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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 6,166Posts
    • 44,905Thanks
    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 157
    • earthgirl
    • By earthgirl 16th May 17, 10:20 PM
    • 2,357 Posts
    • 18,944 Thanks
    earthgirl
    Great list to keep you on track...and you are so on track, well done!
    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 17th May 17, 4:40 PM
    • 6,166 Posts
    • 44,905 Thanks
    apple muncher
    Socks.

    I need socks.

    Wore a thin pair t'other day -monday methinks - and ended up with achey toes - prob worsened by the tuesday run. Therefore I shall splash out on decent thickish very cottony socks. If ever I find some... Not that they don't exist, more my lack of entering shops that may sell them...
    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 17th May 17, 8:27 PM
    • 6,166 Posts
    • 44,905 Thanks
    apple muncher
    We have been sent some photos of baby gs and he is adorable, of course. 7lb 12. Born Sat 13 May in the early hours - at 4 something.

    Had a good counselling session again. And did the massive uphill walk to get the bus home. Then hardly did any more steps as I cracked on with the moderating and marking.

    Sent a few emails to centres for missing bits and bobs (d'uh), moderated 2 more centres (4 more to go,but 1 hasn't even arrived yet. What did I say about deadlines...?), and finished marking a sizeable centre. So, I'm more positive about getting it finished soonish, but we are out all of Sat and most of Sun - 2 key days, usually, for getting stuff done - so I may have to give in and move my ideal finish date back... However, the challenge remains to finish by next Fri...

    I finished the other front of big sis' cardi, so it now has a back and 2 fronts. Hmmm, maybe I could just add the collar and pockets and pretend that it was supposed to be like that...

    We have a £5 off £30 spend in liddle, so may venture up there on fri. It's not our usual haunt so I expect the shop will take us aaages as I read all the packaging...
    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 18th May 17, 5:20 PM
    • 2,357 Posts
    • 18,944 Thanks
    earthgirl
    Glad the counselling went well. And you are racing through the moderating!
    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 18th May 17, 8:14 PM
    • 6,166 Posts
    • 44,905 Thanks
    apple muncher
    I think I am ahead of other years - it certainly feels like it. Probably helps that 9/10 centres actually sent their work for moderating on time (or thereabouts), and all the marking centres did. The marking work is trackable by parce1force, which may account for its promptitude...

    The sock issue has been resolved. I was excited last night to discover the primarni on the high street I have to walk up to catch my2nd/3rd bus to work opens at 8am. So I was able to pop in before work today, as I start later. Twas a joy to wander round, so few people, and I got 23 pairs of socks for dd and I for around £10. Result. We have both now been through our socks and most of the rejects are only good enough for textile recyc. On the way home, I had 10 mins to pop into sp0rtsd1rect and boy, their socks are pricey!

    I've been looking for a very particular type of top for running. The lycra legs/skort I use to run home from work are v thick and therefore v hot, and I look like a tomato anyway when I run. But I am not fit to be seen at work/by pupils in passing in my knee-length leggings (blubber issues) and want one of those loose tops that are longer at the sides, which might cover a little of it, at least until I am off the premises and then I don't care... Nor should it be a racer back style. Nor have mega massive armholes. Having looked a little online last night, and quickly in Sp D today, I'm not sure it exists! So...I bought an XL men's long-sleeved running top from a ch shop for £3 and will try to customise it.

    Very little marking done today - maybe only 5 scripts! But I have marked both y9 classes' listening tests.

    Dinner was a new paleo chicken strips recipe that worked quite well. Phew.
    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 19th May 17, 8:17 PM
    • 6,166 Posts
    • 44,905 Thanks
    apple muncher
    A good day off work.

    Mod is as far along as it can be, so am not doing any more until Monday. Sent off a mar parcel. Am almost halfway through. Definitely taking tomorrow off all of it. It will be nice when I get paid though . Am considering putting the pennies towards one of the big things we need to do holiday-wise in the next few years. Next year = step ds's weddding in Oz if we're lucky, or somewhere in SE Asia if we're not so lucky. We'd would dearly love to go and visit our grandson out in Canada. And dh's mum is now in a care home (by choice and fully with her wits about her, but just turned 80) in Texas. How can you rank them??!

    Did a mishmash of a workout: Zuzana warm up, 10 mins of 10 high knees + belly down with hands off the floor (=42), then 12x 15/5: 3 sumo squat and jump + 2 tuck jump and jump 180. I was huffing and puffing like a steam train!

    Have been considering ways to save money... We're pretty tightfisted, I reckon (!) It may be a case of returning to Tilly Tidies to a savings account - when I get my act together and set one up...

    I am very good at considering. Not nearly so good at doing.
    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 19th May 17, 8:41 PM
    • 2,357 Posts
    • 18,944 Thanks
    earthgirl
    I'm with you on the thinking of ideas but can't find the time! Enjoy your day off.
    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 20th May 17, 7:41 AM
    • 6,166 Posts
    • 44,905 Thanks
    apple muncher
    A day of out-and-abouting ahead of us. 9am to 9pm ish. The sun is shining - long may it last, given that we are outside for a lot of the day. Looking forward to a day together (and doing no marking).
    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
    • EatingTheElephant
    • By EatingTheElephant 20th May 17, 8:08 AM
    • 1,078 Posts
    • 5,785 Thanks
    EatingTheElephant
    Have a lovely day
    • smallholdingsister
    • By smallholdingsister 20th May 17, 5:47 PM
    • 3,183 Posts
    • 24,761 Thanks
    smallholdingsister
    Are you missing any Spanish on a pen drive?

