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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 7,698Posts
    • 58,067Thanks
    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 September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 189
    • apple muncher
    • By apple muncher 27th Apr 18, 8:13 PM
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    • 58,067 Thanks
    apple muncher
    It did indeed take us 2 hours to get to the hospital. Traffic was dire. Then we were at the hospital for 3.5 hours. I changed the return journey and it took us 1.25 hours. I was frantically texting dh to meet us in the car when we got to the end of our tram journey wnd I'd swap the car for dd! Bless him, he did it, and brought the corrsct clothes for me so I was fit To go and meet parents.

    I was an hour late for the parents eve, but had such a lovely time with those I saw. Exhausting, but uplifting.

    Today I have been weary and not done much at all. Then at 4pm I remembered that dd wanted to go to a club at church that starts at 4.30. Thank goodness for the car!
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (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 28th Apr 18, 7:57 PM
    • 7,698 Posts
    • 58,067 Thanks
    apple muncher
    Zcut kettlebell #5 or 6 done today. Again,mixing up the 8 and 12 K kettlebells.

    Made a couple more elephants and put lavender sachets inside them - they smell so good that I have opened up the other 11 elephant bellies to do the same!

    My hands ache. Generally and specifically in my pinkies and thumbs and the heels of my hands. And in my toes. It could be that I've been rather erratic this week in taking a certain tablet; or that I've done too much cutting out and hand-sewing; or that I've had too much caffeine in the form of decaf coffee and 85% chocolate. To see if I can improve things, I'm swearing off coffee and chocolate for a week. Sigh. And I'll also make sure that I take the tablet and do less sewing (though there are still 10 nellies with opened-up bellies...)
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (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 30th Apr 18, 7:08 PM
    • 7,698 Posts
    • 58,067 Thanks
    apple muncher

    April:
    -7 days at work
    -23 days not at work
    -1 trip to Manchester
    -2? Visits to mum
    -lots of kb workouts
    -counselling, kids klub, dr, dd's eye appt, parents eve
    -craft, read, headspace
    -gardening, painting
    -clear + sell
    -clean
    Originally posted by apple muncher
    Well, the days at work and not at work got done, of course. And the trip to Manchester. And the kb workouts, counselling, kk, dr, dd's eye appt, parents eve, reading, crafting.

    Only 1 visit to mum, minimal headspace and gardening. No painting. A little clearing,no selling, a little cleaning.

    Quite a mixed bag. I started the month full of energy - and 2 weeks of holiday ahead of me - but stalled when gumt was darned awkward, as was my local fb selling page. So I gave up! Whoops.
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (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 30th Apr 18, 7:37 PM
    • 7,698 Posts
    • 58,067 Thanks
    apple muncher
    May:
    10 days at work
    21 days not
    19 NSDs - ambitious with the half term...
    20 exercise sessions
    25 reading
    31 crafting
    15 headspace
    4? Counselling
    2? Mum visits
    1 webinar
    1 party
    1 visit to a sch
    4 days camping

    Much cleaning and sorting is required,but both dh and I are super busy this month, so I'll not aim too high. June will be a different matter altogether...
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (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 30th Apr 18, 7:40 PM
    • 2,148 Posts
    • 23,815 Thanks
    earthgirl
    Hope your fingers are feeling a bit better now. I'm also off chocolate. Still surrounded by easter eggs though so its so hard!
    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 savings £3203/5k
    • apple muncher
    • By apple muncher 30th Apr 18, 7:52 PM
    • 7,698 Posts
    • 58,067 Thanks
    apple muncher
    If anything,my hands are worse today. Sigh. It's not been a day of lots of marking, as the pupils are all preparing their speaking tests, so not made worse by that.

    It could be the change in the weather... The chilliness and wetness. I have taken up hand art: drawing on my hands where they hurt. By using a different colour each day, I get to see the worst areas ornew areas - as well as get the full experience from them!

    Must get my act together and make some bone broth mix. It might help... Or at least it might help my knee issue(much much improved these last 10 days - phew) Need some bones first though...
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (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 2nd May 18, 9:09 AM
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    • 58,067 Thanks
    apple muncher
    Bought chicken drumsticks, so I'll soon be making my broth!

    Got almost to the school door with dd this morning and she burst into tears - she had forgotten the box her group needed. So I left her and ran home, parcel-taped up a box, removed the address label and ran back to the sch. Ooph. At least I can sort-of-run, tho I think my knee will pay me back all day.

