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  • FIRST POST
    • sammy70
    • By sammy70 24th Sep 13, 4:58 PM
    • 482Posts
    • 1,313Thanks
    sammy70
    our forever patch challenge
    • #1
    • 24th Sep 13, 4:58 PM
    our forever patch challenge 24th Sep 13 at 4:58 PM
    well, this week sees the new start to my mortgage free plans. After 18 months clearing debts, then paying for our wedding, which took most of our hard earned savings, we are at the beginning again.

    Due to restructure at work, OH is on a reduced monthly pay, so the savings are even more of a challenge!
    Our plan is over the next two-three years, build up savings , and make over payments, untill we have enough saved to clear the outstanding balance owed on our mortgage, then sell this house, and use the sale proceeds as deposit on our "forever home", we really want somewhere with an acre or so of land, to allow me to have my own horse again, and OH to have garage/workshop he has always wanted.

    we both get paid this week, i will open new savings online, and let the challenge to get our new home begin!, we get married on Friday, this will be the start of our married life adventure too, !!
Page 3
    • lilyp
    • By lilyp 3rd Nov 13, 4:06 PM
    • 267 Posts
    • 714 Thanks
    lilyp
    Understood. Very sensible way of approaching it all. I guess I am thinking along the same lines (although saving quite a bit less than you) with me on maternity leave if bf should lose income would be a bit of a disaster.

    Very excited to see how you get on.
    • sammy70
    • By sammy70 3rd Nov 13, 4:53 PM
    • 482 Posts
    • 1,313 Thanks
    sammy70
    When is your baby due? I think most people are still nervous about job security at the moment. Its tempting to throw every thing at the mortgage, but we both work for the same company, and we decided to save and pay off in one large payment, and by then our emergency fund will also be in place (hopefully!).
    Then we will dive right back in when we buy our hopefully forever home!
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016-16th dec 2017 =£6158.63
    mortgage balance of currently = £229,000:eek 16/12/2017
    • sammy70
    • By sammy70 5th Nov 13, 8:25 AM
    • 482 Posts
    • 1,313 Thanks
    sammy70
    morning everyone!

    made my first over payment of the month, £11.86 which was odd amount from our bill account.

    Ive had a naughty pig out out long weekend as me and hubby booked a couple of holiday days off , for my birthday. he had to go to work today as he was booked on a training course, im back tomorrow .

    Going to have relaxing day, may have a long soak with lush bath bomb (birthday gift), read my book ! then long walk with my little doggy (naughty cocker spaniel).

    Tomorrow, back to concentrating on money saving , and at least 5 days sensible low calorie days!

    x sammy x
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016-16th dec 2017 =£6158.63
    mortgage balance of currently = £229,000:eek 16/12/2017
    • lilyp
    • By lilyp 5th Nov 13, 9:33 AM
    • 267 Posts
    • 714 Thanks
    lilyp
    When is your baby due? I think most people are still nervous about job security at the moment. Its tempting to throw every thing at the mortgage, but we both work for the same company, and we decided to save and pay off in one large payment, and by then our emergency fund will also be in place (hopefully!).
    Then we will dive right back in when we buy our hopefully forever home!
    Originally posted by sammy70
    Baby due in January

    I agree. It's still tough out there and I can't see it hitting the heady heights of pre recession for a long time if ever. With little one coming I have to reduce the risk a bit.
    • sammy70
    • By sammy70 5th Nov 13, 10:05 AM
    • 482 Posts
    • 1,313 Thanks
    sammy70
    Hi Lilyp.

    My "babies" are 20 and 23 now, when they were babies and probably up to the youngest being 11/12 i just couldnt have afforded to overpay/save,as i was in a relatively low paid job, without any support from their father, i just concentrated on paying bills and dreaming of owning my own house one day!

    I only bought this house 9 years ago, and since then ive tried to make small overpayments when i can. Its only since my youngest started a full time job and then they were both financially independant that ive really got stuck in to clearing my mortgage in earnest. And a couple of years ago i met my now lovely husband, who thankfully is totally on the same page financially, he is happy to let me organise all the finances, and wants the same things, i.e rural living/pay off this mortgage to allow us to use the sale proceeds as deposit on our forever home.

    You are doing really well to have started on your journey early, things may not be as easy with a young one to look after, but in my experience, if you are focused, determined , and have a budget plan for spending and saving, you can achieve your goals.
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016-16th dec 2017 =£6158.63
    mortgage balance of currently = £229,000:eek 16/12/2017
    • sammy70
    • By sammy70 8th Nov 13, 2:58 PM
    • 482 Posts
    • 1,313 Thanks
    sammy70
    yey its friday!
    hope everyone has a lovely money saving week end!

