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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 6,530Posts
    • 47,768Thanks
    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 168
    • apple muncher
    • By apple muncher 7th Sep 17, 8:06 PM
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    • 47,768 Thanks
    apple muncher
    I did run some of the way home today , about 2 1/4miles + 1 bus. I also ended up running 1/2 a mile this morning to the bus, when the app informed me it was 5 mins early. Eek!

    Once home, I've not been fit for much. Oops. Running is supposed to invigorate and energise...

    Tomorrow I am not running. No way.

    Paid some more off the mortgage the other day. Yes, we're mortgage neutral, but the more of our savings we can use for Oz, the better.

    Off for some more 4-hour work week reading...
    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 Sep 17, 8:15 PM
    • 6,530 Posts
    • 47,768 Thanks
    apple muncher
    A much needed quiet day. I even managed to send a friend a random whatsapp message that was a photo dd had taken on my phone of a basket of my crafts in front of the singer sewing machine - all whilst doing my shopping in aldee. I didn't realise I'd sent it until she replied!!

    So, washing done, washing up done, sewing done and several ears are now attached, time team watched, dd taken to school and brought back home (I'm good, me!), a chat with dd's teacher re dd's allergies had, fish pie experiment successfully done and eaten, dr appt made, a good sort and clearout of dd's clothes/shoes/coats/dance kit-to-grow-into done, food shopping purchased (used the £1 off £10 in icyland and kept to the list in aldee).

    So, a mundane day can indeed be made to sound rather productive . Let's see what tomorrow brings...
    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 9th Sep 17, 6:21 PM
    • 2,453 Posts
    • 20,141 Thanks
    earthgirl
    Very productive! Funny how busy it all sounds written down! Great running spple.
    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 Sep 17, 8:21 PM
    • 6,530 Posts
    • 47,768 Thanks
    apple muncher
    Another 'productive' day has been had.

    I went out for a morning run before my brain realised what I was doing, and was back and breakfasted before dh emerged. Got a wash done and hung up before taking dd + 2 bags to the Sally Army, where we used £4 credit to get a doll, a book and a top to replace a similar one I have that scratches me. The other 6 ch shops only yielded a tshirt for dh for cmas for £2. We avoided sbux as the q was out of the door, and tried nero's - I'd said dd could have a hot frothy soya drink and I had a coffee myself. We trotted to the bus stop as the bus was coming - I waddled along carrying both drinks (!?!) - and went to dance. Then the afternoon had us all in front of screens! I enjoyed Tim Ferriss quotes and telly and bunny turning out and stuffing.

    My hands are achey. It could be a) the nero coffee wasn't decaf, b) although I did the turning and stuffing carefully, it was still too much, c) the change in the weather, d) old age (this is dd's preferred reason...). My toes are also achey, which might eliminate b)...

    Last week, I was frustrated by my leaving the house times v my arrival at work times. I am considering - on a weds - walking at least the first couple of miles (of 6), which won't save any money as I'll prob still get at least one bus, but might be time to use to learn a language on my phone. Italian probably. There must be loads of free downloads out there. Seems a good use of the time...
    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 10th Sep 17, 8:07 AM
    • 3,543 Posts
    • 27,496 Thanks
    smallholdingsister
    I love that you outwitted your brain.
    • apple muncher
    • By apple muncher 10th Sep 17, 8:08 PM
    • 6,530 Posts
    • 47,768 Thanks
    apple muncher
    I love that you outwitted your brain.
    Originally posted by smallholdingsister
    Some days it is easier than others!


    Made my first vegan cake today, as I wanted to make cake, but not use any eggs. It is edible and I know how I could improve it next time. I also made rasp muffins for dh and used up some of the coconut soya yog (poor purchase, don't really like it).

