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our forever patch challenge

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  • sammy70
    sammy70 Posts: 1,009 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Trailer was bought! and is currently being tittivated and new sign should arrive today.. its been such a slog sorting stuff out, insurance, card machine- ive wasted a week with a company who do card machine contracts, but were a nightmare, i cancelled application yesteday after yet another mistake..
    so this week im looking for new phone and no contract card payment system..
    This month ive paid £1483.91 to the mortgage, the balance stands at £190,170.. so standard payment plus an overpayment of £257.53 ! not bad  :)
    current official end date of mortgage= 2037-aiming for 1st March 2029. mortgage balance start of challenge- 25/11/2016 £245,695 mortgage balance 05/06/25 - £101,353.67 2025 challenge- get mortgage balance to £95,000 by new years eve 2025, and a years outgoings in premium bonds after water system paid for
    Make £11,820.96 in overpayments in 2025
  • South_coast
    South_coast Posts: 5,888 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Brilliant on both counts 😀! When are you hoping to get started trading? x
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • sammy70
    sammy70 Posts: 1,009 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Hoping in the next fortnight, bank hol weekend if possible.. just awaiting card reader, need to sort stock, make out sign boards/price list, and a few tweaks to trailer.. im trying to keep calm and enjoy the process, but then i go to overthinking and stressing.. typical me this last 12 months.. 

    current official end date of mortgage= 2037-aiming for 1st March 2029. mortgage balance start of challenge- 25/11/2016 £245,695 mortgage balance 05/06/25 - £101,353.67 2025 challenge- get mortgage balance to £95,000 by new years eve 2025, and a years outgoings in premium bonds after water system paid for
    Make £11,820.96 in overpayments in 2025
  • sammy70
    sammy70 Posts: 1,009 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    ive ordered new phone, and card reader today, so hopefully they are the last of the big expenses..
    need to stock up next week , fill gas bottles and fuel for generator, good clean, then hopefully easter weekend all systems go..

    current official end date of mortgage= 2037-aiming for 1st March 2029. mortgage balance start of challenge- 25/11/2016 £245,695 mortgage balance 05/06/25 - £101,353.67 2025 challenge- get mortgage balance to £95,000 by new years eve 2025, and a years outgoings in premium bonds after water system paid for
    Make £11,820.96 in overpayments in 2025
  • South_coast
    South_coast Posts: 5,888 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    🤞 Not that you need it!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • sammy70
    sammy70 Posts: 1,009 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    still awaiting some items needed to finish off setting up trailer, and loads of tidying to do in the area it is going to be located  .. i stocked up of cans, icecreams, chocolate bars etc today, its getting close to me being able to start trading, and im rearing to go! its been lovely and hot and sunny today, perfect for selling icecream!!! so frustrated that im not doing it .. i will get there. If finding the right trailer hadnt taken so long... oh well everything happens for a reason! i just hope its a success..
    Paid another £170 off mortgage today, to start april- before interest added- with a nice round figure of £190,000   :)
    So £427.53 overpaid in April, im chuffed with that!  <3

    current official end date of mortgage= 2037-aiming for 1st March 2029. mortgage balance start of challenge- 25/11/2016 £245,695 mortgage balance 05/06/25 - £101,353.67 2025 challenge- get mortgage balance to £95,000 by new years eve 2025, and a years outgoings in premium bonds after water system paid for
    Make £11,820.96 in overpayments in 2025
  • Hettyhound
    Hettyhound Posts: 1,046 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Good luck for your first days of trading 🍦I’m sure it will be successful and the sunny weather will return 🌞 However cloudy days have never prevented me and my boy enjoying frozen treats 😁
    SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
  • sammy70
    sammy70 Posts: 1,009 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Thanks hetty!
    Paid first April mortgage payment- £566.87- leaving a nice even number of £189,900 ive seen the back of the £190,s!!  :)
    Onwards and downwards..
    Hubby and i spending afternoon on trailer setting up ,some ordered parts didnt arrive as promised - absolute joke these companies, they dont realise small businesses are relying on them..
    Dont know if we will get everything sorted to at least open Monday, im trying not to overthink/stress, everything will work out, we will get there.. breathe!!!  :)
    current official end date of mortgage= 2037-aiming for 1st March 2029. mortgage balance start of challenge- 25/11/2016 £245,695 mortgage balance 05/06/25 - £101,353.67 2025 challenge- get mortgage balance to £95,000 by new years eve 2025, and a years outgoings in premium bonds after water system paid for
    Make £11,820.96 in overpayments in 2025
  • sammy70
    sammy70 Posts: 1,009 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    oh, and we won £50 on the p.bonds!!  :)
    Thats the 3rd month in a row we have won £50.. :) 
    current official end date of mortgage= 2037-aiming for 1st March 2029. mortgage balance start of challenge- 25/11/2016 £245,695 mortgage balance 05/06/25 - £101,353.67 2025 challenge- get mortgage balance to £95,000 by new years eve 2025, and a years outgoings in premium bonds after water system paid for
    Make £11,820.96 in overpayments in 2025
  • sammy70
    sammy70 Posts: 1,009 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    we opened my trailer saturday and sunday.. snowed both  :o days, and we didnt advertise as it was a trial run. Got lots of positive feed back from people.. a few customers considering the weather etc, hopefully next week will be even more. :)
    we have now advertised on facebook local community sites, so lets see, opening friday saturday, sunday this week and next, fingers crossed for sunshine!!
    Mortgage now at £188,900, paid May 1st standard payment up to now this month, plus overpayment of £340!  <3 really pleased with that!

    Next month will be harder, as im only taking tiny wage from my venture, topped up from savings till it either gets up and running, or i go back to the drawing board on income earning! lets see what the next months bring..
    current official end date of mortgage= 2037-aiming for 1st March 2029. mortgage balance start of challenge- 25/11/2016 £245,695 mortgage balance 05/06/25 - £101,353.67 2025 challenge- get mortgage balance to £95,000 by new years eve 2025, and a years outgoings in premium bonds after water system paid for
    Make £11,820.96 in overpayments in 2025
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