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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
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    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 Jan Questor #1; NSD 14/15; Ex 15/21; remove items 102; 0 bagfuls (51)

    Mortgage 3,000 ish (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
Page 243
    • apple muncher
    • By apple muncher 30th Nov 19, 8:41 PM
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    apple muncher
    It is the end of november. How did that happen?!

    It has been a month of many and varied charity donations, which has been good. I've made it to 17 nsds, I think. Some cmas prep has been done, and ideas written down for others (and I really need inspiration for some other others!). Our health has collectively improved from a very lurgified start of the month to nearly normal.

    Family has figured high this month - but unfortunately not mum, as I've been too poorly to travel to see her. Big sis is staying for her 2nd visit of the month and we have her dd tonight too. My cousin dropped in after he had a localish interview - and he got the job - yay! And today we have had a cousins' reunion - all 8 of us + families - and gone through much of our family tree that we all share.


    Dh and I have realised how little we like to drive in the dark. It was quite a drive to my cousin's house today so dh drove there and I did the return. We would both like a day at home tomorrow, to recover!


    Need to:
    -crack on with needlefelting -my sch fair is this Fri. Eek.
    -actually write and post some cmas cards this year
    -get inspired for the other others
    NST Jan Questor #1; NSD 14/15; Ex 15/21; remove items 102; 0 bagfuls (51)

    Mortgage 3,000 ish (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • apple muncher
    • By apple muncher 1st Dec 19, 5:11 PM
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    apple muncher
    I'm in my jamas.

    I've been in my jamas all day.

    Oops.

    Big sis + niece stayed over and niece slept until 11.30! They only left at about 1.45, so nothing was 'achieved' before that.

    Managed to get dd through some hwk, and start on 2 other bits to get ahead of the deadlines. She is once again under the weather with a bit of a temperature and looking v pale. She has her sch carol service in 10 days time. It is in town, no parking, so to + fro on the buses, but it runs 6.30-9.30, so add on 30-45 mins each end for travel. I have currently given permission for her and me to be there, but think that I'll be withdrawing that nearer the time...

    An nsd (I don't tend to go to the shops in my jamas...). And yoga done - yep, in my jamas - so I feel nicely stretched out.


    I've done the numbers for dec, and joined the nst challenge:
    -24 days not at work
    -7 days at work
    -4 swims
    -2 counselling + dance
    -1 parents eve + fair + mufti + carols(?) + drinks at a friends' house + orthodontist + cmas meal out + ice skating (dd) + visit to mum (dd + me) + hosp visit (me)
    -plus all the stuff going on at church that dh will be involved with


    We have a sainz + a liddle voucher to use this coming week. I have already paid for the cmas meal out, and it is only a few miles away and I can easily catch the bus there rather than faff with parking.

    Some of my crafted items need de-constructing. The rag bag (a b i g binbag that is rather full) needs disposing of. We have 1 bag ready for the SA and surely can fill more. The foodbank (and neighbour) will be supplied.


    The garden must be sorted. I must lose some squidge.
    NST Jan Questor #1; NSD 14/15; Ex 15/21; remove items 102; 0 bagfuls (51)

    Mortgage 3,000 ish (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • Karmacat
    • By Karmacat 2nd Dec 19, 9:08 AM
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    Karmacat
    24 days not at work! Yay! Great idea to count it up taht way
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • apple muncher
    • By apple muncher 2nd Dec 19, 12:46 PM
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    apple muncher
    I do it every month in my notebook karma, as I'm in work 3 days a week, so the 'not at work' number is always larger!


    Today I got as at 6, did my morning routine and went to wake dd at 6.45. She is one poorly bunny. So she's not at school.


    I have done bunny slope #8, with dd as my audience.


    Then I went to the hosp to see about my hernias. I checked in early and sat down to wait. And then someone snuck on the board that there was a delay. Of 80 minutes! Where did that come from eh? Cue emailing work to say taht I might not make it back in, and trying to set cover work form my head...


    Anyhow, I was seen about 40 mins late and the paperwork has been done and I shall be operated on in Jan. Quite soon. General anaesthetic. Need to find out restriction on my movement/driving/carrying after the op. THe one they're going to mesh is the larger one, of course, and is in a strange place, so all the advice will be of no use...




