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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 13/16; Ex 13/30; 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 224
    • Karmacat
    • By Karmacat 12th May 19, 9:00 PM
    • 31,628 Posts
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    Karmacat
    Happy End Of Birthday Day
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • greent
    • By greent 12th May 19, 9:35 PM
    • 8,105 Posts
    • 82,326 Thanks
    greent
    Happy Birthday, apple!!! 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 13th May 19, 7:24 PM
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    apple muncher
    Thank you for my birthday wishes - very gratefully received .


    My manic monday ended up being less manic than anticipated, as I was armed and ready for it. I was able to cross things off lists, and rip up some lists as I'd completed them. It did have its moments, as I was trying to locate a particular listening test online and just couldn't find it for a lonnnnng time. Then I lost it as I started the class who I needed it for. But was able to find it much quicker that time around.

    Lots of marking generated today, and I have even brought some home. But tomorrow's priority is some online exam stuff. The marking can wait .

    Did another workout: 21x10/30
    -squat + press L with 5kDB
    -R
    -pike jump + squat thrust
    -1-legged bridge L
    -R
    -pike jump
    -knee hug

    Now up to 26 consecutive days.
    NST June ninja #1; NSD 13/16; Ex 13/30; 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???
    • CathT
    • By CathT 14th May 19, 6:13 AM
    • 6,058 Posts
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    CathT
    Belated birthday wishes Apple. My children have texts and I ignored the precise papers so as not to stress them out. They'll do as well as they are naturally able and these ones are only for the school to look good! Will be year 6 tests for dd next year though.

    The fox project, are you thoughts turning to C*****mas fayres?
    June 2019 - part 1 - £69,271 part 2 - £43,690
    Total - £112,961 101 months to go!
    • apple muncher
    • By apple muncher 14th May 19, 4:27 PM
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    apple muncher
    Thanks Cath. Dd is enjoying the sats so far. Today was comprehension and she enjoyed all 3 texts and reckons she aced it!

    We're just back from her new swim class. Yes, it's rather a rush to get there for 4, but she loved it, and we're back home with her munching her tea soon after 5. I did 20 lengths myself.

    Today's workout was one that Zuzka reckoned would take about 1 min to do once through . It took me 3! I did 12 minutes of it, so just over 4 rounds.



    Have arranged to reduce my counselling sessions to twice a month. Should be ok with that.



    Aldi had a section of gf items, so I bought a few. Not much cheaper than sainz, and not our usual purchases, so rather a one-off. No point in needless spending, eh?


    My sch summer fair is 22nd June, so my projects are with that in mind. Though quite why I'm focussing on knitted items is anybody's guess... Guess I should do a stock-take in the next few days, as I'm not going to have a lot of free time once the marking kicks in...
    NST June ninja #1; NSD 13/16; Ex 13/30; 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 15th May 19, 6:37 PM
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    apple muncher
    I've had a good day at work.

    My trip has been given approval to run . Cos I don't have enough paperwork to do... .



    I enjoyed my kettlebell workout - took about 7 mins as I did 3 rounds of it rather than see how much I could do in 5mins.


    Dd and I walked up to the posh school to drop off paperwork. Actually, she cycled. Barefoot.


    Had a windows man round. Boy, do they cost a lot. Even after all the discounts that he can apply. And that was only for the front of our mid-terrace - 1 door, 1 floor-to-ceiling window and 3 others. When I had my little end-of-terrace in Leics, I had 2 doors, 1 bay window and 6 other windows all different shapes and sizes and openings. All replaced for...£3111. Those were the days . Dh is going to arrange for at least another 2 companies to visit.


    Still no motivation to get my sch marking done. Or any sewing. Whoops. But I have mowed the front and back, so that's all right...


