our forever patch challenge

linz

That's ace - how are you going to celebrate on 26th, have you thought about that yet ?

sammy70

Hi Linz, thanks for dropping by!:)

I have planned our celebration, ive booked us into the country inn we stayed in after we married for the night on the Sunday, 29th. I've booked a holiday day monday, so we can have a lovely relaxing break, and plan phase 3 of our move to the countryside, which will be getting stuck into saving..:):)

sammy70

ppi Cheque cashed in yesterday, as soon as that clears next week, i will pay off remaining mortgage balance, the rest we will pay 26th :j

Its starting to feel real now, in less than 3 weeks hubby and i will own our home outright, its a good feeling :j

Over the last 3 and half years we have worked hard and achieved so much, which spurs us on knowing we can do the same again on our forever country home :j

sammy70

£1.93 from quidco, and £4.37 from halifax as i must have overpaid on the loan. These have been transferred to my ISA for the moment

I am working on our new targets starting 1st July for savings/p.bonds.:j

i love setting goals , it keeps me motivated when i have days when outside influences get me down- bad day at work and other day to day frustrations out of my control:(

When either hubby or i are having a c*ap day we remind ourselves how lucky we are to be in the position we are- loved-happy healthy offspring- debt free- healthy ourselves(tho need to lose a few ponds:o)- and with a lovely exciting future together to look forward to :j

this time next year, if all goes to plan, we will be putting this house on the market, and in the exciting part of new home hunting! i cant wait!:)

Im going to keep myself occupied over the next 12 months saving every penny we can, we will need it if we end up buying the type of property we plan- a doer upper with land :)

sammy70

Imstill counting down to 26th :j

Today i paid £80 into isa saved from my weekly spending money, im already gearing up for our 12 month savings challenge :rotfl:

Im yet again going to try to concentrate on cutting back and losing a few 11bs, im fed up of half hearted dieting, i need to get motivated! ive put 14 lb on since we got married in September 2013 i want to get rid of the wobbly bits!

Heres to losing lbs, and saving £ss :rotfl:

sammy70

:rotfl:

Yey, paid £1800 ppi to the mortgage, just final £1700 to pay on the 26th:beer:

In the fat fighting front, went to a step/aerobic type class tonite, worked my wobbly bits!:rotfl:

sammy70

Just paid the last £1741.95 off our mortgage, and as of 4am 26th June 2015 hubby and i are MORTGAGE FREE!!!!!!!!!!!:j:beer::T:)

to celebrate, we are having a night away in our favorite country b&b sunday night, day off work booked for Monday :j

Next week will start phase 3 of our move to the countryside , which will be rebuilding savings, and complteing all diy required on this house to sell it for best price possible in 2016

I originally took this mortgage out November 2004 for 25 years, so with hard work and overpaying, we have paid it off 13 years early :T:j

gallygirl

Fantastic achievement, well done _party__party__party_

sammy70

Just logged onto my online banking, and im officially mortgage free, the mortgage account has gone!:beer:

Its strange but nice feeling to think for the time at least, we owe not a penny to anyone, and no one can take the roof over our heads, its a lovely thought..:)

Moving onwards, we have already made a start on our new house in the country 2016 plan, bought £200 of premium bonds last night out of money left after everything paid out, so grand total of £300 in bonds just £39,700 to save in 14 months :eek:

I dont beleive in setting easy targets, and this means so much to us both, all the overtime, saving and frugalness will be worth it, and with the odd small treat along the way of course!:rotfl:

Luckyinlife

Well done sammy may i as your age ?

the feeling must be amazing have you waled around the house yet thinking i own each and ever bit of this land and house hehe

amazing diary as well stared 2 years ago at 40k and youv smashed it already wow :]