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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
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    • 53,870Thanks
    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 April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 183
    • apple muncher
    • By apple muncher 14th Feb 18, 6:45 PM
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    apple muncher
    We left Bham in a snowstorm!

    Thankful for a smooth trip home with good connections each time. We collected dd's camera (for a £5 fee, but worth it!)

    Whils we've been away, w1nd0ws 10 have been updating their stuff in the background on people's computers. And causing systems to crash. or not work. Dh is now out trying to sort out one of them and tomorrow he's off elsewhere to another one...
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (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 Feb 18, 1:41 PM
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    apple muncher
    Dd's eyes have thankfully stayed the same, so no new specs needed for her.

    But she did need new 'go faster' trainers for general wear. So m+s provided them for a decent price. Plus some more school socks. Exciting stuff.

    We have also had a great ch shop haul! A LPS boxed set for just £2.50 which has never been played with. A warm coat for dd for 5. I got myself 4 books for £2 - 3 on running/anatomy (not that I'm running, but I still dream of returning to it...) and the other on how to deal with 'the enemy'. Probably my best haul was 2 lots of wool: one lot of 6x 100g balls of 50/50 polyester/wool to knit up on 15 mm(!!!) needles. And the other has no labels but looks to be for 9-10 mm needles and was £5. We bought dgs a hand knitted cardi for Cmas and it irked me to have to pay for one! His bday is in May so I'm planning on knitting him a larger one myself...

    So... strictly speaking, TWO new items bought today, both for dd but both were sorely needed.

    Am all shopped out now!
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (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 15th Feb 18, 9:59 PM
    • 2,975 Posts
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    Watty1
    Always in awe of your charity shop hauls
    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 16th Feb 18, 9:01 AM
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    • 53,870 Thanks
    apple muncher
    Woke up to beautiful sunshine. At 8am! Only because dh had a dream that someone was at the front door and he had to go and check it out. Goodness knows what time it could have been otherwise...

    Off to the Science Museum at some point today. The free science museum.
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (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 16th Feb 18, 11:53 AM
    • 2,975 Posts
    • 21,191 Thanks
    Watty1
    Have a wonderful day there
    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 16th Feb 18, 8:47 PM
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    apple muncher
    We didn't leave the house until after 10. Seems like everyone else decided to go out then too. The train up to town was p a c k e d. But dd found us seats . The tube was even more packed - but we only went 2 stops. The queue outside the sci mus was humungous - over 30 mins, so we looked at the natural sci one - also looooonnng. So we popped into the V&A. A good move. A kids event kept dd busy building a shelter for her doll and we had out photo take (for FREE ) in a winnie-the-pooh style silhouette. We eschewed the w-t-p exhibition as it cost £8. Each.

    Lunch was munched by the pond/water feature, sitting in the sun. Then back out and the sci mus entry was clear so in we went. I find it a tad disappointing every time we go (and some of the low-level/blue light lighting in some rooms makes it really difficult for my eyes to see), but we did see all of it and quite enjoyed ourselves.

    The highlight of dd's day was probably seeing the 'bubble man' making ginormous bubbles and some with smoke in too. He earned his pennies.

    Money saved by using our F&F railcard for the travelcards. But dh had to buy himself a coffee (and cake!) as he had no bread for sarnies and although I'd usually suggest he uses dd's bread, her supplies are so low there was none spare for him.#

    Looking forward to a day in tomorrow. Must go to sainz for supplies for dd and will combine it with the library. Then we'll watch m1n1ons 3. Ooh, unless the rugby is on - our £1 for 12 issues has finally run out so I must check the EPG before starting the film .
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (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 17th Feb 18, 11:32 AM
    • 3,591 Posts
    • 30,110 Thanks
    smallholdingsister
    Thanks for reminding me I was supposed to buy D'S new socks...
    • apple muncher
    • By apple muncher 17th Feb 18, 6:00 PM
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    • 53,870 Thanks
    apple muncher
    I finally got myself out in the garden this afternoon and tidied it up slightly. I opted to limit my time out there, as I was moving some bricks around and didn't want to wreck my hands. It was good to be out in the sunshine.

    I had to do 2 bunny slope workouts today, having not done one yesterday. Ooph. But I managed it. I am still on track to get all 20 done this month, but have to maintain doing 5 per week, which is a challenge.

    Made some gf df 'reeses' choc thingies today. And cloud bread - only did 1/3 of the recipe and ate it all! And gf df choc chip cookies - original recipe from dear Lilty. And I washed up too, so am feeling very smug.

    Dd has finally decided to build her Mayan temple out of cardboard boxes stuck together and then painted. Dh suggested sugar cubes - rejected. I suggested making flat jelly and cutting it up - considered but also rejected.

    Did a little more y11 prep. I reckon that I don't need to do as much as I think I do - or certainly not at this point, which is good.

