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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
    • 7,916Posts
    • 59,949Thanks
    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 November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 203
    • greent
    • By greent 2nd Nov 18, 7:52 PM
    • 7,510 Posts
    • 76,231 Thanks
    greent
    Have had a video call from step son - they have got married! At a lake. With snow. And mountains in the background. Not sure if it was in America or Canada! Very very pleased for them.

    (They'd obv had it planned as gf had a proper wedding dress, and they would've needed the right licence for it. Sneaky them! Dh has requested more details!)
    Originally posted by apple muncher
    Oh wow! How lovely!


    Re dss's wedding, once they finally got hitched, we had planned to gift them the money that they repaid to us after January's fiasco. Except they have only paid us £200 .
    Originally posted by apple muncher
    Hmmm... Can you perhaps 'write off' the debt instead of a gift then?

    Thank you Earthie. It is very hit and miss with my visits to mum. I never know how she will be and I find them emotionally and mentally hard to do. And then I feel guilty about finding them hard to do! And I compare myself with big sis who seems to want to go and seems to enjoy spending time with mum... Plenty of self-flagellation at times!
    Originally posted by apple muncher
    Ahhh - this is my mum (guilt and finds it hard) and her sisters (both enjoy and find it much easier) with my nan. However, even though you find it hard you *do* go 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) £7127.06/£7500
    Net sales 2018 £718.06/£1000 PAYDOX18 (#15) Done £18918.90
    • apple muncher
    • By apple muncher 2nd Nov 18, 8:12 PM
    • 7,916 Posts
    • 59,949 Thanks
    apple muncher
    17,693 steps done so far today. Walked up through the woods with dh this morning, then up to Icyland this afternoon.

    The weather has been clear and sunny, and we had a great view of a local firework display this evening - from our back garden. Several neighbours were also braving the chill.

    Did some paperwork for a soon-to-happen cafe trip. I suspect I may have to amend much of it early next week, but at least I have started it. Almost did some lesson prep, but stopped just in time...

    Sewed a few bunny legs and arms, made a few mice that still need eyes. Not a huge amount of crafting, but a Tilly Tidy that still got a little done. I cut out 4 big bunnies, 4 small bunnies, all their clothing and over 30 mice whilst to/from/in bham. Now I need to sew them up... Plus the santas + he11o kitt1es...

    Found 18 old Dandy comics - 1983 + 1984 - in a ch shop, so dd now has them all.She is v happy .
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (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 Nov 18, 8:22 PM
    • 7,916 Posts
    • 59,949 Thanks
    apple muncher
    Thank you greent x. I no longer feel that dd should go with me every sch hol - she needs time to chill out in her own home and not be travelling. And this way, I can go during term time and also have time at home with my own family.

    We've had an email from d-i-l, telling us that they actually got married on their original date (the one that got cancelled that was going to be in Oz), getting the legal bit done. So the photos we saw - Lake Louise - were not the 'actual' wedding. All rather complicated. Dh is rather disappointed that he/we weren't involved in the wedding as we were only 45 mins drive away from them. Sigh. It has been rather a tough year with each one of his kids, all in different ways and I think he has found it hard.
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (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 Nov 18, 9:42 PM
    • 7,916 Posts
    • 59,949 Thanks
    apple muncher
    Been to physio. V good. But now my rotator cuff tendonitis is rather tender despite 20 mins of ice. However, I only go back in 2 weeks and in the meantime I am to do certain exercises daily along with icing it daily. £38 well spent.

    Twas a busy Monday but that is my busiest day of the week done and dusted. Have a fairly large list for tomorrow. Should keep me out of mischief...
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (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 Nov 18, 7:42 AM
    • 2,215 Posts
    • 24,277 Thanks
    earthgirl
    Apple I get an amazing physio free through work, is it an option for you? Hralth spends always the most important 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 6th Nov 18, 1:43 PM
    • 7,916 Posts
    • 59,949 Thanks
    apple muncher
    Earthie - the most I get is a school dinner, in exchange for doing a duty. Luxury, no?

    Achey shoulder today.

