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  • FIRST POST
    • earthgirl
    • By earthgirl 27th Nov 13, 2:36 PM
    • 2,412Posts
    • 19,471Thanks
    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 67
    • apple muncher
    • By apple muncher 3rd Sep 17, 6:29 PM
    • 6,323 Posts
    • 46,043 Thanks
    apple muncher
    Hope that any rain you had didn't spoil the day out.
    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 5th Sep 17, 4:08 PM
    • 2,412 Posts
    • 19,471 Thanks
    earthgirl
    No it was lovely apple. Just shows you doing stuff outside and getting soaked is actually ok!

    I have been off work for a few days feeling really ill. Tooth ache ear ache all sorts of aches really! I have mostly slept. Planning on taking tomorrow off as well, hopefully I'll be back by Thursday. I just feel like I've got no energy!

    Boys are up at football class so I'll get some fresh air.
    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 5th Sep 17, 4:38 PM
    • 6,323 Posts
    • 46,043 Thanks
    apple muncher
    Take care of yourself x
    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
    • Hiddenidenity
    • By Hiddenidenity 5th Sep 17, 8:32 PM
    • 4,769 Posts
    • 20,788 Thanks
    Hiddenidenity
    Take care of yourself x
    Originally posted by apple muncher
    From me too! Hope you're feeling better soon x
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • earthgirl
    • By earthgirl 5th Sep 17, 8:38 PM
    • 2,412 Posts
    • 19,471 Thanks
    earthgirl
    Thanks just realised how stupid my post sounds... go out in the rain, get soaked- it's great! And then actually I'm really ill now and ache all over!! Coincidence? Doh!

    Anyway, despite lots of rest I'm still tired out do going for an early night. Want to get back to rocking things off my list soon.
    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
    • smallholdingsister
    • By smallholdingsister 6th Sep 17, 6:55 PM
    • 3,320 Posts
    • 26,024 Thanks
    smallholdingsister
    Get well soon xxx
    • earthgirl
    • By earthgirl 10th Sep 17, 8:38 AM
    • 2,412 Posts
    • 19,471 Thanks
    earthgirl
    Thanks sss. It floored me for a few days and then I felt ok again- back to work on Thursday. The end of the week was pretty manic and then we rushed off to our night away in a hotel last night. It was great and really good value. We managed a couple of swims in the hotel pool and visited a lovely country park for the day yesterday. I took picnic ingredients and snacks to keep the cost down and we were home for tea.

    Some frugal or life wins:
    Found two pound coins in lockers st the pool
    Got my veg patch weeded and organised (big job!) did the flower bed as well and ordered seeds for perennials to go there so hoping that I won't have to buy anything for there ever again (cost £5, neighbour says I can use her greenhouse to start then off)
    Got ds1s party organised, its next sat. I have quite a lot to do for that.
    Have been working on ohs business
    Groceries were £30 again this week (think I've nailed it!)
    £20 from surveying, £5 from sun savers (free via fil) used to buy some wine. Need to keep this going, it works for me!
    A few good workouts done.

    Frugal/life fails:
    Not much except ate a lot when we were away. It was a yummy treat though!

    Opportunities
    Speak to bosses and union about moving locations st work. Just to make sure.
    Savour the tme I have with the children, survive the rest, enjoy the interesting young boys they are becoming and look forward to the future.
    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 Sep 17, 7:19 AM
    • 2,412 Posts
    • 19,471 Thanks
    earthgirl
    A Busy few days again, a quick update:

    Frugal or life wins:
    We have a ten day bnb booking, he is great so £330 in!
    Managed to plan out ds1s party for mostly free, just need a bit of party food, and it's going to be sunny on Saturday (I hope!)
    Have worked on ohs business.

    Frugal or life fails
    A bit stressed at work, I can sort this though.
    My car probably needs new brake pads to pass mot, going to go to trusty garage tonight. Did take it out of the dealership garage as theybwuoted me £339, know it'll be cheaper in the local garage.
    2 sleepless nights, easy to sort with getting everything done doing the day, and a screen time ban after 9pm)

    Need to put more into my day so that I can feel more relaxed. Going to try apples idea of allocating time and making a list.
    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 Sep 17, 7:25 AM
    • 2,412 Posts
    • 19,471 Thanks
    earthgirl
    Weekly list:
    Health:
    Eat mindfully, do sugar swaps
    Drink 8 glasses of water per day
    Exercise 5 times per week

    Wealth
    Food budget of £30 per week (did it this week, need to keep it going)
    Get bnb room ready when required
    Work on ohs business 5 hours per week
    Finish all banking tasks
    Start phase one of business, finish by end of sept (eek!)

    Life well lived
    Keep my cool with the children, divide and conquer!
    Plan activities each weekend (get all cleaning etc done during the working week)

    Other:
    Get garden tidy
    Plan ds2s party
    Organise ds2s presents and wrap

