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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 6,297Posts
    • 45,850Thanks
    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 Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
Page 159
    • apple muncher
    • By apple muncher 3rd Jun 17, 9:34 PM
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    apple muncher
    Step dd is home and sounding better. She has even ventured outside . She currently has MIL and SIL staying but they will depart on Sun eve. MIL has been there since sdd went back into hospital, looking after the baby. Her dh has started back at work, but is just a few doors away, so close at hand. She seems to be mending well.

    We had a smooth journey home, having done a couple more things to the house. Dh got the outside light to work (turns out it wasn't wired up...) and I tidied the cupboard under the sink and moved some stuff around.

    We are all v pleased to be home, and dd has played out for about 4 hours.

    I have finished off 3 bunnies (14 more to go...) and sewn up several arms (several more to go... don't want to overdo it with my fingers). The next 6 bunnies are easy ones to tick off as they at least had all their bits stitched up. The following 8 will need focus...

    In money news, I've paid some more off the mortgage. Not really necessary, but makes me feel better.
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 4th Jun 17, 7:45 AM
    • 2,406 Posts
    • 19,435 Thanks
    earthgirl
    Sounds great am. Love the sound of HP cluedo. Glad the visit to mums was so successful, pleased to hear your toe is on the mend.
    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 4th Jun 17, 8:39 PM
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    • 45,850 Thanks
    apple muncher
    Did I not mention that I won the cluedo game? Must've slipped my mind . Smug face was on for quite a while...

    We have just watched the Prisoner of Azkhaban - think my favourite part is where Hermione punches Draco in the face.

    Workout done this morning before my brain could wake up and object - same as the last two workouts, which means that the next three will be different. I plan to change it after every 3, then at the end do them all one more time to see if I get more reps - ie if I've improved.

    Work tomorrow. We are spending a good portion of every school holiday up at mum's - we are so fortunate that we are all in the world of education and get the holidays. Dd hasn't yet moaned about having to go - it's not a proper holiday at all for her, but she's so good .

    We have a week of internal exams this week (then marking, then reports, of course), followed by an 'enrichment' week with everyone off timetable, then it is a countdown to the end of the year where you try to get them back into learning after a 3 week break, but the y9s who aren't continuing with my subject can be a right pickle...

    Church, walking, sewing, ironing, knitting and weeding have also featured today. Time to get dd to bed and get my book out and set my alarm for an early start.
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (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 Jun 17, 8:21 PM
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    • 45,850 Thanks
    apple muncher
    Oops - forgot - week 11/12.

    Yikes, so near the end!

    Health: toe injury set me back last week with pain, bruising and general immobility; didn't eat well for a few days, then picked myself up; good family week; achey hands after bham.

    Wealth: used railcard for travel to bham and it was only £5 more than when I go on my own! Spent too much in azda but left big sis plenty of food so she'll need to buy less. Worked the group travel system well.

    Life well lived: visited mum a couple of times with dd in tow; dh sorted out the languishing curtain rails; we took stuff to the ch shop thus clearing space; gumt people took stuff; I cleaned the windows, thoroughly hoovered; saw lovely friend across the way.
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 6th Jun 17, 7:04 PM
    • 2,406 Posts
    • 19,435 Thanks
    earthgirl
    Hate that end of year disengagement. Projects were always my fave activity at that time of year
    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 6th Jun 17, 8:36 PM
    • 6,297 Posts
    • 45,850 Thanks
    apple muncher
    Projects are good. But I teach them French and don't have access to computers for research. Hmmm, not giving up on the idea just yet. Maybe they can choose a French person or place and present it any way they want (ie in English (!), pictures, bullet points, articles) and the ones that are continuing with French get given a certain amount of work that must be completed for their return in Sept, so they can opt to do project work or proper work...I may just have the start of a plan there! Thank you earthgirl!

    In other news, the cardi is finished as far as making all the components. Fronts are attached to the back - did a while ago when I did the collar - and 1 sleeve is attached. So, t'other sleeve, side seams, buttons and pockets. It must be sent tomorrow...no pressure...

    Lovely chat with stepdd. She is on better painkillers so feeling lots better, and bfeeding the baby is going well. She saw the surgeon today and her wound is healing up very well - she may only need 2 more weeks using the vacuum-suction-pump-thingy, instead of 4 or 5.

