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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 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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 196
    • apple muncher
    • By apple muncher 26th Jul 18, 8:44 PM
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    apple muncher
    Mum was in fair form. I managed to head her off from going down the path of misery, which was good all round.

    Dd and I gave up on getting back on the train or bus to go to the solicitor - it can wait till tomorrow, although it'll require an early start. And with no noisy neighbours, I'd best set an alarm!

    The heat wore us out. And it'll be more of the same tomorrow. And when we toddle off to Spain next week, we're looking at up to 37 degrees. In the NORTH! Ooph.
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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 27th Jul 18, 7:52 PM
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    apple muncher
    Thanks to the YMCA, dd is sleeping on the floor tonight! They took most of what we offered them and will be back in a fortnight for the suite and wardrobes. Yay!
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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 29th Jul 18, 8:21 PM
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    apple muncher
    I am always wiped out from a trip to see mum. You'd think I'd be used to it by now...

    I did zcut kb #1 this morning, before my brain could wake up and stop me. 18mins with the 8k kb = 2r and all the sumo squats.

    The weather broke down here yesterday and today I have worn trousers and socks and shoes . Had to buy dd some leggings from a ch shop on our way home from bham yesterday as we only had shorts and the wind was blowing hard. There is nothing to her and she was all goose-bumpy!

    We are all packed for tomorrow - the taxi is booked for 3.45am. Ugh. Best set several alarms... But we're not going to bother with an early night as we'd prob not sleep anyway!

    It'll be rather roasting out there, esp the latter half of the week. Now that it is wet and windy here, it is hard to imagine being hot all day! But we are all looking forward to it, and to seeing my friend and her family on their home turf - up until now, we have only seen them when they come over here to stay with her mam up north.
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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
    • greent
    • By greent 29th Jul 18, 9:05 PM
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    greent
    Have a lovely time! 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) £3290.25/£4000
    Net sales 2018 £614.82/£1000 PAYDOX18 (#15) Done £18918.90
    • apple muncher
    • By apple muncher 31st Jul 18, 4:00 PM
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    apple muncher
    3am is so not a good time to get up! But the journey all went so smoothly and we were at the flat by 11.50. In the rain. Yep. Rain. Sigh. We have nowt for wet weather with us! It was not forecast!

    Anyhow, met up with my friend and did a load of walking around. But it really helped to orientate ourselves. And we were all in bed at 8pm - much needed. Dd slept for 13 hours!

    This morning, we walked around the roman walls - about 2k I think - my friend came here for a coffee in between teaching, and this afternoon, we've done a long walk to Carrefour as it's simply the best place to get gf/df stuff. I'm on 16k steps already...

    This place is hilly! I'd completely forgotten it was. But I love it!
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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 1st Aug 18, 7:32 PM
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    apple muncher
    Over 18k steps today. And a workout - jelly legs!

    We pottered in the old town this morning and dd found a couple of toy shops to mooch in. We were surprised to find one of them was cheaper than c'four. And dd is planning to return there tomorrow with her bag of coins to spend. She has about 10 euros in shrapnel that we'd had laying around at home for yonks, so it is 'free' money.

    My friend came for lunch and then we wandered up the Minho riverbank, found a spot and went in the water. Well, dh put his feet in, I went up to my middle and dd did some kicking whilst holding on to me. Friend had more sense! But she was canoeing later on and spends more time in the water than in the boat, so that was her excuse...

    Dh and I have taken the mattress off the bed. The base is so creaky and noisy and wobbly that we are not sleeping well. So tonight, we are on the mattress on the floor.
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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 2nd Aug 18, 8:00 PM
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    apple muncher
    We slept much better with the mattress on the floor. But dd fell out of her bed at midnight and again at 4am! (She has a high-up bed at home, so has no need to control the duvet or herself during the night.)

    We had a lazy start and did venture back to thetoy shop where dd spent aaaaages finding something that she a) wanted and b) had enough - or nearly enough - money for.

    The temperature rose and we went out at 6pm to walk along the river and try to spot my friend's kids at their canoeing club. We saw one of them, so dd was pleased. It was 35 when we went out, and had cooled to a mere 32 when we returned over 2hours later. It may go down to 22 overnight... Fortunately, the appartment gets absolutely no direct sunlight which keeps it nice and cool so long as we don't open the windows!

    Tomorrow it is forecast to be even warmer...Oh for a swimming pool...!
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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 Aug 18, 6:25 PM
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    apple muncher
    It has indeed been warm!

