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    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 8,222Posts
    • 62,983Thanks
    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 Join in Jan #3; NSD 7/18; Shlder Ex 5/21; craft 2(0); remove 64 (0); 2018 Pay off: ; 2018 sell 98.10

    Mortgage 18,275 (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 210
    • Karmacat
    • By Karmacat 17th Jan 19, 2:49 PM
    • 30,558 Posts
    • 178,353 Thanks
    Karmacat
    Woo hoo, congratulations!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • apple muncher
    • By apple muncher 17th Jan 19, 7:38 PM
    • 8,222 Posts
    • 62,983 Thanks
    apple muncher
    We have been offered two complimentary tickets to see the production at the posh school. Needless to say, I emailed them back pronto with my requested date!

    Dd cycled home after taekwondo barefoot! Tough cookie, that one.

    The exam board have decided that they still love me and I have had my 2nd contract through. Phew. One of the roles will involve a trip to Manchesterland and I fully intend going to Stockport to loiter round my early childhood house. I may even walk around the block where we used to play, and locate the hedge where I found the broken 'gold' watch.


    I must remember to keep a clear note of my exercise and therefore see my progression.


    I reclaimed some expenses today, so will pay them off the mortgage once they've cleared. I don't feel a need to save to Texas at Easter, as we have the pennies in savings. But I do have a need to keep bringing down the mortgage. It's quite exciting to think of getting it into 4 digits... Though I hasten to add that that will not be happening this year!
    NST Join in Jan #3; NSD 7/18; Shlder Ex 5/21; craft 2(0); remove 64 (0); 2018 Pay off: ; 2018 sell 98.10

    Mortgage 18,275 (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 Jan 19, 6:49 AM
    • 8,222 Posts
    • 62,983 Thanks
    apple muncher
    Dh told me that t1ger are having a sale - everything down to 2. I am sorely tempted to go and see what there is, as I think that they do yoga mats and I'd like to get one for the men at the train stn. But I would then be tempted by other gubbins. And it would take a lot of time up, as it is not very local... And I'm trying not to spend! Maybe I could send him on his own... Or just pretend that it's not happening...

    Anyhow, up and at 'em. 2x shoulder exercises done. Headspace done - it didn't register yesterday's session for some reason, so it thinks that my winning streak of 46 came to an end and I am back to ...1. And coffee is brewing.

    The day has begun .
    NST Join in Jan #3; NSD 7/18; Shlder Ex 5/21; craft 2(0); remove 64 (0); 2018 Pay off: ; 2018 sell 98.10

    Mortgage 18,275 (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 18th Jan 19, 8:18 AM
    • 3,206 Posts
    • 33,119 Thanks
    XSpender
    Well done on going for a run. I've just started running again after being hitty missy with it for the last couple of years. I did my one and only Marathon at almost 39, one was enough I have signed up for C25K at a local running club. I could run for longer than the first few weeks training now but wanted structure and a goal to aim for.

    Is there anything like that where you are? We are all shapes and sizes and ages from about 12 to 60s.

    Happy belated birthday to DD, I hope she gets into the school she likes best.
    15,568.83 all at 0% at 16/11/18 18,222.39 at 28/12/18

    CC 1 1955 CC2 12,217.48 CC 3 2895.54 CC 4 25.60 credit Carpets 1007.42 (21 months left) - 18,049.84 Total at 18/01/19

    Small EF 10% Big EF 0% Holiday 0% Holiday Spending 0% Carpets SIF Fund 0
    • apple muncher
    • By apple muncher 18th Jan 19, 8:10 PM
    • 8,222 Posts
    • 62,983 Thanks
    apple muncher
    I'm sure that there are running clubs XSpender, and there is definitely 1 parkrun venue I might consider. Maybe I'm just ornery and want to do it myself... When I used to run, I ran alone and pored over OS maps to memorise new routes. The only club I ever joined was in my first teaching post and we were the W Bog Trotters. I adored running off road - the muddier the better!


    Am planning to go out first thing tomorrow morning. My kit is all downstairs, so I can just get up, get dressed and get out of the door. If I'm awake - and remember - I'll take my garmin. But frankly, I'm not going far enough to really need it, and my fitbit can measure the distance just fine. But thinking about it, the garmin tracks the route and would, hopefully, be good to use to see progress over time...


    A quiet weekend ahead, I think. Just dance and church on the calendar so far... We could do with a bit of down time...
    NST Join in Jan #3; NSD 7/18; Shlder Ex 5/21; craft 2(0); remove 64 (0); 2018 Pay off: ; 2018 sell 98.10

    Mortgage 18,275 (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 Jan 19, 9:21 AM
    • 8,222 Posts
    • 62,983 Thanks
    apple muncher
    Dd told me last night that she wanted to come with me on my run... Yikes. If she ran, I'm sure she'd be much quicker than me! But she meant on her bike. Nothing I said could put her off. Even the fact that she would have to get up and gt dressed super quickly and come out without breakfast deterred her.


    However, I was up at 6.50 after a night of really odd dreams - poor dh got woken up rather a lot by me as I talk and move around too. So I was out soon after 7 on my own. I went quite a bit further than on Thurs, and ran more of it. It was dark so I did a route that was mostly round the streets until it was light enough to take the footpath up and over by the woods.



    I am showered, fed and coffeed. Ready for a snooze now...
    NST Join in Jan #3; NSD 7/18; Shlder Ex 5/21; craft 2(0); remove 64 (0); 2018 Pay off: ; 2018 sell 98.10

    Mortgage 18,275 (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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