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    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 7,280Posts
    • 54,790Thanks
    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 May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 185
    • apple muncher
    • By apple muncher 11th Mar 18, 7:29 PM
    • 7,280 Posts
    • 54,790 Thanks
    apple muncher
    I forgot to mention the prawn cocktail crisps - dh bought a pack of 6 for me for mother's day!!!
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (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 12th Mar 18, 5:55 PM
    • 777 Posts
    • 4,277 Thanks
    michelle09
    Lovely MSE daughter! Such a waste if DD hadn't picked them up.
    • apple muncher
    • By apple muncher 13th Mar 18, 7:25 AM
    • 7,280 Posts
    • 54,790 Thanks
    apple muncher
    Sock spam on a Tuesday, huh? Lucky me.

    Dd has a sch trip that is outside all day so I'm very glad the forecast is dry. I'm off to see my cousellor and then for a much-needed haircut.

    Dd came in to bed with us around 11.30 so no-one had a good night!
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (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 Mar 18, 8:20 PM
    • 7,280 Posts
    • 54,790 Thanks
    apple muncher
    It has been a good day.

    Counselling helped me see some things more clearly.

    The buses were in my favour - and I caught 11 of them today.

    Dd has a fantastic time out at the environment centre - they came back all muddy and happy.

    I like my haircut.

    Got myself some walking boots from aldee, and gf/df stuff from sainz and liddle. Liddle now have gf stuff in thEir usual stock, not just as a 'specials' deal. The biscuits are about 50p cheaper than sainz, and dd likes them, so well worth the effort to go there. Now I am all shopped out!

    ZCUT kettle bell workout #6 has been done. They are deceptively fine and enjoyable to do. Then they come back to bite you as you find out later just how much your muscles have worked!
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (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 Mar 18, 8:52 PM
    • 7,280 Posts
    • 54,790 Thanks
    apple muncher
    And a friend gave me 8 tubs of soup that she made and then realised she didn't like (it contained chili). Yum!
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (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 Mar 18, 7:41 PM
    • 7,280 Posts
    • 54,790 Thanks
    apple muncher
    Found 9bars in the £ shop for...£1 per pack. So I bought 3 packs! I've left them at work so I can put 1 in my bag for on the way home, which might help me scoff less when I get in... 1 bar that is, not 1 pack.

    We were charged just over £5 interest last month on the mortgage. Well miffed. Dh has now moved back the flight refund and I've been paying over what I can and we are now neutral again. Phew.

    Had a soup for lunch - friend made her soup much much runnier than I do and, as expected, it leaked in my lunch bag. Not sure how to stop that next time. Maybe put it in a metal coffee cup thingy... I eat it cold anyway, so reheating isn't an issue. But I'd need a longer spoon to reach the bottom of the mug!

    Off to bham fri-sat, so must at least think about that...
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (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 Mar 18, 7:47 AM
    • 7,280 Posts
    • 54,790 Thanks
    apple muncher
    Am in bham, ergo it has snowed. Not a lot, in fact it can only just be labelled a 'smattering', but snow it is. More is due later on, but I shall be headed home by then.

    I spent a couple of hours last night going through my dad's slides. We 'rescued' them from his house and have been meaning to go through them for aaages. Big sis was always more keen than me, but I figured I could at least go through and remove the ones of views and places,and keep the ones with people to look at inmore detail. I'm only looking at them against an open v light grey notes page on my phone, so it's quick.

    Very glad I did - have found a few of big sis and I that I've never seen. And a gazillion of our 'guernsey cousins'.

    Big sis now wants to go through the ones I've binned - 'it might be interesting to see which places dad went to'. Sigh. There are several thousand in the bin. She has not yet found the time to look at any of the slides. So the removal of them from the house has been delayed by months again. Sigh. That is why I cleared the majority of dad's house as I was able to flick through an obvious pile of binnable papers from decades ago and put them in the recyc bag. Big sis would have felt the need to go through every sheet - just in case...

    I'm off to do another hour's worth, so I may now bin them in a proper bin and get them out of the house! If I have time and yhe inclination another time I'm here, I guess I'll go through the ones I've already binned and try to find some places for big sis to look at... Now I think of it, dad did label some, so I may not have to look at the slide, just see if he wrote on the card.
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (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 Mar 18, 7:49 AM
    • 7,280 Posts
    • 54,790 Thanks
    apple muncher
    Jus had a thought - should I count the slides as part of my 'remove' total...?!?! It would make it look impressive
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (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 17th Mar 18, 8:04 AM
    • 1,992 Posts
    • 22,355 Thanks
    earthgirl
    Just catching up. Wow to 11 buses! GlAd you have sourced cheaper gf things. Sigh to big sis wanting to look through slides. Can you give them to her to get them out and then she can look st them when she wants to?

