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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 October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage 15,451 (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 227
    • apple muncher
    • By apple muncher 9th Jun 19, 7:13 PM
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    apple muncher
    I managed to stay up until 9.45. Go me, being a grown up. Then dh woke me at 6.15 thinking it was Monday and I'd overslept. For once, I'd turned my alarm off and had planned a lie-in! I did manage to doze off again and got up an hour later.

    Dh and dd trotted off to church and I got my y10 papers all marked, which took a few hours. I also did some other marking today. Not nearly as much as I'd hoped, but I'm down to 21 for that centre, meaning that I've done 50 in 3 days with a squiffy head. I'll take that. 'Just' 45 in total to go... If only I'd had the lost days, then I'd have finished by today. But then other things probably wouldn't have got done...



    Tomorrow is my manic Monday. Ugh. Then a 54-hour hiatus, then back to manicness, to finish my reports by Friday, and as much of the markingas poss. I can take none of the marking with me, as it is online and needs a v secure connection. So am looking forward to some enforced time off. Though, of course, I have plans as to how to fill my time, including going to see the place I spent my first 5 years of life, using the gym, reading. For once, I'm not taking any knitting with me...
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage 15,451 (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 10th Jun 19, 4:03 PM
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    Karmacat
    Time off is always good! Sounds like you're going to take proper advantage of that for once, good news.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • apple muncher
    • By apple muncher 10th Jun 19, 8:47 PM
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    apple muncher
    Am all arrived and in my jamas in a dry Manchester. It was so funny at Euston as when the platform was announced, about half the people on the concourse legged it towards the gates! I kept to a more sedate fast walk, trying not to trip people up, and still bagged myself a seat on a very full train - it's the first off-peak one, so everyone wants it.


    The day at work was rather hard, as it rained so much the pupils were cooped up all day. However, I got done what I needed to and the rest'll wait until Thurs.



    I hope to use the gym tomorrow morning. My meeting starts at 10am, and is about 15 mins walk away, so I reckon I've plenty of time to sweat, shower and eat my brekkie beforehand.


    Off to peruse my magazine. Luxury!
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage 15,451 (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 Jun 19, 7:25 PM
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    apple muncher
    I did indeed go to the gym this morning, and did ZCUT KB #1 using 2x 6k dumbells.

    The meeting was fine. The lunchtime food was yummy. And their gf dessert was like melt-in-the-mouth choc orange. Scrumptious!

    I then trotted off to Stockport. Where it pelted down. And the walk was 35+ mins from the stn to the house. I 'felt' the recognition of the street and I was able to take a photo of the house - I reckon it's still the same garage behind it! I have a postcard with 5 pics on it, 3 of which I found and took my own photo of. And I took an extra photo of the hedge where I found a 'gold' watch when I was 4 or 5. So I am very very glad that I made the effort to go.

    However... even dh's goretex waterproof coat was not waterproof enough in the end. Just on the nape of the neck. So by the time I was back at the station, I was both soggy and chilled. And now, an hour later, I'm still cold, even with the bedspread draped over me! Brrr. I may just get into bed...
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage 15,451 (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 Jun 19, 8:17 AM
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    Karmacat
    I hope you *did* get into bed there and then, apple. The trip sounds great - I went to see the first house I remember as a child in Liverpool, a lovely solid end-of-terrace, and I wanted to see the back entry, which all the back doors of the yards opened on to, but it was gated off (to prevent drug abusers using it, sigh ....). House looked great tho! Hope you can get a bit more reading done today before plunging back into the busy-ness
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • earthgirl
    • By earthgirl 12th Jun 19, 1:54 PM
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    earthgirl
    Hotel stay sounds good. Glad you enjoyed the trip down memory lane.
    15/5/12 Paid off Mortgage 1 (220k) Bought Dream House Dec 13 - Mortage 2 -116,508. 15/7/18 Mortgage Free Again

    Progress not Perfection
    • apple muncher
    • By apple muncher 12th Jun 19, 6:59 PM
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    apple muncher
    I'm so pleased I made the effort to go, and then to wander up and down in the rain and take the photos. It was well worth getting cold and soggy for.

    Today's meeting finished nice and early, and my trains all ran smoothly, but I still wasn't home until 6.15pm. Dh had cooked, so sausage and mash it was. Yummy.

    And, during a break, I managed to slip on the dining area tiles and twist both knees and bruise the heel of my right hand. They did have a wet floor sign up; it was just one of those things. They brought me a massive load of ice cubes to put on my knee, as only 1 knee hurt at first. Then I realised that I'd also hurt the other one, so also used it on that one. Now that I'm home and I've had a chance to look, both knees are very swollen up and the right one won't bend much at all. We'll see what the morning brings... I'm only working half the day, so I should be able to manage it...


    But before all that, I went back to the gym and did ZCUT kettlebell workout #3 with a 10k dumbell. And had breakfast with a friend I'd met at the meeting last year. We were nattering so much that we were almost late for the meeting!
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage 15,451 (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 Jun 19, 4:47 PM
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    earthgirl
    Oh no sorry to hear about the fall. Hope it's a bit better today? Although will probably get worse before better...
    15/5/12 Paid off Mortgage 1 (220k) Bought Dream House Dec 13 - Mortage 2 -116,508. 15/7/18 Mortgage Free Again

    Progress not Perfection
    • apple muncher
    • By apple muncher 13th Jun 19, 7:30 PM
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    apple muncher
    I work with some adorable kids! One girl insisted on giving me a hug to help me feel better. They were all appropriately sympathetic on hearing why I was going soooo slowly and carefully.



    Though both knees were rather ballooned up and achey this morning, they have eased up a little now. I have only done 4000 steps and 12 flights of stairs, which shows how careful I've been. I didn't sleep well last night, so I'm all tired out now and hope for a better night tonight.


