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  • FIRST POST
    • earthgirl
    • By earthgirl 13th Jan 18, 7:55 AM
    • 2,043Posts
    • 22,842Thanks
    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 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 )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
Page 9
    • beanielou
    • By beanielou 8th Mar 18, 10:59 AM
    • 55,063 Posts
    • 220,048 Thanks
    beanielou
    All sounding good
    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.
    • earthgirl
    • By earthgirl 9th Mar 18, 8:20 PM
    • 2,043 Posts
    • 22,842 Thanks
    earthgirl
    Thanks. Yes my wee lists for morning and night are a revelation to me. Who knew I could be so organised and have everything ready on a morning? Instead of just half of it ready!!

    Ds1 came home with a certificate from school which is great, but then had a bad time emotionally at football tonight. I had a stressful day at work.
    I've got my second job tomorrow in the morning, so I just need to do s little prep for that, then a shower and relax in bed.

    I've decided to ease back into healthy eating rather than expensive protein diet, but do more exercise. If I gain weight I can go back to diet if I need to.

    Tomorrow I'm having a relaxing morning, maybe ds1 having a friend to play followed by meeting a friend and children for a free play.
    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 )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • Karmacat
    • By Karmacat 10th Mar 18, 10:24 AM
    • 29,312 Posts
    • 167,876 Thanks
    Karmacat
    Oh absolutely - making routines for the things that *have* to be done is such a timesaver.

    Your day today sounds really nice - enjoy
    Retired August 2016
    • earthgirl
    • By earthgirl 10th Mar 18, 10:26 AM
    • 2,043 Posts
    • 22,842 Thanks
    earthgirl
    So last night I had this insomnia where I just could not - no matter what I did - fall asleep. I was really distressed about a work case that I had to take action on yesterday. It was so strange because I felt sad and frustrated after work, but ok. Anyway as soon as I tried to go to sleep, I was totally haunted by what happened and what ifs.

    I fell asleep at about 4.30 and got up at 5.30 to work. I think I can get through the day though and as most things are done I can just relax and take the kids out later - hopefully I'll just have to sit on the sidelines.

    Even though its an early start its really suiting me as I can achieve some money making before the day properly starts!

    Opportunities:
    finish anything on my to do list that I feel like doing
    do some educational and fun things with the kids
    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 )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • CathT
    • By CathT 10th Mar 18, 11:54 AM
    • 5,594 Posts
    • 39,046 Thanks
    CathT
    Take it easy today. You will be shattered later.
    June 2018 -
    part 1 - £77,571
    part 2 - £45,272
    Total - £122,843
    • themadvix
    • By themadvix 10th Mar 18, 1:30 PM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix

    Even though its an early start its really suiting me as I can achieve some money making before the day properly starts!
    Originally posted by earthgirl
    This is the sign of a true MFW addict!! What will you do with yourself next year, when the mortgage is gone?!

    Take care today - will you be able to nap later if you need one? And I hope you sleep better tonight (do you have any lavender oil?).
    OPs 2018 = £2090
    Moving savings = £636.46
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jun 2018: £92,000
    MFW2018 no. 38
    • earthgirl
    • By earthgirl 12th Mar 18, 12:37 PM
    • 2,043 Posts
    • 22,842 Thanks
    earthgirl
    I did have a nap in the afternoon as OH was home, but just enough to see me through and then I've been back to normal sleep since then. I don't have lavender oil no. I'm still looking for a way to recover from what feels like shock..like a car accident that repeats in your head and feels really deeply distressing.

    Had a lovely cheap weekend in the end! Visited friend on Saturday and I made crispier cakes instead of buying something to take. Went out for tea at mil on Saturday, then fil paid for our Mother's Day Sunday lunch.

    I had presents to give out for various birthdays but they came from store.

    Another amazing thing that happened was that We provisionally booked Christmas lunch at the restaurant we ate at yesterday. It'll cost about the same for us (everybody's paying their own) and what a whole lot of pressure it will reduce! It's my turn and it's about 20 people to cook for so for me it's just much better!!

    The boys first football matches were brilliant and they seemed to have a good time. Weight off my shoulders. I have had to buy ds1 some shin pads as they were sharing, but will both need on a Sunday. I used vouchers from shop and scan.

    Because i was exhausted last night and we still have people staying I didn't do my nighttime routine and it was bedlam this morning!!
    Last edited by earthgirl; 12-03-2018 at 12:39 PM.
    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 )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • themadvix
    • By themadvix 13th Mar 18, 11:31 AM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Glad you managed to catch up on sleep, but that doesn't sound like a good thing to be coping with. Maybe Karma might have some suggestions for what might help with that? Otherwise, you might find something on the NHS website? CBT maybe?

