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    • apple muncher
    • By apple muncher 19th Nov 13, 4:07 PM
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    apple muncher
    Apple muncher's number crunching
    • #1
    • 19th Nov 13, 4:07 PM
    Apple muncher's number crunching 19th Nov 13 at 4:07 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 4:10 PM. Reason: Can't add up!
    NST April Spring #7; NSD 9/12; Ex 14/16; craft (12); remove 5 bagfuls (14)

    Mortgage £16,231 (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 220
    • apple muncher
    • By apple muncher 9th Apr 19, 10:50 PM
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    apple muncher
    We have arrived at Freds, been food shopping (how much?!?!), been to see MIL, and popped to the thrift store for 3 mins - will return tomorrow, as our place's version of 'kitchenware' consists of 4 of each of plastic bowls, plates, knives,forks, spoons and 2 small lidless pans and frying pans. We can easily spend some pennies there, and leave the stuff behind. Otherwise we cannot cook!
    NST April Spring #7; NSD 9/12; Ex 14/16; craft (12); remove 5 bagfuls (14)

    Mortgage £16,231 (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???
    • XSpender
    • By XSpender 10th Apr 19, 4:25 PM
    • 3,311 Posts
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    XSpender
    Hope you have a fabulous time!
    £19,914.15 at 28/12/18, £21,259.23 at 28/01/19, £21,083.50 at 28/02/19, £22,014.95 at 28/03/19
    • apple muncher
    • By apple muncher 10th Apr 19, 5:25 PM
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    apple muncher
    Ya boo hiss to noisy neighbours...both very late last night and rather early this morning.


    But it meant that we were up early, so I did a version of Silent Killer workout. Then we were out by 8am to go and climb a big rock before the temp rose (forecast to reach 33C). The tailwind helped us up - dd was running, a la Kate Bush! The wind at the top was soo strong - about 50mph, and dd kept laying down to avoid being blown away...



    It's certainly a place we want to return to before we leave as there are others walks to do (as well as climb up again.)
    NST April Spring #7; NSD 9/12; Ex 14/16; craft (12); remove 5 bagfuls (14)

    Mortgage £16,231 (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 11th Apr 19, 9:52 AM
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    Karmacat
    I feel your pain on noisy neighbours - hope it's better tonight. Silent Killer workout sounded so fascinating I had to google it - it's still fascinating



    Have a lovely day - relaxing during the hottest part? Then roaming, yay
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • apple muncher
    • By apple muncher 11th Apr 19, 1:12 PM
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    • 66,278 Thanks
    apple muncher
    We had no noisy neighbours last night - yay! Tho we are still not sleeping through - heat, mostly. We even put the aircon on for a bit in the night, which meant we slept.



    However, today is cloudy and quite a bit cooler, so we plan to potter around the town and be tourists.


    Karma - now that you know the silent killer workout, I feel the need to add that I didn't do it for the full time (did 35 secs, not 50) and I also didn't use weights (cos I have none here). And I definitely do not have that body...!
    NST April Spring #7; NSD 9/12; Ex 14/16; craft (12); remove 5 bagfuls (14)

    Mortgage £16,231 (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 Apr 19, 2:35 PM
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    apple muncher
    Forgot to mention yesterday's thrift store finds:


    15 dollars got:
    1 ls running top for my sister's bday
    1 3/4 sleeve hippy top for me
    1 sleeveless top for me
    1 belt for dd
    3 books for dh
    2 plates
    2 mugs
    2 glasses
    3 forks
    1 spoon
    1 knife
    1 sharp knife
    1 corkscrew (dh bought wine with a cork and hasn't been able to drink any yet...)


    A veritable haul!
    NST April Spring #7; NSD 9/12; Ex 14/16; craft (12); remove 5 bagfuls (14)

    Mortgage £16,231 (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 12th Apr 19, 5:51 AM
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    CathT
    That was a bargain shop. Have a wonderful trip, weather sounds amazing!
    April 2019 - part 1 - £69,838 part 2 - £43,960
    Total - £113,798 103 months to go!
    • greent
    • By greent 12th Apr 19, 10:53 AM
    • 8,025 Posts
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    greent
    Amazing thrift shop finds!!!!
    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) £1603.41/£5K
    Net sales 2019 £155.17/£500
    • apple muncher
    • By apple muncher 13th Apr 19, 1:26 AM
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    • 66,278 Thanks
    apple muncher
    Got a much better night's sleep last night, so was waking up by 6.30. I did 200 reps of the 500 rep w/o - took me about 15 mins and was just enough!

