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    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 11:39 AM
    • 3,309Posts
    • 25,955Thanks
    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
    • 1,133 Posts
    • 6,826 Thanks
    ljaneyr
    Well done on the booze free weeks
    Janey x
    "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

    Bought our house 2012 Married 2015 Started renovating 2015
    Renovation fund... what renovation fund? Emergency fund 40% Future fund... ongoing...
    • misscousinitt
    • By misscousinitt 17th Oct 16, 1:29 PM
    • 3,541 Posts
    • 20,422 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: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • smallholdingsister
    • By smallholdingsister 17th Oct 16, 6:47 PM
    • 3,309 Posts
    • 25,955 Thanks
    smallholdingsister
    I don't have any! We just stopped buying it.
    • smallholdingsister
    • By smallholdingsister 18th Oct 16, 6:49 PM
    • 3,309 Posts
    • 25,955 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
    • 2,406 Posts
    • 19,440 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) 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
    • newgirly
    • By newgirly 18th Oct 16, 9:00 PM
    • 5,770 Posts
    • 39,509 Thanks
    newgirly
    I read that bit twice too!
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £47,330 4 years 8 months left. Total owed £63,993 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 16.5lb lost.
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 18th Oct 16, 9:40 PM
    • 3,865 Posts
    • 35,835 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
    • 3,309 Posts
    • 25,955 Thanks
    smallholdingsister
    Saturday night here I come.
    • newgirly
    • By newgirly 20th Oct 16, 8:06 AM
    • 5,770 Posts
    • 39,509 Thanks
    newgirly
    Don't worry shs , I've been drinking enough wine for both of us lately
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £47,330 4 years 8 months left. Total owed £63,993 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 16.5lb lost.
    • smallholdingsister
    • By smallholdingsister 20th Oct 16, 6:33 PM
    • 3,309 Posts
    • 25,955 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
    • 2,772 Posts
    • 19,308 Thanks
    Watty1
    ouch. not good.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • smallholdingsister
    • By smallholdingsister 21st Oct 16, 11:03 PM
    • 3,309 Posts
    • 25,955 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
    • 1,099 Posts
    • 5,934 Thanks
    EatingTheElephant
    Yaaay happy half term SHS

    Have you got lots planned?
    • smallholdingsister
    • By smallholdingsister 22nd Oct 16, 8:09 AM
    • 3,309 Posts
    • 25,955 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
    • 27,715 Posts
    • 151,416 Thanks
    Karmacat
    Half term! Enjoy
    Retired August 2016
    • greent
    • By greent 23rd Oct 16, 7:15 AM
    • 6,193 Posts
    • 62,698 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
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 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
    Next: BTL Mtge 12/16 £69786. 2017 OPs (#18) £4151/£3286
    Net sales 2017 £1152.39/£500 PAYDOX17 £11333/£10k Decluttered 1515/2017 items
    • smallholdingsister
    • By smallholdingsister 23rd Oct 16, 7:39 AM
    • 3,309 Posts
    • 25,955 Thanks
    smallholdingsister
    Not planning ANYTHING today. I need an escape from people!
    • smallholdingsister
    • By smallholdingsister 24th Oct 16, 10:07 AM
    • 3,309 Posts
    • 25,955 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
    • 3,541 Posts
    • 20,422 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: £93679.00 (11.09.2017)
    OP's to Date £4500

    Renovation Fund:£944.75;
    Nectar Points Balance: £35.49
    • smallholdingsister
    • By smallholdingsister 24th Oct 16, 5:55 PM
    • 3,309 Posts
    • 25,955 Thanks
    smallholdingsister
    Thanks MCI.

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