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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 May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
Page 154
    • apple muncher
    • By apple muncher 9th Apr 17, 7:51 PM
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    apple muncher
    Nothing wrong with kissing donkeys.
    Originally posted by smallholdingsister
    Ewww. There is everything wrong with kissing donkeys !
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (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 Apr 17, 8:02 PM
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    apple muncher
    Week 3/12 update:

    Health: toes are doing well; hands have been achey (poss due to cutting out, knitting...); plenty of exercise done; back on the no-added-sugar waggon; some headspace done; the plan for this time with mum seems to be working; currently fighting a sore throat and snot. Squats done.

    Wealth: very few nsds acquired, due to the holiday - oops; otherwise, sensible spends; got autoaid despite not having a car - it may seem like madness but there was the possibility of driving mum's car back to our place with the possibility of it not getting there so we wanted to be covered! Trying to use the library for dd's books - she can get several from ch shops and finish them in one afternon, which is a waste of our pennies.

    Life well lived: getting outside and having such lovely weather has been beneficial. Being here for big sis does me good as I feel useful!
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (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 Apr 17, 12:03 PM
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    apple muncher
    St Anthony's help is required again.

    Mum has 'lost' a ring she got from her mum. It's been a few days now and we simply cannot find it.

    She cannot rest, is constantly getting up and rootling through things, searching.

    Help!
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Watty1
    • By Watty1 10th Apr 17, 4:53 PM
    • 2,713 Posts
    • 18,950 Thanks
    Watty1
    Have you tried a pendulum? Never worked for me but I have a friend who is certain it is the answer to lost items.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • greent
    • By greent 10th Apr 17, 7:55 PM
    • 5,809 Posts
    • 58,711 Thanks
    greent
    Hope it's been found - or is found very soon x
    Repaid mtge early (orig end 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 up: BTL Mtge 12/16 Bal £69786. 2017 OP target (#18) £2000/£3286
    Net sales 2017 £457.00/£500 PAYDOX17 £9435/£10k Decluttered 741/2017 items
    • apple muncher
    • By apple muncher 11th Apr 17, 7:32 AM
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    apple muncher
    Still not found it. Sigh. It is in the house,but where is obviously a mystery...

    Mum will be out of the house this afternoon - a rare occurence, so I'm going in to a) wash her bed linen,towels... b) clean the kitchen c) go through all her items of clothing and check pockets d) wash her clothes.

    Don't think that I'll get on to d) as realistically, I'll only have about 2 hours before having to go and meet dd and dh off the train. And I don't know when/if big sis will want/need me to take over from her for a while.

    Today will be a spendy day as I have finished reading my book: My grandmother sends her regards and apologises, by Fredrik Backman - a great read. So I'll nip to the ch shop to find another.
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 11th Apr 17, 9:16 AM
    • 3,055 Posts
    • 23,086 Thanks
    smallholdingsister
    Is it loose, could it have slipped off?

    Say "ring ring ring".
    • apple muncher
    • By apple muncher 12th Apr 17, 9:46 PM
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    apple muncher
    A new chapter begins...
    Day 2 of 'mother in residential care' complete. Phew.

    Still not found that ring, but I did find the missing address book.

    Dh is being his usual awesome self and spent a couple of hours with mum. Dd was amazing when she went to see her, so loving and fun.

    Overall, a lot fewer bouts of crying, although I am sure that that will ebb and flow.

    Big sis is back home for a few days, to try to relax and chill out.

    Lots of washing done, so that whichever clothes go in, they are clean and named. Still lots to do though.
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 13th Apr 17, 9:37 PM
    • 2,213 Posts
    • 17,860 Thanks
    earthgirl
    Hope the ring turns up, glad the residential care is going well.

    Sounds like you are making great progress with everything that you can.
    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 )
    April 17 £33,710
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 13th Apr 17, 9:54 PM
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    • 42,628 Thanks
    apple muncher
    Utterly drained. Have been good for not much at all (can't in all honesty say 'nothing' as I've not quite been that bad) since seeing mum today.

    She is settling in as well as can be expected, has 'made a good impression' on the staff there, tells them how wonderful the place is, yet is completely miserable when with me and nothing I say is any use/good. Jekyll and Hyde.

    When I left today, I was of the opinion that she was truly better without me being there. In a sense it is true, as she then potters off to find someone to chat to and is contented in a way that we could never achieve in her house. She is safe.

    My future visits will be much shorter (was there 3 hours today) and preferably timed to when they do an activity we can join in with. Big sis agrees that 1 visit a day is plenty - a relief, as I thought she'd want at least a couple of visits per day with each one lasting a few hours.

    I may ask my wonderful dh to visit her tomorrow instead of me, for 1 hour. And I shall take dd into the nearby town for a mooch. Being a bank holiday, I don't expect the ch shops to be open, but the w0rks and such like may well be open.
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (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 Apr 17, 7:59 PM
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    apple muncher
    So, dh did go and visit mum, then met up with us in town. I truly could not face a visit until today. And today was much calmer, and more positive all round than the other day.

    It is a massive rollercoaster for mum. She sometimes hardly knows where she is and at other times is acutely aware of parts of her situation.

    We came home today, and big sis returned. And my tooth fell out. Typical, just on a bank holiday w/end, eh? The previous time was 36 hours before we flew out to Canada for step dd's wedding. It knows how to pick its moments well. We have none of the stuff to stick it back in with, so I have a draughty mouth. Weird.

