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  • FIRST POST
    • 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 195
    • apple muncher
    • By apple muncher 11th Jul 18, 4:29 PM
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    apple muncher
    Have finished all my extra extra marking. Go me! (just one squiffy one that may take a little while left)
    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 12th Jul 18, 9:13 PM
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    apple muncher
    And now I have extra extra extra marking!


    Am in bham now at the end of a busy day.


    Took dd to sch then went on to my sch to finish clearing up and taking papers to recyc and books to the car. Then to the ch shop - 2 heavy bags. Then the PO. Then the bank. Then back to the car via liddle (heavy bag). Then took a h e a v y box of books to 0xfam. Then home for lunch. Phew. Had an epsom salts bath - v nice! Then to the dentist. Then to dd's taekwondo grading (she passed, of course ). Then finished packing and set off.


    Tomorrow I want to drop off papers to the solicitor as soon after 9 as I can and then be back here for 11 as the charity people may turn up then. By teatime tomorrow I may be sitting, sleeping and eating on the floor! Which would be a good thing. Once they have been, I'll go and see mum for a bit .


    But for now, I need my sleep. We had a worrisome email yesterday that upset both of us and neither of us slept restfully. Hope tonight is better, as we have replied to it.
    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 14th Jul 18, 3:26 PM
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    greent
    Hope the charity people turned up and - more importantly - the worrisome matter is now less worrisome/ hopefully resolved 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
    • earthgirl
    • By earthgirl 14th Jul 18, 4:53 PM
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    earthgirl
    Sound like a very productive day. Yes also hope the worrisome matter is sorted.

    Extra extra marking? How do you do it!
    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 14th Jul 18, 6:24 PM
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    apple muncher
    Thank you guys - dh replied to the worrisome matter and it is sorted.


    Charity people turned up but took nowt - it is all good quality but not in perfect enough condition for them to sell. Sigh. I have another charity coming in 2 weeks but I may well call a few more, as some of them will GIVE it to people who need it and I would love that to happen. And we can't leave it too late or it will have to go to the tip. Yikes.

    I still can't quite believe that I have broken up, as last week was just so busy. It'll sink in soon enough...




    Went ot bed v v v late (11.30 or later) after marking until 10pm ( the extra extra extra extra stuff) and then chatting with big sis. Slept rather badly and then a loud car drove up the road before(?) 6am and was playing loud music and hten stopped and had the door open. And continued with the loud booming music. After about 10 mins, they drove away. Loudly. Ugh. Then I drifted in and out of sleep for about 10 mins at a time so got up very near 7am. Ugh!



    Discovered that the last remnants that i had opted not to finish last night were still there, waiting for me! So I obliged and finished them off.


    But have not picked up any of the free-for-all stuff. We both went to see mum and brought her back to the church coffee morning then had a wander in the graveyard. Mum really benefits from time outside in woods or quiet nature-y places. I left mum + big sis at about 12 and headed home.



    Having done 24k steps yesterday, I've 'only' made it to 13k today, but my legs/feet/hips would not have been able to do that amount again.


    And my brain would not have been able to properly mark stuff, so it was a deliberate decision not to pick any 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???
    • greent
    • By greent 15th Jul 18, 8:50 AM
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    greent
    What a pain about the charity Are there any furniture recycling projects close by? - we have several around here. Some give furniture away, some refurb/ upcycle/ just clean/ repair by employing people in need and selling on at reasonable prices.

    Trying to dispose of things responsibly can sometimes by so hard!!!
    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 15th Jul 18, 4:06 PM
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    apple muncher
    There is a recycling place, but they don't collect! I may contact them again to ask if they would have the stuff if I can get it to them... BUt then I'd need to hire a man with a van...


    Anyhow, have spent a shedload of money today. we have booked flights to Spain and accommodation. We're going to visit my friend who lives out there. if it were jsut me + dd, we'd be able to stay with her, but we are taking dh along and I don't think we would all squeeze in with her + her 3 kiddies. Plus, they are all used to living in close proximity and at a loud volume. We most definitely aren't! So i opted for our own space. No doubt we'll spend a lot of time with them all, but we can escape too. We go in 2 weeks .



    Good news - dd has the teacher we really wanted next year. yay!!!!
    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 16th Jul 18, 5:42 PM
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    greent
    Whoop! A Spanish holiday! Super exciting!!

    xx

    (Is Spanish one of 'your' languages?)
    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 16th Jul 18, 7:13 PM
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    apple muncher
    Indeed it is, greent. We're going to Galicia where they also speak gallego, which I find harder to understand. Mostly 'cos they mumble, I'm sure!

    Got zcut KB #8 done this morning. It has been a week since my last weights workout and I could feel it!

    Did some number crunching for my marking pay. I think it'll be worth it! But because they pay me in dribs and drabs (or that's what it seems like - it's probably a totally sensible system to them) I need to keep a close eye on it all.

    Finished making up the posies for 4 staff at dd's school. A total of 22 flowers knitted. Dd chose the ribbons and we are both rather smug with our handiwork!
    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 18th Jul 18, 7:01 PM
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    apple muncher
    Did even more marking today! But I chose to do it. More pennies for the pot.

    Helped a friend fill in some paperwork which should help another friend get some help she needs for her child.

    Saw my dr and my bloods are all normal.

    Did zcut #9 all with my 12k kb. Go me.
    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 19th Jul 18, 7:26 PM
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    apple muncher
    A much needed quiet day with no appointments - it's been about 10 days of constant scheduling to be in the right place at the right time.

    Started on 4 lavender-belly-nellies for our friends in Spain. They just need their bellies sewing up.

