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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 6,159Posts
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    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 SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
Page 150
    • earthgirl
    • By earthgirl 4th Mar 17, 9:47 AM
    • 2,351 Posts
    • 18,918 Thanks
    earthgirl
    Hope DD is ok. Getting loads done apple! That work out sounds hard core. I do a few lunges when I remember. Highly ineffective!
    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) Dec 16 - £33,529 ( £34,323offset in 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    June 17 £32,053
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 4th Mar 17, 12:51 PM
    • 6,159 Posts
    • 44,844 Thanks
    apple muncher
    Dd has a rotten cold, poor thing. She managed tap and freestyle but not ballet. Not having a car doesn't help when she is off colour. So she is now fed and dosed up, on her tablet getting rested before this afternoon's party.

    I am suffering from my workout! Every time I sit, it hurts. Every time I stand, it hurts. When I go up or down the stairs, it hurts! All self-inflicted, so no sympathy required.
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 4th Mar 17, 9:30 PM
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    apple muncher
    Poor dd did not enjoy the party. She was feeling rotten and everything bothered her, poor thing. So, is she asleep yet? Heck, no!
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 5th Mar 17, 12:25 PM
    • 6,159 Posts
    • 44,844 Thanks
    apple muncher
    Dd and I have skipped church. It was pelting down with rain and blowing about a lot, so I wasn't going to take her out in it for an hour just to get there. A day in seems to be doing her some good.

    I'm also under the weather, running a bit of a temperature. But I wanted to make the most of being at home so have made a gingery garlicky sweet potato soup and savoury oaty flapjack bites for me, and choc biscuits for dd. And done 3 lots of washing up and a wash too. Not too shabby.

    Paid some extra off the mortgage yesterday, which was a good feeling.
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • greent
    • By greent 5th Mar 17, 2:09 PM
    • 6,069 Posts
    • 61,344 Thanks
    greent
    Couple of nice refunds received there, apple

    Hope both you and DD feel better soon xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 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
    Next: BTL Mtge 12/16 £69786. 2017 OPs (#18) £4070/£3286
    Net sales 2017 £763.00/£500 PAYDOX17 £10787/£10k Decluttered 1284/2017 items
    • Pearla*Merle
    • By Pearla*Merle 6th Mar 17, 6:20 PM
    • 1,598 Posts
    • 9,335 Thanks
    Pearla*Merle
    Yay for the refunds

    Sounds like you're doing really well at the moment, Apple, given how full on everything is! Well done for carving out some time for calm & recuperation. Hoping both you & DD are back on the mend quick from this little viral blip xx
    a penny picker upper. every penny's a prisoner!
    £26.65 til OnePoll payout! Round six! | Save £7200/£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 6th Mar 17, 7:45 PM
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    apple muncher
    Thank you greent and pearla. Dd and I are slowly mending. She needs tissues to hand and I need to move my head s l o w l y, as I felt quite nauseous and off balance this morning.

    Tomorrow I am off to visit a solicitor to get some certified copies of dad's will and if I have time, I'll put the cheques in the bank. Then once they are cleared, off the mortgage they will go.

    I did finally look into the FD 5% saver, but you need a sole account with them to get it. I only have a joint acct, so can't apply.

    Current interest on the mortgage amounts to 1p per month. Not bad, eh?

    Off to read my book.
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 7th Mar 17, 9:30 PM
    • 6,159 Posts
    • 44,844 Thanks
    apple muncher
    So, certified copies of wills are apparently not necessary. We can just make copies, and ensure the original is super safe (ie don't let mum even get a sniff of it!).

    Cheques all paid in. 4 large avocados bought off the street trader for £3. They aren't ripe yet, so something to look forward to.

    16k steps done, even without my 'usual' run home. I didn't do it today because I needed to go to see the solicitor, and because I usually bring the stuff I leave at work on a tues home on a thurs. And this thurs, I have leave of absence as dd has an eye appointment at a distant hospital. If I'd gone to work, I would have been able to spend all of 20 mins there before having to leave to get dd!

    Got a decent chat in with big sis. Decent only in the sense that we were able to cover business stuff without interruption, but we were not able to do a proper catch up. However, it is an improvement on other calls. I am very grateful for mail and text communication.
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Pearla*Merle
    • By Pearla*Merle 7th Mar 17, 10:16 PM
    • 1,598 Posts
    • 9,335 Thanks
    Pearla*Merle
    1p interest is brilliant!
    a penny picker upper. every penny's a prisoner!
    £26.65 til OnePoll payout! Round six! | Save £7200/£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 8th Mar 17, 3:55 PM
    • 6,159 Posts
    • 44,844 Thanks
    apple muncher
    I totally forgotmy weekly summary...

    Week 10/12

    Health: good session with the counsellor; plenty of walking and moving; much reading and quiet thinking time.

    Wealth: 2 rebate/refund cheques totalling £200 - happy!; dh has enough to sort out his tax and then we can move the remainder around; no chanc of a 5% saver with FD for me, but now I know.

    Life well lived: finished bunnies, just have som flannel (washcloth) chicks and bunnies to make; reading, quiet times, stretches, headspace all happening well.

    Just 10 days left of this challenge... Will have to ponder another one...
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 8th Mar 17, 8:58 PM
    • 6,159 Posts
    • 44,844 Thanks
    apple muncher
    Got drenched on the way to the shops - it most definitely was not the forecast 0.2mm...

    Sainz had everything I wanted. £9 for 3 loaves of gf bread (yikes), £3.60 for gf chicken nuggets, £2.50 for vanilla swedish glace and £2.50 for gf df puff pastry. A lot of pennies for few items...

