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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 6,522Posts
    • 47,735Thanks
    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 162
    • apple muncher
    • By apple muncher 1st Jul 17, 6:47 PM
    • 6,522 Posts
    • 47,735 Thanks
    apple muncher
    Dh returned without new footwear, but with a lightweight silvery-grey bomber-style jacket. Sigh. Although he did get dd some gf bits from the big sainz plus some stuff from the £ emporium. I have his receipts!

    On the way to dance, we discovered a 'jumble trail' where over 60 households were selling stuff in their front gardens. In a ch shop, I spent £1 on 4 Jillian Michaels dvds; and the rest was from the jumble trail (we only looked at a few as we had to get home) 50p on some beautiful bath bombs as a present; 10p on some cat earrings for big sis; 10p on a small but heavy pretty metal fairy for dd.

    Then a quick turn around for lunch and off to dd's fair where a grand total of 80p got here a few sweets and a pocah0ntas doll with good articulation. Bargain.

    How much of the purchases were needed, rather than wanted? Probably the dvds, sweets and doll. Or I could class them as 'luxurious frugality'. I will try out the dvds - much cheaper than any class. The sweets were the only gluten-free option available for dd. The dolls with articulation are rare to find. There. Justified it!
    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 2nd Jul 17, 11:28 AM
    • 6,522 Posts
    • 47,735 Thanks
    apple muncher
    Started the day at 4.30 with a helicopter flying round and round. At least helicopters don't get nicked by joyriders, they are only used for official purposes. And we did go back to sleep, so not too much sleep lost...

    Dh went off to church to do PA. Dd and I stayed home - she needs to potter.

    I have done a lonnng workout. 36x10/30. Resulting in 357 low jack (no arms); 52 each leg sandbag deadlift; 249 jump squat.
    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 2nd Jul 17, 7:49 PM
    • 6,522 Posts
    • 47,735 Thanks
    apple muncher
    Week 3/12

    Health: more uppy downy than recently, with being sad. A good session with the counsellor was, as ever, useful. After each session, I can do a 10 min flat walk and wait 10 mins for the bus; or do a 20min very uphill route and wait 2 or 3mins for the bus. I choose the latter as I enjoy the physical challenge and the time for my head to ponder what has gone before. 3 workouts and plenty of walking done. Big toe is still mending. I can do jump squats with it, but wouldn't dream of doing lunges where weight is borne on the toes. It's been 5 weeks; maybe I should pop along to my GP? I watched a J Michaels 30 day shred dvd today and it looked rather tame compared with my Zuzka Light workouts.... Hmmm, still pondering whether to do it or not...

    Wealth: going well. Planning to get control of it all this month . 4 NSDs. Sensible spends on food; other spends v small and all with a purpose. Got caught up on moving my exam mod and mar pay to the right savings account, and moving money from my own account to the everyday account, and moving expenses to the right account, so it all is as it should be. And is less scary. I have a job that I enjoy, on a permanent 2 day contract. I get extra exam board work that brings an extra month's worth of pennies. I love my crafting and get to make a few ha'pennies every so often.

    Life well lived: mostly what I have already said. Quiet times, headspace, walking are all going well. Today I made a list of what I think I want to have on my Cmas stall(s) . And dd and I found a simple pattern to make a nighttime dolly with clothes, nightie and a drawstring bag that looks lovely - and I already have the fabric for the project! This coming week is my last week before my summer hols. This creates a v different attitude for the week.
    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 2nd Jul 17, 8:53 PM
    • 2,489 Posts
    • 20,135 Thanks
    earthgirl
    Apple this all sounds so lovely, warming and positive. I'm sorry that you have been feeling sad, you come across as so thoughtful and optimistic. I hope you are feeling ok.

    Great result with sorting wealth, life well lived and health. Maybe see about the toe. I've forgotten, has a fox seen it before? Healing vibes and hugs x
    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 3rd Jul 17, 7:45 PM
    • 6,522 Posts
    • 47,735 Thanks
    apple muncher
    I retract my previous statement about shred looking tame. It might have been because I did a hard workout yesterday. It might have been that I ambitiously used weights that were too heavy. Or it might be because the workout really was quite tough...

    And I have done over 15k steps too.

    A good day at work has been had.

    Dh earned even more pennies.

    Dd has done some homework - happily!
    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 4th Jul 17, 4:47 PM
    • 6,522 Posts
    • 47,735 Thanks
    apple muncher
    Shred day 2 done. Repetition of day 1, same weights, but I managed more of it. And I've a goodly load of steps in my pocket already, and that's before I do the brownies run.

    Had a lovely day at work. Did a y7 PE cover where we did tennis. And I had some good chats with the girls.

