our forever patch challenge

A_Frayed_Knot

Thanks, I was eagerly waiting for the results to come out, and before I checked them, I had 3, yes 3 !!! e mails from PB's.

I did think, surely not . . .  no way could I have won on the first month's draw.  Yeah, I was right - it was just emails regarding the new bonds I had bought recently.

sammy70

paid £40 off mortgage, and £30 off loan after hubbys wage gone in, a little extra this week as he worked bank hol for extra pay  my new job is going ok, im still feeling the new girl syndrome though, i will feel better once im upt to speed with everything..
no news still from council, they are cr*p!!
poor horse still suffering with laminitis, he is still in his stable on painkillers and a deep bed of shavings. The vet is coming to xray his feet saturday and do some blood and sugar reaction tests, hopehe improves soon, i hate seeing him in pain 

Jessy103

Hope horsey is all better soon 🙂

sammy70

thought id better do an update!
Horse is getting steadily better, though a drastic diet and exercise regime is going to have to happen. He has been diagnosed with equine metabolic syndrome, which is a bit like diabetes in humans.. it will be a long and ongoing lifestyle/diet/exercise programme, but his health will improve though he isnt happy with his high fibre/no treats/ no extra feed diet..
This month ive made overpayments totalling £189.73 to the mortgage, and £178.47 to the loan, not bad considering all the extra bedding/vet etc costs, though i should get a lot back from horse insurance soon i hope..
mortgage balance at £197,840 today
Total overpayments for 2020 stand at £1898.29, total Dec 16 when we started- to now are £15,766.73, which avarage £342.75 a month over the 46 months we have lived here, not too bad considering all our outgoings 
Hubby and i are doing stoptober, for both health, weight loss and money saving. We both have said we will make it permanent if we can go the month, as we both arent big drinkers, and we both are trying to lose weight. Horsey will be starting his exercise regime in a fortnight-once he is sound and off the painkillers- in hand walking to start- so we are going to exercise with him, a family fat fighting mission! 

sammy70

What a lovely sunny morning! 
Have mucked out the horsey prince, he is now munching on his soaked (to reduce sugar) hay, fed the birds and chooks, hoovered and mopped round, now im off for a small weekly shop and fuel hubbys car, and get animal feed..
Hoping to make one more overpayment for september tommorow, depending on how much i save on groceries today, and an account tidy too tommorow.. lets see 

sammy70

did a good frugal shop, got a lot of reduced items to include in the meal plan! £25 saved, and transferred to the mortgage o.payment pot, just tommorows account tidy to round off hubbys weekly pay, then i can make my last overpayments of September 2020 

Hettyhound

Well done!  I’ve noticed my food budget increase over the last few months so I’m cracking down on it for October.  I’ll be hunting out bargains for the freezer.

Jessy103

Glad to hear horsey is on the mend 🙂

sammy70

Thanks Jessy, im relieved he is getting better, but im always going to have to watch his diet and exercise to get/keep his weight down to prevent another flare up ..
Made £20 overpayment to the mortgage- now £197,820, and £18 and a bit to the loan, thats my lot for September 

sammy70

Mortgage update
interest for September- £468.19- Daily- £15.60
Balance £198,309.19- the £20 i o.paid hadnt been taken off this figure
Direct Debit £1226.40, and £20 o.payment
New Balance £197,061.79
Overpaid today £71.79
New balance to start October 2020- £196,990