    Also marked some more - can't believe there is still stuff out there to mark! But becuase I choose to do it, it is more relaxed.

    Watched much of the Tour, up Alp d'Huez. Wow!

    Took advantage of the b-a-b £12 off voucher and took dd to the shop. We were planning to go on Sat but tonight was late-opening and it was a much more relaxed 2-hour excursion than doing it on Sat.
    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 21st Jul 18, 1:59 PM
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    apple muncher
    It is the holidays for us all - yay!

    We are in the process of emptying the lost property box at dd's school , washing it all and taking it to the ch shop. Though the temptation is there to try to sell some of the stuff, eg size 9.5 ad1das footie trainers... Don't think I'll succumb ...

    We took 2 bags to the Sally Army this morning and then went round all 7 charity shops. We came away with very little indeed, which was pleasing.

    We met Peppa pig on the high street - she must've been roasting!

    I have cut back my roses and dead-headed one of the phlox plants - it has really struggled in the dry weather and right from the start it had wilted leaves, poor thing.

    All in all, a rather lazy day thus far.
    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 22nd Jul 18, 7:49 AM
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    earthgirl
    Its raining up here, feel free to visit!!
    Enjoy the hols x
    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 22nd Jul 18, 3:08 PM
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    apple muncher
    A chillin' day - apart from the temperature!

    First thing, I did a yoga routine from a book I bought yesterday for 99p.

    A whites wash was done and hung outside.

    Then we toddled off to church and kids klub.

    After lunch I did a zcut kettlebell workout - #11 - nearly all with the 12k kb. Followed by 100 12k kb swings in 3m03.

    The floor has been swept - much needed - and the rug is in with another wash.

    2 more Sally Army bags are ready to go. Will take them to the shop in a couple of days - we'll go to the one that's just 1 bus ride away and also mooch round the other ch shops there.

    Tomorrow dd and I shall go for a swim. She gets free holiday swimming and I get in cheap. We'll couple it with a visit to the 1 ch shop in that area + an Icyland shop to build up to our free £5.

    My gladioli are flowering - an experiment from the £shop - and they are beautiful 2-tone ones. Awesome!
    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 23rd Jul 18, 2:31 PM
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    apple muncher
    And more heat today...

    Took dd swimming this morning - it has fair worn me out! We both had fun and it was well worth it. Dd gets free swimming in the hols (for a £2 set up fee) but I'm paying 'full whack' now as they changed ownership and my wonderful card that got me a discount aint valid no more. Not that I was paying anything for it anyway! S, plenty of fun for £4.10.

    Have washed more lost property items. They are only getting a 15 min wash as our machine is rather temperamental and dh wouldn't thank me if I broke it... But they'll dry so quickly in this weather.

    The travel insurance we'd set up for going to Oz this summer - and which we couldn't cancel beacause we'd gone beyond the cooling off period - is fine for next week's trip to Spain. A few fewer pennies to hand out. Yay.

    6 more eyes are required to finish the 4 lavender bellied nellies we are taking as gifts. It's only a 20min job, at the most, but I do keep putting it off! Daft.
    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 24th Jul 18, 6:27 AM
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    apple muncher
    Awake early. Again. I think some neighbours must leave the house at 5.19am. And then the immediate neighbours are up and about by 5.30. Ugh. I do try to stay in bed and snooze, but by 6.15 or so, I'm bored of it! So I get up,but have to be super quiet so as not to wake the others (house doesn't have internal brick walls, so sounds travel far).

    Anyhow, I've had a decaff, done a yoga routine, and increased the to-do list.

    In 4 minutes' time I'll put the washing machine on. 7.30 is penty enough of a lie-in for the sleepy heads...
    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 24th Jul 18, 7:40 AM
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    apple muncher
    The wash has finished and been hung out.

    I have made more ginger biscuits and an attempt at pretzels.

    And dd sleeps on...
    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 25th Jul 18, 7:51 PM
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    apple muncher
    Another swim day. Dd can go a bit further each time and should soon be able to swim a width. She is more and more confident and less and less afraid of other people also in the water. She 'swims' around happily whilst I go and do a couple of lengths every so often. It was lovely to have wet hair afterwards as it was so hot outside.

    We have harvested some lavender - I had to stop when I stood up and cracked my head on the open window. Ouch! But we have normal lavender and white lavender, which is unusual - I didn't know it existed. We've made up a sprig of stalks for mum tomorrow, though she'll pick at it and destroy it pretty quickly. At least she can enjoy the lavender smell in the meantime.

    Filled in some more papers for the solicitor and will drop then off tomorrow. Also had a v useful chat with the estate agents. Dd and I have a lonnng list of tasks to do tomorrow: dd has to do her mahs and english pages for the day; pack; travel to bham (via Euston so as to go past the homeless man that we give money to); get off the cross-city train to see mum (with flowers and lavender); get back on the train to take papers to the solicitor; visit barc1ays; mooch around the ch shops; buy food for tea + bfast; go to the house; relax. I don't think I've missed anything out...

    Enough wittering!
    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 26th Jul 18, 5:49 AM
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    apple muncher
    The 5.19 neighbours were running late today - it was 5.42 this morning. Who needs an alarm clock!

    The recyc men are here - they seem to either come at 6am ish or late afternoon.

    The paddling pool is empty and drying out ready for a thorough clean as each time we fill it, there are wiggly live critters in there after a couple of days and the bottom of it goes green really quickly. Yuk.


    Another hot day ahead - but I bet v1rg1n will have their aircon set to 'icy' on the train... so we'd best take a jumper!
    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 26th Jul 18, 7:20 PM
    • 2,660 Posts
    • 27,887 Thanks
    earthgirl
    Hope the trip goes well x
    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
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