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  • FIRST POST
    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 11:39 AM
    • 3,601Posts
    • 30,207Thanks
    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 158
    • Watty1
    • By Watty1 28th Sep 17, 6:18 PM
    • 2,992 Posts
    • 21,303 Thanks
    Watty1
    You are so right. With retirement I would worry more that the human would decide to stop paying as the neddy isn't worth anything.
    Originally posted by smallholdingsister
    yes that might be a concern. Good contract? And a hard heart?
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • smallholdingsister
    • By smallholdingsister 28th Sep 17, 7:09 PM
    • 3,601 Posts
    • 30,207 Thanks
    smallholdingsister
    Both needed I think. I only have the contract - lack the hard heart as you do.

    Got a model contract off BHS website. Praise God! The girl I tutored last year for GCSE wants to come back for A level. AND the plumber starts Monday to put the bathroom in for our airbnb.

    I will have diversified with VERY little effort.

    Wish us luck with the bathroom project, it involves digging the garden up.
    • FloppyDisk
    • By FloppyDisk 29th Sep 17, 10:45 AM
    • 636 Posts
    • 4,248 Thanks
    FloppyDisk
    Gosh you'll be totally self sufficient soon. I was going to say £15 for grass keep as I have always paid £25 for a stable. Obviously the more the merrier. Does Origin not have a minimum speed in their contract? I have been able to get out or both my broadband and mobile contracts as they can't offer any service in our new house. Great for the pocket but hmmm still no service.

    Mortgage Apr 18 £417,894
    Mortgage now --- £414,381
    BTL Mar 18 £162,857
    BTL now --- £162,753
    • smallholdingsister
    • By smallholdingsister 29th Sep 17, 5:44 PM
    • 3,601 Posts
    • 30,207 Thanks
    smallholdingsister
    The problem is they offer a waaay higher upload than download speed. Download speed seems to be the problem.

    Thanks for that floppy. It turns out she wasn't keen on a contract (why, if she had good intentions?) and wanted to pay less than half the £15 per week that seems to be the going rate.
    • katep23
    • By katep23 29th Sep 17, 6:14 PM
    • 1,342 Posts
    • 9,508 Thanks
    katep23
    Got a model contract off BHS website.
    Originally posted by smallholdingsister
    Guessing this is something like British Horse Society rather than British Home Stores as was my first thought

    • smallholdingsister
    • By smallholdingsister 29th Sep 17, 6:43 PM
    • 3,601 Posts
    • 30,207 Thanks
    smallholdingsister
    It is known!
    • FloppyDisk
    • By FloppyDisk 30th Sep 17, 7:34 AM
    • 636 Posts
    • 4,248 Thanks
    FloppyDisk
    Oh that is frustrating, I hope they make some efforts to solve it as they are a fairly new company aren't they?

    Strange about the livery, but not worth the hassle for the price she wanted to pay. I have only had to sign contracts when I was paying for part livery, FIT has always been more relaxed but I wouldn't mind either way, it protects owners more than me.

    Mortgage Apr 18 £417,894
    Mortgage now --- £414,381
    BTL Mar 18 £162,857
    BTL now --- £162,753
    • smallholdingsister
    • By smallholdingsister 30th Sep 17, 11:53 AM
    • 3,601 Posts
    • 30,207 Thanks
    smallholdingsister
    It does protect owners more but it also protects the client. I agree its not worth the hassle.
    • apple muncher
    • By apple muncher 30th Sep 17, 2:55 PM
    • 7,467 Posts
    • 56,252 Thanks
    apple muncher
    How are the piglets getting on?
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 1st Oct 17, 7:16 AM
    • 3,601 Posts
    • 30,207 Thanks
    smallholdingsister
    Adorable. Popcorned all over the place (sudden pinging up in the air just like corn popping) when they got clean blankets yesterday and the smallest pig put on nearly 50g last week.

    I foraged some blackberries and rosehips for them which met with approval. (No greater love than scraping the hairy middles out of each rosehip for them.)
    • smallholdingsister
    • By smallholdingsister 1st Oct 17, 5:33 PM
    • 3,601 Posts
    • 30,207 Thanks
    smallholdingsister
    Oof! Friend visiting and bedtime 1am. I am too old!
    • smallholdingsister
    • By smallholdingsister 3rd Oct 17, 10:40 AM
    • 3,601 Posts
    • 30,207 Thanks
    smallholdingsister
    Recovering from the lurgy. Yuck.

    Work has started on adding a bathroom to our annexe/usedtobegarage.
    • apple muncher
    • By apple muncher 3rd Oct 17, 4:10 PM
    • 7,467 Posts
    • 56,252 Thanks
    apple muncher
    Was the lurgy brought by your friend?

    Get well soon.
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 3rd Oct 17, 5:50 PM
    • 3,601 Posts
    • 30,207 Thanks
    smallholdingsister
    I hope not! Thanks. Back to work tomorrow.
    • smallholdingsister
    • By smallholdingsister 3rd Oct 17, 8:23 PM
    • 3,601 Posts
    • 30,207 Thanks
    smallholdingsister
    £25 earned tutoring. In the interests of JFDI it has gone off the mortgage.
    • greent
    • By greent 3rd Oct 17, 9:06 PM
    • 7,144 Posts
    • 72,717 Thanks
    greent
    Whoop! All overpayments are 'a good thing'
    x
    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) £2772.47/£4000
    Net sales 2018 £542.92/£1000 PAYDOX18 (#15) Done £18918.90
    • apple muncher
    • By apple muncher 4th Oct 17, 9:14 PM
    • 7,467 Posts
    • 56,252 Thanks
    apple muncher
    How did work go?
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 5th Oct 17, 5:20 AM
    • 3,601 Posts
    • 30,207 Thanks
    smallholdingsister
    Oh fine thanks. Felt really dodgy last night like I'd gone back too soon.
    • greent
    • By greent 5th Oct 17, 8:26 AM
    • 7,144 Posts
    • 72,717 Thanks
    greent
    Oooooof!! That was an early start today, shs
    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) £2772.47/£4000
    Net sales 2018 £542.92/£1000 PAYDOX18 (#15) Done £18918.90
    • Karmacat
    • By Karmacat 5th Oct 17, 9:46 AM
    • 29,433 Posts
    • 168,910 Thanks
    Karmacat
    JFDI is good, but going back to work too soon isn't, take care of you.
    Retired August 2016
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