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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 6,657Posts
    • 48,811Thanks
    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 DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
Page 174
    • apple muncher
    • By apple muncher 24th Nov 17, 7:21 AM
    • 6,657 Posts
    • 48,811 Thanks
    apple muncher
    An out-and-about day is planned. Go on direction to drop off bags at the sally army and look for a cmas jumper; go the other way to do an icyland shop, a sainz shop and a food bank deposit.

    Home and food spends need updating (for the whole month!); expenses need sorting out; present-buying on the studio site needs doing, now that dsd has given us some ideas.

    Anyhow,before all that, dd needs to eat, dress and do some maths!
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    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 24th Nov 17, 6:10 PM
    • 6,657 Posts
    • 48,811 Thanks
    apple muncher
    Dd earned herself a maths certificate this morning, so she currently loves maths!

    All the running around got done. Even took dd to local shops this afternoon/eve and we managed to coincide with the switching on of the lights and the arrival of santa. Result.

    Got dd some gf/df coins and vegan 'choc' covered raisins for dd + niece in sainz. Come to think of it, sainz are 'aving a bit of a larf. 2 money-off-vouchers-through-the-post back, we had £3 off a £30 spend. The next lot were £3 or £4 off a £40 spend. The most recent ones are £7.50 off a £50 spend. See how they are trying to make us spend more...? Cheeky blighters. But we have seen through their charade and will not be drawn in. Cos we're not daft.
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    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 24th Nov 17, 6:21 PM
    • 2,481 Posts
    • 20,372 Thanks
    earthgirl
    Yey to the maths certificate! I’ve just been in school as ds1 not going to well in maths
    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 25th Nov 17, 8:21 AM
    • 6,657 Posts
    • 48,811 Thanks
    apple muncher
    We have an online programme that the school uses and we try to do it twice a week. It takes about 20mins and I usually sit with her/hover nearby. Fortunately dd is quite good atmaths, but she hates getting it wrong and that can cause great trial and tribulation and a loathing for the subject!

    Dd is singing in her sch fair today, but I'll miss is as I have a table at a craft afternoon at church, which dd + dh will come along to afterwards. So we're having a chilled start to the day: breakfast in bed, all of us on our tablets!
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    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 25th Nov 17, 10:13 AM
    • 471 Posts
    • 1,890 Thanks
    michelle09
    Sounds like a great start, especially as cold as it is!

    Hope the craft fair and school fair go well.
    • greent
    • By greent 25th Nov 17, 4:15 PM
    • 6,525 Posts
    • 65,840 Thanks
    greent
    Hope the craft fair is going well 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) £5278/£3286
    Net sales 2017 £1445.57/£500 PAYDOX17 £12239/£10k Decluttered 1985/2017 items
    • apple muncher
    • By apple muncher 25th Nov 17, 6:01 PM
    • 6,657 Posts
    • 48,811 Thanks
    apple muncher
    Sounds like a great start, especially as cold as it is!

    Hope the craft fair and school fair go well.
    Originally posted by michelle09
    Hope the craft fair is going well x
    Originally posted by greent
    Thank you both x. Dd was reluctant at first to go to her fair and sing, but we all left the house together and she skipped along. She sped up when she saw the huge snowglobe! In the end, she had a great time and then came along to church and had a great time all over again. She had spending money,but came home with most of it. She made a clear bauble and bought some candy canes made into a reindeer head.

    I bought a super cute blue cardi for gson - it has teddy buttons, a hood and ears. Dd's choice . I'm already looking at it and working out how I could make/ copy it....

    Had a lovely time myself with lots of lovely conversations with parents and kiddies. And I sold £61.50 of my stuff

    We are home and to my delight, there is rugby on the box. Joy!
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    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 25th Nov 17, 8:26 PM
    • 3,557 Posts
    • 27,756 Thanks
    smallholdingsister
    Apple. She is MATHEMAGIC! Tell her so!!!

    Earthie, sad fact, some primary teachers don't like maths. This rubs off. You will have to teach him yourself (I had to teach DD1).
    • apple muncher
    • By apple muncher 28th Nov 17, 9:24 PM
    • 6,657 Posts
    • 48,811 Thanks
    apple muncher
    It has turned a tad chilly. Brrrr.