    Anyway, best go to work...
    NST Jan Questor #1; NSD 14/15; Ex 15/21; remove items 102; 0 bagfuls (51)

    Mortgage 3,000 ish (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • apple muncher
    • By apple muncher 2nd Dec 19, 7:57 PM
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    apple muncher
    Had a lovely pm at work with the pupils.


    Then had an after-sch meeting re Inspeckshun. Yep, oofsteed are coming to town. Weds and Thurs. Humph.


    Dd has been on the sofa for most of the day, eaten v little, drunk a fair amount and generally been Unwell. I'll keep her off tomorrow as there's so little food in her system (and she's still running a slight temp). But at least she isn't writhing with tummy pains as much...
    NST Jan Questor #1; NSD 14/15; Ex 15/21; remove items 102; 0 bagfuls (51)

    Mortgage 3,000 ish (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • apple muncher
    • By apple muncher 3rd Dec 19, 9:50 PM
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    apple muncher
    Somebody hid all the buses today. Especially when I wanted to catch one...

    Anyhow, made it to counselling; paid in money to dd's savings; returned a lib bk; marked y11 practice listening tests; added eyes and buttons and caps to 15 snowmen; did a nerdfitness kb workout; did what feels like a gazillion steps but was prob around 13k; attended dd's parents' eve and they were all lovely about her - I only had 3 official appointments so I ninja-ed my way around slipping into a seat when one was vacated; did a wash; helped dd with some hwk; gave her a plan of action for if the tummy aches hit her at sch tomorrow; ate well; collected some moss; spent no money.
    NST Jan Questor #1; NSD 14/15; Ex 15/21; remove items 102; 0 bagfuls (51)

    Mortgage 3,000 ish (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • apple muncher
    • By apple muncher 4th Dec 19, 8:21 PM
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    apple muncher
    The Inspecktors avoided me today. Thank you them. I got through a manic mock listening lesson (only manic because of setting up 5 headphones for 4 pupils on 3 devices using 2 extension leads in a room that is not my own) and a pesky y8 class, amongst others.

    Ibu + lunch sorted out my cracking headache.

    15 snowmen got their noses, so are finished.

    Walked to meet dd from sch, fed her, then went to the walk-in medical centre where she was seen by the lovely Sabrina who gave her a very thorough MOT and found nothing. Phew. It is 'one of those things' - we think dd's digestive system was knocked squiffy by the w/end tummy bug and she's not yet recovered.

    Dd used her 'get out of jail free' card re her painful tummy only once, but had 3 memorable pains at sch. She is improving. Slowly. Ever so slowly.
    NST Jan Questor #1; NSD 14/15; Ex 15/21; remove items 102; 0 bagfuls (51)

    Mortgage 3,000 ish (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • apple muncher
    • By apple muncher 6th Dec 19, 10:43 AM
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    apple muncher
    I am quite appalled by the rise in the price of food leading up to Christmas. Special packaging, special names, very special prices... Just as well we're keeping it simple and normal here.

    Dh suggested to me yesterday that I go shopping to buy myself something 'nice' for cmas. But I have no desire to do so at all. None whatsoever. If I need something, I already have it sourced nice and cheaply. For example, I got myself a sports bra from aldee a few weeks ago - at a good price - which I'm saving for cmas. Equally, dd and I found some fleece/lycra(?) neck warmer thingies - again at aldee - and we bought each other one. She got hers immediately, mine is waiting a few more weeks. And I have asked the step-kids to do a charity donation on my behalf.

    Spent a short time with my neighbour yesterday. She is in a bad way. And it may get much worse. So I am going shopping today to look for things for her. And her dds. I don't care if I embarrass her - I have seen her at her 'worst' and we are still friends. Her house is cold so I'm aiming for socks and fleecy blankets for them all. I think that they hunker down upstairs where it's warmer... I am also hoping to find some thick wool in the shop so I can knit them a big thick pompom hat each.

    In other news, it's my sch fair today and - dare I say it - I feel ready for it! I've given 10 penguins their eyes today and stuck the 2 robins onto moss-covered bamboo. I', pleased with how they look, which is just as well, as I want to give some as presents this year!

