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  • FIRST POST
    • earthgirl
    • By earthgirl 13th Jan 18, 6:55 AM
    • 2,517Posts
    • 26,722Thanks
    earthgirl
    Earthgirl's Final Battle
    • #1
    • 13th Jan 18, 6:55 AM
    Earthgirl's Final Battle 13th Jan 18 at 6:55 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

    My Planner : https://youtu.be/nB8pejCDV1k

    10 Extreme Ways to Cut Costs: https://youtu.be/LGARCHqh4ME
Page 41
    • greent
    • By greent 10th Apr 19, 1:38 PM
    • 8,034 Posts
    • 81,488 Thanks
    greent
    Sad to hear - but the positive is that at least they are having that break from their 'norm' with some food and some fun/ distraction from their usual reality.

    It should not happen, for sure - but you are really helping them with the lunch club and also by reporting things 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 12/18 £54829 2019 OPs (#18) £1603.41/£5K
    Net sales 2019 £155.17/£500
    • earthgirl
    • By earthgirl 11th Apr 19, 9:45 AM
    • 2,517 Posts
    • 26,722 Thanks
    earthgirl
    Thank you so much for your comments and support I really appreciate it as it's tough. It's not just tough emotionally it's tough behaviourally (is that a word?) as they all fight and have no understanding of how to behave. The teachers from the school don't work at the lunch club (need a break I'm sure!) and the teacher covering for me last week walked out after two days due to behaviour! So tough!

    Anyway I am doing my best and I have lots of support from you lovely people x

    One day I'll post something about money!!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    My Planner : https://youtu.be/nB8pejCDV1k

    10 Extreme Ways to Cut Costs: https://youtu.be/LGARCHqh4ME
    • Karmacat
    • By Karmacat 11th Apr 19, 10:09 AM
    • 31,315 Posts
    • 184,442 Thanks
    Karmacat
    Yes you *do* have lots of support from here - I think you're doing amazingly well, not just financially but in the care you take of all those around you. xxx
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • themadvix
    • By themadvix 11th Apr 19, 11:46 AM
    • 2,300 Posts
    • 12,959 Thanks
    themadvix
    Wow, that makes it sound even harder, as I'm sure - unless you're a complete saint, which is possible! - that you have limits to your patience....

    You're doing something more important that money saving at the moment (and still getting paid for it, anyway!).
    • earthgirl
    • By earthgirl 14th Apr 19, 2:27 PM
    • 2,517 Posts
    • 26,722 Thanks
    earthgirl
    Thank you so much. Yes it was still tough all week but we managed it and I built a good relationship with a couple of the harder cases - they were helping me at the end which I was a bit shocked by!

    I think I earned about £150 for my lunch club work last week. Hopefully I'll be able to do it again in the summer holidays.

    My video this week was about our mortgage free journey now and in particular how we are saving for the children's futures, retirement and being mortgage neutral now but maybe not forever https://youtu.be/N2jIBqJZMTs

    I was talking with OH about how great late spring and summer are here, but the winters are dark and harsh. We discussed being able to live half of the year in a warmer place in the future, after the kids have left (the youngest is 6 so I'll not get excited yet!!)

    I have been pretty healthy this weekend - lots of activity, bike rides etc and eating well. I'm sticking to 5 rules and keeping it simple and easy rather than a diet plan and it's working for me:

    1. No alcohol
    2. No sweet treats
    3. More water
    4. More fruit
    5. More exercise - at least 10k steps and 1 other form of exercise (this is tending to be a bike ride with the kids - something simple)

    I'm having a cheat day per week too! This tuesday I am invited out for cake and fizz so will have to cheat then, but it doesn't mean I give up.

    Having no sweet treats also makes me more energetic I'm sure. I have planted lettuce, weeded at the front and side of the house, decluttered the utility room (aka dumping ground) and work on OHs business and got ahead with my youtube videos.

    Still getting a few nasty comments but also getting LOADS of really nice comments. It's a learnng curve!

