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  • FIRST POST
    • earthgirl
    • By earthgirl 13th Jan 18, 7:55 AM
    • 2,158Posts
    • 23,897Thanks
    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 22
    • beanielou
    • By beanielou 24th Jul 18, 11:56 AM
    • 57,349 Posts
    • 234,742 Thanks
    beanielou
    Sorry to hear the news about yout FIL.
    Take care of you.
    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 24th Jul 18, 2:53 PM
    • 7,790 Posts
    • 58,835 Thanks
    apple muncher
    Family is so precious. No wonder you are exhausted! Take care and sending you lots of hugs x
    NST October Gobstopper #7; NSD 10/18; Ex /21 ; craft 23 (144); remove 6 (653)
    2018 Pay off: £4266; 2
    018 sell £49.10; WLOSW 3/10

    Mortgage £18,885 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • themadvix
    • By themadvix 25th Jul 18, 8:42 AM
    • 1,943 Posts
    • 11,215 Thanks
    themadvix
    Sorry to hear about your FIL. You're totally right though - you'll be no use to anyone if you don't look after yourself. I think stopping the extra weekend teaching at the end of Aug is wise - you're not mortgaged any more, so I'm sure you'll save the holiday money without pushing yourself so hard.

    Take care! x
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • WannabeFree
    • By WannabeFree 25th Jul 18, 10:33 AM
    • 1,771 Posts
    • 15,642 Thanks
    WannabeFree
    Sorry just catching up

    Amazing news on being mortgage free So so happy for you

    I missed your birthday Hope you had a lovely day.

    Sorry to hear about FIL but still make sure you're finding some time for you! It's no surprise you're feeling exhausted. I feel exhausted just reading what you do!

    Take care

    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 26th Jul 18, 8:36 PM
    • 2,158 Posts
    • 23,897 Thanks
    earthgirl
    Wannabe, Vix, Apple, beanie thank you so much.
    Wannabe thanks for catching up and posting I've missed you and your lists!
    Definite lack of lists here and just survival mode!

    Fil is home and oh is now able to see him quite easily rather than a 3 hour round trip. I have done more excursions and teaching. 3 hours more excursion and 3 hours more teaching to do tomorrow, then more work on Saturday and then I'll be able to go on holiday.

    I've painted half of the garden fence and hurt my back Oh needed help as he was so tied up with hospital visits.

    Survival mode till Saturday!
    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
    • themadvix
    • By themadvix 27th Jul 18, 11:52 AM
    • 1,943 Posts
    • 11,215 Thanks
    themadvix
    Hope back is okay.

    That's good that FIL is home - does that mean that prognosis has improved?

    Saturday is tomorrow now!
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • earthgirl
    • By earthgirl 29th Jul 18, 12:11 PM
    • 2,158 Posts
    • 23,897 Thanks
    earthgirl
    Back has improved randomly which is great!

    Survived all the teaching and excursions. One student went at 2am yesterday, then I was teaching at 7am, then packing for or hols, then sending oh and boys on holiday as the second students lift was late. Exhausted and annoyed!

    Eventually got to the ferry port and kids and oh had got had the ferry, I had missed it and the rest looked to be cancelled due to winds. Eventually got one a couple of hours later, very rough crossing everyone throwing up! Arrived in torrential rain and then found a bus to where I was going. Arrived totally drenched but heard that people were stranded in the ferry port as the ferry wasn't going back, so went back to the ferry port to offer our spare beds. Total nightmare but everyone was safe and well in the end.

    Now to enjoy our holiday!!
    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
    • WannabeFree
    • By WannabeFree 29th Jul 18, 12:12 PM
    • 1,771 Posts
    • 15,642 Thanks
    WannabeFree
    Hope everything is okay EG

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • themadvix
    • By themadvix 30th Jul 18, 9:18 AM
    • 1,943 Posts
    • 11,215 Thanks
    themadvix
    Glad your back is better and that you eventually made it on your hols!

    That was very kind of you to offer your spare beds - I'm not sure I'd've had the oomph to go back after such a stressful day.

    Hope you have a lovely time away!
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • apple muncher
    • By apple muncher 30th Jul 18, 1:31 PM
    • 7,790 Posts
    • 58,835 Thanks
    apple muncher
    What a start to your hols! Hope they improve...!!
    NST October Gobstopper #7; NSD 10/18; Ex /21 ; craft 23 (144); remove 6 (653)
    2018 Pay off: £4266; 2
    018 sell £49.10; WLOSW 3/10

    Mortgage £18,885 (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 3rd Aug 18, 8:06 PM
    • 2,158 Posts
    • 23,897 Thanks
    earthgirl
    This week has been very busy and a very unholiday-like holiday!

    My mum was 70 and came on holiday with us, and my brother and his family camped nearby so we did things together all day and evening andvthry stayed here one night. It was very good and the children really enjoyed it despite the weather. Oh and I are totally exhausted today. I think we have just been too busy with students, working and then entertaining and looking after others. We took the kids for a round of golf and then a walk then swimming, and that was a relaxing day. I feel like I need a week in bed which I can't have!