    So, all sweaty and flushed, I have had a few mins on here and shall head off to work. Speaking tests today. Will be a relief when it is all done.

    I am thinking about taking the bus to work tomorrow - I could do with visiting the £ emporium and the street market will be on and I can stop off for a quick look in some ch shops on the way home. All without having to consider where to park. Or I could drive as then I can get more f+v if its worth it, and I can deffo park for free before work and the ch shops will be there another day. Not really a big deal but if I don't make a decision, I'll use up a lot of brain space dithering...
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (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 2nd May 18, 12:20 PM
    • 7,353 Posts
    • 74,524 Thanks
    greent
    Hope the speaking tests go well. We've had technical issues (poor sound on recording) with some of ours (well, the teachers have - I'm just invigilating the prep beforehand) and some other hassles and it's all just been meh! Makes for long days......

    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) £6100/£7500
    Net sales 2018 £655.15/£1000 PAYDOX18 (#15) Done £18918.90
    • apple muncher
    • By apple muncher 2nd May 18, 4:38 PM
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    • 58,067 Thanks
    apple muncher
    Thanks greent. The tests went well and the pupils did themselves proud. I do have to do another one next week for a pupil who had a clash with another subject, but the technical side all worked fine. Phew.
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (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 2nd May 18, 8:03 PM
    • 7,698 Posts
    • 58,067 Thanks
    apple muncher
    I have sorted out my dithering - I shall take the car.

    But I must remember to then go on to work, as it already feels like the weekend is here! Oops.
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (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 May 18, 8:26 AM
    • 7,698 Posts
    • 58,067 Thanks
    apple muncher
    This getting up at 6.20 and waking dd at 6.50 but then not puttingon the telly but reading instead malarkey is really rather efficient! I have got bits and bobs of sewing, cleaning, hoovering done and we are still all ready to go at 8.30. Go us. (prob helps that dh is up and out by 6.30 so we can do our own thing...)

    Hands are worsening. Grrr. Getting all feeble and hurty now. And urging my elbows to join in. Toes too. Sigh. So the short amount of time spent on housey jobs is perfect as I cannot do much at all.

    Aiming to keep off added sugar today...
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (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 3rd May 18, 9:11 AM
    • 7,353 Posts
    • 74,524 Thanks
    greent
    Hope your hands start to feel better soon x (and that the elbows and toes change their minds about joining in!) 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) £6100/£7500
    Net sales 2018 £655.15/£1000 PAYDOX18 (#15) Done £18918.90
    • apple muncher
    • By apple muncher 3rd May 18, 5:18 PM
    • 7,698 Posts
    • 58,067 Thanks
    apple muncher
    The £ emporium has saved me about £20 on a £13 spend, compared with if I'd bought the items in sainz. Result .

    Specsavers have adjusted my specs so I hope they don't hurt my ears anymore.

    Zcut #8 has been done. Ooph.

    I have voted.

    I found a couple of nice rings in a ch shop - I want one for my bday and it's safest to find one myself! And 1 for dh as his wedding ring has never fitted him properly. All for £9.

    Off to bham tomorrow, an am coinciding with big sis.
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (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 May 18, 10:28 PM
    • 7,698 Posts
    • 58,067 Thanks
    apple muncher
    I dropped dd at school and then walked the 10-15 mins to get the tram, bought my train ticket and the lovely ticket barrier man let me through early so I caught the 9.25 train. A scheduled 38 min journey went well and I then did the 10 min walk to the next station, walking straight on to a train with about 4-5 mins to spare. 80 mins later saw me get off the train, exit the barriers to get to the loo, re-enter and walk onto the last train for 10mins. All in all, it took me 2 hours and 40 mins from the first train to getting off the last. Never done it that fast before! That's probably why I feel the need to detail every last bit of it here .

    Also an NSD as I never count food spends when at mum's as I can't carry it all with me and we are trying not to stockpile food here - a pointless thing to do.

    Spent some time with mum and then met big sis in a nice hotel bar where we nattered away for 90+ mins. Sis then went to see mum and I came to the house, checked the cupboards and nipped to the shops as big sis wanted me to cook a spanish omelette for tea. Popped over to see a friend and borrowed their hoover, so the house is all hoovered now.

    Ooh, and the freezer is all nice and defrosted - it was screeching at us every time we pulled out a drawer. Eek.

