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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 6,418Posts
    • 46,823Thanks
    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 Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
Page 170
    • Watty1
    • By Watty1 25th Sep 17, 10:09 AM
    • 2,835 Posts
    • 19,639 Thanks
    Watty1
    Hope you felt well enough to survive the day
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • apple muncher
    • By apple muncher 25th Sep 17, 8:02 PM
    • 6,418 Posts
    • 46,823 Thanks
    apple muncher
    Ha - I got taken for cover! Y11s. But I've known them since they were littlies, so it wasn't too onerous and they all did the cover work whilst I sorted the trip paperwork and documents. I got stuff completed and handed in for checking which is a relief - I knew it was 'bugging' me, but hadn't realised just how much anxiety it was causing.

    I did feel rather rough at middayish, but just plodded on and didn't leave early - figured I'd prefer completing my marking today than have to do it on weds.

    I practiced the breathing on the bus and was nearly asleep...

    Am soooo ready for sleep now.
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 25th Sep 17, 8:08 PM
    • 6,418 Posts
    • 46,823 Thanks
    apple muncher
    Oooh, have got 2 refunds from v1rg1n trains on the way. One for on the way up to big sis in the summer and the other for on the way back! Well worth the effort.
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Watty1
    • By Watty1 26th Sep 17, 4:06 PM
    • 2,835 Posts
    • 19,639 Thanks
    Watty1
    Yay on the refunds
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • apple muncher
    • By apple muncher 26th Sep 17, 8:51 PM
    • 6,418 Posts
    • 46,823 Thanks
    apple muncher
    Indeedy! Tho I confess to not knowing how much they are for...

    Had a really good session with my counsellor today - came away feeling very buoyed up.

    Met dh for a sainz shop and used our first 6 off 40 voucher.

    Mowed the back lawn

    Dh has taken some offset money to 'play with/invest' so we may be back to paying interest again. Yikes. But I now have a goal once more and dh is happy for me to still pay down the mortgage.

    Went to see another sch and was surprised to rather like it. Dd will need to see what she thinks too.
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 28th Sep 17, 8:14 PM
    • 6,418 Posts
    • 46,823 Thanks
    apple muncher
    I am glad my working week is done. My anxiety lessened as the week went on, always a good thing. It is probably connected to dh finishing the early morning work.

    Got some absolutely awesome ch shop bargains today for a grand total of just £2. An Animal hoodie, 2 vest tops, 2 teeshirts (I have realised that round-necked teeshirts do not flatter me, so am looking out for v-necked ones or ones with a collar and maybe buttons, like the ones I found today) and a skirt that I might be able to use for running. The hoodie was £1, which I thought was excellent. Then I found the 5 for £1 rail. Joy! And I still caught the next bus home - I did have to run for it with an armful of clothes!

    Sorted out a money thing to do with my trip at sch today. Thankfully, it was me not understanding the system rather than it being wrong. Phew! I have found a treasure hunt for the town we are going to, which gives me another thing to do, to cover all sorts of weather. So now we seem to have: walk around the walls, picnic lunch, cafe, cathedral, crypt, treasure hunt.

    We had a lovely surprise skype with stepdd and gs today, which got dh out of his grump, phew. And tomorrow we have stepds and gf to tea, so can pick their brains about the wedding and try to make plans. It seems that everyone is waiting for others to decide their timings/dates before committing to any themselves!
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 28th Sep 17, 8:58 PM
    • 2,453 Posts
    • 19,753 Thanks
    earthgirl
    Wow what great charity shop finds Apple! And glad the working week is done and that stress is out of the way. I hate trip organising and taking trips. Did it twice and vowed never again! You sound such a lovely teacher tho, much nicer than me!
    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 30th Sep 17, 3:05 PM
    • 6,418 Posts
    • 46,823 Thanks
    apple muncher
    Back from work. Ooph. Left the house at 7.15am and returned at 2.15pm. For a 9-1 open morning. No food provided at all for staff, which I think is rather poor. However, we saw over 50 families in our room and they were all lovely.

    Dd is at brownie camp. Her first time away, apart from one overnight stay at a friend's house. Dh has painted part of her room as a surprise for her.

    There is a sherlock holmes on for the next 2 hours, so I shall snuggle down on the sofa and try to doze off. We turned the light out at 8.45 last night and I slept soundly, but need more. Still not recovered from last weekend's nasty cold.
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Watty1
    • By Watty1 30th Sep 17, 4:12 PM
    • 2,835 Posts
    • 19,639 Thanks
    Watty1
    Hope you are catching up on some zzzzzs
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • apple muncher
    • By apple muncher 30th Sep 17, 7:36 PM
    • 6,418 Posts
    • 46,823 Thanks
    apple muncher
    I grabbed a few zzzzzs - sherlock was a super old one and very hard to follow - it was the sencond part of 2x2hrs long!

    To sum up September:

    NSD - 20
    Exercise - 15
    Read - 25 (or 26 if I do it tonight)
    Food spends: £310 - down £10 on last month (and since finishing his caretaking work, dh seems to have lived in aldee... we have full cupboards!) £100 of that was in Sainz - nearly all was gf/df foods.