    Workout done: 12x10/50: deadlift (12K kettlebell); kneeling press up; deadlift L; crab toe touch; deadlift R; knee hug.

    15K steps also done. I got well soggy going into work. I've had to wear my trekking sandals since injuring that toe, so you can imagine the state of my feet as I squelched in to work. Straight to the loos, stood on 2 paper towels and put the dyson-style hand drier through its paces trying to dry out my sandals. I was invigilating all morning in a classroom, so just did it barefoot. The kids didn't bat an eyelid !

    We observed a minute's silence at 11 and I was well impressed with the pupils who'd done a 2 hour exam session followed by wet break. They were so respectful. So proud of them .

    Much to do tomorrow. Counsellor takes up all morning by the time I've got there, done stuff, and got back. Especially if I stop off for shopping. But dd has a club after school, so I get an extra hour to fit it all in...
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (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 Jun 17, 6:15 PM
    • 6,297 Posts
    • 45,850 Thanks
    apple muncher
    The cardi is finally completed, photographed, and posted to big sis . I am so relieved to have finished it.

    The last of the banks + EPA has been done. I'd forgotten about it when planning out the day, but fortunately remembered in time.

    5 more bunnies also finished .

    A really helpful session with the counsellor, which has been very helpful (!) indeed. Cathartic.

    I shall make 15k steps again today. Go me!
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • CathT
    • By CathT 8th Jun 17, 6:21 AM
    • 5,284 Posts
    • 36,315 Thanks
    CathT
    You're so consistent apple. Hope the toe is on the mend, despite your injury your exercise and step count is impressive. I need to get back into the routine of exercise, have completely fallen off the wagon since our holiday.
    August 2017 -
    part 1 - £79,967
    part 2 - £46,351
    Total - £126,318
    • apple muncher
    • By apple muncher 8th Jun 17, 7:32 AM
    • 6,297 Posts
    • 45,850 Thanks
    apple muncher
    Thank you Cath. Stepds is getting wed in August of next year, in Oz, so I now have a target date to see results, albeit 14 months away!
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (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 Jun 17, 8:14 PM
    • 6,297 Posts
    • 45,850 Thanks
    apple muncher
    Ooph. Finished work for the week. Dh has an extra day's work tomorrow and Mon, so tomorrow I'll have the house to myself for several hours . No one to interrupt the tennis...

    Big sis' bday present parcel arrived on time and the postman sang happy birthday to her!

    Did some fairly brisk walking today, shifting up from 'a steady pace' and now my toe a c h e s. Back to steady for a while longer, and no chance of running for yonks yet...
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (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 Jun 17, 11:14 AM
    • 6,297 Posts
    • 45,850 Thanks
    apple muncher
    It is odd to be lounging around!

    Workout (same as previous one) done; bunny legs attached; russian ladies initial sewing done; rasps picked; wash done; important email forwarded.

    Off to stuff and sew with cycling and tennis...
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (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 Jun 17, 1:48 PM
    • 6,297 Posts
    • 45,850 Thanks
    apple muncher
    4 bunnies finished + 8 russian ladies. Phew. Now to spread it all out and see where the gaps are. Then make 2 plans - the first ti fill the gaps, the second to sort out how to get it all to the fair...

    Spent £10 in ch shops. Got an exercise top, shorts, a skort (to downsize in to ), 2 per una work tops, some snuggly winter jamas and a book for dd. Feels really frivolous .
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (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 Jun 17, 7:41 PM
    • 6,297 Posts
    • 45,850 Thanks
    apple muncher
    Week 12/12 - Plan II is complete.

    Overall, I do really think that I am looking after myself much better - mentally, emotionally, spiritually - which is a very good thing.

    A weekly look back is also a good thing as it makes me reflect on the good and the bad, but also makes me look forward too.

    Financially, we are ok, being careful but not stringent.

    So, why stop there? Plan III starts today!
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Greying Pilgrim
    • By Greying Pilgrim 11th Jun 17, 7:44 PM
    • 3,774 Posts
    • 41,574 Thanks
    Greying Pilgrim

    So, why stop there? Plan III starts today!
    Originally posted by apple muncher
    You go girl! You are such an inspiration to me, and I'm doing better this time around because I've seen your achievements

    Greying XX
    'Ich habe genug'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • apple muncher
    • By apple muncher 11th Jun 17, 7:49 PM
    • 6,297 Posts
    • 45,850 Thanks
    apple muncher
    Plan III - 12 weeks - June 11 until September 3 2017.