    Sounds like a good weekend on the whole though, and great that the boys enjoyed football! The Christmas meal definitely sounds like a sensible option
    OPs 2018 = £2090
    Moving savings = £636.46
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jun 2018: £92,000
    MFW2018 no. 38
    • earthgirl
    • By earthgirl 13th Mar 18, 4:14 PM
    • 2,043 Posts
    • 22,842 Thanks
    earthgirl
    I found an app called cbt-I made for us war veterans. Obviously there is no way my social work type problems equate to anything that a soldier may experience, but the CBT and the sleep ideas are brilliant.

    Anyway that's why I'm here, I've scheduled worry time

    I made a mistake at work today and I owned up and apologised straight away. I'm annoyed at myself as I didn't spot it and stop it happening. In my defense I am only human and I can't remember everything. It doesn't matter and people will forget I made a mistake. Eventually!

    I need to have a clearer head st work and get more done outside work do I can concentrate more.
    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 )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • Karmacat
    • By Karmacat 13th Mar 18, 5:35 PM
    • 29,312 Posts
    • 167,876 Thanks
    Karmacat
    Glad you managed to catch up on sleep, but that doesn't sound like a good thing to be coping with. Maybe Karma might have some suggestions for what might help with that? Otherwise, you might find something on the NHS website? CBT maybe?
    Originally posted by themadvix
    Yikes! Sleep is an issue for me too

    I found an app called cbt-I made for us war veterans. Obviously there is no way my social work type problems equate to anything that a soldier may experience, but the CBT and the sleep ideas are brilliant.
    Originally posted by earthgirl
    Thats a good idea - its the same principles, after all.

    Anyway that's why I'm here, I've scheduled worry time
    Erm, sounds good, I think!

    I made a mistake at work today and I owned up and apologised straight away. I'm annoyed at myself as I didn't spot it and stop it happening. In my defense I am only human and I can't remember everything. It doesn't matter and people will forget I made a mistake. Eventually!

    I need to have a clearer head st work and get more done outside work do I can concentrate more.
    Dealing with it as soon as you find it is absolutely the best path, you're right. But I don't think you're hearing *yourself* when you say you're only human and can't remember everything. Because thats true! It really is! You can't work every moment of every day, and its probably a good idea to not only schedule worry time, but schedule down time/relaxation time too
    Retired August 2016
    • earthgirl
    • By earthgirl 14th Mar 18, 7:21 AM
    • 2,043 Posts
    • 22,842 Thanks
    earthgirl
    Ooo thanks for the advice and the kiss! Cheered me up! You are right I don't listen to my own advice sometimes!

    Scheduled worry time seems to work gif me as I get it out of the way got 5 mins. When my mind wants to return to it later at bed time I just keep telling myself I've dealt with it and do some relaxation exercises.

    The app also suggests a reoccuring bed and wake time so I'll have a go st that too.

    So far so good!
    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 )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 16th Mar 18, 10:59 AM
    • 2,043 Posts
    • 22,842 Thanks
    earthgirl
    Hello things all going well here.
    Sleep is good although a plumbing problem kept me awake s big last night.
    Need to get back into exercising. Diet going well.

    Money
    I've decided to update my spreadsheet on the 27th if each month to give me a clear picture if our finances. Oh feels he can't contribute this month. Shopping was a reasonable £32 which evens out for last week to about £40 which is what I am trying to achieve.

    Lots of work todo on ohs business this weekend so he is doing more cooking and childcare this weekend for me.

    Money in, have a two night bnb guest then a lodger. Lodger has visited and paid a deposit so that will be a good amount of extra money coming in from that. I also have two regular tutoring per week and extra work on Saturday and Sunday mornings. Looking forward to updating our totals on the 27th but know well be down this month with ohs business not contributing.

    Still focused on a super holiday and no mortgage by end of December though!!
    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 )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 16th Mar 18, 6:35 PM
    • 7,392 Posts
    • 55,666 Thanks
    apple muncher
    Very good news about the lodger!
    NST June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20; WLOSW /10

    Mortgage £21,033 (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 17th Mar 18, 10:51 AM
    • 2,043 Posts
    • 22,842 Thanks
    earthgirl
    Thanks. Bnb guests are nice apparently (oh met them).
    My extra job this morning went well and at full pay (if I don't get a client I get half pay, but was full today).

    £3 spent taking ds1 to football class this morning, we were taking a friend and bringing him back for a play date .

    Whilst they are playing nicely I'll get on with my todo list:

    - finish cleaning
    - shop and scan
    - work on ohs business

    Sunday
    -extra work
    -boys to football
    - make lunches for the week
    - mor work on ohs business
    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 )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • beanielou
    • By beanielou 17th Mar 18, 7:02 PM
    • 55,063 Posts
    • 220,048 Thanks
    beanielou
    Good news on lodger.
    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.
    • earthgirl
    • By earthgirl 18th Mar 18, 10:31 AM
    • 2,043 Posts
    • 22,842 Thanks
    earthgirl
    Had a lovely mse day yesterday. Working early in the morning suits me, I just feel like I've earned a bit extra and anything more I do I view as a bonus!

