our forever patch challenge

LadyWithAPlan

Well done on the PB wins - only had £25 bit after nothing since Aug I was still grateful  and its tax free

sammy70

Thank you Tryharder, we have done well on the p.bonds this year, and that little excitement every month adds to the fun of saving for projects.

Ive set my challenges for 2024,mortgage balance to £115,000 by xmas eve 2024, and p.bonds £10,000, though id love to get to the £50,000 maximum (unlikely this year, lol)

try_harder

I will be following along with you ..I am going to aim for £30,000 savings again next year and you always inspire me ,you are always so consistent

sammy70

Thank you try-harder, good luck for your 2024 plans, i love a challenge! and p.bonds give that added bonus of the chance of a win each month to give a little excitement to saving!

Im a lady 0f leisure until the 5th January, my little cafe has closed for the festive period, as we are very remote, and i need a break from the bad weather are we- arent we opening with the alternate freezing/peeing down with rain/gails

I put aside cash through my summer months to cover a couple of months wages for winter, as we are weather dependant due to location/set up, to aleviate the stress..

try_harder

How lovely ,enjoy your break .I am sure you will be doing lots of planning and budgeting for next year ,i know i will

sammy70

i really am enjoying the break!! lots of plans whirling round my head, i need to put pen to paper and list my goals for 2024..
ive been making overpayments where i can this month, i did a budget at the beginning of the month, and paid/transferred money for everything then, usually i do this weekly

. Any little savings/unexpected money through december will go to the mortgage.

sammy70

its blowing a gale here! i definately made the right decision closing the cafe over december/xmas and new year..
im enjoying the time off, though hubby is working until 23rd.

Off for a filling replacing this morning, then last supermarket shop before christmas.
This will probablybe my  last venture out until after christmas, i love being here so once we are stocked up with food, and all animals food bedding is here already as i bought early, we can relax and enjoy being here together.

2024 plans are- pay the 10% allowed off the mortgage- amount to be confirmed 1st January when its showing on banking
Get water system replaced- very expensive- total to be confirmed- and pay this amount back to saved amount in p.bonds- this may be 24 month payment plan..

Fortune_Smiles

I know what you mean @sammy70 - we have our last event this evening and then nothing until Twixmas.  I can feel myself relaxing already 😴

Enjoy your break.

Fortune x

sammy70

i watched the goodlife christmas special on iplayer  last night, totally in the christmas spirit now!

no more spending as all shopping done, will be a small supermarket shop next week, and fuel top up, that should be it for 2023 spends.

nothing happening finance wise, mortgage balance at £137,550, maybe one more small overpayment before 2023 ends..

sammy70

Well the big day is behind us. We had a lovely day, turkey was gorgeous, everyone was happy with what they got, a simple chilled day..
Time to make best of the last days of relaxing, before getting stuck into 2024 and all the plans we have to work for to make come true.
Its always lovely to start a fresh year with lots to look forward to, we are so lucky to have what we do, with everything thats going on around the world, we all really need to appreciate what we have and make the most of it.