our forever patch challenge

We have loads of tiny corn midges today, and the ladybirds that hibernate over winter in our attic are starting to arrive, must mean autumn is around the corner ..

we have an expensive month , new immersion heater being fitted, chimney swept, hubbys birthday, our 5 year anniversary :j, and im stocking up on hay, by the end of this month i should have enough to last until the end of May 2019 :beer:

But then, i wont have hay to buy all winter, and prices are rising already..

I also if possible want to put the last of the cash needed for xmas into the xmas savings, then for the next 6 months i can concentrate on paying back the diy loan, and building savings/ also mortgage overpaying..:T

So september pay is spoken for, then october onwards is frugal super saving months, and the countdown of our 21 month plan.. we are currently at month 8

what a soggy day! the rain is bucketing down, all the poor animals are soggy, as was i when i was mucking out/feeding etc this afternoon :eek:

Tomorrow is my last working day before my last week of annual leave for 2018 ( have odd day off to go stil tho), so im hoping it dries up to allow a few rides out, and to allow us to get a few outstanding jobs done.

Its also payday for us next week, though most of it will be spoken for as we have a lot to pay out this month, then is saving/overpaying for the next few months i hope..:)

i have e.mailed a formal complaint about the bad service etc with father in laws funeral, ive had a call today, and have gone through all my issues, and they are coming back to me in a few days apparently. lets see...

Its my lovely hubbys 45th birthday today, a bit of a hectic start to it, no hot water :eek: turned out after prod and inspection, and call to plumber, our pipes were air locked, we had our new immersion heater fitted yesterday... no more lighting fires on hot days in summer, a little late for this year, but will make a big difference next, and our daughter may be coming home for a while, so will definately need it then! :eek:

Alongside getting the immersion heater fixed, we have collected all our winter store of hay, collected a months worth of animal feed and shavings, and hubby has made a start on some more of the never ending stonework wall repairs..

ive also booked and paid deposit for xmas day family lunch, and tonight we are off out to a country pub for tea with family, so that will be nice..:)

Ive managed to get some rides out in too in this lovely weather, though wont have time today, as we have to run a few errands this afternoon, before picking mother in law up on way to pub, which is a 45 minute drive there and then half hour back to pub..

Its pay day friday, so will be shuffling round sorting paying for electrical work, xmas savings etc, hopefully may make a small overpayment to mortgage, and diy loan..

We are from next month on the last 12 0f our 21 month plan, then a fresh start, and new plans afoot, hopefully including a career change for us both, fingers crossed..

To make our plans happen, we are going to be super frugal for the next 12 months, this time on hubbys birthday, the eve of phase 3 of our longterm plan will begin.. but we are going to enjoy our lives in the meantime in our lovely countryside home with our crazy animals

Back to work today, had another lovely ride out yesterday, i love having horse again, and he is so relaxed to ride

Direct debit of £1246.54 went out yesterday on our new 5 year fix at 2.89 %, slightly higher rate, but the security of knowing the payment is fixed is worth it to us

interest for september- £384.67
Daily- £12.82
new balance- £218,038.13
overpaid £88.13
new balance- £217,950 :beer:

our daughter repaid £450 today, so £350 paid off diy loan, and the £88 0.payment, other spare bit went to current account towards electric bill which is due this month.

Im feeling back in full swing for money saving, may try for sober october, mmm will think about it..:)

its windy and rainy here, animals all damp and horsey in his stable with the attached area for him to come and go, his winter quarters, way to windy and rainy to put him up on his hilly field as theres not much shelter. I will allow him to roam the yard/lawns etc for a nibble of grass at mucking out times.:):) though he does tend to raid the chickens feed/hanging baskets/ owt else edible, alongside trying to get in the porch to go through the contents of a set of drawers near the door..:rotfl:

just finished my one in 4 saturday morning shift, so mucking out now, followed by house tidying, then date night with hubby, got some curries in, and rasberry gin and tonics (oh well, thought about dry october :rotfl:0, for me, couple of beers for hubby, and nice bar of dairymilk for me, and cake for hubby, love saturday treat night!:j