    October:
    9 days at work (that's not very many!)
    22 days not at work (we have 2 weeks at half term)
    4? counselling visits
    3 dance classes
    1 visit to mum's at half term
    1 trip to the theatre with dd's class
    1 open morning to visit
    1 day trip to France run by me
    1 VI form info eve
    1 hearing test

    The NST October challenge:
    20 NSDs
    Get ready for winter - health/travel/home/maintenance/neighbours
    Start Cmas prep

    I have 4 potential fairs in Nov/Dec so need to have enough stuff for that. If I have too many days like today, then I'll not be ready - I got home, ate my lunch and have done nowt of much use since.

    But I did make tea - red lentil dhal and a chicken curry. It went down well with dh and will do another meal.

    Dhal and suchlike features on Tim Ferriss's radar, so can be considered a good thing.
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 1st Oct 17, 5:32 PM
    • 3,393 Posts
    • 26,476 Thanks
    smallholdingsister
    No food for staff seems to be a developing theme. I thought it was in our ts and cs.
    • apple muncher
    • By apple muncher 1st Oct 17, 5:33 PM
    • 6,418 Posts
    • 46,823 Thanks
    apple muncher
    Collected dd from brownie camp, all the girls looked exhausted! It is very good to have her home. And she is very glad to be back. She'll be having a bath and an early night tonight.


    The month has started with my first NSD, and some crafting. Dd and I also made some paper chains for her room. While she was away, dh painted a section of her room, which she loves, so the chains are to accessorize it.
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 1st Oct 17, 5:46 PM
    • 6,418 Posts
    • 46,823 Thanks
    apple muncher
    Found an awesome recipe for chickpea cookie dough mix:

    Drain a can of chickpeas (save the juice to make vegan meringue!) And toast them fo 10-15mins. Zap with 2 tbsp pea butter, 3 tbsp maple syrup (I use 2 tbsp honey and it's still too sweet), 1/2 tsp cinnamon, 1/4 tsp salt). Then mix in 2 tbsp choc drops (I omit this). Roll into balls and store in the fridge.

    Then today, I had no chickpea tins, so used gram flour (4 oz) instead. I had to add more pea butter and a few dribbles of water to get the right consistency, but it has turned out okay. Very happy with the result.
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (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 Oct 17, 6:26 PM
    • 6,418 Posts
    • 46,823 Thanks
    apple muncher
    Out and about before work, looking for things for my niece's 21st. Found a lovely notebook so I can write in some simple and easy vegan recipes for her. Also got her a seaweed bath bomb from lush, as it's one that doesn't irritate her skin. Found 2x HPotter notebooks in the w0rks, for dd + a friend at Cmas, and they had the 10 cards for £1 so I got ... 10! Then on to Marks. Dd and I have both had nix from primarni recently, and the elastic in them has simply unravelled, meaning they don't stay up. Eek. so, back to Marks. I also got myself some needed socks, some not-so-needed thermal socks and a high-impact sports bra (for when I'm fighting fit...) that was much reduced. £48 gone in a puff of smoke... And that was just Marks.

    We are coping with no heating still, but noticing the morning chill.
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 4th Oct 17, 7:23 PM
    • 2,453 Posts
    • 19,753 Thanks
    earthgirl
    We have had a little bit of heating on for a week now. Under blankets just 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
    • greent
    • By greent 4th Oct 17, 7:56 PM
    • 6,298 Posts
    • 63,798 Thanks
    greent
    No heating here - but last night I was chilly when I went to bed and was chilly for a lot of today (am possibly overtired - my internal thermostat always goes haywire when I'm tired) I have drawn the living room curtains tonight for the first time and have several tealights lit on the mantle for the appearance of warmth! May put a thicker duvet on our bed at weekend (4.5 tog one on at mo)
    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) £4607/£3286
    Net sales 2017 £1202.80/£500 PAYDOX17 £11635/£10k Decluttered 1650/2017 items
    • smallholdingsister
    • By smallholdingsister 4th Oct 17, 8:41 PM
    • 3,393 Posts
    • 26,476 Thanks
    smallholdingsister
    No heating here, but a roaring woodstove.
    • apple muncher
    • By apple muncher 4th Oct 17, 9:12 PM
    • 6,418 Posts
    • 46,823 Thanks
    apple muncher
    No heating here, but a roaring woodstove.
    Originally posted by smallholdingsister
    That's cheating!
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Watty1
    • By Watty1 4th Oct 17, 10:20 PM
    • 2,835 Posts
    • 19,639 Thanks
    Watty1
    Another cheater with a woodstove...and I confess to the using the electric blanket to warm up the bed too when my internal thermostat goes haywire when tired.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • smallholdingsister
    • By smallholdingsister 5th Oct 17, 7:41 PM
    • 3,393 Posts
    • 26,476 Thanks
    smallholdingsister
    I get that, totally freezing when I'm tired.
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