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  • FIRST POST
    • 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 August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 187
    • apple muncher
    • By apple muncher 2nd Apr 18, 9:31 PM
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    apple muncher
    Dd and I are in bham. We saw mum as soon as we arrived as it is on our way to the house. We stayed a while, as it was going okay.

    On the way here, we came past a homeless chap who I regularly see in that spot by the station. I'd brought along the eggs we got at church yesterday so we gave them to him and his two mates as well as some money. Dd said that she found the bearded one intimidating because he was smoking, but that it was ok. I am so proud of her.

    Tomorrow, dd wants to go round the charity shops in 3 different areas. So we shall visit mum first and then head off adventuring. We both felt the weight of our bags on the way here and are super aware that anything we buy must be really really really really worth it.

    I went through all the slides again tonight, as well as finishing off those I'd not managed to get to last time. Big sis rang. She still wants to see ALL the slides for herself. Sigh. I have done what I can. I might spend some time tomorrow going through the 'keep' ones of family and sort them into the right families.

    Or I might go through the boxes of things under the stairs - put there by big sis - and bring a little more order to them. Cos if it's left to her, it'll be aaaaages. And she always spends longer with mum than I do, so this may help to balance out.

    And take a bag of unused medicines to the chemist.

    And not feel bad about only visiting mum the once. Big sis would go twice, for several hours. I can't face that. Plus dd has been quite upset today over gma's illness and she'll probably sit in one of the quiet lounges tomorrow while I chat with mum.

    And wash today's clothes so that we have clean apparel to travel home in on Weds.
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (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 3rd Apr 18, 5:47 PM
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    apple muncher
    We walked to visit mum, but found that she had a visitor, so left. Dd decided she was up for continuing walking, to the main ch shop area that she wanted to go to, so we'd done a good 3 miles by 11am.

    The ch shops round here are significantly cheaper than where we live, and are more 'charity-shop-like' than 'posh'. And every single member of staff in them made us feel very welcome. We must have been in 15 different ones! And some stuff will probably have to stay here until my next visit. I spent about 12-13 and am all shopped out...

    I have not been through the slides (again), but did do a little rationalisation of the under stairs cupboard contents. Prob not enough for anyone to notice unless they were told about it, but I know it has been attempted... We came across a wordle thing I'd made for mum a few years back and dd wants us to take it to gma tomorrow before we leave.
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (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 4th Apr 18, 2:44 PM
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    apple muncher
    We just came straight home today - we were both worn out! Dd is now watching a bratz movie and playing; I have done ZCUT KB #6 and feel good for doing it
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (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 5th Apr 18, 12:00 PM
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    apple muncher
    So, my 'big' idea for earning extra money this year...? (drumroll please...) Probably the exam board work. Nowt spectacular there, but solid income. Yes, it'll be hard work, especially with the new role (training required online and in real person face-to-face meetings). However, it's a good thing.

    April is also the month to try to sell things. I have spent the last 90mins trying to do so... Gumt was/is being uncooperative so I closed the page (the ultimate power of the PC user!) And then I tried to copy over the photos from my phone to my laptop. Dh finally had to step in to help me. So now it is nearly lunchtime and time to pause from all my labours...

    30 mins of weeding done so far today - I think that that is about the limit of what my hands can manage - good to have a 'reasonable' time limit. Still to do - soak the coir compost thingy dh bought for me so that I can plant up some bulbs and dd can make her seed bombs.

    'Nuff wittering. Let's go see if the pics have copied over...
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (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 5th Apr 18, 4:37 PM
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    earthgirl
    Glad you had a good time and didn't get caught out by the weather (bad up here).

    I'm taking a break from weeding to read about your weeding!
    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 budget 2384/5k
    • apple muncher
    • By apple muncher 5th Apr 18, 6:35 PM
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    apple muncher
    We took a different approach to the photo copying over after lunch, which actually worked! Still not posted owt for sale as I've been naming the photos...

    Dd and I did a couple of her jigsaws, then headed to the back garden, to soak the coir and then to mow it. Dh cam out to saw the coir block for me and then I realised that the compost bin was chockablock, so he started digging out the bottom layer, which I put on the garden. Then he dug up some sycamore saplings and also forked up a load of alium-style green things. A successful time outside in the sun, but my hands are all worn out now.
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (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 5th Apr 18, 6:37 PM
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    • 57,086 Thanks
    apple muncher
    Glad you had a good time and didn't get caught out by the weather (bad up here).

    I'm taking a break from weeding to read about your weeding!
    Originally posted by earthgirl
    We are weeding twins!
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (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 Apr 18, 9:12 AM
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    apple muncher
    Dh has gone to work for a few hours. I have done my zcut kettlebell workout #7 (a really tough one with overhead squats and windmills). And dd is still asleep! She came in to us around 12.30, having had some bad dreams. So, she's slept the best of all of us now.

