Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • earthgirl
    • By earthgirl 27th Nov 13, 2:36 PM
    • 2,481Posts
    • 20,364Thanks
    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 73
    • pennywisepoundstupid
    • By pennywisepoundstupid 19th Nov 17, 12:47 PM
    • 4,437 Posts
    • 13,864 Thanks
    pennywisepoundstupid
    Hi Earthgirl,glad to hear your back is feeling a lot better.

    Regarding gifts from santa for your boys,when my DD/DS were little I would get them to write a little list for Father Chritmas, they were only allowed to ask for 3/4 items (they got more presents than this), I told them Father Christmas would think they were being greedy if they asked for more and he had to share the presents fairly. Once the list was written and sent that was it they couldn't change their mind as the elves were very busy and would get upset if you messed them around and also if you changed your mind near Christmas they might have already given those presents to other children and so you might not get anything (mean I know), it mean't my children had to sit and think about what they really wanted/needed rather than everything they saw. I have now found that as teenagers they don't seem to be as greedy as some of their peers that expect to be bought everything and anything. In fact both of mine have asked for money for Christmas to go to the sales, I have asked them to write me a list of 3/4 little things they would like so they have extras to open on Christmas day, so far DS has come up with north face gloves, yes expensive nut practical and will last him many years and DD has asked for fluffy PJs.

    XX
    Last edited by pennywisepoundstupid; 19-11-2017 at 12:49 PM.
    Be mindful of your self-talk. It's a conversation with the Universe."

    Debt free and saving for my future
    • earthgirl
    • By earthgirl 19th Nov 17, 6:46 PM
    • 2,481 Posts
    • 20,364 Thanks
    earthgirl
    Thank you pennywise, such a lovely post and very useful. Discussed it as you described with my two and they are going to think about it.

    If all else fails I’ll make them a voucher for a cinema trip or a Lego discover centre visit. But really, they are going on holiday on Boxing Day so don’t need much.

    A lovely nsd. I’m visiting my mum so saw my brother and family today. Took kids to park for football and I’m now having the best cuddles on the sofa.

    I’ve got things to do when the kids in bed:

    Get Mum to trim my hair
    Write Christmas cards
    Sort out box of doom (kids things that need putting into scrapbooks)

    Tomorrow
    Work on ohs business
    Mystery shop
    Make salads for week for lunches
    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 Nov 17, 6:49 PM
    • 28,185 Posts
    • 155,289 Thanks
    Karmacat
    How lovely! A great idea to help children *focus* at Christmas, and a great weekend for you right now, earthgirl - have a lovely evening with your mum.
    Retired August 2016
    • smallholdingsister
    • By smallholdingsister 19th Nov 17, 7:38 PM
    • 3,557 Posts
    • 27,746 Thanks
    smallholdingsister
    I love reading your posts, they are always so thoughtful and positive.
    • WannabeFree
    • By WannabeFree 24th Nov 17, 6:43 PM
    • 432 Posts
    • 2,964 Thanks
    WannabeFree
    I love reading your posts, they are always so thoughtful and positive.
    Originally posted by smallholdingsister
    Me too x

    Glad you're back is feeling better too x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • earthgirl
    • By earthgirl 24th Nov 17, 6:55 PM
    • 2,481 Posts
    • 20,364 Thanks
    earthgirl
    Thanks karma and sss.

    I had a lovely weekend at mums and really busy week. Oh is cooking curry so I’m catching up on diaries. I’ve been so busy I just couldn’t update on here. So a big catch up.

    Health
    Yey I’ve been doing a low impact workout three mornings a week and I’m in no worse pain than before. I’ve also been treated to cakes at work 4times this week -not great. Salad and fruit intake good for me fair for everyone else- must try to get more into them.


    Wealth
    Mum cut my hair so at least £10 saved. Bought a couple more presents for aunties and a xmas stocking toy for the boys all for £3 each.

    Our scales broke so purchased new for £5.

    Charity shop had half price sale so bought a few items. Black pencil skirt and slim leg trousers, a chunky statement necklace. Replaced a smash teapot and milk jug all for £9.

    Mum gave me £50 for xmas which covers this and a hen run. Keeping the hens from heading over the fields saves me lots of time and they still have a massive area to roam. £35 spent.

    I feel like I’ve not been putting in much effort at my work so more on that next week.

    Grocery shop ok but took advantage of some Wine offers. £50 spent on wine, some of this is to take to a friends tomorrow.

