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  • FIRST POST
    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 11:39 AM
    • 3,290Posts
    • 24,266Thanks
    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 144
    • BISCUIT1
    • By BISCUIT1 6th Jul 17, 7:39 PM
    • 37 Posts
    • 53 Thanks
    BISCUIT1
    Have followed your previous thread and this one so just wanted to say a massive "congratulations!" Sounds like it is all coming together for you nicely! xx
    • apple muncher
    • By apple muncher 6th Jul 17, 8:02 PM
    • 6,055 Posts
    • 44,157 Thanks
    apple muncher
    You are all so amazingly kind. Thank you.
    Originally posted by smallholdingsister
    Why, thank you! But you are one darned awesome cookie
    NST Joyful July #2; NSD 11; Ex 18; craft 110; remove 477
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 6th Jul 17, 8:08 PM
    • 2,314 Posts
    • 18,608 Thanks
    earthgirl
    Well done shs! So slooow and then so fast. Congratulations!
    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
    Kids savings 13,578/36k
    • smallholdingsister
    • By smallholdingsister 8th Jul 17, 5:47 AM
    • 3,290 Posts
    • 24,266 Thanks
    smallholdingsister
    Hello Biscuit!


    Up early and raring to go. Ponyplops is going to prison tomorrow and we're clearing out the yard to complete on that next week.

    DH is frantically trying to finish his marking before we move.
    • EatingTheElephant
    • By EatingTheElephant 8th Jul 17, 7:21 AM
    • 1,041 Posts
    • 5,465 Thanks
    EatingTheElephant

    HUGE CONGRATULATIONS on all counts, so so pleased it has all come together at last.
    • smallholdingsister
    • By smallholdingsister 8th Jul 17, 11:37 AM
    • 3,290 Posts
    • 24,266 Thanks
    smallholdingsister
    Thanks elephant! Not so fast! Puppylove has d and v.
    • EatingTheElephant
    • By EatingTheElephant 8th Jul 17, 1:54 PM
    • 1,041 Posts
    • 5,465 Thanks
    EatingTheElephant
    Eww poor puppylove and poor you for the mess, hope she gets better soon.
    • smallholdingsister
    • By smallholdingsister 8th Jul 17, 4:45 PM
    • 3,290 Posts
    • 24,266 Thanks
    smallholdingsister
    She is the author of her own downfall!

    I am fiddling while Rome burns. There is sooooo much to do.

    BT were sooooo unhelpful when I rang to cancel the line. Hard sell too - I had to remind the person I had already said "No thanks" THREE times.
    • AlexLK
    • By AlexLK 8th Jul 17, 7:43 PM
    • 5,693 Posts
    • 29,354 Thanks
    AlexLK
    Congratulations, smallholding. Really pleased for you.
    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 9th Jul 17, 6:39 AM
    • 3,290 Posts
    • 24,266 Thanks
    smallholdingsister
    Thank you.

    DH woke earlier with the terrible shivers but seems a little better now. No time for illness. He has 120 scripts to mark by Wednesday.

    I have great plans today but the biggest item is getting the Plops in livery (lovely riding school, only for a week, really close by) without DD1 getting too stressed.
    • smallholdingsister
    • By smallholdingsister 9th Jul 17, 2:43 PM
    • 3,290 Posts
    • 24,266 Thanks
    smallholdingsister
    Plops is in prison. She did NOT want to go in a strange stable but she DID like the boy next door!

    Our buyers having been pretty infuriating just before exchange have sent me a chummy email asking for multiple favours.
    • earthgirl
    • By earthgirl 9th Jul 17, 7:50 PM
    • 2,314 Posts
    • 18,608 Thanks
    earthgirl
    What sort of favours sss? What could they want now?
    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
    Kids savings 13,578/36k
    • smallholdingsister
    • By smallholdingsister 9th Jul 17, 8:39 PM
    • 3,290 Posts
    • 24,266 Thanks
    smallholdingsister
    I will pm you in case I out myself!
    • apple muncher
    • By apple muncher 9th Jul 17, 9:37 PM
    • 6,055 Posts
    • 44,157 Thanks
    apple muncher
    Sounds like they are still a donkey. Of the highest order.
    NST Joyful July #2; NSD 11; Ex 18; craft 110; remove 477
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 10th Jul 17, 6:28 PM
    • 3,290 Posts
    • 24,266 Thanks
    smallholdingsister
    Yep. Soon they will be someone else's problem.
    • earthgirl
    • By earthgirl 10th Jul 17, 7:13 PM
    • 2,314 Posts
    • 18,608 Thanks
    earthgirl
    Yes agree, very stupid.
    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
    Kids savings 13,578/36k
    • smallholdingsister
    • By smallholdingsister 11th Jul 17, 8:46 PM
    • 3,290 Posts
    • 24,266 Thanks
    smallholdingsister
    Aarrgghh. It is chaos here. DH still frantically marking.

    Still, long wished-for chaos!
    • muddywhitechicken
    • By muddywhitechicken 11th Jul 17, 9:06 PM
    • 3,629 Posts
    • 33,372 Thanks
    muddywhitechicken
    Many congratulation on the new job SHS
    MWCx
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£51,500
    Current total overpayments: ~£106,750
    • smallholdingsister
    • By smallholdingsister 11th Jul 17, 10:20 PM
    • 3,290 Posts
    • 24,266 Thanks
    smallholdingsister
    Thank you.

    Still organising stuff though feeling better than I did since I made a moving plan - will not be here to supervise packing. So glad we're not doing it.
    • Elephantchunks
    • By Elephantchunks 11th Jul 17, 11:04 PM
    • 84 Posts
    • 417 Thanks
    Elephantchunks
    Just catching up. Congratulations! So pleased for you! (Although, I'm very envious that you have removal persons.) Hope all goes smooth from here on.
    Saved so far: July £1719/£2650 +Paid £380 Survey
    Save before we move: End of June £1447/£2380
    Save before we move: End of May £975/£2380
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