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
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 5,159Posts
    • 37,396Thanks
    apple muncher
    Apple muncher's number crunching
    • #1
    • 19th Nov 13, 5:07 PM
    Apple muncher's number crunching 19th Nov 13 at 5:07 PM
    Time for me to start a diary .

    I work 2 days a week, dd is at school and dh was made redundant in the summer. We are living carefully, although the redundancy money is being nibbled away at of course. We are fortunate to have no debts other than the mortgage, so I would like to get rid of it! We'd also like to have a savings buffer - about 6 months' worth seems to be the rule of thumb.

    So, to the numbers:
    Mortgage £77, 051.99
    Offset savings £13,768.73 (£10,000 belongs to my mum and will be used to extend her lease in about 12 months' time)
    Interest therefore charged on £63,283.26
    Interest pcm about £78 (shame on me, not knowing the %!)

    At the moment we are only paying £100 to the mortgage, and any leftovers at then end of the month are going into the savings.

    I joined the 52 week money saving thread where you put away £1 on week 1, £2 in week 2, etc. But I started the other end with £52 first and have been paying it off the capital, so that's having tiny nibbles taken out of it.

    Where would I like to be in 12 months' time? Oooh, tricky! Realistically, I reckon we could maybe, hopefully, possible save £4000. I'd like to get our part of the savings up to £6000, so save £2,232. And I'd also like to knock some off the capital, so £1,768. Hmm, not v much then! Hey ho, every little helps...!

    There is a vague possibility that I may have 4 days work for 2 terms. This won't double my income, as I've used up all my tax benefits already, but it's not to be sneezed at! And if dh is able to find a job, than all the better! And I'll definitely have to revise my goal! But I'll not be complaining at that!

    However, if dh cannot find employment and I don't get extra work, then we will have to seriously batten down the hatches, as the mortgage has 9 years and 9 months to run.

    I've joined the NOvember challenge with Ninjasavingkat, which is super helpful, useful, motivating and challenging. Love it!
    Last edited by apple muncher; 19-11-2013 at 5:10 PM. Reason: Can't add up!
    NST Sept #8; 2016 Pay off: £1975/£3980
    2016 sell 276.25/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
Page 135
    • smallholdingsister
    • By smallholdingsister 17th Sep 16, 7:26 AM
    • 2,370 Posts
    • 18,568 Thanks
    smallholdingsister
    15 years! What an achievement. Hope you have a calm weekend xxx
    • Watty1
    • By Watty1 17th Sep 16, 4:35 PM
    • 2,291 Posts
    • 16,478 Thanks
    Watty1
    Phew what a lot you have to deal with right now. Congratulations on the 15 years and sending love and light for the rest
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0

    Jan 2016 Started saving to clear next mortgage, Target: £50,000 Total saved so far: £11400
    • apple muncher
    • By apple muncher 18th Sep 16, 8:12 AM
    • 5,159 Posts
    • 37,396 Thanks
    apple muncher
    Lots of tears from dd yesterday, she was really struggling - grandad, school, missing me when I am away, overtired... I just put her to bed with us, but the sobbing continued until 10pm, poor mite. It is so hard to know what to do with her and for her. I shed so many tears myself yesterday, I had nothing left to give to her.

    Dh has just left to catch the bus to church; we shall join him in the car later.

    I have been given 3 prioritised tasks to do this week, by a friend I talked to yesterday:
    1 the poa
    2 read some paperwork to get the exact wording clear in my head
    3 get probate moving
    (4 organise a washing machine for mum's now we have measurements and lovelyneighbour has given dates she can sit in for it for us for delivery and fitting)

    I would also like to:
    1 go through dd's brownie book and choose some badges to do
    2 do a cut back in the garden, and take the cuttings to the tip instead of leaving them lying around

    I said 'this week' but seeing as I go away again on weds pm/thurs am, it should say 'the next 3 days'.
    NST Sept #8; 2016 Pay off: £1975/£3980
    2016 sell 276.25/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • greent
    • By greent 18th Sep 16, 9:20 AM
    • 5,032 Posts
    • 50,160 Thanks
    greent
    I think that tears sometimes come even more after the initial shock/ having to deal with the stuff straight off (complicated even more in your case by your mum's op) and we can start to process it - the first tears are almost in shock and pain, later tears are deeper grief and sorrow at the knowledge it's real. (clumsy words here, but I hope you understand what I'm attempting to say) You are not just dealing with the death of one parent, but the knowledge that life is changing for the other - the poa requirement shows that. Add to that it coinciding with a new school year and everything else and it's no wonder you felt you had nothing to give.