    We visited wallymart today - dh really wanted to go - and it was much nicer than HEB. Not nearly so overwhelming to my senses. Dh is quite insistent that we buy ourselves something as a memento of our visit, but we all draw the line at yee-ha-texan-y things... Dh got some jeans; dd got a dress + tee-shirt; I got 2 cheap vest tops. To be honest, I really prefer the thrift store top I found the other day.

    Then we popped to a g00dwill thrift store and all found it overpriced so didn't stay long. And the dollar store yielded up a book for dd.

    All this was only about 90 mins, but I really didn't want to go in another shop...!


    We took MIL out for lunch. She uses a walker (calls him Johnie!!), has severe osteoarthritis and is legally blind. So there's no danger of her wandering off . We went to a pizza place that does gf and you can build your own pizza. Deeeelicious! Then us girls all decided to go to the loo. Must've taken us over 20 mins: to the back of the store, down 6 uneven steps, wiggling around tables, over cobbles, through a fairly narrow doorway and then into the loo, which was fortunately big enough for MIL, Johnie and me), then out and up a slope of uneven cobbles wiggling between tables, to get to the sidewalk. And although we had managed to park right in font of the pizza place, the step down to the road was rather large.

    We returned a full-tummied but tired out old lady to her home!


    It has still been hot today and the early chill had dissippated by about noon. Depending on which forecast you look at, we may have storms tomorrow... But we did sit out in the sun today for a bit - while the shadow was on our bodies but our legs had a little direct sun.


    Tomorrow is either go to another state park for a walk in the morning and then 'do' a museum or 2 after lunch, or vice versa if the weather so dictates.
    NST April Spring #7; NSD 9/12; Ex 14/16; craft (12); remove 5 bagfuls (14)

    Mortgage £16,231 (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???
    • greent
    • By greent 13th Apr 19, 9:25 AM
    • 8,025 Posts
    • 81,371 Thanks
    greent
    Sounds like a good time is being had by all! 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) £1603.41/£5K
    Net sales 2019 £155.17/£500
    • Karmacat
    • By Karmacat 13th Apr 19, 1:57 PM
    • 31,284 Posts
    • 184,151 Thanks
    Karmacat
    I can understand wanting to go to a Walmart for the experience, apple I'm glad it seemed good. And omg, a build-your-own gf pizza! Now thats my idea of heaven. I'm surprised the loos weren't more accessible, Texas being what it is ... Hope you get a good view of the lightning bolts (and that they're quite far away ).
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • apple muncher
    • By apple muncher 13th Apr 19, 9:40 PM
    • 8,640 Posts
    • 66,278 Thanks
    apple muncher
    The building was an original, I think, Karma, so not designed for invalids! The was a stone threshold - not massive, but wouldn't be classed as 'wheelchair friendly'. You could get to the loos by going out the front and round and down the courtyard, but frankly, it would have been just as much worK.

    No lightning bolts here, just some on and off very heavy rain. We went to a museum, but it was a very miltary, navy one so dd and I didn't last very long.


    We venturd over to yet another thrift store! Definitely one worth visiting. $6 got us a ls exercisetop + sleeveless ex top + thick white wool for me; a bk for dh; some lace, threads and a bk for dd. Bargains again! But I think we are all out of thrift stores now...


    Then after lunch it had stopped raining so we went to Old Tunnel state park. Only a 1 or 2 mile walk - it's a tiny place, made into a state park by virtue of having an old railroad tunnel in it that is home to several million (?)bats. And also in the tunnel are some beetles that process the bat guana. And are also flesh eating!!! It was well fenced off, but stank somewhat.
    NST April Spring #7; NSD 9/12; Ex 14/16; craft (12); remove 5 bagfuls (14)

    Mortgage £16,231 (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 13th Apr 19, 10:46 PM
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    apple muncher
    Dd:PG stands for Parental Guidance, right mum?
    Me: yep.
    Dd: That's pretty much all of life then, isn't it...


