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    • earthgirl
    • By earthgirl 13th Jan 18, 7:55 AM
    • 2,149Posts
    • 23,825Thanks
    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 20
    • Karmacat
    • By Karmacat 10th Jul 18, 9:47 PM
    • 29,771 Posts
    • 171,658 Thanks
    Karmacat
    Congratulations


    Coffee and cake are in order
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Needhelpsaving
    • By Needhelpsaving 11th Jul 18, 6:28 AM
    • 738 Posts
    • 3,020 Thanks
    Needhelpsaving


    Congratulations!!!!!!!
    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 £59,726.60 (01/02)
    • greent
    • By greent 11th Jul 18, 8:25 AM
    • 7,360 Posts
    • 74,573 Thanks
    greent
    Amazing! Huge congratulations!
    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) £6100/£7500
    Net sales 2018 £658.15/£1000 PAYDOX18 (#15) Done £18918.90
    • earthgirl
    • By earthgirl 11th Jul 18, 10:50 AM
    • 2,149 Posts
    • 23,825 Thanks
    earthgirl
    Thank you all!

    I've updated my signature.

    Here is my old signature for info:

    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 )
    Jan 18 - £11,687 (£28,086 offset in 2017)
    Mar 18 -£8524
    June 18 - £ - 2,205
    July - £545
    Kids savings 13,578/36k

    My first goal is to get the monthly buffer for expenses up to £2k, which I should do by next Friday.

    Then I am saving for travel yipee!
    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 11th Jul 18, 11:22 AM
    • 293 Posts
    • 1,163 Thanks
    julicorn
    Huge congratulations! It's incredible how quickly you managed to achieve this!
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Current: £190,100
    • apple muncher
    • By apple muncher 11th Jul 18, 3:43 PM
    • 7,703 Posts
    • 58,118 Thanks
    apple muncher
    You must feel like you are floating along with the removal of the mortgage millstone. Well done you!
    NST September Sunshine #4; NSD 16/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3482; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,569 (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 11th Jul 18, 9:17 PM
    • 2,149 Posts
    • 23,825 Thanks
    earthgirl
    I'm not really sure if I should keep on posting as I have saved enough to op. But I haven't actually done it yet so the money could be used for other things if necessary. I still have financial and life goals I'm working on. And posting helps.

    Today I managed a workout, different one to normal and didn't like it as much as it bothers my back. Drank 2 glasses lemon water and stayed marginally more hydrated. No alcohol since Saturday. Food ok. Biscuits my downfall, banned from tomorrow! I have to have them in the house for students.

    Took everyone swimming this afternoon. Bargain as free swimming for kids in summer hols so £3 spent and 5 of us went swimming. Wow! I'll do this a couple of times with the next students too.

    Decided to buy ds2 a nose clip £3 spent as I think it'll help him make progress.

    Oh cooked tea which gave me a break. Oh is away tomorrow at our friendS funeral, he'll be away for a couple of days, kids going for a sleepover at grandparents which gives me a night off

    So, biscuits banned tomorrow, report to write in lesson, kids to entertain and more hydration and healthy food on the menu.
    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 11th Jul 18, 9:55 PM
    • 29,771 Posts
    • 171,658 Thanks
    Karmacat
    I'm not really sure if I should keep on posting as I have saved enough to op. But I haven't actually done it yet so the money could be used for other things if necessary. I still have financial and life goals I'm working on. And posting helps.
    Originally posted by earthgirl
    Absolutely reason to carry on posting, keep going!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • beanielou
    • By beanielou 11th Jul 18, 10:03 PM
    • 56,868 Posts
    • 231,597 Thanks
    beanielou
    Keep posting
    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. MFW 2018. No 144
    • apple muncher
    • By apple muncher 12th Jul 18, 6:41 AM
    • 7,703 Posts
    • 58,118 Thanks
    apple muncher
    Please keep posting.


    We got to mortgage neutral and then had to buy a car so returned to 'having a mortgage' and building up the offset/paying down the capital again. Until it is all gone and we have the deeds, I still am a MFW.
    NST September Sunshine #4; NSD 16/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3482; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,569 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Needhelpsaving
    • By Needhelpsaving 12th Jul 18, 7:42 AM
    • 738 Posts
    • 3,020 Thanks
    Needhelpsaving
    Keep posting!!
    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 £59,726.60 (01/02)
    • themadvix
    • By themadvix 12th Jul 18, 11:20 AM
    • 1,921 Posts
    • 11,087 Thanks
    themadvix
    Belated Congratulations!!