    Off out today. Were told 2 days ago that dd needs some shimmer tights for the festival tomorrow. Amazn couldn't guarantee delivery in time, so we are fortunate to have a dance shop in a nearby town to go to. Plus a back-up shop just another bus trip further on. So we'll do a few errands on the way.

    Dd loved the jigsaws so much yesterday that she wants us to do my 1000 piece one. I have had it for months and keep putting it off as we use the table for other things. But since we have another 10 das off, the challenge is on!
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (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 Apr 18, 8:10 PM
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    apple muncher
    The jigsaw has been finished - it was only 500 pieces and a joy to do. Not quite on a par with the 500 piece jigsaw of the moon - with all the craters, rivers, landings, ravines etc labelled on it that my sister gave me for my 16th - but enjoyable enough.

    We drew a blank on the shimmer tights and weren't prepared to go on to the back-up place. Mostly because the trams aren't running at the mo and therefore the return journey would have been well over an hour. Dh, bless him, has offered to go tomorrow morning for us.

    I have signed up for my we-strongly-recommend-that you-go-to-this meeting, so will have to leave the house at about 5.30am that day, and will get home around 11pm. Ugh. But worth it. And similar to what I used to do every year about 10 years ago.

    Whilst in town, dd helped me to choose some new frames, as my presc changed a couple of months ago. 258 later... Ouch. But that gets me 2 pairs of coated varifocals, one pair being sunglasses.

    Very pleased that we still have another full week of school holiday ahead of us. 2 playdates arranged. We had considered traipsing up to Lunnon town, but dd is just so tired out that I think it won't be worth it.
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (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 Apr 18, 8:40 PM
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    • 57,086 Thanks
    apple muncher
    Forgot to mention that I bought dd some football boots and myself some walking sandals from sp0rts d1rect - they are closing down and had an extra 20% off, so 29 total for both.
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (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 7th Apr 18, 10:15 AM
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    earthgirl
    Bargain!

    Glasses didnt realise the price! but I really must go and get tested at some point. Mum diagnosed with glaucoma this week so good reminder of optical Health important.
    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 budget 2384/5k
    • apple muncher
    • By apple muncher 7th Apr 18, 10:51 AM
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    • 57,086 Thanks
    apple muncher
    I have wondered if I could get the specs cheaper by using an online service, but I seem to have 'fussy eyes' (my name for them, not the optician's!) and often need to go back in to get them re-fitted, bent a bit... I can't wear contacts due to going all nauseous if the alignment was slightly off - most people can cope with a 'best fit' approach. Not me! I have toyed with the idea of having 2 pairs of glasses - one for reading and the other for distance, but this doesn't seem practical. Might be worth getting some cheap specs to try that with...? However, no spare cash as yet to do that!

    One more week of at-home bliss, then the number of commitments starts to crank up. The one weekend between now and June with nothing allocated to it yet - and therefore prob the only one I can go and visit mum properly - is the one where big sis is mumbling about coming down here. Oops. I may have to do a flying Thurs eve - Fri visit. I can feel the manic-ness and stress building up already as I try to fit it all in...

    So before I let the anxiety start, I shall remind myself that I have 1 week of not very much ahead that need to be enjoyed!
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (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 8th Apr 18, 5:58 PM
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    apple muncher
    Dd and I were out for 5 hours and her performance lasted 2m45. Yikes. But it went well and she was happy.

    We have finally realised that if we don't get away from church by a certain time, then we hit a lull in the first set of buses and a large gap when we change, meaning that it can take us 90+ mins to get home, as opposed to about 50 mins to get there.

    This afternoon I have worked out my expenses (which show that it wasn't me using up all my money recently!), bought my train ticket for a jolly up in Manchester (means getting up and out by 5.45am at the latest, ugh), and cleaned, dusted, sorted and tidied the top of my chest of drawers. Dd joined in by sorting out some of her gubbins, which was a bonus.

    We are up to nearly 2 full Sally Army re-bag bags.

    Tomorrow we are off out on a playdate. Lovely friend is collecting us. And us going there means that we don't need to clear enough space for extra bodies here. At least, not until weds...
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (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 8th Apr 18, 6:31 PM
    • 793 Posts
    • 4,440 Thanks
    michelle09
    Glasses are one of those thing that you really do get what you pay for. I'd say the optician is worth forking out for. I'd go nuts if I couldn't live in contacts!

    Sounds like some busy times coming up, hopefully they are fun commitments?
    • apple muncher
    • By apple muncher 8th Apr 18, 7:46 PM
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    apple muncher
    Glasses are one of those thing that you really do get what you pay for. I'd say the optician is worth forking out for. I'd go nuts if I couldn't live in contacts!

    Sounds like some busy times coming up, hopefully they are fun commitments?
    Originally posted by michelle09
    Hmm, not quite what I'd usually class as fun...

