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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 6,053Posts
    • 44,147Thanks
    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 163
    • apple muncher
    • By apple muncher 12th Jul 17, 5:21 PM
    • 6,053 Posts
    • 44,147 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 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 12th Jul 17, 10:12 PM
    • 2,313 Posts
    • 18,607 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
    • 6,053 Posts
    • 44,147 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 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
    • CathT
    • By CathT 14th Jul 17, 2:04 PM
    • 5,197 Posts
    • 35,690 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.
    July 2017 -
    part 1 - £80,702
    part 2 - £46,583
    Total - £127,285
    • apple muncher
    • By apple muncher 14th Jul 17, 3:23 PM
    • 6,053 Posts
    • 44,147 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 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 14th Jul 17, 8:01 PM
    • 6,053 Posts
    • 44,147 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 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
    • greent
    • By greent 15th Jul 17, 3:51 PM
    • 5,936 Posts
    • 59,960 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) £3490/£3286
    Net sales 2017 £753.38/£500 PAYDOX17 £10335/£10k Decluttered 10/2017 items
    • apple muncher
    • By apple muncher 16th Jul 17, 7:46 PM
    • 6,053 Posts
    • 44,147 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 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 Jul 17, 8:16 PM
    • 6,053 Posts
    • 44,147 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 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 Jul 17, 8:24 PM
    • 6,053 Posts
    • 44,147 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 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 Jul 17, 8:12 PM
    • 6,053 Posts
    • 44,147 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 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 Jul 17, 8:02 PM
    • 6,053 Posts
    • 44,147 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 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
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