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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 6,171Posts
    • 44,931Thanks
    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 163
    • apple muncher
    • By apple muncher 12th Jul 17, 5:21 PM
    • 6,171 Posts
    • 44,931 Thanks
    apple muncher
    We had a lovely catch up with our friends. The food was £24 and the drinks another £19. Guess where they make their money...?

    I have done shred #9 and tomorrow I move up to level 2. Gulp.

    Today I have made/finished 20 (!) gorgeous lavender bags andcut out 7 dolly/teddy combos.

    I have also booked us a holiday. Eek. North Wales. Easily accessible by train - in fact there is a direct train there from Lunnon and the train cost is reasonable for the 3 of us - off-peak, bien sûr. There is a 24 hour tosco round the corner - hence gf/df food should be easy to obtain. And several gf eateries nearby. Job done .

    Right. I fancy egg and chips for tea. Best go do some prep.
    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 12th Jul 17, 10:12 PM
    • 2,357 Posts
    • 18,952 Thanks
    earthgirl
    Sounds great with the holiday. I love north wales. Well researched!
    I remember shred level two from a long time ago..take my hat off to you!
    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 13th Jul 17, 8:02 PM
    • 6,171 Posts
    • 44,931 Thanks
    apple muncher
    Shred level 2 #1 complete. Though it was rather 'heavy' on toe usage so I need to get creative about alternative exercises. Especially the fore and back lunges and the plank jacks and the squat thrusts...

    Survived the scrummage in aldee around the school uniform specials. Bagged what I went for: a spare skirt and 2 cardis, for around £8.75.

    Apart from that, another lazy day. Dh had a meeting up in Lunnon, so I opted not to nip to work (ha, ha: nip?? The travel alone needs 2 hours!) so that I could enjoy having the house to myself. I turned all the dolly and teddy parts the right way round, stuffed as many as I had stuffing for, and cut out a gazillion skirts, tops, nighties, small bags and big bags. And I posted some stuff on gumt, for collection when I am next at mum's. And edited the photos on my phone.

    Tomorrow is now allocated to 'nipping' into work for some physical stuff I need to do there, and possibly some work, depending on how long the first job lot takes. And then it gets exciting... I reckon that my fabric stash has run so low that I need to trawl around the ch shops to get some more. There are 5 nearish to work; 5 more if I stop off part way home; and a potential 7 more if I'm out of work lickety split. So, motivation to be speedy at work. And I have to be back at dd's school by 2pm for an open pm so no wiggle room.
    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
    • CathT
    • By CathT 14th Jul 17, 2:04 PM
    • 5,263 Posts
    • 36,108 Thanks
    CathT
    North Wales is fabulous! Whereabouts are you going?

    I am a shred fan (when I have the motivation to do it!). I actually prefer level 3 to level 2 as I'm no the biggest fan of mountain climbers or plank jacks! Keep going, it definitely gives results and doing the 30 day shred is some commitment.
    August 2017 -
    part 1 - £81,002
    part 2 - £46,583
    Total - £127,585
    • apple muncher
    • By apple muncher 14th Jul 17, 3:23 PM
    • 6,171 Posts
    • 44,931 Thanks
    apple muncher
    We are staying near Llandudno Junction. Am so excited already!

    May take today off from shred - dodgy left hip/lower back joint. And achey toe too. Cor, what a whinger!

    Only spent 1 hour in work today, but it was well spent and I finished my 3 jobs there. Not planning on going back until results day.

    And I got a reet good fabric haul! Possibly too much... if such a thing exists...
    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 14th Jul 17, 8:01 PM
    • 6,171 Posts
    • 44,931 Thanks
    apple muncher
    Shred #11 done. Go me! Substituted all lunging parts with squats or side lunges, and plank jacks became half-squat jumps. All in all, better for my toe. And hip. And back. Am off to mum's in a few days so will have to experience shredding with no weights!

    I would not have thought I was capable of exercising so often...
    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 15th Jul 17, 3:51 PM
    • 6,090 Posts
    • 61,522 Thanks
    greent
    Well done on keeping it up, apple
    x
    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 16th Jul 17, 7:46 PM
    • 6,171 Posts
    • 44,931 Thanks
    apple muncher
    Shred #12 done, plus 26k steps.

    It was a much longer journey up here as my starting point was church, not home. So a 15 min walk + 35 min bus trip just to get to the train station. But it all went smoothly, I had a seat on every train, and I walked the 2 miles from the train stn to mum's.

