Apple muncher's number crunching

Habibiboo

:wave:

I lost a post a couple of days ago A*M but I think that was slight muppetness on my part!

Another thought for stall display inspiration ... do you use Pinterest? If you put craft stall display ideas in as a search there are all kinds of pictures and ideas ... you can also add Christmas in as a search term with it, although you then have to sift through random Xmas decs images.

:eek: to cracked pedestal and brown splotches on dining room ceiling! Glad it's on the to do list (really fighting the urge to ask if it's going to be a big job) :lipsrseal:

Hope DD got on ok at the hospital and well done yet again on your charity shop bargains!

And of course will done on getting to 91.97% ... go you indeedy!

Right, off to find your October challenge m'bob ... x

apple_muncher

367.91 + 108 = 485.91. 121%. Why not aim for £600 now? Which means back down to 81%. Whatevrr the figures vs target may be, I reckon it's still a worthy activity! Won't get mgage into the 50s by the year's end, but by the end of 2015 we'll certainly be in the 40s. :j

Hbbb will defo look on pinterest - great idea :T.

We have had new loo and cistern in our bedroom for yonks. Dh is organising the work :rotfl:. May have to take charge myself!

Hosp visit all fine, lovely dieticiam/nutritionist. Dd went to sch in time for lunchtime play. And so did I! Made 3 people happy as yhey didm't have to cover my pm classes.

Off for a MMM session now!

apple_muncher

A list for Weds:
- take dd to cheerleading for 8am
- drop dh at church asap after taking dd
- find a free parking space
- sort out new specs
- check out m&s for undies, and socks for dd
- check out primarni for frozen stuff
- check out £land and 99p shop for frozen stuff- tho prob all gone now!
- aldee shop
- sains shop?
- colours wash
- workout
- make lemon cake or brownies
- make dr appt for dd
- make nurse appt for me
- sew some bits of bunnies - been most lazy here recently
- collect dd + others 3pmish

And I confess in advance that I'll be using the car instead of buses or bike. Feels like a lot - glasses are most important and want to look around when there as easier on my own. Food shop also nec. Workout nec for sanity. Musr also collect girls! The rest is optional.:D

apple_muncher

apple_muncher wrote: »

A list for Weds:
- take dd to cheerleading for 8am
- drop dh at church asap after taking dd
- find a free parking space
- sort out new specs
- check out m&s for undies, and socks for dd
- check out primarni for frozen stuff
- check out £land and 99p shop for frozen stuff- tho prob all gone now!
- aldee shop
- sains shop?
- colours wash
- workout
- make lemon cake or brownies
- make dr appt for dd
- make nurse appt for me
- sew some bits of bunnies - been most lazy here recently
- collect dd + others 3pmish

And I confess in advance that I'll be using the car instead of buses or bike. Feels like a lot - glasses are most important and want to look around when there as easier on my own. Food shop also nec. Workout nec for sanity. Musr also collect girls! The rest is optional.:D

I got dd to cheerleading ok. She's been having pains inside her left leg and knee - I reckon it could be growing pains, as she has grown so much since being gluten-free. But need to take herto the doc to be sure.

The 'asap' attached to dropping dh of was a mockery. It took nearly 40 mins to do 6 miles because we hit the school traffic, commuting traffic and 4 sets of roadworks!

I did get my glasses sorted and will return in 2 weeks to pick them up. Always an expensive activity...

When I walked through the doors of primarni, the security guy told me I couldn't bring a drink in. It had a lid on it, for goodness sake! Twas a Pr3t coffee! So I told him he had lost a customer and duly walked out. I can't stand the shop, and was only going in to look at undies. (ha ha - that sounds dodgy!). So I walked into m&s and after20 paces decided I didn't fancy it so turned round and left!

Umming and aahing now as to whether to go straight home , or via £ and 99p emporiums. Got a few bits - a frozen advent calendar for dd, a red and white card cakestand to use to display stuff at the fair, gf popcorn x2!

Then home via aldee where I spent about £20 over budget. But dd has her harvest festival soon and the produce is going to nightwatch and the Sally Army so no way am I just giving value beans!! Biscuits, shampoo, toothpaste, dried fruit, rice = £8.29, so will get some more stuff from our cupboards to add to it.

Also got dh some bamboo socks - reduced - some nix for dd - reduced - and 2 replacement watch straps for me - also reduced!

So, dd has a choc advent calendar and I'll make a fabric one (promise!!!)with little bits in it too. Lucky girl!

Washing has been done and hung on the airer - it's too showery to dare putting it outside.

A brilliant workout has been achieved!

Appointments will be made once they open after their lunch!

Off to tweak October... Then make brownies. Or maybe the other way around...

apple_muncher

If I want to be mf in 5 yrs...or 60 payments...that means ...

66200 ÷ 5 = 13240 per year

13240 ÷ 12 = 1103 per month.

(conveniently ignoring interest payments - currently ~ 840ish per year)

However, 1200 pcm = 4 years and 7 months.

Musings.

apple_muncher

Another cycle ride to work - and back of course! I got there quicker than normal, and my legs knew all about it. According to my garmin, I used over 800 cal, so I'll accept that.

Tomorrow is a day off - phew! Dd's school's having a Macmillan coffee morning, so I'll be going there to test some cakes! Even if all I can eat are the brownies I've made, that'll do me!