    If so, I might have it. Science/Spanish easy to get them muddled!!
    • apple muncher
    • By apple muncher 21st May 17, 8:03 AM
    • 6,166 Posts
    • 44,905 Thanks
    apple muncher
    So easy to muddle them... (sorry, not got any stuff that's not mine to swap with you this year. Maybe next...)

    Awesome day yesterday. A wonderful day of being sociable (eeek), beng very well fed, and enjoying the assault course, archery, the traversing wall, a mega massive bonfire with lots of campfire songs to make you laugh. Dd had an excellent time and loved toasting marshmallows and clambering round, exploring. We walked home as the sun was setting - only 30 mins - and all had a bath/shower and collapsed into bed.

    So, we shouldn't whiff too much of bonfire ... And a wash is on of all the smelly clothes,which I reckon I can hang outside today - yay!
    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 21st May 17, 7:58 PM
    • 6,166 Posts
    • 44,905 Thanks
    apple muncher
    Week 9/12

    Health: my really achey hands continued but are improving, phew. Headspace, reading, quiet times, counselling all done. 5 lots of exercise.

    Wealth: still hardly spending - the sock haul was a good'un and much needed. Will go back this week for some other needed stuff. Money earned from moderating and marking, although not in my account for a while - have to hit the 90% complete mark to trigger payment.

    Life well lived: a brilliant weekend where the buses were on our side. Good family times. Dh and I work well as a team, freeing each other up to do things (usually things to earn us some pennies ).
    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 22nd May 17, 1:48 PM
    • 6,083 Posts
    • 61,449 Thanks
    greent
    Sounds like a fab Saturday, apple 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) £4151/£3286
    Net sales 2017 £776.31/£500 PAYDOX17 £10787/£10k Decluttered 1380/2017 items
    • apple muncher
    • By apple muncher 24th May 17, 7:38 AM
    • 6,166 Posts
    • 44,905 Thanks
    apple muncher
    A lovely sunny day, and I am grateful to be alive and safe.

    The house all completed yesterday So now we have the pennies to buy the plan for mum's care. Phew.

    School run, washing, counsellor, food shopping, lunch and then I can sit down to do some work. I will have about 3 hours to complete my list...
    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 24th May 17, 5:35 PM
    • 6,166 Posts
    • 44,905 Thanks
    apple muncher
    May.

    May the (NST) force be with you challenge has been joined.

    11 days involve me being at work. Only 1 more to do this month
    20 days involve me not being at work . 6 of these left
    6 working days until y11 leave They went!
    Moderation target of 90% Think I have reached this - just some odds and ends to tie up, but they can take aaaages
    Marking target of 100% Up to about 63%
    Bunny target of 15 Yikes - at 0 as I must mod and mar first
    Exercise target of 15 Up to 16
    NSD target of 16 On #17
    2 trips to bham: 1 short and 1 several days Short one done, several days one will happen at the end of the month
    1 ruby wedding bash to attend Done - awesome!
    1 dentist appointment to keep - Done - all clear
    3 counselling appointments Done - now to pay the bill...
    1 governor meeting - Done
    1 grandson due Delivered safely if a little urgently!
    Originally posted by apple muncher
    Mod and mar have been the priority this month. Mod could be finished if only I had been sent everything. Sigh. Mar is simpler and just needs time. I have done 187/295, so it looks like I won't be complete by the end of the week, but it was still a good target... I am nearing the middle of a large centre and will feel much better once I have done it - then just 3 smaller ones to do...

    And once I have finished, I can move on to the bunnies - yay!

    Back to the grindstone
    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 24th May 17, 9:26 PM
    • 2,357 Posts
    • 18,944 Thanks
    earthgirl
    Great progress as always apple, well done with the mod and Mar they take forever.
    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 25th May 17, 6:25 PM
    • 6,166 Posts
    • 44,905 Thanks
    apple muncher
    I am finished for half term. Smug face is on.
    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 25th May 17, 7:11 PM
    • 2,357 Posts
    • 18,944 Thanks
    earthgirl
    Enjoy! You deserve it!
    I don't get half term, but finish in a little over 5 weeks.
    Can wait!
    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
    • greent
    • By greent 25th May 17, 7:28 PM
    • 6,083 Posts
    • 61,449 Thanks
    greent
    Have a lovely half term 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) £4151/£3286
    Net sales 2017 £776.31/£500 PAYDOX17 £10787/£10k Decluttered 1380/2017 items
    • apple muncher
    • By apple muncher 26th May 17, 12:45 PM
    • 6,166 Posts
    • 44,905 Thanks
    apple muncher
    Thank you!

    Ow, ouch, OUCH!!

    Whilst doing a ninja tuck jump (barefoot), my right big toe got 'left behind' and ended up in a most peculiar position. I quickly ascertained that it wasn't broken or dislocated. Fortunately dh was around, so peas were applied within nanoseconds, and I'm icing it every hour. Sigh.

    No more ninja jumps for me, for a while... In fact, not much walking either...
    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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