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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 6,530Posts
    • 47,776Thanks
    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 167
    • apple muncher
    • By apple muncher 1st Sep 17, 8:03 PM
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    apple muncher
    The month has started. Back to work. My ambitious exercise plans are already unravelling, as I was unable to cycle in - I overdid the digging, transplanting and weeding last Monday,and 4 days hasn't been enough for my poor hands to stop aching. And you use your hands rather a lot when cycling, so I had to forego that sweaty pleasure.

    Work was training, rather a waste of all our time. Yawn. The day was fully allocated so no time to squeeze in any of the pre-term jobs that need doing before the kiddies arrive. Sigh. Ah well.

    I did do Headspace on the bus, and I have done my reading and a workout. And I haven't played 'that' game on my tablet thus far this month.
    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 1st Sep 17, 8:09 PM
    • 2,453 Posts
    • 20,141 Thanks
    earthgirl
    Sorry about the boring training day. I'm struggling with work st the moment and I normally love it! Have a great weekend!
    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 2nd Sep 17, 8:41 PM
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    • 47,776 Thanks
    apple muncher
    A fantastic day. I have such a great bunch of cousins. Big sis couldn't make it, but niece + bf still came all the way down, which is admirable, esp as niece finished her shift at 3am and they caught the 9am train! All to get there for 2pm.

    I got in a sainz shop first thing, to use a money off coupon, so topped up on gf/df for dd and some vegan bits for niece. The buses were running on 'infrequent' as I was so early, so I used the waiting time to nip to icyland and aldee for things on our list. Got the last 4 packs of gf/df hobnob-style biscuits for dd - result!

    Travelling was a good 2 hours each way,but even Clapham junction couldn't thwart our smooth journey. And I chose to do nothing on the train, just look out of the windows. Dh thought I was most odd!

    We are all tired out now and off to bed very very soon...
    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 Sep 17, 8:54 PM
    • 6,530 Posts
    • 47,776 Thanks
    apple muncher
    Yikes! Plan III ends demain and I need another one...

    Will prob nick ideas from my 'life goals' ponderations - prob not very different from previous plans!
    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 3rd Sep 17, 2:02 PM
    • 6,530 Posts
    • 47,776 Thanks
    apple muncher
    So, that is the end of Plan III.

    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 .
    Originally posted by apple muncher
    I think that the Life Well Lived section went the best. Especially that last 6 weeks when dd was also on 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
    • apple muncher
    • By apple muncher 3rd Sep 17, 4:16 PM
    • 6,530 Posts
    • 47,776 Thanks
    apple muncher
    Plan IV ponderations:

    Still looking at Health, Wealth and A Life Well Lived.

    Health: weight, hands, right big toe, exercise, start running again?

    Wealth: save up for Australia in August 18, keep paying down the mortgage, do something about/with my pension, keep tabs on all food spends

    Life well lived: keep a balance, allocate tasks to a specific day (and time too if poss) instead of adding them to an interminable list, enjoy the days I don't work, keep on crafting and reading, enjoy my work
    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 3rd Sep 17, 5:09 PM
    • 3,544 Posts
    • 27,496 Thanks
    smallholdingsister
    Australia wow! The whole family?
    • earthgirl
    • By earthgirl 3rd Sep 17, 5:34 PM
    • 2,453 Posts
    • 20,141 Thanks
    earthgirl
    Love the life well lived ideas apple as usual. Some good points to ponder thanks and good luck 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 Sep 17, 6:48 PM
    • 6,530 Posts
    • 47,776 Thanks
    apple muncher
    Australia wow! The whole family?
    Originally posted by smallholdingsister
    Indeedy! A wedding,no less. stepson is marrying an Ozzie and they'll settle there.

    We need to decide just how much time we want to spend over there. It falls withing the school summer hols so we have a potential 5-6 weeks to play with. It will be costly, no doubt about it. But a chance to see step dd2 who currently resides in Melbourne. And step dd1 + gs should be there from Canada, the first time we will meet him since he was born back in May.

    We have no idea of costs yet - I think we are in the 'ignorance is bliss' phase!
    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 3rd Sep 17, 6:54 PM
    • 3,544 Posts
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    smallholdingsister
    Sounds amazing. At least you have plenty of planning time.
    • apple muncher
    • By apple muncher 3rd Sep 17, 6:55 PM
    • 6,530 Posts
    • 47,776 Thanks
    apple muncher
    Love the life well lived ideas apple as usual. Some good points to ponder thanks and good luck x
    Originally posted by earthgirl
    Thank you .

    I read recently - think it was on the earlytorise website - about how really successful people do not have a to-do list; instead they allocate a task / item to a specific day or time. I have found that I get most done at work when I write in my planner when I'll do something and don't simply add it to my list. I don't aspire to be mega successful though!
    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 3rd Sep 17, 7:05 PM
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    apple muncher
    Dh has gone out to a meeting at church - a 35 min bus journey away.

