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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 6,656Posts
    • 48,803Thanks
    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 2
    • apple muncher
    • By apple muncher 3rd Dec 13, 7:57 AM
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    • 48,803 Thanks
    apple muncher
    Am having a stay-at-home day, I hope! Want to clear and tidy downstairs so that we can get the tree in, and have a good sort through dd's clutter while she's not there. Oh yes, and my own massive clutter too...

    Have moved a bit of money around tHis morning, so that's now up to date. Have also started another finger puppet. Instead of doing 3 sets of Golilocks + 3 bears, I'm doing 1 plus a family of cats plus a family of ?bears? Still unsure of this one.

    Would likr to finish cat family, along with necessary stuffing, tails and embroidery; also read several pages of the Latin book; make more holly biscuits; trawl through books to see if I can earn some pennies there.

    May need to buy Ca1po1 and milk.
    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 13, 5:56 PM
    • 6,656 Posts
    • 48,803 Thanks
    apple muncher
    Dec 4th and NSD4 too-Woohoo!

    Work is finished for the week, apart from a course on Friday. Dd is still full of snot but is managing to do school, which is good.

    Got quite a lot of knitting done, tho I always seem to forget how long the little fiddly bits take.

    Have signed up to Quidc0 and got a few pennies in the pot. Got a colleague a leaving present, which will be reimbursed, so not even my money! Also ordered stuff for my mum, so will get that money back. And today did a big order for work, which I'll need to reclaim before we break for Christmas. Shame I couldn't get cashback on that one!

    Tomorrow :-
    -take box to send shop for mus1cmagp1e forgot!
    -food shop done
    -take a cottage pie to friend's - she has post-viral fatigue syndrome and 3 kids!doneq
    -exercise + shower(!)done
    -plan route for training course on Fri done
    -top up Oyster so can travel on Fri done
    -read Latin book
    -finish cats + Goldilocks puppets (8)Goldilocks quartet done
    - garden cuttings to tip? (4 bin bags full)
    - Make more holly biscs as the last ones were a total disaster!4done
    -make up reindeer food

    Enough!
    Last edited by apple muncher; 05-12-2013 at 3:38 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 6th Dec 13, 9:20 PM
    • 6,656 Posts
    • 48,803 Thanks
    apple muncher
    Had quite a relaxing start to the day as only had to be in town by 10. The journey was simple and the course was quite interesting and useful. Best of all, it fimished 20 mins early and I caught a train with nanoseconds to spare so got home earlier than I'd anticipated which has made for a more relaxing evening.

    Think I've said that Goldilocks + bears are done. Well, so is the cat family now, all embroidered and stuffed and stitched. Th equestion now is: what to do for the 3rd set?

    managed another NSD today - yippee! Tomorrow won't be as dd has tap/ballet (fees due) and a party after lunch.

    MUST do some paperwork tomorrow. Must, must, MUST!!!
    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 7th Dec 13, 6:54 PM
    • 6,656 Posts
    • 48,803 Thanks
    apple muncher
    If making loads of post-its counts as paperwork, then I've done some!

    Left dd at party and wandered along to Tes0s. Decided to havw a wander inside and really didn't enjoy it! Did buy a few g-f things for dd that I can't get locally. Still having 1 1/2 hours to use up, i gave in and used the C0sta they have. Bought a 95p packet of crisps and the pesky server didn't give me my 5p change! When I asked for it, he took it out of the tips cup. Cheeky blighter! So I ensured I stayed for a looooooooong time! That's when I did my post-its for the week ahead: commitments and jobs to do were all allocated. Possibly rather randomly... But I do so love being able to cross things off a list.

    Think I'll try to do dog finger puppets. Pirates were considered but they'd be so fiddly with all the extras, so have been rejected. Dogs have been sketched out on a post-it and seem do-able. Time will tell.

    Since getting home we've watched 2 films, I've made breadsticks and baked potatoes, and have finally done the chocolate coating on the marshmallows. Now I know how much chocolate I need, I can buy the rest of the marshmallows next shopping day, and get it all finished. Dh is very patient with my half-finished projects around the place!

    Day 3 of no sugar (other than fruit) and is my skin any better? As I type this, my face is itchy, darned psychosomatic symptoms! But I do feel a sense of achievement at keeping off the sugar, so may try to do another 3 days. I also need to ensure i get out and about, as being indoors a lot when the heating is on won't be doing me any good (other than keeping me warm!)

