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  • FIRST POST
    • earthgirl
    • By earthgirl 13th Jan 18, 7:55 AM
    • 1,861Posts
    • 20,725Thanks
    earthgirl
    Earthgirl's Final Battle
    • #1
    • 13th Jan 18, 7:55 AM
    Earthgirl's Final Battle 13th Jan 18 at 7:55 AM
    Hello all,

    My last diary was unceremoniously deleted by the powers that be, and although I have tried to get it back the nice people at MSE towers can't reinstate it (just doing their jobs). I think the title might have offended somebody

    So as my last post was my goals for 2018 - where I laid out my plans for 2018 and hope to finally pay off this mortgage taken out in Nov 2013 - Its actually quite a good time to start a new diary.

    This will be my final battle - I have £11, 687 to pay off. I am also saving for holidays and travel.

    Thanks to the ed team for giving me access to a few posts - here is my last post:

    We have saved £28,000 towards our mortgage in 2017. Providing we pay the endowmwnt payments £50/month each times 2 endowments for 1 year and 3 years respectively, and that the endowmets make the mid estimated pay out, we need to find £11, 687 to pay off the mortgage.

    At one time I wanted to get that paid off in 2017, but I wouldn't swap the holiday for OHs 50th, which was our other big expense this year.

    So goals for 2018

    **Health**
    Whole family lead an active and healthy life (sleep, hyrdation, 5 a day, healthy food, acitve every day, less alchohol). I'm pretty well organised with this.

    **Wealth**
    Save £1000 per month to pay off mortgage by 2019. This is the year!
    Make an extra £400 / month an allocate to holidays and travelling
    Subject to revision if OH has periods of no/low income.

    **Life Well Lived**
    Lots of activities with family
    one to one time with kids and oh
    be present and mindful - less distractions when with family
    plan travel and holidays
    make more time for all of our hobbies - reading, gardening, languages, boys football.
    seeing friends and family a priority (cheaply, and for the kids too!)
    simplify life a bit more, and declutter life and home."

    And for good measure here is my first post from my last diary:

    My new diary is so named as the first morning we woke up in our new house after running out on our old life, we all ended up dancing around the living room playing air guitar to this tune. DH and I had a bit of a moment as reality set in!

    We decided fairly quickly to move on from our old secure little life, with reasonably secure income and no mortgage, to take a chance on our dream house by the sea. With a bit of stress and 'homelessness' in the middle we now the owners of a lovely family home on the west coast of Scotland. We had savings of about £250,000 thanks to mse and this board in particular, we have spent about £20,000 on the move itself, and now have to pay off £147,500 for our new mortgage.

    Only problem is we have little income as I gave up my job and dh is remodelling his business, but we have lots of positivity and determination!

    I'd like to set a target of paying it all off in ten years. I'd like to pay off £10,000 in the next 12 months.

    Off we go.... ![](http://static.moneysavingexpert.com/images/forum_smilies/action-smiley-033.gif) ![](http://static.moneysavingexpert.com/images/forum_smilies/action-smiley-033.gif)

    old diary here http://forums.moneysavingexpert.com/showthread.php?t=3978475"
    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 )
    Sept 17 £22,619 Jan 18 - £11,687
    Kids savings 13,578/36k
Page 1
    • Silence101
    • By Silence101 13th Jan 18, 8:45 AM
    • 318 Posts
    • 516 Thanks
    Silence101
    • #2
    • 13th Jan 18, 8:45 AM
    • #2
    • 13th Jan 18, 8:45 AM
    A pity about your old diary, but wow! You’re on the home run now! And in less than 10 years too. That is very impressive!
    I like your goals for this year too. Good luck!
    09/17 Shared Ownership 50% share - Mortgage £77500 Original MFW 2052
    17/18 OP £7700
    • Courgette
    • By Courgette 13th Jan 18, 8:48 AM
    • 1,669 Posts
    • 17,739 Thanks
    Courgette
    • #3
    • 13th Jan 18, 8:48 AM
    • #3
    • 13th Jan 18, 8:48 AM
    Whaaaaattttttt???? Your diary was deleted!?!?! Why????