    I found a mug for my secret santa in sainz - it says Mr Cool on it (it's for a bloke, and I know that his current mug has a broken handle) and I bought 3x 'pud in a mug' packs from liddle. Total spend = 4.17.


    Enough ponderations. Time to hang that washing up...
    NST Jan Questor #1; NSD 14/15; Ex 15/21; remove items 102; 0 bagfuls (51)

    Mortgage 3,000 ish (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • Karmacat
    • By Karmacat 6th Dec 19, 10:56 AM
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    Karmacat
    What a lovely post, apple - heartwarming, actually
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • apple muncher
    • By apple muncher 6th Dec 19, 8:31 PM
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    apple muncher
    What a lovely post, apple - heartwarming, actually
    Originally posted by Karmacat

    Aw, thanks karma .


    I ended up ordering fleecy blankets online as I reckoned they were cheaper than even primarni at this time of year. I didn't manage to go sock-hunting as it was all getting too late and I needed to get to the sch to set up. I may have to online order them too, though I'd rather go into a shop...

    The fair went well and I made 50-60 squid, which is very nice. I also spent a little, and bought 3 bottle light thingies as presents (for the other others where I needed inspiration), 3 bath bombs as presents, 2 strips of raffle tickets (5 tickets for 1 as opposed to 2 per ticket at dd's sch!) where we won a nice box of chocs (to give as a gift, of course). Dh brought dd along after sch but she only had a glitter tattoo and 2x 20p lucky dip bags. Total spend was about 23.

    Tomorrow:
    - tidy up and put away craft stuff
    - dd to dance
    - workout
    -marking
    -washing
    -prune garden?
    -put cmas decs up
    NST Jan Questor #1; NSD 14/15; Ex 15/21; remove items 102; 0 bagfuls (51)

    Mortgage 3,000 ish (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • apple muncher
    • By apple muncher 7th Dec 19, 5:44 PM
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    apple muncher

    Tomorrow:
    - tidy up and put away craft stuff
    - dd to dance
    - workout
    -marking
    -washing
    -prune garden?
    -put cmas decs up
    Originally posted by apple muncher
    Didn't do too badly...

    I have deconstructed a lot of craft items that do not sell. However, one robin doorstop can be remedied with some canny stitching, and dd wants me to do that and give it to her Head. We have an awful lot of ragbags... I think that I hang on to them because they aren't simply old raggy clothing, but little itty bits from my sewing too. Maybe I just need to distribute the contents into smaller bags and get them to the ch shops...? Will they take them? I also put away the stuff not sold, so we have a bit more floor space downstairs.

    I did a workout - bunny slope #15.

    Dd went to dance. And I took 2 bags to the Sally Army shop and spent about 17 on 4 books, 2 mid-size polly p0ckets, 2x trousers, 1 skirt, 1 puffa jkt, 1 nice jar, 1 beeswax(?) candle, 1 pack tiny cake cases. A mix of items for dd, me, neighbours, gifts, mum.

    2 lots of washing got done.

    However, the marking and garden were ignored... And putting up the decs... Oops.
    NST Jan Questor #1; NSD 14/15; Ex 15/21; remove items 102; 0 bagfuls (51)

    Mortgage 3,000 ish (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • apple muncher
    • By apple muncher 8th Dec 19, 6:53 PM
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    apple muncher
    We were fed for lunch and it was yummy scrummy.

    Did zwow #40 early on - I think it is one of my faves. I will confess to videoing myself - I want to see what I look like and how good (or otherwise) my form is... I haven't yet had the privacy to watch it .

    I forced myself to do some marking. But have left some for another day...

    24 mini chocs have been attempted. Who'da thunk that melting choc and spooning it into mini muffin cases could be soooo tricky... And adding fudge bits/honeycomb bits/white or dark choc chips...Anyhow, dd reckons that they're ok, so - if they set - she can use some for her friends.
    NST Jan Questor #1; NSD 14/15; Ex 15/21; remove items 102; 0 bagfuls (51)

    Mortgage 3,000 ish (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • Karmacat
    • By Karmacat 9th Dec 19, 12:08 PM
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    Karmacat
    Good luck with videoing yourself - thats a good idea when you're doing it for a proper reason like that. I might try that when I start exercising in the house after finishing the garden digging - because of all the digging, my posture is *appalling*!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • apple muncher
    • By apple muncher 9th Dec 19, 7:53 PM
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    apple muncher
    I've watched the video, karma. .



