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  • FIRST POST
    • earthgirl
    • By earthgirl 13th Jan 18, 7:55 AM
    • 1,862Posts
    • 20,739Thanks
    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 2
    • apple muncher
    • By apple muncher 13th Jan 18, 9:18 PM
    • 6,801 Posts
    • 50,649 Thanks
    apple muncher
    I keep readin your title as 'Earth's final battle'!! And have visions of Battlestar Gallactica, the Borg and suchlike coming to attack us!
    NST January #1; NSD 14/18; Ex 17/12; 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
    • pinkypig
    • By pinkypig 14th Jan 18, 8:31 AM
    • 887 Posts
    • 7,637 Thanks
    pinkypig
    That's pants. Happy new diary and the very best of luck xx
    • earthgirl
    • By earthgirl 14th Jan 18, 3:24 PM
    • 1,862 Posts
    • 20,739 Thanks
    earthgirl
    Thank you yes it was a bit of a shock to have lost my diary but Everything happens for a reason and maybe this is an opportunity.

    So last night oh and I had a quick tea and then out for a drinks only date night, much cheaper than our usual meal out and good fun, and supporting the local pubs here.

    Today has been a nsd. Bracing walk on the beach then quick lunch and boys off to friends for play dates. I’m doing a roast and organising lunches and food for the rest of the week later whilst the boys watch the football.

    Next weekend ohs friends are coming to visit Friday and Saturday as a late birthday celebration, so 5 extra adults to cater for on Friday to Sunday. I’ll do a curry and a chilli on Friday night, bacon rolls on Saturday and Sunday morning, and get loads of rolls cheese, eggs and fine crisps and biscuits for lunches.

    I’m finding that the goal of saving £1000 for the mortgage each month, plus £400 for travel really motivates me (especially the travel!).

    This week I’ve put extra effort into not spending and saving including:
    £20 plus lots of food in 6 mshops
    An hour a day on ohs business (this is going well for him at present)
    No coffee shop spends
    £40 groceries and being more organised when shopping so I only went once and froze bread etc.
    Used a chemists voucher for cold remedies for oh and ds2 so nothing spent.
    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
    • WannabeFree
    • By WannabeFree 14th Jan 18, 4:27 PM
    • 397 Posts
    • 5,619 Thanks
    WannabeFree
    My new diary went too

    Glad to see you're back with a new one though I have subscribed to follow along x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • debtfreeforlife
    • By debtfreeforlife 14th Jan 18, 6:12 PM
    • 108 Posts
    • 560 Thanks
    debtfreeforlife
    Also following along, so sorry you have lost your diary. And I am so impressed with the 1k a month goal, I am aiming for £170 and that's making me nervous!
    GC Jan 18: £171.41/£220 | 2018 MFW #130: £0/£5000
    New recipe challenge: 1/52
    • themadvix
    • By themadvix 15th Jan 18, 8:57 AM
    • 1,258 Posts
    • 7,557 Thanks
    themadvix
    Do you have a plan for where you'd like to go next?
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • Cherryfudge
    • By Cherryfudge 15th Jan 18, 11:03 PM
    • 1,091 Posts
    • 5,210 Thanks
    Cherryfudge
    My new diary went too

    Glad to see you're back with a new one though I have subscribed to follow along x
    Originally posted by WannabeFree
    Oh no Wannabe! It explains why I can't read it - have been trying - hope you are okay? I will look out for your next incarnation. Every time you rise up stronger!
    • earthgirl
    • By earthgirl 17th Jan 18, 1:05 PM
    • 1,862 Posts
    • 20,739 Thanks
    earthgirl
    I didn’t realise lots of diaries were going. That’s awful.

    Had some terrible news and I can’t quite get my head around it. A School Mum friend passed away on Sunday whilst I was writing that post. She was only 40 and leaves a two year old and a 7 year old. Cancer. It’s so unfair.

    I can do the obvious helping out with the children in the future and I can support my own children who are also shocked, but there really isn’t anything else to be done.

    Had a good chat to my mum about the cancer in our family, and prompted me to look at the Nhs website to make sure I’m up to date.

    It’s just awful and the little community here is shocked.

    Hugging my boys extra tight and battening down the hatches against the weather. Feel better for posting
    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
    • Courgette
    • By Courgette 17th Jan 18, 1:11 PM
    • 1,669 Posts
    • 17,739 Thanks
    Courgette
    So sorry to hear that. Cancer is such an awful disease xx
    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%
    • Cherryfudge
    • By Cherryfudge 17th Jan 18, 1:40 PM
    • 1,091 Posts
    • 5,210 Thanks
    Cherryfudge
    So sorry to hear this. It really makes me realise what really matters in life.
    • themadvix
    • By themadvix 17th Jan 18, 1:41 PM
    • 1,258 Posts
    • 7,557 Thanks
    themadvix
    So sorry to hear your news. Definitely hug your boys tight - both so they know they're loved and so they don't disappear into a snowdrift!

