Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 7,704Posts
    • 58,128Thanks
    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 September Sunshine #4; NSD 16/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: 3482; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 19,569 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 199
    • XSpender
    • By XSpender 11th Sep 18, 3:13 PM
    • 3,052 Posts
    • 31,285 Thanks
    XSpender
    Hope you feel better soon from one poorly person to another
    Will update when remortgage gone through....

    Big black hole of debt - 53,515.15 @ 16.12.17
    • greent
    • By greent 11th Sep 18, 5:18 PM
    • 7,360 Posts
    • 74,580 Thanks
    greent
    Oooh - hope you feel properly better soon, 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. 2018 OPs (#18) 6100/7500
    Net sales 2018 658.15/1000 PAYDOX18 (#15) Done 18918.90
    • apple muncher
    • By apple muncher 14th Sep 18, 7:43 AM
    • 7,704 Posts
    • 58,128 Thanks
    apple muncher
    Starting to feel much better now, thanks - possibly helped by having finished work for the week... I am enjoying all my classes so far, which is rather nice.


    I am off for a longish walk today, mixing pavement and woods. I intend going to whsmiffs to buy myself a particular magazine - it is the only place that stocks it and is 3 miles away. And then I intend sitting in a coffee establishment that has wifi (so prob *bux as I can't get it to work in the others), using my re-usable mug thingy, and re-reading the time v money thread. I intend to do much pondering and possibly even some scribbling of notes (I have a notebook and sooo many different coloured pens that are begging to be used...)


    And then I shall visit liddle and get as much off the list as I can comfortably carry before catching the buses back home and hopefullt have a little time on my own before dh gets home (about 1.45 today)
    NST September Sunshine #4; NSD 16/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: 3482; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 19,569 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • XSpender
    • By XSpender 14th Sep 18, 8:17 AM
    • 3,052 Posts
    • 31,285 Thanks
    XSpender
    That sounds like a lovely way to spend the day. Enjoy
    Will update when remortgage gone through....

    Big black hole of debt - 53,515.15 @ 16.12.17
    • apple muncher
    • By apple muncher 14th Sep 18, 12:49 PM
    • 7,704 Posts
    • 58,128 Thanks
    apple muncher
    It was a lovely morning!

    The walk was fun - hardly met anyone and meandered along in my own little world.

    Got to *bux to realise that I'd not brought my tablet along (D'oh!) so had to read on my phone. But I could still do it and have jotted down lots of things. under my 'Health, wealth and a life well-lived' headings. A work friend's father died suddenly at the start of the week, aged just 63. And that has, once again, made me very aware of my own mortality and think about what I need to do to live a long and healthy independant life like my own dad managed to do. Though I must admit that I am often 'scared into immobility' about it all.

    Liddle provided most of what I wanted within my carrying restrictions. Their dried mango has no added sugar, their cottage cheese lasts longer than the aldee stuff, and they stock v1talite. Most of their other stuff that we buy is the same price as aldee too.


    Even managed to do some sewing this morning before taking dd to school.
    NST September Sunshine #4; NSD 16/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: 3482; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 19,569 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 16th Sep 18, 8:02 PM
    • 7,704 Posts
    • 58,128 Thanks
    apple muncher
    Did an 'easy' bw workout this morning, but stopped about 3/4 into it as my heartbeat was stoopidly fast and getting slower at slowing down despite me resting between exercises. Cutting it short was the only sensible course of action. Guess that pesky virus is still lurking around... I've certainly run a bit hot and cold throughout the day.

    Dh and I had agreed to give big sis some money from the house sale, so I did that and sent her a cheeky little text message to let her know. She was so chuffed! I am so glad we did it.

    Secondary school visits are taking up a fair chunk of brain space this month. Then we need to do any tours /tests/letters/forms in addition to the council application one. (And dd will have to make her decision and rank them...) Plus my own appraisal; exam analysis meeting with the head; open morning; visit to mum; after school staff meeting.

    In other news, dh pinned the fleece blankets to the lounge curtains today. We have started prepping for chillier weather. Though we had either the front or back door open for most of the day, as dd was out and about playing...
    NST September Sunshine #4; NSD 16/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: 3482; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 19,569 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 18th Sep 18, 2:34 PM
    • 7,704 Posts
    • 58,128 Thanks
    apple muncher
    Am keeping on top of paperwork at work, so far. It helps that I got some done at the end of the summer term when I had some time and brain space to do it. I have just completed part 1 (of 2) online training modules and got my 100% certificate on the 2nd go. Am rather chuffed with that .


    The grumpy lady on the self-service tills at my local sainz is now my friend! I have made a point of passing a nice comment to her recently, which I guess helps all round. And today she gave me extra lego packets and was chuffed when I said that she had made my dd a very happy girl.
    NST September Sunshine #4; NSD 16/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: 3482; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 19,569 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 19th Sep 18, 7:56 PM
    • 7,704 Posts
    • 58,128 Thanks
    apple muncher
    Finished part 2 of the training. And got my cerftificate. Read 270 pages of a handbook (ish...) and printed and signed last page to prove it. Phew.

    Went ot aldee to take advantage of their beetroot offer. And also got some christmassy fat squares that are perfick for bunny christmas clothing. Though I need to clothe the current bunnies first before making any more. Or maybe I don't...

    Off to bham on Fri. First time ever without the house, so it'll be a little different. Am trying to work out how to see mum, take paperwork (ie survey)back to the solicitor (they don't include sae, so I sure as heck aint paying postage - will happily stretch my legs to their offices), buy tea (only have a microwave and kettle and small fridge), maybe see mum again, maybe go and see old house, maybe mooch around some ch shops... Mum has a dentist appt at about 2pm so am not sure if it's worth trying to see her before that, as the journey takes about 4 hours and I can't leave here until after the school run. And afterwards, I know she'll be exhausted, so a visit may cheer her up. But past experience says that she'll be imposs to cheer up and I struggle immensely with that negativity.

