our forever patch challenge

sammy70

A stormy day here, seems to be the theme of this season..

Hubbys day off, we have just been and collected the weeks animal feed and bedding so thats one job less.. The animals are fed up, they arent fans of heavy rain and wind poor things.

 I had arranged to meet up with my niece to go riding today, needless to say we cancelled after seeing the forecast..
All the gifts, mainly cash, are sorted along with a few bits, so other than the christmas food shop we are all set financially for December..

We are having a quiet stress free one at home this year, ive had a few health issues this month, and to be honest i just thought for once im having a break from arranging the family get together. Last years was stressful and a little annoying to  be honest, and cost a fortune so i though !!!!!! it im not bothering this year.

sammy70

mortgage balance £93,000

December continues in the mild/wet/windy theme, though this morning is dry atm and no high winds forecast until teatime!!
Im enjoying my time off now, it takes a couple of weeks to get into the new relaxed routine, though it will be hard getting back into work mode too after a few weeks off!

Right, off to muck out while the sun shines!!

sammy70

Right, ive set my 2026 financial targets!
They are a bit challenging, but lets see..

Reduce mortgage balance to £65,000 by new years eve 2026- todays balance £93,000
Save £20,000 in my isa , im using this for my pension pot..

Happy christmas 2025 to everyone, heres to a happy and healthy 2026 x

Jessy103

Good luck with your target for 2026, you got this 💪 

Merry Christmas and Happy New Year 🍾

sammy70

thank you Jessy103 
Merry christmas and a happy new year to you too  x

sammy70

its christmas eve eve, and i think the sammy household is sorted- shopping done- presents bought, and other than taking dad for a hospital appointment today, hubby and i have 3 days together to relax..

Im looking forward to some time together with my little family, we have both of then for christmas eve and day, cant wait 

sammy70

well we had a lovely family christmas, just relaxed and stress free! all food was lovely, everyone happy with gifts, what more could i ask!
today im just planning on a house tidy, hoover everywhere, clean bathroom , i will do proper clean next week once the christmas decorations put away.

sammy70

Happy new year!!  lets hope 2026 is a happy healthy and stress free one for us all.

My mortgage balance today- £92,401.38 after the £401 38 interest for December has been added.

My business re-opens 23rd January, as hubby is doing some improvements, and i have a couple of hospital appointments that clash with opening times. I thought rather than stress, id just delay opening, the weather for the next couple of weeks doesnt look good anyway.
Im going to try to reduce overthinking and stress in 2026!

South_coast

Good luck, Sammy. Both the financial and non-financial targets sound great 👍 

sammy70

mortgage balance £91,401.38 after standard payment and overpayment today.

Its freezing this morning, and we have a light covering of snow.