our forever patch challenge

sammy70

had a hectic few weeks with MIL, she is early stage altzeimers, and has had a lot- 3 a week- hospital appointments for the last 4 weeks which i have been taking her to. Along with the admin, her finances/ phone calls etc i feel like ive been doing a full time job which is also mentally draining. She came out of hospital yesterday from her knee replacement yesterday, so hopefully now things will calm down a bit..
Last few bits os pressie shopping today, just the main food for xmas to get monday, then thats it for December spending.
Hoping for a relaxed xmas eve and day... 
Having my hair done today, cant wait! so glad too, as im betting a full lockdown will be happening after the new year, but who know what will happen in these crazy times..
Hoping to make one last overpayment next week, then will start fresh in 2021 

sammy70

made my last overpayment of 2020- £70- so my mortgage balance today stands at £193,450 
Paid a total of £1461.69 to the mortgage  this month, minus the £1226.40 standard payment- leaves an overpayment of £235.29 

Jessy103

Great work, Sammy! Have a lovely Christmas x

sammy70

We had a lovely christmas day, both children for the day, lovely food, then games, fun and laughter 
Poor hubby working overtime tonight, and next two nights  on positive note will mean a good wage next week to kick off our 2021 overpayments 
The wind is roaring outside, the predicted storm is passing through, hope it goes as quick as it arrived 

sammy70

this morning we have had rain, wind, then snow! ive mucked out, sortde coal for the fire, had nice cuppa, now im off for a ride while theres a break in the stormy weather! 

sammy70

Had a lovely ride yesterday, didnt get wet as predicted! horsey had had a two day break xmas eve and boxing day, so in true horse style was a bit loopy- tried to leg it after snorting and spinning at a small pile if material left at the side of the path, same again at a fallen fence post 
its really murky here this morning, im just going out now to do the outside jobs, and assess the going for ice , may have to delay this mornings ride if the going is too treacherous, its not worth a broken leg  ..
i did our January budget last night, should squeeze through, even with me notworking.. roll on March when i can get my little catering enterprise up and running.. the hunt for a catering trailer is proving difficult, i know what i want.. im sure its out there 

sammy70

Horsey decided to come banging on the door with his big clodhopper foot, so i grabbed the saddle and took him out for amurky misty ride 
looking forward to a productive year, whatever happens we can only get stuck in and do our best! thinking positive at the moment..

sammy70

what a few days! our good friends have been struck down with covid and are house bound, he contracted this in hospital following emergency heart op, so we are looking after their animals , so i have 3 horses now to look after.. feel so bad for them, they have had such a terrible time this year. Its snowed heavily, followed by ice here last couple of days, which is making things harder 
On a positive note, made a £50 overpayment, which leaves our mortgage balance £193,400 on the last day of 2020. also paid £40 off loan, leaving that at £13,300..
Heres to a better year in 2021, this time next year i want to have got our mortgage to below the £180's, and have a decent earned income, and my family to be happy and healthy.. happy new year everyone xx

South_coast

Happy new year to you too. I hope your friends recover soon x

Jessy103

Happy New Year, Sammy! All the best for 2021 x