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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 March WINS #1; NSD 13/15; Ex 8/20; craft (12); remove 6 bagfuls (3)

    Mortgage £16,858 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
Page 209
    • apple muncher
    • By apple muncher 10th Jan 19, 7:58 PM
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    apple muncher
    Thank you karma x. I also told my sis about the lunch invite and she agreed that it wasn't much fun to have to take your own food to a thank you meal! We have arranged a playdate for straight after church and dd is well chuffed.

    I had a lovely day at work today. I usually really enjoy my thursdays. And it is my last working day of the week too, which is always a joyous time.

    Dropped a bag to the SA and did not stay to peruse their stuff. Phew!. Took a pot of coins to the sorting machine in the bank - just over £21, thank you. Visited liddle and got items that dh wouldn't really think of getting - green beans, avocado, cabbage, carrot, onion, gf oats... In his defense, he'd been to aldee and got eggs, sausages, beans, wine - the important things!

    Dd enjoyed her sports scholarship day and is singularly knackered! I hope to get her to bed about 30mins earlier than usual. Any more and she prob won't sleep.


    Tomorrow is drama day. Dd is as ready as she'll ever be. And hopefully won't be as worn out as she is now, as Sat is entrance test day, so she'llneed a little energy left for that...



    Off to put big sis's visits to mum in the calendar, and work out when I'll go.
    NST March WINS #1; NSD 13/15; Ex 8/20; craft (12); remove 6 bagfuls (3)

    Mortgage £16,858 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • apple muncher
    • By apple muncher 11th Jan 19, 1:44 PM
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    apple muncher
    Dropped dd off for her drama day and went and got some gf/df stuff from sainz, milk for dh from icyland and flowers from aldee for the posh sch lady who has done so much to help us.

    A warm up and 300 of the 500 rep workout done. Dh checked his NI contributions and has paid more than 35 years. So we also checked mine. It says I need another 5 years, but has also credited me with 3 years when I was still at school!! So I may need 8 more...


    2 loads of laundry done, including the lounge nets. It feels very exposed without them up! But they were awful, having soaked up a lot of condensation over the last few months. Best go and clean the window edges - they go down tothe floor -and floor edging before a friend come round in 16 mins. Nowt like a deadline!
    NST March WINS #1; NSD 13/15; Ex 8/20; craft (12); remove 6 bagfuls (3)

    Mortgage £16,858 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • apple muncher
    • By apple muncher 11th Jan 19, 3:20 PM
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    apple muncher
    Dh has just said that he will pull together an 'If I die' pack. So that we know what monies are where, if they continue when the recipient dies, what our pensions will be and who will get the pension - or how much of it, if any - on death of the recipient.


    Sounds a bit morbid, but I want to know this stuff. It's been nagging at me for a while, and karma's 'net worth' working out has prompted me to actually do something. Thank you karma!
    NST March WINS #1; NSD 13/15; Ex 8/20; craft (12); remove 6 bagfuls (3)

    Mortgage £16,858 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • apple muncher
    • By apple muncher 12th Jan 19, 11:31 AM
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    apple muncher
    Dd is having her entrance test at the posh school now. She went out for 5 mins on her bike before we left to get the bus . It was odd to be up, fed, dressed and have dropped her off and got back home by 9.10 this morning. It is definitely odd not having her around!

    I have done 1 load of laundry, ironed the nets and put them back up with dh's help, made dd's bday cake (currently cooling). Dh has put Christmas back in the loft.

    I have also subscribed to a 5 issues for £5 offer for Mollie Makes. I did think about it overnight and it is a fantastic price - as cheap as buying a second-hand issue in a ch shop, but it comes pristine with all its innards. And I've put the date in my calendar for cancelling the direct debit already.


    We were given 2 bags of clothes for dd by 2 different people yesterday - makes us feel very loved . The first bag was mostly tops and dd liked none of them. The second bag had a lot of crop tops (dd can't stand them - they're draughty!) and plenty of bottoms - soooo many of what we call knicker shorts, as they're that short! and high waisted trousers that come up to dd's armpits! But also plenty that she does like.


