Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 7,295Posts
    • 54,965Thanks
    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 188
    • apple muncher
    • By apple muncher 17th Apr 18, 3:17 PM
    • 7,295 Posts
    • 54,965 Thanks
    apple muncher
    Dh has bought a car. Well done him. All very painless and simple. Though we don't yet have it, as they are going to service it first. Then we need insurance... And so it starts.

    The workout I did the other day left me with such sore leg muscles. But at least it didn't hurt my neck muscles at all. So today I felt recovered enough to do ZCUT #12. Thoroughly enjoyed it. Did 15 mins = 2 rounds and down to 6 clean + press + rev lunge.

    The lounge curtains and their fleece linings have been washed. They are in shock.

    I am loving my elephant pattern. Making it in fleece is so quick and simple.

    Dh and I have sat down to map out the next 3 months - I don't think we have ever looked that far ahead in such detail. We both have a super busy few months.

    But at least we have a car! ish...
    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 Apr 18, 6:13 PM
    • 1,997 Posts
    • 22,394 Thanks
    earthgirl
    Congratulations on the car, hope it turns into a frugal one for you!
    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
    • greent
    • By greent 17th Apr 18, 8:17 PM
    • 7,012 Posts
    • 71,608 Thanks
    greent
    Whoop!!!! A car!!!! Yeay! That *has* to make life easier at times...? 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) £877.49/£4000
    Net sales 2018 £495.54/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • apple muncher
    • By apple muncher 18th Apr 18, 8:16 PM
    • 7,295 Posts
    • 54,965 Thanks
    apple muncher
    Congratulations on the car, hope it turns into a frugal one for you!
    Originally posted by earthgirl
    Whoop!!!! A car!!!! Yeay! That *has* to make life easier at times...? xx
    Originally posted by greent
    It is a big relief! For 2 reasons: dd and I are camping up in Norfolk at the end of May + I have a day trip to France in early June and need to be at work by 5.40 am. I'm proud of dh taking himself to the dealer, trying the car out and sorting the whole shebang by himself.

    I had a long-awaited dr appt (only long-awaited cos I kept thinking 'it'll get better soon' and then cos I wanted to see a specific dr) this eve about my knee. The knee that stopped me running back in Oct and has been more or less hurty ever since. Anyhow, it is what I thought: arthritis of the knee, or degenerative knee disease . The dr didn't reckon my weight was a factor in it, but I do, and I know that losing a couple of stone would benefit my body in a myriad of ways.

    Step 1 - cut right back on the sugar.
    Step 2 - keep doing my kettlebell workouts.
    Step 3 - drino even more water.
    Step 4 - keep walking as much as possible.
    Last edited by apple muncher; 18-04-2018 at 8:21 PM.
    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 19th Apr 18, 8:23 PM
    • 7,295 Posts
    • 54,965 Thanks
    apple muncher
    My working week is finished. Yay.

    Am enjoying the weather - probably knowing that it will soon stop is helping me appreciate it more.

    Am looking forward to a day off tomorrow. And dh will be out for several hours.
    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 Apr 18, 4:42 PM
    • 7,295 Posts
    • 54,965 Thanks
    apple muncher
    We have our new car. Yay! And dd even approves - result!

    I have had quite a lazy day: school runs, chat with dh, zcut workout #2, washing, reading, making elephants, prepping food for tomorrow (leaving at 5.20am, being fed lunch, getting home around 9pm)...
    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
    • XSpender
    • By XSpender 20th Apr 18, 4:58 PM
    • 2,969 Posts
    • 30,632 Thanks
    XSpender
    We have our new car. Yay! And dd even approves - result!

