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    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
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    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 180
    • muddywhitechicken
    • By muddywhitechicken 13th Jan 18, 3:41 PM
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    muddywhitechicken
    Hope you all have a fabulously wonderful day
    xx
    Originally posted by greent
    Ditto
    Happy birthday Miss Apple
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£30,000
    Current total overpayments: ~£128,250
    • smallholdingsister
    • By smallholdingsister 13th Jan 18, 4:05 PM
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    smallholdingsister
    Hope the party is a blast (and Watty makes it).
    • apple muncher
    • By apple muncher 13th Jan 18, 6:14 PM
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    apple muncher
    Thank you all! Dd had a lovely time and we were all cleared up quickly afterwards. The girls all seem to have had a great time together.and were all collected promptly - very important! The peg doll making and colouring in were both very popular and musical bumps and keepie uppie with balloons got rid of a little energy.

    Now to relax with a recorded Father Brown and some proper food.
    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 13th Jan 18, 9:30 PM
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    apple muncher
    Step ds is geting wed in Oz in August.

    We have booked our tickets to go out there.

    Step dd out in Canada (she who has the gson) is now not going to the wedding - work and costs and dates all being an issue. The dates thing could have been mentioned earlier when step ds suggested some dates to us all, as those of us restricted by sch hols could have made it for the end of July... However, one cannot argue with issues regarding costs.

    So we felt rather deflated today when we found this out. We were looking forward to seeing the gson in the flesh, and having all of dh's family together for a few days at least. Nevertheless, we'll have time with step ds, step dd2 (not seen her for several years - she also lives in Oz, so v keen to catch up) and we're not going to change our dates and will have a jolly good time regardless.

    And will need to start a 'saving for canada' fund!
    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
    • A Frayed Knot
    • By A Frayed Knot 13th Jan 18, 10:22 PM
    • 2,397 Posts
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    A Frayed Knot
    Awwww, what a shame, need to get step dd in Canada onto MSE. Shame about the date and a shame for her DB who was trying to get everyone together for his happy occasion.

    It is difficult to get everyone together all at one time, my dad had 3 sisters and 2 brothers, and think they managed 2 photos of them all together once they were up and married, like your family, 1 was in aussie and 1 in Vancouver, but they managed it.

    Hope you have a lovely time, pity you couldn't go via or come back Canada way.
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    Target 18 months 6/24
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69, 2016/£3186.80, 2017 £4068.97

    • apple muncher
    • By apple muncher 14th Jan 18, 2:39 PM
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    apple muncher
    Going via canada would be awesome, but is faaaaar beyond our ability to pay. And prob beyond our ability to keep travelling!

    I was skimming through an 'east coast Oz' book and getting some good ideas. 3 places are definite, with fixed dates: our arrival, departure and the wedding. Now we just need to fill in the gaps...

    I'd love to learn to paddleboard (have long since given up on the idea of surfing as my eyesight is pretty poor withour specs (can't get on with lenses) and I have a dodgy shoulder, dodgy knee...!)) as it looks super fun and awesome exercise.

    Given that we are east-coasting it, we'll be on the coast so can do plenty of swimming too.

    Heading further and further north we may well get up to rainforest and croc territory...

    And I think that airbnb is the best way to get accommodation. Or hire a campervan...

    So many variables! So many possibilities!

    Might need to set ourselves a budget...
    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
    • smallholdingsister
    • By smallholdingsister 14th Jan 18, 3:35 PM
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    smallholdingsister
    Have you done airbnb yet? Can I refer you? I think we might both get a few quid from that.
    • apple muncher
    • By apple muncher 14th Jan 18, 5:51 PM
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    apple muncher
    We have just booked our accommodation for the wedding as it was 50% cheaper than anything else so we wanted to get it now! (and since step dd1 won't be there, we don't have to try and coincide with anyone except the bride and groom ) We have previously used airbnb in America, so dh had his log in, but he has invited me so that the next booking we do - and we will surely be using it for more of our stay - means I get a discount.

    Not sure if I can be invited twice? Might be worth a try - thank you
    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 16th Jan 18, 8:28 PM
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    apple muncher
    Sooo, the wedding ain't happening. None of step ds's friends can make it. So they have taken the tough decision to cancel it. So hard for them. They will still get married, as that is definitely their intention, and they put it on hold so that ds could get his degree. They may well do a super small wedding and then travel to visit people and have lots of parties with them to celebrate. Bizarrely, months ago I joked about them getting wed in a dingy registry office on a gloomy wet afternoon, then travelling around the world to party.

    And step dd1 is now planning to come to Blighty in June with gson.

    Step dd2 - who lives out in Oz - is as yet unaware of all this. I expect her to feel rather gutted as she must have been looking forward to seeing all her family. So we have told ds to tell her that we'll give her £500 to come over here in June. I think he'll add to it too.

    Now we have to cancel our tickets. We reckon we'll lose about £1K. Ouch. But so be it.

    And then we'll need a plan of action for the summer to soften the blow for dd...
    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 16th Jan 18, 8:36 PM
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    apple muncher
    In other news, v1rg1n have said that they will refund me the whole cost of our travel after cmas. Yay! And I need to claim back my dec expenses. So that may amount to £300+.

