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  • FIRST POST
    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 11:39 AM
    • 3,591Posts
    • 30,127Thanks
    smallholdingsister
    smallholdingsister's strivings
    • #1
    • 10th Aug 15, 11:39 AM
    smallholdingsister's strivings 10th Aug 15 at 11:39 AM
    Righto, so as Ed says later (ooh I can time travel!) One can't rebrand oneself on MSE. However...
    I do feel - and partly because of the experiences of another MFW who was getting somewhat robust criticism for not being hard core enough - that, well, I'm not nearly hardcore enough.
    So here I am. 43. Mortgage due to expire when I'm 55.
    I am going to try for getting rid of it by 50. Including a move to a smallholding as that's what I am aiming for (no s h i t!).
    I am planning a LOT of storecupboard challenges and a LOT of fiscal fasts.
    Here goes!
    Last edited by smallholdingsister; 10-08-2015 at 6:00 PM.
Page 146
    • foxyloxy11
    • By foxyloxy11 15th Jul 17, 9:36 PM
    • 298 Posts
    • 1,585 Thanks
    foxyloxy11
    hooray!!!!!!so pleased for you all x
    £1000 Emergency fund challenge #225 - £1000.00.00/£1000 Baby Step 1-COMPLETE
    Debt free day October 2019 - End of Baby Step 2 (A work in progress)
    • apple muncher
    • By apple muncher 15th Jul 17, 9:48 PM
    • 7,280 Posts
    • 54,790 Thanks
    apple muncher
    Champagne in teacups kinda sets the tone for your new life! Enjoy every second x
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Calfuray
    • By Calfuray 15th Jul 17, 9:56 PM
    • 988 Posts
    • 5,919 Thanks
    Calfuray
    So after a comedy of errors (dog did a poo in the office on being delivered to kennels, DH's car broke down blocking access to removers, DS came down with a stomach bug) we were packed mostly by the movers on Wednesday and completed on Friday.

    Three chaps and one lorry came at 8 am, worked like dogs for four hourz while we cleaned around them. By 11 I had the call to say keys were available for the new place.

    We left at 12, removers to fetch the other lorry and us to get the keys. No hassle, arrived at the new place at ten past one, removers ten minutes behind us.

    They continued to work like dogs for another four hours while we unpacked what we could while trying to stay out of their way.

    My parents brought the kids home by then and we were drinking champagne out of teacups by 6pm.

    Today we fetched dog and pony home and got loads of unpacking done. Very grateful to be finally in after a two year journey.

    We had a stunning bouquet from our agent and some promotional mugs and pens from the seller's agent!

    Both houses were left in the same conditions - vacuumed with clean bathrooms and kitchens but not impeccable.

    I am never doing it again!!
    Originally posted by smallholdingsister
    I agree with Tilly, breathe! It's such a stressful process isn't it?

    Yay for champagne in teacups, love it. Congrats on moving
    • greent
    • By greent 15th Jul 17, 10:38 PM
    • 7,010 Posts
    • 71,571 Thanks
    greent
    It's here! :J - you've done it! - well done on achieving the drinking of champagne - much deserved

    The very best-est of good wishes, love and luck for you and your family in your new home, shs xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • smallholdingsister
    • By smallholdingsister 16th Jul 17, 7:29 AM
    • 3,591 Posts
    • 30,127 Thanks
    smallholdingsister
    Thanks everyone.

    Puppylove has settled now, and I went out in my nightie at 7am and woke the Plops up.
    • EatingTheElephant
    • By EatingTheElephant 16th Jul 17, 7:51 AM
    • 1,289 Posts
    • 7,060 Thanks
    EatingTheElephant
    Fantastic, what a huge relief to be in at last. Well done
    • XSpender
    • By XSpender 16th Jul 17, 7:57 AM
    • 2,965 Posts
    • 30,469 Thanks
    XSpender
    Congratulations on your new home
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£995
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 16th Jul 17, 8:43 AM
    • 7,639 Posts
    • 86,901 Thanks
    Tilly MFW in 6 YRS
    Thanks everyone.

