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Apple muncher's number crunching

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  • apple_muncher
    apple_muncher Posts: 15,241 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    I loved knocking the money off the mortgage!! After having dd I was working 2 days a week. Some years, I did more and I put everything that was extra to the 2 days wage to the mortgage.We were still able to do it even after dh was made redundant. The mortgage is just a few £££ so no more paying to that. A new era has begun...
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Oh wow!  fully mortgage free!  This is going to be brilliant - but yes, keep on saving.  Who knows what's coming?  On a personal or a national level, to have that cushion behind you will be great.  You *already* have a cushion, of course, in owning the house, all but.  Yay!
    2023: the year I get to buy a car
  • apple_muncher
    apple_muncher Posts: 15,241 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    I've just finished what felt like a lorra lorra work, checking on my work pension. Yay and ooph. I last logged on to it 6 years ago, oopsie! It's not massive, but it is there and it will be mine. Changes are afoot re pensions at work...sigh...so I need to know where  I'm at, and how the changes will affect me. I can get a fair proportion of it when I'm 60, and the rest at 67. So I am incredibly fortunate. And my plan to save can only be positive!

    In other ponderations, it seems to have surprised the bbc enough to make headlines that more schools are sending pupils home... Really? And anyway, it isn't the schools; it's PHE, as schools have to report all positive cases to them and then PHE make a decision.

    Yet 'studies' show that up to 16, kiddies catch covid and transmit it minimally. It starts to rise after that - though doesn't say by how much. So why not have y11-13 wearing masks as much as possibl?

    Just 3 more get-ups for dd befor half term, and it can't come soon enough for her...
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • apple_muncher
    apple_muncher Posts: 15,241 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    I am now on my half term. 2 weeks of it. It is such a relief to have made it to here and not have had any years groups sent home from school. Especially with moving to tier 2.
    Not such a relief is the just-starting-up pension gubbins at work, that will go on for a very very long time. I don't have the energy to deal with the current shenanigans as other people feel the need and the right to have their knee-jerk angry reactions very publicly and in writing. With others cheering them on. Honestly, it's like a mob sometimes...
    A good colleague/friend and I are in similar positions and talk sensibly and rationally about it. So there is some sanity out there! We have both recently researched things and talked about them and helped each other out.
    Anyhow, I have rather a long to-do list that I do hope will be a rather long ta-da list by the end of the 2 weeks... B)
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • apple_muncher
    apple_muncher Posts: 15,241 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    I haven't used the car today - Shanks's pony + buses have been my friends and it has been so relaxing. Got in a gym visit, several ch shops, aldee, meeting dd. And laundry, cooking, reading and slobbing around too.
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • All caught up apple - sounding great. Enjoy your holidays!
    Save £20,000 in 2025. April 2k, May 3.5k
  • apple_muncher
    apple_muncher Posts: 15,241 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Plenty of walking today.
    Took dd to town to buy a specific fidget toy she needed - so glad the w0rks had one in there. We then did primarni and she just got overwhelmed by it all, so we just got sox. Then m+s where she got a onesie and we found perfect jamas for mum. But it was so hot and stuffy in there, then we had to q for 10 mins as the 1 person in front of us was doing all sorts of stuff. Sigh. The shop assistant was so patient with her though. Anyhow, once we'd paid, dd just whimpered, 'home?', so home we went. Her anxiety is running so high...
    Anyhow, she went to dance after lunch and I got to talk to a mum I've not seen for many a month. Then I took 1 bag to the Sally Army, then gave a homeless man some money and chatted with him.
    Once home, we both flopped!

    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Wow, apple, you're really out there!  Take some down time to enjoy the half term, though, yeah?
    2023: the year I get to buy a car
  • apple_muncher
    apple_muncher Posts: 15,241 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    I took myself to the gym this morning and did just a 5-min workout. (super intense, mind) I felt so good at the end that I even considered doing a different workout too, but remember dd telling me not to do too much, so I just did a load of stretching instead. Go me, being sensible...
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • apple_muncher
    apple_muncher Posts: 15,241 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    I had done more steps by 8am today than in all of yesterday.
    No alarm was set - we are on half term, after all - so I just woke up and did a workout and then went for a trot around the block (1.5miles).
    Still not getting the hang of nsds, sigh. I used to clock up so many, so easily. Now it is tough to get them...
    Sent the first wave of clothing to mum today - underwear. Then measured the other clothing I've got and realised that 1 tee shirt just won't go comfortably round her, and was probably always too long anyway. Better to find out now than for her to struggle to put it on and get frustrated.
    2 pairs of trousers got shortened. Still 2 more to do, but I did the easier ones today. When I last saw her (10 months ago, now), mum was an ewok-shape. Round and short and little legs. She still is that shape, but I'm far less confident about buying clothes for her, not having seen her for so long.
    Anyhow, soon she will have 8 pairs of nix, 3 vests/vest tops, 1 thermal top + legs, 1 blouse, 2 tee shirts, jeans, 2 pairs of lighter weight trousers and 1 full pair of very snazzy tartan jamas. She used to have about 25 pairs of sox, so I trust she still has some of them...! Somewhere...
    Tomorrow, dd and I are off on a book hunt in some charity shops.
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
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