our forever patch challenge

sammy70

Got up early and mucked out horse, and fed all the mouths, before hubby got back from work and we had boiled eggs and soldiers together, i love an early start..

Overpaid £55 today from an account tidy/ this weeks saved bits and bobs :beer:

Im aiming to pay the interest following your method a frayed knot, so this is a good start for the week

Having a family tea for my birthday which is monday, but the offspring are working then, so today is best..

Ive allocated a savings account to keep tillytidies in, and plan to make a weekly overpayment, alongside hopefully a bigger one on payday.. thats the plan anyway!

Have a lovely weekend everyone, best get some jobs done before i relax and have a catch up with my children later

A_Frayed_Knot

November is off to a great start on week 1 for you.

Hope you have a lovely birthday tea and get lots of lovely pressies.

sammy70

:)Had a a lovely weekend and birthday, cant believe im 48!!!:eek:

Hubby got some fencing completed as the sheep had found a way to scale a stone wall the little b**gers!! good job we love em!:rotfl:

i had a lovely ride , then got back and we had bonfire of a massive pile of tree branches and other garden waste, then we had tea, followed by rasberry gin and tonics for me (birthday gift) and birthday chocolate while snuggled up together, a perfect birthday :j

had a lot of bits to buy this month, fencing. guttering etc, so extra to pay on c/c come payday

Will have to be super careful till payday, so i can clear the extra and still overpay..

sammy70

no overpayment this week

But budget not going to bad, but extra £600 spent on various items this month, guttering, fencing, and a couple of other needed items, so will be extra careful now as this needs to be found in November pay, and i really want to make an overpayment on payday, hopefully with what ive already paid this month, enough to pay octobers interest, lets see..

Thick_n_Thin

Ive just finished reading your diary from the beginning and I’m in awe of what you and your husband have accomplished! Your home sounds idyllic and you sound very happy! Well done and I look forward to reading more of your adventures!

sammy70

We ve managed an overpayment of £400 this pay day!!:j

we also paid the £600 overspend for this month back to the credit card

All xmas food/gifts saved for, ive started getting a few more bits this week, just stocking fillers as we are giving DD and DS cash as main presents so they can buy whatever they need..

new mortgage balance is £216,345 :beer:

I will update again once the interest and direct debit have been updated, im really pleased with this months overpayments, i want to be below the £200,000 mark by this time next year

Naughty horse has this week decided to climb up a bank, and then get stuck while i was mucking out. i heard a gentle thud as he leapt down from the 8ft stone wall onto our lane, luckily he was unhurt and none the worse for the adventure :eek:

The sheep have decided they are horses, and eat from his haynet, and canter along with him in the field like an herd of wild horses, when i go to bring him in they cling to his hind legs trying to sneak out of the field and join him in his stable, they are soo funny!:rotfl:

sammy70

Heres the updated figures/interest etc for November/December

Interest for November - £514.18
Daily = £17.13

Direct Debit- £1246.54

New balance- £215,612.64

Made £12.64 overpayment today

New balance £ 215,600 :beer:

Total overpayments to date nov 2016- dec 2018 - £1065.95

A_Frayed_Knot

sammy70 wrote: »

Heres the updated figures/interest etc for November/December

New balance- £215,612.64

Made £12.64 overpayment today

New balance £ 215,600 :beer:

:beer: :T

sammy70

Well im feeling a bit smug:) All xmas shopping completed!!

Just need to get shopping list for xmas/new year treats/meals for while we are off, not going mad as we want to get back on track 2nd January, so no buying tonnes of treats and then moaning because we have to finish them before we re-start healthy eating :rotfl:

Got my 6 year mse anniversary badge- how time flies! this time 6 years ago me and lovely hubby werent married, hubby and i were saving for our wedding , paying last of our old mortgage off, before starting saving for our dream home..

Sometimes i cant believe how much we have achieved in that relatively short time :beer:

Betterthanever

Happy 6 year mse-versary!!