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  • FIRST POST
    • earthgirl
    • By earthgirl 13th Jan 18, 7:55 AM
    • 2,217Posts
    • 24,340Thanks
    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) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again
    Kids savings 13,578/36k
    2k Monthly buffer 2k/2k 5k Travel savings £3203/5k
Page 18
    • beanielou
    • By beanielou 30th Jun 18, 10:44 AM
    • 58,114 Posts
    • 239,577 Thanks
    beanielou
    Happy holidays even though they are busy ones
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • apple muncher
    • By apple muncher 30th Jun 18, 10:52 AM
    • 7,936 Posts
    • 60,168 Thanks
    apple muncher
    What a lovely feeling - breaking up for the summer! Although your summers are usually rather busy!!!
    NST November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (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 1st Jul 18, 2:39 PM
    • 2,217 Posts
    • 24,340 Thanks
    earthgirl
    Just a quick banking update as I'm waiting for the students to arrive any minute!

    I now have most of the mortgage offset in savings/ investments. If I had to hand over everything I'd owe £545!!

    Have 13 items on ebay, and have one weeks pay due to me from student teaching on Friday. I also have the lodger paying on Monday (£400) so I will hopefully be mortage neutral by Saturday BUT this does not allow for everyday payments and bills coming out in July. However I get paid two more weeks of student teaching by then, so I will officially be mortgage neutral on 15th of July with one months expenses. Funnily enough this is the exact date of my 38th Birthday!

    So close!!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again
    Kids savings 13,578/36k
    2k Monthly buffer 2k/2k 5k Travel savings £3203/5k
    • Karmacat
    • By Karmacat 1st Jul 18, 2:45 PM
    • 30,067 Posts
    • 174,396 Thanks
    Karmacat
    So, mortgage neutrality this month, whichever way its calculated



    Have some cake
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Needhelpsaving
    • By Needhelpsaving 1st Jul 18, 2:52 PM
    • 757 Posts
    • 3,163 Thanks
    Needhelpsaving
    Cheers to being almost mortgage neutral!

    A huge achievement that is well deserved.
    Target 1b (revised) - Emergency Fund Currently £10,000/£10,000

    Target 2b (revised) - Pay Mortgage Down to £55,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £58,667.91 (06/10)
    • Downshifterella
    • By Downshifterella 1st Jul 18, 2:58 PM
    • 137 Posts
    • 896 Thanks
    Downshifterella
    Amazing earth girl!! What an achievement! Enjoy some well deserved Celebrations !!!
    MF planning for the simple life
    • julicorn
    • By julicorn 1st Jul 18, 3:08 PM
    • 389 Posts
    • 1,430 Thanks
    julicorn
    Congratulations, that is an amazing achievement!
    • apple muncher
    • By apple muncher 1st Jul 18, 4:30 PM
    • 7,936 Posts
    • 60,168 Thanks
    apple muncher
    YAY!!!!!
    NST November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • TallGirl
    • By TallGirl 1st Jul 18, 5:07 PM
    • 4,318 Posts
    • 8,941 Thanks
    TallGirl
    Great news well done you you do work so so hard well deserved
    • beanielou
    • By beanielou 1st Jul 18, 9:40 PM
    • 58,114 Posts
    • 239,577 Thanks
    beanielou
    Be proud
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • greent
    • By greent 1st Jul 18, 10:35 PM
    • 7,531 Posts
    • 76,507 Thanks
    greent
    Whoop! That is fantastic! 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) £7127.06/£7500
    Net sales 2018 £724.53/£1000 PAYDOX18 (#15) Done £18918.90
    • themadvix
    • By themadvix 2nd Jul 18, 10:12 AM
    • 1,995 Posts
    • 11,483 Thanks
    themadvix
    Congratulations, that's such an impressive achievement! And in time for your birthday too!
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • WannabeFree
    • By WannabeFree 2nd Jul 18, 10:48 AM
    • 1,815 Posts
    • 16,669 Thanks
    WannabeFree
    Amazing EG

    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 2nd Jul 18, 7:50 PM
    • 2,217 Posts
    • 24,340 Thanks
    earthgirl
    Thank you!