    TO DO:
    Car insurance
    pay in lodger cheque
    Plan week and meals
    batch cook and sunday roast
    Last edited by earthgirl; 14-04-2019 at 2:30 PM.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    My Planner : https://youtu.be/nB8pejCDV1k

    10 Extreme Ways to Cut Costs: https://youtu.be/LGARCHqh4ME
    • Karmacat
    • By Karmacat 15th Apr 19, 6:21 PM
    • 31,315 Posts
    • 184,442 Thanks
    Karmacat
    Earthie, when you're putting yourself out there in person, in particular, I don't think you'll ever get less than a few nasty comments, it seems to be what happens. I don't get any because I'm totally anonymous and I never let my own image appear - I'm betting there's some people who don't even know that I'm female (tho not many!).



    And I see what you mean about having just mentioned living somewhere warm! Yay, for great minds
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • earthgirl
    • By earthgirl 16th Apr 19, 8:18 AM
    • 2,517 Posts
    • 26,722 Thanks
    earthgirl
    Yes I'm kind of used to it now! It's really good to have experience of it, because really my children and the teenagers I work with will encounter this kind of negativity from social media and I think having an understanding of it gived me a great platform from which to support them.

    Managed to plan the week, do my batch cooking and get my car insurance.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    My Planner : https://youtu.be/nB8pejCDV1k

    10 Extreme Ways to Cut Costs: https://youtu.be/LGARCHqh4ME
    • themadvix
    • By themadvix 16th Apr 19, 10:45 AM
    • 2,300 Posts
    • 12,959 Thanks
    themadvix
    That's very true about social media and children/teenagers - it's such a different world now, and a very scary one too. I'm sure your experience will help and, sadly, probably with your boys when they are older too (sorry, that sounds awfully negative!)

    Sounds like a productive day yesterday/this morning.
    • apple muncher
    • By apple muncher 16th Apr 19, 2:44 PM
    • 8,654 Posts
    • 66,438 Thanks
    apple muncher
    Just a thought - do your kids come along to the lunch club with you? I have a feeling they do. Great for them to mix with all sorts of kids x
    NST April Spring #7; NSD 10/12; Ex 18/16; craft (12); remove 7 bagfuls (14)

    Mortgage £16,231 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • earthgirl
    • By earthgirl 20th Apr 19, 8:40 AM
    • 2,517 Posts
    • 26,722 Thanks
    earthgirl
    They normally do come with me but didn't this time as they were footballing.

    I'm at my mums and just enjoying a really simple easy weekend. Yesterday I did a lot of organising and planning for my teaching job. Its just that time of year. I have quite a bit of marking to do as well.

    kids have just been playing - there is a park with a few goals which is great.

    Apparently at home the beach is mobbed - brilliant weather!

    I'm going to have a quick check up against my goals because I think some things are taking too much time (youtube) to the detriment of other things...
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    My Planner : https://youtu.be/nB8pejCDV1k

    10 Extreme Ways to Cut Costs: https://youtu.be/LGARCHqh4ME
    • beanielou
    • By beanielou 20th Apr 19, 6:27 PM
    • 62,688 Posts
    • 272,288 Thanks
    beanielou
    Have a lovely weekend
    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.***
    • apple muncher
    • By apple muncher 20th Apr 19, 6:54 PM
    • 8,654 Posts
    • 66,438 Thanks
    apple muncher
    Not surprised the beach is mobbed!
    NST April Spring #7; NSD 10/12; Ex 18/16; craft (12); remove 7 bagfuls (14)

    Mortgage £16,231 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • earthgirl
    • By earthgirl 22nd Apr 19, 2:57 PM
    • 2,517 Posts
    • 26,722 Thanks
    earthgirl
    Having a lovely day with oh and kids in the garden. Just amazing weather.
    Could pist something here quite negative about a visit to my mums, but life is too short. I'm doing my best and I'm proud of what I'm achieving and how my boys are achieving. even if she isn't

    I have reassessed and I'm only going to do work on YouTube channel on weekends as a bit of a hobby and I'm going to focus on my health and ohs business in the weekdays when I am more productive.

    In winter I'll book our travel, declutter the house, do more strength training, work on ohs business and maybe YouTube too.

