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  • FIRST POST
    • earthgirl
    • By earthgirl 27th Nov 13, 2:36 PM
    • 2,474Posts
    • 20,323Thanks
    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 74
    • smallholdingsister
    • By smallholdingsister 3rd Dec 17, 4:46 PM
    • 3,557 Posts
    • 27,742 Thanks
    smallholdingsister
    I can see why she would say that for a routine GP appointment but everyone knows that NHS appointments happen when they say or you wait six weeks.
    • CathT
    • By CathT 3rd Dec 17, 5:34 PM
    • 5,381 Posts
    • 37,024 Thanks
    CathT
    Sounds like a lovely relaxing Sunday.
    Dec 2017 -
    part 1 - £79,783
    part 2 - £45,999
    Total - £125,782
    • earthgirl
    • By earthgirl 5th Dec 17, 9:55 PM
    • 2,474 Posts
    • 20,323 Thanks
    earthgirl
    Funny how all the bad news arrives together! But now all the good news is arriving together which is great!

    My back improved and I decided to go into work and try to be s bit more positive. It’s going well.

    Managed to sort out the legal issue I was having. One officer helped me and ds1 immensely today. Along with some advice from MSEers and It’s finally all sorted. Full apology from the council for their part. Amazing service from the police.

    I didn’t really get much done today except speak to the police. I exercised, went to work and did an hour of tuition after work. Put up Christmas decs and stuck to Meal plan apart from an emergency mint aero.

    So grateful for all the lovely kind helpful people out there, thanks.
    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 5th Dec 17, 10:22 PM
    • 413 Posts
    • 2,841 Thanks
    WannabeFree
    Sorry things have been so difficult But really glad things are looking up now.

    I'm a bit useless with advice but only a pm away to lend an ear x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Karmacat
    • By Karmacat 6th Dec 17, 10:55 AM
    • 28,180 Posts
    • 155,261 Thanks
    Karmacat
    Great news that the legal issue is resolved: there's still some old-style policing around that makes your heart sink, but in the main the police do an amazing job these days. But sorting things out still takes a HUGE amount of time - so sorting the Christmas deccies is great
    Retired August 2016
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 6th Dec 17, 7:41 PM
    • 3,938 Posts
    • 36,297 Thanks
    Secret Saving Squirrel
    Wishing you a much calmer and healthier run up to Christmas. 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
    • earthgirl
    • By earthgirl 8th Dec 17, 7:25 PM
    • 2,474 Posts
    • 20,323 Thanks
    earthgirl
    Thanks, and yes the policeman who picked up my case is my hero. He sorted it all out, and saved me many hours of distress and much money I’m sure!

    Had a great few days. Oh told me about a lady who had a prison term for driving whilst talking on the phone and hitting someone. Awful for the family of the victim and the lady as well. I’m always on the phone hands free when driving. It saves me time as I speak to relatives when I’m driving. So I’ll stop it just in case it means I’m not concentrating enough. I’ve b en listening to podcasts in French and Spanish instead as I gh char radio boring.

    I have washed my car in the rain again, and hoovered it with a mini hoover I have at work. Blagged a free shelving unit from work for kids toys and I’d like to do a lot of decluttering in the next week or so. Christmas cards all sent. Lovely slow cooker curry for tea.

    Some work completed on ds1s School project and £3 to School today for charity. £4 to charity at my work.

    Ds2 xmas present Toy bought (£40) and about to spend he same on ds1, oh just checking specifications.

    Everything else is bought, but not wrapped.
    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 11th Dec 17, 10:46 AM
    • 413 Posts
    • 2,841 Thanks
    WannabeFree
    Hope you had a lovely weekend Earthgirl 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 13th Dec 17, 10:47 AM
    • 2,474 Posts
    • 20,323 Thanks
    earthgirl
    A bit of a posting gap mostly due to being busy!
    A quick update on my break:

    The bad news: still struggling to sleep with back pain. I’m st the doctors this afternoon got more pain killers. Big problems with ohs business. I’m not sure if he will just shut it down or we will have masses of work to do just one week before our holiday of a lifetime. We will see. Just reminds me to take nothing for granted. I might be needing every penny again soon.

    Still struggling to get ds1 s present for xmas. Oh dead against him getting an Xbox which is what he wants. I also don’t want to lose him to this at 7 years old. But it’s that he’s asked Santa for....don’t know what to do.

    The good
    Had s big clear out of toys and the toy room looks good. Kids started to use the desk in there for “work” which is good. Got some parcels away with Christmas presents in.

    I’ve made some changes to routine to get more gentle exercise in.

    I’m sorry really not a lot of good news at the moment!
    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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