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
    • 2,215Posts
    • 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 25
    • earthgirl
    • By earthgirl 10th Sep 18, 9:35 PM
    • 2,215 Posts
    • 24,277 Thanks
    earthgirl
    It's coriander and basil to add to my cooking to give more flavour. I've got some winter lettuce in but it's not growing very fast might have missed the boat.

    Was just chatting to oh and my healthy eating is going really well for myself and them too. I've lost another couple of pounds and feel like I don't crave sugary things any more, although I enjoy from time to time. The biggest thing has just been listening to my body, eating more at lunch and just a snack later. I'm never hungry and much much healthier. Don't think it's a proper habit yet, just three weeks in, so I'm going to keep it a big focus. I've been doing exercise via you tube vids and walking on the beach.

    The weekend needs improvement in terms of eating, doing fun things with kids and not focusing on to do list. This was a mistake as I just felt that things were hanging over me all weekend.

    Another wobble for ds2 at football training, he got upset. I don't need to take him as often as I do as he does get really tired. I'm not having him as tired and fed up as he was last season.
    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 11th Sep 18, 11:15 AM
    • 1,754 Posts
    • 18,569 Thanks
    Courgette
    Yes, I understand what you mean about wanting to save up for travelling and OH's business not doing so well. I think you're probably happier too when you have a big goal to focus on so ignore me telling you to relax a bit!

    Out of interest, what platform is everyone moving their S&S ISA to? Mine is still with CSD and I know they've put their fees up recently haven't they. For some reason moving a S&S ISA feels really daunting to me
    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%
    • themadvix
    • By themadvix 11th Sep 18, 1:20 PM
    • 1,988 Posts
    • 11,456 Thanks
    themadvix
    Courgette - Vanguard now do a S&S ISA for the less than ridiculously wealthy - vanguardinvestor.co.uk. Fees are 0.15% (CSD have just put theirs up to 0.35%). The transfer was ever so simple and if you have funds in Vanguard through CSD they just transfer them over, they don't even have to withdraw and invest. It honestly took 5 mins (need your NI no. and CSD account no., that was pretty much it!). And the platform is so clear and easy to understand (or I think so), in comparison to CSD.

    I didn't realise basil would still be okay to plant Earthie - will put some more of that in! (We have a tub of freeze dried coriander bought about 5 years ago from Aldi - I'm not sure we'll ever get through it, despite using it quite a bit!)

    Glad the healthy eating is working for you all.
    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 11th Sep 18, 2:26 PM
    • 7,920 Posts
    • 59,992 Thanks
    apple muncher

    Another wobble for ds2 at football training, he got upset. I don't need to take him as often as I do as he does get really tired. I'm not having him as tired and fed up as he was last season.
    Originally posted by earthgirl

    We do this with dd - we work out which activities are 'non-negociable' and all the others can be missed. A tired child is not a happy one - and it really does affect everyone else too!
    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
    • Courgette
    • By Courgette 11th Sep 18, 3:07 PM
    • 1,754 Posts
    • 18,569 Thanks
    Courgette
    Thanks Vix!
    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 13th Sep 18, 12:33 PM
    • 2,215 Posts
    • 24,277 Thanks
    earthgirl
    I'm growing basil inside though -in the conservatory.

    My father in law sadly passed away yesterday morning. We are all very sad, it was very peaceful which is giving some comfort.

    I wasn't sure about getting paid leave - I think it's unpaid - so I have just powered through yesterday and today at work. I have a big gap now so I'm going to try and get lots of niggly tasks done.

    Yesterday I was in total shock mode but my daily block schedule got me through and I didn't forgot anything. Its been so helpful and comforting to know what I need to /should be doing at any point in the day for when I was running without any functioning brain cells!
    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 13th Sep 18, 12:54 PM
    • 7,920 Posts
    • 59,992 Thanks
    apple muncher
    Oh earthie, so sorry to hear about your fil. Lots of hugs to you all 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
    • beanielou
    • By beanielou 13th Sep 18, 12:54 PM
    • 58,008 Posts
    • 238,674 Thanks
    beanielou
    Sorry to hear your news.
    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 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
    • Needhelpsaving
    • By Needhelpsaving 13th Sep 18, 1:06 PM
    • 755 Posts
    • 3,158 Thanks
    Needhelpsaving
    Sorry to hear your sad news, sending hugs x
    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)
    • themadvix
    • By themadvix 13th Sep 18, 2:54 PM
    • 1,988 Posts
    • 11,456 Thanks
    themadvix
    So sorry to hear that. Thinking of you x
    OPs 2018 = £2090
    Moving savings = £3085
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jul 2018: £91,552
    MFW2018 no. 38
    • XSpender
    • By XSpender 13th Sep 18, 7:10 PM
    • 3,122 Posts
    • 32,039 Thanks
    XSpender
    I'm so sorry to hear your sad news. Sending hugs to you and your family x
    CC 1 - £1000 CC2 £12,591.44 Furniture £1629 Carpets £1103.36 (23 months left) - Total at 5/11/18 £16,323.80 all at 0%

