our forever patch challenge

sammy70

mortgage balance £119,935.92
overpaid in 2024- £10177.81
mortgage reduced by £17922.01 in 2024, start balance 1st January 2024 was £137857.93

We have fully funded 6 month emergency fund, really hope we wont need this in 2025 though!!

sammy70

well we are all set for the big day, shopping done, presents bought, and house fairly tidy! 
daughter and son coming xmas eve and day, so that will be lovely.

its really windy this weekend, so not a lot of outdoor time. I went for a hour ride yesterday which was lovely, apart from annoying old fart letting his three dogs come bounding barking and snarling , while he stands shouting them and they completely ignore him i really hate it when dog owners with dogs with no recall feel its acceptable to let them frighten people /horses/other dogs like this, my pet hate!! no apology of course!! ignorant!!

Anyhow, not to worry.. 

Im really enjoying my break, feeling a lot more energised, and ready to make plans for 2025..

up to now, our goals are- get MIL house sale completed asap, so we no longer have to keep driving to check it, and money in bank to pay care home fees without council putting a charge on it, and charging fees and interest!, robbing gits!!

pay 10% off mortgage that we are allowed..

save £25,000 ...

have a good weekend everyone!

sammy70

what a weekend! saturday we had a  powercut from 9 in the morning until nearly ten at night! i think the strong winds caused some damage , the weather was atrocious!!
Sunday, powercut again at same time in the morning!! thankfully was back on in an hour that time!!  so not a lot done saturday, and sunday had family visiting, and hubby working in the pm..

Today thankfully the strong winds have settled, and its dry at last! im going to put the chunky horse out in his field, and pop to the village for a couple of last minute fridge items..

sammy70

Looking forward to a lovely relaxing family christmas day! hope everyone has the same!!

Happy christmas 2024, heres to a happy and prosperous 2025 xx

mummytummy

…and a Merry Christmas too 😊

Jessy103

Merry Christmas, Sammy. All the best for 2025 🎄

sammy70

Hope everyone had a lovely xmas!
ours was good, food, company and pressies, everyone was happy!!

Im enjoying my last 7 days before i re-open my little cafe, had lovely ride in the sunshine this morning, lots of pottering , reading, relaxing, and generally having a stress free time!

im looking forward to getting stuck in with 2025 saving and overpaying challenges, alongside enjoying my life and appreciating how lucky we are to live in the beautiful remote countryside .. Life is good 

LadyWithAPlan

Glad you happy and settled in yourself 
looks like next year will be a good year 

hopefully the MIL house will get sold quickly and ease that burden 

sammy70

Thank you ladywithaplan, im trying to focus on the positives, as i find its all too easy to overthink minor problems into major,  and forget how fortunate we are, its a bad habit of mine im trying to do less of!

So, today marks a fresh year, lots to do here, lots of costs to save for, i intend making the most of life, alongside working hard to earn whats needed to get things done!! thats my new year resolution sorted!

Today, ive sorted this weeks finances, mucked out chunky horse, fed chucks and sheep. and fed wild birds too.. Eggs topped up in honesty box...

As the weather is awful, heavy rain all day yesterday and all night, just starting to ease but very strong winds, i intend catching up on diaries, relaxing alongside pottering jobs..

A massive HAPPY 2025 to everyone!!

Jessy103

Happy New Year sammy! All the best for 2025 x