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  • FIRST POST
    • earthgirl
    • By earthgirl 13th Jan 18, 7:55 AM
    • 2,032Posts
    • 22,631Thanks
    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 12
    • earthgirl
    • By earthgirl 17th Apr 18, 10:29 AM
    • 2,032 Posts
    • 22,631 Thanks
    earthgirl
    Thanks themadvix! Felling much better now.

    I am trying to make myself more productive. Last night I didn't really sleep again due to having the lodger here, sleeping on the floor of one childs bedroom and having an alarm in the other. Its just too much for me and I tend to just stay up most of the night if there are lots of sounds - like the wind last night. I have decided to buy a motion sensor alarm (2 pack) for the kids rooms. This will be placed just by their doors, with the reciever next to my bed. £18 spent, but I am hoping it will give me complete peace of mind. When we have no lodger they can be used as burgalar alarms for the shed or anywhere in the house.

    I don't like spending money but the kids safety is paramount and I need to rest. Soon the kids will be too old for their mum to be sleeping on the floor as well.

    I have meal planned, batch cooked healthy meals and things are generally going well. I am so close to a £20 pay out and £50 payout for surveys so that will more than cover my £18 spend on motion sensors.

    The energy direct debit reduction from £77 to £12 for 3 months will also give us some wiggle room in our budget.

    Car insurance not purchased yet as OH wants to look at some multi car deals with his work.
    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
    • lixi
    • By lixi 17th Apr 18, 11:02 AM
    • 99 Posts
    • 54 Thanks
    lixi
    Gosh Earthy. I don't think I could cope with lodgers on a long term basis and would definitely worry and have motion sensors everywhere. We have a couple of spare rooms and I have thought about doing airbnb and such like but OH put his foot down and said no as he likes the idea of strangers in the house a lot less than I do. I let him get away with that one!
    • beanielou
    • By beanielou 17th Apr 18, 11:15 AM
    • 54,957 Posts
    • 219,380 Thanks
    beanielou
    Blimey. I have never had lodgers that I felt I needed to do that.
    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 17th Apr 18, 1:05 PM
    • 2,032 Posts
    • 22,631 Thanks
    earthgirl
    I am not worried about possessions at all, or where the lodger will go, its just purely that I don't want him entering the kids bedrooms. It's just something that I'm not prepared to risk. I know £18 is a lot of money but this is totally perfect. Err well its arriving tomorrow and I hope its perfect!

    I've just done loads of work on OHs business this morning and in my lunch hour. And I've done a good work out so I'm back on track I hope!
    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
    • greent
    • By greent 17th Apr 18, 7:48 PM
    • 7,077 Posts
    • 72,094 Thanks
    greent
    I am not worried about possessions at all, or where the lodger will go, its just purely that I don't want him entering the kids bedrooms. It's just something that I'm not prepared to risk. I know £18 is a lot of money but this is totally perfect. Err well its arriving tomorrow and I hope its perfect!

    I've just done loads of work on OHs business this morning and in my lunch hour. And I've done a good work out so I'm back on track I hope!
    Originally posted by earthgirl
    Nope - it's really, really not - honestly! Please cut yourself some slack, earthie x (And even if it was really a lot of money, some things are priceless.... 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) £1068.37/£4000
    Net sales 2018 £522.39/£1000 PAYDOX18 (#15) £18564.38/£18918.90
    • apple muncher
    • By apple muncher 17th Apr 18, 8:14 PM
    • 7,369 Posts
    • 55,495 Thanks
    apple muncher
    If £18 means that you are able to get some decent sleep,which means that you can function well - nay - efficiently, and enjoy life, then it is definitely £18 well spent!
    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 17th Apr 18, 10:12 PM
    • 1,723 Posts
    • 18,236 Thanks
    Courgette
    I think £18 is a totally reasonable amount to spend on peace of mind, not a lot of money at all. Gad you enjoyed your hols
    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 20th Apr 18, 5:22 PM
    • 2,032 Posts
    • 22,631 Thanks
    earthgirl
    Thanks lovely people!