    I've not done it yet though, 13 days to go.

    Current students eat a lot, the most ever. I'm cooking vast amounts of food but my meal plan can cope. £80 spent on food this week (double my normal amount).
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again
    Kids savings 13,578/36k
    2k Monthly buffer 2k/2k 5k Travel savings £3203/5k
    • Courgette
    • By Courgette 2nd Jul 18, 10:29 PM
    • 1,754 Posts
    • 18,569 Thanks
    Courgette
    Oh wow, earthgirl! That's amazing! What an amazing achievement!

    Just wondered, didn't you pay your last mortgage off on your 30th birthday? You obviously like to treat yourself

    I wish so much your diaries hadn't been deleted!!
    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 5th Jul 18, 6:40 PM
    • 2,217 Posts
    • 24,340 Thanks
    earthgirl
    Think I paid the last one off on my brothers birthday but don't remember which year, and also annoyed that my diary was deleted so that's briny know!

    Anyway, a challenging few days. Our friend who was very sick has passed away. Just awful. So I've not been sleeping well, kids have been staying up late (summer hols here) so getting up late and mornings have been a rush. I've not been sticking to my routine or diet (although I e not gone mad) and I've had a glass of wine or two each night to take the edge off, and painkillers to numb me to sleep. Which haven't really worked.

    I'm just so angry. Why take him?

    A girl has been murdered on a little island that I look at from my kitchen. What is happening? Why?

    And then I think of all the atrocities in the world and feel ashamed that I only get angry when death touches me.

    Must get my head together.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again
    Kids savings 13,578/36k
    2k Monthly buffer 2k/2k 5k Travel savings £3203/5k
    • apple muncher
    • By apple muncher 5th Jul 18, 7:35 PM
    • 7,936 Posts
    • 60,168 Thanks
    apple muncher
    Absolutely nothing to feel ashamed about earthie. Hugs xx
    NST November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (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 6th Jul 18, 7:40 AM
    • 2,217 Posts
    • 24,340 Thanks
    earthgirl
    Thanks for my hug, appreciated Apple!

    I've got my head together lastnight/today. Sometimes you need to say this is it, I have to improve things now.

    Today I have cleaned out the hens and treated them, used an exfoliating mask and I'm feeling a bit more together.
    Edit: used the exfoliating mask on myself not the hens!

    I'm going to:
    Clean bathrooms
    Sort washing
    Dust
    Hoover and mop
    Teach for 3hours
    Get oh to make lunch
    Take kids to a community event- they didn't want to go, ds2 had sore ear do doctors and pharmacy run completed instead.
    Do weekly shop, include healthy food, and alternatives to wine. Done took hours!
    Cook tea done!
    Exercise walk to the pharmacy and back will have to do
    Work on ohs business
    Call Mum done
    Sort out childcare for oh away for funeral (I can't go, feel ok about this)some ideas
    Early night with relaxing music etc

    My not to do list is more important though!
    No pain killers (take it easy on my back today) back sore
    No wine has a glass
    Last edited by earthgirl; 06-07-2018 at 7:32 PM.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again
    Kids savings 13,578/36k
    2k Monthly buffer 2k/2k 5k Travel savings £3203/5k
    • edinburgher
    • By edinburgher 6th Jul 18, 8:00 AM
    • 11,280 Posts
    • 60,508 Thanks
    edinburgher
    It is hard not to be angry about the murder you refer to EG. She was a sweet, defenceless child and the island you refer to was a popular holiday spot where many Scots will have spent at least one summer holiday. I just pray that the family finds some comfort with time and only wish that the whole thing hadn't played out on social media
    • earthgirl
    • By earthgirl 6th Jul 18, 12:41 PM
    • 2,217 Posts
    • 24,340 Thanks
    earthgirl
    Hi Ed!

    Yes totally shocking. I have hugged my little ones very tight now for a few days.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again
    Kids savings 13,578/36k
    2k Monthly buffer 2k/2k 5k Travel savings £3203/5k
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