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  • FIRST POST
    • Courgette
    • By Courgette 26th Jan 18, 6:35 PM
    • 1,671Posts
    • 17,911Thanks
    Courgette
    Courgette resets her sights
    • #1
    • 26th Jan 18, 6:35 PM
    Courgette resets her sights 26th Jan 18 at 6:35 PM
    After a rather extended mfw hiatus, I think it's about time I re-sorted myself out and get back on track!

    DS3 goes to school in September and I've had a lovely few years being a SAHM with a bit of self-employed work chucked in. Our household income is very low though and I need to really start addressing at least my part of this. We've also just had a pretty massive extension done, and although I am beyond delighted with it, it has gone over budget. We now find ourselves in the excellent position of having run out of money before the new kitchen has run out of bills

    So the initial focus of this diary will be to earn and save the money we need to complete the kitchen. It's currently knocked through, plastered and the electric points have been put in but not wired up/made live.

    We've got about £600 left of the building budget which will go on the underfloor heating then we need to crack on and earn more money so we can buy the flooring and pay the electricians.

    Time to crack on!
    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%
Page 2
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 4th Feb 18, 9:08 AM
    • 936 Posts
    • 4,277 Thanks
    wishingthemortgaheaway
    Depending on where you live, have you thought about going in a car club scheme? Usually they are in big cities, so it might count you out. But the cars are left in designated places, you hire for a certain amount of time and then return to where you found it.

    Also, looking on groupon and cashback sites etc might get you a standard car hire car for a reasonable amount. Some places, that cater for the business market do 3 day!!!8217;s for the price of 1 or four for the price of two over weekends.

    Might not be an option, but just a thought.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 o/s £34,400
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 £124.36/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 4th Feb 18, 9:09 AM
    • 936 Posts
    • 4,277 Thanks
    wishingthemortgaheaway
    No idea why my apostrophes are being munched by gremlins, but someone else is having that issue too, or so I have read recently.

    Wish.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 o/s £34,400
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 £124.36/£2,500
    • newgirly
    • By newgirly 4th Feb 18, 10:34 AM
    • 6,108 Posts
    • 42,182 Thanks
    newgirly
    I can see how it might get you down not having a car, especially in winter and with young children in tow. Do you have good public transport where you are?
    MFW 21
    Target for 2018 £40k/£3769.26 paid so far

    Mortgage £43,856 4yrs 4 mths left. Total owed £58,228.74 planning to clear in 15 months
    Weight loss target 2018- 21lb /5 lb lost
    • edinburgher
    • By edinburgher 4th Feb 18, 10:41 AM
    • 10,884 Posts
    • 58,064 Thanks
    edinburgher
    C25K feels like a stretch for the first 4-5 weeks. Once you get over the 20 minute hump it's all plain sailing.
    • Courgette
    • By Courgette 9th Feb 18, 5:25 PM
    • 1,671 Posts
    • 17,911 Thanks
    Courgette
    Forgive me MFWers for I have sinned.....found a fabulous playmobil castle in a charity shop for £15. Just couldn't resist. We're at peak playmobil time here and I just love it so much. DS3 absolutely delighted!

    Also bagged a load of great quality school uniform for £1.20.

    Half term now. Need to keep focusing on building up eBay sales plus of course having a lovely (frugal!) time with my boys. Got some free activities booked in at the local library and parents in law coming down for a visit.

    On the spendy side, we have decided to block a door up and replace with a wall and window. Will look great and it's really made the downstairs of the house 'click' but......£1000. Ooooooffff!!!!!!
    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%
    • beanielou
    • By beanielou 9th Feb 18, 6:21 PM
    • 50,550 Posts
    • 193,239 Thanks
    beanielou
    Happy half term
    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***
    • Courgette
    • By Courgette 10th Feb 18, 9:14 PM
    • 1,671 Posts
    • 17,911 Thanks
    Courgette
    Depending on where you live, have you thought about going in a car club scheme? Usually they are in big cities, so it might count you out. But the cars are left in designated places, you hire for a certain amount of time and then return to where you found it.

    Also, looking on groupon and cashback sites etc might get you a standard car hire car for a reasonable amount. Some places, that cater for the business market do 3 day!!!8217;s for the price of 1 or four for the price of two over weekends.

