Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 6,947Posts
    • 52,054Thanks
    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 Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 182
    • apple muncher
    • By apple muncher 3rd Feb 18, 8:14 PM
    • 6,947 Posts
    • 52,054 Thanks
    apple muncher
    Another NSD despite going into 3 ch shops with dd. Phew.

    Did an easy workout - bunny slope 3.

    Watched 2 cracking rugby matches.

    Tutoring is not required. HKitties and minions not sewn, poor things.

    Dd had an awesome time at the disco - phew.

    When we next go to bham, at half term, we're going to stay an extra day and go and 'do something'. Other than trawl around the ch shops, which must be our most regular activity! I don't view the city as a touristy place at all, so need to do some research. Dh suggested going to the Bullring (heck, no!) And I said I'd prefer going to the rag market (and then had to explain what it is). But I reckon we'd all prefer keeping out of the shops completely.

    Maybe a trek around Sutton Park followed by hot choc in a hot choc shop? I like the idea of trying to get to all 7 pools in one go, but think it may be impossibly far...
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 6th Feb 18, 9:00 PM
    • 6,947 Posts
    • 52,054 Thanks
    apple muncher
    Up to 4 NSDs thus far,and 6 (!) exercise sessions . Go me! I'm allocating the bunny slope workouts on a week-to-week basis, depending on which days are busy or not. And today I've done over 20,000 steps what with one thing or another.

    Dd is crawling to the end of the half term, with a runny nose and feeling rather meh.

    Big sis' latest email tells of mum repeatedly telling some friends, 'I am content here.' That is soooogood to hear .
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 7th Feb 18, 4:06 AM
    • 3,554 Posts
    • 29,840 Thanks
    smallholdingsister
    There has to be a good science museum.
    • apple muncher
    • By apple muncher 7th Feb 18, 9:00 PM
    • 6,947 Posts
    • 52,054 Thanks
    apple muncher
    There has to be a good science museum.
    Originally posted by smallholdingsister
    Great idea! But I just looked at their website and it costs £33 for the 3 of us. Am I so out of touch that that seems an awful lot? Am I spoiled by Lunnon's free museums?
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 8th Feb 18, 2:26 AM
    • 3,554 Posts
    • 29,840 Thanks
    smallholdingsister
    That is ouchie!
    • greent
    • By greent 8th Feb 18, 5:06 PM
    • 6,688 Posts
    • 68,834 Thanks
    greent
    Lovely to hear that your mum is saying that xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £36.39/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 (#15) £1429.16/£18694.38 Decluttered 273/2018 items
    • apple muncher
    • By apple muncher 8th Feb 18, 5:46 PM
    • 6,947 Posts
    • 52,054 Thanks
    apple muncher
    Lovely to hear that your mum is saying that xx
    Originally posted by greent
    I know that it is only temporary - as are the more distressing things that she says - but it was good timing for her to say it when she did!
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 8th Feb 18, 8:48 PM
    • 6,947 Posts
    • 52,054 Thanks
    apple muncher
    That's me on half term now - yay! It has felt like it has been a long time coming...

    For a few days there was a vague possibility of an extra day's work next year, but that isn't going to happen now.

    I was pleased to have timeto do bunny slope #15 before getting dd, a 15min AMRAP, and I did 4 rounds and 4 squats in the time. Also - important info alert - half of the push ups I did were full man ones, on my toes and not my knees. I am getting stronger.

    I have been reading blogs by people who bought nowt new for a year. (excluding food, bills, underwear and a few other things. But one blogger still went out spending money but in coffee shops and meals out instead ) Not very detailed blogs, mind, so not too onerous. They made me rootle back through my notes for 2018 and I too, have bought nothing new so far this year (apart from £2.50 on a children's newspaper for dd). All 39 days of it. Without even trying very hard. I am rockin' it.
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 10th Feb 18, 11:59 AM
    • 3,554 Posts
    • 29,840 Thanks
    smallholdingsister
    You ARE rockin it.
    • apple muncher
    • By apple muncher 10th Feb 18, 8:54 PM
    • 6,947 Posts
    • 52,054 Thanks
    apple muncher
    A good saturday has been had.

    Dd opted out of dance - good move - and she and I mooched around some ch shops. She sent some of her pocket money and I spent nowt. Though we then went in to c0sta, as dd likes their babychino thingies and I paid with points.

    The afternoin was divided between watching the rugby and playing a really noisy bagatelle game we rescued from my dad's last year. I have memories of playing it for hours.

    We are off to brum tomorrow and still haven't decided what to do on Tues. The sci museum got a no (and we'll go to the FREE Lunnon one on fri instead). So did the sea life centre. We may well end up traipsing around Sutton Park! Or we could get an all-day bus ticket and go and look at all the places I lived or that had special meaning for me... I can see dh yawning already!

    Did bunny slope #2 today. Took under 12 mins. Next month I may increase the weight on some of the workouts...

