Be as efficient as I can with the work to allow more time off.
    When work is finished get back to my MSE's ways:

    - eat at lunch club, feed children there too.
    - no wine on a school night, stop over eating and keep hydrated.
    - grocery shop for cheaper "student feeding" meals.
    - use my spare time to:
    ~clean
    ~work on ohs business
    ~ sort out savings accounts
    ~sort out pensions

    Little things to do:
    Meter reading
    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
    • themadvix
    • By themadvix 7th Jul 17, 10:21 AM
    • 1,063 Posts
    • 6,036 Thanks
    themadvix
    It sounds like it's going well. Thanks for the hen update - I wanted to ask, but didn't want you to feel pressured to reply as it's all so busy. I'm glad she's improving!

    It's lovely that the students play with your boys - and it must be helpful too, them entertaining each other

    All the running around you're doing, I imagine you need the extra calories you've been eating/drinking!
    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
    • Karmacat
    • By Karmacat 7th Jul 17, 11:21 AM
    • 27,868 Posts
    • 152,777 Thanks
    Karmacat
    It sounds like it's going well. Thanks for the hen update - I wanted to ask, but didn't want you to feel pressured to reply as it's all so busy. I'm glad she's improving!

    It's lovely that the students play with your boys - and it must be helpful too, them entertaining each other

    All the running around you're doing, I imagine you need the extra calories you've been eating/drinking!
    Originally posted by themadvix
    Agreed plus, your spare time is, y'know, spare ... sitting in a patio chair for 10 minutes, that sort of thing. You're not at school, so you may think you're not working, but you are.

    Even if it was "just" about looking after your own kids! In Consciousness Raised times, when that was a thing, we described stay at home mums as "not in paid employment" - i.e., they're in full employment, thank you very much, it just doesn't have a salary. That's just one part of what you're doing right now

    Save
    Retired August 2016
    • earthgirl
    • By earthgirl 8th Jul 17, 10:00 PM
    • 2,456 Posts
    • 19,809 Thanks
    earthgirl
    Karma, was just thinking the same thing that looking after kids is a big job. Proud of myself for entertaining them and two teenage strangers - it's tough going sometimes!

    So I've been much more productive and posting here to encourage myself!
    I have:
    Sent all my end of week teaching documents
    organised childcare for next week, paid fees and emailed relatives who are helping.
    Done all student washing, changed their beds and towels
    Taken all kids out for the day £6 spent on Ice creams
    Done a grocery shop (£50, much better!)

    Although this doesn't seem very money saving, having the students and the lunch job, and the work put into making it possible and cost effective, makes a big dent in our mortgage debt.

    To keep the momentum going:
    Finish cleaning bathrooms ANd toilets
    Finish washing
    Work on ohs business
    Banking

    I'm going to do something nice with the kids tomorrow afternoon, just me and them

    The hen is looking pretty good and was up and about drinking and eating as normal.
    Last edited by earthgirl; 08-07-2017 at 10:03 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 Jul 17, 8:05 PM
    • 2,456 Posts
    • 19,809 Thanks
    earthgirl
    Hen properly back to normal in less than a week. We thought we'd have to put her down, so loads of work has gone into getting her feeding and drinking again. Whether she will lay again I'm not sure, we will keep her anyway as she Is such a fighter. So my spare time is no longer spent dripping water on a hens beak!

    I've managed to do most of my to do list. I've looked at savings accounts and pensions (have a bit more investigation to do, find pensions very complicated).

    I've looked at my expenses per month and it's 2k per month. Some items have improved (we don't spend much on entertainment and eating out) but most expenses have increased, particularly energy costs.

    We have six months expenses saved in current accounts with 3-5 percent interest, easy access. Need to decide what to do with the rest of our assets.
    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
    • shangaijimmy
    • By shangaijimmy 9th Jul 17, 8:34 PM
    • 2,207 Posts
    • 10,146 Thanks
    shangaijimmy
    Good progress in here. I'd love to do a spend type diary but have no chance with Mrs SJ. She' sticks to budgets to be fair though so i cant complain (too much). As a suggestion for other assets have a look and consider p2p lending. I opened a funding circle account last year, which i started with £300, and i've steadily added to it with some of our long term savings (we won't touch this for at least 10yrs) and now at £1,400 with a current yield of 7.2%. Very straight forward to use.
    MFW: Turning June 2036 into March 2023... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • Karmacat
    • By Karmacat 10th Jul 17, 9:04 AM
    • 27,868 Posts
    • 152,777 Thanks
    Karmacat
    Those are good percentage interest accounts, EG, nice one.
    Retired August 2016
    • earthgirl
    • By earthgirl 10th Jul 17, 7:53 PM
    • 2,456 Posts
    • 19,809 Thanks
    earthgirl
    Thanks sj and KC. I have a little in p2p, but could do more.