    We'll let her friend look through them all tomorrow, so hopefully a few more can be given away before the rest go to the ch shop.
    NST March WINS #1; NSD 13/15; Ex 8/20; craft (12); remove 6 bagfuls (3)

    Mortgage £16,858 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • Karmacat
    • By Karmacat 12th Jan 19, 4:26 PM
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    Karmacat
    I hope its going really well for dd in her exam
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • apple muncher
    • By apple muncher 12th Jan 19, 5:16 PM
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    apple muncher
    Thanks karma - she came out of it and said the day had been awesome! She was totally energised.
    NST March WINS #1; NSD 13/15; Ex 8/20; craft (12); remove 6 bagfuls (3)

    Mortgage £16,858 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • earthgirl
    • By earthgirl 13th Jan 19, 8:15 AM
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    earthgirl
    Glad dd enjoyed it, and good news about the clothes.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    Save Hundreds on your Groceries: https://youtu.be/MAKRXybj5Xo

    My Debt Free /Mortgage Free Journey: https://youtu.be/aZOWzPfh1g8
    • greent
    • By greent 13th Jan 19, 8:31 AM
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    greent
    Great gifts re the clothes!

    Glad DD enjoyed her day - has she (m)any more entrance tests left?

    And big, happy birthday, gluten and dairy free wishes to DD for today! 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 12/18 £54829 2019 OPs (#18) £1100/£5K
    Net sales 2019 £54.70/£500
    • apple muncher
    • By apple muncher 13th Jan 19, 8:51 AM
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    apple muncher
    No more tests now greent. Phew. And thank you for dd's bday wishes - it shall indeed be a gf/df glorious day!



    And dd was up only 20mins later than I would usually wake her this morning. She has already opened her presents and they are all strewn over our bed. She has her nose in one of the books!
    NST March WINS #1; NSD 13/15; Ex 8/20; craft (12); remove 6 bagfuls (3)

    Mortgage £16,858 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • Karmacat
    • By Karmacat 13th Jan 19, 10:24 AM
    • 31,098 Posts
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    Karmacat
    Happy Birthday to DD
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • apple muncher
    • By apple muncher 13th Jan 19, 7:56 PM
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    apple muncher
    Dd has had a brilliant day. She got to custard pie someone at kids klub, had a friend round for several hours, spent some time climbing trees, scoffed her cake and thoroughly enjoyed her presents. Her half-sibs have each given her £10 so she is chuffed to have money to spend on her dolls house.

    Next week should be a more 'normal' week, which I think we will all appreciate. It only has a few extra things in it...


    Still got plenty of frogs to swallow this month...
    NST March WINS #1; NSD 13/15; Ex 8/20; craft (12); remove 6 bagfuls (3)

    Mortgage £16,858 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • apple muncher
    • By apple muncher 14th Jan 19, 8:24 PM
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    apple muncher
    Dare I say it, but I was almost bored at work today. It only happens about twice a year though, and probably only lasts about 45 mins max. I wasn't taken for cover, my marking was up-to-date (and the work I collected in today I was able to mark during the day instead of postponing it as I often do, which turns a tadpole into a froglet) and I had no outstanding admin to do. So I half-planned an 'enrichment day' for the y9s!



    And all that meant that I was able to leave promptly - though I bumped into a mum who I've not seen for months and as I've taught her 3 sons and entered 2 of them early for their Fr exams, we always have a lot to talk about! But I was still home earlier than anticipated so had time with dd.


    The nsds are building up. I have chosen to lose a couple, but it was only to low spends. And tomorrow I'm taking a good friend out to p1zza xpress, as a bday present from last June! We have a 2for1 on the main, which'll limit the damage a little.


    I have been reading a little about how a youthful mindset can slow down your aging. And the opposite too. I have realised that since dad died (can it really be nearly 2 and a half years already?!) And mum went over the precipice into vascular dementia and alzheimers and breast cancer resulting in a swift move into a care home. And dh turned 60, I turned 50 and dd turned 10 in the same year. And I truly feel that I have started to limit myself. And my current weight really limits my mobility and energy levels. I have 'made myself old' and seem to feel that it is all going to decline from now on. It is about damage limitation instead of joy, new experiences, fun and laughter.


    Fifty is not old. Looking at many on my ancestors, I still have another 25-30 years ahead of me. Gosh, that's a lot. So, a mindset of how I was 25-30 years ago would be wonderful...


    One to ponder. Just as well I'm seeing my counsellor tomorrow.
    NST March WINS #1; NSD 13/15; Ex 8/20; craft (12); remove 6 bagfuls (3)

    Mortgage £16,858 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • Karmacat
    • By Karmacat 14th Jan 19, 9:56 PM
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    Karmacat
    Wow! Thats a thoughtful post Fifty is absolutely not old! Mindset and weight are big elements of how we feel - I've come a cropper on forcing myself when I should have been kinder, thats how mindset has limited me, but I'm trying to work on it. Not particularly successfully, it has to be said, but I am
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • apple muncher
    • By apple muncher 15th Jan 19, 8:18 PM
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    apple muncher
    Thank you karma.