    I shouldn't work myself to the bone like this and I need to take things a bit more steady.

    So my planner runs out on Sunday and I have a new one lined up. It will focus on savings, improving our lives a little and health, being more organised and happier. Love a new planner!

    Savings
    I need to allocate savings pots which include clothes, car, travel, Christmas etc.
    I need to look at all of the savings accounts interest rates

    Income
    I need to get working on ohs business
    I still have one more month of weekend teaching
    Need to get back into surveys

    Life well lived
    Two more weeks of summer hols here and I want the kids to enjoy their time with us so lots of fun cheap activities and trips planned

    There is no getting away from it though, to do this I need to think about my energy levels!
    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
    • WannabeFree
    • By WannabeFree 4th Aug 18, 12:54 AM
    • 1,771 Posts
    • 15,642 Thanks
    WannabeFree
    Make sure you do fit in time to focus on yourself too! Especially before the summer holidays end

    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 4th Aug 18, 5:02 PM
    • 2,158 Posts
    • 23,897 Thanks
    earthgirl
    Thanks wannabe. I've totally missed this as everything I have done for the last four weeks -even showering!- had involved sharing with kids and camping out in our own house or holiday home to accommodate the students or my family.

    I have an unwritten rule that I do something every day to maintain myself so I look less scruffy.lets justsay that I looked very scruffy this morning!

    So I've blitzed it and will get back to doing something every day now, and I'm writing it down now too!

    Paint nails (normally when stationary in car before a 30 min drive to dry them)
    Scrub body and Put on body oil on a Saturday
    Hair mask
    Face mask
    De fuzz (too much info sorry) on a Friday as no lodger so can have a longer shower
    Take off nail polish when chipped
    Tame eyebrows

    I'll be looking much more put together soon!

    Had a busy morning -went to pool and then came home from hols. I've tidied up a bit but mostly enjoyed the peace as the children played for hours quietly with no interruptions- bliss and great for their imaginations!
    Last edited by earthgirl; 05-08-2018 at 11:00 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
    • Karmacat
    • By Karmacat 4th Aug 18, 9:16 PM
    • 29,849 Posts
    • 172,443 Thanks
    Karmacat
    So glad to hear you're getting back to a bit of self care - and even more important, some peace and quiet. Yay!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • earthgirl
    • By earthgirl 5th Aug 18, 11:09 PM
    • 2,158 Posts
    • 23,897 Thanks
    earthgirl
    Thanks Karma. Still feeling scruffy as I was just rushing around yesterday and today. It was also ds1's birthday today so not much sleep last night and up early today. He liked his presents and still has some money to spend.

    Work from 7-9 (only 3 weekends left of this!) then straight to a football tourmnament for ds2 followed by another for ds1, and finally a grocery shop £50.

    I've been to see mil and fil. Fil has deteriorated which I am upset aobut but I just have to accept that I can't do anything about this. I am going to take the boys to visit on a Saturday morning for 3 hours to let MIL go out. It doesn't have to be like babysitting though - I can get things done and play outside with the kids etc. I just feel sad as its such a big mental deterioration in just one week. Hopefully he'll become more positive soon.

    So tomorrow we are going away for 5 days - just the four of us. Not great timing with FIL being unwell, but I think it will be good to get some perspective.

    I have to accpet the things I cannot change and focus on the good things that I can do for myself, my family and friends. My father in law of 3 weeks ago would have wanted me to do this.
    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
    • juliejim
    • By juliejim 6th Aug 18, 8:08 AM
    • 7,574 Posts
    • 151,579 Thanks
    juliejim
    Just caught up with this diary and read from the start. So late to the party but congratulations on being mortgage neutral.

    Have a wonderful holiday and make sure you get some relaxation in!

    Jue
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA £5500
    • themadvix
    • By themadvix 6th Aug 18, 7:09 PM
    • 1,943 Posts
    • 11,215 Thanks
    themadvix
    aaaaand *relax*! Hope you have a peaceful and relaxing holiday - you need it!
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • apple muncher
    • By apple muncher 6th Aug 18, 7:23 PM
    • 7,790 Posts
    • 58,835 Thanks
    apple muncher
    Wishing you a lovely holiday x
    NST October Gobstopper #7; NSD 10/18; Ex /21 ; craft 23 (144); remove 6 (653)
    2018 Pay off: £4266; 2
    018 sell £49.10; WLOSW 3/10

    Mortgage £18,885 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Karmacat
    • By Karmacat 6th Aug 18, 9:09 PM
    • 29,849 Posts
    • 172,443 Thanks
    Karmacat
    Have a lovely relaxing time on holiday - I'm sure you'll find out about any emergencies. I hope you take on board the reality that you really, really, really can't affect your FiL's health - thats something none of us can do for one another

    Remember that your holiday is to recharge *your* batteries, as well as everyone else's
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • WannabeFree
    • By WannabeFree 6th Aug 18, 9:32 PM
    • 1,771 Posts
    • 15,642 Thanks
    WannabeFree
    Echo everyone else, make sure you relax and have fun. FIL would want you to x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
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