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  • FIRST POST
    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 11:39 AM
    • 3,557Posts
    • 27,670Thanks
    smallholdingsister
    smallholdingsister's strivings
    • #1
    • 10th Aug 15, 11:39 AM
    smallholdingsister's strivings 10th Aug 15 at 11:39 AM
    Righto, so as Ed says later (ooh I can time travel!) One can't rebrand oneself on MSE. However...
    I do feel - and partly because of the experiences of another MFW who was getting somewhat robust criticism for not being hard core enough - that, well, I'm not nearly hardcore enough.
    So here I am. 43. Mortgage due to expire when I'm 55.
    I am going to try for getting rid of it by 50. Including a move to a smallholding as that's what I am aiming for (no s h i t!).
    I am planning a LOT of storecupboard challenges and a LOT of fiscal fasts.
    Here goes!
    Last edited by smallholdingsister; 10-08-2015 at 6:00 PM.
Page 1
    • pavlovs_dog
    • By pavlovs_dog 10th Aug 15, 12:03 PM
    • 9,738 Posts
    • 23,279 Thanks
    pavlovs_dog
    • #2
    • 10th Aug 15, 12:03 PM
    • #2
    • 10th Aug 15, 12:03 PM
    Happy new diary
    know thyself

    MFW 2017 #22 - £6341.07 /£7,000 (90%)
    MFi3 v4 #29 target £75,000

    Nid wy'n gofyn bywyd moethus...
    • Radish72
    • By Radish72 10th Aug 15, 12:04 PM
    • 1,863 Posts
    • 11,629 Thanks
    Radish72
    • #3
    • 10th Aug 15, 12:04 PM
    • #3
    • 10th Aug 15, 12:04 PM
    Hello and welcome to MFW
    Mortgage Aug12 £165K, May17 £47800
    OP's in 2017 £3000 ish
    ISA challenge start 2017 £3000/£500 (16%)
    • lippy1923
    • By lippy1923 10th Aug 15, 12:18 PM
    • 1,232 Posts
    • 3,438 Thanks
    lippy1923
    • #4
    • 10th Aug 15, 12:18 PM
    • #4
    • 10th Aug 15, 12:18 PM
    Good luck with the new diary. I have just started mine too. I will be lurking
    Total Mortgage OP £17,500
    House Value £250,000 Mortgage £92,245
    Emergency Fund £28,000

    • apple muncher
    • By apple muncher 10th Aug 15, 1:05 PM
    • 6,630 Posts
    • 48,634 Thanks
    apple muncher
    • #5
    • 10th Aug 15, 1:05 PM
    • #5
    • 10th Aug 15, 1:05 PM
    You're a newbie all over again! Looking forward - as always - to your posts.
    NST DDD#1; NSD 4/15; Ex 2/12; craft 11/30 (267); remove /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
    • CathT
    • By CathT 10th Aug 15, 1:23 PM
    • 5,379 Posts
    • 36,909 Thanks
    CathT
    • #6
    • 10th Aug 15, 1:23 PM
    • #6
    • 10th Aug 15, 1:23 PM
    Hello shiny new diary
    Dec 2017 -
    part 1 - £79,783
    part 2 - £45,999
    Total - £125,782
    • AlexLK
    • By AlexLK 10th Aug 15, 1:33 PM
    • 5,831 Posts
    • 30,287 Thanks
    AlexLK
    • #7
    • 10th Aug 15, 1:33 PM
    • #7
    • 10th Aug 15, 1:33 PM
    I'd only just found your other diary ...
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • Watty1
    • By Watty1 10th Aug 15, 2:17 PM
    • 2,894 Posts
    • 20,041 Thanks
    Watty1
    • #8
    • 10th Aug 15, 2:17 PM
    • #8
    • 10th Aug 15, 2:17 PM
    Waving hello to reincarnation
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 2:34 PM
    • 3,557 Posts
    • 27,670 Thanks
    smallholdingsister
    • #9
    • 10th Aug 15, 2:34 PM
    • #9
    • 10th Aug 15, 2:34 PM
    Ha ha Alex.

