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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 6
    • apple muncher
    • By apple muncher 12th Feb 18, 7:35 AM
    • 7,387 Posts
    • 55,645 Thanks
    apple muncher
    Gosh,but that's an early start at the weekends! Hope it runs smoothly.
    NST June Odyssey #20; NSD 11/15; Ex 9/20 ; craft / (69); remove 54 (433)
    2018 Pay off: £2110; 2
    018 sell

    Mortgage £21,033 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Courgette
    • By Courgette 12th Feb 18, 8:21 AM
    • 1,723 Posts
    • 18,249 Thanks
    Courgette
    Yay, well done Earthie! I work Saturday at that time too so we can give eachother virtual moral support!

    Re you in 2008, don't forget that was pre kids. I was also very focused around that time but finding the balance of working towards the future and being what your young children need right now is not easy. I think you're managing it much better than me.
    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%
    • earthgirl
    • By earthgirl 12th Feb 18, 8:23 AM
    • 2,042 Posts
    • 22,834 Thanks
    earthgirl
    Thanks for commenting. Peach hair is different! Yes its an early start but thats why it suits me, a couple of hours work before the boys need me.

    Ive been reflecting on how things have changed to ten years ago, and the most obvious one is the fact that my time is not really my own, although it is getting better, I still have to stop what I am doing to look after the kids. Hence my interruption yesterday when posting my list!

    My relationship with oh is better, not so with my mum, although that is a bit up and down. Also I used to wotk so hard at school. I think I can take a few lessons from my former self!

    So I’m determined to pay off this mortgage and travel again at Christmas.

    Things to prepare for that might stop me:
    Lots of meals out coming up - 1 for mil, 1 for mothers day. I will get oh to pay for these.
    Need to organise presents from store/home made for mil birthday, fil birthday, something little for two sil.
    Boys need mouldedcstuds boots - get off Ebay?

    Saving money
    Reduce electricity usage (smart meter?)
    Keep improving petrol usage
    Improve grocery bill (£40/week currently, but could reduce with more veggie meals)
    Plant veg and flower seeds for best ever garden year I hope!

    Upping income
    Work on ohs business 1 hour per day (weekdays)
    promote tutoring
    rent room out longer term
    Set up dog sitting
    More Ebaying

    Life
    Exercise 5 times a week
    Healthy diet
    Free date with oh once per week (this can just be a quick sandwich together) ms booked for Valentines Day.

    Remember every penny counts!

    Today I am going to:
    Post Ebay sale
    Check tyre pressure
    Look for football boots on Ebay.
    Drive home
    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
    • pennywisepoundstupid
    • By pennywisepoundstupid 12th Feb 18, 8:30 AM
    • 4,798 Posts
    • 16,343 Thanks
    pennywisepoundstupid
    Morning Earthgirl, check out Sp0rts direct or M&M direct for cheap footie boots you can often pick them up for around £10 a pair in the sale for kids sizes. Can often work out cheaper than ebay if your buying more than 1 item as your only paying 1 lot of postage and sp0rts direct you can collect from store.
    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 £1000/£349.02 Kitchen savings stage 1 £1500/£160.24
    Amazon vouchers
    £9
    • WannabeFree
    • By WannabeFree 12th Feb 18, 10:45 AM
    • 1,624 Posts
    • 14,183 Thanks
    WannabeFree
    Well done EG

    While looking back 10 years ago don't just see the 'negative' side of how things compare too now look how much you've achieved! You're a wonderful mum to the boys and you work hard to get how far you are today.

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • smallholdingsister
    • By smallholdingsister 12th Feb 18, 12:04 PM
    • 3,591 Posts
    • 30,150 Thanks
    smallholdingsister
    Have you gone off airbnb?

    It's very quiet for me since Nov.
    • earthgirl
    • By earthgirl 12th Feb 18, 8:43 PM
    • 2,042 Posts
    • 22,834 Thanks
    earthgirl
    Thanks yes I know I!!!8217;m not just looking at the negatives in comparison to now, it!!!8217;s good being closer to OH and of course my children are just the love of my life.

    Airbnb very quiet. I think there is a lot more competition. We had s longer term lodger and it was great so I!!!8217;m looking into that again.
    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
    • smallholdingsister
    • By smallholdingsister 14th Feb 18, 8:07 AM
    • 3,591 Posts
    • 30,150 Thanks
    smallholdingsister
    We had someone wanting to look at the room, so we said she could, then realised she wasn't even properly registered so wouldn't be able to book anyway.
    • edinburgher
    • By edinburgher 14th Feb 18, 9:15 AM
    • 11,148 Posts
    • 59,854 Thanks
    edinburgher
    Children's activities can be quite expensive, can't they? I've had a chat with Mrs E about some of the things that she wants DD to try and while I'm supportive of anything that she enjoys and provides exercise, Mrs E doesn't quite seem to appreciate how a low weekly cost translates into high total costs. £5 might seem reasonable for dancing (for example), but there's a registration fee, uniform, driving to and fro...
    • beanielou
    • By beanielou 16th Feb 18, 3:23 PM
    • 55,063 Posts
    • 219,995 Thanks
    beanielou
    Children's activities can be quite expensive, can't they? I've had a chat with Mrs E about some of the things that she wants DD to try and while I'm supportive of anything that she enjoys and provides exercise, Mrs E doesn't quite seem to appreciate how a low weekly cost translates into high total costs. £5 might seem reasonable for dancing (for example), but there's a registration fee, uniform, driving to and fro...
    Originally posted by edinburgher
    Agreed
    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.
    • earthgirl
    • By earthgirl 16th Feb 18, 5:20 PM
    • 2,042 Posts
    • 22,834 Thanks
    earthgirl
    Yes ed I agree. Judo went up to 4.60 per lesson each plus kit plus grading fees. They didn!!!8217;t enjoy donit was axed. At least the football they love, make friends and get exercise.