    Low spend day. Just needed bread and eggs. With the students we eat a loaf a day.

    Other than that, kids entertained for free at the library events in this town and the next. Worked for 3 hours this morning teaching. Cooked a cheap meal for tea and just watching tennis now.
    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 12th Jul 17, 5:17 PM
    • 2,456 Posts
    • 19,809 Thanks
    earthgirl
    After a few days were frankly I was only doing the minimum, I have been a lot more organised and hard working today. And I also felt better about myself and got all the things I needed to do done, and a lovely trip to the beach with the kids and no students.

    Bnb guest tonight so £36 in, as well as students.

    Since coming back from the beach students have been playing with the boys and I'm having ten more minutes and then I'm going to see how much I can do I one hour.
    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 12th Jul 17, 9:13 PM
    • 6,426 Posts
    • 46,900 Thanks
    apple muncher
    Oooh, how much did you get done in your hour? Bet it was loads!

    Your organisation skills are what is making it all work. You are an excellent inspirational example to me!
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 12th Jul 17, 10:03 PM
    • 2,456 Posts
    • 19,809 Thanks
    earthgirl
    I say just an hour but it turns into 3!
    Everything fine and starting to get ahead again. Tomorrow's lunch made and everybody's breakfast ready to go.

    Just popped by to say I had to conserve hot water as we have so many people who will need showers. It was amazing how much I didn't use when I really focused.

    Rinsed dishes with cold water.
    Wiped bathroom with cold water.
    I jumped in the kids bath to save a shower.
    I turned down the temp on the shower... pretty sure students will notice but it might save a bit.

    I wondered what I could save on if I was more mindfull:
    Car fuel
    Lighting
    Spot washing
    Some fluids such as milk
    Treats / We could definitely think more carefully about those!
    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 14th Jul 17, 7:46 PM
    • 2,456 Posts
    • 19,809 Thanks
    earthgirl
    Tired and having a motivation slump. In pain (reoccurring shoulder injury) but Not going to give up on my goals though!

    I took the students shopping and spent £14 on two presents, done housild items, a few things for kids. Some of if it was uneccessary and I was not in the MSE zone.

    Today I have finished teaching current students and sent off their reports etc. Cooked three meals. Had ds2s friend to play. Drank more water than yesterday.

    Now tomorrow I need to:
    Get diet, exercise and hydration back on track
    Get savings sorted
    Do work on ohs business
    Clean house
    Get rooms ready for next students/ bnb guests.

    It's my birthday tomorrow but all I want is just to get ahead again
    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
    • EatingTheElephant
    • By EatingTheElephant 15th Jul 17, 3:59 PM
    • 1,128 Posts
    • 6,070 Thanks
    EatingTheElephant
    Happy birthday EG
    Hope you're having a lovely day.
    • pennywisepoundstupid
    • By pennywisepoundstupid 15th Jul 17, 4:19 PM
    • 4,293 Posts
    • 12,888 Thanks
    pennywisepoundstupid
    Happy birthday, I hope you have had a lovely day.
    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
    • Courgette
    • By Courgette 15th Jul 17, 6:03 PM
    • 1,710 Posts
    • 17,713 Thanks
    Courgette
    Happy birthday Earthie! Hope your boys are treating you!
    A reminder to myself: Persistence Pays Off
    Mortgage 1: £95,000 £78,900 at 3.1%
    Mortgage 2 (BTL): £83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): £3000 Plus 6 months emergency savings earning 3%
    • apple muncher
    • By apple muncher 15th Jul 17, 9:46 PM
    • 6,426 Posts
    • 46,900 Thanks
    apple muncher
    Happy birthday! Have some cake and chocolate - no need to share it, you can scoff it all yourself... x
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Hiddenidenity
    • By Hiddenidenity 15th Jul 17, 10:20 PM
    • 5,074 Posts
    • 23,364 Thanks
    Hiddenidenity
    Happy Birthday! Hope you've had a wonderful day x
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
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