    I have had quite a lazy day: school runs, chat with dh, zcut workout #2, washing, reading, making elephants, prepping food for tomorrow (leaving at 5.20am, being fed lunch, getting home around 9pm)...
    Originally posted by apple muncher
    That is one long day you have ahead of you tomorrow. Hope you get to recharge your batteries on Sunday.
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£995
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • greent
    • By greent 20th Apr 18, 5:46 PM
    • 7,012 Posts
    • 71,608 Thanks
    greent
    Whoop! to new car

    But boo! and urgh! to the long day tomorrow 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) £877.49/£4000
    Net sales 2018 £495.54/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • earthgirl
    • By earthgirl 20th Apr 18, 6:01 PM
    • 1,997 Posts
    • 22,394 Thanks
    earthgirl
    Sorry to hear about your knee but pleased you got to see he doc you wanted to.

    Great news with the car.

    Thinking of taking the kids for camping trip this year with just me. Need to be brave!
    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 20th Apr 18, 6:19 PM
    • 7,295 Posts
    • 54,965 Thanks
    apple muncher
    I have already told dd that I am probably not going to church on Sunday! Although having the car does change things somewhat - turns a 50+ min journey into about 20... I'll see what time I get home, and how I feel.

    Dd and I are going camping at the end of May. Dh will be around, but he's in charge of the site safety and will be sleeping in a proper bed - not that he'll get much sleep if last time is anything to go by.... So, in effect, he's not there! Having a car now makes the time feel cope-able with - I reckon we could sleep in the car if we needed to .

    In money news, having paid out for the car, we shall now be paying interest on about £3K of the mortgage. Grrr.

    On the other hand, just £2k more off the mortgage takes us in to the teens...
    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 21st Apr 18, 8:30 PM
    • 7,295 Posts
    • 54,965 Thanks
    apple muncher
    Well, I've 'done' Manchester. Left the house at 5.25am and was back home by 6.30pm as the whole shebang finished 90 mins early. Not a wildly inspirational day, but I'll admit to learning some useful bits and bobs. So, 4.5 hours in the meeting (including 1 hour for lunch?!) And 8.5hours travelling. I am living the high life indeed.

    The meeting venue was totally rubbish on the gf side, but the meeting chap I spoke to has a gf girlfriend so he totally understood me and will be complaining to the hotal on my behalf. Yay. I ask you, is it unreasonable to expect the h1lt0n brand of hotel to at least have gf snack/biscuits in their kitchen? Or am I asking too much of them... Sigh.

    However, I had nice seats on every train, met some great people, finished my book and made a glove elephant.

    And now I am ready for bed,and have ensured that the 5am alarm is switched off!
    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
    • XSpender
    • By XSpender 21st Apr 18, 8:55 PM
    • 2,969 Posts
    • 30,632 Thanks
    XSpender
    Well, I've 'done' Manchester. Left the house at 5.25am and was back home by 6.30pm as the whole shebang finished 90 mins early. Not a wildly inspirational day, but I'll admit to learning some useful bits and bobs. So, 4.5 hours in the meeting (including 1 hour for lunch?!) And 8.5hours travelling. I am living the high life indeed.

    The meeting venue was totally rubbish on the gf side, but the meeting chap I spoke to has a gf girlfriend so he totally understood me and will be complaining to the hotal on my behalf. Yay. I ask you, is it unreasonable to expect the h1lt0n brand of hotel to at least have gf snack/biscuits in their kitchen? Or am I asking too much of them... Sigh.

    However, I had nice seats on every train, met some great people, finished my book and made a glove elephant.

    And now I am ready for bed,and have ensured that the 5am alarm is switched off!
    Originally posted by apple muncher
    Glad to hear your meeting finished early. Travelling is so tiring. It isnít too much to ask to be offered a GF alternative to what everyone else is having at breaks in a meeting. Itís not like GF food isnít widely available. I spend a lot of time in hotels and at events with work and can go from having a barely suitable lunch after nothing on arrival (when everyone else is tucking into bacon rolls) or at the 2 coffee breaks during the day to having better food than everyone else!
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£995
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • earthgirl
    • By earthgirl 22nd Apr 18, 9:39 AM
    • 1,997 Posts
    • 22,394 Thanks
    earthgirl
    Yes I also think GF snacks and options should be available.

