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    • apple muncher
    • By apple muncher 19th Nov 13, 4:07 PM
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    apple muncher
    Apple muncher's number crunching
    • #1
    • 19th Nov 13, 4:07 PM
    Apple muncher's number crunching 19th Nov 13 at 4:07 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 4:10 PM. Reason: Can't add up!
    NST June ninja #1; NSD 19/16; Ex 19/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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 194
    • earthgirl
    • By earthgirl 1st Jul 18, 6:40 PM
    • 2,661 Posts
    • 27,894 Thanks
    earthgirl
    Well done dd for teakwando!

    I have had to give exercising a rest due to my back but I was back at it this morning. Good luck with your challenge are you setting targets for weight loss/decluttering?
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    May budget Review - I saved £700 : https://youtu.be/eBorBymXXCQ

    Budget for June - Aiming to Save £2000: https://youtu.be/SExHVDMY_JE
    • apple muncher
    • By apple muncher 1st Jul 18, 6:57 PM
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    apple muncher
    Hmm, targets, eh? I feel rather overwhelmed to commit to any , in case I don't make it. (cowardly, I know!) But maybe that is why I am where I am... We hope to be off to see a friend in Spain in August, so I guess July as a whole would be a chance to see how far I can get? Especially with so few day at work left.

    I have had all of today off from marking, which has been a good thing. Back on to it tomorrow...
    NST June ninja #1; NSD 19/16; Ex 19/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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???
    • greent
    • By greent 2nd Jul 18, 7:41 AM
    • 8,114 Posts
    • 82,406 Thanks
    greent
    Just caught up on the last 7-10(?) days - you've had a busy time! However, your posts sound lovely - and pretty chilled, seeing how busy you've been! xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/18 £54829 2019 OPs (#18) £1972.10/£5K
    Net sales 2019 £173.62/£500
    • apple muncher
    • By apple muncher 2nd Jul 18, 5:29 PM
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    • 68,840 Thanks
    apple muncher
    I feel that I am in a good place at the moment, greent. Half wondering if that is linked with the fact that I haven't been able to travel to see my mum since half term...



    Got home from another busy yet satisfying day at work and decided to try zcut power yoga #1. 20 mins. Ooph. I then sat in the paddling pool to cool off!


    Am having another day of 'light' marking: just 35 mins this morning. Will prob do the sme tomorrow as I am outing and abouting rather a lot.
    NST June ninja #1; NSD 19/16; Ex 19/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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???
    • julicorn
    • By julicorn 2nd Jul 18, 6:19 PM
    • 759 Posts
    • 3,159 Thanks
    julicorn
    I'm very impressed that you found the motivation to exercise in this heat!
    • apple muncher
    • By apple muncher 2nd Jul 18, 7:00 PM
    • 8,929 Posts
    • 68,840 Thanks
    apple muncher
    I was so hot and sweaty anyway when I got home, that it seemed the ideal time!
    NST June ninja #1; NSD 19/16; Ex 19/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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 Jul 18, 5:05 PM
    • 8,929 Posts
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    apple muncher
    ZCUT #5 got done today with my 12k KB. Ooph to those overhead presses!


    Another good day at work. Only there for half of it but it was good.



    Collected my cube shelving this morning form sainz (via argus) and need to take in a phillips screwdriver tomorrow for fun with flatpack. I am stooopidly excited about it!


    Binned more paperwork.


    Researched more orders - and remembered to claim back for the cubes.


    Non-gardening neighbours have surprised us by clearing most of their back garden. Wow indeed! We shall still hammer in teh bits of copper piping in to the trees, but they have done a fair job.


    I am now thinking that we might be able to get the fence on that side done. Although it is really their responsibility, they rent the house and sure as heck aint gonna bother with the fence. And the landlord is useless. And I want some privacy and a nicely fenced garden to spend time in.


