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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 6/16; Ex 7/30; craft (19); remove 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 198
    • apple muncher
    • By apple muncher 30th Aug 18, 12:30 PM
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    apple muncher
    Smug face is on . Mortgage is in the 19s.
    NST June ninja #1; NSD 6/16; Ex 7/30; craft (19); remove 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???
    • the cross rabbit
    • By the cross rabbit 30th Aug 18, 4:04 PM
    • 434 Posts
    • 2,654 Thanks
    the cross rabbit
    well done you deserve smug face.
    • muddywhitechicken
    • By muddywhitechicken 30th Aug 18, 6:08 PM
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    muddywhitechicken
    Smug face is on . Mortgage is in the 19s.
    Originally posted by apple muncher
    That's brilliant
    Hope all is well with you Apple.
    MWCx
    Mortgage at highest (April 2008): ~195,000
    Outstanding balance: <29,500
    Current total overpayments: ~128,750
    • apple muncher
    • By apple muncher 31st Aug 18, 6:04 PM
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    apple muncher
    Even smugger face is on today - the funds from the house sale have arrived in my bank. And tomorrow dh and I need to discuss where to move it to and what to do with it. Should be fun!
    NST June ninja #1; NSD 6/16; Ex 7/30; craft (19); remove 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???
    • f0xh0les
    • By f0xh0les 31st Aug 18, 7:33 PM
    • 2,291 Posts
    • 20,726 Thanks
    f0xh0les
    Had to pop over and say Congratulations!! 19's wow!
    just nosing about now.
    See you in September's challenge
    MFW START1/5/16 118,340 Oct17109,49 12/17 108,801/18 108,39 3/18 108,50 4/18108,10 5/18106,99 6/18105,99.7/18105,308/18103,99 9/18102,99 10/18101,999 11/18101,300 12/18100,700,1/19 99,999.99 2/19 99,500 1/3 98,999.991/4 98,500 1/5 97,999.99 1/6 97,500

    MFW 2019 #65
    L&C Referal code- https://referme.to/GNNHtJo
    • apple muncher
    • By apple muncher 1st Sep 18, 6:02 AM
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    apple muncher
    So a new month starts. And so does a new turtle challenge:


    Hello fellow turtles and welcome to NST September - the Sunshine Challenge.

    Set your budgets now. Pay to your debts/savings first and live off the rest. Make sure you're on the best deals for utilities, phones, broadband, etc. Are there any areas in your budget that you could cut down on?
    Use up. Have a look through your cupboards and identify any food that's been lurking there for a while and incorporate it into a meal plan. Likewise toiletries, any half opened bottles - use before opening/buying more.
    NSDs - there are 30 days in September so a minimum of 15 or 20 for a harder challenge. Usual exemptions for ys items, petrol and medical expenses.
    Spread some sunshine - be kind to others, help out friends, neighbours, colleagues and strangers. Share your tales of any random acts of kindness
    Healthy eating - up your fruit and veg intake, quit snacking between meals or choose healthier options. Crisps are my major downfall so I'm going to try and stop snacking on them this month.
    Invest in yourself. Make sure you take the time to do things that you enjoy. Try something new that you've always wanted to do.
    No spending on takeaways, drinks out, etc unless prearranged and budgeted for. Try to find free activities to do.
    Exercise - it won't be long before the darker nights start drawing in so make the most of it while you can. Get outdoors for walk/run/cycle even if only for 10 minutes.

    Try to post every day if you can. The support from fellow turtles on this thread is invaluable and will spur you on to meet your goals

    Who's up for the challenge?



    And, of course, I have signed up. And added my own bit:

    Simplicity of life
    Extend kindness
    Posture
    Train hard
    Eat mindfully
    Meditation, Mental health
    Be consistent: sleep, exercise, eating
    Evaluate routines and activities
    Remember other people, Remove the unnecessay, Rewards

    And decided to take up the Primal Blueprint 21 day challenge as well as a 21 day Kettlebell challenge.


    I have started well - ZCUT KB #5 with my 8k Kb took just 6m45 and the KB snatches took 2m21. All done in under 10 mins today .


    Now to make a coffee and wake dh.
    NST June ninja #1; NSD 6/16; Ex 7/30; craft (19); remove 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 2nd Sep 18, 5:48 PM
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    apple muncher
    Thank you for the congratulations!


