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  • FIRST POST
    • earthgirl
    • By earthgirl 27th Nov 13, 2:36 PM
    • 2,481Posts
    • 20,367Thanks
    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
    • 1,149 Posts
    • 6,712 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
    • 28,189 Posts
    • 155,313 Thanks
    Karmacat
    Went to see a friend yesterday but it didnít 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. Thatís 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
    • 3,557 Posts
    • 27,746 Thanks
    smallholdingsister
    That's a helluva pay rise.
    • earthgirl
    • By earthgirl 10th Oct 17, 9:47 PM
    • 2,481 Posts
    • 20,367 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
    • 4,230 Posts
    • 26,461 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
    • themadvix
    • By themadvix 11th Oct 17, 12:02 PM
    • 1,149 Posts
    • 6,712 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
    • 762 Posts
    • 3,179 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
    • 2,481 Posts
    • 20,367 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
    • 2,481 Posts
    • 20,367 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
    • 4,230 Posts
    • 26,461 Thanks
    Hiddenidenity
    Have a lovely half term EG x
    • Karmacat
    • By Karmacat 17th Oct 17, 10:41 AM
    • 28,189 Posts
    • 155,313 Thanks
    Karmacat
    Yep, sounds good, a relaxing time is going to be just what you need
    Retired August 2016
    • earthgirl
    • By earthgirl 18th Oct 17, 9:32 PM
    • 2,481 Posts
    • 20,367 Thanks
    earthgirl
    Had a lovely relaxing time at my mums. Hardly did anything! Most days took the kids to the park and they played football for hours. There is s green gym there and I love it to add variation to my running, and I can workout and watch the children playing.

    I drove back last night and when I asked the children what they wanted to do today they just wanted to play football in the garden. Did some gardening/ tidied up for winter. I’ve moved gladioli back to make space for new plants I’m going to attempt to grow from seed in spring. Cleaned out the hens and generally pottered about in the garden. I love days like these! Went for tea at parents in law too which was lovely.

    Tomorrow I need to
    get the tennis stuff sorted for a free kids tennis event
    Do a meal plan and shopping list before grocery shop
    Work at lunch club
    Get tutoring documents ready for tutoring client in the afternoon
    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 19th Oct 17, 7:54 PM
    • 2,481 Posts
    • 20,367 Thanks
    earthgirl
    very strange day!

    Grocery shop was great £15. Still £25 left to top up next week. Kids maths and spelling done. Lunch club was stressful 2 hours, accidents incidents and no lunch arrived! Got through it but stress of being in charge of that has given me sore shoulders.

    Took kids to free tennis event but was late due to lunch club debacle, so was running. A dog chased me and bit me on the bottom. Owwwww. No blood thank goodness. Told the owner but was so shocked and late I didn’t report it and I should have

    Anyway tennis was good, changed Library books and one tutee tonight, so £55 in extra today. Laughing about being bitten on my bottom but feel bad for not reporting but it was an old dog and the owner saw.
    Last edited by earthgirl; 19-10-2017 at 7:56 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 19th Oct 17, 9:45 PM
    • 28,189 Posts
    • 155,313 Thanks
    Karmacat
    Woah, a dog bite? I understand there may be an embarrassment factor with it being on your bum, but ... get it **properly** cleaned, okay? Infection is not something to be taken lightly

    Hope you're okay.
    Retired August 2016
    • earthgirl
    • By earthgirl 20th Oct 17, 8:58 AM
    • 2,481 Posts
    • 20,367 Thanks
    earthgirl
    It didn’t break the skin so it’s just a bruise. Wasn’t embarrassed just shocked! Hope it hasn’t made the kids scared of dogs, just suitably wary, that would be a positive!
    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
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 20th Oct 17, 4:37 PM
    • 3,938 Posts
    • 36,311 Thanks
    Secret Saving Squirrel
    I think you are right about not pursuing the other job as that is another hour a day in the car, five hours a week, twenty hours a month..... Such a waste of life. Looking back, I really regret spending so much precious time sitting in traffic.

    And your life is busy enough as it is! I hope you had a great half term x
    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
    • pinkypig
    • By pinkypig 21st Oct 17, 9:41 AM
    • 753 Posts
    • 6,496 Thanks
    pinkypig
    I once got chased by a farm dog whilst out running in France when we were on holiday. It really scared me (improved my mile time a bit though ). Hope you're not too sore xx
    • earthgirl
    • By earthgirl 21st Oct 17, 10:51 AM
    • 2,481 Posts
    • 20,367 Thanks
    earthgirl
    No not too sore thanks pinky. And thanks sss for the comments re promotion. Yes these next five years around about family not money or careers. She says on a money forum! But doing the family thing frugally and valuing time highly

    Anyway yesterday lunch club was fine. Took the boys to a free spooky forest event which wa great, then a walk to a waterfall. Very scenic and we will go back.

    Today eldest is going to s friends to play later, and ds2 and I are going to a pet workshop thing. We will all come back here for a film night. Hopefully a nsd!
    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
    • cookie9
    • By cookie9 21st Oct 17, 3:11 PM
    • 738 Posts
    • 3,649 Thanks
    cookie9
    So sorry about the dog bite. On the job front money is important but not at the expense of family time. Time is precious.
    MFW 91 op 2014 £410/1000
    MFW 91 op 2015 £4051/4000
    MFW 91 op 2016 £4040/4000
    MFW 91 op 2017 £812/4500
    • earthgirl
    • By earthgirl 21st Oct 17, 10:03 PM
    • 2,481 Posts
    • 20,367 Thanks
    earthgirl
    Wonderful day but not a nsd. Decided to take ds2 out for a mummy son lunch, first time ever, it was lovely! £8 spent. Weekend budget is £10 do under budget. Free pet workshop was great and I got a few things from the £ shop (dehumidifier things, a few other house things).

    Lovely film night and now thinking I’ll need to have quite a busy Sunday (morning at least) to get organised for the week ahead. Ive had a holiday but it’s been a holiday from all things really so I need to get back to it.
    - hoover
    - clean end room for lodger to return
    -cook evening meal
    - prep lunches for week
    - shop and scan
    - organise the week in my diary
    - losely organise outfits for the week

    Back to focus on health and wealth after a lovely family focused October break.
    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
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