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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 7,475Posts
    • 56,308Thanks
    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 Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 190
    • apple muncher
    • By apple muncher 12th May 18, 8:46 PM
    • 7,475 Posts
    • 56,308 Thanks
    apple muncher
    And so I enter a new decade. It doesn't feel any different from the last one yet...

    10 years ago we had a big (for us) joint party as combined, we were 90. The weather was grotty and it was all a squash in the house and rather stressful.

    Tomorrow I'm having a few friends round for a tea party - drinks and cakes. If they all coincide then there'll be 10 of them. Much better.

    Just found a b-a-b £5 voucher that runs out on the 16th, so must get dd there asap!

    Did ZCUT #12 this morning with an 8k KB. A good way to start the day.
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • shangaijimmy
    • By shangaijimmy 12th May 18, 9:12 PM
    • 2,759 Posts
    • 13,729 Thanks
    shangaijimmy
    Happy birthday! Happy new decade!
    MFW: Turning June 2036 into March 2025... 40//120 Payments Challenge, Diary Reduction £43,102.24
    Aug 2009: £163,051 // Current: £92,897.77 // Avg Daily Interest £4.17
    MFiT-T4 #8 - 74.24% of £41,000
    • apple muncher
    • By apple muncher 13th May 18, 7:55 PM
    • 7,475 Posts
    • 56,308 Thanks
    apple muncher
    Thank you SJ. Plenty of cake and some fizzy alcohol have been consumed this afternoon. Most civilised .
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • CathT
    • By CathT 13th May 18, 9:00 PM
    • 5,620 Posts
    • 39,200 Thanks
    CathT
    Happy birthday apple, hope you had a fantastic day.
    June 2018 -
    part 1 - £77,571
    part 2 - £45,272
    Total - £122,843
    • VintageHistorian
    • By VintageHistorian 13th May 18, 9:04 PM
    • 355 Posts
    • 2,261 Thanks
    VintageHistorian
    Happy birthday Apple! Glad to hear you've had a lovely day!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Overpayments in 2018 - £219.36 | Lose 1 stone - 0/14lbs |
    • greent
    • By greent 13th May 18, 9:29 PM
    • 7,152 Posts
    • 72,812 Thanks
    greent
    Happy Birthday, apple! Fizz and cake sounds perfect Hope the weather has been lovely for you 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) £2772.47/£4000
    Net sales 2018 £553.92/£1000 PAYDOX18 (#15) Done £18918.90
    • apple muncher
    • By apple muncher 14th May 18, 8:14 PM
    • 7,475 Posts
    • 56,308 Thanks
    apple muncher
    Thank you one and all . It was a shame to go back to work today!

    But it was a good'un. All my classes did their listening tests, so it was a peaceful time. I got 'stuff' done - furniture chats, marking, sorting, planning purchases, helping colleagues out - and I left super promptly and was home nice and early.

    To then spend 75 mins, along with my very tech-y dh, trying to watch some required, urgent, essential, necessary, you-can't-continue-if-you-don't-watch-them videos. Only to fail. But a few emails later, and I was allowed to simply read the transcripts instead. Phew. ThenI wasn't exactly inthe mood to start standardisationing, but I thought I'd just do one. And I did ok. Double phew.
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (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 15th May 18, 7:38 AM
    • 2,990 Posts
    • 30,853 Thanks
    XSpender
    Happy belated birthday
    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/£945
    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, £47,401.24 @ 21.06.18
    • apple muncher
    • By apple muncher 15th May 18, 7:47 AM
    • 7,475 Posts
    • 56,308 Thanks
    apple muncher
    Another sunny day ahead.

    I have already done zcut #1 mostly with my 12k KB, which makes it decidedly harder!

    Today is counselling, a bit of food shopping - about 3 items, each from a different shop, plenty of walking, and my marking interspersed with washing up (the pile is biiiiiig), father brown, minion knitting, washing. Dh is home at 1.40 but has to go straight out until early evening, dd will get home at 4.30, so I have the day to myself.
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (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 16th May 18, 8:00 PM
    • 2,090 Posts
    • 23,181 Thanks
    earthgirl
    Happy belated birthday!
    Sorry to miss it, love the sound of a civilised afternoon. I'm planning to do exactly what i want on my birthday too!
    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 1.2 /2k 5k Travel budget 0/5k
    • apple muncher
    • By apple muncher 18th May 18, 7:26 PM
    • 7,475 Posts
    • 56,308 Thanks
    apple muncher
    Did zcut #3 today with the 12k KB. Go me!

    S l o w l y getting there with the marking and getting it more and more nearly right...

    Dd went up to watch some cricket at the Oval today. She was happy to think that her grandad would have been jealous, as he adored cricket. (No idea why! Though I expect I somehow know all the rules and terminology - pure osmosis...)

    Hoping to chat to stepdd in Oz tomorrow morning. Just a 9 hour time difference at the mo.
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (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 May 18, 8:15 AM
    • 7,475 Posts
    • 56,308 Thanks
    apple muncher
    I woke up at 6.10 (why oh why??!), so got up and did a 10 week plan that ended up being 9 weeks when I looked more closely at the dates...

    Then I did zcut #4 with a mix of 8 and 12k KB. I mulled over getting the other 8 done before the end of the month, ie in the next 12 days. But once I looked at when we are travelling /camping /seeing mum, it became clear that there just aint enough time. Maybe I could do it by the end of half term...

