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our forever patch challenge
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cant wait for next week to know where i stand regarding my job/redundancy.. im a planner, and this uncertainty is driving me mad!!
i pulled something in my back on friday moving stuff while housecleaning, and its agong! havent been able to sleep properly for 2 nights, think next week some luck must surely be due my way.. Hope p.bond win, , job secured, and sunshine for lots of riding for at least next 3 weeks- i dont ask for a lot do i!!current official end date of mortgage= 2037-aiming for 1st March 2029. mortgage balance start of challenge- 25/11/2016 £245,695 mortgage balance 05/06/25 - £101,353.67 2025 challenge- get mortgage balance to £95,000 by new years eve 2025, and a years outgoings in premium bonds after water system paid for
Make £11,820.96 in overpayments in 20253 -
Hope your back is all better soon xMortgage Balance as of July 2025 £14,900.
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!3 -
my sisters funeral this afternoon. Need to get through today, its going to be hard, as she leaves four grown up but young children behind, she was only 56
makes you realise you have to live your life and make the best of it, makes me realise how lucky i am to have the life i have
current official end date of mortgage= 2037-aiming for 1st March 2029. mortgage balance start of challenge- 25/11/2016 £245,695 mortgage balance 05/06/25 - £101,353.67 2025 challenge- get mortgage balance to £95,000 by new years eve 2025, and a years outgoings in premium bonds after water system paid for
Make £11,820.96 in overpayments in 20254 -
well todays interview at work seemed to go ok, just need to wait for the outcome now, they said should be end of week or early next before i hear if i was successful.
i feel emotionally drained after these passed 3 weeks losing my spaniel, then the redundancy, then losing sister, and the funeral yesterday was so sad, seeing her children all so devastated and lost, and my other sister being an ar*e with my parents and basically ignoring everyone over her petty childish opinions, it was a bad day
Now im going to try and put the last few days behing me, the worst is over im sure, time to try and look to the future and make the best of my life..current official end date of mortgage= 2037-aiming for 1st March 2029. mortgage balance start of challenge- 25/11/2016 £245,695 mortgage balance 05/06/25 - £101,353.67 2025 challenge- get mortgage balance to £95,000 by new years eve 2025, and a years outgoings in premium bonds after water system paid for
Make £11,820.96 in overpayments in 20254 -
That's a very positive attitude to take. Hope you get some good weather and fresh air today, it makes such a difference to mood.
Fingers crossed for the job xMortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!4 -
i got up at 6am, got the prince saddled up, and went for a long ride , it was gorgeous, sunny and quiet, the countryside is stunning around here at the moment, i feel so lucky
Got back, did a few chores, then went and collected some books from the library i had pre-ordered - before lockdown, ive got loads of good books to read now, i love the library
tonight i had an hour in the evening sunshine leading the prince around the secret garden as we call it, its an area all surrounded by woodland, with a lovely stream and what was solid brambles and you couldnt physically cross when we bought this house, but is now lush grass thanks to my months of bramble clearing, and the sheep clearing all the rest of the undergrowth.. my idea os heaven, just birdsong and munching horse ..
Just about a perfect summer day, i feel blessed to be here.
I needed a day like today to recharge my batteries.. lets see what the rest of the week brings, im feeling a lot more positive today, whatever happens with my job, i know we will get through this , as long as i can wake up here in this place that i love, life is good
current official end date of mortgage= 2037-aiming for 1st March 2029. mortgage balance start of challenge- 25/11/2016 £245,695 mortgage balance 05/06/25 - £101,353.67 2025 challenge- get mortgage balance to £95,000 by new years eve 2025, and a years outgoings in premium bonds after water system paid for
Make £11,820.96 in overpayments in 20255 -
Sounds idyllic, sammy! ❤Mortgage Balance as of July 2025 £14,900.
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!4 -
Thanks Jessy103, i like to diarise a lovely day like yesterday, so when im having a poo poo day i can look back and remind myself what its all for
Right- heres my July overpayments, and thanks to a surprise bonus, not much fuel costs, and generally being careful with all spending, we have managed to overpay the following-
mortgage total overpaid in July 2020- £724.62
Overpaid to the car loan- £592.64
The mortgage balance ends the month at £199,525
The loan ends the month at £14,770
Despite July 2020 being one of the most grief and stress filled months i have had in many years, at least one positive thing came out of it- our debts are reduced, we are a tad closer to financial freedom
Heres to a fantastic, happy, positive, joy filled August
current official end date of mortgage= 2037-aiming for 1st March 2029. mortgage balance start of challenge- 25/11/2016 £245,695 mortgage balance 05/06/25 - £101,353.67 2025 challenge- get mortgage balance to £95,000 by new years eve 2025, and a years outgoings in premium bonds after water system paid for
Make £11,820.96 in overpayments in 20254 -
well got news about job- i havent got it, and am now officially facing redundancy.
But- i,m starting my 11 weeks full paid notice- which ends 14th October, they are leaving me on furlough, then i get the redundancy pay out and holiday pay etc, which is around 6 months take home, so ive got a couple of months to enjoy my freedom on full pay, and after the initial panic of thinking - take any job- now!- i realised id lose my notice pay, so i intend being selective and applying for jobs that i really want instead of dead end ones that id hate and have to move again in no time.
Id already applied for one i really fancy- closing date monday, fingers crossed, but im not going to get down hearted if i dont get it, loads will be after every job with the amount of redundancies going on..
Ive asked for feedback off the new manager who did my interview, HR couldnt answer my queries, useless tbh. i think it was a points based paper exercise, they havent looked at the individual, and basically- honestly- theyve given the job to one of the laziest staff members, who is good at talking a good job to the management, but is a paper shuffling work avoider.. good luck to them i say- onwards to pastures new for me!current official end date of mortgage= 2037-aiming for 1st March 2029. mortgage balance start of challenge- 25/11/2016 £245,695 mortgage balance 05/06/25 - £101,353.67 2025 challenge- get mortgage balance to £95,000 by new years eve 2025, and a years outgoings in premium bonds after water system paid for
Make £11,820.96 in overpayments in 20255 -
Sorry to hear you didn't get the job but sounds like pastures new will be the best thing for you! 😀Mortgage Balance as of July 2025 £14,900.
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!3
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