    Went with a friends pass to a soft play for free in the afternoon. Oh come home early from golf and he cooked (erm orders a takeaway but he paid out of his own cash). We opened a bottle of wine and had a lovely relaxing time. Not totally mse but much cheaper than going out and so nice.

    We chatted and I think he is convinced about doing a bit of "travelling" ie going on holiday- at Christmas again. Not sure where. It's a balance between living and loving the everyday, every weekend and school holiday, and also saving enough to have some good big adventures.

    I'm determined to save/make enough for us to do something fab at Christmas or Easter next year, as well as loving the everyday and weekends and holidays.

    To do this I need to watch every penny feeling really motivated!! Some people ask me what I'd do when mortgage free, and travel would be top of my list.

    So I need to:
    Earn more - do more surveys, mshops maybe do some overtime on second job, keep up trying to get new tutees, sell stuff, work on ohs business with vigour! (I tend to leave this till last..)

    Save- don't buy anything, use vouchers and ms for presents and dates, keep grocery spends low, don't splurge on children (has felt like a weakness in past), try to reduce household spends such as heating, petrol.
    Last edited by earthgirl; 18-03-2018 at 10:59 AM.
    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 )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • WannabeFree
    • By WannabeFree 19th Mar 18, 9:34 PM
    • 1,627 Posts
    • 14,200 Thanks
    WannabeFree
    Your plans always sound amazing, I have no doubt you will reach your goals.

    Remember to still take 'you' time though

    x
    ďOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.Ē
    • earthgirl
    • By earthgirl 21st Mar 18, 11:15 AM
    • 2,043 Posts
    • 22,842 Thanks
    earthgirl
    My motivation is continuing but as always there are a few ups and downs long the way. The lodger has arrived and paid for 2 weeks until the end of the financial year. He is a bit more demanding than the last lodger. He has said that he wants a way to heat the room all the time (not just when the heating is on a timer) and also he said that he wants a tv. We didnít advertise it as with a tv, and I told him there wasnít one, we donít have an aerial point there so OH is going to look into other options. We have been paid £200 for 2 weeks, and spent £60 on an electric radiator. I just hope he is not having the radiator on all the time! Still, he is only here Mon Ė Fri. Iím hoping things will settle down and in summer he wonít need too much heating anyway.
    Iíve been sleeping on a matrass on the floor in the kidís room, as I donít like them to be physically alone in a room when the lodger is in the house, but Iím now looking at using phones as security cameras with alerts. This way I will get a text message if there is a motion alert near the childrenís rooms.
    It seems there is an app for everything!
    Iím going to move a chair into ds1s room which has a view of the corridor, and work there on a morning on OHs business. Iím sure Iíll start to feel more relaxed soon.
    Health
    I have been exercising. Eating has been rubbish due to a ms and people bringing biscuits and cakes into work (although itís totally my fault, I need to say no!) Iím going to try and get out to do more exercise and focus on improving my eating. Iím also going to look at ways to strengthen my back, and improve my posture Ė Iíd like to be free of back pain so I can exercise without worrying.
    Wealth
    I have been given 4 days of work in the Easter hols at lunch club. I make about £30 per day, and my kids can come and we all get fed. Other than this, Iím trying to be frugal and plan ahead Ė Iíve bought my nieces birthday present with vouchers from schop and scan. Grocery shop reduced by making a veg filled pasta sauce and blending it down before serving Ė kids loved it topped with cheese, got some hidden veg into it, so a win-win.
    I did one ms yesterday but not getting so many of them. Doing more surveys.
    Life well lived
    I have invited 4 or 5 kids for a playdate at the weekend at different times. Iím hoping they will just get on with it, and I can clean the lodgerís room and get veg seeds sown. Hoping to get us all a bit of fresh air, socialising and exercise at the weekend. A tutee also reminded me about the great museums in the area that we havenít visited for a while Ė Iím hoping I have the energy for a trip on Sunday afternoon.
    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 )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 21st Mar 18, 11:18 AM
    • 2,043 Posts
    • 22,842 Thanks
    earthgirl
    Your plans always sound amazing, I have no doubt you will reach your goals.

    Remember to still take 'you' time though

    x
    Originally posted by WannabeFree
    Thanks wannabe - need to step off the treadmill sometimes! (Takeaway and a bottle of wine at the weekend was nice, but full of calories)
    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 )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • edinburgher
    • By edinburgher 21st Mar 18, 11:54 AM
    • 11,148 Posts
    • 59,856 Thanks
    edinburgher
    Panic for just a moment re. demanding lodger and assume they leave a 2kw heater on for 24 hours a day, 5 days a week. That's still only £20 or so

    I assume the rent will help to defray that?
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