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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
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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 November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
Page 151
    • smallholdingsister
    • By smallholdingsister 12th Mar 17, 8:33 AM
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    smallholdingsister
    Glad work is OK. xxx
    • greent
    • By greent 12th Mar 17, 4:50 PM
    • 6,422 Posts
    • 64,839 Thanks
    greent
    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...
    Originally posted by apple muncher

    Don't be so hard on yourself, apple - you're dealing with a hard situation xx Your mental & physical health is of the utmost importance - if you're not in reasonable health then you won't be in a position to help your mum & sis at all - you have a different life to manage to your sister and you're both doing what you can - which is all anyone can, tbh.

    'What ifs....' - think of them if you must, work out a contingency plan to the worst case scenario - and then try and put the 'what if'-ing aside - it may all come to nothing (I know it's hard to do that, but it's conserving energy, if you can manage it)
    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) £5034/£3286
    Net sales 2017 £1221.45/£500 PAYDOX17 £11937/£10k Decluttered 1730/2017 items
    • apple muncher
    • By apple muncher 13th Mar 17, 9:34 PM
    • 6,528 Posts
    • 47,761 Thanks
    apple muncher
    Thank you.

    Another day, another dollar. The y9s were out on a trip, so although I had a cover to do, it was a good day.

    Ran a little bit of the way home and was home nice and early for a Mondsy. It also helps alleviate some of the stress.

    Got home to find dd playing with neighbour - they used to be best buddies then it went sour, but now seems to have been patched up.

    Tomorrow is dh's last day of extra caretaking, and he is glad it is nearly over. But it is also good to know he has earned some money...

    No contact from big sis today; but I have done some more home research. Didn't reach any earth-shattering conclusions though.

    Paid some more off the mortgage. Feel better about the target figure now.

    Nearly at the end of my 12 week plan. Need to get another one underway, not forgetting my Lenten one going on in the background.

    Have mulled over a few steps to take concerning the 'what if's I wrote. No definitive answers but vague thoughts are floating around in my mind.

    Hoping for some decent sleep. I'd dropped of for about 10 mins yesterday when dd appeared at my side at 10pm, unable to sleep. So I got her bedding and sorted her out in between us. She and dh then snored for the next 90 mins, when dh snuffled himself awake noisily. Quite a non-peaceful night, ending at 5.30 when dh got up. It made being at mum's look like a good night's sleep!
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 15th Mar 17, 2:54 PM
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    • 47,761 Thanks
    apple muncher
    We all had a really good night's sleep last night - phew. Dd really needs more so we'll aim early tonight.

    A good day off thus far: got a whites wash #1 done and hung up before the school run, then walked up and returned some library books, got the necessary gf shopping in Sainz, spent my £5 free money in icyland, then visited aldee. Dh joined me in icyland, so we could share the load home.

    Another whites wash got done - bedding this time, and then the lounge rug that always get things spilt on it as soon as it is cleaned and put back down. It is now draped over the climbing frame in the sun.

    I dragged the mower out of hibernation and have done the front and back. It is not perfect, but not bad for a first cut. (and that makes me well up, as I'd normally be talking to dad about when to do the first mow of the year...).

    I have made 8 washcloth bunnies complete with eyes and noses, for dd's Easter fair. I realised that I am going to mum-sit next weds for 5 days and then come back and have 2 days at work , 1 governor evening meeting, 1 brownies evening and then the next day is the fair. Yikes.

    And in the background, I have the recorded rugby matches playing.

    Dh is glad to have finished his extra caretaking. It really is exhausting. He has been catching up on paperwork for here and dad's house, paying bills...

    I saw some gorgeous fabric when last up at mum's, in a proper fabric shop, that almost made me drool . It would be perfect for super cute bunnies. I may buy some next time and see if mum lets me use her sewing machine (which currently resides in the wicker stool thingy in the bathroom, of course). Even if not, I can still cut some out.

    Better go and collect dd soon...
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 15th Mar 17, 7:58 PM
    • 2,453 Posts
    • 20,141 Thanks
    earthgirl
    Thats such a productive day off apple. You are doing so much for everybody else, much more than I could do. Wowsers!
    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 Sept 17 £22,619
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 17th Mar 17, 8:00 PM
    • 6,528 Posts
    • 47,761 Thanks
    apple muncher
    Dd has her dance exams tomorrow - tap, ballet and freestyle. She is totally ready for them.

    She gained her 'pen licence' at school today, which gives her a pen (surprise, surprise!) and permission to use it for her written work. She is rightly proud.

    Big sis took mum to visit the care home today. It went as okay as could be expected. At least mum doesn't seem to have hated it. Now to see how long the waiting list is ...

    I tried to do a 'toe-friendly' workout today, as my toes are extremely achey and hurty. (I think it is due to yesterday's footwear + 19k steps, so those trainers are going to recyc.) I couldn't manage it all - it sounded so innocuous... 40 lunge + 30 sec wall sit; 38 lunge + 30 sec wall sit... all the way to 2. Instead of lunges, I did squats + 20 sec wall sit. In 12 mins, I only just got down to 30 squat + wall sit, so I just did a final 3 mins using dumbells.