    I had a good natter with my counsellor about 'stuff' today, which was great. I also took a friend out for a super late bday lunch and we also talked about similar stuff. Upshot is that I want/need to do things for myself. Things that I enjoy. Possibly an evening activity.

    My friend asked me: when you are on your deathbed, what will you regret not doing? My first -and only - answer was 'not having run a marathon'! My dad ran his one and only one aged mid-50s and I always thought I would do one too. I used to run regularly and could have done a half marathon at the drop of a hat. But that was several decades ago! My friend suggested signing up for a full one in about a year...

    I got myself up early today and did my headspace. Then did 200 reps of the 500 rep w/o before waking dd. It felt good to get it done so early.

    And this evening was dd's 2nd swim lesson. We'd talked about it after last week's awful time, and she was simply going to do whatever she was told to do, no questions, and do it to her best. So that she can make progress and move up a level. Well, it went muchbetter, she was asked to demonstrate something to the group, and she had several 'well done's. Phew. And while she had her class, I swam up and down the big pool. So I had a second blast of exercise .

    If I am to run again, I need to weigh less and be more towards the gazelle end of the spectrum. I currently sit at the hippo end...





    And I jolly well should sleep well tonight!
    NST March WINS #1; NSD 13/15; Ex 8/20; craft (12); remove 6 bagfuls (3)

    Mortgage £16,858 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • ElmoR
    • By ElmoR 16th Jan 19, 8:26 AM
    • 44 Posts
    • 134 Thanks
    ElmoR
    Hi apple, your comment about gazelles and hippos made me laugh! I just turned 50 and cannot believe how hippo-esque the past few years have been - will be following your mortgage and exercise progress ElmoR
    2018 £40,000 and 2027 M end date
    Aiming to reduce to, using OPs: 2019 £30k, 2020 £20k, 2021 £10K, 2022 MF
    • Karmacat
    • By Karmacat 16th Jan 19, 10:05 AM
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    Karmacat
    Yep, it's easy to trend towards hippo-esque I gave myself a good talking to back when I was 39 and I haven't slipped that badly since, though it was a near thing - lost quite a bit on the runup to the cruise last June. Good luck with it, your friend's question is a good one - so is your answer
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • apple muncher
    • By apple muncher 16th Jan 19, 2:23 PM
    • 8,490 Posts
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    apple muncher
    We recieved some icyland vouchers through the post. Without having to 'earn' them first, which was nice. So I've had a little outing there today to investigate whether we could manage to spend £30, or stick at 15...Well, I managed just over £31 and got 3x fish, ch drums, plenty of bacon, loads of froz veg, soya yog, and a few other bits. And got £5.75 off. Feeling smug.

    Hi Elmo. You made me realise that I still have a mortgage! We could have paid it off last year, but decided not to. Which means that we have the money to do some work on it - when we eventually get around to it... We still have 3.5 years to get rid of it, and reckon we'll be ok for that.

    Karma - it was about 6 years ago that I started to pick at food, as that was when dd was diagnosed coeliac. Prior to that, it was just me who was diseased, so I couldn't munch on the others' goodies. Anyhow, today I have been planning all sorts of things, including running home from work twice a week. In my head, I am pure gazelle .
    NST March WINS #1; NSD 13/15; Ex 8/20; craft (12); remove 6 bagfuls (3)

    Mortgage £16,858 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • CathT
    • By CathT 16th Jan 19, 9:47 PM
    • 5,966 Posts
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    CathT
    Glad to hear the entrance exam went well for dd. How soon will you find out the results/options?
    March 2019 - part 1 - £70,912 part 2 - £44,104
    Total - £115,016 105 months to go!
    • apple muncher
    • By apple muncher 17th Jan 19, 6:40 AM
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    apple muncher
    We'll hear from the posh schools sometime in feb. They let you know before the council does. We are trying to 'forget' it all for now as we can't influence the outcome...
    NST March WINS #1; NSD 13/15; Ex 8/20; craft (12); remove 6 bagfuls (3)

    Mortgage £16,858 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • apple muncher
    • By apple muncher 17th Jan 19, 2:37 PM
    • 8,490 Posts
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    apple muncher
    Who has been for a 'run', eh? Moi! Not far. Not fast. Not a pretty sight. But I did it!
    NST March WINS #1; NSD 13/15; Ex 8/20; craft (12); remove 6 bagfuls (3)

    Mortgage £16,858 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
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