    Niece is arriving here later on - about 8.30 I think - and staying over. So dd'll go to bed late - she is happy!

    Dh will go and open up at 6.30am tomorrow and I'll leave the house at 6.30am too. Dd has said that she is happy for her cousin to be the 'adult' in the house - even if she is asleep. Just need to tell niece that she will be in charge until dh returns, prob around 8am, so both girls may simply sleep through it all...!

    I'll not be home until 6.30/7pm so unless niece stays another night, I'll only see her tonight. Boo. And of course, she may have plans and be up early tomorrow () which would scupper dh's plan!

    It is all too much for my little brain!
    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 5th Sep 17, 6:36 AM
    • 6,530 Posts
    • 47,776 Thanks
    apple muncher
    'Enjoy the days I don't go to work',eh? First one today and I have a huge list ! A mix of jobs and nicer things but it could easily be double the length it is.

    It has struck me that there is not enough natural daylight at 6.30am for me to happily cycle to work on a Mon. Though I start later on other days, so it may be possible. It's just my pesky hands not being able to grip v well. Hmmm. Maybe I should just go running instead!

    Off to do something from my list that won't wake dd...
    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
    • Betterthanever
    • By Betterthanever 5th Sep 17, 6:41 AM
    • 365 Posts
    • 1,512 Thanks
    Betterthanever
    I love early morning runs in the dark. It took me many years to embrace the mornings (I'm talking 20+ years of running before I actually did one pre working hours!), But I like the quietness of the village and being able to see the sun coming up.

    Mind you, as I currently have a fractured hip, sustained whilst training for a marathon, I'm not exactly digging my trainers out again anytime soon!

    Enjoy working through your list!!

    Current balance £115,428.65. Offset £1,775.31. £113,653.34 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22
    Money for Nothing pot = £392.99
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • apple muncher
    • By apple muncher 5th Sep 17, 12:48 PM
    • 6,530 Posts
    • 47,776 Thanks
    apple muncher
    I am very much a morning peson but Dh currently leaves the house at 6.15 for work, so a morning run would have to get me home before that. Yikes. Probably ain't gonna happen - I'm not that much of a morning person!

    But I did play 'beat the bus' today. And I won . Afer seeing my counsellor, I usually walk up a whopper of a hill and catch a bus fom the top. Today I walked/jogged up the hill and just kept on going until I got home. 3.1 miles, 40 mins. Rather a silly distance, as I've not run since the end of May when I damaged my big toe (pesky ninja jump tucks, eh)...

    How did you damage your hip bte? Get well soon.
    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 5th Sep 17, 8:04 PM
    • 6,530 Posts
    • 47,776 Thanks
    apple muncher
    I love hot baths wih epsom salts.

    I have to do some real teaching tomorrow.

    One owl finished.

    Another NSD.
    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 5th Sep 17, 8:43 PM
    • 2,453 Posts
    • 20,141 Thanks
    earthgirl
    Well done on the running home! I'm debating wether I could cycle to and from work again if I didn't need my car for work in the future. I could get placed in a school about 5 miles away . I used to do it but I'm five years older 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 Sept 17 £22,619
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 5th Sep 17, 9:18 PM
    • 6,530 Posts
    • 47,776 Thanks
    apple muncher
    My bike has started its hibernation early. In fact, it never really left it! We got it ready to use back in May, then I injured my toe. And now, as I said recently, it is too grey and murky and dim at 6.30 for me to feel confident out there. The roads are all busy at that time and there is no 'back road' route. I am quite excited about the running potential though...
    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 6th Sep 17, 6:55 PM
    • 3,544 Posts
    • 27,496 Thanks
    smallholdingsister
    Can you shower at work?
    • apple muncher
    • By apple muncher 6th Sep 17, 7:47 PM
    • 6,530 Posts
    • 47,776 Thanks
    apple muncher
    That is surprisingly tricky to answer! But I think it is a 'no' for many and varied reasons. I also do not have a locker, or anywhere to store smelly kit apart from a teacher workroom. And I'd rather not be kicked out for smelling the place out!

    My hands are still feeble, so there's no point cycling if I can't use the brakes effectively .

    However, tomorrow I shall be running part of the way home, like I used to. I expect to manage 2 or 3 miles of the route, with a bus or two helping with the rest.

    I would love to get to the level where I could just go and run 6 miles. But first I'll aim for 3 runs a week . Consistently. An see where I am in 4 weeks.

    Am making the most of the mornings. Dh is up at 5.45 so I'm getting up just after 6, having some quiet time, doing some stretches, reading, and even some bunny sewing. All before dragging dd into the land of the conscious at 7.15. And when I get home, I'm doing a little more crafting and reading 'useful' books. I reckon that stopping playing jewel pop on my tablet has freed up a lot of time. I'm not at the Tim Ferriss level of a 4-hour work week. Yet...
    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
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