our forever patch challenge

sammy70

had a lovely evening ride last night, other than a little fly going straight in my eye  i suppose the fly wasnt happy either 
not a lot happening today, mucked out in the rain, which seems to be slowing now, hope so as i have a couple of loads of washing to do!
need to get back on track with the grocery budget, one shopping trip a week!! also due to the extra shops ive managed to get extra treats, so the waistline is expanding.. need to  cut out treats other than the one a week- saturday treat night-  otherwise i will be like the michelin man- poor horses back will be like a bannana 

sammy70

a lovely sunny day! washing is blowing in the wind..
Had an early morning ride, the heather is so lovely at the moment, all the gorgeous purpleness! its starting to look like autumn isnt far, the hedgerows are getting full of blackberries , and the nights are drawing in, it was nearly dark at 9.15pm last night, though the wet weather didnt help.
Made a couple of teeny weekly overpayments the last couple of weeks, mortgage is £198,700, and loan £14,600 after todays teensy payments 
i did my weekly shop yesterday, and also topped up my car with fuel, and bought a couple of bags of horse feed.. thats everything for this months budget, next week is pay and budget day, when it all starts again! 
Have a lovely money saving day everyone..

hugglemonster

Wow the business plans sounds great, good luck with it all.

Hope sheep is getting better.

H x

A_Frayed_Knot

Sorry about the job, however things will work out for the best.  It's amazing how peopIe who have a good talk and no actions, are never found out, as you say management will turn a blind eye and always someone there to pick up the slack so they don't get found out.   always wanted to own a shop, made redundant at 22 and went for it, the redundancy payment helped.  So good luck with yours, can't help thinking about the "vin de van" or similar on the Chateaux when Angel bought a van and transformed it into a bar for weddings, events etc.
Nice win on the PB's - how long have you had them for?  Still can't get over the fact badmemory won twice with the same no. - you know how I'm into numbers - preferably 00's 
Lol - about your comment your Prince having a back like a banana . . . 
Have a lovely weekend and Good Luck with your new business.

sammy70

Hi Frayed Knot. Ive had premium bonds for years on and off. Ive always used them for saving for things, like when we were paying the mortgage off on our previous house.. we saved up until we had enough to clear it, as we both worked for the same company we also saw it as a safety net in case the business went under or something..
At the moment our bonds are our emergency fund.which im so glad we have saved, as we would have been up the poopy creek without them 
In business news, my icecream trailer has been registered with the council, and is awaiting inspection.. ive bought some vintage signs for the business which match the trailer.. its rained nearly everyday since i bought it, hope this isnt a sign of whats to come, dont fancy selling icecreams in the rain.. dont think id sell many somehow.
Im awaiting permission to trade from the council before i purchase my  catering trailer now, as its such a large ammount of money, i dont want to spend £1000s on the business only to be told im not allowed to trade. I wouldnt be able to re-sell quickly, as with everything thats going off people will be selling up not buying businesses..
its annoying all the hoops you have to jump through just to make a little business set up, its getting late in the year, and time isnt on my side before the weather starts turning and footfall really drops down ... i will just have to wait for the councils decision i suppose.
i may have a part time job thanks to a friend recommending me, to a farm shop that does food and sandwiches etc at lunchtime.. i have to go for a chat tommorow, im hoping it will give me some valuable experience, thats if i get it.. dont know the hours/pay or anything yet..

sammy70

ive not made any additional overpayments this pay day, but ive literally scraped all the spare cash to pay off the cc, which ive used to buy signage, pay for preplanning permission to trade, online course, and the icecream trailer itself, so over £1800, which i had planned on taking out ot the bonds, but thankfully ive not had to. 
im determined to keep to my budget, we will get through this financial bumpy road.. 

A_Frayed_Knot

Not been on many walks in the countryside other than ones near where you can get lunches etc.

Not sure how far your ice cream trailer is from your house, however I do see signage, asking to ring a bell, or approach the farm.  Some may welcome some home made soup or a hot chocolate before carrying on with their walk.  I have see some which sell home made gifts etc as well.

Exciting stuff.

Jessy103

Good luck at the farm shop, Sammy! x

sammy70

thanks jessy and frayedknot. agree soup and hot chocolate a good idea for a cold walker! 

sammy70

i got the farm shop job, so i can gain plenty of experience in catering before deciding to go full time myself at it!  so thats my 'bread and butter' money sorted, as the wages are good! 
my plan is to do this job, along with selling ice creams, hot and cold drinks and snacks at home , though still not heard from the council re permission, they are a pain, will ring them this week.. as the weather is turning soon, we may be forced to launch the home trading until spring, which i suppose will give us time to get the area prepared where i will be working from