    I found some beautiful turquoisey fabric today - 100% cotton - plus some blingy gold fabric, all for £5. I have cut out 6 bunnies already! And that has made my hands achey and hurty. Sigh. Pesky arthritis making its presence felt...

    So... the focus for the next 12 weeks simply has to be on weight loss. I can call it a 'body blitz' or 'get shredded for summer', but ultimately I need to eat less, move more and build up some muscle. Less weight will certainly help the joints, help prevent depression, help reduce the risk of dementia, help me fit into my jeans.
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 18th Mar 17, 10:49 AM
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    smallholdingsister
    How does less weight prevent depression?
    • apple muncher
    • By apple muncher 18th Mar 17, 4:10 PM
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    • 47,761 Thanks
    apple muncher
    That's probably an oversimplification,but personally, when I feel better in myself as regards my weight, plus I am exercising well, plus I am fueling my body correctly, then I am less prone to a depressive slump. I am particularly sensitive to grains and sugary food, so when I feel 'on the edge' I try to eat more veg and protein instead of reaching for easier food. Don't always manage it, mind...

    Hope that makes sense.
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 18th Mar 17, 4:48 PM
    • 2,453 Posts
    • 20,141 Thanks
    earthgirl
    Yes total sense. I only have basic mental health training, but we are advised to try to get people moving and fuelling their bodies in a balanced way. Also time outside helps...although I live in Scotland so trying to get my charges outside can be a bit hit and miss with the weather!

    Your plans sound great apple.
    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 Sept 17 £22,619
    Kids savings 13,578/36k
    • smallholdingsister
    • By smallholdingsister 18th Mar 17, 6:07 PM
    • 3,542 Posts
    • 27,495 Thanks
    smallholdingsister
    Sorry. I don't mean to be critical. Just interested.
    • apple muncher
    • By apple muncher 18th Mar 17, 6:43 PM
    • 6,528 Posts
    • 47,761 Thanks
    apple muncher
    You didn't come across as critical in the slightest shs!
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 19th Mar 17, 8:16 AM
    • 6,528 Posts
    • 47,761 Thanks
    apple muncher

    Have set up a 12-week plan. Goodness knows how/if I'll see it through, as I'm rubbish at the longer challenges I set myself. Hmmm. So why did I do it then? Possibly because it runs 25th Dec (hey, why not?) to 19th March. And we really need to be seeing light shining pretty brightly at the end of the tunnel by then. So it is a challenge for health, wealth and a life well-lived. And that includes: fitness, weightloss, eating habits, simplicity of life, prioritising the important stuff, mental well-being, spending mindfully, meditation, getting rid of baggage (eg a house!)...

    ...
    Originally posted by apple muncher

    That is what I wrote back in December. In fact, I like the wording so much, I may just use it again! It has been very useful to look back week by week and ponder how it went - there was always progress in some area or other.

    It all hinges on mum really, as that situation has been the trigger for practically everything since August: dad died suddenly and peacefully on Aug 2nd, leaving a house with hoarded stuff from the 60s. Mum was diagnosed with breast cancer on Aug 5th, underwent a mastectomy on Sept 5th, and was in hospital for 6 weeks as she wasn't fit to go home. Big sis stayed with mum from Aug 2nd until Aug 22nd (funeral was the 18th), then she returned on about Sept 3rd and has been there ever since, looking after mum. Mum's descent into dementia/alzheimer's has been swift, exacerbated by bereavement and cancer and radiotherapy. Whilever mum was in the hospital, we were unable to proceed with any memory assessment. She finally had an mri scan on Jan 11th and the results will come out on April 5th.

    In the meantime, we worked hard to clear dad's house, which meant going through every single piece of paper, as the important stuff was hidden amongst old newspapers and rubbish. But we finally got though it all, got it on the market, and are now doing the paperwork for the sale.

    To ensure that mum is provided for, and that we are not hit with fees in 15/20 years' time, and to ensure that big sis can get her own life back, we opted for a care annuity plan thingy. The sale of dad's house will cover the highest quote and we hope it will go down as we were vague about some figures, and therefore were cautious about mum's income and overestimated fees.

    We have only seen 1 care home that we would want mum to live in. She has visited the place and didn't hate it... Now to see how long the waiting list is, whilst scoping out others to see if they fit the bill. At home on her own, mum would not be safe - wouldn't eat properly, can't shop, forgets medicines so could easily not take/overdose... A home means she would be safe.

    Big sis is having counselling and so am I. Mine is with someone at work, and has to slot in between my teaching, so I am going to stop it - it's only 20 mins and I spend the time clock-watching and then have to go and face y9s. I am therefore looking for someone else who is available on my day off, and nearish to where I live as we still have no car.

    Ah, the car! It lasted 2 days into the plan and then gave up. We haven't replaced it and seem to be coping ok. Dd misses it the most as she does a full week at work + dance on a sat + church/kids klub on a sun. All v tiring for her.