    Bagged my first NSD of the month; did my KB challenge for day 2 (40 snatches); helped at kids klub; sorted out the very untidy kids klub cupboards (a workout in itself!); made a yummy tea; prepped my and dd's lunches for tomorrow; arranged where dd will go tomorrow; ate primally; did some sewing; mowed the front; dida (very) little amount of school work.


    Am so expecting to get loads of schoolwork done tomorrow... We'll see...
    NST June ninja #1; NSD 6/16; Ex 7/30; craft (19); remove 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 3rd Sep 18, 8:36 PM
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    apple muncher
    Ha ha, unrealistic expectations re school work! I did get a fair amount done, but not the one piece that I really need to do...

    And my bank will only allow a daily transfer of 20K. Shocking, eh ?

    Wrists aching so much from yesterday's cupboard sorting that I wore wrist supports to work. But I was definitely rockin' the look .

    We have offered 2 cd players (from my parents' houses) to a friend for her kids and she is mega grateful, as they can have them for their main cmas present each. It is v humbling to realise how little some people have, and just how much we have.

    A day off exercise - just as well, as a full day at work wipes me out. Back on it tomorrow. And back to my counsellor after a 4 or 5 week break.

    Have done 3 days of no Jewel Pop on my tablet and I think it will free up quite a lot of time this month. Time that could be much better used.
    NST June ninja #1; NSD 6/16; Ex 7/30; craft (19); remove 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 Sep 18, 1:59 PM
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    apple muncher
    ZCUT KB #6 done and dusted.

    KB challenge day 4 done.

    Counsellor seen.

    Got my sig on dd's saving's passbook, finally.


    Got nec shopping.


    2 loads of washing done and hung up.

    Got dd to school with all her stuff (must remember to go and collect her in a few mins).

    Another 20K transferred.

    Tilly tidy approach applied to:
    -paperwork for work (done most but need to see my report from last year for one section - and that report is on the system at work)
    -sewing bunny clothes (somehow thought I'd get tehm all done in the hols, but I seem to have only done half!)
    - knitting - currently policeman, with Hello k1tty, Santa, fireman and minion still to do...
    - the washing up! (Ha ha - there was simply soooo much of it, somehow...)
    NST June ninja #1; NSD 6/16; Ex 7/30; craft (19); remove 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 4th Sep 18, 3:31 PM
    • 2,644 Posts
    • 27,741 Thanks
    earthgirl
    Great news about the house sale funds. Any update on uses?
    Sounding very productive Apple 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 5th Sep 18, 3:18 PM
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    apple muncher
    Have done my first lot of teaching, and survived. Tomorrow is prepped and I have done one class's lessons until half term.

    Home for lunch, then decided to get my kb challenge done: 60 snatches with my 8K kb.

    Dh has been to a sainz that requires a car, and spent nearly 50. Eek. But there was nothing on there that we didn't need - the local one is currently rubbish as regards gf/df, with the items we tend to buy being out of stock for weeks on end. So, to find a store that does stock them means we buy a lot of them!

    I managed to do about 75 mins of school work this afternoon. So now I feel that I can relax and do more fun things for the rest of the day.

    Earthie - we are going to give about 100k to a man to invest / play? with for us. And some to my sister as she looked after mum for a year, incurring some loss of income. We will have about 28k left. I think I wrote about what jobs needed doing a while ago, but can't remember them all now. Roof, gutters, fencing and windows will do for starters...

    We also discussed paying off the mortgage, but may simply reduce it for now... I can't quite believe we have the money!
    NST June ninja #1; NSD 6/16; Ex 7/30; craft (19); remove 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 Sep 18, 1:57 PM
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    apple muncher
    Half a day's work done.


    2 bags to Sally Army.


    Trousers returned to sainz, and refund gained.


    Nowt spent.


    Bit more planning done.


    Tea prep prepped.


    Washing washed.
    NST June ninja #1; NSD 6/16; Ex 7/30; craft (19); remove 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 Sep 18, 6:48 PM
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    apple muncher
    Tea was a super scrummy primal chicken korma. Yum!
    NST June ninja #1; NSD 6/16; Ex 7/30; craft (19); remove 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 Sep 18, 12:17 PM
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    apple muncher
    Sitting on the sofa, I am aware that I might have overdone the workout this morning. (warm up of course + ZCUT KB #7 with my 8K KB + KB challenge day 7: 70 KB snatches + a well-deserved cool down) Haven't overdone it like that in a while... And have been sitting on the sofa for rather a lot of the time since finishing!