    Big sis and I went for a walk in the woods to admire the bluebells, and then looked at some of the slides -yep, those ones. Just the ones that were family, only 6 boxes worth...
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (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 May 18, 8:43 PM
    • 7,698 Posts
    • 58,067 Thanks
    apple muncher
    Gosh, but big sis and I have had some frank, open, honest conversations . Tis indeed a good thing.

    my journey home took considerably longer than going, and was considerably warmer! It is always lovely to get home, especially when dd comes to meet me off the bus.

    And I then mowed the front and back, weeded a bit in the back and we moved the climbing frame to its 'summer' position.

    Kids klub tomorrow. So glad we have the car as we can leave the house 30 mins later than when we used to get the bus.
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (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 May 18, 8:50 PM
    • 2,148 Posts
    • 23,815 Thanks
    earthgirl
    Glad you Birmingham trip went well. I sometimes dream about not needing two cars, but it sounds like having one is working great for you!
    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 savings £3203/5k
    • apple muncher
    • By apple muncher 6th May 18, 5:22 PM
    • 7,698 Posts
    • 58,067 Thanks
    apple muncher
    We went down to one car ages ago and dh used to go on public transport to work, as it was quicker for him to do bus/train/bus for 25 miles than for me to do buses for 6! That was in the pre-dd days...

    Hands are supremely feeble today - possibly not helped hugely by yesterday's activities...

    Anyhow, today I have managed to rake over the rasp patch and spread around the compost and ashes that were sitting there as well as a bunch of wild flower seeds I sprinkled on there.

    Before that I removed the sticks that hadn't burned in 2 bonfires and shifted the bricks to a tidy pile - one brick at a time - soooo slow. And packed up a load of old milk containers that had served their purpose as planters.

    Then I re-planted a tommie plant and used up the remaining compost to do 2 planters of mixed herbie seeds and 1 of mixed salad leaves.

    We have put up, waterproofed and packed down the tent for our camping escapade at the end of the month.

    2 washes are pon the line.

    Required downloads have been made for my marking.

    And the Tour de Yorkshire (with all the titles/notes done in French - why???!!!) has been enjoyed. Well done to the winner - an epic effort and well-deserved.
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (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 6th May 18, 6:54 PM
    • 2,148 Posts
    • 23,815 Thanks
    earthgirl
    Sounds like a really productive day, sorry to hear your hands are sore though
    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 savings £3203/5k
    • apple muncher
    • By apple muncher 8th May 18, 8:47 PM
    • 7,698 Posts
    • 58,067 Thanks
    apple muncher
    I am now on to bone broth. No slow cooker, so boiling it up in a pan for a long while, then straining the liquid off and replenishing and boiling again and... Won't do me any harm.

    Another really good counselling session today. And another day of plenty of walking - 18k steps. Some sitting in the sunshine and reading was good for my soul.

    Shopped at sainz for gf/df stuff (£30 ) and then aldee for veggies, 85% choc + cashews (£11 - and £5 of that was the choc + nuts). I was served by a neighbour, so it's always good to have a quick catch-up as she scanS my items.

    I did ZCUT #10 with my 8k KB. 15 mins was 3 rounds (or was it 4?) and then as far as 1 windmill each side. Then 2 mins of KB sumo squat + pivot to a lunge = 24.

    Dh did a quick tip run, which has made a huge difference to the back garden. And I have finally finished wiping/cleaning the bathroom tiles + walls + ceiling + door.

    Made an apricot/lemon/gf/df/vegan/no-cook thingy that has turned out pretty well. May substitute dates for the apricots next time - and only make half the quantity, as my whizzer gizmo doesn't hold a huge amount.

    A busy day ahead tomorrow.
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (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 May 18, 7:40 PM
    • 7,698 Posts
    • 58,067 Thanks
    apple muncher
    My bone broth is rather yuk! I shall make the next batch tastier.

    Did headspace today before waking dd. Then got her some food and did ZCUT #11 for 15 mins while she munched. It was good to get it done first thing.

    Popped into town on the way to workand found a couple of things I needed for dd, got spocksavers to adjust my specs and still had time to chat to an old colleague when I arrived.

    Had a PE cover this afternoon -and impressed the y8 and 9s with my knowledge of rounders and my bowling. Go me! However, it has hurt my knee and my hands are even more enfeebled. Lesson learned... probably.

    Up to 16k steps, thanks in part to popping in to town. Am making a concerted effort to move and it seems to be working.
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (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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