A list:
- coffee and cake
- washing up
- wash rug?
- sains shop?
- library?
- bunnies limbs
- saw a branch off an offending tree
- workout
- chase up a WBB box that's not been received?
- tidy back + front gdns
- make lemon cake for dd

Habibiboo

:wave:

Interesting musings A*M ... it's funny how addictive it can be playing with the numbers and finding ways to bring it down in the quickest but most affordable ways possible.

Have you played with the mortgage calculators etc as well?

I was seriously considering starting a mortgage free in 3 attempt from the start of 2015 but current situation has me re-thinking that idea. I might borrow the strategy of conveniently ignoring interest, then I'll be home and dry in 3 - not sure the lender will approve though! :rotfl:

I like that cake appears twice on your list!
:eek: bunnies limbs and sawing off featuring next to each other caused slight alarm at this end - that'll teach me to read properly in the first place!
Have a happy TGIFriday and day off tomorrow! x

apple_muncher

Habibiboo wrote: »

:wave:

Interesting musings A*M ... it's funny how addictive it can be playing with the numbers and finding ways to bring it down in the quickest but most affordable ways possible.

Have you played with the mortgage calculators etc as well?

I was seriously considering starting a mortgage free in 3 attempt from the start of 2015 but current situation has me re-thinking that idea. I might borrow the strategy of conveniently ignoring interest, then I'll be home and dry in 3 - not sure the lender will approve though! :rotfl:

I like that cake appears twice on your list!
:eek: bunnies limbs and sawing off featuring next to each other caused slight alarm at this end - that'll teach me to read properly in the first place!
Have a happy TGIFriday and day off tomorrow! x

I'll muse like that, but work well doing month to month stuff too! I guess that each month is different because of school /hols, so a 12-month plan is beyond me!

I've not updated my MFW2014 for aaaages, but will smash the original target which is a good smug-inducing feeling .

You are brave to consider the MFiT! You could seriously pay off 104K in 3 yrs? Wow!!! Impressive! Are you planning to sell body parts to fund it?

I've not played with the calculators as we have an offset mortgage and I've no idea what the interest rate is! I know it's not high, though!

Am seriously looking forward to cake tomorrow (x2 even!!). Tho when i did the 'control taste test' yesterday, it didn't sit well - not because there's anything wrong with it, but because I've not had sugar and grains for a while. Ah well, I'll force it down...

Ha ha to bunnies and sawing things off!!!!!!!!!!!!!!


May fall asleep before dd tonight - nearly did so already when we were reading books. It's lovely to start the weekend early. Every week!

Habibiboo

:wave:

I'm hoping to get it below £100k by this year's end as a starting point but you're right, it's a bit debt to shift.

Seriously attempting MFI3 would depend on many things, not least that my health and earning capacity are closely linked and both a bit carp at the moment! House full of students for the next 3 years maybe? We'll see. As you say, it's all part of musings at the mo and maybe month to month is better.

Hope you got your early night and don't make yourself sick on all that cake (literally, it seems)! x

apple_muncher

Habibiboo wrote: »

:wave:

I'm hoping to get it below £100k by this year's end as a starting point but you're right, it's a bit debt to shift.

Seriously attempting MFI3 would depend on many things, not least that my health and earning capacity are closely linked and both a bit carp at the moment! House full of students for the next 3 years maybe? We'll see. As you say, it's all part of musings at the mo and maybe month to month is better.

Hope you got your early night and don't make yourself sick on all that cake (literally, it seems)! x

Getting from the 100s to the 99s is a great feeling! Go girl!

It does sound like the MFiT challenge may stretch you/pressure you just a bit too far, in my opinion. You need to be both well enough for the work you already do, and well enough to enjoy being with Mr Hbbb.

This year you managed to use all the money from students, I think, to overpay. So why not play around with how much you could get from that next year? Of course, it does mean a constantly tidy house, which would be super tricky here!!!!!!!!!

Am not sick of cake! Had just 2 pieces of my own brownies, (as compared with about 4 on Weds) and that was more than enough.

Have just had a big spend in Aldee. Didn't get the voucher yesterday - d'oh - so no benefit from that. They had merino wool top and legs base layers. I'd been decidedly chilly yesterday morning, and MMM says that merino wool base layers are the way to go. So I am. Grand total of about £32. Can't even put them aside for Cmas, as I reckon I'll want, nay NEED, them sooner.

I am still enjoying perusing MMM. Mr apple muncher went through Martin's email about how to save 1000s, and we are already doing it all, so no gain there for us! He is definitely spending less - we've never done a joint budget, never felt we needed to as neither of us spend much. He seems to frequent the £/99p emporia and complains when primarni want £12 for a pair of trousers! So he doesn't have expensive tastes!

October holds a CIRCUS trip right at the start - Billy Smart's no less. I am sooooooooo excited. We have vouchers that'll get us half price tickets - yay! The 24th holds a trip to LEGOLAND - paid for with stressco vouchers. We'll take 2 rucksacks full of food, and may treat dd to some lego.... Then it's half term. Dd is studying the great fire of london this year (?) and although they do a school trip there, she would like to go with me too. I also need to go and visit my dad one weekend. And have my school's Open Morning too.

Right - off to research circus prices, buy some books for work, and make a lemon cake for dd