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    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 7,938Posts
    • 60,180Thanks
    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 November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: 4509; 2
    018 sell 55.10; WLOSW 3/10

    Mortgage 18,634 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 204
    • apple muncher
    • By apple muncher 12th Nov 18, 6:10 PM
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    • 60,180 Thanks
    apple muncher
    Soggy. Very, very soggy. Took a lovely group to the cafe but had to walk back in the pelting rain. They were all rather bedraggled when we got back! But we didn't lose any of them.



    Have written my report for the head. Phew. Just getting a colleague to check that it makes sense.


    Managed to catch one mentee and arranged to see them on weds.
    NST November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: 4509; 2
    018 sell 55.10; WLOSW 3/10

    Mortgage 18,634 (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 13th Nov 18, 2:09 PM
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    • 60,180 Thanks
    apple muncher
    Feminine hygiene products to the foodbank. Bought bacon and much-reduced gf df choc for dd (and ibu for dh and 85% choc for me).


    Aldee was heaving; sainz was sooo quiet.


    Online esafety training done; report for head okayed by colleague; off to work soon to piggyback on some of aforementioned colleague's other online training - am taking some sewing up to do as it is only listening!
    NST November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: 4509; 2
    018 sell 55.10; WLOSW 3/10

    Mortgage 18,634 (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 14th Nov 18, 5:38 PM
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    • 60,180 Thanks
    apple muncher
    2nd cafe visit done and dusted. Much better weather! Much noisier group - grrr.

    Report sent in.

    Training yesterday just showed me how much I already know - it was about the summer exams and it was pleasing to realise that I am fully up to date with it all.

    Post-visits feedback mostly completed.

    So, 2 lovely free lunches this week (thank you CR!) albeit with a lot of kiddies in tow. Great to spend time with them outside the classroom.

    NSDs going well.

    Marking is multiplying - so much so that I had to bring some home to do an hour. I lost both my free periods this week (1 cover, 1 on the trip) plus working an extra 3 hours today (unpaid, of course!) for today's trip has meant that the marking is lagging behind in the priority stakes. Can't stay behind tomorrow to do it as I have to leave the citadel by 3pm as I'm going to visit mum. So it had to come home with me. But it is done now.


    Now to turn my thoughts to what to take away with me. I usually take some crafting, but I'm more or less unable to do that this time as it's mostly sewing machine stuff left to do... And I aint lugging the machine on the train .
    NST November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: 4509; 2
    018 sell 55.10; WLOSW 3/10

    Mortgage 18,634 (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 15th Nov 18, 9:00 PM
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    apple muncher
    A lovely day at work. Thoroughly enjoyed myself. And I got my marking up to date.



    Then home to change and pack and dh dropped me at the stn. A smooth journey. It is really mild here - I had to take off my jacket!


    Mum was quite mellow. Talked a lot about her childhood home and her mum and dad. And she was happy to wave me off from her doorway. Of course, a nanosecond later, she could have been in floods of tears.... She really wears her emotions on her sleeve - it is how the illness has affected her. Some emotions linger more than others. The negative ones are particularly stubborn little blighters...


    Plenty of steps today.
    NST November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: 4509; 2
    018 sell 55.10; WLOSW 3/10

    Mortgage 18,634 (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 Nov 18, 7:51 PM
    • 7,938 Posts
    • 60,180 Thanks
    apple muncher
    Another mellow time with mum, talking about her childhood home. Then skipping down the road for my various trains.

    Had found 1 in the flat, so put that in my pocket along with my usual coins for homeless guys I see. It was decidedly nippier and so I have decided to get hold of some thermal socks to give them next time I go there. Am also knitting them some hats. Am writing it here really to make myself accountable. I am often overwhelmed by their situation and end up doing nothing; this time I want to do what I have thought of doing.


    Off shoe shopping for dd tomorrow. The cheap aldee shoes haven't lasted more than a few weeks and although they were 1/3 the cost of emeness ones, at least those ones last much longer.
    NST November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: 4509; 2
    018 sell 55.10; WLOSW 3/10

    Mortgage 18,634 (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 17th Nov 18, 7:50 PM
    • 7,938 Posts
    • 60,180 Thanks
    apple muncher
    Emeness provided exactly the shoes that dd wanted .

    Sp0rts d1rect provided a new cossie for her. Her old one had a droopy bottom and the straps were v loose and needed pulling up frequently. Not a good look!

    The emporium provided thermal gloves + socks, plus 3 small gifts for other people.

    We have a secret santa at work and the upper limit is 10. That seems rather a lot to me. I'd much rather have a small amount - like 3.50- so it'd be more fun...

    Wore socks and my walking shoes today, after months of wearing sandals or my vibrams. It was soooo good to go back to barefoot once I was home.

    5 bunnies are now clothed. 6 more have clothes cut out for them, leaving one naked bunny .

    I have started on the first hat.

    Thoroughly enjoyed Wales v Tonga- great fun to watch. Scotland v S Africa was also good. Though what were Scotland wearing?! It looked like thousand-wash grey to me...
    NST November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: 4509; 2
    018 sell 55.10; WLOSW 3/10

    Mortgage 18,634 (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 Nov 18, 8:52 PM
    • 7,938 Posts
    • 60,180 Thanks
    apple muncher
    Dd has finally gone down with a snotty cold. She's been under the weather and a tad fragile for a while, so I'm hoping that this is why.


    The physio really got into my shoulder joint and it is a smidgen sore now. I guess that means he earned his money!


    Spent an eye-watering amount (for us) in sainz, and used a 3x points voucher. 2x the small g&b choc packs = 12. One for mum, one for another. A stoooopid amount on vegan cheeses. One she likes, another by the same company, and a 3rd random.... Then the usual - 2x bread, 2x nuggets, 1x pizza bases, 3x nakd bars, gf/df ice cream, ice cream lollies and cornettos. And pouf! over 50 gorn up in smoke. Never to be seen again...
    NST November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: 4509; 2
    018 sell 55.10; WLOSW 3/10

    Mortgage 18,634 (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 20th Nov 18, 5:32 PM
    • 7,938 Posts
    • 60,180 Thanks
    apple muncher
    Kept dd off school today but she had to go out in the hail/rain/wind, as she had an interview. The ca1po1 did its stuff and she performed well. But hasn't managed much since! She's talking about going to sch tomorrow, and I can always collect her at lunch time.

    It's meant that I've spent nowt - but not got much done either...

    6 more bunnies are clothed. Just 7 HK heads to sew up and put faces on
    NST November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: 4509; 2
    018 sell 55.10; WLOSW 3/10

    Mortgage 18,634 (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 20th Nov 18, 6:28 PM
    • 2,221 Posts
    • 24,376 Thanks
    earthgirl
    Hope the interview went well, and dd is on the mend soon.
    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
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