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  • FIRST POST
    • sammy70
    • By sammy70 24th Sep 13, 4:58 PM
    • 471Posts
    • 1,274Thanks
    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 26
    • sammy70
    • By sammy70 26th May 17, 6:08 PM
    • 471 Posts
    • 1,274 Thanks
    sammy70
    Thanks for your lovely comments Tryharder, I must admit, the novelty of looking out onto, and walking around our little rural oasis never gets boring, we absolutely love it here, all the hard work was worth it

    Tonight ive done the June budget, and all cash left ovr after bills have been accounted for has been divided into savings pots, including another £150 mortgage overpayment, which means the new mortgage balance is £238,200

    Total over paid to date from november 2016 =£2,382.37

    This week we have had the delight of honeybees emerging from our living room chimney i spent last night waiting as another emergd, then catching it in a glass, and releasing it out of the window.. on sunday, we came in after working outside, to find approx 5o bees on the window sill, which we managed to get outside, the poor things were all sooty.. dont know how many more, if any, will emerge, its all quiet tonight, i hope they have all gone! the joys of country living
    current official end date of mortgage= 2037-aiming for 2030

    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 25th nov 2016- oct 2017 £4,850.62

    balance of mortgage currently = £231,900:eek 11/10/2017
    • sammy70
    • By sammy70 27th May 17, 11:01 AM
    • 471 Posts
    • 1,274 Thanks
    sammy70
    The weekend is here, and we have a couple of days off work next we , not back until thursday

    Today im doing household chores, then getting outside for a meander with doggy, followed by more weeding etc..

    If the weather stays as glorious into the evening, im planning on sitting out with hubby, and having drinks whilst watching the birds and other wildlife go about their lives while we relax

    Lights have been arranged tobe fitted end of June, so looking forward to seeing those up..

    must crack on with those chores now..
    current official end date of mortgage= 2037-aiming for 2030

    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 25th nov 2016- oct 2017 £4,850.62

    balance of mortgage currently = £231,900:eek 11/10/2017
    • chumpy45
    • By chumpy45 29th May 17, 7:56 AM
    • 315 Posts
    • 1,366 Thanks
    chumpy45
    Hope you are enjoying this glorious weekend. I have a lovely picture of you with glass of wine in hand enjoying the views. I loved the story of the honey bees. We have just discovered we have a wasp nest in the loft just above the bathroom. They keep appearing through the light fittings in to the bathroom. A little job to tackle next week I think!
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • sammy70
    • By sammy70 31st May 17, 7:50 PM
    • 471 Posts
    • 1,274 Thanks
    sammy70
    Thankyou Chumpy!
    Weve has a fantastic few days off, back to work tommorow

    We have sat out at night with a drink, and hubbys nightvision binoculars, a real eye opener! whilst keeping an eye on our bonfire burning all the undergrowth we have managed to clear.

    We saw bats, insects, and a strange bird kept flying low over us, making a really weird sound like a spaceship?? we are looking online to tty and find what this bird is, its the weirdest sound weve ever heard..

    Good luck with getting rid of your wasps Chumpy, we found a huge wasp nest in our work shop when we moved in, lucky for us it was empty
    current official end date of mortgage= 2037-aiming for 2030

    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 25th nov 2016- oct 2017 £4,850.62

    balance of mortgage currently = £231,900:eek 11/10/2017
    • sammy70
    • By sammy70 2nd Jun 17, 6:23 PM
    • 471 Posts
    • 1,274 Thanks
    sammy70
    Happy June
    The standard mortgage payment of £1208.83 has gone out

    Monthly interest for May= £433.03

    Daily interest= £13.96, we are out of the 14's

    Overpaid standard £150

    overpaid extra £224.20

    This leaves our outstanding mortgage balance of £237,200

    total overpaid from 25th nov 2016- today = £2,606.57

    We are in super frugal penny watching mode saving for the new workshop roof, we plan to get this done at the end of july.

