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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 7,392Posts
    • 55,662Thanks
    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 June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20; WLOSW /10

    Mortgage £21,033 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 179
    • greent
    • By greent 4th Jan 18, 2:22 PM
    • 7,082 Posts
    • 72,167 Thanks
    greent
    Ooops to slipping over in the mud

    The owl crafting sounds great for DD's party

    I am also going for removing 2018 items in 2018 (works out at between 5-6 items/ day). Thanks to DD having a mini sort out of stuff in her room we are at over 70 already It's going to go downhill for the rest of the month, I expect!
    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) £1068.37/£4000
    Net sales 2018 £522.39/£1000 PAYDOX18 (#15) £18564.38/£18918.90
    • Watty1
    • By Watty1 4th Jan 18, 3:32 PM
    • 2,992 Posts
    • 21,300 Thanks
    Watty1
    Oh I love remove 2018 items in 2018. Although as both our recycling bins are full I suspect I've already removed more than 2018 bits of paper!
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • apple muncher
    • By apple muncher 4th Jan 18, 5:57 PM
    • 7,392 Posts
    • 55,662 Thanks
    apple muncher
    I'm not counting paper! (Unless it is December and I am still waaaaay off target...)
    NST June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20; WLOSW /10

    Mortgage £21,033 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • greent
    • By greent 5th Jan 18, 7:43 AM
    • 7,082 Posts
    • 72,167 Thanks
    greent
    I only count paper if it's a significant amount (eg a year's worth of bank statements - and then I tend to count it as 1 item )
    x
    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) £1068.37/£4000
    Net sales 2018 £522.39/£1000 PAYDOX18 (#15) £18564.38/£18918.90
    • apple muncher
    • By apple muncher 6th Jan 18, 7:51 AM
    • 7,392 Posts
    • 55,662 Thanks
    apple muncher
    Yay, tis Saturday.

    Big sis, niece and the bf arrived last night for a sleepover, so dd was absolutely thrilled! They all leave for the next leg of their journey soon so only a very short stay with us.

    Had a good chat with sis about a few issues cropping up with mum, and some things that we need to check out/follow up.

    Only 2NSDs so far this month - oops! Not much money news as I seem to keep spending little bits. Some are unnecessary, some are necessary and some are for dd's bday on Sat. We are trying very hard to spend several thousands on getting to Oz, but to no avail at the mo...
    NST June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20; WLOSW /10

    Mortgage £21,033 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • greent
    • By greent 6th Jan 18, 9:43 AM
    • 7,082 Posts
    • 72,167 Thanks
    greent
    Are you having problems getting flights, apple? x
    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) £1068.37/£4000
    Net sales 2018 £522.39/£1000 PAYDOX18 (#15) £18564.38/£18918.90
    • smallholdingsister
    • By smallholdingsister 6th Jan 18, 1:27 PM
    • 3,591 Posts
    • 30,150 Thanks
    smallholdingsister
    How is your planning for making your fortune going?
    • apple muncher
    • By apple muncher 6th Jan 18, 2:41 PM
    • 7,392 Posts
    • 55,662 Thanks
    apple muncher
    Are you having problems getting flights, apple? x
    Originally posted by greent
    Yes, at a decent price with a decent airline!

    Didn't fancy a stopover in china, personally...

    Don't fancy paying £1200 each.

    maybe I'm just too picky...
    NST June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20; WLOSW /10

    Mortgage £21,033 (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 6th Jan 18, 2:45 PM
    • 7,392 Posts
    • 55,662 Thanks
    apple muncher
    How is your planning for making your fortune going?
    Originally posted by smallholdingsister


    I guess it only bothers me intermittently. Or overwhelms me into inactivity. Although FIRE is my big dream - along with 'be slim and strong'.

    I guess I wish I could make my fortune from selling the bunnies I make...
    NST June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20; WLOSW /10

    Mortgage £21,033 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • michelle09
    • By michelle09 6th Jan 18, 4:07 PM
    • 787 Posts
    • 4,369 Thanks
    michelle09
    Nothing in the sales? Never tried for flights to Oz so I can't give any advice on that one. Make friends with a pilot?
    • apple muncher
    • By apple muncher 7th Jan 18, 9:09 PM
    • 7,392 Posts
    • 55,662 Thanks
    apple muncher
    Plan1
    week 1/12

    A week of logging almost everything I have eaten. No weight lost, but more awareness of what I consume.

    5 bunny slope workouts done, and done thoroughly, with good form. I do feel stronger. Still unable to run, pesky knee, but I can get a wiggle on when walking and still do the bunny slope workouts, which is good.

    3 days at work survived and the work I did with a colleague/ friend to update website info has been the first to be approved and has moved up a level to other people doing the rest. Very pleased .

    Have had a lovely visit from big sis, niece and bf. Have found out that auditory hallucinations are common with dementia, so we are entering that phase with mum. Good to know what it is. And that it is a phase.