    Walked to the shops this morning and spent my free 5 in Icyland: pombears for dd, green beans for me and walnut whip for dh. We know how to live! Dh is working so hard at the mo that I didn't just want to get him the bread he needed.

    Made a more primal version of nana cookies (used ground almonds instead of oats) and dd mentioned this morning that she'd like some banana bread, so that has also been made. And it has risen!!! Dd had better be impressed...


    The stats on our bathroom scales are encouraging. Not the total weight, but since the start of the month, my fat % is down 0.7% and my muscle % is up0.4%. I'll take that swap! Primal seems to suit my body.
    NST June ninja #1; NSD 6/16; Ex 7/30; craft (19); remove 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???
    • XSpender
    • By XSpender 7th Sep 18, 8:23 PM
    • 3,336 Posts
    • 34,378 Thanks
    XSpender
    Could you share your recipe for nana cookies please? I have some sorry looking bananas and wasn't sure what to do with them as I didn't fancy banana bread and that is the only thing I know to do with past it nanas.
    • apple muncher
    • By apple muncher 8th Sep 18, 8:02 AM
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    • 68,666 Thanks
    apple muncher
    Mash 2 nanas, add 90g ground almonds and 15g coconut flour and 30g mixed seeds.

    Cook on gas 4 for 12 mins.

    And feel free to amend! I basically didn't want to use oats, so it was an experiment. And it worked. Yum!
    NST June ninja #1; NSD 6/16; Ex 7/30; craft (19); remove 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 Sep 18, 8:03 AM
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    • 68,666 Thanks
    apple muncher
    Found a pair of tap shoes for dd in a charity shop yesterday - for all of 3. Snapped 'em up. And tracky trousers for her for 1.

    Dance classes are in a new venue and it is wonderful. A beautifully renovated old manor (?) / hall in a park. Next week I plan to explore it.

    We have all had 2 nights of a lot of sleep. I'm ill. No quibbling about that. Grrr. Last night I managed to keep going until 8.30 - only because I thought that if I went to bed at 7 (as I wanted to...) then I might awaken at 4am or suchlike. But I went through until 8am today.

    My hands are a bit swollen up and feeble. My wrists just ache - on both sides and up into the pinkies/thumbs. (Some of this is no doubt caused by overdoing the KB stuff on Sat, but not all of it). My chest hurts along with my ears and throat.

    The bin men have just been (yeah, a Sunday!!) for the blue recyc so I nipped down to take it out to them. And once back inside, needed a rest for my body to cooldown and stop aching!

    But, enough poor-me-ing. Tis only temporary. I shall stay in all day and snooze as required... And aim to be ok for work tomorrow...
    NST June ninja #1; NSD 6/16; Ex 7/30; craft (19); remove 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 Sep 18, 6:39 AM
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    • 68,666 Thanks
    apple muncher
    I survived work on Mon, thanks to drinking copiuos amounts of water on sunday and not really getting out of bed.

    And today is another rest day - so glad at times like this that I only work part-time. Some pottering jobs to do: washing; school run; some food shopping; put dry washing away; headspace; online sch training; sewing; make bacon poppers.

    Hmm, I'm tired from writing that meagre list! Feebe weeble!
    NST June ninja #1; NSD 6/16; Ex 7/30; craft (19); remove 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 11th Sep 18, 9:28 AM
    • 2,644 Posts
    • 27,741 Thanks
    earthgirl
    Hope you feel better soon, possible virus?
    Giving 100k to a man to play with sounds a bit alarming!!
    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 11th Sep 18, 1:48 PM
    • 8,904 Posts
    • 68,666 Thanks
    apple muncher
    Hope you feel better soon, possible virus?
    Giving 100k to a man to play with sounds a bit alarming!!
    Originally posted by earthgirl

    Defo a virus, so I'm taking it super easy so that I can recover quicker than if I try to push through.


    Am happy to report that I have discovered some daytime rugby union on the telly.


    Have made my own version of the bacon poppers - they are deeeeelishus! Basically egg, bacon, cheese, spring onion.


    Have finally sorted out my online banking for nwide, so I can now transfer money to dd's savings account - she gets 2.5%, so it's worth it.


    Dh is having a manic day: up at 5.50 to go in to do extra caretaking work; home 13.40; grabbed a shower; went out by 13.55 to sort out a friend's new pc; will do his locking up duties on his way home around 18.15; then is out for 19.15 until 22.00 ish. At least he has a day off tomorrow!
    NST June ninja #1; NSD 6/16; Ex 7/30; craft (19); remove 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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