    Got both football boots off Ebay in the end And managed to get them for £10 and £7. Thanks for the tips for the shops but they wanted specific ones and it!!!8217;s better to get them ones they!!!8217;ll wear and love, especially if they are only £7!!

    Had a lovely valentines meal as a mystery shop with oh, total cost me £5 and it was really good.

    Awful situation at work and still not quite sorted, very stressful, not sure what I can post here so I!!!8217;ll just say I was very upset but have evidence that I am in the right. Again. Will have to collate all this evidence and get hold of local union reps number for next week.

    Also fell out with my mum, we don!!!8217;t always agree about my children!!!8217;s behaviour.

    I!!!8217;m strong enough to deal with it all even though sometimes I don!!!8217;t feel that way.

    Going to do a big brain dump and categorise into lists and get going!
    Myweekrnd job doesn!!!8217;t start till next weekend so I can get plenty done this weekend.
    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
    • WannabeFree
    • By WannabeFree 16th Feb 18, 6:26 PM
    • 1,624 Posts
    • 14,183 Thanks
    WannabeFree
    Sorry to hear about work and your mum

    While she might have her opinion on your children's behaviour she might needs to remember they are your children not hers. I've learnt to pretend I'm listening and secretly roll my eyes at some of my

    Hope you get work sorted too.

    Valentines meal sounds wonderful even more so at a cost of £5!

    Have a lovely weekend

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • earthgirl
    • By earthgirl 16th Feb 18, 7:46 PM
    • 2,042 Posts
    • 22,834 Thanks
    earthgirl
    Thanks wannabe pleased it is not just me with the family and my children. I am not sure why I can not use apostrophes anymore
    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
    • apple muncher
    • By apple muncher 16th Feb 18, 8:51 PM
    • 7,387 Posts
    • 55,645 Thanks
    apple muncher
    Re the apostrophe thing: go to Treadingonplaymobil's thread and post #2473 - Cumbria lass explains how to sort it.
    NST June Odyssey #20; NSD 11/15; Ex 9/20 ; craft / (69); remove 54 (433)
    2018 Pay off: £2110; 2
    018 sell

    Mortgage £21,033 (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 17th Feb 18, 9:20 AM
    • 29,312 Posts
    • 167,869 Thanks
    Karmacat
    Yep, the apostrophes are general.

    Earthgirl, sorry you've got the problem with your mum - your children sound *so* good!

    Dropping judo - absolutely, since they don't enjoy it. Win-win
    Retired August 2016
    • earthgirl
    • By earthgirl 17th Feb 18, 12:09 PM
    • 2,042 Posts
    • 22,834 Thanks
    earthgirl
    Thanks for the help with the apostophes!!

    Yes I'm going to take onbaord some of my mums thinking- be more consistent and firm with the boys. They are generally well behaved but they spent quite a few rainy hours in my mums little house and the enevitable happened. Anyway my problem wasn't with her having a different opinion, but I just felt under attack personally. I think thats just how I am feeling in life at the moment.

    I don't want to go into too much detail but I am definately having significant and health altering issues at work. I've decided to get it all organised in a notebook and speak to the union again next week.
    Thinking of doing a timeline and organising the facts - who what when where and the proof I have in my notebook.

    Boys happy playing with friends and I am stressing about this so its time to take action.
    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 17th Feb 18, 12:14 PM
    • 29,312 Posts
    • 167,869 Thanks
    Karmacat
    Awww ... hugs to you.

    Consistency ... yes, in general, the same with any boundaries - if they know what you want from them, they'll know where the line is, even if they ignore it sometimes!

    xxx sorry about all the stress you're under.
    Retired August 2016
    • earthgirl
    • By earthgirl 17th Feb 18, 12:48 PM
    • 2,042 Posts
    • 22,834 Thanks
    earthgirl
    Thanks karma! Im feeling so much better now I have written the latest things down. Still need to print off a few email etc at work and file.

    OH tells me that his approach in meetings would be focus on the facts. I think that's how I am going to have to train myself to be.

    So now I'm going to have a quick "get back on track" with the housework and exercise and household planning and then I have a cheap girls night to look forward to later at a friends house yippee!
    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
    • beanielou
    • By beanielou 17th Feb 18, 12:55 PM
    • 55,063 Posts
    • 219,995 Thanks
    beanielou
    Involving the union sounds good.
    Take care of you.
    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.
    • museumworker
    • By museumworker 17th Feb 18, 2:08 PM
    • 2,084 Posts
    • 12,045 Thanks
    museumworker
    Look after yourself, it sounds like you have a lot on.
    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
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