Our Small-Holding Dreams & Moving Forward Diary 2021

Hello All  :)

The World Events of the last year have shook us awake and we (my little family) have come to realise now is the time to pursue our self-sufficiency small holding dream.
Myself and my DP both have mortgaged properties to renovate and sell, then we shall put the proceeds towards some land and a small farmhouse style property.
We both work from home now - due to redundancy -  and don't plan on a return to the work place. Even though our monthly income has taken a bashing, we realise working from home and living a more relaxed lifestyle has given up a quality of life we never expected. We have also started to electively home educate this year. So whilst renovating homes, working from home and home educating, we are also trying to live a more frugal and financially savvy lifestyle to enable this new, more connected lifestyle.

I plan on keeping this diary to keep track on our progress, note down even small victories and hopefully use to reflect back upon when times get tough.


To an illuminating 2021 for us all  <3

"Feeling Magical''   
Be Kind. Be Positive. Be Strong, Be Happy
2021 The Year of Our Small-Holding


  • darrannah
    darrannah Posts: 143 Forumite
    First Anniversary First Post
    What a fabulous dream and ambition, I think I could go for the farming life myself but OH is definitely a town guy! 
    We also self educated our daughter (she decided she wanted to return to school after 18months) it’s so much more fun and the 1-on-1 means the learn a whole lot more and at a quicker pace. The main reason we liked it, was so we could teach her life skills that aren’t (but should be) taught in school like cooking/finances etc.
    Anyway, I look forward to reading more on your progress, and good luck on your journey :) 
    What’s meant for you will not pass you 😃
    A fool and his money are soon parted!
    use it up, wear it out, make it do or do without :)
    EF -£860 Total debt - £2070 (DF March 2020)
    Clubcard-£10.50, coop card £15.63 Surveys cash- 8.94
  • A fabulous dream...all the best with your plans to make it a reality.
    paydbx2024 #2 £480/£5000 . Mortgage £144k start ~ £148k Jun 23 -
    2024 savings challenge £5/£2000
    EF £140. Savings 2 £30.00. Weekly savings envelope #17
  • savingholmes
    savingholmes Posts: 27,309 Forumite
    Name Dropper First Anniversary Photogenic First Post
    All the best.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £11.9K
    3) CC £3.7K on 0% spends card but offset by £34K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value @15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • What a lovely ambition to have. I could imagine myself on a small holding with a few sheep & goats roaming about. I’ve only had cats, dogs & chickens so far but it must be nice to be more self sufficient.
    We also have the same guilty pleasure, I love watching a bit of Judge Judy whilst eBaying 🤣
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