    Swallowed a huge frog today. A toad, really. Am expecting repercussions. Sigh.
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 11th Feb 18, 7:40 PM
    • 6,947 Posts
    • 52,054 Thanks
    apple muncher
    So, here we are in bham. And a few hours ago, there was a right snowstorm going on outside. Took us back to my last visit here with dd when we were snowed in! But this time it didn't last long, nor settle for long.

    Big sis is due here soonish, having left here yesterday morning to go and visit some friends deep into Kentshire. She figured that since she'd come as far south as bham, she might as well carry on. Daft! Anyhow, it'll be good to see her.

    We had to spend £30 today. On a railcard. Cos I left ours at home. Only found out on train #1 when I went to put all the tickets + railcard together. Sigh. We worked it out and it was still cheaper by £20 to buy another one than to pay the full fare!

    Dd found us 3 seats round a table on the train. Not sure how, as it was p a c k e d to the gunwales and 5 mins later, people were having to stand. Well done dd.

    Ooh, another well done to dd for moving up a 'number gem'. She'd sat this test at least 4 times so we were very happy. I'm sure it has nothing whatsoever to do with a parents evening fast approaching...
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 12th Feb 18, 8:00 AM
    • 6,947 Posts
    • 52,054 Thanks
    apple muncher
    We are in bham. Ergo it has snowed.. Ok, maybe not quite that much, but certainly more than expcted/forecast.
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • smallholdingsister
    • By smallholdingsister 12th Feb 18, 10:45 AM
    • 3,554 Posts
    • 29,840 Thanks
    smallholdingsister
    Stay warm and have fun!
    • apple muncher
    • By apple muncher 12th Feb 18, 6:06 PM
    • 6,947 Posts
    • 52,054 Thanks
    apple muncher
    Dd and dh had a good day out doing charity shops. Me, I have been to an appointment with mum (all okay) and shown a lady round the house and done a workout. Nowt exciting, but it was a lovely sunny day and crisp, so wonderful for walking about in.
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 12th Feb 18, 9:00 PM
    • 1,840 Posts
    • 21,284 Thanks
    earthgirl
    Glad your mum is ok. Yes I thought how beautiful everything looked today sparking in the sunshine. Hope you get back ok.
    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 )
    Sept 17 £22,619 Jan 18 - £11,687
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 12th Feb 18, 9:33 PM
    • 6,947 Posts
    • 52,054 Thanks
    apple muncher
    We are off to the cinema tomorrow. It's the one we used to go to with mum on a sat morning. I'd be allowed a packet of 'munchies' and the film was always preceeded by a short wildlife documentary. It'll cost about £13.50 for the 3 of us - much much cheaper than back home.

    I've been working out the logistics and we may all (or certainly dd and I) meander over to see mum mid/late morning, going via the ch shops first (dd has discovered the Lemony Snicket books and another author to hunt down). We'll munch our lunch with mum as she has hers and then head into town to meet dh at the cinema.

    Tis a cunning plan indeed.

    Good news: we realised that dd's camera had n't made it all the way here, so dh sent v1rg1n an email/filled in a form. And we got a speedy reply saying that it might have been handed in at bham stn. Phew! So we'll call them tomorrow and arrange pick up on weds on our way home.
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 13th Feb 18, 6:47 PM
    • 6,947 Posts
    • 52,054 Thanks
    apple muncher
    The cunning plan worked well. It was good to see mum tuck in to a full plate of food. And she'd chatted away happily about stuff beforehand. She declared herself happy there and so well looked after. But if she went to a care home, she would have to thoroughly check it out first - I sssured her that there is no rush to move on, or to make any decisions about anything.

    We all enjoyed the film - early man.

    I had to send a tricky frog email recently and have been expecting it to come back and bite me. I have had a reply and it wasn't as awful as I'd feared. So I'm hoping things can be resolved ...
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 14th Feb 18, 7:32 AM
    • 6,947 Posts
    • 52,054 Thanks
    apple muncher
    So,my password needs changing. Because it is five days old. Ye gads!!

    I did what I had read someone else dong - I changed it to what it already was!
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • XSpender
    • By XSpender 14th Feb 18, 7:36 AM
    • 2,861 Posts
    • 29,566 Thanks
    XSpender
    Mine too but I didn't know that you could change it to the same one.

    I worry I will forget what I've changed it to and end up getting locked out!
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£510.80
    Target Debt Virgin (Me) Part 1 £1176.49/£652
    Target Debt Virgin (Me) Part 2 £1038/£1038

    Big black hole of debt - £53,515.15 @ 16.12.17 £53,997.55 @ 31.01.18
    • smallholdingsister
    • By smallholdingsister 14th Feb 18, 8:03 AM
    • 3,554 Posts
    • 29,840 Thanks
    smallholdingsister
    Pavlovs told me I could change it to the original one so I did, but what is going on?!
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

145Posts Today

1,570Users online

Martin's Twitter