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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 Joyful July #2; NSD 11; Ex 18; craft 110; remove 477
    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 160
    • apple muncher
    • By apple muncher 14th Jun 17, 8:16 PM
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    • 44,127 Thanks
    apple muncher
    Another very useful session with the counsellor. Plenty of walking. A food shop. Raspberry picking. Baking. Washing. Little prep for my school SUMMER FAIR on Sat.

    Enjoyed a peaceful day.

    Tomorrow I'm going in to work earlier and finishing earlier. Hopefully!
    NST Joyful July #2; NSD 11; Ex 18; craft 110; remove 477
    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 14th Jun 17, 9:32 PM
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    smallholdingsister
    Sounding good and positive.
    • apple muncher
    • By apple muncher 15th Jun 17, 7:54 PM
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    apple muncher
    Went in early and got out early. Result. Caught 8 buses today!

    Saw the final timetable for next year and it's fine.

    Made a decision at work about something that has been nagging at me for about a year. It may cause ructions with a colleague, but it is something that always falls to me to do and the other person needs to do their part and I need to stop carrying them, so I am asking to split the allocation so we are each responsible for pur own bit. I'll need to find the right words to phrase my reasoning...

    Did a workout as soon as I got home. 12x10/50: 5k overhead squat (could NOT keep my arms straight at all when squatting!); sandbag (c 11k) clean and press; sandbag squat; elevated feet reptile; sandbag sumo squat; kneeling press up. Tough on my shoulders, this one, but good.

    Managed to knock my toe joint this evening, so it is now aching like billy-o. It has done well, mending as well as it has.

    A day off tomorrow with very little planned.
    NST Joyful July #2; NSD 11; Ex 18; craft 110; remove 477
    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 16th Jun 17, 7:45 PM
    • 2,311 Posts
    • 18,599 Thanks
    earthgirl
    Hope you enjoyed your day off and your toe is ok.
    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 Jun 17, 7:44 AM
    • 6,051 Posts
    • 44,127 Thanks
    apple muncher
    I had a relaxing day - but lost much time playing a certain game on my tablet, so I am banning it for the rest of the weekend.

    Today is my school fair day - and what glorious weather we have for it. Dh will take dd to dance and then they'll both come along afterwards. Guess I'd best get myself up, fed and dressed. And decide what food to take when it's so hot - I was thinking of ham + coleslaw wrapped in lettuce leaves as they can travel next to my frozen bottle of water and I can eat them at 11.30 before the fair opens...
    NST Joyful July #2; NSD 11; Ex 18; craft 110; remove 477
    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 17th Jun 17, 10:47 AM
    • 1,590 Posts
    • 9,248 Thanks
    Pearla*Merle
    Good luck with the fair today!

    Life in Apple Land is sounding lots better these days, I'm glad to hear things are settling down and healing. (& mortgage side of things is looking tip top well done!)

    PS. I've had horrendous achey hands and an injured toe as well, how funny. Hope we both say goodbye to these annoyances soon
    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.
    • smallholdingsister
    • By smallholdingsister 17th Jun 17, 2:10 PM
    • 3,290 Posts
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    smallholdingsister
    Sounds yummy. Except for the ham (vegetarian!).
    • apple muncher
    • By apple muncher 17th Jun 17, 5:04 PM
    • 6,051 Posts
    • 44,127 Thanks
    apple muncher
    Ooph. Thoroughly enjoyed the fair. The pta are a lovely bunch. And I made £80. Dh and dd came along and dd enjoyed the bouncy castle and stalls while dh enjoyed the burgers.

    For once I remembered to take both before and after pictures so I can look and see what sold.

    Now to cool down and relax...
    NST Joyful July #2; NSD 11; Ex 18; craft 110; remove 477
    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 18th Jun 17, 8:27 AM
    • 6,051 Posts
    • 44,127 Thanks
    apple muncher
    A day off church today. There is a vintage car pageant in a big park that is on the way. And a gazillion people go to it, which creates massive traffic snarl ups.

    I have done two (!) workouts. Both 12x10/50. The first was 3.5k overhead squat; sandbag cleanand press; sandbag squat; elevated feet reptile; sandbag sumo squat; kneeling press up. The second was squat + side leg lift; V-up mid; laying side leg raise - right; v-up right; laying leg raise left; v-up left. And a good 10min cool down.

    Dd and I may trot up to the woods later, with some bunnies and other wares, and try out some photo shoot locations.
    NST Joyful July #2; NSD 11; Ex 18; craft 110; remove 477
    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 18th Jun 17, 4:16 PM
    • 3,290 Posts
    • 24,263 Thanks
    smallholdingsister
    You've done really well. Its so hot today.
    • apple muncher
    • By apple muncher 18th Jun 17, 5:14 PM
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    • 44,127 Thanks
    apple muncher
    Tis a tad warm, indeed! I did my exercise at about 7am, outside in the shade - definitely the only sensible time and location to do it.