    Finally heard from the solicitor who we are using to sell mum's house. I had contacted them after hearing nothing for almost 5 weeks. Turns out that they had sent their email TO THE WRONG FLIPPIN' EMAIL ADDRESS by spelling my name with the wrong initial. Boy am I fuming. How dare they spell my name wrong when they had it on an email from me. Just plain careless and RUDE. It has been suggested that I mention the GDPR rules, as another person has my name and address now...


    Off to re-heat dinner. Sausage casserole or chili... ?
    NST June ninja #1; NSD 19/16; Ex 19/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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???
    • greent
    • By greent 5th Jul 18, 11:45 AM
    • 8,114 Posts
    • 82,406 Thanks
    greent
    Definitely complain re data protection - all businesses should be all over it right now, so a mistake such as that is appalling
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/18 £54829 2019 OPs (#18) £1972.10/£5K
    Net sales 2019 £173.62/£500
    • apple muncher
    • By apple muncher 5th Jul 18, 6:53 PM
    • 8,929 Posts
    • 68,840 Thanks
    apple muncher
    Definitely complain re data protection - all businesses should be all over it right now, so a mistake such as that is appalling
    Originally posted by greent
    Thank you, I shall.
    NST June ninja #1; NSD 19/16; Ex 19/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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 5th Jul 18, 7:02 PM
    • 8,929 Posts
    • 68,840 Thanks
    apple muncher
    Another good day.

    All my quota of marking is complete Unless I request more .

    I made the cube shelves at work so they are ready to be put into position next time I go in. And I can also fill them!

    More recycling of paperwork.

    Got away in time to watch some of dd's first ever football match.

    Did some online CPD.

    Just 1 more day of work left .

    Went through some 'booklets'? of fabric swatches (?) with dd to only keep the ones we really love. Have cut out the rest for big sis to use at her work. Just need to transport them the intervening 300+ miles... Have also not cut some up, to give them to the ch shop.

    Did power yoga #2. It wiped me out!

    A stay-at-home day tomorrow as I have rearranged parce1f0rce and do not know when to expect them. Plenty to be getting on with.
    NST June ninja #1; NSD 19/16; Ex 19/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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 Jul 18, 12:20 PM
    • 8,929 Posts
    • 68,840 Thanks
    apple muncher
    Am swallowing frogs today.


    Made a blood test appt and got one this morning, so it is all odne.


    made a follow-up dr appt


    made a dentist appt


    arranged for a charity to come to look at stuff in mum's house


    looked up some resources for work online


    renewed library books


    half-done 2 sets of expenses as I need dh to scan the receipts for me


    downloaded the paperwork from the solicitor


    sent a couple of needed emails (not to the solicitor yet - that needs good wording...)
    NST June ninja #1; NSD 19/16; Ex 19/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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???
    • earthgirl
    • By earthgirl 6th Jul 18, 6:25 PM
    • 2,661 Posts
    • 27,894 Thanks
    earthgirl
    Woop go finishing marking and work.

    Hope the football match went well.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    May budget Review - I saved £700 : https://youtu.be/eBorBymXXCQ

    Budget for June - Aiming to Save £2000: https://youtu.be/SExHVDMY_JE
    • smallholdingsister
    • By smallholdingsister 7th Jul 18, 5:38 AM
    • 3,601 Posts
    • 30,239 Thanks
    smallholdingsister
    Hi Apple.

    I would complain to the solicitors complaints partner AFTER they have finished their job.


    xxx
    • apple muncher
    • By apple muncher 7th Jul 18, 9:09 AM
    • 8,929 Posts
    • 68,840 Thanks
    apple muncher
    The Tour starts today.

    There is also althletics on the box.

    Not to mention Wimbledon.


    I am like a pig in clover!
    NST June ninja #1; NSD 19/16; Ex 19/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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 Jul 18, 6:35 PM
    • 8,929 Posts
    • 68,840 Thanks
    apple muncher
    Extra marking started so I can judge how long it might take me.


    ZCUT kettlebell #6 done all with the 12k KB. Ooph. I was a sweaty pile on the floor at the end.


    Dh took dd to dance for me so I could work.