    It is windy here and pelting down with rain. I am so grateful for having a home, a safe place, a dry place. A place we can cram full of tat and toot as well as things we love.
    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 10th Sep 17, 9:33 PM
    • 6,422 Posts
    • 64,844 Thanks
    greent
    I made an eggless cake from a WWII recipe before for a school project for DD. It was tasty - if a little flat
    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) £5034/£3286
    Net sales 2017 £1221.45/£500 PAYDOX17 £11937/£10k Decluttered 1730/2017 items
    • apple muncher
    • By apple muncher 11th Sep 17, 5:43 PM
    • 6,530 Posts
    • 47,768 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
    Originally posted by apple muncher
    Week 1/12 (late, as usual...)

    Health: really aching toes and hands since Saturday, so much so that I have doubled up my tablets and also been using my fisiocrem again. Not fun. 3 runs completed. Toe stretches going ok.

    Wealth: went to a talk about TPS so I know when I can take it and how. Monies paid off the mortgage. Discussions had re Oz dates, although nowt decided. Still keeping tabs on food spends.

    Life well lived: thenew school year is always rather overwhelming, with the admin required (always 'yesterday' as a deadline, no?). Let alone the new classes/ specifications.... But allocating tasks to set times is helping, and I feel more in control (sometimes). Enjoying Tim Ferriss reading. Enjoying pottering on with the bunnies. Planning the running to fit around what I already do seems good - run home fom counselling, run home from work 1 day, run on a sat morning before my brain wakes up. And considering walking and listening to podcasts is a new approach for me -have to see how it goes...
    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 12th Sep 17, 12:36 PM
    • 6,530 Posts
    • 47,768 Thanks
    apple muncher
    Counsellor seen and run home completed - 3 mins quicker than last week. Go me .
    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 13th Sep 17, 8:17 PM
    • 6,530 Posts
    • 47,768 Thanks
    apple muncher
    Walked the first 3 miles to work this morning. Still got there rather early but felt better about it than last week. The oyster wasn't working on my first bus home - hence a free ride - and I was not then going to 'waste' £1.50 on the mile walk from where I had to change. Therefore, I am just 19 steps short of 20,000 as I write .

    The heating is off, as per the NST challenge. (And common sense) However, we'll soon be attaching the fleece blankets to the lounge curtains, as insulation, as well as hanging up the front door and hall door fleece curtains. Some winows are draughty so we'll use the foam strips on them. And we really must get around to cleaning off the sticky stuff from the window surrounds - from a couple of years ago, I think! The winter duvet will be added to the bed soon enough. And we'll start wearing socks and warmer clothing.

    Dh is up at 5.45 for September, and I follow at 6. So we may want to take the chill off the air for the last week... But that would mean having the heating come on at 5.30 and it is not quiet, so we'd simply lose some precious sleep time!

    Gotta go - dd has told me to read her sch book - a famous 5 one.
    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 14th Sep 17, 5:30 PM
    • 6,530 Posts
    • 47,768 Thanks
    apple muncher
    The famous 5 got away safely and caught the baddies and rescued the treasure. Phew.

    Ran some of the way home again today. Go me (again)!

    It is good to have finished work for the week, but I have a list of things I really need to do for work asap. Doing them will make Monday easier and less stress-inducing. A no-brainer, really!

    Off to re-wash some clothes given us by a cat-owning friend (I find it takes 2 washes to de-catify them), then pick some rasps and stew them with apples and pears.
    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
    • muddywhitechicken
    • By muddywhitechicken 14th Sep 17, 9:23 PM
    • 3,795 Posts
    • 34,614 Thanks
    muddywhitechicken
    Happy 16th wedding anniversary tomorrow Apple
    Have you & Mr Apple got anything special planned?
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: ~£41,500
    Current total overpayments: ~£116,750
    • apple muncher
    • By apple muncher 15th Sep 17, 6:21 AM
    • 6,530 Posts
    • 47,768 Thanks
    apple muncher
    Aww, thank you MWC! Can't quite believe we've done 16 years. Nowt special planned, although we've just decided to get an aldi ready meal for tea. So romantic, we are!
    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 15th Sep 17, 6:30 PM
    • 6,422 Posts
    • 64,844 Thanks
    greent
    Happy anniversary, mr & mrs apple! Enjoy your evening & weekend
    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 15th Sep 17, 8:29 PM
    • 6,530 Posts
    • 47,768 Thanks
    apple muncher
    100 sleeps until Christmas...!

