our forever patch challenge

sammy70

Mortgage balance £91,380
overpaid January- £133.70

0 paid to ISA as no allowance left until after  5th April 2026

We have had 10 days of freezing weather- sheet ice, then snow, than frozen snow and ice, then after last nights strong winds and rain, this morning most of the snow has gone, just a large area of ice in the yard, meaning i had to cancel my am dentist appointment.

sammy70

went out this morning at 7am to a sparkling frost, everything frozen - again. Im so looking forward to daylight again when feeding the sheep/horse and releasing the hens to their free-ranging!
Its that time of the month when not a lot is happening financially, im considering going back to weekly rather than once a month budget, i think i have some sort of obsessive need to be doing something towards savings and overpayments, and once a month overpayments just are not enough for me! is anyone else like that? or is it just me..

South_coast

Yes! I think there are plenty of us like that on here!

sammy70

ive caved in- going back to weekly budget and payment allocations!

total overpaid in January- £1133.70
Mortgage balance- £90.380

sammy70

mortgage balance £89,780
Total overpaid in January- £1633.70

sammy70

Mortgage balance £89,280

Total overpaid in January- £2233.70

Tankerman24

wow just been reading through your thread , your doing brilliant. wishing you all the best.

sammy70

standard mortgage payment made £887.68

interest for January was £391.81, daily £12.63

Balance £88,784.13

February is looking like a productive month, two new wooden gazebos ordered today, so hopefully by the end of the month these will be installed replacing the old canvas ones, meaning no more having to close my little cafe when strong winds are forecast.. a bit of an expense, but im hoping being able to open more days will balance this out..

sammy70

a win of £50 each for hubby and i on the p.bonds, so not retiring this month! though every little helps towards mortgage freedom!

sammy70

white over here this morning! beautiful to look at, but a pain when you have to go out!

Sheep and chunky cob fed and chickens let out to free range. Chucks not impressed with snow, they hate it.

Im writing February off cafe opening wise, no break in sight of the cold/wet weather, so im concentrating on getting new wooden gazebos set up, getting everything ready to open first week in March.