    Dh has patched the paddling pool so that 2 of the 3 layers stay inflated. It may see us through this year...

    We all trotted up to the woods and dd and I took a few pics. She does need a proper camera - just has a kiddizoom one.

    Dd had a great afternoon split between next door's mega paddling pool and then warming up in our garden before going back for more fun. She's acquired a lovely burple (blue + purple) bruise on her hip and is now sitting with an ice cube on it.

    A day where you wish you didn't have to go to work on the morrow...
    NST Joyful July #2; NSD 11; Ex 18; craft 110; remove 477
    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 Jun 17, 8:11 PM
    • 2,311 Posts
    • 18,599 Thanks
    earthgirl
    Know that feeling! Guess I'll have to put the paddling pool away now
    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 Jun 17, 9:46 PM
    • 6,051 Posts
    • 44,127 Thanks
    apple muncher
    Week 1/12

    Health- fingers and toes much improved. Big toe still mending and I'm ensuring I still get in some toughie workouts. 1lb weightloss - a start!

    Wealth- £80 made at dd's summer fair and a plan for what to make for Cmas ones (more mice, cmas houses, penguins, knitted (?) Santas). Spent little - only on food, really - our food costs have risen since gf foods were removed from the prescribable lists. Claimed moderating expenses so they should appear fairly soon.

    Life well-lived- got a 'keep the date' fridge magnet from stepds re their wedding next summer; plenty of fun times this week, especially today with the woods, photography and paddling pools. The balance is going well, but the next 2 weeks are going to be rather hectic. What is happening and when is all recorded - it's more me being able to 'bother' of an evening to prep food for the next day or so.

    Am hoping dd will drift off to sleep soon...
    NST Joyful July #2; NSD 11; Ex 18; craft 110; remove 477
    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 Jun 17, 7:15 PM
    • 6,051 Posts
    • 44,127 Thanks
    apple muncher
    Rather warm today. By last lesson we were all so hot, the pupils willingly worked through sheets on modal verbs!
    NST Joyful July #2; NSD 11; Ex 18; craft 110; remove 477
    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 20th Jun 17, 8:33 PM
    • 6,051 Posts
    • 44,127 Thanks
    apple muncher
    Another warm one.

    My lovely dh brought dd's non-functioning Singer sewing machine to my work, as the wonderful DT technician said he'd service it for us. Took him less than 2 hours - I thought it'd take days! So I then struggled home with it as I didn't want to drag dh all the way over there again.

    Brownies tonight took my step count to just over 20,000. Not too shabby...
    NST Joyful July #2; NSD 11; Ex 18; craft 110; remove 477
    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 20th Jun 17, 9:35 PM
    • 2,311 Posts
    • 18,599 Thanks
    earthgirl
    Great news with the sewing machine. How on earth did you carry it home though?!
    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
    • Pearla*Merle
    • By Pearla*Merle 20th Jun 17, 10:13 PM
    • 1,590 Posts
    • 9,248 Thanks
    Pearla*Merle
    Good grief, can't believe you've been weightlifting singer sewing machines *outside* on a day like today(!)
    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 21st Jun 17, 7:40 AM
    • 6,051 Posts
    • 44,127 Thanks
    apple muncher


    We have a trolley thingy which we used to transport it! It was still very tricky, as it was so heavy it didn't sit nicely (was held in place by 3 sprungies/elastic rope thingies) and kept pulling the trolley to make it sit upright. The hardest part was getting it on and off the various buses I used.
    NST Joyful July #2; NSD 11; Ex 18; craft 110; remove 477
    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 Jun 17, 5:20 PM
    • 6,051 Posts
    • 44,127 Thanks
    apple muncher
    No counselling today as I attended a talk on a new secondary school. Interesting, informative and potentially one to choose - once they get planning permission .

    Smug face alert: I did another double workout . Same as a few days ago, but with a laying leg raise using a 3.5k dbell instead of a mid V-up. As you do. Then a beautiful shower and scrub clean.

    Dh went to church for a meeting (not paid) then got asked to fix something (paid). Result. This evening he has to put all the chairs away from the evening meeting, so he'll hear the same talk as me and we can compare thoughts.

    Dh did a food shop this morning and all of aldee's fridges and freezers were broken down .

    Am feeling very much in limbo re mse stuff. So much of what we now do is now engrained in our lifestyle and we don't have to think twice about most of it. Dh has even curbed his £ emporium habit! Much of the last year has been rather limbo-esque, with dad stuff, mum stuff, my own stuff... So I guess that's one good reason! Expending so much energy on the other houses has meant this place has been rather neglected, I suppose, which doesn't engender joy!

    Enough naval gazing. The tennis is on...
    NST Joyful July #2; NSD 11; Ex 18; craft 110; remove 477
    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 23rd Jun 17, 3:30 PM
    • 2,311 Posts
    • 18,599 Thanks
    earthgirl
    Hope the feeling of being in !limbo passes. How are you feeling now?
    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
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