    So, wittering time is over. Off we go again for another 12 weeks which takes me up to June 11th. Let the adventure begin...
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 20th Mar 17, 8:15 PM
    • 6,528 Posts
    • 47,761 Thanks
    apple muncher
    A non-eventful start to the adventure today. Steps, reading, headspace, squats, sugar-freeness, NSD and work. It is useful to already be in the habit of doing most of those (especially the work malarkey, eh), and good to continue to make progress.

    I found 19 sainz active kids vouchers, all face down, on the ground on sunday, down by our local shops (NOT a sainz!), so I collected them all up and dd took them into school today. That represents £190 spent in sainz - what a lot...!

    Big sis has emailed me the times she has arranged cover for me when I'm at mum's, and has also ordered me to make sure I get out again every day for another hour or so, for my own sanity. I shall definitely do that.
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 20th Mar 17, 8:17 PM
    • 6,528 Posts
    • 47,761 Thanks
    apple muncher
    I did over 100k steps last week. Go me.
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 22nd Mar 17, 8:53 PM
    • 6,528 Posts
    • 47,761 Thanks
    apple muncher
    Here I am, at mum's. Got well soggy on the way here. Detoured with big sis to see dad's house, all empty now. I'd thought I would be emotional,, but I wasn't. It took me back to when the place wasn't full of dad's gubbins, and had space to be lived in properly instead.

    Had a nice afternoon and evening with mum. She talked quite a lot about the care home she visited and was generally positive about it, which was good to hear. Whether she'll still be positive tomorrow remains to be seen... She disappeared up to bed at 7.40 (!) so I rang home and talked to dh and dd - mum gets antsy when people are on the phone, so we ensure we make calls either when she isn't around (rare), or when she goes for a bath (max of 10 mins), or when we are out and we use our mobiles.

    Shocked by what has happened in London.
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 22nd Mar 17, 9:35 PM
    • 2,453 Posts
    • 20,141 Thanks
    earthgirl
    Apple, you are a very wonderful lady. Its great that your dad's house empty brought back such good feelings, and your mum feels positive about the home.

    I also love the wording of your challege, just reading it makes me feel calmer! Best of luck.
    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 Sept 17 £22,619
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 23rd Mar 17, 9:48 AM
    • 6,528 Posts
    • 47,761 Thanks
    apple muncher
    Mum was up with the larks. She is now on breakfast #3 as far as I can make out. I have been for my run - squelchy and muddy, wonderful! And I took pics of the play areas in the parks to show dd once I'm home. I am now bathed and fed, a wash is on
    . And it is not raining.
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 23rd Mar 17, 9:34 PM
    • 6,528 Posts
    • 47,761 Thanks
    apple muncher
    And the rest of the story... My bath was rather rapid and tepid but I put that down to 'someone' turning off the hot water a few days ago. However, the airing cupboard normally belches out heat but was failing to do so, and all the pipework in there was cold. The rads, which take hours to disperse their residual heat, were stone cold. Yet the boiler was making all the right noises... Everything has been turned off and on again, so I reckon it is the pump. Called the estate manager who arranges this sort of thing, and the gas people are coming at 8am tomorrow.

    Meanwhile I put the immersion on so at least mum's bedroom should warm up (airing cupboard is in there) and there is hot water.

    An uppy downy day. I got my run done; did a rapid walk to the fabric shop and did indeed still love the fabric, so bought a yard of it; got a fair few inches of cardigan front knitted; talked to dh and dd.

    But mum has managed to lose her house keys and has been in a state of total panic and upset. I have sought them out, to no avail. We need them to re-appear asap.
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • greent
    • By greent 24th Mar 17, 1:23 PM
    • 6,422 Posts
    • 64,839 Thanks
    greent
    Fingers crossed you've found them by now. Have you tried asking St Anthony? (I think Gally likes that method?) x
    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) £5034/£3286
    Net sales 2017 £1221.45/£500 PAYDOX17 £11937/£10k Decluttered 1730/2017 items
    • apple muncher
    • By apple muncher 24th Mar 17, 1:44 PM
    • 6,528 Posts
    • 47,761 Thanks
    apple muncher
    I have just found them! Under her hats on the shoe rack, of course... much relieved. Although St A was not invoked, his name has been thoroughly mentioned as that is the name of the care home we like!

    The gas man came out, tried to get a new circuit board but can't get one until MONDAY. Ridiculous. And left mum with no heat source other than her fan heater. And all the warden suggested was keeping that fan heater on all day and putting an extra blanket on the bed. Not impressed. Am no doubt being unfair, but I am very cross with her for allowing an 85 year old to be left with no heating for 3 days. So I went to the church office and they have kindly loaned us an oil-filled radiator. Which mum keep turning off. Sigh.

    The heating situation has really thrown me and made me anxious. I really could do without that! Someone is coming to visit soon, so I shall skedaddle out for an hour to hopefully clear my head... So that I can be kind to mum and not get cross...
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
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