    Might not be an option, but just a thought.
    Originally posted by wishingthemortgaheaway
    Thanks wishing. We do actually have a drop off point just round the corner from where we are. I don't quite get it though, as in I can't work out how it's supposed to be cheaper or more convenient than getting a taxi. Standard cost is £6pm membership, £5 per hour rental plus 20p per mile. Then you also need to get it back for a specific time which I think I would find quite stressful. Like, what would I do if I was in the car on my own and stuck in traffic? How could I go online to renew? Late fees seem fairly steep too but I can't remember what they are. It's a shame because it seems like such a good idea. I just can't work out the cost aspect of it though.
    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%
    • Courgette
    • By Courgette 10th Feb 18, 9:38 PM
    • 1,671 Posts
    • 17,911 Thanks
    Courgette
    Edited highlights of my life as a courgette
    Tried to do a multiquote thingy, have totally forgotten how to do it. Been away too long!

    Anyway, you asked for it, so here it is! (Not that thrilling really! )

    First started posting about 10 years ago. When I first started posting on this board I felt absolutely certain I'd be laughed off it. I was a single mother at the time and had just graduated my MA. I bought a house on minimum wage (long story, but persistence pays off, like it says down there!). For various reasons home ownership has always really mattered to me, not home ownership as in mortgaged, actual home ownership so I made a lot of sacrifices along the way. Anyway, you lot are the awesomest people pretty much on the whole internet and no one laughed at me ever!

    Over the course of my diary I qualified as a teacher, worked as teacher, hated it, left. I met, married and reproduced with a lovely man, and came within one month ONE MONTH of being mortgage free! One flaming month!

    I left teaching with nothing to go to and out of fear started working as a private tutor, something I appear to be very good at (I was rubbish at classroom teaching, too introverted so it exhausted me). I also started an eBay business 3 days before DS3 was due, as you do. I felt certain that tuition would dry up for me with 3 kids and no longer working in school but that hasn't been the case.

    A couple of years ago DH realised he hated his low paid high stress job and walked ( a few days shy of his 40th birthday, any link is purely circumstantial - no mid-life crisis here! ). He was at home for a bit running the day to day stuff of eBay and allowing me to throw myself into tuition. There was a point when I made more through private tuition than I had as a full time classroom teacher!

    Anyway, he works 2-3 days a week in an easy, stress-free job that pays okay but not amazingly, I still tutor and we run the eBay business together. Neither of us love it but it has been brilliant for allowing us to put the needs of our growing family first. We have a plan to continue to grow the business for three more years then to sell sell sell and pay off the mortgage.

    Oh - one month off being MF was because we bought somewhere new and our old place is now a BTL. We're accidental landlords rather than by design but it's been okay mostly. Really wish I could have got my MF badge like all the cool kids have!

    Er, what else? Last year I published an eBook (about being a private tutor - party on!) and have made a grand total of about a tenner in sales. However, I loved it and I totally intend to write more. Perhaps market them a bit better though

    Anything else? Is that enough?

    Oh the second: I asked for all my old diaries to be deleted a while ago. I was recognised in a museum once while I was randomly breastfeeding DS2 and it scared me a bit even though I pretended to laugh at the time. My diaries were very long and had a lot of personal information on them including the births of two of my children, miscarriages, the rise and fall of my teaching career, the city I live in, my date of marriage, my birthday. Yeah, identity hackers eat your hearts out!

    Anything else anyone wants to know?
    Last edited by Courgette; 10-02-2018 at 9:42 PM.
    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%
    • beanielou
    • By beanielou 10th Feb 18, 10:03 PM
    • 50,550 Posts
    • 193,239 Thanks
    beanielou
    Thanks for sharing courgette
    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***
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 11th Feb 18, 7:09 AM
    • 936 Posts
    • 4,277 Thanks
    wishingthemortgaheaway
    Wow Courgette, what a story. And I agree, the car club seems complicated. What a shame it is so.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 o/s £34,400
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 £124.36/£2,500
    • Courgette
    • By Courgette 11th Feb 18, 8:38 AM
    • 1,671 Posts
    • 17,911 Thanks
    Courgette
    Goodness, do you know.... It's SO good to be back! Have just read betterthanever's diary. Totally inspirational! And this place is full of diaries like that! Will never squander hours of my life on Facebook again

    Yesterday I spent the day clearing out and going through our eBay stock. Er, there's quite a lot of it! But it feels so much better for having had a proper inventory and a corresponding list of jobs to do. More to do today so will crack on in a bit. My plan is to turn DS1's bedroom into an office for tuition (he's traveling for at least a year) but to do that I'll need to make sure all the stock can fit in our downstairs eBay stock room

    Hoping DH feels like doing a cooked breakfast. Will just lie here a bit longer and see who caves first!
    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%
    • Betterthanever
    • By Betterthanever 11th Feb 18, 10:37 AM
    • 511 Posts
    • 3,364 Thanks
    Betterthanever
    Thanks, courgette. I am, however, no more inspirational than anyone else on here. It is a collective. A fabulous collective.