    With regards to probate, are you and your sister dealing with it yourselves? It's not *too* bad to do, but you do need a clear head - and a clear table for the paperwork! Would also agree poa is ahead of probate in the list. And - more importantly - some re-charge time for you - maybe a walk followed by a hot chocolate or something. Good for thinking time too.

    Sending thoughts and love your way

    xx
    Repaid mortgage early (originally 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Net sales in 2016 £505.32/£500
    Sept grocery spends ??/ £350 NSDs 7/7
    • apple muncher
    • By apple muncher 19th Sep 16, 9:07 PM
    • 5,159 Posts
    • 37,396 Thanks
    apple muncher
    Greent -a friend is helping us do the probate stuff. Dh has written some of the letters - as I've been unable to face them - and dsis is leaving it up to us to do, as she has her hands full with mum and her appointments, etc. As you say, probate can wait.

    I rang the poa solicitor today to find she is on annual leave, so that is on hold for a week now.

    Dd had a very shaky start to her day, crying and sobbing 'please don't send me to school, mummy'. Very hard! However, go she did and she ended up having a relatively good day.

    Once again, I have been told to make dd and dh my priority, and to stick to dd like glue when I am here. I have also been told that dsis spending up to 12 hours a day with mum is her choice, she is a grown up and it is up to her, which I hadn't really considered before.

    Dd chose to come to my physio appt with me, which was good company.

    Dsis rang this morning and asked after dd, so I gave the honest version, and how I feel torn. She then told me (big bossy sister !) not to go to mum for so long, as mum is in a safe place. So instead of the original plan of weds to sun, I shall now do Fri morning to sat night. And I feel much lighter for having decided that.

    Sold some doll clothes on gumt for £8 - I was going to ch shop them, but dd wanted me to try. I'm glad I did.
    NST Sept #8; 2016 Pay off: £1975/£3980
    2016 sell 276.25/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • greent
    • By greent 20th Sep 16, 10:26 AM
    • 5,032 Posts
    • 50,160 Thanks
    greent
    Your sister sounds like a wise woman

    xx
    Repaid mortgage early (originally 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Net sales in 2016 £505.32/£500
    Sept grocery spends ??/ £350 NSDs 7/7
    • apple muncher
    • By apple muncher 20th Sep 16, 8:24 PM
    • 5,159 Posts
    • 37,396 Thanks
    apple muncher
    Took myself off for a wander around some ch shops today. Found myself a beautiful leather shoulder bag (for cmas, of course) for £5, 2 blouses + a hoodie for mum £7.50, 3 books + a wizard set for dd (cmas) for £3.50. It felt like I was spending an awful lot of money, especially as £14.50 was in just one shop... But it is all good stuff. Oyster now do 2 bus journeys for the price of 1 if made within an hour, and I just made it, so felt very smug on the bus home.

    My decision to follow Primal Blueprint lifestyle lasted, ooooh, 4 days. Rather pathetic. In those 4 days I did lose 3 lbs, which have all re-appeared now I am eating rubbish again. I think I need to read some PB stuff every morning, and reaffirm my decision for that day.

    Dh is doing his extra hours at dd's school, so that will be nice when the pennies arrive. And dd's head, who I know quite well, said that I could go in to school anytime if I wanted to, to take my mind off things, which is v kind.

