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  • FIRST POST
    • earthgirl
    • By earthgirl 13th Jan 18, 7:55 AM
    • 2,042Posts
    • 22,834Thanks
    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 Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
Page 3
    • earthgirl
    • By earthgirl 19th Jan 18, 5:23 PM
    • 2,042 Posts
    • 22,834 Thanks
    earthgirl
    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.
    Originally posted by Karmacat
    I don!!!8217;t recommend any for cancer checks, there was one I looked into sk1nv1sion (but with i) but it was a subscription service and only 80 percent accurate so I!!!8217;d have to go to docs anyway. I!!!8217;d also worry about losing my photos with an app.

    I have decided to just photograph my own moles and keep in a notebook in my ever note app. I use this for everything and trust eve note.

    I!!!8217;ve also put a check my chaps reminder every month on my google calendar. I!!!8217;ll put the smear in as well.

    In other news I!!!8217;ll be a fake tan user (better late than never ) and sunblock user. And my daily moisturiser will be used up in winter and replaced by one with an spf in. Maybe overkill for Scotland though!!!
    Last edited by earthgirl; 19-01-2018 at 5:29 PM.
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • Karmacat
    • By Karmacat 20th Jan 18, 9:34 AM
    • 29,312 Posts
    • 167,869 Thanks
    Karmacat
    Thanks for that earthgirl - I agree, 80% is no good! Interesting idea to photo the moles, I shall do that.

    Have a lovely weekend!
    Retired August 2016
    • earthgirl
    • By earthgirl 20th Jan 18, 7:33 PM
    • 2,042 Posts
    • 22,834 Thanks
    earthgirl
    My moisturiser already has spf15 in which is fine for Scotland, with sunblock for days I!!!8217;m not inside at work, and it!!!8217;s sunny, which is about 2.5 days per year

    Anyway, starting to recover from the horrendous news. I already had a big focus on spending time with kids doing things that make us happy. We all had a brilliant day. Oh was golfing then out with friends. Boys were out playing at friends /here with friends and I took some of them swimming, so £6 spent but a great day enjoyed.
    Leftovers for tea.

    Whilst we had kids playing here I managed to finish my weekly cleaning Rota and do most of next weeks as well

    I!!!8217;m feeling a bit disconnected from oh and think it!!!8217;s due to the new schedules the boys have for after school activities and generally being busy. I!!!8217;ve decided to try to plan a night out (fairly local pub does two steak meals and a bottle for £20, or use vouchers etc) once per month. Another week I can do a date night in, and two weekends we can do a Sunday coffee date whilst the kids are at grandparents/sunday school.
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • Karmacat
    • By Karmacat 20th Jan 18, 7:39 PM
    • 29,312 Posts
    • 167,869 Thanks
    Karmacat
    That's a really good idea - when everyone has busy lives, you have to plan your time with your partner, to a certain extent.
    Retired August 2016
    • beanielou
    • By beanielou 20th Jan 18, 7:52 PM
    • 55,063 Posts
    • 219,995 Thanks
    beanielou
    Great idea on the date nights & thats a good deal at the pub
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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***
    Out of debt, out of danger.
    • Cherryfudge
    • By Cherryfudge 20th Jan 18, 10:30 PM
    • 1,761 Posts
    • 9,639 Thanks
    Cherryfudge
    Good idea to treat each other as you did when you first met Unless of course you were sworn enemies in primary school... Hope you both enjoy your dates!
    • earthgirl
    • By earthgirl 21st Jan 18, 4:20 PM
    • 2,042 Posts
    • 22,834 Thanks
    earthgirl
    Thanks for your comments -agree it!!!8217;s important to spend time together. On reflection I!!!8217;d like to do it for free if I can, although £20 for meal and drinks is a good deal, it still adds up if you do it every month. On the other hand I like to support local businesses too...

    A nsd today, everything was snowed off and we had a great time sledging and snowballing. Going to cook a Shepard!!!8217;s pie now and parents in law might come for dinner if the weather stays ok.