    I totally get what you mean about old diaries and too much info. I had to come back with a new ID and start again because of it. But, I got so much out of that time, and I clearly needed to share it back then so it's not all negative. Plus, I have met some of my fellow MSE diary posters who have truly become friends for life.

    I too am glad to be back!!

    Current balance £112,593.71. Offset £2,677.73. £109,951.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22 - 2018 O/pay £600
    Make £2018 in £2018 = £406.75/£2018
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • museumworker
    • By museumworker 16th Feb 18, 7:42 PM
    • 2,025 Posts
    • 11,713 Thanks
    museumworker
    Forgive me MFWers for I have sinned.....found a fabulous playmobil castle in a charity shop for £15. Just couldn't resist. We're at peak playmobil time here and I just love it so much. DS3 absolutely delighted!

    Also bagged a load of great quality school uniform for £1.20.

    Half term now. Need to keep focusing on building up eBay sales plus of course having a lovely (frugal!) time with my boys. Got some free activities booked in at the local library and parents in law coming down for a visit.

    On the spendy side, we have decided to block a door up and replace with a wall and window. Will look great and it's really made the downstairs of the house 'click' but......£1000. Ooooooffff!!!!!!
    Originally posted by Courgette
    Good charity shop deals, playmobil hardly ever appears in the charity shops near here so that was a good find.

    Multiquote is the two speech bubbles, you can choose up to three then press quote to reply to them all.

    Potted history was useful for me as I've pretty much slept walked through the last few years so was unaware of Mr C ditching the stressful job. Good on him!

    And please do mention any good diaries you read, I'm enjoying finding new ones too. Much better reads than FB as you say!

    Ah Museumworker I have been following your career with interest and isn't part-time museum life simply lovely? Reallly good to 'see' you.
    Originally posted by tootallulah
    Hey toots, yes it's been a busy few years for me careerwise and no doubt you were sick of my face with all the press on my last project . Unfortunately I haven't yet experienced the true joy of part time but am planning to stick to my hours from March.
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • Courgette
    • By Courgette 17th Feb 18, 9:33 AM
    • 1,671 Posts
    • 17,911 Thanks
    Courgette
    Had a lovely half term week. In-laws visiting so yesterday they took the boys out and I have brainstormed and started to plan my next ebook. I've also spent quite a bit of time working out where the gaps in the current market is so hoping this one will sell better. It will also link well into my tuition business so will help with that if nothing else.

    Had a spendy day to a museum quite a few miles away. It was one of those destination museums in a grotty place to try to entice people to visit. Anyway, was £40 for an annual pass, £17 on train and £30 for railcard (which immediately reduced train fare by about £15). Boys had a great day, we all did actually so no regrets. Plus we now have unlimited entry so some good days out coming up for just £17 train fare. DS2 especially has asked to start doing more stuff, I think he's feeling hemmed in too.

    Done some tuition but not loads, just £150 earned over the week. Been nice to have a rest. Seen an uplift in eBay sales too so my tinkering is working.

    Today's excitement will be taking a lump of lead back to the roofing merchant. Expecting about £130 back so well worth doing. Not quite sure how I'm actually gonna carry it though! 37kg but very small
    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%
    • beanielou
    • By beanielou 17th Feb 18, 12:47 PM
    • 50,550 Posts
    • 193,239 Thanks
    beanielou
    Hope you get your refund ok
    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***
    • museumworker
    • By museumworker 17th Feb 18, 1:59 PM
    • 2,025 Posts
    • 11,713 Thanks
    museumworker
    The museum sounds really interesting, if you can message me which one and what you thought I would be really interested to hear. And now you can have a whole year of visits, great!

    Good luck with returning the lead - sounds heavy!
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • Courgette
    • By Courgette 17th Feb 18, 5:19 PM
    • 1,671 Posts
    • 17,911 Thanks
    Courgette
    Whoop £161 back from roofers! I'd forgotten to add VAT! That's nearly 20% of our current target for the next bit of building work so very pleased with that!

    MW - will do!
    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%
    • beanielou
    • By beanielou 17th Feb 18, 8:10 PM
    • 50,550 Posts
    • 193,239 Thanks
    beanielou
    Great news on the refund.
    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***
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