    Dh has done the groundwork for his tax form for 16/17 which he'll write up soon. Then he can claim the marriage tax thingy.
    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 17th Jan 18, 6:52 PM
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    apple muncher
    At one point when we went to cancel the tickets, it seemed that they might be non-refundable and that we would get NOTHING back at all. So grateful that that was not the case.

    With all the fees + possibly some taxes + the travel insurance we'd bought (were good mse-ers buying it as soon as we bought the flights as recommended by you know who...) + the airbnb booking (will get some back but cancellation fees will be incurred) = we are down about £1400. Sigh.

    The travel agent did suggest that we book a different holiday to another destination served by the carrier, as it 'might' incur lower charges. Yep, we're really going to want to spend several thousand. Not. But the complication of sorting our where and when. And the fact that if it cost less than the Oz flights we would not see a penny of the difference. Easy decision. We want the refund!

    And we'll try the insurance to see if we can get any pennies back there. But we're not holding our breath.

    However, I found 9p roadkill today. A bumper haul .
    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
    • muddywhitechicken
    • By muddywhitechicken 17th Jan 18, 10:24 PM
    • 3,915 Posts
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    muddywhitechicken
    How annoying that you need to cancel and lose money so soon after you had booked As you say, at least you are getting some money back but I'd be fuming

    MWCx
    Mortgage at highest (April 2008): ~£195,000
    Outstanding balance: <£30,000
    Current total overpayments: ~£128,250
    • apple muncher
    • By apple muncher 18th Jan 18, 5:01 PM
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    • 55,661 Thanks
    apple muncher
    How annoying that you need to cancel and lose money so soon after you had booked As you say, at least you are getting some money back but I'd be fuming

    MWCx
    Originally posted by muddywhitechicken
    It was rather a blow!! Dh was certainly very cross. It was definitely rather inconvenient...


    Today I found 10p roadkill.

    I walk 2 of the miles to work and about 3 on the way back. Go me!

    Tomorrow I have a session in dd's school about maths and am then heading to bham, just for an overnighter. I hope not to get snowed in again....

    Hmmm, better start thinking what to take with me!
    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
    • Watty1
    • By Watty1 18th Jan 18, 6:09 PM
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    Watty1
    Ouch to the loss ... so sorry .. do rather like their plans though. Small wedding and lots of parties in different places. That could make for many amazing memories.
    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 18th Jan 18, 8:11 PM
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    apple muncher
    Dh is due a nice tax rebate and has done the paperwork fo the marriage tax thingy. So our coffers won't be totally emptied...

    Got myself a snuggly hoodie for £1. Bargainaceous. I was looking for a work jumper, though...oops.
    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 18th Jan 18, 9:22 PM
    • 2,043 Posts
    • 22,837 Thanks
    earthgirl
    Sorry to hear about the cancelled wedding. We had a similar thing happen a couple of years ago but we were only going to Cornwall. We decided to go anyway as most of ours was none refundable.it was a bit wierd thinking we were there for a cancelled wedding. Not in the same league but I!!!8217;m sorry you couldn!!!8217;t get it all back. Hope you plan something else super instead.
    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
    • greent
    • By greent 19th Jan 18, 6:30 PM
    • 7,082 Posts
    • 72,164 Thanks
    greent
    Oh what a pain and annoyance! Grrr! xx Glad to hear that s-dd and gs will be making their way over in June, though

    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
    • smallholdingsister
    • By smallholdingsister 20th Jan 18, 5:42 PM
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    smallholdingsister
    That is so frustrating Apple.
    • apple muncher
    • By apple muncher 20th Jan 18, 8:02 PM
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    • 55,661 Thanks
    apple muncher
    Back from a flying visit to brum, and was not detained by the weather - yay!

    Saw mum twice - it is getting easier - and cheered her up. She is ineed hearing voices and auditory hallucinations seem to be a phase of the illness. She told me that she would like to go in to a care home and be looked after for a bit, have no responsibilities but still have her freedom...

    8 owls have eyes and beaks. Their wings are ready for stufffing and attaching, then I can sew up an stuff the bodies before sewing up their bottoms. Good progress.

    4 minion bodies have been knitted - I was slightly thwarted by not taking any white wool with me, but the owls kept me busy.

    Dd and I are going in to town tomorrow to seek out an evie doll for her to buy with bday money. We know that amzn is the only place that has them but I reckon she'll enjoy a trek around the shops (she'll certainly enjoy it more than I will...).

    Nsds and exercise are going well. I feel that food spens are low but need to input the receipts to prove my feeling right or wrong.
    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 21st Jan 18, 5:16 PM
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    • 55,661 Thanks
    apple muncher
    I survived a trip to town with dd. Amazingly we were the first to arrive at the D1sney store so dd got to turn the key - and was given a toy key too. No spends there, nor toyzrus. But waterst0nes provided 2 books, so she spent her bday book token and used a little of her own money. She then succumbed to the bui1dabear emporium, tho she chose a reduced one, no sound, but a bubblegum smell instead, and paid for it from bday money. Overall, each purchase (or near purchase, of which there were many) was weighed up against the potential evie doll. Said doll is now discarded as an idea. I consider this a successful visit.

    Especially as I spent nothing at all!

    And I did another bunny slope workout this afternoon.

    Grotty weather here - got me chilled to the bone again. Think it must be an arthritic thing as it's happened a couple of times recently when the weather had been very rainy. Or it could be that I'm a wimp...

    Broke the news to dd about not going to Oz. She was not impressed!
    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
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