Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • earthgirl
    • By earthgirl 13th Jan 18, 7:55 AM
    • 1,959Posts
    • 21,983Thanks
    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 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
Page 11
    • michelle09
    • By michelle09 31st Mar 18, 6:09 PM
    • 774 Posts
    • 4,228 Thanks
    michelle09
    Sounds like life is well lived. For Easter Monday, the theme park sounds fun, but if you guys are off to Center Parcs for the second week of the hols it's not like the kids are missing out?

    Happy Easter!
    • Needhelpsaving
    • By Needhelpsaving 2nd Apr 18, 6:29 AM
    • 687 Posts
    • 2,816 Thanks
    Needhelpsaving
    Just dropping in to congratulate you on your MFW
    Progress! !!!55358;!!!56599;
    Target 1 - Emergency Fund Currently £7839.91/£10,000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £68,498.25 (09/04)
    • earthgirl
    • By earthgirl 2nd Apr 18, 6:47 PM
    • 1,959 Posts
    • 21,983 Thanks
    earthgirl
    Yes we decided to give the theme park a miss. The weather was awful so we went to a great softplay near the swimming lessons and then used the burger chain receipt trick to get lunch there for just over£10. £20 spent in total but it was a lovely family day out. We don't do burger chains normally but the kids really wanted to go. The rest of Easter is nsds.

    Swimming lessons went well fingers crossed it makes a difference. I have a curry in the slow cooker and a lovely relaxing evening ahead.

    Saturday was not so relaxing. It turned out really cold so my planned visit to a park didn't go ahead. There was a pop up cinema in the village but would have cost £7.50 for a film we could watch st home for free. I decided I could entertain the krest da instead. It worked till about 3pm, we'd had a play date, done crafts and gone for a bike ride and the kids had played themselves, but at about 3 I hit a tiredness wall (up at 6.30 for work at 7) and they hit each other

    I'm pleased I handled it well in terms of preventing it happening again, but really feel I need to have a plan b for home days. I could also separate them before they start to hate each other and have some quiet time in rooms.
    And maybe tape educational things for tv (don't like them to have more than an hour a day but maybe could put some nature program on and link it to an activity/game) maybe the teacher in me is over thinking it!

    Tomorrow it's back to working hard and bringing in the cash!
    Last edited by earthgirl; 02-04-2018 at 7:04 PM.
    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
    • earthgirl
    • By earthgirl 4th Apr 18, 9:33 PM
    • 1,959 Posts
    • 21,983 Thanks
    earthgirl
    A great couple of days -NSds too. Don't know how much other parents are paying to amuse their children this holiday. The weather is totally awful snow sleet and freezing cold!

    Intensive Swimming lessons for both boys going well. Lunch club going well and I'm getting paid 2.5 hours per day at £20/hour gross which is more than I thought. It was slightly stressful today and I got a whack to the face with a football which I should have documented. Didn't but never mind. It's sore now, the child that kicked it was so kind a complete accident.

    I'm doing a couple of errands with the kids in tow everyday and today was banking and getting birthday cards from the c factory. Then I'm doing a free activity with them or a play date or something.

    Lodger has paid and that with my tutoring total meant I could pay in £951. This brings my total saved/overpaid to £4213. Exactly where I wanted to be at the end of March!!

    To keep it going in the right direction I need to carry on earning more and spending less.

    Feel bad as I've booked a hair Appointment tomorrow. It's at the cheap salon so will cost under £15 and I haven't had one for about 6 months maybe more. Oh is paying as he won a golf competition and gained £50.
    Last edited by earthgirl; 04-04-2018 at 9:37 PM.
    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
    • earthgirl
    • By earthgirl 5th Apr 18, 5:06 PM
    • 1,959 Posts
    • 21,983 Thanks
    earthgirl
    Kids did great at swimming lessons- intensive course is brilliant they seem to take giant leaps forward every day.

    Lunch club stressful and rather than let it beat me (I was thinking why am I doing this?) I'll change a few things tomorrow to make it easier. One member of staff Is not very good, and I could have gone better to be honest, so lesson learned and line drawn!

    Health
    Going to try and get rid of some Easter eggs by making crispie cakes to take to centre p. Next week. It's too easy to eat chocolate with so much of it about!

    Enjoying getting my exercise from digging over the veg patch and had a nice walk last night.

    Wealth
    Worked at lunch club, have one more day of it tomorrow, plus a tutoring tomorrow afternoon (kids visiting a relative).
    Need to do a grocery shop for the rest of this week and next for us at c.p and oh at home. Only £15 spent this week as I've had time to cook without running to loads of clubs etc.
    Decided not to book ds2 into golf lessons, and getting oh to take him instead.
    Kids collecting stars for doing extra learning and trying really hard at swimming lessons, their treat (worth £3) if they get 10 has been bought for free with Vouchers. Bribery but it's working
    Haircut was lovely and cost £18 prices have gone up! Oh paid out of winnings. Not sure I can use a college because of the term time working, but I'll look into it for later in the year.
    Veg patch cleared, dung applied and dug over ready for planting. Nothing much growing in the garden really, just daffodils.