    The feedback is
    garden too small
    garage too small
    where's the drive?
    Kitchen too small.

    They are true, false, WTF? and false IMHO.
    • earthgirl
    • By earthgirl 10th Aug 15, 3:42 PM
    • 2,470 Posts
    • 20,307 Thanks
    earthgirl
    Oooh love a new diary and the positivity it seems to bring! Feeling inspired already!
    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
    • edinburgher
    • By edinburgher 10th Aug 15, 3:45 PM
    • 10,755 Posts
    • 56,275 Thanks
    edinburgher
    It's impossible to rebrand yourself on MFW, too many people figure out how you are

    *Welcome* to the board mystery poster!
    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 6:06 PM
    • 3,557 Posts
    • 27,670 Thanks
    smallholdingsister
    Cheers Ed.

    Well left home at 7.30, sat down finally at 5.45.
    All children exhausted and the Puppylove and Plops.
    I would post a pic but am not allowed yet.
    Here are five rules of etiquette for PC parents
    * do not insist your child moves up a group
    * do not coach your child during the lesson
    * do not take an infant in the arena
    * do not sit randomly in the middle of the arena and then play on your 'phone for an hour
    * do not try to flog totally unsuitable ponies to smallholding sister for her seven year old because you have forgotten she has seen them kicking, bucking and broncing.
    • Karmacat
    • By Karmacat 10th Aug 15, 6:43 PM
    • 28,166 Posts
    • 155,134 Thanks
    Karmacat
    Hurray you're on a roll! Welcome to MFW, Oh Newbie

    As for hardcore ... I always think about Hypno, who was repaying huge amounts of debt, sometimes with interest rates of 25%, but she insisted her kids shouldn't suffer, and they got their skiing holidays and school trips etc. And you're not even in debt in that way! But you're sort of doing the same thing, so good luck to you
    Retired August 2016
    • Watty1
    • By Watty1 10th Aug 15, 6:51 PM
    • 2,894 Posts
    • 20,041 Thanks
    Watty1
    Pony club mothers
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • Mrs_E
    • By Mrs_E 10th Aug 15, 7:25 PM
    • 189 Posts
    • 1,703 Thanks
    Mrs_E
    Not sure what I missed, but welcome to your new diary
    • Goldiegirl
    • By Goldiegirl 10th Aug 15, 7:50 PM
    • 8,343 Posts
    • 47,649 Thanks
    Goldiegirl
    Ooh, a nice new home

    Regarding hardcore-ness.

    If there's no debt emergency situation going on, I think a MFW person can be as hardcore or soft core as they like, the decision is theirs and nobody else's.
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 10th Aug 15, 10:19 PM
    • 3,938 Posts
    • 36,265 Thanks
    Secret Saving Squirrel
    I agree with Goldie. However, if your small holding dreams are to come true, at the same time as your children become more and more expensive, then going hardcore with the other expenses is pretty much necessary....! Don't get me started on the costs involved in growing three small people into big, strong, accomplished adults!
    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
    • Karmacat
    • By Karmacat 11th Aug 15, 9:34 AM
    • 28,166 Posts
    • 155,134 Thanks
    Karmacat
    ... growing three small people into big, strong, accomplished adults!
    Originally posted by Secret Saving Squirrel
    Thats a great way of putting it, I love it
    Retired August 2016
    • smallholdingsister
    • By smallholdingsister 11th Aug 15, 10:27 AM
    • 3,557 Posts
    • 27,670 Thanks
    smallholdingsister
    Me too. Please God we can actually achieve that!
    • misscousinitt
    • By misscousinitt 11th Aug 15, 10:35 AM
    • 3,544 Posts
    • 20,452 Thanks
    misscousinitt
    Welcome SHS!

    Looking forward to reading your new adventures.

    I second Goldie about being hardcore - it's your own decision.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
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