    A friend dropped my bday present round - a hanging basket with a pale pink 'fat' fuschia bush in it. Wonderful!
    Last edited by apple muncher; 15-05-2019 at 6:44 PM.
    NST June ninja #1; NSD 13/16; Ex 13/30; 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 15th May 19, 7:11 PM
    • 2,652 Posts
    • 27,781 Thanks
    earthgirl
    Sorry I missed your birthday, will you accept belated birthday wishes!

    Hope you get the pesky marking out of the way so you can enjoy the weekend.
    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 16th May 19, 7:53 PM
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    apple muncher
    Thanks earthie!


    Got 1/3 of pesky marking done this morning... The rest has come home with me to keep me company.

    Did my workout, 10 mins, 20x25/5, 12K KB. All good fun! Another workout chosen for the morning.

    Took a bag to the Sally Army. 5 so far this month.

    Meeting a friend for coffee tomorrow. Am sooo excited about going out! Will be using the buses, so should get some walking in. And if I'm early, there's a charity shop to visit... The week after I go and see mum, I always find that I need to have a nice Friday with lots of time to myself.
    NST June ninja #1; NSD 13/16; Ex 13/30; 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 17th May 19, 6:45 PM
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    apple muncher
    Had a lovely time with friend, and she paid. Yay!

    Got points added to my n3ctar card from when I forgot it when shopping.

    Found some perfect sandals in the ch shop £4, and 2 books for dd for 30p.

    Stonking workout. It took Zuzana 33 minutes to do all 4 rounds, do I just set a timer for 20 mins and did as much as I could, which was 2 rounds and 12 squat. It looked a deceptively simple one...
    -20 x pick sbag (26lbs) on to alt shoulder, squat, drop sbag, squat jump
    -20 reptile
    -20 each side 1-legged squat and jump
    -15 each side side plank raise with fore + back leg lift
    Simples .

    Now to choose another one for tomorrow.

    Dd and I went to the library after school and took out 17 books between us. We also have another 7 or 8 using the online book service.
    NST June ninja #1; NSD 13/16; Ex 13/30; 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???
    • Karmacat
    • By Karmacat 17th May 19, 7:50 PM
    • 31,628 Posts
    • 186,683 Thanks
    Karmacat
    Have a lovely weekend, apple and hope you had a lovely birthday too.


    As for the windows, can I just say ... these discounts are false, you can bargain as hard as you like, and you can be absolutely sure the company is fine. They won't go past their bottom line, its a trick, I'm afraid to say.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • earthgirl
    • By earthgirl 17th May 19, 8:20 PM
    • 2,652 Posts
    • 27,781 Thanks
    earthgirl
    I have been loving my workouts lately too. Found a great 15 minute strength one that I just love and I can really feel the difference.

    I have a library trip planned tomorrow as it going to rain here. What a shock after all this sun!

    Have a great weekend!
    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 18th May 19, 11:42 AM
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    • 68,716 Thanks
    apple muncher
    Hi Karma

    Ooh - you just made firefox crash! You have superpowers!! Use them wisely...

    Did a 5-min workout this morning, but doubled it up to 10. Used my 12k KB and I'm v pleased with my progress.

    Now having a very quiet day. Dd has opted out of dance and is tidying up her poppers. Yes, press studs. Press fasteners. A bundle I'd found in a ch shop and she is separating each pair from the card, re-attaching them to each other, and creating piles of different sizes.

    Me, I'm doing the niggly finishing off of previous knitting bits. Approx 12 eyes on foxes and fish; 6 ears sewn up and attached; 6 noses embroidered on foxes; seam sewing-up of 4 mittens. Still to do: 4 fox ears to make and sew up and attach; 4 fox sox seams and 2 mouse seams to sew up.

    Then I can finish my penguin mitts.

    Then I can start to sew the teddies I cut out aeons ago.

    But by then I'll be stuck into exam marking... Whoops.
    NST June ninja #1; NSD 13/16; Ex 13/30; 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???
    • Karmacat
    • By Karmacat 18th May 19, 1:06 PM
    • 31,628 Posts
    • 186,683 Thanks
    Karmacat
    Me not human! Me have superpowers Woo hoo!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • apple muncher
    • By apple muncher 18th May 19, 6:49 PM
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    apple muncher
    I may have placed 2 food orders rather recently...