    Dd bought me a teeny tiny 150 piece jigsaw for Val day. It is a b***er to do as it is so small and the pieces slide around a lot. i shall be glad to finish it!

    Off to tilly tidy some pennies - haven't done it in a while.
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (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 Feb 18, 7:53 PM
    • 7,158 Posts
    • 53,870 Thanks
    apple muncher
    Kids klub went well and I wasn't exhausted by it, which is a win.

    Also got some useful and encouraging info about a camping bible weekend in May - re food , which is a BIG issue for dd. So I am more comfortable about the whole thing now.

    Bunny slope 12 was done whilst dd was in the bath - protesting most vociferously that she most certainly did not need one. And nor did she need a hairwash. I won .

    Up and out by 6.20 tomorrow as there may be roadworks on the way. Mondays are always tight for time as we have a meeting at 8.20 and I have breakfast at work and go straight into mentoring and then teaching after the meeting. I need a little time to get my head in gear!
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (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 Feb 18, 7:45 PM
    • 7,158 Posts
    • 53,870 Thanks
    apple muncher
    Pesky birds. Tweeting away - loudly - around 5am. I was half awake anyway, but they fully woke me up. So I was up at 5.40. Ugh. Easy journey to work and although it was a whirlwind of a day, I 'achieved' things, as well as doing all my teaching. Go me . Dh made tea and I'm now fit only for a little reading and then my bed.

    Dd had a great day at school - it seems that the days of her dreading Mondays are behind us, which is good.
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (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 Feb 18, 8:16 PM
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    apple muncher
    Survived the pesky colleague. Long history - 10 years - and no improvement, so I just avoid as much as possible whilst trying to remember that said colleague is a human being with their own issues and needs and also needs some TLC at times.

    Walked the first 2 miles to work today, which felt good. It was a day of catching up with people, so all good. But I'm not yet caught up on my admin - though I do have a list....

    Dd was picked up by a lovely friend after school and then dropped home once I was back (dh was out from 6.10am - 7.10pm!)

    Been pondering NI contributions. I don't know how much/many years I need to pay to get a full state pension (assuming they still exist when I get to that ripe old age...)Need to research... Esp as I've done more part-time work than full-time.
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (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 21st Feb 18, 9:07 PM
    • 6,898 Posts
    • 70,645 Thanks
    greent
    Survived the pesky colleague. Long history - 10 years - and no improvement, so I just avoid as much as possible whilst trying to remember that said colleague is a human being with their own issues and needs and also needs some TLC at times.

    Walked the first 2 miles to work today, which felt good. It was a day of catching up with people, so all good. But I'm not yet caught up on my admin - though I do have a list....

    Dd was picked up by a lovely friend after school and then dropped home once I was back (dh was out from 6.10am - 7.10pm!)

    Been pondering NI contributions. I don't know how much/many years I need to pay to get a full state pension (assuming they still exist when I get to that ripe old age...)Need to research... Esp as I've done more part-time work than full-time.
    Originally posted by apple muncher

    Ask the pensions department (DWP? - whatever they're called) for a pension forecast - you can do it online, from memory. As a parent of an U16 you get any shortfall in your contribs 'made up', I believe, for the years you have an U16 - so you may be surprised at the forecast (I am forecast full state pension, despite working part time/ not working/ being S-emp on virtually no pay/ working part time for the last 17 years )
    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) £577.06/£4000
    Net sales 2018 £362.51/£1000 PAYDOX18 (#15) £12808.40/£18694.38
    • greent
    • By greent 21st Feb 18, 9:08 PM
    • 6,898 Posts
    • 70,645 Thanks
    greent
    https://www.gov.uk/check-state-pension

    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) £577.06/£4000
    Net sales 2018 £362.51/£1000 PAYDOX18 (#15) £12808.40/£18694.38
    • earthgirl
    • By earthgirl 22nd Feb 18, 5:15 PM
    • 1,949 Posts
    • 21,932 Thanks
    earthgirl
    I an putting my head in the sand about pensions.. gave up my final salary to move here and have a rubbish pension, hope yours is good
    15/5/12 Paid off Mortgage 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset in 2014) Jan 16 - £67, 852 (£26,550 offset in 2015) Dec 16 - £33,529 ( £34,323offset in 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687 Mar 18 -£8524
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 24th Feb 18, 6:07 PM
    • 7,158 Posts
    • 53,870 Thanks
    apple muncher
    Thank you greent.

    EG - I can get my teacher pension at 60, but the state one is 67 at the mo...

    Am thoroughly enjoying a day of rugby . Yesterday evening was to-ing and fro-ing with dd to a brownie event so I opted to record it and watch it this morning. There have been very few bouts of scrapping so far this year - much much nicer to watch.

    Took a bagful to the Sally Army today. Things are s l o w l y leaving the house...