    Had a truly awful week. Major horrendous event with one of my cases at work. She is alive and in much less important news all of my work is exemplary as it will be examined, but still very upsetting and stressful. OH has more major problems with his business and is looking at best at 6 months of no income, at worst no income ever. Our financial plans and to some extent my hopes and dreams are totally derailed. Focus is on survival.

    Realised that we are probably going to have to move due to changing catchment areas.

    Ds2 has been ill and up in the night too, so I have been up all night and working all day in a really stressful environment.

    My response has been frankly rubbish. I have ditched the diet and exercise, comfort eaten a load of chocolate! I seem to have no get up and go to do the things that might help because it all seems a bit futile. I have been wasting time being in a mood instead. I've even been taunting myself by looking at the travel plans I was making.

    OH is living on a different planet! He is getting quotes for ridiculous luxury items that we don't need (all weather football pitch in the back garden for example!) where as I'm looking for jobs for him, or more jobs for me, to do.

    Total nightmare! BUT all first world, totally solvable and, really everyone is alive and relatively well. Everything else is just a bonus.
    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 20th Apr 18, 5:56 PM
    • 2,032 Posts
    • 22,631 Thanks
    earthgirl
    So now I've got all that out of my system, I'm looking for the positives and the opportunities.

    Opportunities
    Make sure all my work is up to scrutiny
    Work on relationship with OH. I've already talked to him about jobs and doing DIY whilst he isn't working. Need him to understand that I don't want to buy luxury things as it would stress me out.
    Look into buying another property in the catchment area and renting this one out - that kind of thing.
    Look into joining clubc etc more in that catchment area to make it easier with friendships
    Focus on travel within the UK for a year at least - and within Scotland as a big focus - as there is so much to see and the kids are too young for far flung travel anyway. I can still research if I want and pop interesting finds and ideas in My travel folder.

    Back to basics
    Feel like I need to get back to basics with life!

    Touch the sand everyday
    Eat high protein low carb
    Catch up with housework
    Work on ohs business (in case it comes back to life in six months)
    Work in the garden
    Do cheap and free things with the kids
    Talk to oh, don't be islands (or on different planets!)
    Be grateful for life and all that's in it...
    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
    • Needhelpsaving
    • By Needhelpsaving 20th Apr 18, 6:08 PM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Hi EG,

    I'm so sorry to hear that you've had a tough run of it, remember you are stronger than you think.

    The determination you have shown with your MF journey is proof of this.

    Sending dodgy hugs
    Target 1 - Emergency Fund Currently £8064.69/£10,000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £67,117.66 (04/06)
    • apple muncher
    • By apple muncher 20th Apr 18, 6:40 PM
    • 7,369 Posts
    • 55,495 Thanks
    apple muncher
    Ooph! All sounds rather overwhelming, compounded by a bad night's sleep.

    Get yourself rested, missus,and do NOT take on any more work. You are doing plenty and should not be filling in the shortfall from dh. He needs to pull his weight in both the mr/mrs relationship and the finances. Sorry to be talking out of turn - have some hugs and get some zzzzzzs.
    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
    • earthgirl
    • By earthgirl 20th Apr 18, 7:23 PM
    • 2,032 Posts
    • 22,631 Thanks
    earthgirl
    Thanks Nhs and Apple. Not out of turn at all, although you only have my side of things!

    Yes going to hand over to OH, have a nice shower and early night. Haven't slept properly since Sunday. Early morning sat and sun with job number 2, but now it's very much needed!
    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 20th Apr 18, 7:37 PM
    • 7,369 Posts
    • 55,495 Thanks
    apple muncher
    Thanks earthgirl - I know we only have your side. But we are on your side! Hope you sleep well x
    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
    • beanielou
    • By beanielou 20th Apr 18, 8:38 PM
    • 54,957 Posts
    • 219,380 Thanks
    beanielou
    Sorry that things are tough.
    Keep plodding.
    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.
    • Pooky
    • By Pooky 21st Apr 18, 7:16 AM
    • 6,867 Posts
    • 43,523 Thanks
    Pooky
    Is OHs business reliant on seasons or is it just a general decline in the sector he's working in? Can he just walk away now and get something else more steady?