    Thank you sweet daisy for continuing to read and leave your thanks! I do really just witter on, as there's not a lot of number crunching I can do when we only have my small salary coming in. JSA still haven't paid anything and the claim goes back to the start of October. It'll be a nice amount when it does come through, and I'm very grateful that we're doing okay without it. It's more annoying as it's the entitlement jsa that you get because you've paid NI, not the income assessed one. They've messed up the paperwork and the payments. Grrrr.

    One more week of work for me then a long break, including a week before dd breaks up. Nice!
    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
    • Pearla*Merle
    • By Pearla*Merle 7th Dec 13, 9:28 PM
    • 1,601 Posts
    • 9,373 Thanks
    Pearla*Merle
    Well done for rescuing your 5p, Apple Muncher! I'd be equally miffed if someone took such a liberty with my change...!

    And well done for making it this far without sugar. I get the same kind of problems so I'm needing to do the same sort of things... it's so flipping hard at this time of year.. temptation flying at me from every angle

    Loving reading your diary by the way, I love wittering! Good luck with the JSA, my experience with them has always been nightmarish too, urgh.
    a penny picker upper. every penny's a prisoner!
    £26.65 til OnePoll payout! Round six! | Save £7200/£15,000
    Normality is a paved road; it's comfortable to walk, but no flowers grow on it.
    Whatever you're meant to do, do it now. The conditions are always impossible.
    The only thing you absolutely have to know, is the location of the library.
    • apple muncher
    • By apple muncher 8th Dec 13, 9:35 PM
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    • 48,803 Thanks
    apple muncher
    Hello Pearla! Thank you for the encouragement! That's another 5p towards my £150 target!

    Day 4 off the sugar, tho I'll admit it's been tougher. Having to be gluten-free helps in that I simply cannot eat almost all the 'goodies' that abound all year, and especially now, so that's one choice I don't have to make. And thst makes life much simpler. I've impressed myself today by making and icing about 30 shortbread biscuits this afternoon without any of the mix going into my mouth . Now, so long as they last 10 days, that's some teacher presents made.

    Another NSD under my belt. Dd, as usual, loved Kidz Klub and had 2 little friends go with her today. They both enjoyed it, so hope they'll go again.

    Nibbled another bit off the mortgage - woohoo!

    DH is off to see the jsa people tomorrow,so fingers crossed for some good news ie payment!

    Today I'm grateful for: a warm coat, wrapping paper, bacon, sunshine and cuddles.
    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 13, 6:26 PM
    • 6,656 Posts
    • 48,803 Thanks
    apple muncher
    Sitting on the sofa wearing a very smug face. DH has had a job offer! Don't yet know the details, but I sure am looking forward to revising my financial goals and aims for 2014 And his visit to sign on this morning brought forth nowt. It 'should' be in his account by thurs. Ha ha. 10 weeks' worth is not to be sniffed at.

    Tomorrow is dd's Christingle, which should be lovely.

    NSD again. But have messed up the sugar-free malarky. Harumph. Dh bought me a Thornton's advent calendar today (a nice thought but he knows I'm not eating sugar!!!) and so I had one because it was there. It was sooo sugary and sickly! So I thrn had one of dd's g-f bourbon biscuits, because it was there. Plonker! That was 15 mins ago and my face is all itchy now.

    Am grateful for central heating, cheese, the moon, sparkly Christmas decorations and hugs.
    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
    • sweetdaisy
    • By sweetdaisy 9th Dec 13, 8:13 PM
    • 1,245 Posts
    • 5,257 Thanks
    sweetdaisy
    Sitting on the sofa wearing a very smug face. DH has had a job offer! Don't yet know the details, but I sure am looking forward to revising my financial goals and aims for 2014
    Originally posted by apple muncher
    That's brilliant news, lovely to hear your DH has had a job offer.
    25 year Mortgage started February 2001 (end date January 2026)
    Offset Mortgage Balance December 2016 £30,950
    On target to repay 5 years and 5 months early (August 2020)
    • apple muncher
    • By apple muncher 9th Dec 13, 9:59 PM
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    • 48,803 Thanks
    apple muncher
    The three (yes 3!) trees are in at last. Tree #1 is dd's little 2' plastic one that she puts in a corner and her little presents go by it. Tree #2 has been in a pot in the front garden for a year, lovingly tended by dd and restored to half of its former growth. It is now at the front of the lounge with 3 decorations on it so far. Tree#3 is a sad and sorry spectacle with only a few green bits on the ends of a few twigs. It is the tree from 2 years ago and isn't v happy at all! However, dd wants it in for Christmas and is also decorating it.

