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our forever patch challenge

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  • sammy70
    sammy70 Posts: 1,009 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    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 2025
  • Jessy103
    Jessy103 Posts: 2,250 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Hope your back is all better soon x
    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!
  • sammy70
    sammy70 Posts: 1,009 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    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 2025
  • sammy70
    sammy70 Posts: 1,009 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    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 2025
  • South_coast
    South_coast Posts: 5,888 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    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 x
    Mortgage 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!!!
  • Jessy103
    Jessy103 Posts: 2,250 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    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!
  • sammy70
    sammy70 Posts: 1,009 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    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  <3
    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 2025
  • Jessy103
    Jessy103 Posts: 2,250 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    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!
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