    Mystery shops have dried up this week I really need to tap into other income sources. Off to come up with a plan!
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 24th Jan 18, 11:57 AM
    • 2,042 Posts
    • 22,834 Thanks
    earthgirl
    Increasing income:
    So I!!!8217;m trying to make £400 / month extra to go towards my travel budget. This Might be more in summer and less throughout the year but I find the target !!!8211; and the goal of more holidays !!!8211; really motivating for me, and it pushes me to do extra bits of work here and there to make the target.
    So in January, I have earned £40 from mystery shops, £20 from surveys. Still a lot to find to hit my £400 target! I am hoping to get some bank account switching cash but that will arrive in future months. I could make more of this and switch OH too.
    I will try the job spotter app, and sell old cds and books. I could also hoard the loo rolls etc to sell as I have lots of spare space.
    I need to find time to Ebay and I!!!8217;d like to list our spare room to rent long term. I could revamp my tutoring business as well !!!8211; only one paying client at the moment. I also need to rethink about hosting students in the summer. I said I wouldn!!!8217;t but now I think it might be worth it to put in the amazing holiday and travel fund.
    I also think that in the future when the kids are older, I!!!8217;ll have much more opportunity to earn more when they are with their friends and out all day. It seems silly to work now when I could be actually spending time with them now and working more in the future.
    OH and I have also discuss the opportunity of getting a buy to let in the not too distant future. We will need to replace windows and doors soon, and redo one more bathroom -these will be fairly big costs and we don!!!8217;t have a house maintenance budget as such. The rest of the work is internal decorating which OH will do cheaply
    To do:
    Do banking switch for OH
    Use The job spotter app
    Sell old cds and books
    Hoard rubbish for sale
    Sell on ebay
    Revamp tutoring business !!!8211; facebook page, g my business and also with agencies.
    Go through the rest of the up my income guide.
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • edinburgher
    • By edinburgher 24th Jan 18, 2:02 PM
    • 11,148 Posts
    • 59,854 Thanks
    edinburgher
    People buy rubbish?
    • Karmacat
    • By Karmacat 24th Jan 18, 5:45 PM
    • 29,312 Posts
    • 167,869 Thanks
    Karmacat
    Earthgirl, its probably really important to judge what will be most profitable and focus on that. None of us can do it all. Hoarding the loo rolls (which, yes, I have seen them sell, but one in a million, I don't think its regular) won't bring in nearly the kind of profit that renting out a room on airbnb will do, or getting an extra student. The hourly rate for the rental/tutoring is really different from the small stuff too.

    All good ideas, but we only have so many hours in the day
    Retired August 2016
    • earthgirl
    • By earthgirl 24th Jan 18, 6:47 PM
    • 2,042 Posts
    • 22,834 Thanks
    earthgirl
    I know, the bnb and longer term lodger doesn!!!8217;t take much time, but the tutoring does and it!!!8217;s time away from the kids. I!!!8217;m trying to think of ways to earn than don!!!8217;t impact on my time with them.

    In savings I have started to review my spending every week. I!!!8217;ve boticed grapes are really expensive, and quinoa is expensive and can be substituted with potato!!!8217;s and rice.
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 25th Jan 18, 2:57 PM
    • 2,042 Posts
    • 22,834 Thanks
    earthgirl
    Feeling quite emotional today. Refuse to see my life as a glass half empty and would rather look st the positives.

    My youngest was showing me videos from our Christmas holiday which was just amazing this morning. It made me feel bad along the lines of !!!8216;I!!!8217;m sorry that I don!!!8217;t earn enough to take you on fancy holidays every year!!!8217;. I know it!!!8217;s stupid it was just the look on his little face when he was showing me his very rough and ready videos of his holiday. Just emotions though!

    My glass really is half full, and rather than focusing on the things I maybe can!!!8217;t do (although I!!!8217;ll not stop trying!) I!!!8217;m going to focus on the things I can do. We have a lovely house near the beach that!!!8217;s almost paid off, we have enough food and clothes, we have each other, and friends. In fact we have everything we need.
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • edinburgher
    • By edinburgher 25th Jan 18, 3:15 PM
    • 11,148 Posts
    • 59,854 Thanks
    edinburgher
    EG, the lengths you go to to make sure your children are happy and secure never cease to amaze me, don't be so hard on yourself <<<--- rolls out the dodgy hug smiley
    • earthgirl
    • By earthgirl 25th Jan 18, 9:26 PM
    • 2,042 Posts
    • 22,834 Thanks
    earthgirl
    Hi Ed!! Thanks for the hug hate it when my emotional response trumps my rational one. I!!!8217;ve always believed that if you work hard enough you can achieve anything.

    So a good day for income: got my first job app thing so 50p in Vouchers (it all adds up!) got a ms for Sunday but we will do it as a breakfast date. Got a few more good surveys done, and paid in cash from tutoring in November, December and January £380 in. Enquiried about online teaching this could be a good possibility of earning when the children are in bed.

    £50 in groceries this week but it!!!8217;s to last 10 days.

