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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 7,267Posts
    • 54,694Thanks
    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 11/19 ; Ex 14/20 ; craft /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 190
    • apple muncher
    • By apple muncher 12th May 18, 8:46 PM
    • 7,267 Posts
    • 54,694 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 May #1; NSD 11/19 ; Ex 14/20 ; craft /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
    • shangaijimmy
    • By shangaijimmy 12th May 18, 9:12 PM
    • 2,702 Posts
    • 13,326 Thanks
    shangaijimmy
    Happy birthday! Happy new decade!
    MFW: Turning June 2036 into March 2025... 38//120 Payments Challenge, Diary Reduction £40,984.38
    Aug 2009: £163,051 // Current: £95,015.63 // Avg Daily Interest £4.27
    MFiT-T4 #8 - 74.24% of £41,000
    • apple muncher
    • By apple muncher 13th May 18, 7:55 PM
    • 7,267 Posts
    • 54,694 Thanks
    apple muncher
    Thank you SJ. Plenty of cake and some fizzy alcohol have been consumed this afternoon. Most civilised .
    NST May #1; NSD 11/19 ; Ex 14/20 ; craft /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
    • CathT
    • By CathT 13th May 18, 9:00 PM
    • 5,542 Posts
    • 38,636 Thanks
    CathT
    Happy birthday apple, hope you had a fantastic day.
    May 2018 -
    part 1 - £77,906
    part 2 - £45,391
    Total - £123,297
    • VintageHistorian
    • By VintageHistorian 13th May 18, 9:04 PM
    • 335 Posts
    • 2,150 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
    • 7,006 Posts
    • 71,529 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) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • apple muncher
    • By apple muncher 14th May 18, 8:14 PM
    • 7,267 Posts
    • 54,694 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 May #1; NSD 11/19 ; Ex 14/20 ; craft /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 15th May 18, 7:38 AM
    • 2,965 Posts
    • 30,332 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/£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
    • apple muncher
    • By apple muncher 15th May 18, 7:47 AM
    • 7,267 Posts
    • 54,694 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 May #1; NSD 11/19 ; Ex 14/20 ; craft /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 16th May 18, 8:00 PM
    • 1,991 Posts
    • 22,314 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) 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 18th May 18, 7:26 PM
    • 7,267 Posts
    • 54,694 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 May #1; NSD 11/19 ; Ex 14/20 ; craft /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 May 18, 8:15 AM
    • 7,267 Posts
    • 54,694 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 May #1; NSD 11/19 ; Ex 14/20 ; craft /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
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