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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 6,656Posts
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    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 175
    • apple muncher
    • By apple muncher 7th Dec 17, 5:01 PM
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    • 48,800 Thanks
    apple muncher
    Posh school will be applied for next year as dd is still keen to do so.

    Watty - I think we bought a roll of cellophane from amzn a while ago. It'll last aaaages. Especially if the market continues to not have its plant stall and therefore renders me unable to purchase a gazillion hyacinths to wrap.
    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
    • greent
    • By greent 7th Dec 17, 5:38 PM
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    greent
    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?
    Originally posted by Watty1
    You can also (apparently) buy smaller amounts in H0bbycraft. I have a HUUUUGE roll from a florist
    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
    • Watty1
    • By Watty1 8th Dec 17, 7:52 PM
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    Watty1
    You can also (apparently) buy smaller amounts in H0bbycraft. I have a HUUUUGE roll from a florist
    Originally posted by greent
    Fab. Thanks. have looked on line, and it seems a really cheap way of glamming up a gift or two. Great plan
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • apple muncher
    • By apple muncher 8th Dec 17, 9:17 PM
    • 6,656 Posts
    • 48,800 Thanks
    apple muncher
    Ooph.

    Foodbank items all bought and delivered. Think I totalled 25 items, which is what I wanted to do.

    Sainz shop done with one of their cheeky - nay, rude - vouchers of £7.50 off £50 spend. We are v stocked up on gf/df now.

    Bunny slope workout 1 done and a nice hot bath afterwards.

    Off to sch via the street market where the plant stalls were both there. Yippee. I now have 4 cyclamen, 4 pots of 3 hyacinths each, 1 kalanchoe and 1 cmas cactus, all for £15. Result. A gf brownie also got purchased.

    Then on to my sch cmas fair where I sold £116 of stuff. About £50 of that is going to a charity. It still doesn't look like I have any fewer crafted items! Dh and dd made the journey over, which was lovely. We are all now rather worn out.

    Yet we cannot rest! Tomorrow is dance classes day then dd and I are going straight up to bham, seeing mum/gma on the way to the house. If the trains are playing silly boogers again, I shall simply buy a ticket that allows any route. Really could do without having to do that though...

    Sunday, we may see mum again, but I think we'll be so tired out by then that we'll just journey back home.

    For once, I have no crafting to do on the way. Eek! Must rectify that tomorrow morning...

    I won a raffle prize at the fair . I chose an electronics kit for dd to play with. She is so chuffed. She also loved having a go on various stalls - came back with pencils, haribo, a cute monkey head keyring thingy, and a make-your-own unicorn. Via a friend, I 'won' a smellies toiletries bag (dd'll give this to a friend for cmas) and a bottle of funny cranberry? fizzy stuff (will gift this to a red wine boffin friend!). Total spend of just £6ish. Result.
    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 9th Dec 17, 7:58 PM
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    • 48,800 Thanks
    apple muncher
    Am sitting on a cushion with my back against a warm/hot radiator. Bliss.

    The trains were running perfectly this afternoon. Nice. We've seen mum and given her some slippers - she only had one! Then walked the 30+ minute walk to the house. Grabbed some toast and out to the local woods where we caught the tail end of a choir singing carols and had a little look at the stalls. I did buy 2 coconut pyramids, as they were both gf and df. Then we popped to a friend to drop off a pot of hyacinths. Then to the house for tea. Ooph.
    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 10th Dec 17, 10:44 AM
    • 2,898 Posts
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    Watty1
    Loved catching up on here. All sounds so calm and cheerful despite you being so busy
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • apple muncher
    • By apple muncher 10th Dec 17, 1:39 PM
    • 6,656 Posts
    • 48,800 Thanks
    apple muncher
    We are snowed in! Dd and I . In bham. No chance of going anywhere other than on foot. No buses. No taxis. And quite possibly no trains if we ever made it to the main station.

    If I were alone, I'd trek the 1.5 miles to the nearest cross city train station to try to get to town. And if there were no trains, I'd just trek back to the house. But dd is with me and only has her trainers so she would get cold wet feet.

    And we have limited food supplies! Although both the shops here are open, they do not sell gluten- and dairy-free stuff.

    And today's forecastbis pretty much continuous snow, tomorrow's forecast is sub-zero temperatures so it aint gonna melt away. Will we even get home tomorrow, eh?

    I am ridiculously anxious. Unnecessarily so. But nevertheless, I am. Part of me feels that we should at least attempt travelling. Then I realise that I can't drag dd out. But I feel guilty at not being able to get back for work tomorrow. Or maybe even longer...

    Off to play 'check the trains' again.
    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 10th Dec 17, 1:47 PM
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    • 48,800 Thanks
    apple muncher
    Such conflicting info. Trains seem to be running to wfj, but yet am advised NOT to travel today... Once again, I make the decision to stay put... until I try looking again... then I'll realise it'll be dark soon... so I'll stay put... Sigh.
    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
    • greent
    • By greent 10th Dec 17, 2:02 PM
    • 6,522 Posts
    • 65,820 Thanks
    greent
    I did wonder whether you'd have problems today - Bham is an hour North of here and both OH and I know people there and have seen the pics on social media of the snow increasing from Friday - and the interview with and dashcam footage of Bham motorway police...

