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  • FIRST POST
    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 11:39 AM
    • 3,167Posts
    • 24,588Thanks
    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 146
    • foxyloxy11
    • By foxyloxy11 15th Jul 17, 9:36 PM
    • 198 Posts
    • 1,123 Thanks
    foxyloxy11
    hooray!!!!!!so pleased for you all x
    365 day penny challenge - £90.00/£667.95
    £1000 Emergency fund challenge #225 - £540.00/£1000 Stage 1
    • apple muncher
    • By apple muncher 15th Jul 17, 9:48 PM
    • 6,154 Posts
    • 44,808 Thanks
    apple muncher
    Champagne in teacups kinda sets the tone for your new life! Enjoy every second x
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    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
    • Calfuray
    • By Calfuray 15th Jul 17, 9:56 PM
    • 968 Posts
    • 5,880 Thanks
    Calfuray
    So after a comedy of errors (dog did a poo in the office on being delivered to kennels, DH's car broke down blocking access to removers, DS came down with a stomach bug) we were packed mostly by the movers on Wednesday and completed on Friday.

    Three chaps and one lorry came at 8 am, worked like dogs for four hourz while we cleaned around them. By 11 I had the call to say keys were available for the new place.

    We left at 12, removers to fetch the other lorry and us to get the keys. No hassle, arrived at the new place at ten past one, removers ten minutes behind us.

    They continued to work like dogs for another four hours while we unpacked what we could while trying to stay out of their way.

    My parents brought the kids home by then and we were drinking champagne out of teacups by 6pm.

    Today we fetched dog and pony home and got loads of unpacking done. Very grateful to be finally in after a two year journey.

    We had a stunning bouquet from our agent and some promotional mugs and pens from the seller's agent!

    Both houses were left in the same conditions - vacuumed with clean bathrooms and kitchens but not impeccable.

    I am never doing it again!!
    Originally posted by smallholdingsister
    I agree with Tilly, breathe! It's such a stressful process isn't it?

    Yay for champagne in teacups, love it. Congrats on moving
    • greent
    • By greent 15th Jul 17, 10:38 PM
    • 6,066 Posts
    • 61,319 Thanks
    greent
    It's here! :J - you've done it! - well done on achieving the drinking of champagne - much deserved

    The very best-est of good wishes, love and luck for you and your family in your new home, shs xx
    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) £4070/£3286
    Net sales 2017 £763.00/£500 PAYDOX17 £10787/£10k Decluttered 1284/2017 items
    • smallholdingsister
    • By smallholdingsister 16th Jul 17, 7:29 AM
    • 3,167 Posts
    • 24,588 Thanks
    smallholdingsister
    Thanks everyone.

    Puppylove has settled now, and I went out in my nightie at 7am and woke the Plops up.
    • EatingTheElephant
    • By EatingTheElephant 16th Jul 17, 7:51 AM
    • 1,075 Posts
    • 5,748 Thanks
    EatingTheElephant
    Fantastic, what a huge relief to be in at last. Well done
    • XSpender
    • By XSpender 16th Jul 17, 7:57 AM
    • 2,584 Posts
    • 26,673 Thanks
    XSpender
    Congratulations on your new home
    PAYDBX 2017 #99 from 4/5 - £2664.28/£10,000 26.6%
    Total Owed £39,547.78 May '17 Total owed July 17 £36883.50 Savings goal £1000 EF - £400
    DFD - May 2021 goal Feb 2020
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 16th Jul 17, 8:43 AM
    • 7,728 Posts
    • 86,261 Thanks
    Tilly MFW in 6 YRS
    Thanks everyone.

    Puppylove has settled now, and I went out in my nightie at 7am and woke the Plops up.
    Originally posted by smallholdingsister
    What an absolute joy that must have been

    New job, new house - brilliant

    Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • gallygirl
    • By gallygirl 16th Jul 17, 10:22 AM
    • 16,396 Posts
    • 107,439 Thanks
    gallygirl

    Puppylove has settled now, and I went out in my nightie at 7am and woke the Plops up.
    Originally posted by smallholdingsister
    How fabulous . Glad the move has gone well and now you have the holidays to organise, am sure it will be perfect by the end of August ().
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • themadvix
    • By themadvix 17th Jul 17, 7:04 AM
    • 951 Posts
    • 4,893 Thanks
    themadvix
    Congratulations at last! It sounds idyllic!
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • shangaijimmy
    • By shangaijimmy 17th Jul 17, 7:35 AM
    • 2,151 Posts
    • 9,643 Thanks
    shangaijimmy
    MFW: Turning June 2036 into March 2023... 29//120 Payments Challenge, Diary Reduction £30,703.25
    Aug 2009: £163,051 // Current: £105,296.75 // Avg Daily Interest £4.73
    MFiT-T4 #8 - 47.86% of £41,000
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 17th Jul 17, 8:11 AM
    • 3,840 Posts
    • 35,628 Thanks
    Secret Saving Squirrel
    Hello,

    I am so delighted to see that everything has come together for you. Enjoy every moment. Xx
    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
    • earthgirl
    • By earthgirl 17th Jul 17, 7:26 PM
    • 2,347 Posts
    • 18,902 Thanks
    earthgirl
    Brilliant news Shs. Well done you deserve it!
    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 25th Jul 17, 11:46 AM
    • 3,167 Posts
    • 24,588 Thanks
    smallholdingsister
    We break up, we break down..."

    Doing vast Liddly and Sainsbugs shops as feeding all of senior camp later and then friends to stay tomorrow.
    • Karmacat
    • By Karmacat 25th Jul 17, 1:01 PM
    • 27,568 Posts
    • 149,989 Thanks
    Karmacat
    Just catching up! Congratulations! And you're hosting guests already? How's it all going?
    Retired August 2016
    • FloppyDisk
    • By FloppyDisk 26th Jul 17, 8:28 AM
    • 451 Posts
    • 3,439 Thanks
    FloppyDisk
    Is ponyplops going to get some company....?
    MFW July 2012 £139,642 /
    Aug 2017 £112,526
    • AlexLK
    • By AlexLK 26th Jul 17, 1:23 PM
    • 5,738 Posts
    • 29,618 Thanks
    AlexLK
    Congratulations, Smallholding.

    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.
    • Elephantchunks
    • By Elephantchunks 26th Jul 17, 11:31 PM
    • 108 Posts
    • 574 Thanks
    Elephantchunks
    Fantastic! Congratulations
    August Monthly Challenge: Magic up £89.65/£164.
    August £100 Weekly Challenge: Week 2 £110/£100
    August £100 Weekly Challenge: Week 1 £99.91/£100

    Save before we move: End of July £2180/£3010
    Save before we move: End of June £1447/£2380
    Save before we move: End of May £975/£2380
    • smallholdingsister
    • By smallholdingsister 27th Jul 17, 6:17 AM
    • 3,167 Posts
    • 24,588 Thanks
    smallholdingsister
    Ponyplops is eventually going to get company, though she is in love with Misty and Ted next door.


    Broadband and a phone line coming today.

    Our guests are an old school friend and his wife. He is a deputy head in secondary and is sooo stressed he drank us ( inveterate boozers ) under the table last night and behaved like an !!!!. Fortunately we are old friends so I could tell him he was being an !!!! and send him to bed!


    Puppylove is horrified that they've brought their Labradoodle.
    • Karmacat
    • By Karmacat 27th Jul 17, 9:47 AM
    • 27,568 Posts
    • 149,989 Thanks
    Karmacat
    My brother has a labradoodle, its the most adorable dog I've ever met
    Retired August 2016
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