    (I think)
    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 16th Sep 17, 10:21 AM
    • 6,530 Posts
    • 47,768 Thanks
    apple muncher
    Got myself up and out for a run this morning. Went a little further than last week, and ran more and walked less. All good.

    Got myself and dd all ready to go to dance, then to specksavers to sort out her nose pieces, then on to a wedding, getting home at some unknown hour... Then realised that we didn't need to leave for another hour!

    So I've stewed up more free fruit (apples, pears, blackberries and rasps) as I used the previous panful to make a summer pudding (ish). Chickpeas are a-soaking. Lobster (rescued form my dad's freezer months ago) has defrosted and is sitting patiently in a tupperware, waiting to be cut up and the measly amount of 'meat' extracted.

    And flapjacks have been consumed.

    A good use of the extra time, methinks.
    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
    • michelle09
    • By michelle09 16th Sep 17, 11:21 AM
    • 395 Posts
    • 1,471 Thanks
    michelle09
    Happy Anniversary! Glad it was a good one, enjoy the wedding today.
    • smallholdingsister
    • By smallholdingsister 16th Sep 17, 11:29 AM
    • 3,543 Posts
    • 27,496 Thanks
    smallholdingsister
    In the summer I read "Five go parenting", "Five go on a strategy away day" and "Five give up the booze". LMAO but not ideal for DD.
    • apple muncher
    • By apple muncher 17th Sep 17, 7:59 PM
    • 6,530 Posts
    • 47,768 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
    Originally posted by apple muncher
    Week 2/12

    Health: am up and running again - 3 times a week makes me a 'proper runner' I think. Still stretching every morning, and working on my toe which is rather stiff but is definitely more flexible than it used to be. My hands are improving, which is a relief.

    Wealth: 5 NSDs in the week, 1 sainz shop for gf/df foods, £6.50 spent in the w0rks and £4.50 in ch shops (2.50 ona teddy for my niece and 3 on a syl fam hedgehog in its box for dd for cmas).

    Life well lived: a good counselling session, trying to get things done at work (I am taking a group on a day trip to France soonand am chasing paperwork from them, plus 6 new pupils needed letters) was ... well ... trying, as I am still not used to the 2 week timetable differences. Not much time with dh, despite it being our wedding anniversary as we both seem to be super busy at the mo. 2 more weeks of uber busyness ahead... Crafting is pottering on - though losing most of Friday to a false appt slowed me down. Am now readin Tim Ferriss's 4 hour body. If only reading the book was enough...
    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 19th Sep 17, 9:15 PM
    • 6,530 Posts
    • 47,768 Thanks
    apple muncher
    I realised today that I need my time to myself, and it makes things harder when I don't get it. (No need for anyone else to read this - just want to get it out of my head!)

    Last fri I took dd to the failed dietitian appt and food shopped; sat dd and I were out at dance, spocksavers and then a wedding (11am - 7pm ish); sunday we went to church/kids klub (9.30 - 2pm ish); mon I went to work at 6.30am, had a staff meeting after school and went straight to a governors meeting, getting home at 7.45pm; today I took dd to a successful dietitian appt, returned her to school then did an icyland shop before collecting her and then doing the to-ing and fro-ing brownies run. Looking ahead, I'm working weds and thurs, poss out thurs eve to visit a school; fri I'm attending a working together event at dd's school in the morning then going to bham to see mum, returning by sat afternoon as we are going to a PA social (whoop dee doo) in the evening (with dd in tow); sun will be church/kids klub again. Then back to work...

    In short, I need more time than I am getting. (I don't get evenings, as dd is usually in bed only shortly before 9pm and I follow suit within 30mins usually!) What I am finding is that I am getting more anxious, esp re work. And I do struggle emotionally in the build up to visiting mum. And for a few days afterwards too.

    I missed my counselling session and subsequent 'run' home today, which may be compounding how I feel.

    Sometimes it feels like I am in a holding pattern, waiting for mum to die. And then I can grieve for dad - and mum - properly. That probably sounds awful. Sorry.
    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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