    Health, wealth and a life well lived.

    Health - I must lose weight. No more shillyshallying. I eat waaaay too much.

    Wealth - I must open 2x savings accounts. The bank have sent us another letter suggesting we move some of the offset to savings, as we are more than 100% offset .

    Life well lived - get out and about; socialise (eek); keep a balance; house - clear, clean, paint, sort lease, sell. Make the most of time with dd in the summer hols - visit big sis, visit my best friend when she comes over from Spain, go to the beach.

    That'll do for now .
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (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 Jun 17, 7:51 PM
    • 6,297 Posts
    • 45,850 Thanks
    apple muncher
    You go girl! You are such an inspiration to me, and I'm doing better this time around because I've seen your achievements

    Greying XX
    Originally posted by Greying Pilgrim
    Awww, thank you greying!
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 11th Jun 17, 9:20 PM
    • 2,406 Posts
    • 19,435 Thanks
    earthgirl
    Just catching up as away for a few days.

    You have totally inspired me and I'm very grateful.

    I used to do 6 French speaking countries as projects. Make a print out of facts about the country (Wikipedia page!). Then give the printouts out randomly so everyone had one. I'd get them to do something using the info on the printouts, maybe make a mini book by folding a4 paper over ( a pAge on geography, culture, food etc) and then put them in groups of six to each present their county to the others using their mini book. It worked quite well generally and I think they all learnt a lot. I'd use the resource pages again and again so I wasn't bothered about the photocopying.

    Anyway you'll have your own ideas that'll be much better �� I'm just hanging on in there now!

    Love the twelve week plan, good luck.

    Btw did Having it written out in numbers help?
    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 12th Jun 17, 6:26 AM
    • 6,297 Posts
    • 45,850 Thanks
    apple muncher
    Thank you earthgirl!

    And thank you for taking the time to say how you did/do the projects. The research bit was my sticking point, especially for the initial lesson, and you have solved that. Yay!

    I also like your summer plan of having something to do each day. We usually do a list of possibilities, but often they don't get done because I don't plan them. Oops! Last summer was scuppered by dad's death on Aug 2nd - pesky man! - so I do want to get some special things done with dd this year. She is really easy to please, and thoroughly enjoys pottering around at home and playing out, but there are times when 'everyone else' is away and she's 'bored'.


    An admin day ahead of me at work today - at least, I hope so, as there is a lot of it to do by the end of term.

    And I like working the month out by numbers. I enjoy counting! So each month is set out with numbers, I join in the NST monthly challenges (and sometimes run one myself), and I have my 12 week plans.

    Better shake a tail feather and leave the house...
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 13th Jun 17, 7:32 PM
    • 2,406 Posts
    • 19,435 Thanks
    earthgirl
    I need an admin day at work too. I'll try and fit one in next week. Hope you got lots 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 Sept 17 £22,619
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 13th Jun 17, 8:30 PM
    • 6,297 Posts
    • 45,850 Thanks
    apple muncher
    My admin day was awesome! The sch timetable has been collapsed this week for enriching activities for the pupils. I wasn't allocated to anything on mon, so set to work with a colleague, had a mini dept meeting and sorted handbook, ddp, theatre companies, trips, budget, reports.... I had lost the will to continue soon into the afternoon, and left as soon as I was allowed to.

    Today I was outside all morning and it was superb weather for it. The first bunch of y9s (which we had for 3/4 of the morning) were really lovely to work with and made for a thoroughly enjoyable time. The next group contained a sizeable number of workshy ones who put a damper on eveything. But then I was all finished by lunchtime, so came home!

    We have had brownies tonight, which nets me about another 6k steps, and I'll be up to 22k by bedtime . I am surprised some days at how well my toe is holding up and other days it lets me know how unhappy it is .

    I am very grateful today for my work colleagues who have all been sharing their leg0 cards, leaving spares and swapsies on the staffroom table. Dd now only needs 4 more cards to complete her collection, and we do not spend much at sainz, so mostly they have come from generous others. Very grateful indeed.

    I also snuck in a workout today using my 12K kettlebell. 3x 20 bent leg deadlift; 20 squat; 20 straight leg deadlift; 20 sumo squat; 10 each side side bend. All without putting the KB down. Took me 14 mins .
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
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