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  • FIRST POST
    • earthgirl
    • By earthgirl 27th Nov 13, 2:36 PM
    • 2,446Posts
    • 19,716Thanks
    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 70
    • themadvix
    • By themadvix 10th Oct 17, 1:34 PM
    • 1,058 Posts
    • 5,910 Thanks
    themadvix
    I agree with Hidden - look into the job further - the distance is a pain, but would other aspects, money aside, make it a better balance all round? If you don't go for it/don't get it then don't write things off with your new boss straight away - things might settle down once you get to know each other/she might not stick around for that long!

    Don't be too hard on yourself about the football collector book - it's not a life-changing amount of money, you weren't to know and children are fickle!

    Can't help on the friend thing - I have much the same problem sometimes! I think just focus on the family and friends who come from the same 'place' (not literally) as you and understand your outlook. It's hard - especially if this is the first time you've realised that there's a problem.
    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 10th Oct 17, 2:01 PM
    • 27,837 Posts
    • 152,548 Thanks
    Karmacat
    Went to see a friend yesterday but it didn’t go as planned. Felt very deflated and lonely when leaving. Focus on the friends I do have that build me up and maybe just see this friend on social occasions. That’s ok!
    Originally posted by earthgirl
    I agree with what madvix has said. And I admire you for acknowledging it - if I'd done that, and taken steps, I'd have been a lot happier. Trust yourself

    For the job and the football card things - yep, what madvix and hidden are saying!

    As an auntie that bought things at big gaps, it was **horrendous** not knowing what was what, and my sister used to give me updates once they'd sorted a list of different choices.
    Retired August 2016
    • smallholdingsister
    • By smallholdingsister 10th Oct 17, 5:36 PM
    • 3,386 Posts
    • 26,440 Thanks
    smallholdingsister
    That's a helluva pay rise.
    • earthgirl
    • By earthgirl 10th Oct 17, 9:47 PM
    • 2,446 Posts
    • 19,716 Thanks
    earthgirl
    Thank you for all the replies.

    Have talked the job over with OH. The additional travel and responsibilities and the time this would take isnot something I could fit into family life at the moment. I don’t want to give up my time with the children. I’m better doing my side hustles when the kids are in bed for another 3
    A much better day. Worked on new business a little in the morning before work. Managed a run at lunchtime with a bit or wardrobe forward planning.
    Ate healthily and got all of my fruit veg and water in thanks to my salads made on Sunday.

    Did a tutoring tonight in my village, new tutee and fits in with the boys football class £25 in. I’ve also agreed to do a few days of lunch club in the holidays, where I take the kids along as well and they get to do activities too. Im only doing two days out of the 9 I get off and it’s pretty easy.

    Lodger returned yesterday, £850 in in total over about 2 months.

    Feel like I’m back on track with upping my income and watching my spending.
    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
    • Hiddenidenity
    • By Hiddenidenity 11th Oct 17, 10:37 AM
    • 5,035 Posts
    • 22,784 Thanks
    Hiddenidenity
    Glad you're feeling better and it seems you've thought about the job and worked out what's best for you. While money is needed its sometimes hard to remember that it isn't everything. I think finding the balance is important x
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • themadvix
    • By themadvix 11th Oct 17, 12:02 PM
    • 1,058 Posts
    • 5,910 Thanks
    themadvix
    Ditto what Hidden said.

    £850 for bnb is great! Especially if he's so little effort.

    I think you were just having a bad day - it's amazing how things can all slot back into place again quickly sometimes
    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
    • Brodiebobs
    • By Brodiebobs 13th Oct 17, 5:54 PM
    • 759 Posts
    • 3,164 Thanks
    Brodiebobs
    my boys feet grow so fast i do buy branded boots but at discount stores, we have a N£ke outlet about an hours drive away and they have good sales, i got 3 sizes for £7.50 a pair for boots. M&M Direct also have good sales for pairs under £15 (plus cashback with £co) He does occasionally mention others.. some parents paying £110 for kids 'sock' boots

    At our club we also donate outgrown boots and they are sold to raise funds for club... im yet to benefit as mine has the biggest feet

    Hopefully when they start some older teams i'll get some bargains.

    I am honest with mine (a bit older) and say if they want something expensive for xmas/birthday they can but the other gets equivalent (and often a lot more 'stuff' for the cash!)
    Addicted to MSE.
    Overpaying mortgage for a better debt free life!
    • earthgirl
    • By earthgirl 14th Oct 17, 9:15 PM
    • 2,446 Posts
    • 19,716 Thanks
    earthgirl
    Thanks, It was weird this week, conflicting emotions about buying for the children.

    Upping my income going well though, 2.5 hours tuition completed. More booked in for next week along with lunch club twice.

    Spendy few days though my boss retired so £22 spent on meal (drank water) £10 on gift. £22 on taking my mum and the boys out for lunch today. It was in a not for profit community cafe with amazing activities for the boys which they loved, so if I had to spend £22, glad it was there, and I don’t give enough to charity anyway. I have a £10 budget for weekend s so it’s a bit over!

    I have a week off work now and I’m going to try and do free things for the rest of the week. I’m visiting my mum for the first part of the week and there are loads of things to do for free like visit different parks.

    My brother has moved house and seems to be being a bit more sensible with money to get rid of debts. I hope.

    I’ve managed three runs this week and I’m really enjoying it. My pre made salads are a godsend so whilst I’ve lots to work on as always, I’m doing much better on the healthfront.

    Off to enjoy a good book and then nice day planned tomorrow, picnic in park with family. Yey for good weather for my October hols!
    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 Oct 17, 7:47 PM
    • 2,446 Posts
    • 19,716 Thanks
    earthgirl
    A no spend day. Played in the park, walked and picnicked with my family. Gorgeous weather and a lovely day. I’m really enjoying relaxing and not doing anything!

    I’ve done my shop and scan and a wee bit of spelling and maths with the kids.

    I’m just going to focus on doing the basics and having nsds.
    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
    • Hiddenidenity
    • By Hiddenidenity 15th Oct 17, 7:56 PM
    • 5,035 Posts
    • 22,784 Thanks
    Hiddenidenity
    Have a lovely half term EG 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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