    Life well lived
    I’ve been enjoying meditating every day on different topics. It’s guided meditation minis podcasts and it’s brulliant. Sometimes I do it with a child if they can’t sleep. It’s lovely.

    I’m visiting a friend this weekend so I’m hoping it’s a cheap one full of fun. Hoping to call into a brilliant pool on the way home.
    Last edited by earthgirl; 24-11-2017 at 7:45 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 25th Nov 17, 9:24 AM
    • 28,185 Posts
    • 155,289 Thanks
    Karmacat
    That's another brilliant post! I like the sound of the hen run - saving you time, maybe keeping them safer too - there are foxes in them there fields, I'm sure!

    Have a lovely weekend.
    Retired August 2016
    • earthgirl
    • By earthgirl 26th Nov 17, 8:55 AM
    • 2,481 Posts
    • 20,364 Thanks
    earthgirl
    Wannabe free I cross posted thanks for stopping by, it means a lot x

    Thanks karma I’m not sure the hen run is such a good buy on paper (some very expensive egg production there!) but we have hens and keeping them in one field is easier than true free roaming across all the fields.

    I’m having a lovely weekend at friends. Not cheap as we have to fit into their lifestyle but it’s a one off. £50 spent on tea last night, £30 of wine I brought was drunk last night and I think we are out for coffee etc today so more expense. But I’m chalking it up to life well lived and having a lovely time with friends.

    Hope everyone have a good time
    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 26th Nov 17, 11:45 AM
    • 1,149 Posts
    • 6,711 Thanks
    themadvix
    It's all sounding very positive over here at the moment - so glad you're enjoying life and back is 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
    • Needhelpsaving
    • By Needhelpsaving 26th Nov 17, 7:36 PM
    • 627 Posts
    • 2,625 Thanks
    Needhelpsaving
    It's ok to treat yourselves, you have worked so hard to get to where you are.
    Target 1 - Emergency Fund Currently £1250.32/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £3589.11/£4000
    • earthgirl
    • By earthgirl 26th Nov 17, 7:47 PM
    • 2,481 Posts
    • 20,364 Thanks
    earthgirl
    Thanks the madvix back still sore but ok.
    NHS thanks it’s weird to buy both tea out and then lunch out today but we can’t not see friends and we can afford it but It’ll be our whole December entertainment budget. There are loads of things going on in December so that should be easy. As the kids colds are better I will take them swimming a few times though.
    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
    • WannabeFree
    • By WannabeFree 29th Nov 17, 11:12 AM
    • 432 Posts
    • 2,964 Thanks
    WannabeFree
    Hope you had a lovely weekend x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • earthgirl
    • By earthgirl 29th Nov 17, 9:38 PM
    • 2,481 Posts
    • 20,364 Thanks
    earthgirl
    thanks wf. Lovely weekend but about £75 spent. We will keep the entertainment budget at £0 for December though to make up for it. I love a challenge!

    On Saturday I’m going out with my friends for drinks but I have a few ideas on how to do this for free. It’s starting out at a friends house anyway so that’s a good start.

    Horrible few days, two trips to hospital one for ds2 (emergency, all fine now) and me (scheduled surgery but still pretty full on) managed to go into work though and did it without a day off. Work very very grim at the moment so I’m saving my sick leave for when I really need it practising leaving work at work and letting things wash over me when I’m there.

    Financially I have a fairly well paid job with good holidays. If I can manage this stress and still be happy then I’ll be fine.

    Dentist trip tonight was fine and £10 spent.
    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 30th Nov 17, 6:47 AM
    • 6,654 Posts
    • 48,773 Thanks
    apple muncher
    Oh my! Being busy with hospital trips aint nice. Hope it sorted things out.

    Sorry work is so grim - hang in there. Are there things that you can do that make it easier for you to be there?

    Thinking of you.
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • themadvix
    • By themadvix 30th Nov 17, 8:54 AM
    • 1,149 Posts
    • 6,711 Thanks
    themadvix
    Sorry to hear about the hospital trips and work - it must be bad if you are that desperate to keep your sick leave

    Enjoy the drinks tomorrow!
    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 2nd Dec 17, 12:19 PM
    • 2,481 Posts
    • 20,364 Thanks
    earthgirl
    Thank you for your support. I posted last night but it obviously didn’t work

    The last few days at work have been similarly trying. I also had some bad news to deal with too, don’t think I can post about it as it is a police matter. My back and my mental health was so poor last night that I hardly got a wink of sleep .