    I have finished HPotter book 7. Boy have I found the last 2 books v emotional.
    NST Sept #8; 2016 Pay off: £1975/£3980
    2016 sell 276.25/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 21st Sep 16, 6:57 AM
    • 5,159 Posts
    • 37,396 Thanks
    apple muncher
    Today:
    -school runs
    -send parcel
    -sainz - crumpets, coconut oil + receipt points
    -aldi - bread for dh
    -shoulder exercises
    -washing
    -exercise
    -follow PB principles and then rate my day
    NST Sept #8; 2016 Pay off: £1975/£3980
    2016 sell 276.25/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 21st Sep 16, 2:58 PM
    • 5,159 Posts
    • 37,396 Thanks
    apple muncher
    This morning a mum asked me for one of my bunnies. Yippee. She also mentioned another school's cmas fair and asked if I would share a table with her (she makes jewellery). It is the same day as dd's school fair, which I had decided not to do due to dire takings previously but which dd still wants me to do. Hmm. Dilemma... It would cost me 15 instead of 20 and is a private school, so potentially richer clientele...

    Have done most of my list, but today is simply an anxious and overwhelming day.

    Off to collect dd and take her to the dentist.

    Eating is going well - no grains or sugars thus far...
    NST Sept #8; 2016 Pay off: £1975/£3980
    2016 sell 276.25/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 21st Sep 16, 9:23 PM
    • 5,159 Posts
    • 37,396 Thanks
    apple muncher
    How would I rate today?

    Eat 7/10
    Move 10/10
    Play 6/10
    Brain 6/10
    Sunlight 7/10
    NST Sept #8; 2016 Pay off: £1975/£3980
    2016 sell 276.25/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 22nd Sep 16, 8:27 PM
    • 5,159 Posts
    • 37,396 Thanks
    apple muncher
    Eat 6/10
    Move 4/10
    Play 8/10
    Brain 7/10
    Sunlight 4/10

    Dd was off school today, with a cold. She is supposed to be going in tomorrow, but we'll see how the night goes. I have my 3 or 4 contingency plans...
    NST Sept #8; 2016 Pay off: £1975/£3980
    2016 sell 276.25/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 23rd Sep 16, 8:34 PM
    • 5,159 Posts
    • 37,396 Thanks
    apple muncher
    Eat 6/10
    Move 10/10
    Play 7/10
    Brain 6/10
    Sunlight 7/10
    NST Sept #8; 2016 Pay off: £1975/£3980
    2016 sell 276.25/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 23rd Sep 16, 9:28 PM
    • 1,925 Posts
    • 15,602 Thanks
    earthgirl
    Hi Apple, keep on keeping on. You are doing great!
    15/5/12 Paid off Mortgage 1 (£220k)
    Dec 13 - £116,508 Bought Dream House
    Dec 14 - £94, 402 (£22,106 offset in 2014)
    Jan 16 - £67, 852 (£26,550 offset in 2015)
    Sept 16 - £51,174
    Kids savings 11.8/36k
    • Pearla*Merle
    • By Pearla*Merle 23rd Sep 16, 10:03 PM
    • 1,483 Posts
    • 8,556 Thanks
    Pearla*Merle
    Sending some love your way, Apple xx

    Sorry I've not had a chance to write much lately, I kept thinking I'd grab a moment to write a proper reply but it hasn't happened yet! Thinking of you muchly though and glad to hear you've been able to take some time off work. Hope the days are easing up a bit now xx
    a penny picker upper. every penny's a prisoner!
    £26.65 til OnePoll payout! Round six! | Save £1,001/£15,000
    Normality is a paved road; it's comfortable to walk, but no flowers grow on it.
    Whatever you're meant to do, do it now. The conditions are always impossible.
    The only thing you absolutely have to know, is the location of the library.
    • apple muncher
    • By apple muncher 24th Sep 16, 8:03 AM
    • 5,159 Posts
    • 37,396 Thanks
    apple muncher
    Both the OT an the ward nurse told bigsis to reduce the amount of time she spends there with mum, as mum needs to get used to not having someone there all the time. Indeed. And for me, it takes away the pressure to 'do what my sister does' and spend so long there. I left at 6 yesterday, instead of 8.30. Today I am leaving at 2.30 to head home.

