our forever patch challenge

sammy70

Its the last day of April, and what a lovely month its been. The sun is shining, baby rabbits sunbathing , and nest builders are hard at it.
 Our swallows came back 23rd to their nest of 7 years!!

The mortgage balance is £109,630
Overpaid in April- £1291.79, which is amazing!

sammy70

1st May balance (after April interest of 464.30 applied) = £110,094.30

May is a 5 payday month for us, so hopefully should be able to save and overpay a good amount..

We will  be sticking to our budget, and working as much as possible to make as much as possible while the weather is good and my rural weather dependant cafe is busier..

Today is a good start, hubby has won £500 on p.bonds, i have won £50..yey!!

South_coast

That is indeed an excellent start!

sammy70

mortgage balance £109,245

Another gloriously sunny day! this spring has been the best weather for quite a few years! Bank holiday was soo busy!

im aiming to pay ahead on outgoings so if i cant work due to bad weather i dont need to worry. Up to now, im paid up to week 3 of may, once ive paid week 4, all extra for the rest of May will go into sinking funds and overpayments. Im thinking of doing this all summer, hopefully the good weather will continue..

sammy70

mortgage balance £108,758.59

After a really busy weekend, and overtime from hubby, we have now paid/put aside week 4 of Mays outgoings for bills/food etc..

So, i should be able to save and overpay using most of the rest of Mays income which is brilliant! 
Summer and more working hours for me allows these plans, i literally have to make hay while the sun shines, as winter is our frugal incoming months..
Another glorious week of sun ahead, so hopefully another good week in my little rural cafe..

sammy70

mortgage balance £107,471
Made a few good overpayments this month thanks to the good weather /plenty of custom in my little cafe, and hubbys overtime!
A change in the weather now though, soggy and windy today!

sammy70

A soggy bank holiday monday.. cash and carry for stock, then a quite lazy day after all animals fed/watered etc.. the rest of the week looking unsettled weather wise, so not anticipating a busy working week...

sammy70

its been a very changable weather week.

Ending May with a mortgage balance of £107,471
overpaid in May- £1605.62 which is brilliant, we have worked hard to do this.
Planning saga all sorted, full permission granted, £2000 cost all in but its a weight sorted..

sammy70

Following the relief of the planning saga, ive decided to use up my savings pot to overpay the rest of 2025 overpayment allowance of £5596.44! 
The new balance is now £101,353.67, yey!!

this means though no more overpayments this year unless i want to incur EPC..
This is the first time ive ever completed the annual overpayment allowance, and in June!

 Im going to use up all spare cash usually sent to the mortgage to rebuild my sinking funds account again..

sammy70

Been a busy few weeks! My little cafe has been busy with the lovely weather we have been having!

Mortgage balance- £100,281.80, we cant make any more overpayments this year, but cant wait for 1st Septembers payment, which will see us go below £100,000!!

August has been an expensive month, we bought winter fuel in- £2000, ive built our electric account credit up too to cover next 6 months..
Car tax and mot
New card machine/gas service/ extractor fan/table and chairs for cafe, plus cost of online training, its a goog job ive been busy o cover that lot!

House work has been neglected due to me working 6 days a week, my day of is stuffed with everything i cant fit in the rest of the week, but i will sort this after the summer rush, hoover and wipe round for now will have to suffice!