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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 5,295Posts
    • 38,564Thanks
    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 Dec #15; NSD 1; 2016 Pay off: £3201/£3980 (80.4%)
    2016 sell 386.75/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
Page 137
    • Watty1
    • By Watty1 5th Oct 16, 9:10 AM
    • 2,486 Posts
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    Watty1
    Thanks for that link - you motivated me to sit and read it. Really interesting as yes we have an enduring but as it was so long ago goodness knows what we did and how so will dig out paperwork and have a look. Mr Watty's dad agreed a long time ago for the 'in case' scenario and we've had to use it a lot over the last 8 or so years.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • apple muncher
    • By apple muncher 12th Oct 16, 7:14 AM
    • 5,295 Posts
    • 38,564 Thanks
    apple muncher
    Hmm. Often having trouble getting to sleep at the moment. After my last visit to mum, my balance/ear issues got much worse, and looking up and down, turning my head, or laying down made me feel nauseous. It has been on and off like this for about 3 weeks somaybe, just maybe, I should getit checked out...

    Headspace was useful - did the 10 day trial. I have asked dh to sign me up for a year (hs offered 2 months free when signing up for a year; dh found a 25% off deal - thanks greent- thus garnering 3months off thesame). I've not done it for nearly a weekand do feel the lack.

    Eating 'properly' has been hit andmiss and I have, on several occasions, simply stuffedmyself withnon-food rubbish, which does not help my mood.

    I have done several days of lonnng walks, getting over 22k steps twice! Some days, it is relaxing and others, it is a chore as I have 'jobs to do'.

    A holistic approach is the only way to do it.


    I have my annual blood test today, and have made an appointment for 9 days' time to seemy dr about a) theresults and b) if I still need time off. (One of thethoughts I had last night was where to go at work if I needed a good cry - not something one should be planning...) By the time ofmy appt, we should know if the cancer has spread - all delayedby 3 weeks - and ifmum is at her house yet.

    This week is dh's last week of 4 doing the stand-in daytime caretaker's job and the evening lock-up. He will be happy to have time again, although the money will be useful.

    The mortgage is still slowly going down. We are not spending much money on 'stuff', the car is hardly being used so the latest tankful is lasting ages.

    Sorry for the blethering. Thinking straight is like wading through treacle with lead boots on.
    NST Dec #15; NSD 1; 2016 Pay off: £3201/£3980 (80.4%)
    2016 sell 386.75/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 12th Oct 16, 9:33 PM
    • 5,295 Posts
    • 38,564 Thanks
    apple muncher
    Oh bum. Dh has just heard that his father has died. They have been estranged for many a decade, he wasn't invited to our wedding, but it is still gut-wrenching news. He has managed to get hold of his brother and sister, which is good. I repeat, oh bum.
    NST Dec #15; NSD 1; 2016 Pay off: £3201/£3980 (80.4%)
    2016 sell 386.75/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • Watty1
    • By Watty1 13th Oct 16, 9:01 AM
    • 2,486 Posts
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    Watty1
    So sorry to read news. I do understand as haven't heard from my own father in years and I did wonder if he was ok the other day. Such a difficult time.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • greent
    • By greent 13th Oct 16, 9:26 PM
    • 5,192 Posts
    • 52,293 Thanks
    greent
    Sorry to hear the news. I was estranged form mine when he died - doesn't make it easy to deal with

    So sorry the apple family is having such a rough time recently 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £772.06/£500
    Dec grocery spends £0/ £480 NSDs 2/12
    • apple muncher
    • By apple muncher 15th Oct 16, 8:13 PM
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    • 38,564 Thanks
    apple muncher
    Thank you watty and greent. Dh seems quite pragmatic about the whole thing.

    Elsewhere, where are we up to?

    Dd had a great parents evening . She had Friday off - a nasty cough and cold caught up with her, but she is mending well.

    Dh's eye op doesn't seem to have had the hoped-for success, bringing down the eye pressure. I don't think he expected it to work! Now his caretaking work is back to minimum, he can do more computery stuff, which he enjoys.

    I am going up to mum's on Monday for a couple of days, the results of thr CT scan are on tues, and big sis has asked me to be there. We have already decided against any radiotherapy (they would need a bloomin good set of arguments to change our stance) as it is 10 consecutive days (I think) in a hospital many miles away, and would wipe mum out. Why put her through that? Once those results are in, I can narrow down the possible residential places we may need to visit, as although mum is going 'home' onMon (doesn't remember the place, thinks we all grew up there...), we are not convinced that it will work out successfully for too long.

    We continue to pay bits off the mortgage and the EF is still intact. We are spending very little outside of bills and food, and travel, but dd is not going without! I confess to buying a year's subscription to Headspace and dh wants a fitbit or suchlike for Christmas.