    Life well lived
    Lovely to have a haircut and enjoyed working in the garden in the sunshine.
    Last edited by earthgirl; 05-04-2018 at 5:09 PM.
    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
    • earthgirl
    • By earthgirl 5th Apr 18, 5:16 PM
    • 1,959 Posts
    • 21,983 Thanks
    earthgirl
    Cut and blow dry at the college training salon costs £5-8 and they do a Thursday night so that's great. Hopefully this cut is good enough that it'll last me till October (with periodic trims by my Mum).
    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
    • Karmacat
    • By Karmacat 5th Apr 18, 5:27 PM
    • 28,975 Posts
    • 164,850 Thanks
    Karmacat
    Good for you for researching the college haircuts - I mean to do that all the time, and I just don't get round to it (I hack at my own hair every now and then, I confess, though I'll get a proper haircut before the cruise).

    I bet preparing the veg patch felt really good, its so lovely out there today
    Retired August 2016
    • themadvix
    • By themadvix 6th Apr 18, 9:21 AM
    • 1,548 Posts
    • 9,148 Thanks
    themadvix
    Hair cut sounds well deserved - it's a lovely treat when you get it done so infrequently! I really need to pin my SIL down about doing mine. Great prices at the college - suspect it's more or less the same round here as it would be to get my SIL to do it though. I've looked at the beauty treatment prices at our college and they aren't any cheaper than the lady I go to.

    Gardening sounds lovely - spring has been a long time coming!
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • earthgirl
    • By earthgirl 7th Apr 18, 10:34 AM
    • 1,959 Posts
    • 21,983 Thanks
    earthgirl
    Yes haircut was nice, but still a bit annoyed that I didn't check the price beforehand as it would have prompted me to check the college before and maybe save about £10, but I know for again.

    Health

    Had a good sleep last night, going to keep and eye on my eating today, and do some exercise.

    Wealth
    Lunch club was better with my new ideas, so I'll do it again in the summer hols, it's a great money earner and I also came home with bags of waste food for the hens.

    I'm going to keep the Saturday and Sunday early morning teaching going as my tutoring is stopping soon as exams are over. Will try and get this to pick up.

    Also could do Airbnb on another room possibly, especially at the weekends when the lodger is away.

    Have a quiet weekend planned so will catch up.

    Life well lived
    Ds2 had a meltdown at football training yesterday but we managed. He has a big fear of failure and it's hard work. Got there in the end though.

    Went out to a friends house last night spent £6 on wine and snacks so a cheap night out!

    To do:

    Cheap weekend - free activities with kids
    Cleaning
    Food prep for oh and us when away next week
    Work on ohs business
    Ebay
    Have a think about other money saving/making activities
    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
    • michelle09
    • By michelle09 8th Apr 18, 6:36 PM
    • 774 Posts
    • 4,228 Thanks
    michelle09
    Have fun at Center Parcs! We used to go every year as kids and had a great time (well, apart from the year my appendix burst, but they were really helpful).

    Is your place a good area for airbnb? Even with the extra cleaning it looks a lot less invasive than having a lodger.
    • WannabeFree
    • By WannabeFree 8th Apr 18, 10:05 PM
    • 1,392 Posts
    • 11,671 Thanks
    WannabeFree
    Have a lovely time away EG

    I think sometimes you're far too harsh on yourself. You do amazing!

    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 14th Apr 18, 11:50 AM
    • 1,959 Posts
    • 21,983 Thanks
    earthgirl
    Thanks wannabe had a great holiday

    Unfortunately some issues with my brother and Mum, and to an extent me, not getting on the whole time. My brother has a lot going on but it didn't really excuse the way he spoke to us. Never mind, I didn't let it spoil the holiday it was great fun!

    We really maximised the free things to do At CP, and spent hours swimming and in the parks and cycling. We cooked every night and made packed lunches for the days and took all our snacks. Planning possibly to go back with OH if we can get a late deal when we have a "local" long weekend off in November. The late deals can be quite cheap. The only thing I don't like is how expensive everything else is there but we didn't need to buy anything.

    Grandparents gave the boys money for their holiday, and we had a rebooking voucher, so the boys bought themselves something. I had to add about £6 in.