    Our radio times delivery has started, so that was a treat to read. For all of 10mins then I got boredI know when there is rugby and strongman, and a few interesting bits on bbc4 to record.

    Another good counsellor session. Did some running on the way home, but I know my knee did not like it - sigh. I am still doing my knee exercises and have increased the difficulty of them again. I've done them for 8 consecutive days now and will obviously have to continue them. I may try to add in some zuzkalight beginner stuff - non impact... Ponderations.
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    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 30th Nov 17, 9:04 PM
    • 6,657 Posts
    • 48,811 Thanks
    apple muncher
    Snow flurrieS today

    Secret Santa allocations emailed out. Max spend £10. No chance !Got 2x red cyclamen and 1x pot of 3 purple hyacinth for £5 from the market this morning. 1 Cyclamen is for mum. The hyacinths were bought for a friend but I may get some more and use them for my Secret Santa. Will posh 'em up a bit of course!

    Off to bham tomorrow. Estate Agent due at 2.30 to take photos so should be able to visit mum on my way to the house and then again at teatime. Also going the following weekend with dd for a flying visit.

    Budgets are set - for once! 300 for food - a drop of 10% but no scrimping on dd's food. Includes at least £5 foodbank donation. Will also use my share of our 'found on the floor money' which is another £5. And if I don't get up to 25 items with that money (I'm on 8 so far) then I'll just use food money.

    140 = presents, fairs, charity shops.

    275 for travel incl 2x to mum's and 1x to big sis up norf and then further norf to see friend over from Spain. 75ishmay be reclaimable but will need paying out first.

    185 for dd activities that need paying this month.

    Add in my usual giving and I am paying out more than I have incoming. Whoops.

    Therefore I must keep a careful eye on my bank account (it was down to £27 before I got paid this month) and keep up to date with noting receipts.

    Only 6 working days. Am giving up that game on my tablet for at least the first 10 days. Would also like to do headspace for 10 days straight. And leg exercises. And...?!
    Last edited by apple muncher; 30-11-2017 at 9:07 PM.
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    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 Dec 17, 8:09 PM
    • 6,657 Posts
    • 48,811 Thanks
    apple muncher
    A simple 3-train journey required 7 trains! Train A to B was cancelled so I went to C with a view to then hopping over to B. Except that train from C to B were also cancelled. I legged it to another train 15 platforms along and went to D where I was to change to get the train to B. Only I got it wrong and hopped on a trsin retrurning to C (both names have 'junction' in them, you see, and I got confuddle
    d). Having realised this I got a train back to D and it dawned on me that I'd missed the connection by15 mins for the train I had a seat on. As I got off my train at D and was meandering up the platform, expecting to have a 45 min wait, my original train slid in - it was running late - so I hopped on and went to E, arriving at the planned time. Ooph.

    I saw mum, got to the house in time for the EA, signed the papers, popped in on a friend, and then we both went to see mum. The home have offered a different room (her one has heating issues) but I went to see it and a) it is on the second floor, but not via simpla stirs - lots of going round corners, b) there is no passing traffic - you'd only go past the room if you were going to it. So, mum's be very isolated up there, plus the dementia would mean she would get lost and confused. Where she is, on the ground floor, is perfect in many ways. So, we're not accepting the offer!

    I slept very well indeed.

    Saw mum briefly again this morning and started the trek home. It was the same journey home - trains cancelled - but without the going-the-wrong-way part. Still, I arrived home 90 mins later than planned. Sigh.

    Then dd and I went out to the posh school's fair and spent some money.

    And tomorrow we have a joint churches meeting at a location far, far away. And I am on kids klub and have to be there by 9.15am, which should mean leaving here before 8! Yikes.
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    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 Dec 17, 8:13 PM
    • 6,657 Posts
    • 48,811 Thanks
    apple muncher
    I have told dh and dd not to let me travel to bham on the same weekend as I am doing kids klub. So tired. Lots of tears from dd today - most unusual, think she is simply soo tired and prob fighting off all the bugs around the place in Dec. Dh didn't come with us, so at least he should be recovering soon.

    I have a dodgy tooth. A false one on a stick that goes up into the remains of the tooth. Thestick is a short one and the tooth has fallen out about 3 times. Each time it comes out, it gets a bit more precarious. Anyhow, the gum around the tooth is starting to look red and is swollen. Reckon I need my dentist to remove the tooth and do something. I do not want an infection up there! But the cost... Oh the cost.... I don't even want to think about it...