    Today's list

    So today I'm going to try to
    rescue the food budget by planning till next Thursday from stock. I have £10 left after a top up shop that wasn't cheap to be fair I did have to get toilet roll and cereals for bnb guest, will give myself an extra fiver this week)
    Cleaning tasks for the week
    Get sorted at work
    Eat and drink well
    Exercise
    Another hour on ohs business
    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 14th Sep 17, 10:58 AM
    • 27,736 Posts
    • 151,608 Thanks
    Karmacat
    There are costs associated with the airbnb booking, of course - and ooh, that length booking with one person that you know is a good'un sounds brilliant. Hope the rest of the shopping goes well.
    Retired August 2016
    • apple muncher
    • By apple muncher 14th Sep 17, 5:10 PM
    • 6,323 Posts
    • 46,043 Thanks
    apple muncher
    Glad to hear that your airbnb guest gets loo roll!!!
    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
    • themadvix
    • By themadvix 15th Sep 17, 9:41 AM
    • 1,029 Posts
    • 5,443 Thanks
    themadvix
    Great that you've got one booking for 10 days - that must make the time/profit ratio much better!
    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
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 15th Sep 17, 4:26 PM
    • 3,865 Posts
    • 35,840 Thanks
    Secret Saving Squirrel
    Yes, that is great. Especially when it is someone you know. Well done on keeping on whittling away at the mortgage whilst still living a full life.
    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 16th Sep 17, 8:52 AM
    • 2,412 Posts
    • 19,471 Thanks
    earthgirl
    Thanks for your comments, and sss that's the trick, still living a full happy and healthy life...one day I'll get there!!

    So ds2s party today in the woods. We might get rain so I'll go up soon and put a tarp up. Fingers crossed I can still get a campfire going for their lunch!! So a very diy party, about £5 spent on food but this came out of our normal food budget spend , £5 on cake. Party bags free from the ends of packs people have given me, a few sweets again that were gifts, a wee toy that I've saved from things here and there, and a big slab of HM chocolate cake!

    Grocery shop came I in at £12 even with the party food, so I have £3 left for milk and bread in the week, and a store cupboard week which looks like:
    Loads of fruit for snacks
    Cereals and toast for breakfast
    Sandwiches for lunch, few packets of hulahoops left from party
    Cheese/bacon sandwich mix to make it go further in the sandwiches.
    Meals:
    Pizza and salad
    Chicken curry from freezer
    Honey and garlic chicken from freezer, potatoes garden veg
    Omelette salad potato salad
    Chickpea curry
    Bacon pasta and sauce

    So really we won't be starving! I might make a few blackberry crumbles to fill them up, and if I have more veg than fruit for snacks it leaves more fruit for the kids.

    I managed to do all my cleaning tasks, get things back on track at work, do some exercise and work on ohs business. Not awful with eating and drinking but not great, area to work on!

    Got my car fixed for £80, £300 cheaper than the main dealer quote. Also the bnb guest wants to book till end of October at a cheaper rate per night

    Today's list:
    Go set up in the woods and put all my energy into making sure it's a great party!
    Eat and drink well (big focus for 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
    • smallholdingsister
    • By smallholdingsister 16th Sep 17, 9:30 AM
    • 3,320 Posts
    • 26,024 Thanks
    smallholdingsister
    Ten days is a great booking.
    • earthgirl
    • By earthgirl 17th Sep 17, 7:56 AM
    • 2,412 Posts
    • 19,471 Thanks
    earthgirl
    Ten days is a great booking.
    Originally posted by smallholdingsister
    He has now said he wants to book rest of sept and October too! This would be great!
    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 17th Sep 17, 8:08 AM
    • 2,412 Posts
    • 19,471 Thanks
    earthgirl
    Ds2s forest party was good and CHEAPEST party ever, a fiver for a cake topper and the rest out if grocery spends. He really enjoyed it, along with the others, highlight being cooking on the open fire and eating in the den
    Should have a cheap cinema trip style party for ds1 in the future with a few pals, and maybe one or two more parties for ds2 to do in the future then that's me off the hook!

    Anyway was quite tired after that and it poured down in the afternoon so we had a home day. Ds1and 2 played with toys and I read a book. We were all just together and had the curry from the freezer for tea.

    So no more lazing around. I'm up for getting things a bit more energetic and productive around here!

    This weeks list:

    Health:
    Eat mindfully, do sugar swaps
    Drink 8 glasses of water
    Exercise 5 times per week

    Wealth
    Food budget of £30 per week (did it this week, need to keep it going)
    Get bnb rom ready when required
    Work on ohs business 5 hours per week
    Finish all banking and Filing tasks
    Start phase one of business, finish by end of sept (eek!)

    Life well lived
    Keep my cool with the children, divide and conquer!
    Plan activities each weekend (get all cleaning etc done during the working week)


    Today I'm going to;
    Do the cleaning tasks id forgotten about on my list
    Shopand scan
    Entertain the kids
    Visit grandparents
    Play in beach and get shells for hens
    Work on new business

    I now feel like I'm managing day to day and week to week so it's time to look at that new business venture. Looking after the kids10-7 today as usual, which comes first
    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
    • smallholdingsister
    • By smallholdingsister 17th Sep 17, 8:21 AM
    • 3,320 Posts
    • 26,024 Thanks
    smallholdingsister
    I am worried about you sleeping on the boys' bedroom floor for all that time?
    • Karmacat
    • By Karmacat 17th Sep 17, 11:16 AM
    • 27,736 Posts
    • 151,608 Thanks
    Karmacat
    I am worried about you sleeping on the boys' bedroom floor for all that time?
    Originally posted by smallholdingsister
    I missed that! For the sake of your back, EG, you might need an air mattress.

    Oh wait, you sleep in the children's room whenever you have guests, yes? I remember. Still no point hurting your back, though.
    Retired August 2016
    • apple muncher
    • By apple muncher 17th Sep 17, 2:25 PM
    • 6,323 Posts
    • 46,043 Thanks
    apple muncher
    The party sounds fantastic!
    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
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