our forever patch challenge

sammy70

Happy halloween!!:eek:

All savings targets met this month again.. We have done well ! its my birthday next week, so atreat in store this weekend, a night away in our favourite romantic hideaway, cant wait! :j

Next weekend we are having a family meal out at another favourite of hours, the country pub where my hubby proposed the food is gorgeous, and the lovely small rustic building is so romantic.

So a lovely week ahead for me!! yey!! then its back to concentrating on next months savings target

sammy70

Had a lovely weekend, indian and film saturday, night away in our favourite romantic getaway sunday, monday birthday shopping and country walk, bliss!!

Its my birthday today, but as we had all special treats at weekend, its a work day, but been a good day. Going to check premium bonds tonite, see if we are winners, wouldnt that be a birthday treat :j

We are back on track with super savings to get this mortgage cleared for 1st August 2016

sammy70

We have won £25 again this month from our premium bonds!:j im pleased so far, much better than savings interest for same amount..

AND hubby won bonus ball rollover at work last night, so £80+ to come from that, it must be our lucky week!:beer:

We have heard from our PPI claim this week, hubby will receive cheque for £2588 in the next few days, so that will be going to mortgage savings too:T

All in all, this has been a good week for our bank balance, long may our luck last!!!;)

gallygirl

Great stuff :j:j:j

sammy70

Wet soggy day today, was at work so didnt really spoil anything:o

Cheque arrived for PPI, today, thats banked and will go to savings as soon as cleared

Today as we had extra cash, we paid £100 mortgage overpayment, i couldnt resist :rotfl::rotfl: sometimes, even though the premium bonds/savings are growing well, and the mortgage rate is so low, its really therapeutic to pay summat off mortgage

Mrs_E_3

Belated Happy Birthday and well done on the lottery and premium bonds wins.

sammy70

Thanks MrsE !

We are out for family meal tonight, i'm really looking forward to that

Hubby and i are making a real effort to diet , ive been food shopping today, not a single item of cake/biscuits/ sweets bought, i'm so proud ! lets hope we can get rid of some blubber for xmas, i need to lose 10llbs, so meal tonight, then we get stuck into the diet!!:)

sammy70

Diet going ok, managed not to buy any naughty treats, and went to a class at the local gym last night, trying to aim for 2 classes a week to tone up my wobbly bits

2 NSD on the trot, probably due to the new no fattening treats rule!:)

Shopping budget on track, this weeks meal plan done

I've started xmas shopping, hoping to get organised well in advance to avoid stressful last minute panic shopping with the hordes, and we don't plan on going over the top, our offspring are mainly having cash, so parents and each other to get gifts for ,

sammy70

Nearly pay day!:) Tonight im working out our budget for the month. We have done well on groceries/savings, all on target:T

Ive been thinking of a challenge for next year to keep us on our toes for mortgage freedom.. Ive been toying with the idea of trying to save the premium bonds, but also trying to pay the 10% allowed per calendar year off the mortgage.. mmm i think i will ring halifax tomorrow so see if its 10% of the balance 1st jan, i know its per calendar year, i don't want to go over the allowed amount and end up paying a penalty!;)

sammy70

rang Halifax last night, found out we can overpay 10% of the outstanding balance as of the 1st January, i intend to do this, in monthly lumps, so that my 2015 challenge sorted! :j