    Im doing careful meal plans, which hopefully will also help me watch our calorie intake, and help reduce our excess llbs!
    current official end date of mortgage= 2037-aiming for 2030

    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 25th nov 2016- oct 2017 £4,850.62

    balance of mortgage currently = £231,900:eek 11/10/2017
    • sammy70
    • By sammy70 3rd Jun 17, 1:32 PM
    • 471 Posts
    • 1,274 Thanks
    sammy70
    A glorious day!

    Had my hair cut and coloured this morning, so no longer look like a cavewoman

    Im currently half way through household chores, then its outside in the sunshine, getting stuck into some weeding and trying to light the damp bonfire consisting of last weeks weeding/land clearing efforts.. cant wait till we have animals to eat all the grass!!
    We are sticking to our meal plan, and im hoping totry and make another overpayment next week, using cash saved from spending wisely on groceries, all other excess cash is going to our roof fund.

    Have a lovely weekend everyone!
    current official end date of mortgage= 2037-aiming for 2030

    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 25th nov 2016- oct 2017 £4,850.62

    balance of mortgage currently = £231,900:eek 11/10/2017
    • sammy70
    • By sammy70 8th Jun 17, 6:05 PM
    • 471 Posts
    • 1,274 Thanks
    sammy70
    made an overpayment of £250 today , this came from savings, i had a crappy day, so organising my finances for the next month, and making this overpayment made me feel a lot happier!

    The new mortgage balance = £236,950 we are in the £236`s!!

    Total overpaid nov 28th 2016- today =£2856.57
    average overpaid per month =£408.08

    I hope, after 1st july direct debit has gone out, to have enough saved to make another overpayment to take us down into the £235's..
    current official end date of mortgage= 2037-aiming for 2030

    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 25th nov 2016- oct 2017 £4,850.62

    balance of mortgage currently = £231,900:eek 11/10/2017
    • chumpy45
    • By chumpy45 8th Jun 17, 9:12 PM
    • 315 Posts
    • 1,366 Thanks
    chumpy45
    Isn't it funny how all we MSErs all feel happier after OPing or doing a little bit of spreadsheet fiddling Well done for being in £236s
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • sammy70
    • By sammy70 10th Jun 17, 11:52 AM
    • 471 Posts
    • 1,274 Thanks
    sammy70
    Thanks Chumpy ! you are so right, when im feeling negative/fedup/whatever other sad mood, making a small overpayment, and organising and being in control of our finances always makes me feel better, i guess its probably because whatever other crap life throws at us, that we cant always control, doing a small positive thing that we can is a comfort

    Anyway, feeling a lot more positive today, even though its raining, and i have a couple of hours of house cleaning ahead of me.

    This morning, on and around our bird feeders, i have watched the following- mum and dad, now joined by babies (as big as the parents now) woodpeckers, coal tits, blue tits, along with their many fledglings, blackbirds and youngsters, chaffinch families x 3, bullfinchl pair, 2 grey squirrells, and a first for us, the biggest baby jay, really lovely, no parents to be seen though?
    We are so lucky to witness nature like this, living here is everything i dreamed it woud be , and more

    On the moneysaving front, im being super organised, july budget already done, im trying the cash budgetting system for rest of this month for food/petrol/ spends, im determined to stick to our budget for the next few months, and get the workshop roof completed, the outside lights fitted, and start saving for 2018 .projects..

    im just waiting on our paydays now to shuffle the cash around to cover bills, and savings .

    Heres to a moneysaving, happy sunshiney week ahead
    current official end date of mortgage= 2037-aiming for 2030

    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 25th nov 2016- oct 2017 £4,850.62

    balance of mortgage currently = £231,900:eek 11/10/2017
    • sammy70
    • By sammy70 14th Jun 17, 8:00 PM
    • 471 Posts
    • 1,274 Thanks
    sammy70
    Im nervously awaiting the outcome of my little cars MOT tommorow, im hoping it wont comein over £200 budget ive allowed for it, i know a couple of bits want doing..