    I have a cousins' reunion at the start of Sept, which will coincide with the end of my current 12 week plan. And - coincidentally - will give me time to do 2x 30 day shred-style challenges! Aren't I the lucky one.

    But it is needed - dh now weighs significantly less than me, plus a good friend has now dropped half a stone and also weighs plenty less than me. Time to be a little more serious about it and stop wearing big, nay massive, girl nix!
    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 5th Jul 17, 10:38 AM
    • 6,420 Posts
    • 64,813 Thanks
    greent
    WIth you on that last sentiment, apple - I used to weigh the same as OH when teens were small (not that that's a good thing - he's 8" taller than me and male, after all) Now I am maybe 2.5- 3 stone heavier than him - and about double what I weighed as a teen (I was tiny, but even so.... ) Haven't done any exercise since Easter (how rubbish am I?!) so my plan is to get back into it before my lots break up later this month and then carry momentum on in hols. It's not just exercise for me though - I eat waaaaaaaaay too much - need to get a calorie deficit going - am probably well in excess most days...

    Back to you - SO much has gone on in the last year (let alone since you started your diary) yet you do remain such a positive sounding person - and have achieved technical MF-dom - and with excess savings! - fab stuff 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 5th Jul 17, 9:15 PM
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    • 47,735 Thanks
    apple muncher
    Thank you greent! How is your midden? We live in one too, but only have 3 of us, so less need to clear it up!

    Shred #3 today. Ooph. I think I am doing the exercises with better form, hence some aches. I am also waaay too old to only do the 2 min warm up and cool down on the dvd. So tomorrow, I shall do a much more thorough warm up (back to Zuzka Light for that one) and possibly ditch the weights for a couple of the exercises...

    Another really good session with the counsellor and I have since made a good attempt at enjoying the moment, not waiting for the next 'bell' to ring. Having been in education - either on the receiving end or the dishing it out end - for practically all my life, I am like Pavlov's dog when a bell rings!!

    Got home to a letter from the tax man. In true big girl nix style, I put it to one side for a while . Then it occurred to me that it might be a rebate... and it was. Yay! £150 ish. Thank you very much indeed.

    Now I can replace my walking shoes and sandals - both of which have had a goodly portion of their sole worn away - without guilt And without dh nagging at me for spending .

    I picked up 2 badminton rackets for £2 today, as dd has loved her tennis/ table tennis/badminton/cricket club (!). Just need the shuttle thingies now...

    Tomorrow is my last day before the hols . Plenty of clearing up to do, despite feeling like I've spent the last 4 weeks doing it... It would be wonderful to leave the room ready to return in sept, all done and dusted... and not have to go in during the holiday...
    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 6th Jul 17, 3:04 PM
    • 6,420 Posts
    • 64,813 Thanks
    greent
    Lol apple - definitely still midden-like here, although I di just rope the teenagers in and we emptied dw, hung washing out,wiped kitchen sides, vacuumed downstairs, mopped kitchen and took all ironed and non-ironing laundry upstairs in the space of about 45mins or so between the 3 of us - so it has improved Will mop hallway and clean downstairs loo in a mo (have DD collecting DS2 and DS3 from school - but I did buy her 2 pairs of jeans and 2 tops today, so she can't really complain! (quite a decent bargain at £32 for all 4 items from H&M)) and then at least it looks passable when you come in!

    Fab news re refund - and I think those new sandals and shoes sound like a definite needed purchase

    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 6th Jul 17, 5:53 PM
    • 6,522 Posts
    • 47,735 Thanks
    apple muncher
    Tis finished for a few weeks now. Phew.

    Got home and seeing as how I had 29 mins until I needed to collect dd, I did shred again. Just had time at the end to rinse off my face, change out of my sports bra and throw on a dress and get her! So, shred #4 done. With weights. No wimping out here...

    On my way home I popped into spocksavers - oooh, the air con...!- and made an appt for dd for this sat. Very unexpected - thought we'd be waiting weeks - as we're limited timewise as it'll take us 45-60 mins to get there, then we need to leg it afterwards to do the 40min journey to dance...

    Also had a chance to pop into some ch shops, and found myself some karr1m0r sandals for £3. Forget waiting 72hrs, Mrs Frugalwoods. I nabbed 'em!
    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 6th Jul 17, 8:13 PM
    • 2,489 Posts
    • 20,135 Thanks
    earthgirl
    Great bargains apple! Congratulations on finishing for Davy knee and to your unending enthusiasm.
    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 7th Jul 17, 6:59 AM
    • 6,522 Posts
    • 47,735 Thanks
    apple muncher
    Poor dh - he is very happy that today is his last day of extra caretaking. 2 extractions = pain. Yesterday he was up at 5.40 to go and caretake until 2 ish, then home and off on the trek to the dentist, then back home going via the school to lock up, 10mins at home gave him time for a quick shower and painkillers before heading out to do PA for a band rehearsal, and he grabbed a lift home, getting back for 10pm. Then up again at 5.40...