    Caught the last 20 mins of dd's sch fair - she 'won' 4 smallish care bears on the teddy tombola, so not too bad.



    We have decided that I'll knit some posies of flowers for dd's teacher (who she is struggling with) and her TA (who will also get another present). So I have knitted about 8 so far and planned the centres and stems. Am feeling pleased with myself!


    We have emptied the paddling pool - critters were swimming in it! - all over the garden, so it can dry and be cleaned tomorrow. Ready to be filled again .
    NST June ninja #1; NSD 19/16; Ex 19/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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 9th Jul 18, 7:34 PM
    • 8,929 Posts
    • 68,840 Thanks
    apple muncher
    I have finished my last day at work for the term. . It was a very busy one indeed. Even busier than recent busy ones! I'll not bother listing what I did, but suffice to say it made me very hot and sweaty and removed a lot of heavy items from my room. However, the room is looking good and I am well pleased with myself.

    Though my hands really ache - will I ever learn to take it easy...?!

    There is still a fair amount of stuff that I shall take to the charity shop later this week, so I do still have to go back in to work. But I shall park up by the front door so that loading the car is simpler, and go straight to the ch shop. I also need to do a cheque rec which I can drop off then.

    But I'm not doing it tomorrow!

    Tomorrow, I have the morning to mark and do a workout, then I'm accompanying dd to another school where she's singing in a concert.
    NST June ninja #1; NSD 19/16; Ex 19/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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???
    • earthgirl
    • By earthgirl 10th Jul 18, 7:27 PM
    • 2,661 Posts
    • 27,894 Thanks
    earthgirl
    Congratulations!!

    Sounds like you finished on a high.

    Hope you enjoy your well earned rest.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    May budget Review - I saved £700 : https://youtu.be/eBorBymXXCQ

    Budget for June - Aiming to Save £2000: https://youtu.be/SExHVDMY_JE
    • greent
    • By greent 10th Jul 18, 7:30 PM
    • 8,114 Posts
    • 82,406 Thanks
    greent
    Whoop! No more work for a while!

    Hope the concert today was lovely
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/18 £54829 2019 OPs (#18) £1972.10/£5K
    Net sales 2019 £173.62/£500
    • apple muncher
    • By apple muncher 10th Jul 18, 7:53 PM
    • 8,929 Posts
    • 68,840 Thanks
    apple muncher
    Concert was indeed lovely.

    Did zcut #7 mostly with my 12 k kb - even the windmills. Still cannot get the hang of OH squats even with the 8 k, so need to work out how to master the technique for those.

    16k steps done today.

    Have realised I am being stressed by sthing - then realised it's the paperwork for mum's house. So that is on tomorrow's list.

    Dd has her annual consultant appt tomorrow, so another day of to-ing and fro-ing.

    I have been sent extra extra marking now . Just as well I like a challenge... Dh thinks that I am overstretching myself and that it's not good for my head.... So I'll just not tell him when I'm doing it! It needs finishing by Friday, but I'm off to bham on thurs night so will have to take my laptop with me...

    Am hoping to get myself back in to work on Thursday now, to finish off the jobs I left unfinished. And remove what needs removing and take it to the ch shop.
    NST June ninja #1; NSD 19/16; Ex 19/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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 Jul 18, 3:05 PM
    • 8,929 Posts
    • 68,840 Thanks
    apple muncher
    Swallowed the frog today - the pesky paperwork for the house. DH will get it copied tonight (why oh why can solicitors not have forms that you can fill in online nowadays???) so that I can take it with me and drop it in on Friday. In person. To a person.



    Snuck in some marking this morning, and finished a question. Go me!


    Got a nice email reply to something I had bu**ered up. Phew.


    Did zcut power yoga #4. Ooph.


    Took dd to and from the hosp - all fine with the consultant.


    Must go in to work tomorrow. And then to the ch shop. And also prob to liddle as it is near the ch shop. Then the dentist and dd's taekwondo grading before travelling up to bham. And finish off another question...
    NST June ninja #1; NSD 19/16; Ex 19/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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???
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