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    • 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 Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage 3,000 ish (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 247
    • apple muncher
    • By apple muncher 10th Jan 20, 3:37 PM
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    apple muncher
    Although I didn't bounce elegantly, I do seem to have avoided all bruises. Surprising.

    I have had a hair cut and it feels great. Cost me 52 mind, so it jolly well should feel good... Then topped up with petrol as the prices are all over the place, so I wanted to get the other half of the tank filled as cheaply as poss. Still cost 30.

    And then I went to the gym. The brand spanking new gym that replaces the old gym. My monthly cost for membership is the same but now also includes classes (I think). Whether it does or not, the whole swimming experience is much improved and the gym is fab. It was rather funny watching all the peacocks or phone addicts there whilst I huffed and puffed away on a mat doing a sandbag Bodyrock workout (I couldn't manage the 400 reps that she did in 20 mins; but I managed a creditable 320 in 27 mins...) I have realised that I work myself much harder at the gym than at home. or at least I think I do. Maybe I just choose harder workouts...



    I'll confess to buying some protein powder . From liddle. Strawberry flavour. Hmm. Not cheap. But I've read that extra protein helps with the healing process after an op, so for 15, I reckon I'm worth it...


    I was out last night at a meeting, and only got home at 10.30. Ugh. But was still up at 6, go me.


    Dh informs me that the mortgage is around 2K.. So I'll keep diverting those overpayments into dd's savings. Can't do it online, so it is rather hit and miss as I need to have her passbook with me when I remember that I want to do it!


    I decided not to pop into sch today to collect my y11 mock papers. I'll prob not get them marked this weekend as it is much busier than I'd thought. Tomorrow we go to town to get dd's new specs, to pick up the shoes I ordered for mum, to visit primarni so dd can choose some things for her bday, to see if sainz has gf pizza bases, to pay some into dd's savings. We'll prob end up taking our lunch as none of us are up for an early start! Then straight to dance classes. Then on Sunday we're at church followed by bringing 2 friends back for dd's party in the afternoon. And dd has an after-sch rehearsal until 6pm today, poor thing...


    Enough wittering. Really, I'm just avoiding marking the speaking tests. I have started and done 3. I only have 9 in total. Procrastination and avoidance techniques are in high demand!
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage 3,000 ish (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 Jan 20, 3:56 PM
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    Karmacat
    That's a really good idea about the protein powder, though I'm not sure about the flavour
    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 Jan 20, 4:23 PM
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    apple muncher
    It was all there was . Originally they'd had choc too. Both sounded rather yukky, to be honest. I'd decided that if they had some in today, then I'd buy it. There was just the 1 tub of powder, but several tubs of 'meal replacement' which I did NOT want.


    It's the first time I've bought the stuff. I've not looked very hard, but if I decided to get more, I'd definitely want plain stuff that wasn't laced with sugaryness... And I can now compare the protein content with cottage cheese and do a price comparison. Cos the tub is derived form whey. (well, not the tub - that's plastic!) Oooh, am rather excited by that... cost per gram of protein
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage 3,000 ish (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 10th Jan 20, 4:25 PM
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    apple muncher
    But first, I really really must mark a bit more... only 4 left...
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage 3,000 ish (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 20, 2:35 PM
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    apple muncher
    I have made dd's bday cake. Phew.


    She's at a funny age where all she had on her wishlist was fimo and books. Yet she'd really like toys too. But has no idea which one(s)... She found no clothes she wanted/needed/liked in primarni, but we did get a HP satchely=thingy.


    Best go and collect her from dance. The venue got changed, so instead of being 3 miles away, it is just a mile up the road. Which meant that we were able to come home for lunch. Yippee! I drove her there, but said we'd be walking when I came back.
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage 3,000 ish (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 20, 4:41 PM
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    apple muncher
    The party has ended. Only 2 other girls. Both lovely. But it is so good to be just the 3 of us again...

    I did a workout this morning - just a 12 min one.

    Dh and I went into town after dropping dd at church (she didn't know about it) to find some bits and bobs for her bday. And we were fairly successful .


