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  • FIRST POST
    • earthgirl
    • By earthgirl 13th Jan 18, 7:55 AM
    • 2,215Posts
    • 24,277Thanks
    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 19
    • beanielou
    • By beanielou 6th Jul 18, 5:23 PM
    • 57,991 Posts
    • 238,625 Thanks
    beanielou
    & not just murdered.
    I just cannot get my head around it.
    Kust vile.
    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
    • earthgirl
    • By earthgirl 6th Jul 18, 7:42 PM
    • 2,215 Posts
    • 24,277 Thanks
    earthgirl
    Totally shocking and painful for all to hear about.

    Got plenty done off my yo do list, with the added curveball of ds2 needing to see doctor and a pharmacy run for antibiotics in case an infection develops. Walked to the pharmacy got evercise.

    Made packed lunch for when taking the students out tomorrow. Have early morning teaching, followed by full day excursion and then prosecco and hot tub party with a few friends. Ds1 has a pal staying over.

    To do tomorrow
    Hoover and dust, might squeeze this in later
    Check energy deal
    Package up Ebay sales (I hope)

    Sunday
    More Ebay sales
    More teaching
    Slow cooker tea
    Take kids to pool
    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
    • julicorn
    • By julicorn 6th Jul 18, 9:09 PM
    • 388 Posts
    • 1,425 Thanks
    julicorn
    I'm so sorry for your loss earthgirl! Hope you're ok x
    • edinburgher
    • By edinburgher 6th Jul 18, 11:11 PM
    • 11,261 Posts
    • 60,427 Thanks
    edinburgher
    & not just murdered.
    I just cannot get my head around it.
    Kust vile.
    Originally posted by beanielou
    Yeah. I didn't think that story could get worse
    • smallholdingsister
    • By smallholdingsister 7th Jul 18, 6:29 AM
    • 3,601 Posts
    • 30,239 Thanks
    smallholdingsister
    Hi Earthie

    How are lodgers working out? Better than airbnb?

    xxx
    • earthgirl
    • By earthgirl 7th Jul 18, 8:03 AM
    • 2,215 Posts
    • 24,277 Thanks
    earthgirl
    Thanks for all the well wishes.

    Lodger so good. Hardly see him!

    I'm on a two minute break from teaching so Just updating my to do list.
    Knowing it was on here yesterday helped!

    I only needed one painkiller. Hopefully back will stay ok today and then I will need 1 or less tonight and nothing on Sunday, we will see.
    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
    • earthgirl
    • By earthgirl 7th Jul 18, 4:38 PM
    • 2,215 Posts
    • 24,277 Thanks
    earthgirl
    Getting a bit frustrated with the students. They are the laziest in terms of helping out, they are on their phones all the time and have smashed the fence behind the goals in three places (hitting the ball so hard). They have smashed off the ball on the end of the swing ball. They kick the football over the fence nd just leave them for others to get. They are both strapping six foot men really. I have to feed them so much food. Today I bought ice creams and they both asked for the biggest double ice cream available and didn't offer to contribute.

    They come across as rude and arrogant. I've had maybe 10 students and I've had an arrogant one before but he didn't smash things up!
    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
    • beanielou
    • By beanielou 7th Jul 18, 5:30 PM
    • 57,991 Posts
    • 238,625 Thanks
    beanielou
    How long do you have the students?
    Not too long I hope.
    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 7th Jul 18, 7:28 PM
    • 7,920 Posts
    • 59,980 Thanks
    apple muncher
    Oh 'eck. Stern words about respecting other peoples' property required? A complaint to the organisation that they used to come over? Good luck x
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (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 8th Jul 18, 7:30 AM
    • 2,215 Posts
    • 24,277 Thanks
    earthgirl
    They broke something else in the garden by smashing a ball into it, so I had words with them, and so did OH. They will probably go back to their previous behaviour so I'll have to keep reminding. I don't mind if I get a bad review from them about this. I might flag it up to the company just in case. They are here for another week, and then another two arrive for 2 weeks.

    So today I need to:
    hoover
    collect my car from my friends
    change students beds and clean around
    cook roast dinner

    Monday
    Contact company
    replan week to take time off on thursday when oh at funeral
    start end of stay reports
    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 8th Jul 18, 9:16 AM
    • 30,038 Posts
    • 174,084 Thanks
    Karmacat
    Ug, sorry to hear how the students are behaving
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • beanielou
    • By beanielou 8th Jul 18, 8:57 PM
    • 57,991 Posts
    • 238,625 Thanks
    beanielou
    I would flag it up anyway.
    That is dire.
    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
    • themadvix
    • By themadvix 9th Jul 18, 9:19 AM
    • 1,988 Posts
    • 11,456 Thanks
    themadvix
    Just catching up... sorry to hear about your friend Earthie And the students sound horrendous - I hope the 'words' got through... and that the next lot are much nicer!
    OPs 2018 = 2090
    Moving savings = 3085
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jul 2018: 91,552
    MFW2018 no. 38
    • edinburgher
    • By edinburgher 9th Jul 18, 9:36 AM
    • 11,261 Posts
    • 60,427 Thanks
    edinburgher
    They sound like total tossers - sorry EG!
    • earthgirl
    • By earthgirl 9th Jul 18, 5:57 PM
    • 2,215 Posts
    • 24,277 Thanks
    earthgirl
    I had to tell them again last night not to kick the balls full force into the fence. I told them if they need to hit it that hard they can go into the empty field next to my house. I will just have to keep telling them as they are so arrogant and uncaring. I'd be mortified if my children behaved this way!