    Ive just been watching the bird feeders, and hubby had but some upturned shooting clays left by the previous owner , he filled them with water, and the blue tits love them for little individual baths! so cute

    On the money saving news, ive found out today a payrise is coming my way this month, backdated to 1st May, £1500 per annum increase, so that will come in handy for savings/overpayments

    Every day i count my blessings to have come so far, and to be happy here in our lovely countryside home, with the man i love. with so much sadness and horrific things going on in our country at the moment, we should all take a minute to count our blessings, tell our loved ones we love them, give them a hug, we are the fortunate ones..
    current official end date of mortgage= 2037-aiming for 2030

    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 25th nov 2016- oct 2017 £4,850.62

    balance of mortgage currently = £231,900:eek 11/10/2017
    • try harder
    • By try harder 14th Jun 17, 8:33 PM
    • 474 Posts
    • 1,540 Thanks
    try harder
    So beautifully said sammy70 and so very true ,life is so very precious and we never know when it might be taken away from us .Stay happy ,love reading your posts .
    • EatingTheElephant
    • By EatingTheElephant 15th Jun 17, 7:07 AM
    • 1,128 Posts
    • 6,070 Thanks
    EatingTheElephant
    Well said Sammy. Fingers crossed for the car and congratulations on your pay rise.
    • sammy70
    • By sammy70 18th Jun 17, 12:49 PM
    • 471 Posts
    • 1,274 Thanks
    sammy70
    Sunny sunday!
    Me and the pooch set out early for a lovely walk, part on the transpennine trail, then off skirting 3 tiny villages, through fields, and back over a stream and home again.

    We saw (and heard) lots of curlews with their really long beaks, they look like they belong in the stone age , really unusual looking!

    We set of early, and the whole walk took just less than 2 hours at a fairly brisk walk, im glad we did set off early, as its like the med outside now, who needs to waste money on foreign holidays, when we have mini heatwaves, and lots of lush green gorgeous british countryside, and all its hidden wildlife right here!

    Week 2 of my cash for groceries and petrol, ive not spent all last weeks due to using up what we had, and the weeks shop came in at less thn £50, so the leftover £50 will be an overpayment tommorow to the mortgage

    Oh, and no spends on the mot, sailed through!!!!
    current official end date of mortgage= 2037-aiming for 2030

    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 25th nov 2016- oct 2017 £4,850.62

    balance of mortgage currently = £231,900:eek 11/10/2017
    • sammy70
    • By sammy70 19th Jun 17, 8:28 PM
    • 471 Posts
    • 1,274 Thanks
    sammy70
    just a quick update, the £50 grocery savings has been paid to the mortgage, our new outstanding balance is £236,900, i love a nice rounded off figure

    The weather continues to be of a tropical temperature here.

    we had inlaws for tea today, then hubby dropped them home on his way to work (night shift), so im just bathed and ready for early night with a book on my lonesome.

    Have a frugal happy week, payday for me friday, hubbys next week.. hopefully another decent overpayment to be made then, want to get into the £235's !!
    current official end date of mortgage= 2037-aiming for 2030

    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 25th nov 2016- oct 2017 £4,850.62

    balance of mortgage currently = £231,900:eek 11/10/2017
    • chumpy45
    • By chumpy45 20th Jun 17, 9:34 PM
    • 315 Posts
    • 1,366 Thanks
    chumpy45
    Great news on the MOT, always a nervous wait!! Lovely to hear about your pay rise, and to read about your beautiful countryside walk. You are so right, we need to enjoy every moment.
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • sammy70
    • By sammy70 24th Jun 17, 7:26 AM
    • 471 Posts
    • 1,274 Thanks
    sammy70
    A busy week, worked late last night , paydayfor me yesterday, hubby 28th.

    Last night i shuffled money round, cash in pots for food, petrol, coal, clothes and b.days/xmas for this month, also made £50 overpayment, wil make the standard £150 overpayment next week.

