our forever patch challenge

sammy70 · 23 April 2015 at 9:16PM

you will get there Luckyinlife ! Every thing is possible if you want it badly enough and are prepared to work and save for it (and with luck on your side!;)) is my motto!:)

sammy70 · 28 April 2015 at 8:24PM

Pay days are here,heres what we have done today-

Paid c.card off in full, this was for- years mot, work on car, cost of paint etc for decorating living room/stairs, and summer clothes for hubby - no p.bonds/savings due to these expenses :mad:

next months budget worked out

Grocery order done for this week- keeping in budget

Meal plan for next 7 days done

Its now 15 months until our fixed rate ends, and we can clear this mortgage, get house on the market, and start looking for our rural home :j

Luckyinlife · 28 April 2015 at 9:45PM

really exciting times sammy i bet you cant help but to look now hehe

sammy70 · 1 May 2015 at 11:41AM

thanks for dropping by lucky! yep you are right, i cant help but torture myself trawling property sites every now and then!

Ive done this months budget, and im hoping to make/exceed all our savings targets this month to make up for Aprils outgoings that meant we didnt save that month.

I have set grocery targets, and intend to keep within budget, all small savings from this will go to our forever home fund/Premium bonds.:)

Im off work now until wednesday, we have a few frugal treats in store, the main thing is quality time together with my husband , making plans for our future rural dreams while strolling in the countryside is my idea of heaven :happylove:)

hildosaver · 1 May 2015 at 11:51AM

You have sparked my interest in Premium Bonds! Might need to look into it more as I haven't even considered it before now!

sammy70 · 5 May 2015 at 8:54PM

Hi Hildo! as you can tell,im a real fan of p.bonds! And i can report, we have won another £25 this month :j which is going straight to our house fund

Im back to work tommorow,

This is my money saving plans for this week-

Meal plan done for next ten days

pay p.bond win to house fund :T

Stick to grocery budget (ive come under last 3 weeks!) Any savings from this go to mortgage/house savings after budget done on pay days

Get back on diet, both hubby and i need to shed some 11Bs!!

Hey ho, setting alarm, sleep time as up early for work!

sammy70 · 6 May 2015 at 8:10PM

Had a NSD, stuck to meal plan

Hubby and i are determined to have £40,000 in premium bonds by xmas, we have set ourselves the challenge! We also have a loan to pay back with a balance of £3,900, this was money from hubbys parents , they helped him when he was going through tough times in the past when he was going through a divorce etc, we want this cleared before xmas 2015 also, so a total of £13900 by xmas 2015!!:eek:

We will do this (hopefully) with careful budgeting, overtime, and being as sensible with our cash as possible, but still having the occasional treat along the way:):)

Day one of our challenge!!:j

sammy70 · 7 May 2015 at 7:44PM

im feeling really positive about our goals, and now we are down to the last 15 months of our fixed rate, and paying this mortgage off in full, and getting it on the market is getting closer, we are starting to get really excited about the sale/house move :j

Today, i've only spent £2.50 on bread, bread cakes and heat mag for the tele guide, so on track for our grocery budget still for this week:)

Ive just been calculating savings , and we are on target to meet all our other savings goals in 2016 too, all our hard work and frugal ways are paying off!!:beer:

sammy70 · 9 May 2015 at 11:03AM

This weekends plan- complete housework this morning and a couple of loads of washing- done- lets hope rain stays away

Visit grandma- my parents are away, they usually do saturday meal for her, as no meals on wheels today , but i've had this job for the last couple of weeks, and checking on parents home/garden

Walk doggy, then call at tesco for saturday night treats :T

Snuggle with hubby after bath, and watch dvd- my favourite time of the week

:)

Ive been on zoopla looking at smallholdings- torture!! can wait till we can start looking for real , hopefully 15 months time

:):):) we are so full of plans, but until we know if/what hubby can borrow we are in limbo

sammy70 · 13 May 2015 at 8:08PM

so far this week is going ok, budget for groceries still going great, if i can carry on this well, im going to adjust the overall grocery / misc spends budget, i hope a reduction of £50/£100 a month, this can be then added to our savings monthly target

our forever patch challenge

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