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  • FIRST POST
    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 11:39 AM
    • 3,053Posts
    • 22,590Thanks
    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 129
    • earthgirl
    • By earthgirl 18th Mar 17, 4:31 PM
    • 2,208 Posts
    • 17,793 Thanks
    earthgirl
    Hope you are fully recovered now. Enjoy the weekend.
    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 )
    April 17 £33,710
    Kids savings 13,578/36k
    • smallholdingsister
    • By smallholdingsister 18th Mar 17, 5:29 PM
    • 3,053 Posts
    • 22,590 Thanks
    smallholdingsister
    Thanks everyone. Back at the grindstone for a couple of days.
    • Karmacat
    • By Karmacat 19th Mar 17, 12:01 PM
    • 27,212 Posts
    • 146,262 Thanks
    Karmacat
    Sorry to hear you've had a bug thats that bad I get terrified at the thought of what a bug will do to me, with my only-recently-improved immune system ... I use a *lot* of antibac hand gel, and while I'm out and about, I still try not to touch anything (which leads to interesting contortions around lift buttons etc)
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • smallholdingsister
    • By smallholdingsister 26th Mar 17, 9:11 AM
    • 3,053 Posts
    • 22,590 Thanks
    smallholdingsister
    You can imagine what its like in a school!!
    • newgirly
    • By newgirly 26th Mar 17, 12:31 PM
    • 5,601 Posts
    • 38,289 Thanks
    newgirly
    Hope you are fully recovered now and being spoilt today
    MFW 21
    Target for 2017 £38,545 / £10,784 paid so far

    Mortgage £49,452 4 years 10 months left. Total owed £69,512 planning to clear in 18 months
    Weightwatchers target - 29.5 lb start date 11/5/17 so far 5.5lb lost
    • smallholdingsister
    • By smallholdingsister 26th Mar 17, 3:27 PM
    • 3,053 Posts
    • 22,590 Thanks
    smallholdingsister
    Thank you. I am. Except for the four hour marking frenzy!
    • FloppyDisk
    • By FloppyDisk 31st Mar 17, 12:48 PM
    • 402 Posts
    • 3,178 Thanks
    FloppyDisk
    Hope the sunshine restores you a bit this weekend. Are you taking plops out?
    MFW July 2012 £139,642 / April 2017 £115,411
    Holy moly rainy cats and dogs savings £20,000/£2,912
    • earthgirl
    • By earthgirl 31st Mar 17, 7:53 PM
    • 2,208 Posts
    • 17,793 Thanks
    earthgirl
    Hope you are feeling better and enjoy the weekend .
    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 )
    April 17 £33,710
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 31st Mar 17, 8:21 PM
    • 5,829 Posts
    • 42,510 Thanks
    apple muncher
    Have you broken up now?
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 3rd Apr 17, 7:37 AM
    • 3,053 Posts
    • 22,590 Thanks
    smallholdingsister
    Finally broken up. Woohoo!
    Applied for a promotion at current school and had DS's birthday party which ran unusually smoothly (everyone turned up and RSVPd).
    I don't go out with Plops unless trailering is required since DD1 suddenly realised she could ride out alone. It is a freedom but I might go for a cuddle later!
    • earthgirl
    • By earthgirl 3rd Apr 17, 6:27 PM
    • 2,208 Posts
    • 17,793 Thanks
    earthgirl
    That sounds great, sss.

    Any more details on the party?

    Any interest in the house?
    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 )
    April 17 £33,710
    Kids savings 13,578/36k
    • smallholdingsister
    • By smallholdingsister 4th Apr 17, 3:58 AM
    • 3,053 Posts
    • 22,590 Thanks
    smallholdingsister
    Sorry. I am more than usually monosyllabic.

    Party ran smoothly because it was at soft play. Bliss not to have to clear up. I don't know if it is peculiar to Devon but people usually don't seem to want to RSVP to kids parties.

    I spent yesterday resting and sleeping since the kids were off gallivanting. I have to be more productive today.
    • greent
    • By greent 4th Apr 17, 12:00 PM
    • 5,804 Posts
    • 58,643 Thanks
    greent
    Nope - RSVP-ing is sadly lacking here in Glos, too. Putting my mobile number on invitations gets a better response - people can text at random times - but there are inevitably a couple or so (depending upon how many were originally invited) which always need chasing up...
    Repaid mtge early (orig end 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 up: BTL Mtge 12/16 Bal £69786. 2017 OP target (#18) £2000/£3286
    Net sales 2017 £457.00/£500 PAYDOX17 £9435/£10k Decluttered 741/2017 items
    • smallholdingsister
    • By smallholdingsister 4th Apr 17, 6:26 PM
    • 3,053 Posts
    • 22,590 Thanks
    smallholdingsister
    I wonder how often it is because the invitation in languishing in the child's tray.

    If I have the parent's number I will text to say an invitation is on its way.
    • AlexLK
    • By AlexLK 4th Apr 17, 11:17 PM
    • 5,630 Posts
    • 28,872 Thanks
    AlexLK
    When I organise a birthday party for my son, I don't sent invitations. The party is always small and if my son wishes to invite a child we don't know, the unknown child will have to come to the house for dinner in advance of the party.
    Savings 2017: £2000. 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 5th Apr 17, 7:27 AM
    • 3,053 Posts
    • 22,590 Thanks
    smallholdingsister
    That's brill Alex. I am never at the school gate though and messages sent through my parents (who are there in my place) are somewhat...um...variable.

    An example of this is my Mum telling me I would have to change the date of the party since there were two others on the same day. Neither materialised!
    • smallholdingsister
    • By smallholdingsister 6th Apr 17, 12:11 PM
    • 3,053 Posts
    • 22,590 Thanks
    smallholdingsister
    Tidy up day today since the agent is coming to re take some of her terribly dark photos.

    It is so ineffably frustrating to not have any viewings.
    • smallholdingsister
    • By smallholdingsister 7th Apr 17, 5:22 PM
    • 3,053 Posts
    • 22,590 Thanks
    smallholdingsister
    Tidying done. When I write my memoirs (diaries of a full time working mother of three) I am going to call them
    "How the hell did you get toothpaste THERE?".

    I also (while understanding why there is a yellow stain around the base of the loo) am concerned to have NO IDEA why there is also one around the base of the sink.?!
    • newgirly
    • By newgirly 7th Apr 17, 6:36 PM
    • 5,601 Posts
    • 38,289 Thanks
    newgirly
    best just clean it and don't ask questions!!!
    MFW 21
    Target for 2017 £38,545 / £10,784 paid so far

    Mortgage £49,452 4 years 10 months left. Total owed £69,512 planning to clear in 18 months
    Weightwatchers target - 29.5 lb start date 11/5/17 so far 5.5lb lost
    • apple muncher
    • By apple muncher 7th Apr 17, 7:30 PM
    • 5,829 Posts
    • 42,510 Thanks
    apple muncher
    Limescale? That's where we always put the blame here...
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
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