    Love her to bits!
    NST April Spring #7; NSD 9/12; Ex 14/16; craft (12); remove 5 bagfuls (14)

    Mortgage £16,231 (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 14th Apr 19, 1:53 PM
    • 2,517 Posts
    • 26,675 Thanks
    earthgirl
    Sounds amazing apple! Hope you enjoyed the park and museums.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again

    My Planner : https://youtu.be/nB8pejCDV1k

    10 Extreme Ways to Cut Costs: https://youtu.be/LGARCHqh4ME
    • apple muncher
    • By apple muncher 14th Apr 19, 7:59 PM
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    apple muncher
    V glad not to have been visited by a tornado in the night...


    Dd slept for about 11.5 hours - unheard of. It was a cold night that even had me needing a blanket at 5am.


    Did a home-made w/o:
    20x 10/35:
    rocket launchers (narrow to wide feet + jump up every 3rd one)
    shrimp(?) 1-legged squat R
    L
    Reverse lunge with kick up R
    L


    Twas enough to get the ticker ticking away hard!


    And we have been to see MIL, had lunch and been back into town. It's not far but there's no pavements for the first bit and it is rather a main road, so walking is out of the question. Dd got a colour-changing tee-shirt. We also bought 5 metal signs for the 4 kids and us.



    Soon, we're back out to the Rock - the sun is shining. Can't wait!
    NST April Spring #7; NSD 9/12; Ex 14/16; craft (12); remove 5 bagfuls (14)

    Mortgage £16,231 (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 15th Apr 19, 1:17 AM
    • 8,640 Posts
    • 66,278 Thanks
    apple muncher
    We had a good traipse around the state park - about 4-5 miles. We went up and down the rock again and then walked 1.5 miles to a viewpoint that was frankly rubbish! And back again. It was lovely to be out in the sunshine, doing something so physical.



    Tomorrow we are meeting a friend of MIL for lunch, then popping back to see her.


    Then packing.
    NST April Spring #7; NSD 9/12; Ex 14/16; craft (12); remove 5 bagfuls (14)

    Mortgage £16,231 (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 16th Apr 19, 2:42 PM
    • 8,640 Posts
    • 66,278 Thanks
    apple muncher
    Currently in San Antonio airport. We got here rather early, leaving Freds at 6.30am, but are glad to be here as we had no idea if traffic would be bad.


    Lots of waiting around will be done and a total of about 20 hours of travelling should get us home - depending on the M25 of course...


    I like that this airport has sockets on the seats for charging, and... bins (!) so we can dispose of rubbish. Easily pleased am I.
    NST April Spring #7; NSD 9/12; Ex 14/16; craft (12); remove 5 bagfuls (14)

    Mortgage £16,231 (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???
    • greent
    • By greent 17th Apr 19, 7:15 AM
    • 8,025 Posts
    • 81,371 Thanks
    greent
    Hope the journey home was without any problems 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) £1603.41/£5K
    Net sales 2019 £155.17/£500
    • apple muncher
    • By apple muncher 17th Apr 19, 12:16 PM
    • 8,640 Posts
    • 66,278 Thanks
    apple muncher
    Home, sweet home.


    It took us about 22.5 hours all-in. First thing we did? Went to bed for 3 hours!



    Dh has a coffee; dd is still sleeping - will give her extra; and a wash is on.


    We have come home with money, and paid for everything except the accommodation with cash, so I'm thinking it'll be simple to add up the total cost: flights + car + accommodation + cash taken - cash brought back.
    NST April Spring #7; NSD 9/12; Ex 14/16; craft (12); remove 5 bagfuls (14)

    Mortgage £16,231 (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 Apr 19, 5:28 PM
    • 8,640 Posts
    • 66,278 Thanks
    apple muncher
    Hmm, what to have for tea? Ate a lot of chicken whilst away. No onions or potatoes in.

    Opted for cooking up a couple of inches of chorizo and added carrot, tin toms, tin chickpeas, froz sweetcorn, froz spinach and a good shake of garlic granules. Part zapped it and ate with toast. Absolutely yummy. And 2 portions left .
    NST April Spring #7; NSD 9/12; Ex 14/16; craft (12); remove 5 bagfuls (14)

    Mortgage £16,231 (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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