    I think you're doing enough as it is (to much at times) and you need to not take anything else on to bridge gaps, you're in a good position financially for now.

    How long before your eldest will be moving schools and why move? Is the catchment school that bad? My eldests secondary school was in the top 10 of girls grammar schools across the U.K. the year she started, 3 years later, a change of head and lots of staff retired and it dropped so low on the leader board. They go up and down so quickly so don't rule the local one out just yet (if that's the problem).
    "Start every day off with a smile and get it over with" - W. C. Field.
    • earthgirl
    • By earthgirl 21st Apr 18, 11:58 AM
    • 2,032 Posts
    • 22,631 Thanks
    earthgirl
    It is a bit seasonal but this is a more fundamental issue with insurance. Yes he can walk away but doesn't want to. He is sometimes quite positive sometimes quite negative about the future of the business. We are going out to tea tonight with a voucher that he got for his birthday. Hoping to thrash things out there. BYOB which is great!

    Yes school catchment doesn't need considering for 3 years!

    What a difference a good sleep makes!! Honestly feel like a different person today! Leaving my negative post for posterity but now feeling so much more positive. Stress at work, kids illness and possible collapse of business isn't going to get me down, it isn't "futile" and maybe plans are not derailed, just taking a slight detour and might be delayed!
    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
    • Courgette
    • By Courgette 21st Apr 18, 12:56 PM
    • 1,723 Posts
    • 18,236 Thanks
    Courgette
    Sorry to hear things are tough, Earthgirl. Please listen to the others though, don't take on any more work - you're so busy at it is.

    If IF you needed to move for schools, could renting somewhere close to chosen school work then keep actually living in your home and commute? Or are the distances too great? Any religious schools nearby? They tend to be better too. I'm going to be finding God in a couple of years in order to get the kids into the good local-ish CofE school. Would this be an option for you too? As already pointed out, it's a way off yet anyway.

    Enjoy your meal tonight, hope you sort out a plan xx
    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%
    • beanielou
    • By beanielou 21st Apr 18, 8:23 PM
    • 54,957 Posts
    • 219,380 Thanks
    beanielou
    Enjoy your meal
    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.
    • WannabeFree
    • By WannabeFree 21st Apr 18, 9:31 PM
    • 1,597 Posts
    • 14,029 Thanks
    WannabeFree
    Sorry things are tough.

    I'm sure you'll figure it out. Have a lovely meal
    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 22nd Apr 18, 9:26 AM
    • 2,032 Posts
    • 22,631 Thanks
    earthgirl
    Thank you all for your lovely comments and encouragement. Got loads done yesterday. £3 spent on ds1 football class, took kids and a friend to the park, helped PIL with garden (I'm just doing a few hours a week as they help us with so much). Kids played in the garden and I got plants potted on and tidied away washing.

    Its going to be little and often to clear the housework back log but I'll get there! Makes me want to have a contingency plan for when everything does overwhelm me again.

    Thanks we had a lovely meal - it was really outstanding, and we had most of the meal with a voucher, free babysitting from OHs parents, and I drove so it was very cheap.

    OH feeling quite positive and he didn't want to talk about plan C which is him getting a job. I made him though and we came up with some ideas and also some things he wouldn't like to try.

    With schools I could do all of the above apart from the religious school - isnt a good one in my area. But my insticts are telling me that it wouldn't be a good thing, its quite a close knit comunity here and it would cause lots of problems. There are ways and means though, and I suppose a temporary move is an option. There are always options

    I might sign the kids up to beavers in the area I want, going on Wednesday, and I have their names down for a football team over there anyway. This wont affect the school application, its more the social aspect.
    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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