our forever patch challenge

sammy70

My poor horse was found to have suffered a laminitis flare up after having xrays on his foot. He is still on the slow recovery back to soundness, it will be a few weeks bless him.

I have lots of vet bills going on, my plan is to pay these off at £100 a week, ive paid a lump already in april of £500, i want to continue my savings and overpayments this month, so i will try this weekly payment method, but debt tends to drive me mad, so i may raid one of my sinking fund pots to clear it, i will see how it goes..

The interest for April was £355.99

Daily £11.86

The mortgage balance today stands at £149,345.99

Jessy103

Hope horsey is all better soon 🙂

sammy70

Horse still on painkillers, but very slowly improving.. vets bills so far total £1470, plus extra £140 for farrier for special shoes..

i couldnt wait to clear them, so raided car pot and paid them all off, back to square one with car fund, oh dear..

Had a busy sunshiney day in my little cafe, im hoping the weather forecast changes for tomorrow, currently heavy rain all day!

if the forecast changes im planning on opening the cafe, all extra funds will come in handy at the moment.

We had a £100 win on the p.bonds, so thats a good start to may savings ..

Mortgage stands at £148,945.99 after this weeks payment..

sammy70

rain came, so my cafe remains closed, no extra vet bill money..

on a positive, caught up on loads of diaries, and did a stock check. we have enough meals for the rest of the month, so only fruit/salads etc to buy.. 

im planning a frugal may, to rebuild savings pots, and to allow weekly overpayments and p.bond savings to continue as originally planned..

everything outside is looking green and beautiful, summer is nearly here!! yey

sammy70

the lovely sunny weather has meant my cafe has had plenty of customers, so lots of work, but all vets bills up to date. Another one this week for his meds, blood test etc, £430!

im lucky i have a job to allow me to pay these, and ive managed to still put the £1000 a month into the p.bond savings for the bore hole fund.

i only managed to overpay £294.21 in May, but its better than nothing, and not bad considering all the other expenses /savings..

The mortgage as of today stands at £147,200..

sammy70

im having a lazish day today due to heavy rain stopping me opening my little cafe.

Horsey continues to improve, slowly..

All vet bills are paid to date thank the lord! ive managed to save £1000 in p.bonds again this month for the bore hole fund, thanks to lovely weather meaning lots of customers.. to be honest todays rain was a blessing, as ive been working everyday except the one day a week when we go to mother in laws to do her shopping /cleaning etc..

The rest of the week is looking good at the moment, so hopefully another busy week so savings can continue..

ive started a little pantry build up, getting extras each week with the view to the last week of each month being a frugal low spend week to allow a boost on the savings and overpayments, ill see how it goes..

Hettyhound

I try to batch cook early in the month with the hope that we can eat out of the freezer for the last week of the month.  I tried to build up a stores but struggle for space for storage and also if my son finds it then its gone!

sammy70

Ive had a busy HOT weekend in my little cafe.. lots of customers so its worth the toil.

This next week is my pantry week, im hoping for a last week boost to savings and overpayments, but hubby is off work this week so i will have to be super strict not to give in to extra goodies..

 hes done some work on our car that would have cost a fortune at the garage, so saved at least £500, so he may be allowed a little treat...

sammy70

the weather has turned awful again this last few days, wind and rain..poo

July is going ok financially, had £125 win on the p.bonds, yey!

could do better with eating too much/wrong things, im struggling with weight loss, worry about horses health/stress with mother in laws worsening altzheimers etc seems to lead to comfort eating.. need to shake myself, being fat isnt going to help me keep healthy and motivated!!
Mortgage today stands at £145,800

sammy70

mortgage balance today- £145,000

our five year fix ends 31st January. The bank allows us to apply for current deals 6months prior, so 1st August i will do this online as i did last time..
im not sure whether to go for 2 year or five year fix, probably 5 as my plan is to pay it off by the end of this, so January/February 2029 will be our mortgage freedom date.

This is if life goes to plan , our health/work situation stays on track. I think the pandemic has made me very wary of long term plans, though i guess it made most people realis nothing is guaranteed in life..

i just need to get this sorted so in know what the new payments will be, i can then re-do our monthly budget.

On the plus side, hopefully this will be the last mortgage deal we will ever need to sort, fingers crossed!