our forever patch challenge

sammy70

Must update my mortgage figures after direct debit went out, just realised!!
We have has a hectic week, my car decided to die, so we have decided to buy a good reliable four wheel drive, this should hopefully last a few years, be more practical for living here with the extreme winter weather and be more useful for transporting bedding/feed etc.

We hadnt planned this, we were hoping my car would last another year or two, but alas such is life.. ive taken out a low interest loan :eek: which we can overpay, so i will be making overpayments on this alongside mortgage ..

This last week has been a whirlwind of work, mucking out in the rain, sourcing/buying/tax and insuring new car, and work is sooo stressful at the moment due to major staff shortages, thankfully we have another week off at the end of the month .im ready for it.:)

sammy70

quick update
interest for May- £516.28 :eek:
Daily £16.65 :eek::eek:

Direct Debit-£1246.54

New Balance- £209,709.74

sammy70

mini overpayment made= £9.74

Making the new balance a more rounded £209,700

We have had an expensive June.

My car going caput- new car/insurance etc

Sheep to pay for castrating next week- uplanned due to testicle reveal on shearing :eek:

Chimney pot requires replacing and repointing-£400

chunky horse new shoes

my hair cut and colour

Sons birthday cash and meal and nice cake

phew, thats enough to list.

We are off next week. Lots of chores to do

activate years free AA cover with new car

Get vet out to sheep

blacksmith shoeing poppo

and hopefully we will have enough dry weather to get some stonework done, we are way behind due to the constant rainy days

Im having early night as im shattered after early starts all week, and work been hectic with lack of staff

Anyway heres to a productive, relaxing and hopefully no extra costs week off

sammy70

All the tasks on my list completed, other than due to constan rain earler in the week we havent got any walling done :mad:

Yesterday was lovely weather, so we made a start on wood supply for winter stores, hubby has a saw that works through tractor attachement, i did stacking, so a useful task done, and if weather holds we can start wall today

payday today, £250 overpayment made- new balance- £209,450 :T

sammy70

What gorgeous sunny weather we are having, long may it last :j

The air is filled with the noises of birds singing, sheep bahhing and tractors baling hay this week, the sounds of summer :T

Work is crappy at the moment still, we are looking forward already to our next week off at the end of this month ..

Early night for me, want to get up early and have a little ride out with chunky horse before hubby gets home for breakfast.

Note to self- need to update mortgage balance/interest for June

sammy70

Heres End of June figures

Tnterest for June - £497.60
Daily £16.58
Direct Debit 1st July £1246.54
New balance £208.16 :eek:

Made small overpayment of £21.06 today

New balance £208,680

Total overpayments to date since mortgage started end November 2116 £11,822,77

sammy70

Well i spoke too soon on the weather! cloudy and rainy this morning..

Ive made a small over payment to mortgage, loan, and p.bonds today from my monthly spending money for July, as im using cash saved from groceries for my weekly spends cash

Im trying to get focussed a bit more on savings and overpayments, as even small savings and overpayments really make a difference to getting balances up/down.

We have a lot going on with building work/cars/animal costs etc this year, but i still want to continue with getting costs, loan and mortgage down, and premium bond/savings balances up..

sammy70

busy week, work been really stressful and its caught up with me, i was off ill with stress yesterday. Why does my employer think i can absorb two other peoples work as well as my own? and when you ask to discuss problems brush you off? :mad:

Enough of that, a lovely morning, birds singing, hubby due home soon so we can have breakfast together, then mucking out/housework/washing/date night and (hopefully) curry night (not in that order )
i know i could use the £20 to overpay, but im using my own spends, and damn it i need it this week after a crapperooney time with work.:rotfl:
We also thought our much loved chicken teresa was going to die this week, she was really ill, but after two vet visits, two lots of medicine and a 5 day course of antibiotics she this morning is looking a lot more like herself, fingers crossed she continues to get better.
I know again you could say spending in excess of £100 to treat a sick chicken purchased for £12 is crackers and not very financially savvy, but sometimes you have to think with your heart, and she is such a character and part of our crazy family and we love her xx

sammy70

just made £10 overpayment to make up for having takeaway tonight

try_harder

Sorry to hear that you have had such a stressful week I hope next week will be better for you and it wont be long until your break now .

Im pleased to hear that your chicken is on the mend , I felt like that when we had all our chickens they all have their own little characters.

By the way I can hardly believe you are on month 18 of 21 that time has gone by so quickly