our forever patch challenge

sammy70

Well had a good few weeks in the cafe, and hubby has worked overtime on tne bank holidays, meaning so far this month£1037.52 over paid to the mortgage, leaving the balance at £171,900!!!  the hard work paid off this month 

sammy70

a quieter week in my little cafe to end April, hey ho, swings and roundabouts!
We have had a really good April both weather and finance wise, the trees and all the countryside has greened up beautifully again. birds are busy with fledglings already! we are so lucky to be surrounded by nature in all its glory, i love my home 
An all round good month

sammy70

A new month, weather a bit iffy, meaning a very quiet week so far in my little cafe..

Paid standard mortgage payment, and a bit extra, new balance stands at £171,089.37, im already itching to round that figure up! 
no win on the p.bonds this month sadly 

oh well, keep plodding on! 

sammy70

May has been a good one for us, cafe doing ok, been rained off a few times, but this coming weekend looking good for the jubilee celebrations!
my parents celebrated their diamond wedding anniversary this month, and recieved a lovely card from buckingham palace

Mortgage overpayments are going well ow im earning a little more, so heres my update for May

overpaid £1063.43
interest for may- to be confirmed
balance today- interest not applied yet= £170,057.38

So June will see us saying goodbye to the £170s, and hello £160s!
id love to get to £160,000 by xmas eve.. thats my goal for 2022.. £10,000 to go...

Jessy103

Congrats on getting into the £160s and hope you have a profitable jubilee weekend in the cafe 🙂

sammy70

A lovely sunny morning here!
a quick update on my payments so far, made standard payment, plus a couple of overpayments from hubbys bank holiday overtime, balance this morning now stands at £168,970 
We are both working hard to make the most of summer days in the cafe, and any overtime he can to reduce the mortgage, and get our emergency fund fully funded to one years take home, before we then start on savings for all works on our home..

The plan is to have the mortgage to £160,000 for xmas eve, and the emergency fund fully funded als by xmas eve, meaning 2023 sees the start of DIY savings- this will be a 2 year goal, theres LOTS to do!!!

sammy70

gorgeous sunshine this week!

June has been expensive so far, new chainsaw had to be purchased, new gate and fencing, and sons birthday, we had lovely family meal out, our first in a long time..

Despite this we have made overpayments totalling £901.92! , all budgeting, and  through overtime and e.bay sales from  attic clutter sold..

Mortgage balance today- £168,436.32 

try_harder

Wow ,you are doing brilliantly .You have always been consistent thats your secret .Well done

sammy70

my poor neglected diary!!
Heres Julys update, been hectic with work, and M.I.L etc, but enough of the excuses, heres my update!

Overpaid in July- £1990.21
monthly interest- £409.62
Daily- £13.21
New balance 1/08/22- £166,117.05

Its been the best month yet for overpayments, due to long days in the cafe, e.bay, and hubbys overtime. I doubt we will have a better month this year for o.payments, but im trying my best to keep momentum up!

A good start to the month, won £50 on p.bonds, meal plan done, got rained off cafe today, so did big home bargains shop for all toiletries, and other bits for month. Also did aldi top up shop, my plan is to use as much from pantry/freezer as possible, just fruit and fresh stuff to get each week... 

The summer is galloping by, only 3 months until clocks go back and my weekly hours and pay halves, so going to make the best of it!!

sammy70

made a few smaller weekly payments so far this month, balance today stands at £165,810.38 
not a lot happening financially so far this month, a big car expense due at the end of this month, so will have to be careful not to over pay too much and leave us short!