our forever patch challenge

sammy70

Done the payday shuffles, and heres the figures..

£350 overpaid to the mortgage- new balance £204,000, total overpaid 25th nov 16- 25th nov 19= £13,530.33 :T

£183.52 overpaid off the car loan- new balance £14,000

£100 to xmas savings

£100 to emergency fund

£65 to DIY savings

We have had a good month, the weather with the constant wet/mud/rain/short daylight hours, has meant not a lot getting done outdoors, but managed a lovely ride on my fluffy chunky cob on sunday

Next week im planning on drawing my xmas savings out of the premium bonds after the draw on the 1st December, and we are going to get gifts sorted, and do the xmas food shopping list..:)

sammy70

my diary has been negelected this month.. its flown by, we have sorted gifts for family, just a few to drop at my parents tommorow, one to drop at a friend of ours, then we are done..

i plan on an early ride as my horse needs to get out for some much needed exercise (me too), then mucking out/feeding of the animals, housework, then pressy drop/visiting, and then snuggle up with hubby..

we get paid next week, me xmas eve, hubbys last weekly pay of 2019 on 27th, i will do an update then, and look at starting my budgeting and overpayment plan for 2020 :j

its been a good year, its flown by though...

mortgage stands at £203,200 today, not going to get to £200,000 for xmas, but not too bad, considering outgoings this year..:)

sammy70

Had a great xmas, lovely food and lots of lovely gifts for everyone :j

Back to work tomorrow , but early finish 31st next week,and of course 1st Jan off, so a couple of days to ride and relax

Looking forward to 2020 ,all our plans for getting tasks done here, getting stuck into saving for our projects, and of course our reduce the mortgage to £180,ooo by my 5oth birthday challenge.:T

sammy70

right, paydays been, all direct debits/ costs covered.

We have tidied all accounts, and have overpaid-

£700 off car loan- now £13,000

£400 off mortgage- now £202,800 :beer:

£170 put aside- vet bill yet to arrive- had him out to check chunky cob, hes ok now!

£100 p.bonds bought- balance now £6,200

total overpayment to date to mortgage- nov 16- dec 19 = £13,968.44 :T

sammy70

Mortgage interest for December- £498.17

Daily - £16.07

Direct Debit- £1246.54

New balance= £202,051,.63

Overpaid £51.63

New balance= £202,000

sammy70

just overpaid £100 to mortgage, new balance £201,900 :j

Also bought another £300 of p.bonds, and paid £26.71 off car loan, which now stands @ £12.700..

All this came from overtime worked over xmas by my lovely hardworking husband

A_Frayed_Knot

Well worth all the hard work.

That 200000.00 is in sight :beer:

ps - I would be tempted, once paid down to that, for at least an hour, then o/p £1 as couldn't resist
getting into the 1's :rotfl:

sammy70

Looking forward to paydays, and making another overpayment, its been a long month..:)

Just cashed in £31 from q.co, hubby got £66 from work lottery yesterday for 2019 winnings at his old workplace, so this cash will pay for next weeks shopping and fuel :

last week i used £75 gift voucher from work- my xmas gift - at icelend, filled freezer/topped up pantry/fridge, so another bonus which has helped get us through January without going over the food budget..

ive meal planned right up to the end of January using what we have in, only fresh bits /dog and pet food to buy , so a good start to the 2020 savings/overpayments :beer:

sammy70

overpaid £250 :beer:

New balance £201,650

total overpaid to date £14,370.07 :T

sammy70

the interest for january was £494.89

Daily - £15.96

After the direct debit, our outstanding balance is £200,898.35 :eek:

this is our last month in the £200s :T