    However, that may be the impetus I need to claim back my expenses...
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Watty1
    • By Watty1 3rd Dec 17, 9:12 PM
    • 2,900 Posts
    • 20,101 Thanks
    Watty1
    Hope tooth can be easily resolved. A homeopathic dentist once recommended gunpowder in 6c and something else for infections and it worked a charm....would have to look up what the other option was but the pair of the pills were very cheap. The dentist however was a 'little odd' and I never went back
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • apple muncher
    • By apple muncher 3rd Dec 17, 9:23 PM
    • 6,657 Posts
    • 48,811 Thanks
    apple muncher
    Thank you Watty - I'll see what homeopathic combo mr google comes up with.

    I trust my dentist. I only have probs when another dentist sees me. And it was another dentist who stuck my tooth back in this time...
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    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 4th Dec 17, 7:49 PM
    • 6,657 Posts
    • 48,811 Thanks
    apple muncher
    Forget the cost. Needs must. Finally looked at my tooth/gum instead of just feeling it with my tongue. Yikes. So I phoned the dentist and they were able to see me this afternoon. Skipped out of work early - or rather, I forfeited my free period - to get there in time.

    End result= an abcess + a cracked root. Sigh. Dentist lanced it, gave me a scrip for antibiotics and I have an appt for next Mon. It'll be a lengthy process as the root needs rmoving first, then allowing 3-4 months for healing and then discussing what to do to fill the gap.
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    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 Dec 17, 5:18 PM
    • 6,657 Posts
    • 48,811 Thanks
    apple muncher
    Finally sat down and looked at expenses owed to me.Discovered that I'd not done it since August. Over £800 requested. No wonder I was skint.

    The antibios seem to be working. Phew. Still v sore, mind.

    Brownis run soon. And dh is out tonight so I'll have a quiet evening. Finished off 5 bunnies already today. Just 1 pair of mittens left to do. Then price lists and signs.
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Watty1
    • By Watty1 5th Dec 17, 9:23 PM
    • 2,900 Posts
    • 20,101 Thanks
    Watty1
    Glad you have at least started getting tooth/gap sorted. I have a gap mid teeth at the top right. I always meant to have something put in there but my lovely dentist says teeth are about function first and form second. If you can function without and it doesn't show them fair enough .... he said this after I nearly fell out of the dental chair when he gave me the quote for filling said gap with method of choice...... I opted to mull it over and save the money and many years later I've still not saved the money for that bit of work. I told him I was waiting for a more cost effective alternative to come on the market last visit and he did laugh.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • apple muncher
    • By apple muncher 6th Dec 17, 6:13 PM
    • 6,657 Posts
    • 48,811 Thanks
    apple muncher
    On Monday I recieved an email from a colleague that rather upset me. I wondered if I was being over sensitive , so asked dh to read it. He agreed with me. I was thinking of talking about it to the head, if she was available. But this morning, after my bible reading, I decided not to doanything with it and let it go.

    Anyway, I did pop to see the head, to ask how she was, as she'd been very croaky on Mon. And she had also received the email! So she knew exactly what had been written and that is good enough for me.

    Snuck in to primarni and bought dd some cmassy winter leggings x2 and a HP tshirt for her bday.

    Tomorrow I'm taking dh with me to the street market, to buy more hyacinth pots. Dh was talking about getting 'stuff' from m+s to take to peoples' houses. No way! He couldn't even say how many he was planning to buy - or what he was going to buy. So I Hope I've persuaded him otherwise. I plan to get 5 or 6. Just think how much money I've saved us!
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    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 6th Dec 17, 7:49 PM
    • 2,481 Posts
    • 20,372 Thanks
    earthgirl
    Haha I had to laugh at buying “stuff”!

    Any new with the posh School?
    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
    • Watty1
    • By Watty1 7th Dec 17, 4:06 PM
    • 2,900 Posts
    • 20,101 Thanks
    Watty1
    Glad the head knew about that email. Nice you didn't have to do anything but that it was somehow put out there for you. Good job.
    Am loving the hyacinth pot idea. Where do you buy the cellophane for wrapping them?
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
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