    A friend has agreed to paint the house for us over the summer - yay! Tomorrow, I'll have to add 'buy paint' to my long list. He'll get the white, but was reluctant about the coloured paint. I thought that pale green and cream were simple, but can understand him not wanting to get it wrong.

    Best get a wiggle on with some sorting...
    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 18th Jul 17, 8:16 PM
    • 6,171 Posts
    • 44,931 Thanks
    apple muncher
    And back home again! A super smooth journey which meant that I was home in time to get dd from school. On the last train, I sat on the other side of the carriage from normal, and had a whole new perspective on the journey. It was fascinating!

    Shred #14 done. It worked well without weights up at mum's and I have had to do a lot of exercising substitutions this time - sooo many squats to replace lungy-type things. Ooph. Therefore, doing it back home avec weights was much harder. My legs were jellified and might object tomorrow...

    Managed to salvage dh's receipts that he'd put out for recyc, as part of my quest to note the destination of every single penny this month. I might have racked up 11 NSDs thus far, but the pile of receipts is rather large...
    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 Jul 17, 8:24 PM
    • 6,171 Posts
    • 44,931 Thanks
    apple muncher
    A bitty day, toing and froing with dd. Took her to school and went back home for 40 mins. Picked her up and caught the bus direct to the hospital where we were seen quickly and were out by the time our appointment arrived. Too early to eat lunch there so we came home to eat, then I took dd back to school for the afternoon, came home and read a bit and did shred #15, then went back to collect her from school.

    Level 2 shred does make my toe hurt more, even with my modifications, and it is more swollen and also bends less than it used to. Just as well I am taking my toes to see the doc/fox tomorrow then.

    Dd recently completed her 'new foods' chart. It has 24 spaces. Only took her 12 months this time - the previous one must've taken 2 years! So we've bought her her own digital camera from eebay. And she loves it!

    Just 2 more get ups with dd. End of year presents nearly sorted. Two lots of teachers and TAs this time, thanks to the change of class. But they are all getting a plant. The TAs' ones are wrapped in cellophane with ribbon, and the teachers get one in a pot, plus a set of post-its in the shape of their initial. Total cost: £8.80. Still need to do the Head and Deputy... would like it to be a little more than the current lavender bag each...
    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 20th Jul 17, 8:12 PM
    • 6,171 Posts
    • 44,931 Thanks
    apple muncher
    The dr sent me to have my toe xrayed, so I duly trotted off on the bus to do it. Very simple, no fuss. Results in a couple of weeks once the experts have pored over it...

    Skived off shred today. Not proud. Stuffed my face with sugary foods. Even less proud. Sigh.

    The adventure up to liddle was okay but prices were comparable to aldee, so we'll stay with aldee. Which doesn't require a bus journey either, thus saving us some pennies. Dh has noticed how much extra we are spending now that we don't get dd's gf bread on prescription any more and have to buy it @ £3 per (small) loaf. He is becoming more and more aware of our much reduced income, which is good.

    Dd had a troubled night -she was obviously upset and dreaming unhappy things, until 1.30am. When I asked her about it this morning, she said she'd been dreaming I was going to bham without her. Poor thing. So she is super tired now and I'm hoping for an early night for the pair of us.

    My cc bill arrived - I booked the holiday on it - and it requires half of my salary to pay it. Yikes. Dh has suggested that we use our tosco points to pay towards the train tickets, a good way to save 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
    • apple muncher
    • By apple muncher 21st Jul 17, 8:02 PM
    • 6,171 Posts
    • 44,931 Thanks
    apple muncher
    Shred #16 done.

    Presents for Head, Dep Head and office staff duly wrapped and given (total cost £8.80, again!)

    Finally did some prep for work next year. I'll be teaching 4 different year groups and they all have a new text book from when I have taught them previously. I have the structure of the first half term sussed, and hope to be able to 'rinse and repeat' for the rest of the year...

    Also did a little sewing and knitting. I am having to stop myself starting new projects until I finish these ones, as I know what I am doing with them, but might forget if I put them aside for a while.
    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 22nd Jul 17, 8:56 PM
    • 6,171 Posts
    • 44,931 Thanks
    apple muncher
    Shred #17 done. Moving up to level 3 tomorrow. Gulp.

