our forever patch challenge

sammy70

The weekend is here, and we have a couple of days off work next we , not back until thursday:j

Today im doing household chores, then getting outside for a meander with doggy, followed by more weeding etc..

If the weather stays as glorious into the evening, im planning on sitting out with hubby, and having drinks whilst watching the birds and other wildlife go about their lives while we relax

Lights have been arranged tobe fitted end of June, so looking forward to seeing those up..

must crack on with those chores now..

chumpy45

Hope you are enjoying this glorious weekend. I have a lovely picture of you with glass of wine in hand enjoying the views. I loved the story of the honey bees. We have just discovered we have a wasp nest in the loft just above the bathroom. They keep appearing through the light fittings in to the bathroom. A little job to tackle next week I think!

sammy70

Thankyou Chumpy!
Weve has a fantastic few days off, back to work tommorow

We have sat out at night with a drink, and hubbys nightvision binoculars, a real eye opener!:) whilst keeping an eye on our bonfire burning all the undergrowth we have managed to clear.

We saw bats, insects, and a strange bird kept flying low over us, making a really weird sound like a spaceship?? we are looking online to tty and find what this bird is, its the weirdest sound weve ever heard..

Good luck with getting rid of your wasps Chumpy, we found a huge wasp nest in our work shop when we moved in, lucky for us it was empty

sammy70

The standard mortgage payment of £1208.83 has gone out

Monthly interest for May= £433.03

Daily interest= £13.96, we are out of the 14's:j

Overpaid standard £150

overpaid extra £224.20

This leaves our outstanding mortgage balance of £237,200

total overpaid from 25th nov 2016- today = £2,606.57 :j

We are in super frugal penny watching mode saving for the new workshop roof, we plan to get this done at the end of july.

Im doing careful meal plans, which hopefully will also help me watch our calorie intake, and help reduce our excess llbs!:rotfl:

sammy70

A glorious day!:j

Had my hair cut and coloured this morning, so no longer look like a cavewoman:rotfl:

Im currently half way through household chores, then its outside in the sunshine, getting stuck into some weeding and trying to light the damp bonfire consisting of last weeks weeding/land clearing efforts.. cant wait till we have animals to eat all the grass!!
We are sticking to our meal plan, and im hoping totry and make another overpayment next week, using cash saved from spending wisely on groceries, all other excess cash is going to our roof fund.:)

Have a lovely weekend everyone!

sammy70

made an overpayment of £250 today , this came from savings, i had a crappy day, so organising my finances for the next month, and making this overpayment made me feel a lot happier!:beer:

The new mortgage balance = £236,950 :j we are in the £236`s!!

Total overpaid nov 28th 2016- today =£2856.57
average overpaid per month =£408.08 :j

I hope, after 1st july direct debit has gone out, to have enough saved to make another overpayment to take us down into the £235's..:)

chumpy45

Isn't it funny how all we MSErs all feel happier after OPing or doing a little bit of spreadsheet fiddling :rotfl: Well done for being in £236s :T

sammy70

Thanks Chumpy ! you are so right, when im feeling negative/fedup/whatever other sad mood, making a small overpayment, and organising and being in control of our finances always makes me feel better, i guess its probably because whatever other crap life throws at us, that we cant always control, doing a small positive thing that we can is a comfort

Anyway, feeling a lot more positive today, even though its raining, and i have a couple of hours of house cleaning ahead of me.

This morning, on and around our bird feeders, i have watched the following- mum and dad, now joined by babies (as big as the parents now) woodpeckers, coal tits, blue tits, along with their many fledglings, blackbirds and youngsters, chaffinch families x 3, bullfinchl pair, 2 grey squirrells, and a first for us, the biggest baby jay, really lovely, no parents to be seen though?
We are so lucky to witness nature like this, living here is everything i dreamed it woud be , and more:)

On the moneysaving front, im being super organised, july budget already done, im trying the cash budgetting system for rest of this month for food/petrol/ spends, im determined to stick to our budget for the next few months, and get the workshop roof completed, the outside lights fitted, and start saving for 2018 .projects..

im just waiting on our paydays now to shuffle the cash around to cover bills, and savings .

Heres to a moneysaving, happy sunshiney week ahead :beer:

sammy70

Im nervously awaiting the outcome of my little cars MOT tommorow, im hoping it wont comein over £200 budget ive allowed for it, i know a couple of bits want doing..:eek:

Ive just been watching the bird feeders, and hubby had but some upturned shooting clays left by the previous owner , he filled them with water, and the blue tits love them for little individual baths! so cute

On the money saving news, ive found out today a payrise is coming my way this month, backdated to 1st May, £1500 per annum increase, so that will come in handy for savings/overpayments :j

Every day i count my blessings to have come so far, and to be happy here in our lovely countryside home, with the man i love. with so much sadness and horrific things going on in our country at the moment, we should all take a minute to count our blessings, tell our loved ones we love them, give them a hug, we are the fortunate ones..

try_harder

So beautifully said sammy70 and so very true ,life is so very precious and we never know when it might be taken away from us .Stay happy ,love reading your posts .