    Today - my first day of the hols - will probably be just like any other Friday, but will include the school run, library, sainz, shred, the Tour, Wimbledon , knitting, and a snooze. (I didn't sleep well - woke at 3.33 and then at regular intervals after 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 7th Jul 17, 11:25 AM
    • 6,522 Posts
    • 47,735 Thanks
    apple muncher
    School run - done. Dd's year are off to a local scout place for climbing, assault course and bonfire after lunch and a friend is bringing her home .

    The library got missed out because my bags were heavy with shopping. I found a points receipt for 40 points in sainz, so claimed that.

    I have done shred #5 and can settle down for the rest of my taxing list: Tour, Wimbledon, knit, snooze...
    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 8th Jul 17, 8:08 PM
    • 6,522 Posts
    • 47,735 Thanks
    apple muncher
    Finally got in a snooze. Okay, it was several, as the doorbell rang and woke me. I'm v surprised I fell asleep again. I even missed the last few km of the Tour...

    Dd's school is having a healthy eating week - which she hates as she gets upset when she has to record what she eats and other people see it. However, it has been a really good thing as she has tried to increase her fruit/veg intake each day, to reach the 7 a day goal. Okay, so I have played fast and loose with what constitutes a 'portion', but I am seriously proud of my formally-nearly-food-phobic munchkin. And she plans to continue with it

    The shred dvd has had a rest today as a couple of muscles round my left hip were too sore and hurty to do it today. Back to it tomorrow, possibly with a couple of modifications... thinking of replacing the static lunges (which I have already replaced with Bulgarian split squats) and the side lunges with simple squats as that should not aggravate the niggles...
    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 8th Jul 17, 9:39 PM
    • 2,489 Posts
    • 20,135 Thanks
    earthgirl
    Sorry apple I've just realised that my posts always contain a little bit of predictive text nonsense! Will read them more carefully, although asking you if a fox has seen your toe did make me giggle!

    Anyway congrats on finishing for summer x
    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 9th Jul 17, 8:05 AM
    • 6,522 Posts
    • 47,735 Thanks
    apple muncher
    Earthgirl - I confess I hadn't even noticed! I guess I must autocorrect it automatically in my head!

    Off to shred again... I fear that if I 'leave it until later' then I won't ever get around to it.
    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 9th Jul 17, 8:51 AM
    • 3,541 Posts
    • 27,485 Thanks
    smallholdingsister
    I didn't notice either. Sandals sound good.
    • earthgirl
    • By earthgirl 9th Jul 17, 7:53 PM
    • 2,489 Posts
    • 20,135 Thanks
    earthgirl

    Great result with sorting wealth, life well lived and health. Maybe see about the toe. I've forgotten, has a fox seen it before? Healing vibes and hugs x
    Originally posted by earthgirl
    Just a stupid example!
    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 10th Jul 17, 8:58 PM
    • 6,522 Posts
    • 47,735 Thanks
    apple muncher
    Shred #7 done, hip no worse, so all good. I still find all the exercises challenging, and am wondering what level 2 will have in store... Only 2 more days at level 1. Gulp.

    I accompanied dd and her class to a concert where they were singing. We were on the front 3 rows so had eye contact with the orchestra and the 3 narrators (one used to be in Tracy Beaker, which excited dd no end), plus we had the experience of hearing all the singing from behind us. Awesome. Dd is very happy in her class - I had the chance to tell the Head and to thank her for moving dd.

    Got inspired to make some lavender bags this afternoon. Tomorrow I plan to sew up the final seam and also add more decoration, ribbon, pretty stuff.

    We are meeting friends for lunch tomorrow at thelocal harvester - safe for me to eat and not too expensive. Anyhow, we have the £40 I saved a few weeks ago by not frequenting the same place.

    My sandals are a good fit, comfy and I am basically unaware that they are new. A well spent £3, that was.

    No fox has seen my toe... It is still a little swollen at the end of the day, and does have limited bendiness. But I am able to shred and do plenty of walking, so will continue to keep an eye on it.
    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 10th Jul 17, 9:40 PM
    • 2,489 Posts
    • 20,135 Thanks
    earthgirl
    Glad you had a great time at the concert and the toe continues to improve. Enjoy your lunch.
    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
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