    From where mum is, it's 1+ miles to the old house, then 2+ to the solicitor, then 3 to the flat, then 1+ back to see mum... Gah! Too much for my brain tonight.

    I'll mull it over tonight, and also see how the journey goes.
    NST September Sunshine #4; NSD 16/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: 3482; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 19,569 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 21st Sep 18, 7:44 AM
    • 7,704 Posts
    • 58,128 Thanks
    apple muncher
    Off to brum today. Will be taking it easy as the lingering virus still pops up every few days. Sigh. Must do: see mum, drop papers at solicitor, eat and sleep. Everything else is an optional extra!

    Am taking fabric to cut out more bunny bodies. And wool for knitting santas. And a strong brolly!
    NST September Sunshine #4; NSD 16/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: 3482; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 19,569 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • the cross rabbit
    • By the cross rabbit 21st Sep 18, 10:27 AM
    • 64 Posts
    • 279 Thanks
    the cross rabbit
    Hope you don't end up re-enacting a brolly scene from mary poppins with the wind today
    Mortgage 82,000, due to end July 2036. OP by 50 a month,due to finish Dec 2034 still
    • apple muncher
    • By apple muncher 21st Sep 18, 5:59 PM
    • 7,704 Posts
    • 58,128 Thanks
    apple muncher
    Hope you don't end up re-enacting a brolly scene from mary poppins with the wind today
    Originally posted by the cross rabbit
    Ha ha, I tell the kids I teach that I am Mary Poppins because I'm practically perfect in every way!

    I reckon I escaped most of today's strong winds whilst I was out and about. But they are picking up again now, and I'm glad to be inside.

    Saw mum, dropped papers to the solicitor, bought mum some tights (need to put name tags in them), shopped for tea at aldee and included flowers for lovely friend here, caught the bus to the flat, saw lovely friend for a good natter, and am now installed for the night, unashamedly in my jamas. I'll cobble tea together soon and then either cut out or knit until bed time.
    NST September Sunshine #4; NSD 16/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: 3482; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 19,569 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 22nd Sep 18, 4:04 PM
    • 7,704 Posts
    • 58,128 Thanks
    apple muncher
    I did both cutting out and knitting last night. And listened to a podcast - something I very rarely do, but I'm very glad I did as it was superbe.

    Woke at 6, so had a gentle start to the day. Saw mum again and she was in fair form so I stayed a while.

    A lonnnng journey back home. Firstly the cross-city train was late and then only went at half speed. By the time we reached the city, it was 16 mins late (on a 15 min journey!). So I missed a v1rg1n train, but there was another one 20 mins later. Except it left 22 mins late and arrived 27 mins late. Walked across to the next station and had an unusual 20 min wait for a train. And then there was simply a lot of traffic that slowed down the bus.

    I am pleased to be home at last!

    25 mins late going to brum. 27 mins late returning. What's the betting that delay repay only kicks in at 30... But we'll give it a whirl...

    And it has meant that I've done a fair amount of knitting - at the flat, with mum, on platforms and on trains.
    NST September Sunshine #4; NSD 16/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: 3482; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 19,569 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 23rd Sep 18, 11:06 AM
    • 2,149 Posts
    • 23,825 Thanks
    earthgirl
    Glad your mum is ok, sorry to hear about your frustrating journeys though!
    15/5/12 Paid off Mortgage 1 (220k) Bought Dream House Dec 13 - Mortage 2 -116,508. 15/7/18 Mortgage Free Again
    Kids savings 13,578/36k
    2k Monthly buffer 2k/2k 5k Travel savings 3203/5k
    • CathT
    • By CathT 24th Sep 18, 6:34 AM
    • 5,713 Posts
    • 39,915 Thanks
    CathT
    That journey sounds exhausting but glad all went ok in B'ham. Has the virus completely gone now? They do seem to linger on. Time vs money thread sounds interesting too.

    Thanks for you advice on gf on my thread too, much appreciated.
    Sept 2018 -
    part 1 - 75,557
    part 2 - 44,913
    Total - 120,470
    • apple muncher
    • By apple muncher 24th Sep 18, 7:09 PM
    • 7,704 Posts
    • 58,128 Thanks
    apple muncher
    Talk about front-loading your work week!

    8.10 meeting (found out that the dad of a pupil that I mentored last week has died - expected and peaceful, but still v upsetting). Full day of teaching, appraisal during my free (went v well), club run at lunchtime, meeting after work until 5.05. Also managed to mark a set of books.

    And breathe! I have learned to plan nowt for this sort of a Monday...
    NST September Sunshine #4; NSD 16/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: 3482; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 19,569 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 25th Sep 18, 2:55 PM
    • 7,704 Posts
    • 58,128 Thanks
    apple muncher
    Wiped out from yesterday. And 9 hours of sleep doesn't seem to have helped much.

    Saw my cousellor today - always good. And even the usual amount of walking that I do from there to get home has wiped me out. I have spent the last 3+ hours sat on the sofa, with aching legs and back/shoulders. Sigh. So, exercise is completely out of the question and I need to keep my focus on eating well (and not putting sugar in to my system). And keep sleeping lots. And keep drinking lots of water.

    Found a perfect card to send to my mentee and his mum. It said exactly what I wanted to say on it.
    NST September Sunshine #4; NSD 16/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: 3482; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 19,569 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,595Posts Today

5,215Users online

Martin's Twitter