    The sun is shining again. I'm due a work call (step dd hasn't called yet) then I can do some work. Interrupted by a 2 hr webinar, pesky training! Meanwhile, dh will take dd to dance via Ha1f0rds to get a mallet and tent pegs - can't ever have too many pegs, eh?
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (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 May 18, 8:28 PM
    • 7,475 Posts
    • 56,308 Thanks
    apple muncher
    The weekend seems to have gone on for aaages. In a good way. Today I was up just aftrr 6 and only sat down at 1.30. But it was all good stuff.

    Marking, getting dd up, taking dd to dance, shopping, zcut #5, collecting dd, showering, feeding us both, taking dd to a scout-centre party (where I stopped and sat down for a bit), bonfire, home, bathe dd, feed dh (he's back to mad manic panic) and relax.

    Now to think about the week ahead, and how to fit in my marking... and my kettlebell workouts too .
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • julicorn
    • By julicorn 20th May 18, 8:55 PM
    • 128 Posts
    • 469 Thanks
    julicorn
    Sounds like an eventful but fun weekend! Bonfire sounds particularly nice
    • apple muncher
    • By apple muncher 21st May 18, 8:12 PM
    • 7,475 Posts
    • 56,308 Thanks
    apple muncher
    I took my rucksack to the bonfire. I also use it for work, so every time I got something out of it or picked it up, I got a waft of bonfire!

    A peaceful day at work and I was allowed out early to get dd, as dh couldn't get home in time.

    Marking stands at 5/300. At least I have started...

    Dh leaves tomorrow to set up the site for the camping weekend. Fitting in the marking will be tricky, especially as I'll miss 4 days with camping and possibly another 2 to visit mum. Eek. Therefore I absolutely must get as much done this week as I can. Watch this space....
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (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 May 18, 8:35 PM
    • 7,475 Posts
    • 56,308 Thanks
    apple muncher
    Up at 5.55 as dh was so restless. More marking. Up to 24/311 now. Along with school runs, counselling, walking, PO, zcut #6, shower, lunch, dh coming and going, sch pick up, tea, brownies drop off and pick up, washing up, packed lunch making.

    And an NSD to boot. Not bad.

    Planning an early night and an early start...
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (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 May 18, 8:04 PM
    • 7,475 Posts
    • 56,308 Thanks
    apple muncher
    I got my early start. Yawn! Tomorrow I'll get up early to do a workout. And then try to squeeze marking in to a busy day. Haven't got numbers completed with me at the mo, so will update tomorrow. Must remember to write sch reports!

    We have sold mum's house - sstc, of course. Eek. So I must call the solicitor we want to use tomorrow. Have told big sis as we now need to focus on clearing it...

    Off to read a book
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (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 May 18, 8:14 PM
    • 7,475 Posts
    • 56,308 Thanks
    apple muncher
    What a thunderstorm we had in the night. Accompanied by a veritable downpour. I am extremely grateful that the container in the loft collected the incoming rain and hasn't (yet) overflowed. One of my jobs fortomorrow is to clamber into the eaves and extract it and empty it. Usually it is dh's task, but he's away and I don't want to risk it overflowing and giving the ceiling and my wardrobe another soaking.

    The solicitors were very nice and helpful, so I know what to do next. Am going up next week, along with dd and big sis, so we'll start to do some serious claiming of items / serious 'why on earth have we kept that?'. And will get a charity booked in to see what they want once we've checked the fire labels. It's quite exciting, but rather daunting.

    Got up early to do a workout before my brain could object. I am proud to say that I was able to do all the windmills and all the overhead squats. Go me!

    Plenty of marking done. Plenty more still to do... 26 days to do it all in...Some people work out how much they have to spend each day; I'll be working out how much marking I need to do each day . There are 7 'unavailable' days. So I need to do approx 15 per day, but I loathe working right up to a deadline, so I'm definitely aiming for more per day... Enough wittering!
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (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 25th May 18, 6:26 PM
    • 2,090 Posts
    • 23,181 Thanks
    earthgirl
    Marking just takes over doesn't it!! You sound so busy and motivated, well done! Good news on your mums house, although there will be things that are difficult to get sorted, im sure you'll manage with your usual aplomb. Have a lovely time camping x
    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 1.2 /2k 5k Travel budget 0/5k
    • apple muncher
    • By apple muncher 25th May 18, 6:55 PM
    • 7,475 Posts
    • 56,308 Thanks
    apple muncher
    Marking motivational mojo keeps walking off! Pesky thing... Up to 73/311 methinks. Surely I'm not at 23.47266881% already????? Ah well, I'm stopping for now, until Tues at the earliest.


    How can 2 people need so much gubbins for just 3 nights camping? And we're not even cooking for ourselves (although I am taking a bagful of dried non-perishable non-affected-by-heat foodstuffs for dd). I think it is because when we went 2 years ago, we were so, so cold that we have a gazillion layers to wear this time. If it should be warm, then we will simply wear the same clothes every day and come home rather smelly! The forecast is currently dry and warmish in the day...


    ZCUT #8 got done today. I am rather looking forward to a break from them! I am hoping to do plenty of walking about on the campsite - no big plans to go out and about too much at all. It'll also be nice to see dh again!
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: £2334; 2
    018 sell £49.10; WLOSW /10

    Mortgage £20,809 (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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