our forever patch challenge

sammy70

Where is this year going! 
a quick update as im awaiting hubby getting home from an early finish from work..
Horsie continues to be ok, im riding him daily whatever the weather to help his weightloss and fitness.
I turned 50 on the 5th november- god im getting old!!
The lockdown means lots of walkers /cyclists on the trail.. i contacted the council- again- about my catering/ icecream  trailer, they are now saying i may need to apply for full planning permission, but not sure?? its a joke, if they dont know who the hell does? its now 4 months ive been waiting for permission! the lady said she would speak to her boss for clarity and get back to me- im not holding my breath, so much for britain encouraging enterprise..

Never mind, im sure it will all come together, i need to be patient.

£628 paid to the mortgage in total so far this month, half of standard payment.. not too bad 

Jessy103

Happy belated birthday! 🎂🍾

Hope you can get the permission from the council soon! X

sammy70

At last!! got the ok to trade, no full planning permission needed!! yey  so its all systems go, planning purchase of equipment/advertising etc. Due to us now being on the cusp of winter, and here on the pennines we get the worst of it, we are looking for an opening date of end of March 2021. This gives us time to get the work needed to place the set up, and get everything in order.. so excited !!
On mortgage front, £1330.23 paid to the morgage so far this month, so thats December 1sts standard payment covered, and £103.83 overpayment so far.. may just have a couple of small overpayments to go before month end.
Im continuing riding horsey daily whatever the weather, nearly got blown away this morning, boy was it fresh, straight off the moors! 

Fortune_Smiles

That's brilliant news @sammy70.  Good luck with the new venture.

Fortune x

sammy70

A nice day, had lovely 2 hour ride, just wish cyclists would ping there bells before wizzing by and making us jump out of our skins! since lockdown there are loads more people cycling on the trail, and for some reason hardly any give a courtesy bell ring to warn you of their approach from behind.. another covid phenomenon ?? i saw on the news that a 40% rise in abuse to staff in supermarkets, i think the lockdown is sending some  people crackers/ super selfish. i know one thing, it really gets me down sometimes when i think of all thats happened this year, and i cant see 2021 being massively different.
i guess we have to continue being grateful for what we have, and plodding on and seeing how things unfold. i know a lot of people are a lot worse off than us .

South_coast

I think peoples' driving has definitely got worse. Now I'm back commuting it's really noticeable - it's striking how alarming a fairly quiet motorway can be 😮

Well done on getting your permission 😀

Jessy103

Woohoo to the permission, Sammy! 😀

sammy70

Thanks Jessy! nerve wracking and  exciting times for me, at least now i can move forwards and plan to open.. 
Another £300 paid to the mortgage, balance now £194,450 

sammy70

November payments
Total paid- £1630.23
minus £1226.40 which cover standard payment- leaving an overpayment of £403.83 
Interest for November- £461.69
Daily- £15.38
new balance 1st December- 194,911.69
overpaid today £61.69 to kick off December 
New outstanding Balance- £194,850

sammy70

Not a lot happening here at the moment, but im settling into a winter routine of - morning ride- muck out etc , the weather is variable but im determined not to miss a day to keep both myself and chunky horse exercised and motivated.
Not a lot happening on my new business start up, im looking out for the right catering trailer, and still aiming for march 21as a start date..
i sort of feel like im using december and the xmas period to try and chill as much as possible, as 2020 with everything it has thrown at me has left me feeling anxious/stressed and quite down at times, and the pressure to start earning in this current lock down/ high tier enviroment is soul destroying to be honest.
Im trying the "fresh start 1st jan" plan, though i know nothings going to change massively, i just feel ive been hard on myself mentally over the last few months, and i need a re-set myself mentally and physically.. makes sense to me any hoo 
i know we are so lucky to live in a beautiful place, have an emergency fund, one of us working full time still, and each other, and i keep counting my blessings, as i know there are a lot of people suffering out there with debt and all the other problems with job loss..  keep plodding on, i know we will get through this awful time..