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  • FIRST POST
    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 11:39 AM
    • 3,624Posts
    • 28,963Thanks
    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 155
    • Karmacat
    • By Karmacat 10th Sep 17, 10:13 PM
    • 28,339 Posts
    • 157,786 Thanks
    Karmacat
    Wow, it's a lot, but its the full package, isn't it.

    What's the plan?
    Retired August 2016
    • newgirly
    • By newgirly 11th Sep 17, 8:03 AM
    • 6,006 Posts
    • 41,470 Thanks
    newgirly
    Ouch! For normal folk that's a huge mortgage but not for an experienced mfw'er, you will get that down in no time and we will cheer you on
    MFW 21
    Target for 2018 £40k/£0 paid so far

    Mortgage £47,000 4yrs 5 mths left. Total owed £61,942 planning to clear in 17 months
    Weight loss target 2018- 21lb /2.5 lost
    • smallholdingsister
    • By smallholdingsister 11th Sep 17, 6:19 PM
    • 3,624 Posts
    • 28,963 Thanks
    smallholdingsister
    The plan is...airbnb plus livery to start with.
    • katep23
    • By katep23 11th Sep 17, 8:51 PM
    • 1,210 Posts
    • 9,029 Thanks
    katep23
    I love our new house. Confession time. Our mortgage is now 329 k.
    Originally posted by smallholdingsister
    Not much less here, I feel your pain

    • XSpender
    • By XSpender 12th Sep 17, 7:34 AM
    • 2,755 Posts
    • 28,377 Thanks
    XSpender
    I love our new house. Confession time. Our mortgage is now 329 k.
    Originally posted by smallholdingsister
    I love my new house too and our mortgage is in the high 200s. It's good that you have other income streams to help bring it down.
    Target Debt Virgin (Me) Part 1 £1176.49/£677

    Big black hole of debt - £53,515.15 @ 16.12.17
    Big black hole of debt - £51,950.28 @ 15.01.18

    EF £1000 - £500
    • Karmacat
    • By Karmacat 12th Sep 17, 10:17 AM
    • 28,339 Posts
    • 157,786 Thanks
    Karmacat
    Airbnb and livery sounds great, SHS - multiple income streams are wonderful things. Good for you xx
    Retired August 2016
    • apple muncher
    • By apple muncher 12th Sep 17, 12:20 PM
    • 6,786 Posts
    • 50,478 Thanks
    apple muncher
    How is term going for you all?
    NST January #1; NSD 11/18; Ex 14/12; craft 2/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 12th Sep 17, 9:35 PM
    • 3,624 Posts
    • 28,963 Thanks
    smallholdingsister
    Good thanks. Manic. It's like you look up and a month has passed.
    • FloppyDisk
    • By FloppyDisk 13th Sep 17, 8:35 AM
    • 570 Posts
    • 3,996 Thanks
    FloppyDisk
    What is the hacking like nearby? Could you do horsey b&b? £10 a stable per night on top of airbnb?

    £18,438/£42,500
    • smallholdingsister
    • By smallholdingsister 13th Sep 17, 6:36 PM
    • 3,624 Posts
    • 28,963 Thanks
    smallholdingsister
    Yep. Deffo. We have bridlepaths into a forest.
    • Karmacat
    • By Karmacat 14th Sep 17, 10:52 AM
    • 28,339 Posts
    • 157,786 Thanks
    Karmacat
    It sounds absolutely fantastic, SHS - I know you're mad busy, but it would be seriously remunerative, and help that mortgage downwards no end
    Retired August 2016
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 15th Sep 17, 4:34 PM
    • 3,874 Posts
    • 36,656 Thanks
    Secret Saving Squirrel
    It does sound huge but it will soon come down. You bought the place knowing that you would have other income streams from it, so it will all work out. And it will be a lot of fun, forever! Well done on going for what you really want rather than just playing it safe.
    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 15th Sep 17, 6:28 PM
    • 3,624 Posts
    • 28,963 Thanks
    smallholdingsister
    Ha. Thanks both.

    I have a new hobby. Singing "Bat out of hell" along with DD1 as she plays it on the piano. AGAINST her wishes.
    • greent
    • By greent 15th Sep 17, 6:32 PM
    • 6,653 Posts
    • 67,704 Thanks
    greent
    It does sound like a fab place, shs
    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
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £0/£4000
    Net sales 2018 £17.38/£1000 PAYDOX18 £0/£30k ?? Decluttered 136/2018 items
    • CathT
    • By CathT 15th Sep 17, 7:05 PM
    • 5,425 Posts
    • 37,593 Thanks
    CathT
    It does sound huge but it will soon come down. You bought the place knowing that you would have other income streams from it, so it will all work out. And it will be a lot of fun, forever! Well done on going for what you really want rather than just playing it safe.
    Originally posted by Secret Saving Squirrel
    THIS!

    That figure will tumble SHS. Looking forward to all your plans becoming a reality.
    Jan 2018 -
    part 1 - £79,207
    part 2 - £45,863
    Total - £125,070
    • michelle09
    • By michelle09 16th Sep 17, 11:27 AM
    • 581 Posts
    • 2,719 Thanks
    michelle09
    I love our new house. Confession time. Our mortgage is now 329 k.
    Originally posted by smallholdingsister
    It'll come down soon enough! Ours is insanely large as well but you just have to keep chipping away at it.
    • smallholdingsister
    • By smallholdingsister 16th Sep 17, 1:38 PM
    • 3,624 Posts
    • 28,963 Thanks
    smallholdingsister
    Thanks. I hope so!

    Breakthrough! DD1 has allowed me to sing!
    • smallholdingsister
    • By smallholdingsister 16th Sep 17, 5:56 PM
    • 3,624 Posts
    • 28,963 Thanks
    smallholdingsister
    Rant alert!

    Just looking to see when the live shows start for strictly and they mention "Reverend Richard Coles". Is it me or is his title "The Reverend Richard Coles"?

    Even the beeb now?!
    • smallholdingsister
    • By smallholdingsister 17th Sep 17, 8:24 AM
    • 3,624 Posts
    • 28,963 Thanks
    smallholdingsister
    Hmmmnnn. What do you do if a person doesn't collect a "collect only" ebay item?

    I have reminded them once (said her courier would be in touch asap, but nothing).
    • michelle09
    • By michelle09 17th Sep 17, 10:54 AM
    • 581 Posts
    • 2,719 Thanks
    michelle09
    I'm guessing eventually if they challenge it eBay will refund? Does eBay give a maximum on how long you have to store it?

    Success on the singing!
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