    Stay safe in the weather x
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • Karmacat
    • By Karmacat 17th Jan 18, 1:59 PM
    • 28,374 Posts
    • 158,092 Thanks
    Karmacat
    Hugs are what matter, absolutely. And a good idea to make sure about your own family history - there's lots and lots of cancer in my family, but there's also one main type that gets a *lot* of cases - and I'm lucky that I don't have much of the main risk factor, sunbathing.

    Sorry your own boys are shocked as well, that must be really hard for you - but they *do* have you to lean on.

    Take care.
    Retired August 2016
    • beanielou
    • By beanielou 17th Jan 18, 2:25 PM
    • 49,570 Posts
    • 186,639 Thanks
    beanielou
    So sorry to read that.
    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***
    • apple muncher
    • By apple muncher 17th Jan 18, 6:40 PM
    • 6,801 Posts
    • 50,649 Thanks
    apple muncher
    sorry to hear the news. Totally get the hugging your boys a bit tighter.
    NST January #1; NSD 14/18; Ex 17/12; 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
    • earthgirl
    • By earthgirl 18th Jan 18, 7:14 PM
    • 1,862 Posts
    • 20,739 Thanks
    earthgirl
    Thanks everyone. We are all still a bit shocked. Ds1 particularly affected.
    Everything happens for a reason but it’s so hard not to be angry and upset.

    I am almost finished my research into cancer, I’m ashamed That i hardly knew any of the signs. I have learnt to “check my chaps” (Do not want to be deleted again!) and there is a good video of it from a morning breakfast show. I’ve done it and will do it every month. If in the shower I can put on a hair mask and face mask whilst I’m checking. Do it everyone!!

    It looks as if my mum is high risk and I’m moderate risk of that kind of cancer. I will see the doctors at age 39 to get a scan when I am 40.

    I need to look again at our life insurance dates.

    There is another test that ladies in England get that I don’t get in scotland. I am going to do this privately at a cost of £50.

    Finally I have roped OH into checking my moles and I’ll check his. (Going to keep a phone app folder for this, although you can get specialist apps but they cost money and I don’t think it’s worth it). Going to make stickers with sizes on like they had at the hospital.
    Last edited by earthgirl; 18-01-2018 at 7:40 PM.
    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
    • pennywisepoundstupid
    • By pennywisepoundstupid 18th Jan 18, 8:00 PM
    • 4,578 Posts
    • 15,016 Thanks
    pennywisepoundstupid
    I am so sorry to hear about your friend, cancer is a truly evil disease that tears families apart, I think it is worse when people are still young and have so much of their life ahead of them.

    EG, If you have family history please push for early scans, I Have family history but wasn't offered anything (mother, grandmother, G-grandmother) and here I am in my late 30s having had breast cancer and gone through surgery. I will now get yearly scans and they will keep an eye on me but only because of what I have been through, i'm waiting on results of genetic testing to see if I carry one of the faulty genes. The lump I had was a cyst and nothing to do with the cancer, if I hadn't got a tiny cyst and gone to the doctor, they wouldn't have picked up the cancer because it was deep in the tissue,well not until it was to late and I was told this by the consultant, very scary .
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £200.02 General savings £152.62
    Clothes challenge £250/£36.63
    • earthgirl
    • By earthgirl 18th Jan 18, 9:13 PM
    • 1,862 Posts
    • 20,739 Thanks
    earthgirl
    Wow penny wise thank you so much for sharing your experience! And so glad for you that it was found.
    My grandmother and her two sisters had it, but thankfully not my mum and no other close relatives. My mum is good at going for scans, they will stop for her now so I’m going to keep reminding her to self check and go to the doctors to ask for scans.

    Thanks again penny wise. Really inspiring story.
    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
    • earthgirl
    • By earthgirl 18th Jan 18, 9:49 PM
    • 1,862 Posts
    • 20,739 Thanks
    earthgirl
    So I’ve not just totally been off on a tangent with health. I’ve also been doing a few mse things:

    - two more ms this week so £14 in and a nice present for niece for free.
    - decided how to cut back on healthy food by doing swaps that are still healthy but much cheaper.
    - worked on ohs business

    Friends are not visiting this weekend (one very ill) so we will have a cheap weekend. Tomorrow I plan to finish off my basic to do list and get organised for next weeek.
    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
    • Karmacat
    • By Karmacat 19th Jan 18, 7:43 AM
    • 28,374 Posts
    • 158,092 Thanks
    Karmacat
    It sounds like it's really galvanised you, earthgirl - which I can absolutely understand.

    Can I ask what apps you'd recommend about cancer checks? I'm so new to the apps game, I don't trust my own knowledge yet.
    Retired August 2016
    • BISCUIT1
    • By BISCUIT1 19th Jan 18, 10:13 AM
    • 51 Posts
    • 69 Thanks
    BISCUIT1
    So sorry to hear about your friend and also your diary going-I had
    followed it for quite some time. Loving your "health", "wealth" and "life well lived" categories...a nice reminder of maintaining a balance especially if children are along for the MSE journey xx Thankyou xx
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