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  • FIRST POST
    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 11:39 AM
    • 2,503Posts
    • 19,524Thanks
    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 112
    • ljaneyr
    • By ljaneyr 15th Oct 16, 6:09 PM
    • 1,112 Posts
    • 6,717 Thanks
    ljaneyr
    Well done on the booze free weeks
    Janey x
    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund 100% Emergency fund 100% Future fund £2055

    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    • misscousinitt
    • By misscousinitt 17th Oct 16, 1:29 PM
    • 3,366 Posts
    • 18,965 Thanks
    misscousinitt
    Well done on being booze free! Fantastic.

    Wish I had your self control.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £99,090.90 (08.11.2016)
    OP's to Date £2000

    Renovation Fund:£944.75; Kitchen Fund (including re-wiring): £notalotleft; Roof Fund £5000.00
    Nectar Points Balance: £35.49
    • smallholdingsister
    • By smallholdingsister 17th Oct 16, 6:47 PM
    • 2,503 Posts
    • 19,524 Thanks
    smallholdingsister
    I don't have any! We just stopped buying it.
    • smallholdingsister
    • By smallholdingsister 18th Oct 16, 6:49 PM
    • 2,503 Posts
    • 19,524 Thanks
    smallholdingsister
    Off to be terrorised by a load of y7s for the rest of term.

    Wish me luck!
    • earthgirl
    • By earthgirl 18th Oct 16, 7:53 PM
    • 1,995 Posts
    • 16,168 Thanks
    earthgirl
    Oh no to d1 cost. Although I thought you meant adding a daughter to the insurance for £88 which would have been a bargain! and a bit odd with the age of your children!!
    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)
    Sept 16 - £37,429.63 (£30,422 offset so far in 2016)
    Kids savings 11.8/36k
    • newgirly
    • By newgirly 18th Oct 16, 9:00 PM
    • 5,222 Posts
    • 35,940 Thanks
    newgirly
    I read that bit twice too!
    MFW 21
    Target for 2016 £30,000 \ £72,350.11 paid so far

    Mortgage £63,080 5 yrs 8 months left. Total owed £92,893.96.

    Weight loss 2016 - 18.25 lb lost 40lb target
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 18th Oct 16, 9:40 PM
    • 3,669 Posts
    • 34,119 Thanks
    Secret Saving Squirrel
    Goodness, well done on the no alcohol. The first one will probably go to your head a little!
    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
    • smallholdingsister
    • By smallholdingsister 20th Oct 16, 7:58 AM
    • 2,503 Posts
    • 19,524 Thanks
    smallholdingsister
    Saturday night here I come.
    • newgirly
    • By newgirly 20th Oct 16, 8:06 AM
    • 5,222 Posts
    • 35,940 Thanks
    newgirly
    Don't worry shs , I've been drinking enough wine for both of us lately
    MFW 21
    Target for 2016 £30,000 \ £72,350.11 paid so far

    Mortgage £63,080 5 yrs 8 months left. Total owed £92,893.96.

    Weight loss 2016 - 18.25 lb lost 40lb target
    • smallholdingsister
    • By smallholdingsister 20th Oct 16, 6:33 PM
    • 2,503 Posts
    • 19,524 Thanks
    smallholdingsister
    Oh dear. We did some decent walking today and I had 3 hours'sleep last night.
    • Watty1
    • By Watty1 21st Oct 16, 10:10 AM
    • 2,496 Posts
    • 17,628 Thanks
    Watty1
    ouch. not good.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • smallholdingsister
    • By smallholdingsister 21st Oct 16, 11:03 PM
    • 2,503 Posts
    • 19,524 Thanks
    smallholdingsister
    Home.
    At its best it was like having 21 children of my own.

    And it is half term!
    • EatingTheElephant
    • By EatingTheElephant 22nd Oct 16, 7:15 AM
    • 608 Posts
    • 2,930 Thanks
    EatingTheElephant
    Yaaay happy half term SHS

    Have you got lots planned?
    • smallholdingsister
    • By smallholdingsister 22nd Oct 16, 8:09 AM
    • 2,503 Posts
    • 19,524 Thanks
    smallholdingsister
    So much. Too much.
    Play date for DS today followed by afternoon tea with elderly rellies then strictly.
    • Karmacat
    • By Karmacat 22nd Oct 16, 9:44 AM
    • 26,544 Posts
    • 140,143 Thanks
    Karmacat
    Half term! Enjoy
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • greent
    • By greent 23rd Oct 16, 7:15 AM
    • 5,201 Posts
    • 52,380 Thanks
    greent
    So much. Too much.
    Play date for DS today followed by afternoon tea with elderly rellies then strictly.
    Originally posted by smallholdingsister
    That doesn't sound too bad a start to half term

    Hope you manage some breathing space and r&r time throughout the week
    x
    Repaid mortgage early (originally 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £778.60/£500
    Dec grocery spends £0/ £480 NSDs 4/12
    • smallholdingsister
    • By smallholdingsister 23rd Oct 16, 7:39 AM
    • 2,503 Posts
    • 19,524 Thanks
    smallholdingsister
    Not planning ANYTHING today. I need an escape from people!
    • smallholdingsister
    • By smallholdingsister 24th Oct 16, 10:07 AM
    • 2,503 Posts
    • 19,524 Thanks
    smallholdingsister
    Morning. I managed to do very little yesterday. We are about to spend a few hours reclaiming the house.
    • misscousinitt
    • By misscousinitt 24th Oct 16, 3:41 PM
    • 3,366 Posts
    • 18,965 Thanks
    misscousinitt
    Glad you had a chance to do very little - nice sometimes.

    Good luck reclaiming the house.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £99,090.90 (08.11.2016)
    OP's to Date £2000

    Renovation Fund:£944.75; Kitchen Fund (including re-wiring): £notalotleft; Roof Fund £5000.00
    Nectar Points Balance: £35.49
    • smallholdingsister
    • By smallholdingsister 24th Oct 16, 5:55 PM
    • 2,503 Posts
    • 19,524 Thanks
    smallholdingsister
    Thanks MCI.

    Got rid of a bin bag and a half to the chazza.
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