    More money stuff later off to amuse the children!
    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
    • themadvix
    • By themadvix 14th Apr 18, 12:25 PM
    • 1,548 Posts
    • 9,148 Thanks
    themadvix
    Pity it wasn't all plain sailing with family, but sounds like you had a lovely time nonetheless. I think holidaying with others, however well you know them, can be tricky as adults as everyone has their own expectations. It sounds like you really got your money's worth from the free stuff though!
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • earthgirl
    • By earthgirl 14th Apr 18, 7:32 PM
    • 1,959 Posts
    • 21,983 Thanks
    earthgirl
    Thanks themsdvix. Yes a shame we couldn't get along perfectly. My halo is still shiny as I didn't lose my temper and was kind and pleasant the whole time. I tried to have a firm but sensitive chat to my brother. I came out with all of my pearls of wisdom from work though.! He didn't take offence thankfully!

    I woke up this morning aching from the kneck down. I didn't feel like my early morning shift on job number 2 but did ok I think, getting good feedback and my schedule was full so I get full pay.

    I don't know if I have a virus or I overdid it at the pool, plus unpacking etc. I had a nsd and entertained the kids for free at the park and a party. Also managed a few hours helping parents in law in garden. Probably shouldn't have done that as I feel so achey now!

    Off to rest and hopefully come back with some financial musings /plans.
    Last edited by earthgirl; 14-04-2018 at 7:39 PM.
    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
    • themadvix
    • By themadvix 14th Apr 18, 8:40 PM
    • 1,548 Posts
    • 9,148 Thanks
    themadvix
    Oh no hope you're feeling better soon - take it *easy*!!

    Glad your brother didn't take offence at the pearls of wisdom!
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • beanielou
    • By beanielou 14th Apr 18, 8:52 PM
    • 52,709 Posts
    • 207,047 Thanks
    beanielou
    Glad all went mostly well.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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.
    • WannabeFree
    • By WannabeFree 14th Apr 18, 9:42 PM
    • 1,392 Posts
    • 11,671 Thanks
    WannabeFree
    Glad it went well other than the hiccup, hope you get a good nights sleep and feel better

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • apple muncher
    • By apple muncher 15th Apr 18, 8:37 AM
    • 7,172 Posts
    • 53,953 Thanks
    apple muncher
    Families, eh? Hope you feel better quickly.
    NST April #17; NSD 14/15 ; Ex 16/20 ; craft 16/30 (48); remove 385
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 15th Apr 18, 10:00 AM
    • 1,959 Posts
    • 21,983 Thanks
    earthgirl
    Thanks so much for the well wishes! Means a lot and cheered me up!

    Feeling so much better today. Didn't get a great sleep but at least my aches are fading fast.

    When I came home from holiday I felt odd, like I didn't want to get back into my money saving ways and I had no inclination to do job number two. Unlike me as I normally come back feeling like I want to work hard so I can go on holiday again!

    Anyway feeling physically and mentally much better now and ready to get back to business.

    Health

    Need to get back to healthy eating and exercising
    Up intake of water
    Get kids back on track too


    Wealth
    Very cheap week. Oh won some cash at golf so he has treated us to a few things so nothing spent this weekend from any budget so far.
    Was sent a £10 b0den voucher and spent it on free kids socks
    Energy reading meant that our dd has gone down to £12 for 3 months
    Need to use up what we have in stores to keep grocery budget down.
    Ordered V wine box in mse email - only money saving if we don't drink it quickly!

    Need to do quite a lot of work on ohs business (had a week off)

    Life well lived
    I've got places on quite a few free tennis classes in the area in May for the kids
    I've planned out dry and wet activities for saturdays and Sundays that are free and hopefully good fun, keep the kids amused and me relaxed! Also taped some nature documentaries for them to watch when we come home. They seem to enjoy these.

    Want to get back to money saving and making to be spent on getting rid of final bit of mortgage debt and having great times with family.

    To do:
    Cook healthy food for the week and meal plan (broccoli soup for my lunches, hummus, crispie cakes for kids snacks)
    No more midweek wine, up water intake.
    Exercise
    Cancel V wine subscription
    Get cheap car insurance and check not on auto renew
    Work on ohs business
    Save money by planting more veg in garden
    Keep on top of cleaning so it doesn't stop me from doing the above.
    Fit in a session of helping parents in law with garden.
    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
    • themadvix
    • By themadvix 16th Apr 18, 9:40 AM
    • 1,548 Posts
    • 9,148 Thanks
    themadvix
    That list is of a similar length to mine - I think the jobs creep up on me!

    Maybe the not feeling like getting back into it was a symptom of the 'bug' you had and your body trying to tell you to take it easy. I often find I feel like I can't settle to anything when I'm coming down with something. Hopefully the sleep has kicked it to the kerb and you'll be fine now
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

914Posts Today

7,534Users online

Martin's Twitter