our forever patch challenge

sammy70 · 17 March 2018 at 3:43PM

i cant beleive it, we are white over with snow!!

We were hoping to get outdoor jobs done this weekend, but the weather has scuppered us again.. roll on summer

We have most of the fencing completed, they are coming back to fit 3 gates that hadnt arrived, and im still awaiting the quote for the stable..

Money is tight this month, a few unexpected costs, two tyres, and a couple of other bits, so from today till pay day ive set myself a frugal challenge to get back on track.

Ive done an online shop last week and this, to see if by just doing a list, and getting it delivered on the cheapest slot, makes it easier to stick to the grocery spend, along with saving time that i could use for other tasks, im trialling this for 4 weeks to compare.:)

Not a lot going on financially till payday, just daily checks that accounts are on track, and keeping spends low on food etc..

Work is mega stressful for both of us at the moment, keep wishing on that premium bond jackpot to save us from the workplace

not counting on it though, so we will have to get through the working week, things will pick up soon i hope ..

looking forward to snuggle up and treat night tonight, love our time together at the weekend, it goes too fast!:rotfl:

sammy70 · 28 March 2018 at 5:01PM

Payday today:j

After a tight month, at last ive made a £250 overpayment, as well as £850 to DIY fund/loan etc :beer:

The new mortgage balance stands at £225,260, I will update again once the march interest, and the direct debit has updated the total balance too . The new total overpayments to date stands at £7477.77 , not bad when we consider how much we have got done too outside with the workshop/fencing etc , and we have only lived here 16 months!:)

We are still awaiting the quote for the stable, and the gates etc to be finished, but the weather has been pants, and the fencers are also sheep farmers, so I guess lambing is starting too so I will have to be patient (not my best feature I'm afraid!:o)

The signs of spring are all around, trees are budding, crocuses and daffodils are pushing their way up and nearly ready to flower, the birds are singing, days are longer, the temperature is rising, winter is over, I think spring has arrived !! :j

I love living here, everyday I count my blessings, and every penny paid off the mortgage takes us further towards mortgage freedom, owning our dream home outright, and hopefully an earlier retirement too to enjoy it all. Though I'm focussing on enjoying every day we are here, retirement is still a long way off, we have a lot of challenges and fun ahead of us, and I intend enjoying every minute.:)

Happy week to you all x Sammy x

try_harder · 31 March 2018 at 8:31AM

Great savings for this month as usual Sammy .

All sounds idyllic and all going to plan . 3 months in thats gone quick .
Happy Easter to you enjoy the weekend

sammy70 · 31 March 2018 at 12:42PM

Thanks for dropping in tryharder

Well April is month 3 of our 21 month plan , 19 to go..

We are working over the bank holiday (rainy anyway so not missing out on getting out door jobs done).. but we have a long weekend starting friday next week, 4 full days off! :j

Daughter and partner coming for dinner tomorrow, always nice to see them, and snuggle night tonight with hubby.:)

Just awaiting monthly interest for mortgage, then i can update my signature!

Happy easter everyone x

sammy70 · 2 April 2018 at 7:49PM

March interest-£409.38
Daily= £13.20

Direct debit of £1208.83 gone out
New outstanding balance = £224,460.55

I can believe it, today yet again we have had heavy snow:mad:

At the moment its now peeing down with rain, poor lambs being born in this awful cold weather..:(

try_harder · 2 April 2018 at 8:14PM

Good luck for month 3 sammy

sammy70 · 6 April 2018 at 11:34AM

Made £10.55 overpayment today, rounding the balance down to a tidier amount of £224,450 :beer:

Today we are work free! 4 days of enjoying our home/land, getting a couple of jobs done, general pottering and time together to recharge our frazzled batteries:j
Lambs continue to be born in the field alongside our lane. I'm still awaiting, impatiently now, my fence guy to get back and finish off, so I can sort our sheep before the grass starts getting too long..

Spring is such a lovely time, I love just standing listening to the birds sing, and everyday the trees get more buds appearing, we have wild baby rabbits on the lawn this week, its a magical time

I'm going to get stuck into the weekend house tidy early today, to allow us to be out doors this next 3 days as much as possible, just hope the weather is kind..
My grocery budget has stayed on track, and we have enough meals for ten days, just need milk and fresh fruit/salad..

The start of month 3 0f our 21 month plan is going well, fingers crossed it stays that way!

try_harder · 6 April 2018 at 6:50PM

Sounds like a lovely long weekend in store ,i hope its nice weather for you ,its been wonderful here since Tuesday really mild , spring is definitely here .

Keep up the good work , month 3 sounds as if its going to be good.

sammy70 · 10 April 2018 at 7:18PM

back to work today

But, we have had a great 4 days off. We have built and hung a gate that was needed to keep sheep in, the only one we did ourselves, and a fantastic job hubby made, with me as labourer as usual :T

Hubby also did the work required on my car, which was a pain, but saved £200 garage bill at least

[lastly, hubby also built the little chicken house up that my son bought me for mothers day last year, he is going to get wire this week, and build an enclosure, then we are off to a local poultry supplier for our first 3/4 hens :j/B]

I have spent time helping hubby, i was in charge of feeding and watering us, including both kids and partners who visited sunday.

the weather has been great, ive had a few relaxing times just wandering around our land, checking fencing etc, and sitting watching the birds , listening to their lovely singing, and generally thinking this is what we worked so hard to achieve, the peace and tranquility of a lovely sunny spring day in our own countryside home

I need to focus on money saving, my mind hasnt been on it this month, so first thing is to sort meal plan for the next week, and make a small payment to the diy loan..

sammy70 · 10 April 2018 at 8:07PM

just paid £11.88 off diy loan , the start of many to come over the next 18 months :beer:

our forever patch challenge

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