    My budgets all going well at the end of week one, not saved much from grocery spends, but stuck to within the budget!

    Week 2 plans- stick with £120 grocery budget for everything, including food for all 4 of us for pack ups for work.

    Get xmas shopping completed within the budget, anything left straight to mortgage!

    x Sammy X
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016-16th dec 2017 =£6158.63
    mortgage balance of currently = £229,000:eek 16/12/2017
    • sammy70
    • By sammy70 9th Nov 13, 10:27 AM
    • 482 Posts
    • 1,313 Thanks
    sammy70
    morning everyone!

    Off to mr T, hoping to have small shop this week, really need to defrost my freezer, so trying to run it down, will try to resist too many fattening " treats" too, as gained 2lb this week through eating c**p!

    Will make small overpayment with any money saved from grocery shop this week as incentive!

    Had a rubbish stressful few days at work, so going to try and relax this weekend and not dwell on annoying things that i cant change there, i do tend to dwell on issues at work too much, wish i was one of those people who forget it all as they walk out of the door at the end of the working day! i suppose this sort of thing is another incentive to be mortgage free..
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016-16th dec 2017 =£6158.63
    mortgage balance of currently = £229,000:eek 16/12/2017
    • sammy70
    • By sammy70 10th Nov 13, 7:03 AM
    • 482 Posts
    • 1,313 Thanks
    sammy70
    Good morning everyone!
    im up bright and early as i dropped hubby at work at 6am, tho when i say up, im actually back snuggled in bed with lap top, determined to try and relax a bit this weekend..

    Shopping went ok yesterday, £99 spent after i used £20 of vouchers.
    £35 left in shopping purse to last until Thursday.. Whatever i dont spend of this will be directed to the mortgage.

    X Sammy x
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016-16th dec 2017 =£6158.63
    mortgage balance of currently = £229,000:eek 16/12/2017
    • newgirly
    • By newgirly 10th Nov 13, 8:48 AM
    • 5,903 Posts
    • 40,652 Thanks
    newgirly
    Hi sammy happy birthday for last week
    MFW 21
    Target for 2017 £38,545 / £17,514.78 paid so far

    Mortgage £47,354 years 8 months left. Total owed £62,871.22 planning to clear in 18 months
    Weight loss target 37lb/22lb gone.
    • sammy70
    • By sammy70 10th Nov 13, 4:47 PM
    • 482 Posts
    • 1,313 Thanks
    sammy70
    thank you Newgirly, it was a lovely relaxing day!

    its funny having bonfire night as my birthday,as i never go out as i cant leave poor terrified pets! I,m not a big fan of fireworks really, they seem to start weeks before and go on for weeks after the day, they are a menace to pet owners really,and to other people im sure. im not a party pooper, but one night is enough!

    X Sammy X
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016-16th dec 2017 =£6158.63
    mortgage balance of currently = £229,000:eek 16/12/2017
    • sammy70
    • By sammy70 11th Nov 13, 3:12 PM
    • 482 Posts
    • 1,313 Thanks
    sammy70
    not a lot to report today!

    a NSD, still have £35 in shopping purse, and £25 spending money not touched, but my hair is desperate for colour and cut, so my spends will go on that..

    Off for walkies with my little spaniel. Have a lovely MFW day everyone..

    X Sammy X
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016-16th dec 2017 =£6158.63
    mortgage balance of currently = £229,000:eek 16/12/2017
    • sammy70
    • By sammy70 12th Nov 13, 9:09 PM
    • 482 Posts
    • 1,313 Thanks
    sammy70
    hi everyone,
    Had an awful day! took my lovely wedding dress and 2 x coast dresses that my daughter and stepdaughter wore as bridesmaids dresses (cost £185 each) for dry leaning last week. Went to collect them today, and after checking found black stain all over the inside of my daughters dress, completely ruined! the lady in the shop was rude, said it was my fault as a tag must have caused it (no tag to be seen). i was really upset, she demanded payment for my dress and the other undamaged dress so i could take them, and reluctantly said she would "have a go" at sorting the other! im gutted, those dresses were gorgeous, and i was going to sell them and give the girls the cash as a treat. Now i just dont know what to do!

    so upset at this rude woman, who was going to let me leave with the dresses without even letting me know the damage she had done, it was only by chance i even checked that dress! she then proceeded to get money for other dresses by saying the owner would go mad if she let me take the other dresses without paying, only after i said i was going to small claims court and wanted name and address of owner, did she then admit she was "part owner"!
    god, is there no where with good customer service anymore!