    Once again, enough blethering.
    NST Dec #15; NSD 1; 2016 Pay off: £3201/£3980 (80.4%)
    2016 sell 386.75/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • muddywhitechicken
    • By muddywhitechicken 15th Oct 16, 9:00 PM
    • 3,543 Posts
    • 32,667 Thanks
    muddywhitechicken
    Just caught up on your diary apple - blimey you & your family are having a rough time at the moment

    Dodgy hugs from me to you

    MWCx
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£54,000
    Current total overpayments: £104,225
    • apple muncher
    • By apple muncher 17th Oct 16, 7:44 AM
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    • 38,564 Thanks
    apple muncher
    Thank you MWC. All hugs gratefully accepted.

    I am off to bham this morning as big sis is bringing mum home today. We get the scan results tomorrow and sis wanted me there - 2 pairs of ears will retain more of the info.

    I do need to have a LBM re my eating habits. A few consecutive days of a second coffee coupled with poor food choices (aka stuffing my face with rubbish in between meals) have resulted in aching hands and hurting feet. I am a plonker!
    NST Dec #15; NSD 1; 2016 Pay off: £3201/£3980 (80.4%)
    2016 sell 386.75/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 20th Oct 16, 8:20 PM
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    • 38,564 Thanks
    apple muncher
    So, we have the results of the CT scan: the cancer has not spread, although it was v deep towards the back of the chest cavity and leaves a few seedlings. Chemo is ruled out. Tablets that stop oestrogen getting to the remaining seedlings are being taken. Radiotherapy is going ahead but we can cancel proceedings before we start. I am still against the radio treatment as I reckon the distress to mum far outweighs the benefits. Big sis isn't so sure, as she wants the remaining cancerous cells killed off once and for all, not being left with a 30% chance of regrowth. The jury is still out for now.

    Mum's memory is much worse. I'll not go into the details, but she will never be 'mum' again. She really needs care 24/7 and is lost and afraid. Very sad.

    Dh has decided not to attend his dad's funeral, which means that we can crack on with clearing my dad's house. Whether we have one of us doing a gazillion tip trips or hire a small skip remains undecided. I know we already have about 30 sacks of papers and 15+ of rags. Just how many sacks can be fitted into a golf, assuming only the driver is in it???

    A downstairs radiator has decided to leak on us. Sigh. So we are draining the system. Sigh. We have a new valve already for it, but dh is toying with replacing the radiator. Eek! Just as the wind starts coming from the north...

    I see my GP tomorrow for blood results and a review of my being off work. A week ago I was making plans of how to do a phased return; but after visiting mum, I have gone backwards and anxious again.

    Not a cheery or cheering update. Respect to any who read to the end! And it helps me to realise that I am still able to summarise the situation.
    NST Dec #15; NSD 1; 2016 Pay off: £3201/£3980 (80.4%)
    2016 sell 386.75/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • rasputin_thorpedo
    • By rasputin_thorpedo 20th Oct 16, 8:53 PM
    • 323 Posts
    • 1,882 Thanks
    rasputin_thorpedo
    Well done, even writing that down must be difficult. Keep us updated, the community will support you, and talk to us when you need to.

    MvM x
    May15 Mortgage - £185k | Dec16 - £162k | Dec17 - £142k | Dec18 - £120k | Dec19 - £97k | Dec20 - £73k | Dec21 - £46k | Dec22 - 18k | May23 - £0 Mortgage Free at 40 in May23!
    • Watty1
    • By Watty1 21st Oct 16, 10:17 AM
    • 2,486 Posts
    • 17,584 Thanks
    Watty1
    Well done for writing it down. Hang in there. Rooting for you x
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Pearla*Merle
    • By Pearla*Merle 21st Oct 16, 8:28 PM
    • 1,515 Posts
    • 8,776 Thanks
    Pearla*Merle
    Thinking of you all lots, Apple & sending much love & hugs xxxxxx
    a penny picker upper. every penny's a prisoner!
    £26.65 til OnePoll payout! Round six! | Save £2950/£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 21st Oct 16, 9:50 PM
    • 5,295 Posts
    • 38,564 Thanks
    apple muncher
    Thank you MvM, Watty and pearla.

    I have had an incredibly sociable day! I met a friend/colleague for coffee and she bought me a bucketful of the stuff. She listened to my account of the last week, shared her personwl experience and was generally very good for me. I also walked the 3 miles to the rendez-vous point (but got the bus back!)

    Then dh and I walked down to our local harvester to meet some good friends,who are helping us with probate, money, cancer, care home stuff. A good meal and great company.

    Collected dd on the way back, dropped her home and went to my GP. My bloods are fine, my weird ear is fine, and what did I want as regards my return to work. I requested returning to half a day, adding another half day each week. So I have the paperwork saying that.

    Then I emailed my boss and requested a meeting next week, if possible. And the fact that I do not feel more anxious about it all implies tyat it is the right thing to do.

    Also had a long chat with bigsis, who may end up taking unpaid leave to look after mum - her own choice, but it does somehow reduce my own guilt at not doing what she is doing, as I know that I could not do what she does - it would destroy me! I told her that I am looking into how to choose a home, fund a home... she told me to also look at places near to her.

    Mum tells me it would be nice to see me face to face, as it has been quite a long time. Oooh, 2 whole days, mother!

