our forever patch challenge

sammy70

Monday, and back to work, but a 3 day week for me! on holiday thursday and friday, and away with lovely hubby snuggling, country walks, log fires, lovely food and drinky poos, cant wait:j

Premium bond result day tomorrow, fingers crossed for a birthday win!:)

Luckyinlife

Happy birthday :]

Good luck on the PB as well it all helps don't it :] Do you have yours payed back in or to the bank account

sammy70

Thanks Lucky!

No win on the p.bonds this month sadly Yes, any winnings i have paid into our current account, then in the past i used for mortgage overpayments, now it will go for new home fund

Luckyinlife

Aww nice
I didnt win any PB this month either first time in 5 months i haven't won a £25 grrrr

sammy70

Never mind Lucky, it will be our turn to win in December

My dad won £500 last month, £50 this :j he wins nearly every month, but he does now have the £50k max amount, so i suppose a lot more chances, but it shows premium bonds appear to still be a lot better than savings accounts at the minute:)

Its my 45th birthday today, ive been spoilt rotten, loads of cards and lovely pressies, and in a few hours hubby and i are off for a couple of days to our romantic rural retreat, i am so lucky !

pink_poppy

Happy Birthday ~ have a lovely day!! :bdaycake:

sammy70

Thank you poppy!

I had a lovely birthday, my family and friends really spoilt me this year , i m so lucky

Our long weekend has been totally relaxing, back to reality, and a few costs this month- car need work- £410 :eek: house insurance due, tonites job is to seek cheaper quote
Also, yesterday had emergency dentist appointment, broke a tooth eating a plum!:( my body is dropping to bits now im 45! lol

So, im working a budget to sort the lot, im considering using bonds to completely clear diy loan, and then between now and house move we can just concentrate on building savings/bonds back up, in time for our move hopefully summer 2016 if all goes to plan! :j

sammy70

Sorted house insurance, £70 cheaper than renewal quote, and i get cash back with quidco, and a free Brian toy!:j

Tommorow withdrawn bonds should hit account, so paying off £6094 left on kitchen loan, paying off c/c, used for car-£407, annual insurance=£119, put xmas money in hubbys isa- £2000. Then plan is to get stuck into savings, to repay horse fund/hubbys car money- which we used towards paying mortgage off in June 2015, and also we ope to save a little extra for moving costs/diy on new house etc

Will do full plan/budget tommorow night:j

sammy70

Well, last ight i paid off the diy loan- £6094, the car cost-£407, house insurance-£119, and £250 weekend away costs.. so debt free once more! :j

£1000 transferred to hubbys isa, on pay day just the other £1000 for xmas fund to go also to isa until end next month, and then the fresh savings challenge 2016 begins :j

im leaving my target as £35,000 for end August 2016.. i love a challenge

so, here i go again, bonds stand at £500.. £35,000 here we come!!:rotfl:

Luckyinlife

nice work sammy :] You must have a nice kitchen :]

PB are great i love checking them every month hehe

Where is your MF badge ?