    My daughter is starting up in dog grooming, so sent £500 to her to pay for setting up costs, this is her and partners (very) early xmas pressy ata least its less to find in december!

    New mortgage balance- £236,850
    total overpaid nov 16- 23rd June 17= £2956.57

    Did well with food shop again, £49 at Aldi, and £20 morrissons, £10 under budget (which was included in the £50 o/p)

    meal plan done for next week, car full of diesel for next week or 2, just house tidying today, and im organised for the week ahead

    Hoping for a bit of time outdoors getting stuck into more land tidying this weekend with hubby
    current official end date of mortgage= 2037-aiming for 2030

    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 25th nov 2016- oct 2017 £4,850.62

    balance of mortgage currently = £231,900:eek 11/10/2017
    • EatingTheElephant
    • By EatingTheElephant 24th Jun 17, 7:35 AM
    • 1,128 Posts
    • 6,070 Thanks
    EatingTheElephant
    Good luck to your daughter for her new venture.

    Have a great weekend, hope the land clearing goes well.
    • sammy70
    • By sammy70 28th Jun 17, 8:50 PM
    • 471 Posts
    • 1,274 Thanks
    sammy70
    Thankyou for the good wishes ETE, she is working hard training at the moment, shes been saving whilst working fulltime, and has now taken the brave leap to training from scratch to be a dog groomer, shes on a 6 week intensive course paid for by herself, she decided rather than do one day a week, she would bite the bullet and do the course in one, she takes after me with the all or nothing attitude

    Today ive made the standard £150 overpayment, our new balance is £236,700

    Last weekend, hubby and i did the following tasks-

    located, and dug up the entrance to the septic tank in preparation for it to be emptied- glamourous or what!
    Arranged for emptying of the septic tank- now done..

    Dug holes and planted set of gate posts- got eaten alive by midges while doing this

    Chopped approx 3 months supply of logs for the stove, which came from the 3 spruce trees we chainsawed down a while agoas they blocked light into the house - these logs should be seasoned to use winter 2018?? money saving for the future..

    Stacked the mountain of chopped logs in the corner of hubbys workshop until we have built a newlog store..

    both hubby and i were totally pooped after the log chopping, but it felt good seeing that log mountain, and we burnt some calories into the bargain, so all good!

    Stuck to meal plan this week, grocery shopping day with my list tommorow, the freezer is desperate to be defrosted, so next 7 days is making meals using up freezer contents, so small shopping bill this week again i hope , meaning another small overpayment next week
    Last edited by sammy70; 28-06-2017 at 8:53 PM.
    current official end date of mortgage= 2037-aiming for 2030

    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 25th nov 2016- oct 2017 £4,850.62

    balance of mortgage currently = £231,900:eek 11/10/2017
    • shangaijimmy
    • By shangaijimmy 28th Jun 17, 9:14 PM
    • 2,207 Posts
    • 10,146 Thanks
    shangaijimmy
    Had a very enjoyable read catching up. Great progress in here and seems such a happy place!
    MFW: Turning June 2036 into March 2023... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • sammy70
    • By sammy70 30th Jun 17, 5:37 PM
    • 471 Posts
    • 1,274 Thanks
    sammy70
    Thanks for dropping by Shangaijimmy

    My regular savings matured today, this has £2700 of my horse savings in it..

    Transferred £2500 to premium bonds , and used £150 of it to make an extra£150 overpayment, couldnt resist! the other bit is waiting to be used, along with £25 saved from this weeks grocery spends, to round off the mortgage balance after the interest has been applied, and the direct debit for the standard monthly payment has been paid on the 1st of July (well monday 3rd with 1st being a weekend day)

    cashed in £2.65 from quidco, which will also go to the mortgage once it hits my account, every litle helps!
    current official end date of mortgage= 2037-aiming for 2030

    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 25th nov 2016- oct 2017 £4,850.62

    balance of mortgage currently = £231,900:eek 11/10/2017
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