    But WOW!!! £11k to go! You are an inspiration!!
    A reminder to myself: Persistence Pays Off
    Mortgage 1: £95,000 £78,900 at 3.1%
    Mortgage 2 (BTL): £83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): £3000 Plus 6 months emergency savings earning 3%
    • CathT
    • By CathT 13th Jan 18, 8:51 AM
    • 5,431 Posts
    • 37,614 Thanks
    CathT
    • #4
    • 13th Jan 18, 8:51 AM
    • #4
    • 13th Jan 18, 8:51 AM
    11k is nothing for you EG, this is definitely your year!!
    Jan 2018 -
    part 1 - £79,207
    part 2 - £45,863
    Total - £125,070
    • apple muncher
    • By apple muncher 13th Jan 18, 8:53 AM
    • 6,793 Posts
    • 50,578 Thanks
    apple muncher
    • #5
    • 13th Jan 18, 8:53 AM
    • #5
    • 13th Jan 18, 8:53 AM
    Gosh, soooo frustating to be deleted! I'd be gutted to lose all the info I'd written down and the chance to look back on my progress. Maybe I should start a new diary, just in case I get wiped...!

    I read on someone else's thread - who it had happened to recently - that it could be due to the location of the SPAM button which is on the right side and easy to press when scrolling down on a mobile phone. And too many spam mentions = deletion it seems. Basically, a design fault.

    Glad you were able to access some posts and have hit the ground running.

    Go girl!
    Last edited by apple muncher; 13-01-2018 at 8:55 AM.
    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
    • Karmacat
    • By Karmacat 13th Jan 18, 9:08 AM
    • 28,362 Posts
    • 157,944 Thanks
    Karmacat
    • #6
    • 13th Jan 18, 9:08 AM
    • #6
    • 13th Jan 18, 9:08 AM
    What they all said! So sorry to hear about the deletion ... and yes, I realise now, accidental pushing of the spam button can have as bad an effect as too much spam being posted

    You really are on the home stretch now! £12k plus travel - loving it. Subscribing again right now
    Retired August 2016
    • earthgirl
    • By earthgirl 13th Jan 18, 9:11 AM
    • 1,861 Posts
    • 20,725 Thanks
    earthgirl
    • #7
    • 13th Jan 18, 9:11 AM
    • #7
    • 13th Jan 18, 9:11 AM
    Thank you so much for coming and posting - I really appreciate it! Took me a week to get over just losing everything I'd thought and written down over 3.5 years.

    But I was mainly worried that i'd lose all the constructive comments, ideas and support - that's what really spurs me on! You have made my day - thank you!
    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 )
    Sept 17 £22,619 Jan 18 - £11,687
    Kids savings 13,578/36k
    • Suffolk lass
    • By Suffolk lass 13th Jan 18, 9:14 AM
    • 1,642 Posts
    • 18,481 Thanks
    Suffolk lass
    • #8
    • 13th Jan 18, 9:14 AM
    • #8
    • 13th Jan 18, 9:14 AM

    I read on someone else's thread - who it had happened to recently - that it could be due to the location of the SPAM button which is on the right side and easy to press when scrolling down on a mobile phone. And too many spam mentions = deletion it seems. Basically, a design fault.
    Originally posted by apple muncher
    Yes, this is the reason - the system has a threshold and then auto-deletes. A combination of the removal of the occasional real spam post and accidental scrolling has resulted in some much loved threads disappearing. Good luck with your final push!
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2018 #53 - my annual target is £10,000
    OS Grocery Challenge 2018 budget of £3,500 including stores
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Karmacat
    • By Karmacat 13th Jan 18, 9:17 AM
    • 28,362 Posts
    • 157,944 Thanks
    Karmacat
    • #9
    • 13th Jan 18, 9:17 AM
    • #9
    • 13th Jan 18, 9:17 AM
    Oh sweetheart that's awful. I'm really glad you started up again, and I'm really glad you posted the link on my new diary, that was definitely the right thing to do once you're able to face posting again. It does make me think ...