    Great news that you got back early though.
    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
    • greent
    • By greent 22nd Apr 18, 10:22 AM
    • 7,012 Posts
    • 71,608 Thanks
    greent
    On the other hand, just £2k more off the mortgage takes us in to the teens...
    Originally posted by apple muncher

    Brilliant - so close!
    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 £495.54/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • apple muncher
    • By apple muncher 22nd Apr 18, 11:01 AM
    • 7,295 Posts
    • 54,965 Thanks
    apple muncher
    Haven't gone to church. I did sleep well, but wanted some quiet time and space. Dd has stayed with me - dh is doing PA so had to leave at 8.30.

    I'm chuffed to realise that the london marathon is on today, as I'd forgotten about it. I love watching it!

    Dd is reading and I've done my kettlebell workout - I upped it to using my 12k KB. I'll try to up some other workouts but I think I might have to mix using the 8k and 12k for different exercises.

    I have sewn up 6 fabric elephant tummies and eyes onto a glove elephant. I'll soon need to source more stuffing...
    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 22nd Apr 18, 8:48 PM
    • 7,295 Posts
    • 54,965 Thanks
    apple muncher
    Make that a total of 10 elephants completed.

    Am smug at the fact that tomorrow I can get up at 6.20 - the time I usually have to leave the house at. Because we have a car!! Keeping my steps up will be tricky. And doing headspace. And having clear-my-head thinking time...
    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 23rd Apr 18, 8:24 PM
    • 7,295 Posts
    • 54,965 Thanks
    apple muncher
    Just because I can sleep in until 6.20, doesn't mean that I will... Was awake at 5.05 but managed to doze until 6.05 and then gave up and got up!

    It was odd knowing that I had the car and that it would only take me about 20 mins each way to work.

    Dd wore her brownie uniform to school for st George's day and we are all very glad that she did as she bumped into a boy - they were both running- ands she bounced off him and along the floor. Had she had her usual skirt and socks on, she would have shredded her knees. As it was, she 'just' has nasty scrapes on her knees and one hand.

    Am up to nsd 16 so far. Not too shabby. Just realised that I've not spent any money for the last 6 days.
    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 24th Apr 18, 8:14 PM
    • 7,295 Posts
    • 54,965 Thanks
    apple muncher
    School run - done
    Books back tothe lib - done
    Counselling - done
    sainz + aldee - done
    zcut #4 with both sizes of KB - done
    lovely hot restorative bath - done
    finish 2 elephants - done
    make another robin doorstop - done
    send a frog email (or 3) - done
    collect dd + friend, feed and take to brownies - done
    read some book - done
    daily readings -done
    arrange a coffee date with dh - done

    Not bad. Though there are still several things on the list that have rolled over to later in the week.

    Dh told me that he thinks that my tea + cake party next month should be a champagne + cake party. Not complaining!
    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 24th Apr 18, 9:23 PM
    • 1,997 Posts
    • 22,394 Thanks
    earthgirl
    Sounds great!

    How are you managing with your steps?
    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 26th Apr 18, 11:08 AM
    • 7,295 Posts
    • 54,965 Thanks
    apple muncher
    Steps are dire, earthgirl! I used to do 5k before even reaching work... Not no more. Will need to actively be active now.

    Enjoying my last 10 mins before the busyness starts.

    Took dd to school, have half cleaned the bathroom tiles, defrosted the freezer, done zcut #5 with a mix of the kettlebells. Lunches are made. Strawberry plant planted up.

    Soon to leave to collect dd and go to the eye appt that was cancelled a few weeks ago - up to 2 hours each way. Sigh. And no point driving . And the appt might last 2 hours - it did last time. And I'm supposed to be at a parents evening at 5pm. Gulp. At least having the car means that once home, I can get to work within 30 mins. I think! Dh has a meeting up in lunnon and has strict orders to be home by 4.15, just in case we are...
    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
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

122Posts Today

1,699Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line? https://t.co/kwjvtd75YU

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin