our forever patch challenge

sammy70

another busy day in my little cafe..

Spring is defenately on its way, we currently have 3 separate batches of newly popped out of the warren baby bunnies running around, so much cuteness and fun to watch!

ive been good and stuck to meal plan this week, hoping to get one more payment to the mortgage on tuesday, than i can do my february overpayment figures, and new balance.. we have had a decent month financially, lets hope March is even better..

sammy70

a fresh month begins!

my mortgage update
Overpaid in February- £1480.07

Mortgage balance this morning- £151,600, though interest for February hasnt been applied yet so this will go up, i will edit post when i get this information..

My goal for March is to- rebuild my £1000 emergency fund- this has been used this month to help daughter who has short term financial problems.

Stick to budget and meal plans- this is crucial if we are to rebuild e.fund!!
Enjoy living in our rural home watching spring bring new life to the plants and baby animals, one of my favourite times of year here 

sammy70

interest for February was £338.78
Daily- £12.09
so the balance 1st March after interest was applied was £151,938.78

Its been a quiet month financially, just been rebuilding emergency fund, and added £600 so far to p.bonds for long term saving goals..

the weather has been changable- mild spring like weather, then freezing, then heavy snow, then heavy rain, today gusty winds and heavy showers! good old british weather!!

ive continued with my weekly mortgage payments as we both get weekly pay, the mortgage stands at £151,090 as of this morning..

Next week brings the return to my little cafe opening 6 days a week again, weather permitting, so hopefully a little extra each week to the overpayments, and long term savings pot..

Next month the mortgage balance drops from the £150s to the £140s!!  hopefully our target of £135,000 by xmas eve is going to be achieved , need to get our heads down, get working and saving hard, with all the costs rising this year is going to continue to be a challenge in more ways than one..

sammy70

well its been a rubbish week weather-wise! i started my summer opening hours from tuesday this week, but it bucketed it down so i didnt open tuesday, yesterday was really quiet, no one out and about so little custom, today and looking like tomorow too closed due to heavy rain!!

oh well, its early spring so typical british pooey weather!
Due to this no more savings and overpayments this month sadly... lot of wasted bread/eggs, just looking at nearest foodbank to take these to, someone might as well benefit from them..

Fortune_Smiles

We're fed up with the rain too @sammy70.  Hope business picks up soon for you.

Fortune x

South_coast

Could you freeze the bread? You could use the eggs to make cakes and freeze those too, but obviously depends how much freezer space you have!

try_harder

What a shame ,sorry to hear that .Hopefully the weather will brighten up for you soon

sammy70

Well had a lovely {and busy} few days in my little cafe, today is my day off, the rain came, so im having a lazish day to refresh myself for another working week
Im getting caught back up on the finances after helping DD out last month, she is a worry, not very good with cash, but im learning not to interfere too much as she takes no notice of advice at the moment, you can only do so much, its hard to see your children making mistakes..

Made a few overpayments so far in April, the mortgage balance today is £150,660.. im hoping April sees us permanently out of the £150s , and into the £140s! 

Had a £200 p.bond win, which kicked off the month nicely, hopefully the weather will pick up, and i can make the most of spring and summer in my little business, and make lots of savings towards house projects, borehole etc, and lots of overpayments!

sammy70

busy day yesterday, today rained off so catching up on housework..

my poor horse is lame at the moment, had vet yesterday, hes on antibiotics for 5 days and pain relief, im worried about him as hes worse today.. fingers crossed for some improvement soon.

Saved £350 into p.bonds this week, and £180 overpayment to mortgage alongside my standard weekly payment. The new mortgage balance is £150,200...

Its freezing as well as wet today, roll on summer, im sick of rain and cold!!

sammy70

well day 3 of my cafe being closed due to heavy rain, im absolutely SICK of rain and mud!!

My horse is still lame, daily poulticing, antibiotics and pain killers continue... i suppose its not bad weather for being confined to your stable. poor lad..

its going to be a spendy month now due to unplanned vet bills, oh well, the weather is predicted to pick up from tomorrow, so we will just have to get plenty of extra work in to cover the extra outgoings..