our forever patch challenge

sammy70

just checked new full months mortgage interest on our new rate- 2.24%, we paid £68! massive saving of £58 on last month, and i had made overpayments to reduce the interest at that, im well please with our decision to go on the 2 year fix.

I didnt go for food shop Thursday, we had loads in, so going tomorow instead, need fresh fruit etc anyway, ill call on the way home from work, as its my 1 in 4 saturday morning to work..

Have a lovely weekend everyone!:rotfl:

X SammyX

sammy70

good evening,

Just a quick update. Today ive bought our first premium bonds, we have decided to start investing our house savings in these as the interest rates are dismal still, and theres always the tiny chance of winning a prize!

We are hoping to get the full £30,000 we need to clear our mortgage invested by 01/08/16, the date we plan to pay it off in full, ill keep you informed if we win, and any winnings we will save , ive yet to decide on where, we will have to think about that!

Ive checked accounts, and we are on track again to make full payments to all our savings, im chuffed with our progress!

X Sammy X :j

sammy70

another glorious day, sun shining, lovely!

We had a lovely long walk yesterday after i finished work, and before hubby started. The countryside is at its loveliest, birds busy feeding their babies, flowers and trees flowering, everywhere lush and green, i love the british countryside!

Friday is pay day for me. All finances/accounts as they should be.

Our regular saver matures on the 28th, so 29th we must remember to open our next one , this will be our "emergency fund" for any unexpected disasters , hopefully none, last years paid for new fence, and my daughters 21st birthday ..

X Sammy X;)

sammy70

Just dropping in to update signature, we now have transferred all house savings to clear mortgage 1/08/16 into premium bonds, new updated total £9,400. These will go into the 1st draw 01st July. It puts a little bit of excitement into the savings mission!

This months savings all transferred today, all direct debits etc paid..:T

im looking forward to June, keeping up the challenge to save as much as possible for our dreams and plans..

We have a week off together at the end of the month to look forward to too! yippee! i love our precious time together, im planning lots of country walks, picnics etc, and some snuggle time, sprinkled with a few jobs in the house/garden to catch up on..:rotfl:

X Sammy X

sammy70

Hi, just dropping by to update my signature, our new mortgage balance as of 1st June= £36, 378.82. Our daily interest is £2.24.

Nothing else to report on the finances, bank accounts all as they should be, shopping budget going to plan up to now , not gone over budget for the last two weeks at least! lol :rotfl:

X Sammy X

sammy70

what a glorious sunny day!

had a work day to forget,nightmare of stress:(

On the happier side, pay days next week, and we are on track to make all our savings targets :T


On the even happier side, we have a week off together next week, im sooooo ready for it as is my hubby, as we are both not really enjoying work at the moment, but i suppose we are lucky to have jobs and to be in the position to save for our future dreams and plans:)

Seeing our savings for the new house grow keeps us going, it will all be worth it!

X Sammy X

littlegreenpeas

Enjoy your week off

sammy70

Hello!

Heres my July update- all savings as planned made as follows-

Contractual mortgage payment- £366.27
Premium bonds- £750
hubbys car savings- £183
my horse savings- £183
DIY Fund- £125
Emergency/general savings= £250
Additional premium bonds- £650
Total saved including mortgage payment= £2507.27 :j

Dont think we will have enough in Julys pay to make as much additional bonds overpay, but here goes, we are working our socks off for our new home August 2016!!

X Sammy X

Downsizing__for_sanity

We have just bought a new house so will be joining you at some point on the MFW threads. Waiting for first payment to go out on 4th but have already overpaid £50 RBS don't seem to make it easy to overpay though - still trying to find out how I can do it online instead of calling up Direct Banking every time. Any tips please divulge them!

sammy70

Hi DFS, ring RBS, and ask for account number and sort code to allow you to set up a bill payment online, thats what i do! i then pay whatever ammount i can, i think on one sad occasion it was less than a fiver!:o every little makes a difference is my philosophy!:rotfl:

x Sammy X