    Lots of it is exam board marking (from April through to early July!), plus meetings a loooong way away for standardisation. With various deadlines along the way. Add in getting my own pupils' speaking tests completed properly. Internal exams happen at work the week before the half term. Plus the bible weekend+ at the start of half term where I'm helping with the kids work - another sat meeting beforehand. Plus dd's ongoing usual dance classes as they prepare for this year's show mid-june. And the necessary dress rehearsal. Add in step dd1 from canada and step dd2 from Oz, both in june. And my bday in may. I also want/need to go and see mum a couple of times...

    And that's just what I can remember without looking at the calendar!

    Bet you wish you'd not mentioned it now!!

    I have done myself a hand-drawn and colour-coordinated month-to-view calender (well, I scribbled something like that on the train a week ago!) To reduce the panic, as it really isn't all happening at once and needs approaching steadily, logically and calmly...

    Do just one thing.
    Do it well.
    Move on.

    Or as Watty said:
    breathe in while you read this line
    breathe out as you read this line.

    Or as Dory said:
    Just keep swimming
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (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 10th Apr 18, 3:21 PM
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    • 57,086 Thanks
    apple muncher
    Got zcut kettlebell #10 done and then did another 5 min KB workout. I am thoroughly loving the KBs! I am also thoroughly wobbly after the workouts!

    Took dd out to drop off 2 Sally Army bags and she found a Syl families house for 20 there. I paid with credit gained from dropping bags off, so I still have my nsd! And they gave/lent us a blue ikea bag as that was the only thing large enough to hold it. We did get some odd looks on the buses home...

    Dd now has to try to get it to fit in her bedroom - a challenge indeed.

    Dd went through the huge bag of clothes given to us yesterday and has selected what she wants. Some other friends are round tomorrow so we'll let them have a rootle and see if they want anything. And by the end of the week, it should all be gone.

    Still a huge amount of clearing and sorting to do. But dh is joining intoo. And he'll happily carry the bags to the bus stop for me so that I can get them to the ch shops!

    Enough wittering. The floor needs a good sweep so I might as well get it done. Hark at me! Talking as if housework is a common occurence...
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (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 Apr 18, 8:16 PM
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    • 57,086 Thanks
    apple muncher
    The floor did get swept -and the amount of muck collected showed that it was worth doing!

    We had a lovely time with the friends. Their boy has numerous issues but they all played wonderfully and he seemed to enjoy himself. Result.

    This morning I did an early workout - zcut #11 for 15 mins (4 rounds and down to some squat and twists, if it matters) followed by 3 minutes of KB swings = 111. Then, and only then, did the muscle in my neck/shoulder start to hurt. Quite a lot. I tried to stretch it out but it was having none of it. Oops.

    Allthat it changed today was that I only took 1 bagful to the Sally Army,not the planned 2. Dd and I went to a different store,and went to the huge 24hr tesc0 whilst there, to look at their gf/df range. Blimmin' pathetic, it was. No need to make a special trip there again.

    We came home for lunch , then felt the lure of the library so trotted out again. Via aldee. Who have their fat pack slabs of bacon back in store. Yay!

    Tomorrow we are out again. My glasses are ready for collection -a week earlier than expected. Dh is going that way, to do the PA for a funeral service at church, so we may try to leave when he does.

    Dd dug out her old syl fam magazines this afternoon, and has used a pattern they gave to make an AWESOME dress for one of them. It is so beautiful.
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (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 Apr 18, 1:42 PM
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    • 57,086 Thanks
    apple muncher
    I have my new glasses. Will start wearing them tomorrow.

    Also bought some more wilk0 coir compost, 6 (!) tomato plants off the market, hanging basket liners and garden (growing)bags from the shop. And the w0rks were clearing stock and we got oil paints + a mini wooden model + a sats book for dd,and a notebook for me. Total spend of about 23.

    Off to mix up the coir with water and then get planting.
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (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 14th Apr 18, 10:33 AM
    • 2,124 Posts
    • 23,576 Thanks
    earthgirl
    Sounds great! Hope you enjoyed garden.

    My tomato plsnts haven't germinated do I'll have to buy some
    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 budget 2384/5k
    • apple muncher
    • By apple muncher 14th Apr 18, 8:41 PM
    • 7,573 Posts
    • 57,086 Thanks
    apple muncher
    I love bonfires. But I now stink a little...

    Have had a lovely day. Dd opted out of going to dance so we walked up to sainz and back again (doing a few errands on the eay, of course) and it was so good to stretch our legs. And be out in the sunshine.

    I have sewed up part of dgs' cardi and am relieved that the drumstick knitting has worked ok. I also cut out the parts to make 2 more robin doorstops, most of the parts for a moose, and made a pattern for an elephant.

    Also got a workout done - no jumping (knee) and no kettlebell (neck/shoulder). So I did 12x 45/15secs of squat; foreward and backward lunge L; squat; R; squat; side lunge. I was a sweaty mess by the end - all good.

    I have worn my new glasses today and we get along just fine. Phew.
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: 3113; 2
    018 sell 49.10; WLOSW 1/10

    Mortgage 20,031 (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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