    It sounds like you don't feel as bad as you did, but take care of yourself, okay?

    x
    Retired August 2016
    • cookie9
    • By cookie9 13th Jan 18, 11:07 AM
    • 737 Posts
    • 3,662 Thanks
    cookie9
    Oh EG so sorry about your old diary. Glad to see you posting on this new one.
    MFW 91 op 2014 £410/1000
    MFW 91 op 2015 £4051/4000
    MFW 91 op 2016 £4040/4000
    MFW 91 op 2017 £812/4500
    • Cherryfudge
    • By Cherryfudge 13th Jan 18, 11:33 AM
    • 1,086 Posts
    • 5,170 Thanks
    Cherryfudge
    I'm very sorry to hear you lost your original thread. Having lost a blog once I know it's big thing. I think there's is a way of saving or printing threads, isn't there? Perhaps look into that one so you can keep your progress from hereon in.

    Anyway, good to see the new thread, I'm about to subscribe.
    • themadvix
    • By themadvix 13th Jan 18, 11:40 AM
    • 1,254 Posts
    • 7,546 Thanks
    themadvix
    So glad to have found your new thread EG, and what a pity about the old one. £11,000 to go - you'll easily get that sorted this year!
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • redofromstart
    • By redofromstart 13th Jan 18, 2:40 PM
    • 860 Posts
    • 4,947 Thanks
    redofromstart
    hi earthgirl, I lost mine elsewhere and found it really frustrating.

    they really need to sort that spam thing, its so easy to press on tablets when you don't mean to.
    • greent
    • By greent 13th Jan 18, 3:33 PM
    • 6,665 Posts
    • 67,781 Thanks
    greent
    Waaaaaaahhhhh!!! What a total pain

    But glad to see you posting again - and we're all behind you - you'll smash this in 2018!! 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
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £0/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 £991.65/£17044.10 Decluttered 151/2018 items
    • smallholdingsister
    • By smallholdingsister 13th Jan 18, 4:01 PM
    • 3,628 Posts
    • 28,981 Thanks
    smallholdingsister
    No way the old title was offensive. You are so close to mortgage freedom. What will you do then?
    • Goldiegirl
    • By Goldiegirl 13th Jan 18, 4:29 PM
    • 8,409 Posts
    • 48,191 Thanks
    Goldiegirl
    I can't believe they deleted your old diary!

    However, best wishes for the final battle
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • earthgirl
    • By earthgirl 13th Jan 18, 6:09 PM
    • 1,861 Posts
    • 20,725 Thanks
    earthgirl
    Thank you all so much. I am back on track with my favourite people helping, means a lot!

    So today £3 spent on ds1 football class, £5 spent on swimming for me and kids. This is such a good deal, ds1 gets your play on the inflatable run and I teach ds2to swim. Major breakthrough today as he swam underwater and kind of dived down to collect dive toys as well. He was given the dive toys for Christmas and I asked to borrow goggles at the pool- they told me to keep them as the change in him was so miraculous- like something just clicked. Phew, I was about to sign him up for lessons at £29/ month.

    Boys had friends to play too this morning which was cheap and they really enjoyed. Maybe we ll just the number of friends next time as ds2 struggled a bit with the four boys.
    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 )
    Sept 17 £22,619 Jan 18 - £11,687
    Kids savings 13,578/36k
    • A Frayed Knot
    • By A Frayed Knot 13th Jan 18, 6:28 PM
    • 2,205 Posts
    • 9,916 Thanks
    A Frayed Knot
    Oh just "heard" about your diary disappearing - how awful, think I would feel they have just wiped out all my o/ps

    Yes, this is the reason - the system has a threshold and then auto-deletes. A combination of the removal of the occasional real spam post and accidental scrolling has resulted in some much loved threads disappearing. Good luck with your final push!
    Originally posted by Suffolk lass
    If you press this in error or at all, a pop up asking "are you sure" or Please confirm ought to be enough to filter out the "pressing in errors" That way they get the "real" 's
    Hope they do this soon.
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69,2016/£3186.80
    2017 £4068.97
    • beanielou
    • By beanielou 13th Jan 18, 8:09 PM
    • 49,539 Posts
    • 186,408 Thanks
    beanielou
    Happy shiny new diary
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Tahlullah
    • By Tahlullah 13th Jan 18, 8:56 PM
    • 829 Posts
    • 4,757 Thanks
    Tahlullah
    Wow, I would be gutted!

    Cheering you on for your final year. Nearly there!

    Tx
    Striving to be mortgage free.
    2018 MFW #135

    £100 of £2000
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