    Fish pie for tea - bagged some reduced fish in the coop the other day, so had a go at making one. Just as well it was tasty as I made enough for 6 portions, and there's another pack of fish in the freezer!

    Bunny slope workout number 6 all done. A 15 min AMRAP so the agony was quickly over. Just 2 more bunny slopes left and I'll have done all 20 of them this month. I am now looking at the ZCUT series which, although still short, are significantly harder. Gulp. I won't be able to do 20 of them in a month - they'll each leave me unable to walk properly for a day or two!
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (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 Feb 18, 12:19 PM
    • 7,158 Posts
    • 53,870 Thanks
    apple muncher
    Dd is in her jamas and dressing gown on the sofa reading! Needless to say, we all opted out of going to church today.

    I haven't done much with the extra 4-5 hours except 1 wash; paid some subs/fees; planned March's NST challenge; done a couple of paperwork bits for my classes; made vegan brownies; baked tatoes for lunch; made carrot/beet salad for work; played on my tablet...

    But our expenses are in, so I'll bung them in the 'never to be touched' account that offsets the mortgage and was depleted by the non-happening Oz trip.
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (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 Feb 18, 12:29 PM
    • 7,158 Posts
    • 53,870 Thanks
    apple muncher
    2018 Plan 1: from 31/12 - 25/3 (12 weeks)

    Health:
    -eat veg - rather random but tracking my carb intake is eye-opening
    -eat fish x2 per week - yep
    -lose 15 lbs - nope seem to be going the other way...possibly due to too many carbs. Or simple gluttony
    -gain muscle - I reckon I am stronger
    -Feb: do all 20 bunny slope workouts - nearly there
    -Feb: 310,000 steps (only 10k per day) - yep, even allowing for fewer days and half term immobility

    Wealth:
    -sort out my giving to my chosen priorities - nope
    -start to sell stuff from parental properties - nope
    -pay off 350pcm from the mortgage, so approx 1050 in this plan - getting there
    - food spends of 300 pcm - might have managed that this month!
    -get paperwork sorted to sell mum's house - ongoing

    A life well lived:
    -headspace and counselling to continue - yep
    -enjoy time with dd + dh - yep
    -use up wool and fabric stashes - hardly at all in feb
    -remove 2018items this year, so about 700 this plan - still only on about the amount that takes me to early jan!!!!!!!!!!!!!
    -buy a joyous address book and fill it in (finding mum's has been so useful to us, as we are aware of names of her friends but no more than that. I don't want to leave others ithout that info for me) - still looking as have seen a few but htey are 'oh, they'll do' ones and not lovely joyous ones
    -balance work, visits to mum, family time, fitness goals - seems to be working

    That'll do for now!
    Originally posted by apple muncher
    Feb. Saw mum just the once but it was a lovely time. Good to coincide with big sis and be away with dd and dh

    The big elephant in the room is TWO elephants. Peasky twins. One is selling mum's house. The other is my (total, complete and utter) lack of weightloss. Logging my food intake (and rest assured, I am well aware that I miss some things) is interesting but has not yet goaded me into some sort of positive action!

    Ah well, march will soon be here...
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (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 27th Feb 18, 6:12 PM
    • 7,158 Posts
    • 53,870 Thanks
    apple muncher
    We have snow. I am chuffed . So is dd. As soon as she got home, a friend called for her and they played out for over an hour. Result.

    Counselling has been done, a good amount of walking done, an aldee shop (everyone was in there stocking up, sigh. I, on the other hand, was there for part of our normal shop, smug face on), 2 washes done, the downstairs swept, cakes and biscuits made, curried parsnip soup made, subsequent washing up all done, 1 letter opened and replied to straight away.

    Let's see what the weather does or doesn't do tomorrow. ..
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (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 28th Feb 18, 6:56 PM
    • 3,591 Posts
    • 30,110 Thanks
    smallholdingsister
    Is it lovely snow or ratty slushy Snow?
    • apple muncher
    • By apple muncher 28th Feb 18, 7:19 PM
    • 7,158 Posts
    • 53,870 Thanks
    apple muncher
    It is quite lovely snow!

    At my school, the kids weren't allowed outside at all. At dd's school, they got to go out after their lunch and play on the field. I love her school!

    20 minutes ago, the hosp where we were going to tomorrow called us to ask if we had received the cancellation letter. D'uh no! The reason? Capacity. Yet our appointment was made 51 weeks ago, so we obviously need to book sooner! The new appointment is in 8 weeks... Not very impressed. And dd, bless her, feels unloved and unimportant as other people have been moved in front of us .

    So all the arrangements we've made for dd at her sch and me at mine now have to be cancelled too. Sigh.


    I am now willing the snow to come and hit us hard tomorrow!!!!! I am quite prepared to leave work early and walk home, should it be necessary...
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (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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