    I am not a fan of the decontamination lotion (!) I am having to use pre-op. I washed my hair last night and have just had to wash it again as it was quite skanky. Now it could be that my hair is much shorter and that I did a sweaty w/o this morning, but...


    Homework needs doing...
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage 3,000 ish (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 20, 5:59 PM
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    Karmacat
    Thats a nice little party - at that size, you're not going to get much early teenage hysteria Decontamination lotion, by the way - that sounds fairly unpleasant!
    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 13th Jan 20, 7:54 PM
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    apple muncher
    Dd has had a great birthday day. She opened some presents at 6.30 and saved the rest for when she got home. She also had a phone call from her big sis in Canada and my big sis in power-cut-central, both of which were lovely.


    I skedaddled out of work and drove to have my blood leeched/leached? from me. I was chuffed to find a parking spot near the hosp. And the blood people are super efficient. And my lovely blood-sucking lady wished me well with the op, which was delightful of her.


    Plenty of walking today, esp as dd texted to ask me to walk up to meet her after school. I got 3/4 of the way there, as she'd dallied in one of the shops! So I've got up to around 16k steps.



    Tomorrow has a big list including a foodbank shop, a neighbour shop and an 'us' shop; a gym visit; marking (still got some speakings, and have added reading and writing to the pile. At least I found the 'safe place' where I'd put the marked listening papers...); then report writing; and swimming...


    But for now, I'm sitting with dd and we can both read and relax
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage 3,000 ish (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 20, 11:58 AM
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    apple muncher
    Got dd up early again. But not to open presents this time. Instead, she had to finish the History hwk we discovered last night. It was not on the system and we only came across it as dd had to stick some papers into her book...

    I got all the shopping bits done and then trotted up to the gym. Not many peacocks today but I did notice a couple of chaps who were only doing arm-expanding exercises. Maybe it was their 'arm day'... The spin group could obviously only function with high decibel music playing, for the instructor to yell over the top of...

    Me? I did a 'proper' workout that left me looking like a beetroot: this: without the attached anger. Ironically, it's called 'fcuk the gym workout'. I also added an extra 4 mins of skipping + reverse push ups.


    I had a go on the super duper measure everything machine. Ooh, I could've played with it for hours! The good news is that my visceral fat is 8 (%, I think) and it's good to have it between 1 and 12, so I'm pleased with that. It also showed you muscle per limb and all sorts of other stuff I can't now recall.


    May I publicly announce that I have finished marking the speaking tests. A round of applause please.... now to have an early lunch and then do the reading papers...
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage 3,000 ish (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 20, 1:33 PM
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    Karmacat
    applause as requested for finishing the marking




    even more applause for the figure on visceral fat!
    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 Jan 20, 7:28 PM
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    apple muncher
    Thank you, karma! Did you notice my failure to even hint at the other sort of fat...? Or weight...?! Or the dreadful bmi...

    This evening I have (re)discovered that those pesky 12 min workouts leave their mark. Not always immediately (apart from a red face), but several hours later, it's like the muscles go, 'Wait. What? What did you do to me?' And they start to rebel!

    That history hwk? Wasn't a hwk. So we are one up there...


    Dd got home in such a state today that we didn't go swimming. An early tea with lots of food seemed to sort her out.


    All my marking is done. Yay. Tomorrow I must must must write the reports. Cos goodness knows what I'd write after the anaesthetic...! Might make entertaining reading, but probably wouldn't go down well...
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage 3,000 ish (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 20, 8:58 PM
    • 32,904 Posts
    • 194,638 Thanks
    Karmacat
    Thank you, karma! Did you notice my failure to even hint at the other sort of fat...? Or weight...?! Or the dreadful bmi...
    Originally posted by apple muncher
    Step by step, apple - visceral fat is genuinely important!