    Great burns day here
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • themadvix
    • By themadvix 26th Jan 18, 9:11 AM
    • 1,718 Posts
    • 10,042 Thanks
    themadvix
    You have a great life now EG - you seem to have an excellent nose for finding free activities for the kids and, just remember, if you pay that mortgage off this year, as you intend, you'll be able to afford more of the more expensive holidays too - just at the age that they boys will really be able to appreciate them. Virtually nobody is in that position when they have children the age of your two - be very proud of what you're doing (for them and you)!
    OPs 2018 = £2090
    Moving savings = £636.46
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jun 2018: £92,000
    MFW2018 no. 38
    • rasputin_thorpedo
    • By rasputin_thorpedo 27th Jan 18, 3:15 PM
    • 402 Posts
    • 2,805 Thanks
    rasputin_thorpedo
    £11k - wow. That feels so achievable and tangible. At this point any extra you pay must feel like it!!!8217;s really making a difference!

    Keep going. We watch with antici......

    MvM x
    Baby Step 1 - £1k Emergency Fund - COMPLETE
    Baby Step 2 - Pay off all debts except the Mortgage - £9,326 to go
    Baby Step 3 - Save 6 months of expenses into full Emergency Fund - £4,300 to go

    Baby Step 4 - Put 15% into Pension
    Baby Step 6 - Pay off the Mortgage early
    Baby Step 7 - Live like no-one else
    • Cherryfudge
    • By Cherryfudge 28th Jan 18, 12:04 AM
    • 1,761 Posts
    • 9,639 Thanks
    Cherryfudge
    In savings I have started to review my spending every week. Iíve boticed grapes are really expensive, and quinoa is expensive and can be substituted with potatoís and rice.
    Originally posted by earthgirl
    Seasonal and local is the way to go - but incidentally while potatoes have vitamin C, white rice has almost nothing of nutritional value (brown is a lot better with fibre and vitamins and stuff) - but quinoa is a complete protein, so you do get more for your money.

    If you have a garden, plant any sprouted spuds and by the autumn you will have a load of freeby tatties. Meanwhile if you eat Weetabix I think their vouchers towards cheap fruit are going for about another 5 weeks, though they are specific to particular weeks so the longer the offer lasts, the less it's worth.
    • Karmacat
    • By Karmacat 28th Jan 18, 9:45 AM
    • 29,312 Posts
    • 167,869 Thanks
    Karmacat
    I've been wondering about quinoa - we're encouraged to use it as a carb, but the packet I bought as an experiment describes it as seeds .... hmmm. Thanks cherryfudge.
    Retired August 2016
    • earthgirl
    • By earthgirl 28th Jan 18, 9:47 AM
    • 2,042 Posts
    • 22,834 Thanks
    earthgirl
    Thanks for the replies. Cherry I really donít know enough about my food. I didnít know quinoa was a protein, and it is therefore cost effective I have got a book out of the library about the science of food.

    I do have a veg patch and Iím itching to get started again.

    Rasputin yes the end is in sight. Have to admit going on holidays motivates us as a family more, and the kids respond much better to me saying Ďno we are saving for a holidayí! But still itís good to be working towards both, and Iím determined to achieve both.

    A difficult couple of days, no heating (ongoing) one child very naughty on Friday (I was fuming, he wonít do that again for a while!) a play day here yesterday was a bit of a nightmare. Boys didnít want to go swimming, just felt too cold I think, but they had never been to Macdonaldís and they are 5 and 7, so I thought Iíd take them to warm up, we used the questionnaire voucher trick and spent £5.

    But I did manage to pack up a musicbird order to get the free £5 I hope, and I also reorganise kids wardrobes with lots to either Ebay or recycle for cash.

    I hope that I might be able to get another side earner teaching (thank you lovely friend on here). Oh will have to take over cleaning. Also thinking of doing fog sitting here. Oh has not been able to take any salary this month so we are down on our overpayment schedule, but not out!
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 28th Jan 18, 9:49 AM
    • 2,042 Posts
    • 22,834 Thanks
    earthgirl
    You have a great life now EG - you seem to have an excellent nose for finding free activities for the kids and, just remember, if you pay that mortgage off this year, as you intend, you'll be able to afford more of the more expensive holidays too - just at the age that they boys will really be able to appreciate them. Virtually nobody is in that position when they have children the age of your two - be very proud of what you're doing (for them and you)!
    Originally posted by themadvix
    Thanks themadvix, yes where would we be without paying it off especially pre kids- I dread to think! Thank you x
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
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