    Puppylove has settled now, and I went out in my nightie at 7am and woke the Plops up.
    Originally posted by smallholdingsister
    What an absolute joy that must have been

    New job, new house - brilliant

    Tilly xx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • gallygirl
    • By gallygirl 16th Jul 17, 10:22 AM
    • 16,589 Posts
    • 109,546 Thanks
    gallygirl

    Puppylove has settled now, and I went out in my nightie at 7am and woke the Plops up.
    Originally posted by smallholdingsister
    How fabulous . Glad the move has gone well and now you have the holidays to organise, am sure it will be perfect by the end of August ().
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • themadvix
    • By themadvix 17th Jul 17, 7:04 AM
    • 1,654 Posts
    • 9,659 Thanks
    themadvix
    Congratulations at last! It sounds idyllic!
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • shangaijimmy
    • By shangaijimmy 17th Jul 17, 7:35 AM
    • 2,712 Posts
    • 13,361 Thanks
    shangaijimmy
    MFW: Turning June 2036 into March 2025... 38//120 Payments Challenge, Diary Reduction £40,984.38
    Aug 2009: £163,051 // Current: £95,015.63 // Avg Daily Interest £4.27
    MFiT-T4 #8 - 74.24% of £41,000
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 17th Jul 17, 8:11 AM
    • 1,983 Posts
    • 36,750 Thanks
    Secret Saving Squirrel
    Hello,

    I am so delighted to see that everything has come together for you. Enjoy every moment. Xx
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • earthgirl
    • By earthgirl 17th Jul 17, 7:26 PM
    • 1,992 Posts
    • 22,355 Thanks
    earthgirl
    Brilliant news Shs. Well done you deserve it!
    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 Mar 18 -£8524
    Kids savings 13,578/36k
    • smallholdingsister
    • By smallholdingsister 25th Jul 17, 11:46 AM
    • 3,591 Posts
    • 30,127 Thanks
    smallholdingsister
    We break up, we break down..."

    Doing vast Liddly and Sainsbugs shops as feeding all of senior camp later and then friends to stay tomorrow.
    • Karmacat
    • By Karmacat 25th Jul 17, 1:01 PM
    • 29,193 Posts
    • 166,698 Thanks
    Karmacat
    Just catching up! Congratulations! And you're hosting guests already? How's it all going?
    Retired August 2016
    • FloppyDisk
    • By FloppyDisk 26th Jul 17, 8:28 AM
    • 629 Posts
    • 4,223 Thanks
    FloppyDisk
    Is ponyplops going to get some company....?

    Mortgage- £417,249
    BTL- £162,915

    • AlexLK
    • By AlexLK 26th Jul 17, 1:23 PM
    • 6,066 Posts
    • 32,095 Thanks
    AlexLK
    Congratulations, Smallholding.

    2018 totals:
    Savings £7,600
    Mortgage Overpayments £1,750
    • Elephantchunks
    • By Elephantchunks 26th Jul 17, 11:31 PM
    • 137 Posts
    • 717 Thanks
    Elephantchunks
    Fantastic! Congratulations
    Live a lot. Love a few. Always paddle your own canoe.
    • smallholdingsister
    • By smallholdingsister 27th Jul 17, 6:17 AM
    • 3,591 Posts
    • 30,127 Thanks
    smallholdingsister
    Ponyplops is eventually going to get company, though she is in love with Misty and Ted next door.


    Broadband and a phone line coming today.

    Our guests are an old school friend and his wife. He is a deputy head in secondary and is sooo stressed he drank us ( inveterate boozers ) under the table last night and behaved like an !!!!. Fortunately we are old friends so I could tell him he was being an !!!! and send him to bed!


    Puppylove is horrified that they've brought their Labradoodle.
    • Karmacat
    • By Karmacat 27th Jul 17, 9:47 AM
    • 29,193 Posts
    • 166,698 Thanks
    Karmacat
    My brother has a labradoodle, its the most adorable dog I've ever met
    Retired August 2016
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