    Put 250 into dd's savings as online wasn't working, so I went to the bs in person. Took the cash out from the atm, went through the door, and handed it over again!

    Very good shop in sainz: vitalite down to £1; plain soya yog; gf df nuggets + chick steaks; 4 loaves gen1us bread; 2 packs gf df pizza bases; gf df choc to make more 'reeces' for dd; nakd bars for dd to try; marshmallows like the ones in c0sta; more non-disgusting vegan cheese. And a cool HP book. Spent over £42. Ouch. Used a triple points voucher,which is why I got so much. For once I found everything on my list.

    Once home, I did a proper warm up (what a shock for my body!) and the shoulder ex from the physio. He said to start with the 3k dumbells. Ha. I started with a 454g jar of honey! However, I did do 5x 10 of each of the 4 exercises. Am now sat with an ice pack wrapped round it. As per what I was told to do.

    Recorded rugby highlights on thebox. So tempting to 'waste' time watching ... Dh is going out in 10mins, so I'll do useful things once he's out of the house... maybe...
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (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 6th Nov 18, 6:44 PM
    • 7,510 Posts
    • 76,231 Thanks
    greent
    Recorded rugby highlights on thebox. So tempting to 'waste' time watching ... ..
    Originally posted by apple muncher
    Am sure that this could come under mothernerd's recommended down time for November in NY..... 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) £7127.06/£7500
    Net sales 2018 £718.06/£1000 PAYDOX18 (#15) Done £18918.90
    • earthgirl
    • By earthgirl 6th Nov 18, 7:09 PM
    • 2,215 Posts
    • 24,277 Thanks
    earthgirl
    Are you sure your occupational health service wouldn't provide the physio? Scotland is strapped for cash, but my physio is great and keeps me in work...
    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 Nov 18, 7:51 PM
    • 7,916 Posts
    • 59,949 Thanks
    apple muncher
    The only place I've heard of OH people is in colleges, post-16 places. I've never heard of one for a school unless there's a disability or injury necessitating certain moves. I shall ask around tomorrow.

    I enjoyed the rugby, and also got some necessary paperwork and marking done. Then plenty of machine-sewing of bunny bits when dd was home.

    Made a yummy bubble + squeak based on an economy gastronomy recipe. Dh was impressed!

    I've looked at the calendar, and think I'll be going to bham again next week, as I can't do the following 4 weeks. Yikes. Then in dec, either a day visit or airbnb as the flat has a 4-week booking.
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (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 Nov 18, 7:58 PM
    • 7,916 Posts
    • 59,949 Thanks
    apple muncher
    Forgot completely about the occ health asking today. Got to work, handed in updated paperwork and then discovered that both members of staff who I though were accompanying me next week were not, for one reason or another. Yikes. However, I managed to get it all sorted very quickly, by running around an awful lot. (I made it to 38 floors today!) Phew.

    Dd ate some apple today. And quite enjoyed it . She is my mini apple muncher now!


    Sewed up more bunny bits and turned 8 bodies + 16 legs. The arms are a little pesky so they can wait until tomorrow. Also, I've been surprised at how much twisting of my shoulder is involved in the turning of bunny limbs!


    Shoulder ex done again - using a 600g weight this time! and interspersing each arm ex with a leg one.


    We went to dd's parents eve and she, of course, is doing brilliantly. It's good for her to hear it from her teacher. 2 very smug parents .


    Feeling quite positive generally, after a little while of feeling sad generally. It was good to do no sch work at all once home today.
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (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 8th Nov 18, 6:57 AM
    • 2,215 Posts
    • 24,277 Thanks
    earthgirl
    Well done DD.

    The occ health here is the council occ health. I needed a physio referal from my boss and I was seen within a week.

    Hope your shoulder is improving and glad you are feeling happy 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 2k/2k 5k Travel savings £3203/5k
    • apple muncher
    • By apple muncher 9th Nov 18, 11:31 AM
    • 7,916 Posts
    • 59,949 Thanks
    apple muncher
    Found a lord of the rings mug for dh for 50p.