    Christmas should be a quiet affair, just the 3 of us. But we like it that way!

    Preparation-wise, I thought I should do a list of what there is still to do:
    - knit 2 more dogs, wrap and send to Spain (prob got until 6th Jan really for this, when the kings arrive) DONE 1, DONE BOTH
    - print out 12 more reindeer poems and make food for them with dd, stick bags on and address the envelopes PRINTED 12, MADE FOOD WITH DD, FILLED BAGS, DID ENVELOPES - ALL SENT
    - do jam labels and divvy them up for people
    -buy marshmallows and do choc covered mallows x3 DONE
    - present to niece DONE AND READY TO SEND - SENT
    - make a bu1ldabear bed out of foam in the loft + fabric
    - re-size wordart to fit frame for mum DONE
    - spray fake snow on windows with dd DONE
    - make a small hamper for dh DONE
    -make a full stocking for dd
    -make peppermint creams DONE
    -make white fudge

    Also:
    - take at least 1 bag to Salvation Army, preferably 2 DONE 2
    - clear back garden, bag it up and take to tip
    - do the same for the front garden
    - clean car and sort out that scratch
    - make draught excluder

    Simples!
    Last edited by apple muncher; 16-12-2013 at 12:58 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
  • Habibiboo

    Hi AppleMuncher ~ I've seen you around on the DDD thread & thought I'd say hello here and especially say that's fantastic news about OH's job offer. You'll be well set to blitz that mortgage throughout 2014 now!
    Will be following along to see how you do as our challenges seem very similar, but in the meantime I do hope you get to celebrate your great news!
    All the best!
    Stash busting 2014 45 / 60 (balls of yarn)!
    2014 Sealed Pot #2136 ?/£500
    House: Decluttering 322 / 365
    Original mortgage £149,000£117,750;£112,500 MFW 2014#69 GOAL 1: £109 K April GOAL 2: £103 K by Sept GOAL 3: < £100k by end of 2014 MF goal: Nov 2020 - 4 years early
    • apple muncher
    • By apple muncher 10th Dec 13, 7:11 AM
    • 6,656 Posts
    • 48,803 Thanks
    apple muncher

    Hi AppleMuncher ~ I've seen you around on the DDD thread & thought I'd say hello here and especially say that's fantastic news about OH's job offer. You'll be well set to blitz that mortgage throughout 2014 now!
    Will be following along to see how you do as our challenges seem very similar, but in the meantime I do hope you get to celebrate your great news!
    All the best!
    Originally posted by Habibiboo
    Thank you Habiboo! Love the name by the way -how did you choose it? Thank you or dropping in to join my wittering.

    Dh is going to reply re job offer today and may start just before the end of the month. He doesn't seem as excite or effusive as I would have been, so I just do my jumping around inside!

    Am looking forward to new goals. We'll need to discuss them, as he will want me to be less strict than recently! No chance! However, the basic mortgage payment comes from his income and the food, stuff and savings come from mine. So we can hopefully up repayments back to their former amount and I can add my little bits to that, plus build up the savings.

    I may be earning extra for 2 terms ie 8 months, so once that is confirmed, I can play around with where to put it. I'm not a spreadsheety person, as I've never understood them. I'm more of a notebook and lists/ideas in bubbles soul.

    It's lovely to have more money coming in, my one concern is that I'll have much less time with dd for a few months. She'll have to wake up 1 hour earlier, which will take its toll! At least i'll still have the holidays and weekends. And it is only for a while. Try telling that to a 5 year old!

    Today is Christingle day. Do school run, leg it home for a workout + shower, then back to sch for 9.40... Easy!
    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 13, 5:15 PM
    • 6,656 Posts
    • 48,803 Thanks
    apple muncher
    That's brilliant news, lovely to hear your DH has had a job offer.
    Originally posted by sweetdaisy
    Thank you sweetdaisy. It's lovely to get this news before the redundancy money runs out. Dh had a call from another place who were interested in interviewing him. But I said that being interested in you does not mean that they will definitely want to employ him. So he's not to now turn the concrete offer down! He should just be happy that another place likes him!