    It won't be going on any publicly-seen device/app/platform.



    Ever.
    NST Jan Questor #1; NSD 14/15; Ex 15/21; remove items 102; 0 bagfuls (51)

    Mortgage 3,000 ish (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • Karmacat
    • By Karmacat 10th Dec 19, 11:11 AM
    • 32,923 Posts
    • 194,760 Thanks
    Karmacat
    Yeah, no, yeah, that would be a mistake, or it certainly would for me
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • apple muncher
    • By apple muncher 10th Dec 19, 3:23 PM
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    • 75,170 Thanks
    apple muncher
    Did a kettlebell workout today. Enjoyed it. Didn't film it!


    Took dd to school; then did a 3-way aldee shop: chocs for dh on behalf of big sis, food for foodbank (and dropped it off in the box in sainz), food for neighbour; did the workout; got the secateurs and chopped away at both the front and back plants before the rain arrived; then I set to allocating small choc bars to colleagues, tying a ribbon round them, adding felted santa/penguin as required, popping in a paper cmas bag and naming them. And then it was the turn of the head cook + kitchen staff at dd's school. And then her Head (I needed to re-sew a robin doorstop head, then stuff it, insert the bags of rice and sew up the belly so that it doesn't all spill out!)


    I'va also made dd some gf/df choc chip cookies as she needs a packed lunch tomorrow. And some really-not-quite-paleo cakey thingies for me. And eaten my lunch.


    Dd will be home soon enough, so I need to have a snack ready before we swoop off to swimming, and once we're back and fed, check on hwk for tomorrow and pinpoint any presents needed for friends at sch.


    I am looking forward to my bed tonight...
    NST Jan Questor #1; NSD 14/15; Ex 15/21; remove items 102; 0 bagfuls (51)

    Mortgage 3,000 ish (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • apple muncher
    • By apple muncher 11th Dec 19, 3:25 PM
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    apple muncher
    Dd wrote cards to all her classmates yesterday. Go her! And she remembered to take them in today... She's ahead of me...

    I had some chats with the relevant people at work, about post-hernia-op stuff. It was only during the last conversation that I clicked that I'd be given a sick note (now called a 'fit note'?!) For at least 1 week, so all my plans and machinations need to change...

    I came home and wanted to do a workout, so just set a timer for 12 mins and did as many squats of various sorts as I could. I made it to 245.
    NST Jan Questor #1; NSD 14/15; Ex 15/21; remove items 102; 0 bagfuls (51)

    Mortgage 3,000 ish (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • Karmacat
    • By Karmacat 11th Dec 19, 10:34 PM
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    Karmacat
    Apple, remind us when the operation is? How are you feeling about it?
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • apple muncher
    • By apple muncher 12th Dec 19, 2:33 PM
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    • 75,170 Thanks
    apple muncher
    Hi Karma - it's mid Jan. I was quite surprised to be offered the op just 6 weeks later, but as the dr was filling in funding forms, then I wasn't going to quibble and request a later date so that it fitted in with school hols!


    I feel fine about it. I've had shoulder surgery and 2x eye surgery. So this doesn't faze (sp?) me. And I get a week off work - although it'll take about a week for the general anaesthetic to work its way out of my system so that'll use up the sick note!


    I am very glad to have finished for the week. Everyone is tired. And it is all much harder work. Just 1 more get up for me.
    NST Jan Questor #1; NSD 14/15; Ex 15/21; remove items 102; 0 bagfuls (51)

    Mortgage 3,000 ish (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • Karmacat
    • By Karmacat 12th Dec 19, 2:35 PM
    • 32,923 Posts
    • 194,760 Thanks
    Karmacat
    Good to hear, apple. Excellent that its just one more getup. And seriously, check out twitter on dogsatpollingstations and catsatpollingstations
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
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