    Friend's kids were 'released' from their dad's yesterday afternoon so we had lunch and spent the afternoon with them. It was waaaay too hot and muggy to be outside, but when we walked them to their canoeing club at 6pm and carried on home, twas down to 36. We put the air con on for a bit in our flat!

    Today we have upped the culture quotient of our visit - Casa dos mosaicos, a roman mosaic floor and rooms; and o museo provincial which had a host of roman stuff and a mosaic floor too. Both were FREE, both had lovely people on reception who chatted with me and explained things.

    We then went shoe-hunting for dd and found her some he110 k1tty ankle-high pumps for under 20 euros. And I found some lovely sandals for me for 19 euros.

    We randomly bumped into my friend in townand arranged to go for a walk this afternoon, meeting at 3pm. (Mad dogs and Englishmen, and all that...) We walked for about 3+ hours, along the Minho and up the Rato before cutting up back to town. I'm on ~22k steps! And the temp was 'only' 34 or so...

    We have flopped for the evening!
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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 Aug 18, 8:38 PM
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    apple muncher
    Our final day. No-one woke before 9! Went around the walls again, but went in the opposite direction from last time.

    Friend called and she came up here for the afternoon. We had a great talk - about her kids, mil, stbexh. Stuff she wouldn't usually open up about. So that was good. And she brought her laptop, so dh had a good session sorting it out.

    I walked her down to the bridge - which meant a big uphill to get home. Hey, I need the exercise! And it was another chance to talk.

    Dd made more sy1vanian clothes, and did a photo play.

    Tomorrow, we go home. We're hoping that a) the bus we plan to get does still run, and b) we get to the airport in time to catch our flight! We are all packed, as it is an early start. Not as early as when we came out here, but still a 5.30am alarm.
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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 Aug 18, 7:30 PM
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    apple muncher
    Phew!


    The bus got us there just in time. But we were in time. And the rest of the journey went super smoothly and we were home for lunch.


    Dd has spent most of the time since then outside, playing with the gaggle of local kiddies. And her best friend has been allowed out so she is well chuffed!


    Have sent a couple of emails I needed to do- I do tend to put things off even though I know that doing them sooner would be best.


    Have stufffed and stitched up a few penguins - didn't make me feel any cooler though!


    Got a bunch of yummy fat raspberries off the plantation in the garden.


    Dh has some extra work this week, which is good.
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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 7th Aug 18, 9:06 AM
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    apple muncher
    Up and at 'em! Well, ish...


    Had the best night's sleep in a week. The bed in Spain was awful - wobbly, creaky, I moved every time dh moved. After the first night, we took it off the base and slept on the mattress on the floor. Not much better, as the mattress was pants, but much quieter. Anyhow, it was SOOOOO good to be in our own bed!


    Dh has gone to do a few hours of work. I have done a workout. One that looked deceptively simple. Oh yes, it was simple. But simple doesn't always mean easy... .


    My friend in Spain had a whizzo idea to help me lose weight - I could go and live with her STBEXMIL for 15 years, as that would curb anyone's appetite. I told her I'd put it on the 'one to think about' pile !


    We took about 550 euros and have come back with about 350. We spent about 60 on the bus to and from the airport, and about 40 on footwear for dd and me. The rest was food, I guess, as the only entrance fee we had to pay was 6 euros - and that was a concessionary rate. So, even allowing for gf and df food, we are cheap to take away! Btw, we didn't eat out, and only went to one cafe/bar when friend took us on a 'little jaunt' that took 3 hours!


    It is now after 9am and dd has slept for 12 hours. We are off swimming today so I'd best get her up as it opens at 10...
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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 7th Aug 18, 4:39 PM
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    apple muncher
    So, we didn't go swimming as dd didn't fancy it. We went to sainz and aldee instead. Such fun for dd! Spent over £70 (eek) but got stocked up on gf df foods for dd. And it did include about £10 on presents too...


    And I have made some gf df ginger biscuits and have tried to make aquafaba meringues. We'll see how they turn out in about an hour and a half...
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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 9th Aug 18, 6:53 PM
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    apple muncher
    Up in bham once again. I drove up yesterday, which I was not looking forward to, but it went ok.

    I have done another 22+ miles today. 3 trips to the recyc centre or tip and a visit to mum.

    My hands are now struggling and aching, even though I was really slow and steady moving the furniture bits. Oh well.