    We've had a chat about what to do with the extra money, even though we'll not see any of it until the end of Jan! Ideally lots towards the mortgage, plenty in savings and a substantial amount into pensions.

    Had a lovely time at dd's Christingle. 125 kiddies from her school and they were so well behaved.

    Another NSD for me, a few jobs done. Will be making more reindeer food later with dd. Choc mallows all done.
    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
    • Pearla*Merle
    • By Pearla*Merle 10th Dec 13, 6:48 PM
    • 1,601 Posts
    • 9,373 Thanks
    Pearla*Merle
    Great news on the job offer! Have fun plotting & planning for the future
    a penny picker upper. every penny's a prisoner!
    £26.65 til OnePoll payout! Round six! | Save £7200/£15,000
    Normality is a paved road; it's comfortable to walk, but no flowers grow on it.
    Whatever you're meant to do, do it now. The conditions are always impossible.
    The only thing you absolutely have to know, is the location of the library.
    • apple muncher
    • By apple muncher 11th Dec 13, 8:59 PM
    • 6,656 Posts
    • 48,803 Thanks
    apple muncher
    Great news on the job offer! Have fun plotting & planning for the future
    Originally posted by Pearla*Merle
    Thank you PM. I'm already planning and plotting!

    After a very quick casual chat ( ha ha, that's my version of a discussion!) I've signed up to the 2014 mfw thread, to pay £11,600 towards the mortgage. Also want to save £5,200. This is fairly conservative, based on expected income. And we all know how quickly that can change! If my extra days fail to materialise then i'll re-jig goals.

    Final finger puppet is done. Tomorrow I can wrap them and post them off. Will also post cousin's and niece's presents.

    Need to do dh a stocking of stuff. He currently has a paltry 2 presents for Christmas! But must still keep to budget, as will not receive any extra income until the end of Jan. Will pop into town on Fri, possibly, for a mooch around, before my end of term lunch.

    dd wrapped some of her toys for me today, what a sweetie! I now have to wrap some stuff for her now, as I promised to!
    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
  • Habibiboo
    Thank you Habiboo! Love the name by the way -how did you choose it? Thank you or dropping in to join my wittering.
    Originally posted by apple muncher

    Hi AppleMuncher ~ the name's a bit of a mixture "Habibi" is Arabic for darling / my love and is an endearment my OH picked up when working in Sudan. He can't call me Darling in English for a particular reason, so he calls me Habibi. Boo is one of our dogs. When OH & I got together it was second time around for us and we had both had our families and are unable to have children together, so Boo is the child we never had! Don't worry though, I'm not one of these people who treats pets as fur-babies, I do realise she's a dog (although she's beautiful and clever, so I suspect she takes after me) whilst our boy dog is as mad as a hatter and stinky to boot ... wonder who he takes after?

    Well done with getting items posted - sometimes the worst part of the process can be the PO!
    Stash busting 2014 45 / 60 (balls of yarn)!
    2014 Sealed Pot #2136 ?/£500
    House: Decluttering 322 / 365
    Original mortgage £149,000£117,750;£112,500 MFW 2014#69 GOAL 1: £109 K April GOAL 2: £103 K by Sept GOAL 3: < £100k by end of 2014 MF goal: Nov 2020 - 4 years early
    • apple muncher
    • By apple muncher 12th Dec 13, 8:27 PM
    • 6,656 Posts
    • 48,803 Thanks
    apple muncher
    Made the most of £5 off a £40 shop at Ald1 today and also got present for dd's teacher (to supplement the biscuits and peppermint creams) and rest of stuff for food bank. Then went out and got another paper, as the voucher is valid until 24th Dec!

    Have started work on a paper version of 'big spends, birthdays, etc'. Can't understand spreadsheets so am doing paper! I want to fill in the big annual spends (various insurances, etc) and birthdays. Hence the name! Then I'll do a sheet to note the monthly dds.

    My mum's coming to stay for a few days tomorrow and should come to dd's nativity on Mon. I'm really looking forward to seing her. I may take her back home on tues and stay over at her's, but am fighting a stinging sore throat that sends shooting pains up to my ears. V glad to have had several days off sugar as that is what I crave now, but I KNOW that would only feed the 'bad bugs' and not help at all! Tho I probably inhaled a fair amount of icing sugar when I made peppermint creams this morning!