    This evening I have (re)discovered that those pesky 12 min workouts leave their mark. Not always immediately (apart from a red face), but several hours later, it's like the muscles go, 'Wait. What? What did you do to me?' And they start to rebel!
    Awww. You're getting tough, though
    Dd got home in such a state today that we didn't go swimming. An early tea with lots of food seemed to sort her out.
    Adolescence. Girls have hollow legs as well as boys
    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 17th Jan 20, 10:16 AM
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    apple muncher
    I am hernia-repaired at last. I was cancelled on weds and eventually 'done' about 24 hours later. So I am home and resting, but trying to also keep moving. Awake but also not-quite-there. So sleepy but not enough to doze off.


    The joy of having a general!
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage 3,000 ish (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 17th Jan 20, 10:25 AM
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    Karmacat
    I'm glad its done! How come you're keeping moving on purpose? How many stitches do you have? Remember that a general anesthetic takes about a week to fully leave your system ...
    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 17th Jan 20, 12:39 PM
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    apple muncher
    I think that keeping moving helps the body repair itself. Also, as it's on my abdomen, then walking about means that the wound gets less scrunched up. Really though, all I'm doing is trying to drink a lot and then need the loo! I don't know exactly what they did - my discharge nurse was rather unforthcoming with info and I wasn't in a state to ask anything. I think they stitched the hernia gap together with permanent stitches and attached the mesh over the area (more stitches?) and sewed up the incision (too far form the belly button to go in through there) with dissolving stitches. So, I've absolutely no idea of the total!

    I have had a doze during bake off and am now sat up until that's too much and I'll lay down again!

    I did have breakfast around 8am, as I'd not eaten for 26 hours and thought that I should. Dh is currently boiling me some eggs so I can make egg mayo sarnies later.

    Overall, I'm much more mobile than I expected to be. Thought I'd have real issues with getting from laying to upright. I guess that so many toilet trips in the night, when still under the stronger effects of the anaesthetic taught me the best way to do it... I'll keep on taking the painkillers though - they did give me a 7 day supply!
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage 3,000 ish (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 17th Jan 20, 4:57 PM
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    Karmacat
    It sounds like you're doing great, and also that you're following your intuition, which is even greater
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • CathT
    • By CathT 17th Jan 20, 6:45 PM
    • 6,314 Posts
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    CathT
    Wishing you a speedy recovery Apple xx
    Jan 2020 - part 1 - 64,504 part 2 - 41,143
    Total - 105,647 94 months to go!
    • apple muncher
    • By apple muncher 17th Jan 20, 7:56 PM
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    apple muncher
    Am hoping for fewer toilet trips in the night tonight... I know dh would appreciate not being disturbed every 75mins or so...

    That new super super gym are raising my monthly fees. From about 26 to about 36. That is a lot. I had thought that existing members might be allowd to continue on their current price... Silly me! So I'll have to make doubly sure that I'm getting value from it, as I don't think I was getting my money's worth at 26... But that is a plot and plan for another day.

    My quest for the rest of Jan is to start mending, eat well, and keep moving and possibly exercising the bits of me that I can. Though when the wound is on my torso and I can't bend, then I'll have to be creative! I'm also aware that it may hurt more over the next few days before improving... Ah well, I have nice painkillers .
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage 3,000 ish (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 18th Jan 20, 4:01 PM
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    apple muncher
    Nice painkillers! The included paperwork says 1 tablet every 4 hrs unless otherwise directed. I'm on 2 every 4 hrs for 7 days! Am feeling the need for them more today.


    Realised that I have no instuctions on the dressing and the removal/replacement of it, so I've had a peek! What I thought was the dressing is a covering over the steristrip thingies (?) that are holding the would closed, I think. Prob best to wait until Mon and try to see the nurse at my dr's... and see what they say to do...



    Am making sure that I straighten my torso more regularly today than I did yesterday. It does pull, but better that than being scrunched up. And I'll sleep with 1 less pillow tonight so I'm just that little bit straighter.
    NST Jan Questor #1; NSD 6/15; Ex 9/21; remove items 72; 0 bagfuls (51)

    Mortgage 3,000 ish (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 18th Jan 20, 8:18 PM
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    Karmacat
    Apple, is there any advice on the NHS website about wound healing? How to make it as fast and neat as possible, that sort of thing? I hope you sleep well tonight
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
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