    Have had some lovely times with dd and dh. Plans are well underway for dd's party on Sat and her presents are bought.
    NST June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20; WLOSW /10

    Mortgage £21,033 (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 9th Jan 18, 4:01 PM
    • 7,392 Posts
    • 55,662 Thanks
    apple muncher
    Getting ready for dd's party on Sat - it all seems to be going to plan...

    Am up to Bunny Slope workout #6 so far this month. I am aiming to get through all 20 of them, and do them well. I did most of them in December and this time through I am going at it a bit harder.

    A handful of us at work have weighed in. The numbers are being kept under lock and key and we'll all weigh in again on the last day of term. The 'winner' is the one who has lost the biggest %. No money is involved, just kudos.

    I aim to continue to log what I consume on the fitb1t site, as it works for me and I know how to do it (!), to continue with the walking I do to and from work, to continue with the Bunny Slope (or BS for short!) workouts. And that is January's plan.

    I still cannot run - pesky knee. Weight loss must surely improve it...

    I do not want to be the 'fat' one at the wedding in the summer...


    DH is on the verge of buying our flights out to Oz, and insurance. He agrees that it is okay for me to still pay down the mortgage, especially given that the offset has just been reduced by over £3K... So we're going to have to pay more interest now. Humph. I have some expenses to claim and he needs to do his tax return.

    Sitting here in the gloomy half-light, not needing to go and get dd for another 20 mins, I am enjoying the fairy lights we still have up. They add such a warmth and cosiness to the room.
    NST June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20; WLOSW /10

    Mortgage £21,033 (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 9th Jan 18, 8:49 PM
    • 7,392 Posts
    • 55,662 Thanks
    apple muncher
    Today's step total is 19100.
    Floors = 84
    Miles= 7.85
    Cals so far = 2345

    Feeling smug.
    NST June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20; WLOSW /10

    Mortgage £21,033 (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 11th Jan 18, 8:16 PM
    • 7,392 Posts
    • 55,662 Thanks
    apple muncher
    Another week of work is finished.

    Am very pleased to have found some cushions in a ch shop this morning (3 for £1.50) as we had no stuffing to stuff the owls on sat. Yikes. I also picked up some designafriend doll clothes for 50p each - result.

    I feel ready for dd's party on sat, so long as I remember to make her cake tomorrow...

    Plenty of steps again today - over 17k.

    Tomorrow requires a workout, baking, wrapping, cards, tidying an possibly - gulp - hoovering...
    NST June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20; WLOSW /10

    Mortgage £21,033 (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 12th Jan 18, 10:52 AM
    • 7,392 Posts
    • 55,662 Thanks
    apple muncher
    So far this morning...
    -school run
    -1 load of laundry
    -1 batch of choc crispie cakes
    -bunny slope #9
    -1birthday cake
    -1 batch Betty cr0cker mix cake/cupcakes
    -washing up
    -1 batch hm coleslaw

    Still to do...
    -sweep all of downstairs
    -tidy
    -hoover the stairs
    -wrap presents
    -write cards
    -prep the crafting materials (or at least have a think about it...)
    NST June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20; WLOSW /10

    Mortgage £21,033 (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 12th Jan 18, 4:06 PM
    • 7,392 Posts
    • 55,662 Thanks
    apple muncher

    Still to do...
    -sweep all of downstairs - done - a humungous job!
    -tidy done , sort of. Still more to do...
    -hoover the stairs done - delegated to DH
    -wrap presents done by DH
    -write cards done by me
    -prep the crafting materials (or at least have a think about it...) done in thought, sort of...
    Originally posted by apple muncher
    Dd likes her cake so far. I forgot to make the icing pink, so have had to do another thin pink layer on top. oops. And she wants a teddy bear design, which she is drawing for me, but has currently put on hold as she paints over the face of a toy pumpkin. As you do.
    NST June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20; WLOSW /10

    Mortgage £21,033 (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 13th Jan 18, 8:07 AM
    • 2,043 Posts
    • 22,838 Thanks
    earthgirl
    Good luck for the party, hope she loves it!

    My diary was deleted (think due to the title?) I was gutted, but missed it so I have a new one. http://forums.moneysavingexpert.com/showthread.php?t=5774487
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 13th Jan 18, 9:00 AM
    • 7,392 Posts
    • 55,662 Thanks
    apple muncher
    Thank you! She is now a double-digit-daughter and she can't quite believe how old she is .
    NST June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20; WLOSW /10

    Mortgage £21,033 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • michelle09
    • By michelle09 13th Jan 18, 10:46 AM
    • 787 Posts
    • 4,369 Thanks
    michelle09
    The years just fly by! Hope the party goes well.
    • greent
    • By greent 13th Jan 18, 3:38 PM
    • 7,082 Posts
    • 72,167 Thanks
    greent
    Hope you all have a fabulously wonderful day
    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) £1068.37/£4000
    Net sales 2018 £522.39/£1000 PAYDOX18 (#15) £18564.38/£18918.90
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