Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • earthgirl
    • By earthgirl 13th Jan 18, 7:55 AM
    • 2,255Posts
    • 24,636Thanks
    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 Travel savings £18,168
Page 23
    • earthgirl
    • By earthgirl 10th Aug 18, 6:15 PM
    • 2,255 Posts
    • 24,636 Thanks
    earthgirl
    Jue thanks for reading the diary! Sometimes I think not very inspiring as in my earlier years I seemed more busy, but now I'm just differently busy!

    Thanks everyone for comments about relaxing! I certainly did!
    We had a great holiday near inverness I would totally recommend the highlands! We did lots of free fun things like fantastic open air museums, Nessie hunting and dolphin watching (from land they come right up to the shore!) and took picnics everyday and had a bbq every night. We did a couple of paid for things, the pool was £20 but had great slides, wave machines etc. We got ds1 landmark forest park tickets for his birthday and we all loved that. The caravan park we stayed at was only £65 per night and had a great play park and football area. Although the caravan decor was a bit dated it was well looked after and not scruffy. The kids made friends and we played lots of games every night, a proper relaxing family break!
    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 Travel savings £18,168
    • beanielou
    • By beanielou 10th Aug 18, 6:26 PM
    • 58,839 Posts
    • 244,132 Thanks
    beanielou
    Glad you had a lovely time
    Did you see Nessie
    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. ***Be the difference.***
    • Karmacat
    • By Karmacat 10th Aug 18, 7:25 PM
    • 30,210 Posts
    • 175,384 Thanks
    Karmacat
    It sounds gorgeous! Dolphins and forest park (and Nessie ) all make for such a wonderful time
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • apple muncher
    • By apple muncher 11th Aug 18, 7:46 AM
    • 8,054 Posts
    • 61,449 Thanks
    apple muncher
    That sounds like a wonderful holiday together.
    NST December in the TARDIS #1; NSD 6/15; Shlder Ex 6/21 ; craft 2(261); remove (669)
    2018 Pay off: £4641; 2
    018 sell £98.10; 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
    • greent
    • By greent 11th Aug 18, 3:15 PM
    • 7,603 Posts
    • 77,475 Thanks
    greent
    Sounds like a fab time away, earthie - glad you've had chance to recharge your batteries 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) £7575.92/£7500
    Net sales 2018 £751.22/£1000 PAYDOX18 (#15) Done £18918.90
    • Courgette
    • By Courgette 11th Aug 18, 3:21 PM
    • 1,754 Posts
    • 18,571 Thanks
    Courgette
    Sounds great! Lovely pictures on faceache too
    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 12th Aug 18, 6:06 PM
    • 2,255 Posts
    • 24,636 Thanks
    earthgirl
    Thanks it was lovely. Struggling with a few things since I came back. FIL is still deteriorating mentally and is starting to insist that mil is in the house with him all the time. I managed to spend the day with him on Saturday half at his house and half here, and got him over here to watch the footie this afternoon.

    I have tried my best to help with the calm and positivity battle he has, suggestions for keeping busy and we have made a plan for every day to try to reduce the anxiety and confusion. I've planned out all the appointments and forms for hospital trips and who is going etc.

    I know I've done too much, given too much of my time and energy and it might not work. He might not improve. I know that getting too involved and sharing the "looking after" of him and my mil is going to be tying and it's optional. I'm only the daughter in law.

    But I decided to go for it as I know this kind of stuff helps improve mental health. I've offered to spend the day with him every Saturday so my mil can go out. Oh is going to have him for a few hours most week days. If he agrees and goes for it. It's a lot for me to give up, I can't go anywhere on a Saturday, but at least I will have tried.

    I'm worried he will dislike me because I'm pushing him, and I'm worried his children will think I'm taking over. I'm worried if I don't do it I'll miss the chance and he'll contumiue to deteriorate and it'll be harder and harder to lift his mood and he and mil will become prisoners at home.

    I've been assured by oh that it's ok to interfere/help but it's still concerning.

    It will be ok in the end. And if it's not ok, it's not the end.

    I've also achieved a healthy shop for £50, got some more hen food and completed a back to school inventory (ordered new school shoes fir ds2 for £17 with voucher). I have completed another weekend of online teaching hours. I have 2more weekends if this left.

    I am going to take this evening for me. I've been eating really healthy which is good as I have 21pounds to lose I'll stay hydrated, get a good sleep and start afresh in the morning.

    Haha wish someone would come and calm me down and plan my day!
    Last edited by earthgirl; 12-08-2018 at 7:40 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 Travel savings £18,168
    • apple muncher
    • By apple muncher 12th Aug 18, 8:13 PM
    • 8,054 Posts
    • 61,449 Thanks
    apple muncher
    I do not think that what you are doing for your in-laws is in any way interfering. It is caring. It is loving them. It is awesome.

    But, please, do take care of you too x
    NST December in the TARDIS #1; NSD 6/15; Shlder Ex 6/21 ; craft 2(261); remove (669)
    2018 Pay off: £4641; 2
    018 sell £98.10; 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
    • beanielou
    • By beanielou 12th Aug 18, 9:19 PM
    • 58,839 Posts
    • 244,132 Thanks
    beanielou
    I do not think that what you are doing for your in-laws is in any way interfering. It is caring. It is loving them. It is awesome.