    One with AF.


    T'other with doves - a massive gf flour order. Plain, self-raising, bread, rice and pizza base mix.



    So now, dh won't be the only one getting surprise parcels!
    NST June ninja #1; NSD 13/16; Ex 13/30; 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 19th May 19, 7:09 PM
    • 8,913 Posts
    • 68,716 Thanks
    apple muncher
    Did extra help at kids klub today as they were short. It's always much noisier with this particular leader, so I was glad to leave early to take dd trampolining. We'd arranged to meet up with a friend she'd made at the posh school, so the girls went bouncing off and the mums got to know each other. They are a really lovely family and I hope they liked us too...

    I have finished the knitting part of the second penguin sock (I'd forgotten all about them!). This was trialling a new method to male the 'easiest sock ever' pattern even easier. And I think it worked... Tho' I do still need to sew them up. Can someone please create a self-sewing-up sock...

    This coming week is our internal exams week for ks3. But I'm still teaching y10 and y5 as well as invigilating ks3, so I don't gain much time... And must simply remember to be at the right place at the right time with the right materials... Oooh, just remembered that I drew my pen-and-paper schedule charts for the week. They're in the 'purple folder of an organised life'.



    Mon - invigilate; teach y10; teach y5; order cupboard/wardrobe thingy; check re trip letters/replies; do some generics; possibly mark those pesky listening tests that are now my closest friends... Also - headspace; workout; turn up dd's trousers...


    Standardisation starts on Tuesday. I will soon be wondering what I used to do with all my 'free time' that will then be allocated to it...
    NST June ninja #1; NSD 13/16; Ex 13/30; 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 20th May 19, 6:59 PM
    • 8,913 Posts
    • 68,716 Thanks
    apple muncher


    Mon - invigilate; teach y10; teach y5; order cupboard/wardrobe thingy; check re trip letters/replies; do some generics; possibly mark those pesky listening tests that are now my closest friends... Also - headspace; workout; turn up dd's trousers...

    Originally posted by apple muncher

    I did it all, except turning up dd's trousers . And I did some extra marking that was even older than the pesky marking. And I also did some fresh marking.
    NST June ninja #1; NSD 13/16; Ex 13/30; 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 21st May 19, 7:06 AM
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    apple muncher
    So far, so good.


    Headspace done.

    300 jump squats jumped in 17m30.
    Washing is on.
    NST June ninja #1; NSD 13/16; Ex 13/30; 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 21st May 19, 9:38 AM
    • 2,652 Posts
    • 27,781 Thanks
    earthgirl
    Yey to all the pesky things done.

    What is this - you know I love this kind of thing

    'Oooh, just remembered that I drew my pen-and-paper schedule charts for the week. They're in the 'purple folder of an organised life'. '
    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 21st May 19, 6:18 PM
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    • 68,716 Thanks
    apple muncher
    It's not too exciting, earthie... I got some squared paper and hand drew (v roughly) a grid for 7 days going down and 1 hour slots going across the top, from 6am - 7pm. It was because I knew I had teaching, invigilating, standardisation, exams, marking as well as the usual activities. And I wanted it on one sheet of paper. I also did one for the week after half term, then did one for half term. There's a small amount of colour coding .


    They are in a purple wallet folder along with my printouts for schedules at work, etc. Hence the name - it makes me feel organised!
    NST June ninja #1; NSD 13/16; Ex 13/30; 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 21st May 19, 7:40 PM
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    • 68,716 Thanks
    apple muncher
    300 jump squats in the morning and 38 lengths of swimming in the afternoon. I am rather tired and my body is starting to let it be known that while it enjoyed the exercise, it would like to go to sleep. Now.
    NST June ninja #1; NSD 13/16; Ex 13/30; 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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