our forever patch challenge

try_harder

It certainly does all add up over time ..I hope I can do as well this month , I am hoping to save a lot by cutting down quite radically .You are doing really well as always

sammy70

Thankyou tryharder, if anything, being  on furlough and all the uncertainty around employment has boosted my determination to get the mortgage paid off 
i know its a marathon not a sprint, but im enjoying the challenge to budget and make even small overpayments..
Right, ive checked and the mortgage account has update, so heres my updated figures..
Interest for June- £476.02
Daily - £15.86
Direct debit- £1226.40
New balance- £200,249.62
Ive just scraped accounts/overpayment accounts- and overpaid £249.62 
So, im starting July with an exact neat balance of £200,000 
So this month, we will be in the £100's! yey back on track..
Just need to sort job now...
Total overpayments to mortgage in June- £353.87- my challenge to myself- beat this ammount in July !!

try_harder

I know exactly what you mean , I feel the same too with all the uncertainty and I also think that at least its one thing I can have some sort of control over whilst everything else going on around us is really out of our control.
That will be very exciting to actually see that number starting with a one ,you have done so well coming down from 245 

South_coast

You also know 100% what an outcome of an OP will be. There's not much else you can be 100% sure of these days!

sammy70

You are so right southcoast!
Ive read your diary up to date this morning, so sorry to hear about your pending redundancy..
Im awaiting to hear if im in the same boat- pretty sure i will be tbh.. but the waiting is torture, i cant plan anything.. As ive worked for the company over 11 years i will get enough to cover a few months salary, but spending savings that are so hard to build is awful, but i suppose  we are so lucky we have an emergency fund to fall back on..

South_coast

Thank you x

I'm definitely glad of my savings in the bank right now, even if I did go about getting them in a quirky way! Fingers crossed you get a decision soon either way

sammy70

Well another wet day!
Looks like house work day, might as well get it done while the rain is here, hopefully the weekend will be half decent, if it rains only half a day i can get out on the prince for a ride out in the lovely countryside 
Another vet visit today- my old spaniel keeps going over on her front leg, due to arthiritis.. i dont want her suffering. she is already on strong painkillers all the time, but seems to have gone back to the legs giving way..
Also, he is coming to look at the prince, who has a hacking cough and other allergy like symptoms, have to see what he is given for that! animals are expensive- good job we love em 
Hopefully next week we will see animals in better health, and some better weather 
nothing to report on overpayments, as i wiped out all spare cash, including my personal spends, to make the £249.62 payment to bring the mortgage to an even number the other day  , it was worth it 

Jessy103

Hope both your furbabies are ok, sammy!

sammy70

Good morning everyone..
We have had an unproductive morning trying to get the sheep into a borrowed trailer 
A new neighbour has kindly offered a lovely field full of grass to use for a few months, but we have to get the little gits to get in the trailer to take them to it.. attempt number 2 will be at feed time this afternoon.. rest of week will be a no no as the neighbour is having concrete laid tommorow, so after today it will be saturday before we can take them.. if only they knew what they were missing 

sammy70

oh, update on the princes vet visit- he just has a mild allergy, which after the visit hasnt arisen , probably due to the constant rain 
doggy is on a course of steroids to see if that helps her front legs with the arthiritis.. but yesterday she decided to walk straight in front of the prince as he headed for his food, and managed to get her back paw stood on, so now she has one good leg out of four.. poor lass.