    2 bags to Sally Army today, where we found a treasure trove of Leslie Charteris' The Saint books - 3 for 2, £1 each, so 9 books for £6, which we bought using credit from donations. Result. Dd also had a book - 99p - and when she asked how much a small toy was, she was given it for free. Yay! 0xfam yielded a boxed duo of brand new M0nster H1gh dolls for £7. And then instead of going in to Starbux, we came home.

    We were fortunate to miss most of the pouring rain. Having to stay in meant that I overcame the ironing pile whilst watching the Tour time trial, as well as finishing knitting Santa #10. They all now have eyes, a mouth and a belt buckle and just need sewing and stuffing. I know how to rock a rainy saturday afternoon.

    I am extremely grateful today that despite all the recent rain, I have not heard the ominous drip, drip, drip sound in my wardrobe that means that the container in the loft that collects the rain that comes in through a gap/hole/leak hasn't overflowed. Phew. (I keep my clothes in the spare room wardrobe {doesn't lead to Narnia...} as they have been soggified twice)
    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 23rd Jul 17, 7:01 PM
    • 2,357 Posts
    • 18,952 Thanks
    earthgirl
    Well done with shred, glad your toe has been seen!

    Hope you all enjoy the hols!
    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
    • Greying Pilgrim
    • By Greying Pilgrim 23rd Jul 17, 7:14 PM
    • 3,670 Posts
    • 40,046 Thanks
    Greying Pilgrim
    S (I keep my clothes in the spare room wardrobe {doesn't lead to Narnia...} as they have been soggified twice)
    Originally posted by apple muncher
    Ooof! apple y'all has invented a new word! Disappointed that your wardrobe doesn't lead to Narnia thought they all did...... not that we have one mind........

    Greying X
    'Ich habe genug'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • apple muncher
    • By apple muncher 23rd Jul 17, 8:23 PM
    • 6,171 Posts
    • 44,931 Thanks
    apple muncher
    I think that they may have to be real wood and not laminate or pretend ones... Step son-in-law is a chippie and only works with the real macoy. Shame he lives in western Canada...
    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 23rd Jul 17, 8:44 PM
    • 6,171 Posts
    • 44,931 Thanks
    apple muncher
    Time for an update - have been rather slack on doing this for plan III, prob due to not having the routine of school to keep me on track.

    Week hmmm/12 (will have to skulk off while nobody's looking and find out where I'm at...) Yikes 6/12 already...

    Health: as mentioned recently, the toe is being prioritised for a while. I also need to arrange for my annual bloods (coeliac -y ones) and then get just 1 appointment to get both results. Shred level 3 done today,with just a few substitutions, so shred workout #18. I do feel stronger and am able to do more reps/ keep proper form for longer each time. Still eating some rather rubbish foodstuffs. Sigh. No counsellor visits for a couple of weeks as he has been away. My visit to mum didn't wipe me out as much as usual, although I do still find the whole travelling, doing things on/in the house and visiting mum exhausting.

    Wealth: am keeping a close eye on July's outgoings, especially the food purchases, as we both know that this has gone up rather a lot recently. We were going to use tesc0 vouchers to buy our train ticket to go on holiday, but are looking for ways to quadruple them, rather than just double them (and with the amount we have, that wouldn't pay for the whole train journey anyway, and I'd rather not have to get off at Crewe and walk the rest...). We are all looking forward to the holiday.

    Life well-lived: dd and I went through some of my craft books this evening and have put post-its on projects we would like to do. We plan to spend a day in Lunnon doing a walking HP tour. It feels like we are really on holiday now that dd is off too. Am slowly pottering on with clearing/tidying - which will no doubt grind to a standstill once dd and I start crafting , and just create more 'piles of stuff'.

    That'll do for now...
    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 Jul 17, 8:04 AM
    • 6,171 Posts
    • 44,931 Thanks
    apple muncher
    The first day of her holiday, and somehow, dd is still in bed and quiet!
    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 24th Jul 17, 9:40 AM
    • 6,090 Posts
    • 61,522 Thanks
    greent
    The first day of her holiday, and somehow, dd is still in bed and quiet!
    Originally posted by apple muncher
    May that continue! (DS3 was awake and up at 6.10 here.... - am hoping that improves! )

    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 Jul 17, 2:54 PM
    • 6,171 Posts
    • 44,931 Thanks
    apple muncher
    I finally woke her at 8.30 - I need her to sleep tonight!

    Playdate friend is here and they have spent 4 hours making their own video. About toddlers having tantrums. Currently they are 'rapping'. I have sought refuge upstairs for a bit...
    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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