    X a very sad fed up Sammy X
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016-16th dec 2017 =£6158.63
    mortgage balance of currently = £229,000:eek 16/12/2017
    • linz
    • By linz 12th Nov 13, 9:48 PM
    • 1,587 Posts
    • 4,294 Thanks
    linz
    God she sounds horrible- can you lodge a complaint with her manager? Or is she the owner of the whole place?

    Sorry about your bad news. I'd be tempted to write to your local paper if she was so rude. Whatever happened to the customer being right? Threaten to name and shame!
    • lilyp
    • By lilyp 12th Nov 13, 10:59 PM
    • 267 Posts
    • 714 Thanks
    lilyp
    That is awful customer service. If she had been a clueless employee it would be bad enough but to be the owner and not only lack the integrity to admit to the problem but to to lie about who she was to get money. Really really shocking and not to be trusted. If that dress is not spotless I suggest you ask to be reimbursed for the cost of the dress or at least the resale value. If she refuses then small claims it is.
  • 115K
    What an awful woman.
    HOUSE MOVE FUND £16,000/ £19,000
    DECLUTTERING 2015 439 ITEMS
    “Don’t let your happiness depend on something you may lose.”
    • sammy70
    • By sammy70 13th Nov 13, 7:21 PM
    • 482 Posts
    • 1,313 Thanks
    sammy70
    Thank you guys, im still really upset about this. Ive decided to call Monday, if the dress isnt back to the condition it was in when i took it, im asking for the cost of a new dress, otherwise i will take it to small claims , and local paper if she is as rude again. I cant believe people like this own and run small businesses!

    xsammy x
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016-16th dec 2017 =£6158.63
    mortgage balance of currently = £229,000:eek 16/12/2017
    • ALIBOBSY
    • By ALIBOBSY 13th Nov 13, 7:32 PM
    • 4,422 Posts
    • 16,453 Thanks
    ALIBOBSY
    I think if it went to court the judge would look at a second hand dress as not being worth as much as a new dress, but I would start out asking for the full amount and be prepared to settle for a bit less if they offer.
    Hopefully the other owner maybe in and be easier to discuss things with.

    Or maybe they will have got the stain out. Although most places don't actually clean the stuff themselves, it is sent out to a factory type place and returned to them.

    Good Luck
    Ali x
    "Overthinking every little thing
    Acknowledge the bell you cant unring"

    Make up to £10 a day-November £610.22/£750

    Make up to £10 a day-December £73.84/£620
    • sammy70
    • By sammy70 14th Nov 13, 7:41 PM
    • 482 Posts
    • 1,313 Thanks
    sammy70
    thank you alisbobby. Il take your advice, and let you all know next week the out come.

    Any way, on a more happy note, over paid £10 yesterday, and another £30 earned in over time to cover this weeks fuel costs.

    Off for a nice soak with my book.. have a peaceful evening all!

    X Sammy X
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016-16th dec 2017 =£6158.63
    mortgage balance of currently = £229,000:eek 16/12/2017
    • sammy70
    • By sammy70 18th Nov 13, 8:13 PM
    • 482 Posts
    • 1,313 Thanks
    sammy70
    a new week!
    happy Monday!

    collected dress today, they managed to remove the black marks thank goodness. Wont be using them again regardless!

    Had a bit of a cr*p week last week with one thing or another causing stress, determined to try and relax this week, and take things in my stride. Poor hubby fed up with work at mo which doesnt help..

    On a happier note, we look like all savings targets will be met this month, just keeping fingers crossed we can make at least same as last months overpayment to the mortgage as well !

    Still not completed xmas shopping! really must sit down with hubby in next few days and complete gift buying. Not going crazy, just a few small inexpensive gifts for close family only..

    Pay days next week, looking forward to the savings update!

    X Sammy X
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016-16th dec 2017 =£6158.63
    mortgage balance of currently = £229,000:eek 16/12/2017
    • sammy70
    • By sammy70 25th Nov 13, 8:12 PM
    • 482 Posts
    • 1,313 Thanks
    sammy70
    Nearly pay day!
    Hi every one, a new week, and its hubby and my pay week.. Ive been doing calculations, and with overtime we have both done, we should be able to make a decent mortgage overpayment, as well as make all savings targets!..

    Its been a tough month, i think shorter dark miserable drizzly days always get to me..

    Had a lovely long walk yesterday, cant wait till we can move to our rural forever home, our dream is to walk out into countryside without packing the dog into the car first.

    oh well, it will be worth the wait and hard work..

    X Sammy w
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016-16th dec 2017 =£6158.63
    mortgage balance of currently = £229,000:eek 16/12/2017
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