    But, please, do take care of you too x
    Originally posted by apple muncher
    This. Just this.
    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. ***Be the difference.***
    • greent
    • By greent 13th Aug 18, 8:56 AM
    • 7,603 Posts
    • 77,475 Thanks
    greent
    Another vote for what apple said. 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) £7575.92/£7500
    Net sales 2018 £751.22/£1000 PAYDOX18 (#15) Done £18918.90
    • themadvix
    • By themadvix 13th Aug 18, 10:57 AM
    • 2,041 Posts
    • 11,675 Thanks
    themadvix
    Thirded! Just make sure you don't overstretch yourself.

    Glad you had a lovely holiday.
    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 13th Aug 18, 5:42 PM
    • 8,054 Posts
    • 61,449 Thanks
    apple muncher
    And if you didn't do it, who else would?
    NST December in the TARDIS #1; NSD 6/15; Shlder Ex 6/21 ; craft 2(261); remove (669)
    2018 Pay off: £4641; 2
    018 sell £98.10; 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 13th Aug 18, 9:09 PM
    • 2,255 Posts
    • 24,636 Thanks
    earthgirl
    Thank you so much! You have given me the confidence to hold my head up high and plough on. The sort of help I've given -a routine chart, ideas for activities, keeping calm, breathing exercises, distraction techniques etc I suppose would come from a mental health team. I do it as part of my job.

    My 83 year old father in law got a bit of a shock with all that from me, and my chat about hydration and nutrition. And taking care and beginning to take responsibility and control.

    Anyway the reason I'm writing about it is because (although there will be good and bad days) it seems to have worked! We went for a doctors appointment this morning and there were no signs of dementia or cognitive impairment thank goodness. doctor mentioned anxiety first confirming what we suspected. Father in law was greatly improved though and chatting away about his routine and how he was feeling better and wanting to eat again.

    I know I must sound like I'm blowing my own trumpet but I'm so happy as I put so much time and effort in. I can't talk about it with OH (he doesn't like talking about his dad being ill)

    Hopefully he continues to improve and doesn't get cross with me on his bad days. And hopefully no one thinks I'm interfering.

    So in other news I've eaten well, stayed hydrated and exercised. Putting my planner out the night before helped.

    I've ordered pe trainers for ds2 with vouchers. I've ordered myself winter boots already as the weather is awful. Just from @sda but they normally last me one winter and for £12.50.

    Ive dyed my hair and have a cut booked for tomorrow.

    I can back off a bit from my fils and batter down my to do list again tomorrow!
    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 Travel savings £18,168
    • beanielou
    • By beanielou 13th Aug 18, 9:12 PM
    • 58,839 Posts
    • 244,132 Thanks
    beanielou
    You are an
    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. ***Be the difference.***
    • themadvix
    • By themadvix 14th Aug 18, 9:04 AM
    • 2,041 Posts
    • 11,675 Thanks
    themadvix
    Damn right you should be happy and proud of yourself! That sounds like amazing progress!

    Well done for making sure you look after yourself too.
    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 14th Aug 18, 11:44 AM
    • 8,054 Posts
    • 61,449 Thanks
    apple muncher
    So pleased that there are no signs of dementia. It is a cruel disease.
    NST December in the TARDIS #1; NSD 6/15; Shlder Ex 6/21 ; craft 2(261); remove (669)
    2018 Pay off: £4641; 2
    018 sell £98.10; 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
    • WannabeFree
    • By WannabeFree 14th Aug 18, 2:43 PM
    • 2,000 Posts
    • 18,241 Thanks
    WannabeFree
    You are an
    Originally posted by beanielou
    Totally agree

    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 14th Aug 18, 8:02 PM
    • 2,255 Posts
    • 24,636 Thanks
    earthgirl
    THANK YOU! your encouragement means so much.

    OH has visited FIL today, and by all accounts he is following the routine we planned out and is much more positive. MIL seems to feel better too.

    Haircut this morning was a bargain - £5 for a dry cut and I'm pleased with it. I've gone for a one length lob, the hairdresser thinks my hair is thick enough without layers and it will be eaier to air dry and leave.

    I was invited to go to a friends for lunch and a play date this afternoon. I've decluttered the utility room ready for the school bags and homework again. I've played with the kids a lot more today, but it's been quite a quiet lazy day really.
    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 Travel savings £18,168
    • badmemory
    • By badmemory 15th Aug 18, 1:37 AM
    • 2,296 Posts
    • 3,387 Thanks
    badmemory
    MIL is bound to feel better. You have improved the "outcome". You have shown her a route to follow to improve their future. You may never get the accolades you deserve from them, family seldom seem to, but you must know the difference you have made.


    And no dementia is a definite bonus because that can be a real bummer, because the person you are trying to help is no longer the person you knew.
    • earthgirl
    • By earthgirl 16th Aug 18, 9:15 PM
    • 2,255 Posts
    • 24,636 Thanks
    earthgirl
    Thanks sorry for going off on a bit of a tangent there. Fil had s bad day yesterday (lots of appointments etc took its toll) but a great day today.

    I was up early and had an overwhelming urge to get organised. I skipped the workout today to just get on with it. I am ashamed to admit I found two mouldy oranges and a very sticky sweet in my handbag. Disgusting!! Totally neglected lots of organisational things so I have a list of
    Urgent and important
    Important not urgent

    Just having it written down like that helps me to focus and I got half of the urgent important stuff done today! Plus a day at work (boo) and a football training tonight.

    Work might be becoming stressful if they change or dissolve my department, becoming more likely. Worst case is I'm put in a role I don't like, but I won't lose my job. I could consider working less if I don't like the job. The opportunity is that I continue to work in this job and love it, and they don't change anything.
    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 Travel savings £18,168
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,429Posts Today

6,428Users online

Martin's Twitter