    And please keep posting!

    (Thanks for the organic list too - I knew it existed but can never remember what's on it.)
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • earthgirl
    • By earthgirl 13th Jul 18, 10:14 PM
    • 2,149 Posts
    • 23,825 Thanks
    earthgirl
    Thanks!!
    After 14 years or so of reading/posting I think I would miss not having a diary. So I'll just carry on until it's deleted!

    Great eating today and a quick peek at the scales shows I'm on track for not gaining and hopefully losing this week. Hydration good. Workouts and evening walks on the beach done - lovely.

    Have been getting in better with students since fence gate. Today they were really quite sweet and cooked a signature dish from their country for us all for tea. Yummy.

    Taught for 3.5 hours and managed to get student reports finished. Boys had a friend to play this afternoon and then i played a couple of games with them. I didn't really get much else done, I'd liked to have got some gardening done but definitely suffering for a mid afternoon energy slump!

    Tomorrow I'm going to try and do 15 mins of something when I have the tired feeling.
    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 14th Jul 18, 6:28 PM
    • 2,149 Posts
    • 23,825 Thanks
    earthgirl
    Well I think I might have the cure for my mid afternoon slump, a cup of tea and a power nap. Felt awful when I woke up but had loads of energy to garden all afternoon!

    Bathrooms cleaned and students rooms half ready (waiting for bedding to dry) for next two arriving tomorrow. Very nice to have the house to ourselves for a couple of days.

    I was going to take the kids on a "day out" today but they didn't want to go..said they go out all the time with the students so they'd like to relax! Saved us some money and the deal was they had to entertain themselves all day, and they did!

    Quite a lot of cleaning completed, also I've been a bit worried about the health of the hens but they looked much better today.

    We are having a family night tonight with a takeaway for my birthday which is tomorrow, but I'm working tomorrow morning, grocery shopping then "working" when the students arrive in the afternoon.

    Bought ds1s birthday presents. He wanted football boots and to dye his hair blonde! I'm all for originality but not sure about the hair! I put a little lemon juice on it this afternoon I bought a bargain bike for him £64 delivered and it's a new muddy f0x bike, hope he loves it! This will be from my mum and dad. The boots are from us. He would like a football kit from his other grandparents.

    Also bought him some new free underwear with the myicepoints.
    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 14th Jul 18, 8:40 PM
    • 56,868 Posts
    • 231,597 Thanks
    beanielou
    Your diary wont be deleted!

    Happy birthday for tomorrow~~enjoy
    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. MFW 2018. No 144
    • Karmacat
    • By Karmacat 14th Jul 18, 9:49 PM
    • 29,771 Posts
    • 171,658 Thanks
    Karmacat
    Happy Birthday!


    And a great bargain on a Muddy Fox bike, thats brilliant.


    the cake is just for you
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • museumworker
    • By museumworker 14th Jul 18, 10:29 PM
    • 2,095 Posts
    • 12,452 Thanks
    museumworker
    A huge congrats on reaching mortgage freedom - again! What an achievement- you've put so much work into making extra money and stretching every penny. Look forward to hearing all about your travels.

    And happy birthday too
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
    • apple muncher
    • By apple muncher 15th Jul 18, 7:40 AM
    • 7,703 Posts
    • 58,118 Thanks
    apple muncher
    HAPPY BIRTHDAY!!!
    NST September Sunshine #4; NSD 16/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3482; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,569 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • CathT
    • By CathT 15th Jul 18, 8:46 AM
    • 5,713 Posts
    • 39,915 Thanks
    CathT
    Happy birthday EG and congratulations on achieving mortgage freedom again!

    Double cake - enjoy!
    Sept 2018 -
    part 1 - £75,557
    part 2 - £44,913
    Total - £120,470
    • greent
    • By greent 15th Jul 18, 9:42 AM
    • 7,360 Posts
    • 74,573 Thanks
    greent
    Happy Birthday!!

    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) £6100/£7500
    Net sales 2018 £658.15/£1000 PAYDOX18 (#15) Done £18918.90
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