    Small EF 30% Big EF 0% Holiday 0% Garden 0% Carpets SIF Fund £76.76
    • earthgirl
    • By earthgirl 13th Sep 18, 7:19 PM
    • 2,215 Posts
    • 24,277 Thanks
    earthgirl
    Thank you. I think my challenge will be supporting oh through this. He is annoyed with me and hasn't got a kind look word or comment for me at the moment. Never mind we'll get through it, he's just grieving and under pressure and taking it out on me.

    A little bit of banking done this afternoon, had a supermarket order delivered and did a tutoring lesson so £25 in. Both boys away at some activities, friends helping tonight which is nice.

    I've booked myself an hour long facial at the weekend £35 very unlike me but my skin isn't feeling great and I'd like an hour or so to relax (we have lots of relative here at the moment to look after kids so it seemed s good opportunity.

    We might be travelling later rather than sooner as mil is here on her own now, we will see..so an hour to spoil myself is ok!
    .
    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 13th Sep 18, 7:56 PM
    • 30,040 Posts
    • 174,093 Thanks
    Karmacat
    Very sorry to hear your news about your FiL, earthie and that your OH is taking his grief out on you in that way. Very wise of you to understand it right away. Also wise of you to book in for a facial at the weekend, thats a really good idea.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • CathT
    • By CathT 13th Sep 18, 9:58 PM
    • 5,779 Posts
    • 40,505 Thanks
    CathT
    So sorry to hear your sad news Earthie.
    Nov 2018 -
    part 1 - £74,947
    part 2 - £44,678
    Total - £119,625
    • Courgette
    • By Courgette 14th Sep 18, 4:49 PM
    • 1,754 Posts
    • 18,569 Thanks
    Courgette
    I'm sorry to hear your news earthie. Take care xxx
    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%
    • julicorn
    • By julicorn 14th Sep 18, 5:14 PM
    • 388 Posts
    • 1,425 Thanks
    julicorn
    So sorry to hear earthgirl! I hope you're OK x
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Current: £189,100
    • earthgirl
    • By earthgirl 16th Sep 18, 12:39 PM
    • 2,215 Posts
    • 24,277 Thanks
    earthgirl
    Thanks, oh much improved in terms of taking stuff out on me. He does it now and again but not really a concern. Ohs sister may or may not have fallen out with me, again everyone is under strain at the moment so I'm not going to worry about it at the moment.

    I've tided the garden, washed the car and clean the hen hut out and done all the laundry. I still have to finish the banking jobs, work on ohs business and maybe hoover around. I will batch cook for the week and plan the week too.

    Ds2 is having a friend around this afternoon and then I'll put a film on for them. Both have been to footie today so that's enough activity for them!
    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
    • greent
    • By greent 16th Sep 18, 1:56 PM
    • 7,518 Posts
    • 76,289 Thanks
    greent
    Sorry to hear your news. earthie 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) £7127.06/£7500
    Net sales 2018 £721.53/£1000 PAYDOX18 (#15) Done £18918.90
    • gallygirl
    • By gallygirl 16th Sep 18, 3:14 PM
    • 16,660 Posts
    • 109,960 Thanks
    gallygirl
    So sorry to hear your news EG, what a sad few months you've had. i hope you can take some solace from the peace you brought to FIL from the efforts you put in to getting him a schedule etc.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • Brodiebobs
    • By Brodiebobs 16th Sep 18, 5:04 PM
    • 778 Posts
    • 3,321 Thanks
    Brodiebobs
    Sorry to hear your loss x
    Addicted to MSE.
    Overpaying mortgage for a better debt free life!
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

4,353Posts Today

9,162Users online

Martin's Twitter
  • "Sabrina, you're young. I'm not sure you've the experience I'm looking for in a business partner." Eh? Isn't the pr? https://t.co/IeTxBQq2OU

  • I am predicting the word myself will be misused 6 times in today;s boardroom. What do yourself think? #TheApprentice

  • Not sure how I ever succeeded running a successful entreprise? After all my gardening and garden design skills are? https://t.co/FFnvkjsGDU

  • Follow Martin