    I've also cleared out the bit of garden/patio space at the back, along with the plastic tool box.

    And hoovered half the house, using our little hand-held hoover that cuts out frequently and requires me being on my knees frantically running it back and forth when it is working!

    Did another old bodyrock workout this morning - thoroughly enjoyed it!

    Now to watch some athletics and rest...
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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 Aug 18, 11:08 AM
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    apple muncher
    Waiting in for the YMCA chaps to arrive, and making the most of having a comfy chair to sit on before they take it away... Hope they come before the 4pm cut-off...!

    Nothing much done in the 4 hours I've been up, but I have read lots of diaries!
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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 10th Aug 18, 6:02 PM
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    • 23,570 Thanks
    earthgirl
    I did a z cut workout in the gym on holiday and it reminded me of you!

    Hope things go well at your mumsand don't work too 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 budget £2384/5k
    • greent
    • By greent 11th Aug 18, 3:12 PM
    • 7,236 Posts
    • 73,540 Thanks
    greent
    How did the aquafaba meringues turn out?

    Holiday sounds lovely
    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) £3290.25/£4000
    Net sales 2018 £614.82/£1000 PAYDOX18 (#15) Done £18918.90
    • apple muncher
    • By apple muncher 11th Aug 18, 6:25 PM
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    apple muncher
    Earthie -which one did you do?

    Greent - they were a flop! I put them in after baking some ginger biscuits and I think I didn't let the oven cool own enough.

    The YMCA chaps came at 2pm yesterday. My journey home took me 4 hours. Ugh. But I did get some time at home with big sis.

    Today, we have been to Brighton to lunch with dss + fiancee. It was a lovely time an a good natter was had by all. But I made dh drive both ways - I'm all worn out from my bham visit!
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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 Aug 18, 8:36 PM
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    • 57,036 Thanks
    apple muncher
    Today has been a good day.

    I did an old (very old) bodyrock workout first thing - dive bombers, side jump lunges and dancing crabs.

    Dd has done a good amount of her maths homework workbook, interspersed with : getting gf/df food from sainz, calling in at n'wide to get an appt to open a savings acc for dd, calling at barc1ays to sort some stuff on mum's acc, going to icyland for a fish shop and to ensure we get our free £5; blackberrying (got about 1 kilo of berries); crafting - dd is making clothes for sy1vanians and I'm making pinafores or dungarees for my bunnies.

    Dh has done a few extra hours of work, plus pushing on through the paperwork pile that never ends.

    We both got someone to sign things for us.

    2 loads of washing got more or less dried.

    Much to be grateful for .
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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 14th Aug 18, 8:37 PM
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    • 57,036 Thanks
    apple muncher
    Today was swim/market day. Dd swam a width of the pool. Twice. Such a good improvement - last time, she could only get halfway across.

    Got a housewarming lavender plant for a friend off the market. I have a posh pot to put it in. Also a couple of packs of mixed nuts at 2 for £1. And a couple of doll dress thingies for dd - also 2 fr £1.

    The swimming fair wore me out too, even though I only did some 6 lengths!

    We have a completion date for mum's house. Yay and yikes in equal measure.

    Made a gf df rasp and nectarine cake thingy that actually turned out okay. Yummy.
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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 15th Aug 18, 8:04 PM
    • 7,568 Posts
    • 57,036 Thanks
    apple muncher
    Dd and I have watched both parts of the Deathly Hallows today. I'm emotionally drained!!!

    I have re-arranged the tiny back garden, moving things around and doing a small tidy up. Also mowed the front and weed-sprayed the pavement and next door's weed-patch-of-a-front-garden. There were no noisy or nosyneighbours around so it was lovely and peaceful.

    We nipped to sainz and dd found a present for dh. I found gf/df cornettos on offer so bought 5 boxes!

    Got a FYM workout done first thing.

    Cancelled a magazine sub (£40 per year)and 3 small charity donations (totalling £96 per year). Now I shall set up a £5 permonth Sally Army one. And I have found an awesome magazine in the shops and the monthly cover price is only a little more than the one I cancelled.

    Finished 2 more sets of bunny clothing and cut out 6 more.

    Contacted the solicitor re who and how re the house sale monies.

    It's days like today that epitomise the summer hols for me. Nowt big planned. Easy to spend 6! hours on dvds. Nip out as required. A bit of this and that.
    NST August Achiever #16; NSD 8/15; Ex 13/20 ; craft 12 (105); remove 11 (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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