    Dh pointed out to me - again - that we could pay the mortgage off at any time we chose to, if we wanted to. Hmmm. Maybe I should focus on some savings accounts instead, and be active about it, rather than just talk...
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 16th Apr 17, 8:43 AM
    • 3,055 Posts
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    smallholdingsister
    Hope the ring turns up xxx
    • apple muncher
    • By apple muncher 16th Apr 17, 7:18 PM
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    apple muncher
    The ring has been found! By big sis, in a place I had already looked several times. Very pleased it has turned up.

    A quiet day here in apple land. Dd was pleased with her Choices chocs - 2 bunnies and an egg - gluten/dairy/egg/soya free and still tasty.

    I did a Zuzana bodyrock workout #134 Burpee Fusion. 10 burpee + 10 KB swings, 11 burpee + 10 KB swings... all the way up to 20 burpee. I did it in reverse, starting at 20, with a view to going down to 1 burpee. Heck no! 20 down to 10 took me 38m51. Enough.

    Tomorrow will see dh seeking out an open chemist to buy some toofypeg mix to stick my tooth back in, and he can have a mooch around any open shops without us girls around. Dd has a friend coming over in themorning. I foresee a domesticated day.
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 16th Apr 17, 7:29 PM
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    apple muncher
    Week 4/12.

    Health: Yikes. One third Of the time gone and the weight loss is zilch. Mental health much better - a new chapter has started with mum in care. There were extremes - as ever - but more settled times than not. Fair amount of exercise done.

    Wealth: not much spent. Realised that as we are mortgage neutral, and we could pay it off at any time, then I could do with researching savings. We also have a 'lead' to sort out buying the freehold (or is it the leasehold?) for mum's house.

    Life well-lived: it was lovely to have dh and dd up with me, and all travel home together. And also to help/support big sis and get time with her. Cleaned the bathroom and kitchen at mum's, did a dozen loads of washing (at least), hoovered the house.
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • greent
    • By greent 16th Apr 17, 7:52 PM
    • 5,809 Posts
    • 58,711 Thanks
    greent
    Peacefully positive posts, apple - lovely

    Glad the ring has turned up
    xx
    Repaid mtge early (orig end 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 up: BTL Mtge 12/16 Bal £69786. 2017 OP target (#18) £2000/£3286
    Net sales 2017 £457.00/£500 PAYDOX17 £9435/£10k Decluttered 741/2017 items
    • apple muncher
    • By apple muncher 18th Apr 17, 12:55 PM
    • 5,840 Posts
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    apple muncher
    Dd trotted happily in to school this morning - yay!

    I wandered up to Sainz, then did a Zuzana workout: Brutal 8 Exercise Drill. 2x: 30 walking lunge; 15 squat; 30 side lunge; 50 mountain climber; 15 (knee) push up; 30 step up; 30 reverse lunge; 15 plank + 2 row. Took me 18m34.

    I have logged on to the 2 components that I am marking/moderating this year. One of them always gives me a fright as it doesn't work in our usual internet browser - and I manage to forget this every year!! Thank goodness for dh.

    If I am to achieve said work, I require a working space. As happens every year, Inow need to do some serious tidying up of my gubbins to free up a space. Time to set a timer for, ooh, a massive 15 mins and see how far I can get...
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 18th Apr 17, 7:50 PM
    • 2,213 Posts
    • 17,860 Thanks
    earthgirl
    Glad the ring turned up. And dd going into school without complaint - were you worried, is all ok?

    So pleased re your mental health, you have ben so strong.
    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 )
    April 17 £33,710
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 19th Apr 17, 8:36 PM
    • 5,840 Posts
    • 42,628 Thanks
    apple muncher
    Glad the ring turned up. And dd going into school without complaint - were you worried, is all ok?

    So pleased re your mental health, you have ben so strong.
    Originally posted by earthgirl
    Suffice to say that a girl in dd's class is consistently mean to her. It ebbs and flows, we have involved SLT in the past. We are happy with what the school has done. But it is hard to stop a clever girl who chooses to be nasty.
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (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 Apr 17, 8:58 PM
    • 5,840 Posts
    • 42,628 Thanks
    apple muncher
    Today was a training day, and although I do not work on a weds, I needed to be there until 1pm. I cycled there. And back home too. Go me, eh? I took it very easy and thoroughly enjoyed the cycling. My legs took me there very easily, but were pretty reluctant to get me home again. So tomorrow, I'm catching the bus!.

    Dd passed her recent maths test , moving up to silver level. She has been trying to move up all year, so we are very pleased she did it. She is rightly chuffed to bits.

    Big sis rang to say that the home are keeping mum. Phew. Not that we thought that they wouldn't, but until it was confirmed, we had a sneaking suspicion that mum might not pass the 'probationary period'. Now we'll have to part with some cash...
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 21st Apr 17, 8:20 PM
    • 5,840 Posts
    • 42,628 Thanks
    apple muncher
    Just about recovered from the cycling!

    Had a decent day at work yesterday, and bumped into an ex-pupil on the way home, so had a good natter.


    Did a Zuzana workout from the bodybuilding.com website. Eek. Just a 15 minute bodyweight one. Worth doing.

    Finished all 10 bees, so must add that to the craft total.

    Dd had a friend over for her first visit and it all went very well, which is pleasing.

    Did my first bit of standardisation work for an exam component, and did okay. Phew.

    Watched the Sarah Beeny living mortgage free prog, and wasn't mega inspired. However, we'll keep recording it...
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
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