our forever patch challenge

South_coast

Sounds great, I'm so pleased the jump into self-employment has worked out for you. Have a great Christmas 😀

sammy70

Thank you southcoast,  happy christmas to you too! 
im looking forward to 2022, fresh challenges, both good and no doubt a few not so, we have a lot to be thankful  for, heres to fresh starts, and a very happy new year xxx

Jessy103

Merry Christmas and happy new year, sammy! x

sammy70

well thats christmas day 2021 over with.. was a little sad as dd had major relationship issues, which looks like may mean she will be single shortly as her fiance turned out to have some bad personality issues that he kept hidden, what an ar##hole.. lets see what happens, but cant see them getting through this tbh.. 

hubby back at work tommorow night, the weather has been snowy, wet and foggy , matches the murky mood im feeling after the revelations about the numpty now not to be son in law, feel so sad and sorry for dd, she had really thought this was it for her..

havent slept much, worried about how things will pan out for her, would prefer her home now tbh, oh well lets see what the next week brings..

sammy70

the wet weather continues, the yard and everywhere is just mud, im fed up of winter already!!

dd still living with numpty, cant see it lasting tho.. 

think ill go for a soggy pony ride, see if fresh air cheers me up.

this morming i filled in my 2022 calendar , birthdays etc, organising always cheers me up, and made an overpayment of £100 , balance now £177,300 
fingers crossed for a large premium bonds win!! 

Hettyhound

Good luck for 2022 but I think you will find the large premium bond win is to head my way 🤣

sammy70

gosh, belated happy new year diary!

What a start to the year, between christmas and new year we had major upset sorting DD out, getting her here safe, and all the sorting of belongings, getting her a car, and loads more, what a nightmare..

She is looking for a new job now, as she also worked for her exs business, im sure she will get sorted soon, main thing is she is safe..
MIL continues to get worse with altszeimers, and is giving us a lot of extra problems  we could really do without, if only bil would pull his weight it wouldnt be as bad, but some people have a way of managing to make it so they get away with dealing with things and leaving them to other people.. oh well he aint going to change, always there to critisise, but never available to help..

thats enough of my moaning, my little enterprise is doing ok, had a decent january, and some decent savings and overpayments, overpaid £646.39 in January, mortgage now at £175,900, interest to go on that though so will increase 1st Feb..
£1215 saved in p.bonds, a massive ammount, from ebay sales, and all other saved cash, hubby did overtime over christmas, and i had a couple of really good days in the cafe. I dont think this will be every month, but its nice to have a good start to 2022 savings and overpayments at least! 

my 2022 challenge is to get the balance below £160,000 by xmas eve, and try for £10,000 extra in p.bonds, have £27,400 as of today, so here goes ..

sammy70

i was looking back at January 2021 overpayment, and i made within £1 the exact same ammount in overpayments! wierd!

Jessy103

Happy New Year Sammy! 

Sounds like a stressful few weeks for you. Hope everything works out for DD and best wishes to MIL. 

Congrats on the overpayment! 🙂

sammy70

gosh my diary is getting neglected with one thing and another..

Weather here is atrocious, like most of the country, no chance of opening my little cafe this weekend, and last two have been 1/2 days rained off, roll on spring!
Ive got food shop and house work done for this week, and ive done March budget, and all cash/ direct debits covered so thats a relief..
i work a month in advance, in case of emergency/cash crisis, so we in theory could have a month with no outgoings to find, and i have a £1000 emergency fund, it really makes overpaying  and self employment so much less stressfull.. it too a while to get in this position though..

this month, ive managed to save £600 into long term savings/p.bonds, which is a miracle considering ive hardly been able to open my cafe.. ive been extra frugal, and not spent anything other than food, and odd chocolate treat, which we have gone back to weekend only, as daily treats have sneaked in, which means both i and hubby have gained a few unwanted pounds..

overpayments for February are £126.30, though i hope to make at least another small one next week if possible, lets see..