    We had a rough night with dd last night and I was falling asleep as she was reading her book tonight so I don't reckon I'll last much longer in the awake world! But must just go over bank account and get big spends noted... Or maybe just go and rest...
    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 14th Dec 13, 8:39 PM
    • 6,656 Posts
    • 48,803 Thanks
    apple muncher
    It's lovely having my mum here for a few days. She still can't quite work out how to open the front door from outside, so we can't let her wander off too far for now!!

    dd had a fantastic time at the big soft play place. She been so excited since winning an invite at kidz klub, and I'm glad it lived up to all her expectations. On the way home I suggested we stop off at a certain shopping area to have a quick run round the charity shops. She didn't need asking twice! She got 3 dollies and 3 nice dresses for them, a bu1ldabeaf small bed, toiletries (half for her and half to divvy up between friends), and we got 10 books between us, including one for dh's stocking. All for £8.40. Now that's a bagful of bargains!

    My cardreader for nw arrived the other day so I've finally used it to set up a direct payment link to the mortgage and sent a trial £10 to see if it works! Want to also set up one direct to savings, but will see if the mortgage one works first!

    Not much mse stuff going on really. Bills go out as usual, am trotting on with DDD, have set payment and saving goals for 2014. Have had some surprising news at work which I wouldn't/couldn't share online, but it should be a happier place to work next year. Phew!

    Overall, I'm quite enjoying keeping tabs exactly on my spending. I realise how extremely blessed I am in that there is a surplus every month, I have a job (and extra hours for 8 months), and dh has accepted a job and starts on 30th Dec.

    Today I am grateful for the wind, raspberries, charity shops, lemsips (still) and holidays.
    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
    • newgirly
    • By newgirly 15th Dec 13, 9:46 AM
    • 5,907 Posts
    • 40,679 Thanks
    newgirly
    Hi apple muncher, just wanted to pop in and say hi and welcome, its great your oh is starting the new job, a great start to the new year , best of luck
    MFW 21
    Target for 2017 £38,545 / £17,514.78 paid so far

    Mortgage £47,354 years 8 months left. Total owed £62,871.22 planning to clear in 18 months
    Weight loss target 37lb/22lb gone.
    • apple muncher
    • By apple muncher 15th Dec 13, 7:54 PM
    • 6,656 Posts
    • 48,803 Thanks
    apple muncher
    Hi apple muncher, just wanted to pop in and say hi and welcome, its great your oh is starting the new job, a great start to the new year , best of luck
    Originally posted by newgirly
    Thank you newgirly for dropping by. Yes, we're well chuffed about dh's job. I think he's making the most of his free time now that he knows there's going to be an end to it!

    Dd has just one more week to get through. This is the first year that she's not had fevers, so the g-f stuff is working and her gut is healing up. Her weekends tend to be full on for a littl'un and she's struggling now, lots of upsets at small things. If only she'd have an early night!

    Am hoping that once the payment route to the mortgage is running smoothly, then I can start doing Tilly Tidies! Something to get excited about!

    Tomorrow is dd's nativity (she's a donkey) and I also plan to take in a tub of biscuits and peppermint creams for the staff room. If I can get my act together and assemble it nicely. Must also make dd's lunch. That should probably be the priority!

    Have not been knitting for a few days - twould be good to start on a long-standing project to at least attempt to finish it by Christmas...

    Enough rambling! Would like to report mse stuff and nsd, but used a 20% off everything code to buy in a big lot of laundry detergent, plus another whole 75p off voucher.

    Payday is the 28th so quite a way to go yet!
    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 16th Dec 13, 7:41 AM
    • 6,656 Posts
    • 48,803 Thanks
    apple muncher
    To try to do today:
    - dd's nativity DONE
    - get more balm tissues and lempsips and Ca1po1 DH TO DO
    - pay cheques into bank DH TO DO
    - check payment arrived in mortgage account DONE
    - maybe get milk (but this would mean spoiling a NSD) DH TO DO
    - spend 30 mins streamlining emails DONE, SORT OF
    - do some Latin prep: overview + timescales, maybe some detailed planning... DONE
    - knit some of Angelina
    - wash up DH DID IT
    - do laundry WILL DO TOMORROW
    - drink copious amounts of water, to help sinuses ONGOING

    Nowt big there, but am feeling so rotten (snotty, pounding head, tight chest and running nose) that getting any of it done will be an achievement.
    Last edited by apple muncher; 16-12-2013 at 12:45 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
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