    Also going to go on our major holidays on the Christmas break even though it can be slightly more expensive, as this is when we are both quiet at work and I can get extra days off by earning them in the busy times. Also Easter and summer even early sept here can be glorious. West coast of Scotland has beaches, islands and wilderness that I want to enjoy. I took the gamble to move to my ideal location and I should be enjoying it more! Also I find the winters dark and tough (and the football games get cancelled!) so winter breaks just suit me.

    We are saving for America (west coast) Australia, South Africa, America (Tennessee) and New Zealand each for two weeks, with 3-4 day city breaks in Europe in Easter and October, we kid a New York City trip too.

    So back from daydreaming to the actual nitty gritty of actually saving the cash essentially on my income plus my extras. If you saw my recent video I'm only contributing £500 to travel savings per month. This is with £200 in from tutoring/month which finishes in a month.

    Ideas:
    Spend nothing!
    Put tutoring flyers through doors of new estates (always my best customers for some reason)
    Put flyers in community centres etc
    Do surveys religiously
    Redo meal plan
    Eat less
    Last edited by earthgirl; 22-04-2019 at 3:02 PM.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    My Planner : https://youtu.be/nB8pejCDV1k

    10 Extreme Ways to Cut Costs: https://youtu.be/LGARCHqh4ME
    • apple muncher
    • By apple muncher 22nd Apr 19, 3:22 PM
    • 8,654 Posts
    • 66,438 Thanks
    apple muncher
    That sounds like a really good plan. And one that won't wear you out as you try to achieve it...
    NST April Spring #7; NSD 10/12; Ex 18/16; craft (12); remove 7 bagfuls (14)

    Mortgage £16,231 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • beanielou
    • By beanielou 22nd Apr 19, 6:09 PM
    • 62,688 Posts
    • 272,288 Thanks
    beanielou
    500 a month is huge!!
    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.***
    • earthgirl
    • By earthgirl 22nd Apr 19, 7:50 PM
    • 2,517 Posts
    • 26,722 Thanks
    earthgirl
    That sounds like a really good plan. And one that won't wear you out as you try to achieve it...
    Originally posted by apple muncher
    And hopefully one that will help me reach my goals!!

    500 a month is huge!!
    Originally posted by beanielou
    It'll drop to £300/month in June and Ive had no bookings for students in the summer, apparently due to brexit the uni says! I should get work at the summer lunch club so that should be £100/week approx for 4 weeks (I hope).

    Airbnb should get busier too. Note to self I could look at another room on Airbnb if I don't have students.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    My Planner : https://youtu.be/nB8pejCDV1k

    10 Extreme Ways to Cut Costs: https://youtu.be/LGARCHqh4ME
    • beanielou
    • By beanielou 22nd Apr 19, 8:01 PM
    • 62,688 Posts
    • 272,288 Thanks
    beanielou
    Sure that you will find a way forward
    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.***
    • apple muncher
    • By apple muncher 22nd Apr 19, 8:29 PM
    • 8,654 Posts
    • 66,438 Thanks
    apple muncher
    You'll end up putting up a tent in the garden and renting out all your rooms...!
    NST April Spring #7; NSD 10/12; Ex 18/16; craft (12); remove 7 bagfuls (14)

    Mortgage £16,231 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • themadvix
    • By themadvix 23rd Apr 19, 9:46 AM
    • 2,300 Posts
    • 12,959 Thanks
    themadvix
    You'll end up putting up a tent in the garden and renting out all your rooms...!
    Originally posted by apple muncher
    Just waiting for Earthie to say, 'Hmm, that's an idea.... it would be an adventure for the kids!' (Possibly not with Scottish weather!)
    • earthgirl
    • By earthgirl 23rd Apr 19, 1:34 PM
    • 2,517 Posts
    • 26,722 Thanks
    earthgirl
    We have considered this before when there was a big sporting event nearby. We decided not to as OH didn't like the idea of other people partying in our house!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    My Planner : https://youtu.be/nB8pejCDV1k

    10 Extreme Ways to Cut Costs: https://youtu.be/LGARCHqh4ME
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