julicorn's journey

julicorn

beanielou said:

Positive vibes to Simon!

Karmacat said:

Simon 

Sistergold said:

Oh Simon, you can do it! 😍

Thank you for all your well-wishes - he's in much better shape already, still smells a little alcoholic but is happily bubbling away, so I'll try and bake some bread on the weekend I think

julicorn

FtbDreaming said:

Hi Julicorn! Well done on the 10 Years ahead! That is the sort of achievement to be proud of! Can I ask how you calculate time knocked off the mortgage? I seem to struggle to work it out lol!

Thank you! Do you have your own overpayment spreadsheet? I can share my formula with you if you like

julicorn

Because it's the new year, we were finally allowed to overpay our mortgage again properly... And we had enough saved up to OP 10% of the outstanding balance in one go, yay! That was exactly £12,821.35, leaving our current balance at just under £115,500 That means no further overpayments again until September, which is when our current fix runs out. Back to just saving in premium bonds, which (after 2 months with no wins) paid out £100 this month! It's been a good start to the year, in other words.  

I'd also like to report back that Simon has recovered beautifully, he clearly felt all of your positive energy We made some amazing sourdough pizzas on Friday, which were SO GOOD, genuinely some of the tastiest pizzas we have ever eaten. It's so good that it should easily replace our usual Friday night take-out pizza, so that's another moneysaving win. Here's a photo:

We baked bread this morning too which was also lovely, albeit a bit dense because heavily improvised, haha! We went out and bought like 8 different types of flour, so will be able to properly follow recipes over the next few weeks, and I'll share the results here as well if anyone's interested

Either way, have a fabulous weekend everyone

beanielou

Great news on the OP 
Pizza looks blooming good 

FtbDreaming

That would be great if you could share your spreadsheet formula @julicorn I have the most basic spreadsheet abilities I can do x - y = z and that’s about it lol xx

julicorn

beanielou said:

Great news on the OP 
Pizza looks blooming good 

Thanks so much beanie, it was honestly super tasty

julicorn

@FtbDreaming I dug out a post where I've shared my formula before, and the 'set-up' needed for it. You might need to add or shuffle around a few things in your spreadsheet to make it work, but here it is. Also, let me know if you need any help, I'm happy to help edit your sheet as well if you run into issues - I know it's a little fiddly, but a really fun stat to have

julicorn said:

Thank you both! :heart2:

BVic28 wrote: »

Hi Julicorn, I found your diary yesterday and have just binge read it. You’re doing amazingly, around £50k paid off in under 2 years is phenomenal!! I’m intrigued by your spreadsheet and how you managed to get it to tell you where you’d be without OPs, is there a magic formula for this? Hope you’re having a fabulous time in Japan, it’s on my bucket list!

Thank you for your kind words!

Basically, in my spreadsheet I have listed out the following things (among many others, it's huge with way too many useless stats ):
A: Month
B: Mortgage balance without overpayments (I also have a few additional columns to calculate that, but the easiest thing would be to just stick your details into an online calculator and paste the results into your sheet)
C: Actual mortgage balance
In column D, I have a little formula that prints for each month the 'equivalent month without overpayments', i.e. how far ahead I am. That formula looks like this:
=(INDEX(A:A,MATCH(TRUE,INDEX((B:B<C2),),0)))
C2 would of course change with each row, so become C3, C4, C5, etc.

Might be worth noting that I actually use Google Sheets for ease of access, but I reckon the
same formula should work in excel too.

I hope that helps

Karmacat

julicorn, that's brilliant - the OP, and Simon the Sourdough sharing recipes will be great, yes please.  The spreadsheet sounds wonderful but I'm not going there

julicorn

Karmacat said:

julicorn, that's brilliant - the OP, and Simon the Sourdough sharing recipes will be great, yes please.  The spreadsheet sounds wonderful but I'm not going there

Thank you! We used this recipe for the pizza base, and the website in general seems really great and has tons of resources and general explanations around baking with sourdough: https://www.theperfectloaf.com/sourdough-pizza-dough-and-recipes/ 
We'll work our way through some of the bread recipes next, starting with the beginner's sourdough bread towards the end of next week.  
There's also a fantastic vegan pizza chain that started here in Brighton called Purezza, and we've just ordered their recipe book which should arrive today. I swear cook books are my downfall, it feels like there's always another one that's worth having To be fair, we don't have a pizza book yet, so that's my excuse here. 

Karmacat

Just started to read the page at that linkie ... definitely, that's a woman who knows what she's talking about!  I'm focussed on my garden at the moment (had the fences done, so the soil is very compressed, but can't do much in this freezing weather) but the kitchen is second on the list after "tidying"  

Interesting about the vegan pizza place!  You've got to love Brighton even when you move away like I did, for house price reasons.