    Aldee also had what I wanted - cashew, brazil, walnut, 2x 85% choc bars and their raw fruit bars.

    Tomorrow, dd and I are off on an adventure - only to an eye hospital unfortunately, to get something the optician noticed checked out. The tram part of the journey alone takes us almost the whole length of the line. I am allowing 2 hours to get there. They say the appointment may take up to three hours, so I'd best pack a shopful of food for us plus things to do - especially if you have had drops in your eyes and your vision is blurry.

    Hmm, as it may be a late return, I'd better pack for mum's before we go...
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 9th Mar 17, 8:24 PM
    • 6,159 Posts
    • 44,844 Thanks
    apple muncher
    Off we trotted to the eye hosp and the whole expedition lasted 6 hours. Ooph. Basically, they can see the bit on dd's eye which is why the optician sent us on, but say it isn't affecting dd's vision. So, they have no idea what it is! We go back in 12 months. Already booked for 1st March 2018

    Dd was well fed up for most of the slog home, especially as we hit the rush. We got a seat to share for most of the tram journey, which helped improve her mood. We got off a stop early and walked home via the tree-lined path which was good for us both.

    Things are mostly ready for tomorrow's trip. Some was done this morning, and I don't want to do much more in front of dd, as it'll upset her. She'll prob not fall asleep before 9.30 (and I'll be snoring myself 5 mins later) so I'd best get up early and do it then. I want to drop off dd and go directly on to the tram stop, as road traffic is dire at that time of day.

    The rebate cheques have cleared, so I have already paid them off the mortgage.
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 10th Mar 17, 6:59 AM
    • 6,159 Posts
    • 44,844 Thanks
    apple muncher
    Dd slept in with us, so no one slept too well! She ws getting upset at me going away and it was the simplest way to keep her calm.

    Care home annuity plan thingy - if mum's income is x and the care fees are y, then it'll cost between 240k and 280k. However, if the care fees are 250 less pw, the plan drops to between 140k and 170k. A m a s s i v e difference!

    Still so much to consider - finding the right home with a vacancy, at the right price, would be good! The mri results come out on April 5th. Mum is going to visit our #1 choice next week, and if she likes it, (and they think it is right for her) then we'll get put on the waiting list.

    10 minutes to read, then get dd up...
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 10th Mar 17, 9:00 PM
    • 6,159 Posts
    • 44,844 Thanks
    apple muncher
    Had a super journey up. Caught the tram, then train #1, a very brisk 10 min walk indeed and a run down the platform to train#2, a meander to train #3, and a good 40min walk, arriving 40 mins earlier than anticipated.

    Caught up with big sis; found some ys gf rolls; found some jeans for £1.99; then walked to mum's. Thus far, the visit has been so far removed from my last one that it is almost unbelievable.

    Determined to do my best, I got mum chattering about her early teaching career so much that she needed a lie down! Then we worked on a jigsaw and a lovely friend came for tea.

    There have been very few tears, no obvious tetchiness, plenty of laughter. What a blessed relief!
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 10th Mar 17, 9:44 PM
    • 2,351 Posts
    • 18,918 Thanks
    earthgirl
    Wow Apple that sounds like a nice day with your mum, but a lot of rushing for you, hope you are OK and Trip goes well.
    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) Dec 16 - £33,529 ( £34,323offset in 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    June 17 £32,053
    Kids savings 13,578/36k
    • CathT
    • By CathT 11th Mar 17, 8:50 AM
    • 5,260 Posts
    • 36,052 Thanks
    CathT
    Worth that journey for some quality time. Are you just there for a few days?
    August 2017 -
    part 1 - £81,002
    part 2 - £46,583
    Total - £127,585
    • apple muncher
    • By apple muncher 11th Mar 17, 8:56 AM
    • 6,159 Posts
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    apple muncher
    Am here just until sunday this time.

    Today is setting itself up for being more of a roller coaster... But at least it isn't raining...yet!
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 11th Mar 17, 9:19 PM
    • 6,159 Posts
    • 44,844 Thanks
    apple muncher
    Indeed, a roller coaster. A good morning, then in the afternoon I managed to really upset mum and she walked out in tears. We did get it all sorted and by the time her friend came for tea, we were friends again. What horrifies me was just how furious I became, totally ignoring the FACT that it is the dementia that has made her this way. I hope that I have learned a very salutory lesson.

    I find it extremely difficult being away from dd (and dh, but to a much lesser extent ), yet here I am constantly reminded of how much big sis does and puts up with (from what I see myself, and from what other people tell me) - which makes me feel rotten that I don't do more to help her. I know that I simply cannot do more, without dd becoming very upset and distressed - and she is more precious to me than anything else. And there is my own (mental) health to consider.

    So, what if mum doesn't like the care home; what if she refuses to go there; what if they have a stupidly long waiting list; what if she/they 'fail' the probationary period...

    And we still have another 4 weeks for the results of the mri done on Jan 11th...
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 12th Mar 17, 6:43 AM
    • 3,173 Posts
    • 24,643 Thanks
    smallholdingsister
    Hugs Apple. How are you managing at work in all of this?
    • apple muncher
    • By apple muncher 12th Mar 17, 7:48 AM
    • 6,159 Posts
    • 44,844 Thanks
    apple muncher
    Thank you small. Work is just 'there'. I have a good set of groups this year and because they took the infant teaching off me (one of my conditions of returning to work) but were unable to reduce the amount of time I am at work by the same amount, I get 'extra' free periods. I'm not paid for them, mind, but it is extra time to get things done.

    I am in a lovely school - still there after 15 years - and being a veteran of the place helps.

    Best go and feed us. Mum was crying at 4.45, up at 5.45 and hasn't been back to sleep since. (Me neither...)
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
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