    Today is a “be kind to yourself day”. I can’t tske on everything, so I’m going to do the things I need to do and have a nap before hopefully having a nice night out with friends.

    Seriously thinking about taking time off work now and going back to the doctors. My boss told me via email to cancel my physio appointment which is shocking so I feel like some proper r and r is in order.
    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 2nd Dec 17, 12:57 PM
    • 28,185 Posts
    • 155,289 Thanks
    Karmacat
    Thank you for your support. I posted last night but it obviously didn’t work

    The last few days at work have been similarly trying. I also had some bad news to deal with too, don’t think I can post about it as it is a police matter. My back and my mental health was so poor last night that I hardly got a wink of sleep .
    Originally posted by earthgirl
    That *all* sounds bad, EG ... journalling about it can help, or talking out loud to yourself (has to be out loud, not just thinking about it) or, best of all, talking to somebody who already knows (I'm thinking about the police matter thing, saying that).

    Today is a “be kind to yourself day”. I can’t tske on everything, so I’m going to do the things I need to do and have a nap before hopefully having a nice night out with friends.
    I'm very, very glad to read this. I really hope you get rested and enjoy your time with your friends.

    Seriously thinking about taking time off work now and going back to the doctors. My boss told me via email to cancel my physio appointment which is shocking so I feel like some proper r and r is in order.
    That's horrendous! Is there a HR dept at your work? Even good things can cause very real stress, and bad things can cause stress that just seems neverending R and R might be the most important thing you do this year.
    Retired August 2016
    • pennywisepoundstupid
    • By pennywisepoundstupid 2nd Dec 17, 1:09 PM
    • 4,437 Posts
    • 13,864 Thanks
    pennywisepoundstupid
    EG make sure you keep that email, it is awful that you have been told to cancel an appointment.

    I can't remember if you work in education or not, if you do and are with a union might be time to get in touch with them, might also be worth a trip to the docs and getting signed off.

    Hope you manage to have a nice weekend.x.
    Be mindful of your self-talk. It's a conversation with the Universe."

    Debt free and saving for my future
    • smallholdingsister
    • By smallholdingsister 2nd Dec 17, 2:11 PM
    • 3,557 Posts
    • 27,746 Thanks
    smallholdingsister
    Is this your new boss? Not good.
    • earthgirl
    • By earthgirl 3rd Dec 17, 4:13 PM
    • 2,481 Posts
    • 20,364 Thanks
    earthgirl
    Yes my new boss emailed me to say cancel your appointment and make it out with work hours. I explained that it wouldn’t affect my teaching and if I didn’t go it would mean a delay. Yes I have it in email that I was still told to cancel. I am going to get nhs physio and take time off work till I’m better. I’m not even counting this as taking time off as I’d probably still be dragging myself in if I had access to physio and a boss with some common sense. Il also get a fit note detailing the things that make my life easier and more comfortable, such as having a break from driving after 20 mins or so.

    Spoke to my solicitor on Friday about the other matter. He is very supportive. I also spoke to my friends about it who were equally horrified and supportive. I’ll talk to the police again on Monday and see if I can make a statement.

    So that’s all the negative things, on to the positive.

    Had a lovely nap yesterday and free community nort event for the kids. Gave to the food bank and then had a lovely night out with friends. £10 spent buying my friends a drink (one bought us a bottle of fizz and I wanted to pay it back so to speak. My dad has sent me £20 for Christmassnd I can’t think of a better gift for me than a night out with a few friends in a nice wine bar!

    Today I finished off my Christmas shopping with a child free wander around a few shops. The kids were at a church activity. It was lovely I really enjoyed myself as I like to check a few shops and get the best deal on things, hard in my lunch break or
    With kids. £20 spent including stamps for my xmas cards.

    Lovely lunch then walk on the beach and a Christmas movie. Lovely day!!
    Last edited by earthgirl; 03-12-2017 at 4:58 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
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,702Posts Today

5,931Users online

Martin's Twitter
  • RT @bearface83: @MartinSLewis check out the @Missguided new 60% off offer. Upping the cost of items almost double to make us think it?s a?

  • RT @efitzpat: Thank you SO SO much @MartinSLewis for your Student Loans refund advice! I just got a grand refunded right before Xmas! Whoop?

  • Have a lovely weekend folks. Don't do anything (fiscally) that I wouldn't do!

  • Follow Martin