    And a 'grandad is an expert at watching tv with his eyes closed' mug for dh for 50p too.

    And seemingly never worn CAT calf height black boots for me for 6.50.

    All put away until cmas.

    Also lost my phone. Lovely lady rang it and I'd left it in the chemist . Phew.
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (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 Nov 18, 9:00 PM
    • 7,916 Posts
    • 59,949 Thanks
    apple muncher
    And this afternoon/evening, for £2, I got the following for dd: a lycra leotard, lycra dance leggings, a cmas jumper, a ls tee shirt and 2 ss tee shirts.

    A total ch shop haul of £9.50 for the day. Smug face is on.
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (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 Nov 18, 8:04 AM
    • 2,215 Posts
    • 24,277 Thanks
    earthgirl
    Glad you got your phone back and it seems you are well away with the christmas shopping bargains
    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 10th Nov 18, 3:50 PM
    • 7,916 Posts
    • 59,949 Thanks
    apple muncher
    No dance today, so dd and i went swimming.

    I can see why people use thimbles. My fingers are a testament to why people wear thimbles. Problem is that I'd need about 6 thimbles to protect my digits!

    But the rugby is on and I'm sewing on bunny arms, then will do their faces. Dd is on utube. We are happy!
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • pinkypig
    • By pinkypig 10th Nov 18, 9:48 PM
    • 1,470 Posts
    • 11,348 Thanks
    pinkypig
    Hi Apple

    I just wanted to call in and say thank you so much for flagging up the NST thread on Cath's diary. It is fabulous and has encouraged a bit of reflection. I've missed the boat for November but will be joining in December. Thanks again
    MFW 2018 #157 Target £15,000

    £21,220.89/£15,000
    • apple muncher
    • By apple muncher 11th Nov 18, 7:26 AM
    • 7,916 Posts
    • 59,949 Thanks
    apple muncher
    Hi pinkypig! I think I read along with the original threads for about 6 weeks before joining. It was the reason I joined mse. Hope to see you over there in Dec.
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (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 11th Nov 18, 8:10 AM
    • 2,215 Posts
    • 24,277 Thanks
    earthgirl
    Not sure what NST is but I think I've seen it before. Hope your fingers recovered!
    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 11th Nov 18, 1:41 PM
    • 7,916 Posts
    • 59,949 Thanks
    apple muncher
    Not sure what NST is but I think I've seen it before. Hope your fingers recovered!
    Originally posted by earthgirl

    NST = ninja saving turtles.


    Originally set up by ninjasavingkat, the monthly challenges were for her to pay off 16k of debt and save 10k to go and travel. She came up with monthly challenges - and boy! were they tough sometimes. Every month was different but with the common goal of spend less, save more.


    When kat went off travelling, we re-named ourselves the Turtles (mothernerd's inspiration) and became the NST instead of NSK. Now a different turtle runs each month.


    Hope this makes sense!
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (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 11th Nov 18, 5:46 PM
    • 7,916 Posts
    • 59,949 Thanks
    apple muncher
    We had the remembrance service in the pelting rain! Ugh. Took us a while to warm up and dry out despite coats + brollies. I look at some 18-22 year olds and think that 100 years ago, they would have been fighting men.

    Not much else achieved. Fed dd - she is quite off her food, which always worries me. Fed dh and I - bone broth, mashed tato, carrot and chorizo all boiled together for 20 mins, then zapped. Surprisingly, it was not only edible, but rather tasty! Followed by stewed blackcurrants (I defrosted a brick of them that must have been on the freezer for a rather long time) and apple. Yum. But don't chew too hard as the pips get stuck in between my teeth and that's not a good thing.

    Dh has done his back in. A weakness he has. He has done a lot of shifting furniture and equipment this week, which has triggered it today.

    I have cut out the last lot of bunny clothing (for now!), but really need to sew them up. All 12 of them... Soon.



    Quite a busy week - 2 groups to a cafe to practice their French; to work on an afternoon I don't work, to 'piggyback' on some training; counselling; up to see mum overnight; a report for the head; 2 pupils to mentor. Must do myself a plan...
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (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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