    Planning next week's venture north: I really want bigsis to read Contented Dementia, so have told her that I expect her to do that as a priority, not help us clear the house. We'll see...
    NST Dec #15; NSD 1; 2016 Pay off: £3201/£3980 (80.4%)
    2016 sell 386.75/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • greent
    • By greent 21st Oct 16, 10:46 PM
    • 5,192 Posts
    • 52,293 Thanks
    greent
    Adding more hugs for you and yours, apple. 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £772.06/£500
    Dec grocery spends £0/ £480 NSDs 2/12
    • Watty1
    • By Watty1 22nd Oct 16, 9:43 AM
    • 2,486 Posts
    • 17,584 Thanks
    Watty1
    Sending hugs also. Great that sister is being so supportive. We all do what we can do in these situations. Your post has been strangely helpful. Mr Watty's brother does nothing re their dad and it drives me bonkers as we have renovated his house this summer (at expense to us) and dealt with his care plans etc etc etc and it has just seemed never ending. Brother has done nothing. It occurred to me for the first time reading your posts that he maybe just 'can't' and I should / could be more understanding. Humbling that. Thank you.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • apple muncher
    • By apple muncher 22nd Oct 16, 9:57 AM
    • 5,295 Posts
    • 38,564 Thanks
    apple muncher
    I am fortunate that big sis is doing what she can, and I am doing what I can. It has fallen into a fairly neat health/financial split where we are each doing what we are best at. (admittedly dh is doing the majority of 'my' stuff). She just lets me know what needs buying and I go online and get it sent there, as she knows what is needed but does not have the brain space left to actually buy it.

    We are a good partnership. And our EPA lets us make decisions both jointly and severally, which is the best way to have it.

    My dh is amazing; bigsis's dh cannot do anything. That is the way it is and cannot be changed. I consider myself the blessed one!

    Talking of being blessed, our friends yesterday brought along a card addressed to us via our church that they had noticed there. Inside was a beautiful copy of Psalm 23 and £30. Totally anonymous. How kind and generous is that!
    NST Dec #15; NSD 1; 2016 Pay off: £3201/£3980 (80.4%)
    2016 sell 386.75/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • greent
    • By greent 23rd Oct 16, 7:12 AM
    • 5,192 Posts
    • 52,293 Thanks
    greent
    There re some lovely people in the world apple - and I think some of them have noticed how lovely you and your family are 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £772.06/£500
    Dec grocery spends £0/ £480 NSDs 2/12
    • smallholdingsister
    • By smallholdingsister 23rd Oct 16, 7:47 AM
    • 2,503 Posts
    • 19,517 Thanks
    smallholdingsister
    Just caught up Apple. Sorry for your troubles and I hope going back half a day will help you to establish a new normal.xxx
    • apple muncher
    • By apple muncher 23rd Oct 16, 9:34 PM
    • 5,295 Posts
    • 38,564 Thanks
    apple muncher
    Have established contact with work and will return on 31st for the morning. That is y9, 10, 11. So I am happy with that. Will go and talk to head that day too.

    A good day together. Dd enjoyed kids klub and even won a prize; I got through church without spending half of it howling and sniffing; dh went to help with pa and wasn't needed.

    I have finally mowed the front and back, tidied the gubbins strewn around my side of the bed, sorted out some bits for the ch shop, arranged a playdate for tomorrow, done a wash and read a little.

    Mum rang, thinking she was calling big sis' number, then she rang big sis and was cross because one of us had gone out without telling her, and she was worried. Big sis had told her she was going, and was only gone for 30 mins. Without big sis, it would all fall apart for mum.
    NST Dec #15; NSD 1; 2016 Pay off: £3201/£3980 (80.4%)
    2016 sell 386.75/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 24th Oct 16, 3:11 PM
    • 5,295 Posts
    • 38,564 Thanks
    apple muncher
    Dd and I have had a good sort out of her clothes and now have a massive bag for the charity shop. She loves how clear her drawers are! We have also put away the massive pile of clean laundry that was threatening to engulf the spare room.

    I took her to her playdate and was planning on then nipping to sainz to get a few things big sis has requested. On the way to the bus stop, I suddenly could not cope with going, and didn't know what to do. So I simply came home. Dh was home soon after so he came with me to take some stuff to the tip. I have also started to work on clearing the table top that I have covered in piles. Ironic that I am going to my dad's house to clear as much of his gubbins as I can and my own house is full of stuff.

    It amazes me just how much the feeling of being overwhelmed immobilises me and makes me unable to make decisions.

    Dh has decided to go to his dad's funeral on Weds, so is busy arranging travel, flowers, etc.

    I shall collect dd in 45 mins, during which time I shall do some sewing - to reduce some of the pile on the table. Actually, that is all I shall commit to as it always takes longer than I anticipate.

    PS paid some more off my stretch target
    NST Dec #15; NSD 1; 2016 Pay off: £3201/£3980 (80.4%)
    2016 sell 386.75/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
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