    It is still all rather overwhelming though! Big sis is here, getting so much achieved, and I feel like I am home, not achieving because it is all too much. I will keep on keeping on, one day at a time.
    NST Sept #8; 2016 Pay off: £1975/£3980
    2016 sell 276.25/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 25th Sep 16, 10:18 AM
    • 5,159 Posts
    • 37,396 Thanks
    apple muncher
    Having taken over 4 and a half hours to get home, I thought I was going to have to go straight out to take dd to hospital. Covered in a rash that was widespread and raised and red, I was rather panicky. Dh was better - he gave her some piriton and ran a cool bath. Then researched it and came up with hives. The bath and meds helped and within an hour or so, it had subsided a fair amount. More piriton before bed, and she slept well.

    This morning, she has opted out of church, a wise idea in my opinion. She has had toast with butter for breakfast and more piriton. The hives are more evident on her bottom half and practically gone on her top half. I don't know if her legs were like that before the toast or not.

    We can only think they were caused by a changed recipe in the pizza base dh used as a v late lunch for her, as all her other foods are ones she has had recently with no such reaction.

    It has been rather scary, especially as my first thought was meningitis!
    NST Sept #8; 2016 Pay off: £1975/£3980
    2016 sell 276.25/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 25th Sep 16, 12:51 PM
    • 2,370 Posts
    • 18,568 Thanks
    smallholdingsister
    Doing well, Apple. Hope DD'S Rash subsides.x
    • greent
    • By greent 25th Sep 16, 12:56 PM
    • 5,032 Posts
    • 50,160 Thanks
    greent
    Hope DD is better soon - I never like strange rashes

    xx
    Repaid mortgage early (originally 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Net sales in 2016 £505.32/£500
    Sept grocery spends ??/ £350 NSDs 7/7
    • apple muncher
    • By apple muncher 25th Sep 16, 5:32 PM
    • 5,159 Posts
    • 37,396 Thanks
    apple muncher
    Dd is improving, but has been wiped out by the reaction. I shall keep her off tomorrow. I have a dr appt myself, so will call for an urgent one for her once they open at 8.

    She cried again today - because of not being able to eat... cheese. Worse than not eating chocolate, she says.

    She has agreed to do a month of strict dairyfreeness, and I said that I shall do it with her, which she appreciated. She told me that when I'm not with her, then I can eat dairy, bless her.

    In mse news, I have a cheque from v1rg1n train people giving a £14 refund for a late train. Although you do have to apply for it, we didn't expect a result (and the lateness was due to a signalling prob before I got on the train, coupled with going down the line where the 'landslide' had occurred that morning). That'll go off the mortgage.

    We have nearly survived September, with reduced income. Frivolous spending has been small. More has been spent on food, seeking items dd can have, and that will continue for now.

    NSDs have been few since I was signed off, as that enabled me to seek out items for dd.

    I have read all 8 Potter books.
    NST Sept #8; 2016 Pay off: £1975/£3980
    2016 sell 276.25/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • greent
    • By greent 25th Sep 16, 8:19 PM
    • 5,032 Posts
    • 50,160 Thanks
    greent
    I think NSDs being lost to finding food for DD is totally acceptable! Plus if budgets are met it's not an issue in reality

    Well done on the refund

    x
    Repaid mortgage early (originally 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Net sales in 2016 £505.32/£500
    Sept grocery spends ??/ £350 NSDs 7/7
Welcome to our new Forum!

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

Forum Team Contact us

Live Stats

3,879Posts Today

6,935Users online

Martin's Twitter
  • Today's twitter poll: What proportion of your usual monthly spending do you do in cash (ie not plastic, bank transfer, cheque etc)

  • RT @GemmaRobyn: @MartinSLewis my parents earned +£50k but it didn't mean they could afford to help. I worked 2 jobs at uni to get by. Why b?

  • RT @JackieMutlow: @MartinSLewis @GMB Daughters loans not enough we pay 2 months rent a year (2x £410) AND £250 a month for food, train etc?

  • Follow Martin