    Glad the counselling went well.
    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
    • CathT
    • By CathT 17th Mar 18, 9:08 AM
    • 5,544 Posts
    • 38,652 Thanks
    CathT
    Lots of MFW activity over here apple. We have had a few flakes of snow here but it's flying around the air rather than actually settling.
    May 2018 -
    part 1 - £77,906
    part 2 - £45,391
    Total - £123,297
    • apple muncher
    • By apple muncher 17th Mar 18, 7:34 PM
    • 7,280 Posts
    • 54,790 Thanks
    apple muncher
    Cath - There is more snow down here at home than in bham - most unusual! But it does lookreally pretty! I left mum at 11ish and had a great journey back home, getting here by 2.40ish.

    I did some more slides this morning - kept a few more than last night, but put the binned ones in the bin. And put the bin bag out. Big sis'll never know! And I've realised that theonly place-y ones she might want would be labelled on the card surround by dad, so if I get there first, I'll only have to look at writing, not at pictures again.

    earthgirl - I would like to get big sis to take them home, but she lives even further away than me, also has no car. And inreality, I know that they would just sit around her house making her feel guilty about not looking at them. So if I can help by whittling them down, so much the better.
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (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 Mar 18, 8:22 PM
    • 7,280 Posts
    • 54,790 Thanks
    apple muncher
    How could I have forgotten to mention that HMRC have sent me yet another cheque - £220 this time. Think that's the last one, though, but still nice to get. (Must pay it in some time soon...)
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (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 Mar 18, 4:12 PM
    • 7,280 Posts
    • 54,790 Thanks
    apple muncher
    We have not left the house today. I think we all needed it. I was awake and up by 6.30 but no-one else stirred for about 2 hours!

    Not a lot done really. A wash. A workout (zcut #10). A feather duster to attack the myriad of cobwebs. A gf lemon bakewell - but I put in too much lemon curd so it's rather overwhelmingly sweet. Finished 3 more glove cars and cut out 2 elephants.

    Stepdd has asked if they can stay with us when they spend the weekend this way in June. They were planning to stay in a hotel. So it'll be nice to see them properly and not just as 'visitors'.
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (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 18th Mar 18, 4:31 PM
    • 777 Posts
    • 4,277 Thanks
    michelle09
    It's always a celebration when you get money out of the HMRC, so well done.

    The lemon bakewell sounds good, do you make your own pastry or buy prepackaged?
    • apple muncher
    • By apple muncher 18th Mar 18, 6:17 PM
    • 7,280 Posts
    • 54,790 Thanks
    apple muncher
    I make my own as it's simpler that way, esp now with dd being gf and df. Any gf pastry in the shops is sooooo expensive. And then it sits in the freezer for months....

    Snow is falling again. Dd is hoping for 8"...
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (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 Mar 18, 6:21 PM
    • 7,280 Posts
    • 54,790 Thanks
    apple muncher
    Have finished off another few glove cars and an elephant, bringing the month's total to 23 so far.
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (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 Mar 18, 8:16 AM
    • 7,280 Posts
    • 54,790 Thanks
    apple muncher
    Workout done already. Thought I'd try getting up a bit earlier and doing it before my brain could object. Down side is that my body is slower to warm up, but I still got pretty sweaty. ZCUT kettlebell #10 in about 11 mins. Plus warm up and cool down. There are 12 in the series but it's not progressive so they are all pretty tough. I'll definitely be going through them all again, as there were some new and interesting exercises or exercise combinations that I enjoyed doing. And I can always 'upgrade' from my 8k KB to my 12k one. Gulp.

    So today: school run; counsellor; sainz shop (got roped in to cooking with the brownies again tonight); lunch at local harvester with dh (have a 50% discount voucher plus a £30 gift card to use); school pick up; scoff some tea; cooking with a gazillion brownies; bed.

    Is it wrong to sit here thinking, 'but what about time for myself'? I find that I really do need solitary time every day. Am sure I can shoehorn some in somewhere...! I want to get another elephant made and start to unravel a scarf I bought - it has lots of tassels and is made of super chunky wool, so should be worth the effort.
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (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 20th Mar 18, 12:58 PM
    • 7,010 Posts
    • 71,571 Thanks
    greent
    Nope - not wrong at all. I have to have solitary time to recharge me. Am terribly grumpy and resentful of doing things if not!
    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) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • apple muncher
    • By apple muncher 20th Mar 18, 9:13 PM
    • 7,280 Posts
    • 54,790 Thanks
    apple muncher
    Thanks greent. I got some solitaryness done. Phew.

    Got paid back for the ingredients I bought for brownies cooking - and was also able to bring home the unused ones. Result. However, am pooped, despite there only being 11 of them, and 4 of them had done the cookie cooking before!

    Somehow made it to 22,000 steps today. Partly due to there being huge gaps between buses so it was faster - and warmer - to walk than wait. And we walked to and from the harvester for lunch. We used the 50% off voucher, saving the £30 giftcard for when the step kids are over and we may all pile down there.

    Dd is also wiped out - so tired she gets hot/cold and disobedient. But then gets upset at being disobedient! I have pointed out to her that simply doing as asked would be simpler for us all... She needs to break up a week earlier than she is.
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (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 21st Mar 18, 11:29 AM
    • 1,992 Posts
    • 22,355 Thanks
    earthgirl
    I think my children are the same! Just needing a break now.

    I love time alone too, and feel strange if I don't get it!
    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
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