    I'm not sure how limited DD's food options are (with regards to likes/ dislikes, as opposed to DF/ GF dietary limitations) - can you cobble something (even if a little weird and unconventional for 'normal' meals) together from the local shop for a day or so? (hopefully not more )

    Work can wait - schools up and down the country will have staff 'stuck' in places. Far better you and DD are safe and warm (and hopefully fed..) xxx
    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 10th Dec 17, 2:09 PM
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    • 48,800 Thanks
    apple muncher
    Thank you so much for this, greent. (You have made me cry!) You areso right to mention that it is what dd will eat as oppose to what she can. We did go to the local shops for eggs + potatoes + ham + grapes for me, as that leaves all the stuff she'll eat as only needing to feed her. And if we are stuck here for longer, I'll leave her with a lovely neighbour who she knows, and trudge down to the big azda for more food for her.

    What's funny is that dh hardly believed me this morningwhen I told him about all the snow as they'd only had a smattering.
    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 10th Dec 17, 2:24 PM
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    Watty1
    Stay where you are warm and safe. With potatoes and eggs you have food choices....Spanish tortilla would be my fav if you can find onions. And ...if it fails you have an omelette. I always giggle when I remember my Spanish friend teaching me to make tortilla .... she said if it did not work it would be an omelette drawing out each syllable to make it clear that this was a toe curling insult


    Seriously stay warm and dry. You have options and it will be fine for school and work to miss you and dd for a day or two if needed. People will be stuck all over the place so I hope you can enjoy it and think of it as an adventure
    Sending love
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • apple muncher
    • By apple muncher 10th Dec 17, 2:52 PM
    • 6,656 Posts
    • 48,800 Thanks
    apple muncher
    Thank you Watty. No onions here, so simple tortilla it will have to be.

    We have just built 2 snowmen and had a mini snowball fight.n Now warming up. Dd is happy - she has strawberry bonbons and utube!
    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
    • greent
    • By greent 10th Dec 17, 3:10 PM
    • 6,522 Posts
    • 65,820 Thanks
    greent
    Thank you Watty. No onions here, so simple tortilla it will have to be.

    We have just built 2 snowmen and had a mini snowball fight.n Now warming up. Dd is happy - she has strawberry bonbons and utube!
    Originally posted by apple muncher
    Simple pleasures Second what Watty said about making it an adventure - and am glad to hear that gf/df options aren't *too* far away - and doubly glad to hear that DD can stay with a neighbour if you have to make the trek 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) £5278/£3286
    Net sales 2017 £1445.57/£500 PAYDOX17 £12239/£10k Decluttered 1985/2017 items
    • michelle09
    • By michelle09 10th Dec 17, 6:50 PM
    • 471 Posts
    • 1,879 Thanks
    michelle09
    With everyone else, stay put and warm. And most importantly safe.

    Hope you get home soon.
    • apple muncher
    • By apple muncher 10th Dec 17, 8:03 PM
    • 6,656 Posts
    • 48,800 Thanks
    apple muncher
    Thank you michelle. We can certainly keep warm -tho dd needed 2 duvets last night! I am so pleased that when big sis suggested rationalising the bed linen a while ago, I said to keep it all in case there were ever 3 people here. Phew.

    Bham city council have stated that all state schools are closed tomorrow. Forecast is well below 0 so all thewhite stuff is going to freeze nicely.
    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 11th Dec 17, 3:12 PM
    • 6,656 Posts
    • 48,800 Thanks
    apple muncher
    And we are back home. Phew. The trains and buses all ran nicely for us, giving us a super smooth journey home. I am very grateful to V1rgin trains who allowed people to use yesterday's tickets today, without insisting on them catching the train at the same time of day.

    Just time for a quick sit down before heading out to see the dentist...
    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 11th Dec 17, 8:27 PM
    • 6,656 Posts
    • 48,800 Thanks
    apple muncher
    The dentist lanced the abscess again and drained it using the sucker thingy, took imprints of my teeth and checked that he can extract the root and have the next stage ready to put in before cmas. (Though if he is unsble to extract the tooth, he'll have to refer me elsewhere, which would then be in 2018...). All for around £265. Who would have thought it?!?! Still, it's cheaper than a new pair of specs...
    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 12th Dec 17, 9:52 AM
    • 2,898 Posts
    • 20,101 Thanks
    Watty1
    Glad you are home safe. Made a flying visit to forum to update own thread and then thought I'd just check up on you
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • apple muncher
    • By apple muncher 12th Dec 17, 12:43 PM
    • 6,656 Posts
    • 48,800 Thanks
    apple muncher
    Thanks for flying over, watty. Enjoy your time away x
    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 12th Dec 17, 6:59 PM
    • 2,481 Posts
    • 20,368 Thanks
    earthgirl
    Oh no sorry to hear about your travel being interrupted by the snow, hope you still enjoyed your trip and dd saw it as an adventure.

    All of this busyness and with an abscess too! Hope it’s sorted soon.
    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
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