    No work tomorrow, but an ever-lengthening list... Nowt new there, then!



    I have finished the bulk of what I had left from the hitches; just the last quarter left for tomorrow. Plus admin. And sch reports. And important emails. And washing. And getting to the post office.


    Simples...
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage 15,451 (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 Jun 19, 12:15 PM
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    apple muncher
    I slept sooo well.



    I've done the PO run, sch reports, washing and important emails. And a little bit of the hitch.


    All good so far!
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage 15,451 (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 Jun 19, 12:17 PM
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    apple muncher
    And only one and a half balloons for knees.
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage 15,451 (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 Jun 19, 6:05 PM
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    Karmacat
    You have my sympathies! I'm on my knees quite a bit in the house at the moment, sweeping at the sides of furniture, and I'm carrying about an old piece of neoprene, from camping-mat days it makes a great kneeler.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • apple muncher
    • By apple muncher 14th Jun 19, 6:42 PM
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    apple muncher
    I can't kneel! And have to be super careful not to favour the worse knee, as that will stop the not-so-bad knee from healing up! The worse knee can't bend to 90 degrees, it's that swollen up.

    Finished 11/24 of the hitch. I'd love to complete it tomorrow... Dh is off to Dunsfold for the final airshow this weekend - he's a volunteer - and will have the car. So dd and I are on the buses for dance tomorrow and church on Sun - where I'm also on kids klub so need to get there super early. And I start my senior role of sorting other people out tomorrow too!

    But it'll be less busy than last year when we had sdd1 + family over from canada and sdd2 from Oz... Or so I hope!
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage 15,451 (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 15th Jun 19, 6:39 PM
    • 2,731 Posts
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    earthgirl
    Gosh so sorry to hear about your knees. Pleased you are taking it slowly.
    Good luck with all the jobs this weekend.
    15/5/12 Paid off Mortgage 1 (220k) Bought Dream House Dec 13 - Mortage 2 -116,508. 15/7/18 Mortgage Free Again

    Progress not Perfection
    • apple muncher
    • By apple muncher 15th Jun 19, 7:50 PM
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    apple muncher
    Weekend day 1 has gone well. Dh dropped us at sainz on his way to the airshow, so we spent our 41.80 quickly and caught the bus home. We made it to dance on time and I managed to bump into the friend there who is having a tough time and get caught up on her news. I had a chat with a homeless man and found out that he has a weekday place to sleep in his tent and a weekend place, plus a place to shower and change once a week and play chess. Marked a few of my hitchette - just 4 left. Then spent aaaaages phoning people about their performance. 5/7 done and 1/7 has also done the next level. I am all talked out, as each conversation took about 30 mins.

    Dh is out for a meal. He seemed surprised when I said I couldn;t go, nothing to do with not wanting to go!


    And tomorrow, he will drop us at church before going to the airshow, even though it's the wrong direction. He is lovely . And that'll save my knees a lot of walking.
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage 15,451 (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 16th Jun 19, 9:52 AM
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    Karmacat
    Hope your knees are healing a little bit today, apple, that sounds really tough, and the amount you're fitting in sounds tough too.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • apple muncher
    • By apple muncher 16th Jun 19, 6:38 PM
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    apple muncher
    It has been a lot to fit in this weekend, karma. But it has all been done. Phew. Wish I now had a day to recover!


    We also made dh a father's day cake, which we all ate warm, with ice cream. Yum.
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage 15,451 (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 Jun 19, 6:47 PM
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    apple muncher
    Ooph. I was glad to finish work today. Nothing bad happened, it was just hard to keep going with gammy knees.


    Anyhow, somehow managed to empty a 'wardrobe' (cupboard) with a colleague's help, wiggle it out of its home, wiggle my new and bigger and nicer wardrobe into the freed-up space, slot in the 4 moveable shelves and put in the stuff removed from the other one.


    Yes, it was a big effort, but I am so pleased to have it done. And the colleague's motivation for helping was that she could then have the old wardrobe. Win win.


    Since getting home, I've done no marking whatsoever. Oops. And that was when I realised just how tired I am. So, a night off tonight, and I'll start on it tomorrow. Procrastination rocks!
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage 15,451 (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 19th Jun 19, 7:46 PM
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    apple muncher
    V glad to only have 1 more half day at work. Not being able to move freely is tiring.

    Did our 2nd liddle shop, using the 5 off vouchers, so in reality we got 8 off a 40 spend. Nice.

    Took another bag to the sally army, so 3 so far this month.

    I was much later home than anticipated, then had to meet dd from sch, then I'd forgotten that we were going to go to town to get her new trainers. MnS had sch shoes, crocs and nix; sp0rts d1rect had trainers. I'm now 75 lighter. And after all the walking, my knees are protesting...


    However, my mile-ometer (odometer?) now reads 56789, so I'm well happy .
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage 15,451 (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 20th Jun 19, 8:39 PM
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    apple muncher
    The paperwork I'd ordered on the 14th finally arrived yesterday, so I was able to copy stuff up on to it. The deadline is tomorrow, so I think the time taken for sending out of the papers was pretty poor. And it's just as well I realised I needed it then, and not a day or two later...


    So tomorrow I can post all the gubbins off and be finished with it, hitches and all. And focus on the next stuff. Which is going quite well.


    Tomorrow has a big list. Some are needing doing as they relate to Sat (school fair + scout activity with bonfire), out from 9-6ish. Or Sun when dd is off to a party so I need to make her a choc cake to take along. We got the present in the D1sney store: practically perfect in every way bath salts + Mary Poppins mug + gift wrap, sprinkles and a gift box = under 9. Bargainaceous.


    So, fair prep, party prep and marking probably sums up 90% of the list!
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage 15,451 (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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