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  • FIRST POST
    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 11:39 AM
    • 3,317Posts
    • 25,995Thanks
    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 128
    • smallholdingsister
    • By smallholdingsister 5th Mar 17, 8:24 AM
    • 3,317 Posts
    • 25,995 Thanks
    smallholdingsister
    Gold D of E? Wow! Welcome home.

    Didn't do much yesterday afternoon except visit Ponyplops. I gave a lift to two colleagues. One is charming and the other has turned into his Dad at the age of 35. Picking his nose and eating it in my car. Eeewww.
    • Karmacat
    • By Karmacat 5th Mar 17, 10:53 AM
    • 27,728 Posts
    • 151,518 Thanks
    Karmacat
    Eek at the colleague's behaviour

    I did D of E right the way through, the first batch at our school - I loved it! Photos of my mum and I in the courtyard at Buck Palace, many years before the tours started, are lovely to see now.
    Retired August 2016
    • AlexLK
    • By AlexLK 5th Mar 17, 4:37 PM
    • 5,772 Posts
    • 29,935 Thanks
    AlexLK
    Good luck with the house enquiry and potential promotion, smallholding.

    If I were giving colleague no. 2 a lift and he didn't stop right away, he'd be walking.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • smallholdingsister
    • By smallholdingsister 6th Mar 17, 6:12 PM
    • 3,317 Posts
    • 25,995 Thanks
    smallholdingsister
    Ha ha. Shoulda thought of that Alex.

    KC that's lovely.
    • smallholdingsister
    • By smallholdingsister 11th Mar 17, 7:10 AM
    • 3,317 Posts
    • 25,995 Thanks
    smallholdingsister
    Still here, don't have too much to say. Still in limbo because of trying to sell house.
    • newgirly
    • By newgirly 11th Mar 17, 9:25 AM
    • 5,772 Posts
    • 39,524 Thanks
    newgirly
    Surely it's got to pick up soon with viewings at this time of year shs, it's probably a silly suggestion but what about trying to get an ad. in country life? I've seen a big variety of houses in there, local agents will have a page or two and put in a few.
    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.
    • earthgirl
    • By earthgirl 11th Mar 17, 11:33 AM
    • 2,408 Posts
    • 19,452 Thanks
    earthgirl
    Dont have much experience or advice, but fingers and toes crossed for selling soon.
    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
    • smallholdingsister
    • By smallholdingsister 11th Mar 17, 11:45 AM
    • 3,317 Posts
    • 25,995 Thanks
    smallholdingsister
    Country life is a good idea, but most people will look on rightmove, surely?
    • newgirly
    • By newgirly 11th Mar 17, 1:14 PM
    • 5,772 Posts
    • 39,524 Thanks
    newgirly
    I'm sure any serious buyers would yes, just thought it might be worth seeing if your agent advertises in there too if it doesn't cost you.
    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 11th Mar 17, 1:28 PM
    • 3,317 Posts
    • 25,995 Thanks
    smallholdingsister
    Probably not (she is the Mum of one of the kids in DD2's class) but she might if the house hangs about long enough.
    • CathT
    • By CathT 11th Mar 17, 1:56 PM
    • 5,287 Posts
    • 36,335 Thanks
    CathT
    Lots going on over here shs, hoping for some positive results for you soon.
    August 2017 -
    part 1 - £79,967
    part 2 - £46,351
    Total - £126,318
    • smallholdingsister
    • By smallholdingsister 11th Mar 17, 2:28 PM
    • 3,317 Posts
    • 25,995 Thanks
    smallholdingsister
    Thanks Cath. Just going to PM you.

    I have just picked up a tutoring client. woohoo.
    • greent
    • By greent 12th Mar 17, 12:36 PM
    • 6,206 Posts
    • 62,792 Thanks
    greent
    Yeay for side hustles!
    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 15th Mar 17, 8:51 AM
    • 3,317 Posts
    • 25,995 Thanks
    smallholdingsister
    Still here. Have the vomitous bug.
    • apple muncher
    • By apple muncher 15th Mar 17, 10:45 AM
    • 6,313 Posts
    • 45,938 Thanks
    apple muncher
    Oh no! Hope it passes quickly x
    NST Sept scrimper #2; NSD 15; Ex 14; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 116

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • greent
    • By greent 15th Mar 17, 1:10 PM
    • 6,206 Posts
    • 62,792 Thanks
    greent
    Bleurgh Hope it goes quickly and does not visit anyone else in your household 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 15th Mar 17, 3:01 PM
    • 3,317 Posts
    • 25,995 Thanks
    smallholdingsister
    Thanks. Feeling better but have lost two days!
    • apple muncher
    • By apple muncher 15th Mar 17, 6:59 PM
    • 6,313 Posts
    • 45,938 Thanks
    apple muncher
    Yikes. Do take it easy and give yourself time to recuperate and recover properly. (ie don't go back to work until fully better) x
    NST Sept scrimper #2; NSD 15; Ex 14; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 116

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • EatingTheElephant
    • By EatingTheElephant 15th Mar 17, 7:03 PM
    • 1,103 Posts
    • 5,946 Thanks
    EatingTheElephant
    Oh no, hope you feel better soon. There is an awful lot of it around at the moment.
    • CathT
    • By CathT 15th Mar 17, 7:36 PM
    • 5,287 Posts
    • 36,335 Thanks
    CathT
    Oh no, there have been some awful bugs going around. Feel better soon.
    August 2017 -
    part 1 - £79,967
    part 2 - £46,351
    Total - £126,318
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