    I have taken a pic and will email the company about it.

    So the good things that have happened - students seem ok with my reworking of the week to include time off on Thursday morning so that I don't need childcare. They are playing with my children a lot. The children are having a great expereince and summer holiday because I am taking them to museums, art galleries and events that they wouldn't normally engage with if we didn't have students. My kids are also becoming more responsible and amusing themselves and tidying up after themselves as we all 'pull together'. Phoned my mum in the car on the way back from todays museum trip so that was nice.

    I managed to pack and post all my ebay parcels - never again!

    I have not relisted any - got them ready to take to charity. The ones that did sell I made about 27. Its just not enough per hour when you consider the time of listing, packing and posting. Thats assuming none of them return items etc. I think it has been good as an experiment, but it is not going to make money for me, and I'd be better spending time on other things.

    Also need to redo the avaiable outings for the next students to not include the ones we have already completed so that my children get a bit of variety. I think I have spent about 50 on petrol, 10 on icecreams and 8 on parking so far, with 9 still to spend on swimming on Wednesday. It would be better if I could find cheap things to do that are closer so that I don't spend as much on petrol.

    The idea is that my own children get varied holiday activities as well - my allowance is 330 for 2 weeks for 2 students so I can definately up the activities cost.
    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
    • earthgirl
    • By earthgirl 9th Jul 18, 6:01 PM
    • 2,215 Posts
    • 24,277 Thanks
    earthgirl
    Also need to add that I weighed in at 8st 5lbs yesterday. So instead of losing I put on 2lbs last week.

    I'm going to put much more effort into this. No alcohol and better food choices. More exercise and water

    Target: 8st 3lbs by Sunday
    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 9th Jul 18, 7:52 PM
    • 7,920 Posts
    • 59,980 Thanks
    apple muncher
    I cannot remember ever weighing 8 st 3! Go for it!
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (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
    • edinburgher
    • By edinburgher 10th Jul 18, 6:23 AM
    • 11,261 Posts
    • 60,427 Thanks
    edinburgher
    I cannot remember ever weighing 8 st 3! Go for it!
    Originally posted by apple muncher
    I think at one point I weighed double that!
    • earthgirl
    • By earthgirl 10th Jul 18, 8:54 PM
    • 2,215 Posts
    • 24,277 Thanks
    earthgirl
    We are Mortgage Free again!!!

    Well officially mortage neutral as the money is in saving accounts earning more than I'm paying out in interest. But I can still celebrate!!

    1200 surplus now that my latest teaching money and lodger money has cleared.

    OH will now focus on paying for all home improvements from his business - garden fence will be the next expense, followed by a new bathroom and hall decor and carpet.

    I will focus on paying for everything and making extra money to travel, hopefully 5000 per year. Some places in the UK are on our hit list this year and next year, as well as visiting some places in Europe, and Australia in 2020.

    We will hopefully live happily, heathily and frugally in order to make some amazing life long memories together.

    one slight change is I think I am going to up my grocery budget to 50/week. This is to encourage me to buy more types of fruit that everyone here enjoys - think they are bored of bananas and apples! I am going to stay frugal elsewhere on my list but buy organic produce where it will make most difference - the 12 fruits/veg with the most pesticides:

    Strawberries (grow in garden)
    Spinach (grow in garden)
    Nectarines
    Apples
    Peaches
    Pears
    Cherries
    Grapes
    Celery
    Tomatoes
    Sweet Bell Peppers
    Potatoes (grow in garden)

    I am also going to restructure and increase our charity giving.

    In other news:

    MIL has been an angel and dropped off a lot of cakes etc that I can use as desserts. OH cooked tonight to give me a break - I have managed to organise what I am doing with the next students. I get paid slightly more, but have to do activities with the students at all times.
    Arghhh!

    I have decided that a simple routine will be best where I map out reading and homework time to give myself a break too.

    Another full morning of teaching completed, a friend to play and then took the last of the unsold ebay items to the ch shop and the kids to the park.

    Still need to keep a focus on my eating and drinking. I exercised this morning but more effort needed.
    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
    • beanielou
    • By beanielou 10th Jul 18, 9:18 PM
    • 57,991 Posts
    • 238,625 Thanks
    beanielou
    Fantastic
    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
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