our forever patch challenge

sammy70

hello diary! another £10 paid to the mortgage today..

feeling all:xmastree:

X SammyX

:xmassmile

alwaystryyourbest

Hi sammy just read through your diary. ,well done on things so far..
One thing I have started to do it buy loads of bread and milk and freeze them,that way I don't just pop to the shops and spend more on other things.
Just by doing this I have saved loads off my shopping bill..

sammy70

Hi Alwaystryyourbest! love the name !

Since setting my target, im amazed at the difference you can make to the grocery spends by avoiding nipping to the local shop for bread/milk, which usually leads to buying bits and bobs that you dont need! i reckon i save at least £25/£30 a week towards overpayments by doing a list before the weekly tesco shop, getting everything for meals/pack lunches for all the family, and enough bread, milk and fruit for the full 7 days.

It takes a bit of organisation, meal planning , going through what we have etc, but the savings are worth it, and do make a dent in the mortgage balance!

X Sammy X :santa2:

sammy70

Hello diary, made another overpayment today of £30, saved from shopping budget/penny watching..

Thats a total of £44.79 overpaid in December, must keep the momentum up!

To motivate myself, i look at property sites, and look at properties we hopefully will be in a position to have when we are free of this mortgage ..

Really need to complete xmas shopping :xmassmile

XSammy X

sammy70

hI diary, not a lot to report,a NSD , nearly completed xmas shopping, looks like coming in on budget too..

X Sammy X

sammy70

Hi Diary land!

Todays offerings toward mortgage freedom..

sold dress on fleabay, £56 towards mortgage !

NSD other than postage for dress.

Looking good for this months savings target, and all this months fuel paid from my overtime.

X Sammy X

:xmassign:

sammy70

:xmassmile

Todays offerings towards our mortgage freedom/ savings targets..

Started 2014 sealed tin savings, plan to save any£2 coins, and any leftover £1 and £0.50ps from grocery spends.

Re-gone over 2014 budget, including savings challenges.

We get paid xmas eve, looking forward to seeing how much is left after bills/ savings pots paid to allow a mortgage overpayment, will update then!

X Sammy X :santa2:

sammy70

Hi diary land!

pay day tomorrow, received our payslips today, so heres our December savings/overpayments after the budget..

£736 to house savings, total now £5,708 !

£250 to emergency fund- now £2000
£140 to horse savings
£183 to hubbys classic car savings
£125 to diy fund
£443.35 mortgage overpayment

total saved inc overpayment to mortgage= £1877.35!

Now entering month 4 of our 36 month challenge, January is going to be a long, frugal month. Need to keep focused on our dreams and keep our motivation through this long wet month!

Happy xmas everyone, back 2/1 to update mortgage balance on signature after d/debit and o/payment ..
X Sammy X

sammy70

:j Hi diary land!

hope everyone had a lovely relaxing xmas..

Already looking forward to next years challenges on the path to forever home ownership..

On the savings front, put £150 of Xmas money into my horse savings, now have £750 in total in that account

Going to have a nice walk to burn off excess xmas calories, may even go on the route past the cottage i drool over, its exactly what we are aiming for, stable, workshop, small field, i can dream!

Have a lovely weekend everyone, nearly new year resolution time!

X Sammy X

nattypants

Hi Sammy - delurking to say that I really like your diary as it's got the 'feel-good' factor:)

Also, you're doing brilliantly!