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  • FIRST POST
    • sammy70
    • By sammy70 24th Sep 13, 4:58 PM
    • 580Posts
    • 1,854Thanks
    sammy70
    our forever patch challenge
    • #1
    • 24th Sep 13, 4:58 PM
    our forever patch challenge 24th Sep 13 at 4:58 PM
    well, this week sees the new start to my mortgage free plans. After 18 months clearing debts, then paying for our wedding, which took most of our hard earned savings, we are at the beginning again.

    Due to restructure at work, OH is on a reduced monthly pay, so the savings are even more of a challenge!
    Our plan is over the next two-three years, build up savings , and make over payments, untill we have enough saved to clear the outstanding balance owed on our mortgage, then sell this house, and use the sale proceeds as deposit on our "forever home", we really want somewhere with an acre or so of land, to allow me to have my own horse again, and OH to have garage/workshop he has always wanted.

    we both get paid this week, i will open new savings online, and let the challenge to get our new home begin!, we get married on Friday, this will be the start of our married life adventure too, !!
Page 34
    • EatingTheElephant
    • By EatingTheElephant 8th Jul 18, 7:54 AM
    • 1,340 Posts
    • 7,309 Thanks
    EatingTheElephant
    Itís all coming together nicely, great progress
    • sammy70
    • By sammy70 14th Jul 18, 1:06 PM
    • 580 Posts
    • 1,854 Thanks
    sammy70
    Happy weekend!
    It was my saturday morning to work today, so late start on the chores!

    My stable has a few bits to finish- he forgot edging for roof/top door fittings, and small bit of fencing to join the stable so the area in front of the stable is fully fenced. Hope he doesnt take weeks to come back to finish off

    My budgeting is going ok, just need to lose the last 1lb to meet my first weight loss challenge- i wanted to lose my first 7lb by tuesday 24th july- ive lost 6llb up to yesterday

    Still awaiting quote for emmersion heater- needed asap, and the new full heating system replacement- which we plan for summer 2019..

    Happy weekend everyone- must get stuck into chores, otherwise less time for getting outside in the sunshine
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016- 4th December 2018 £10,065.95
    Mortgage balance of currently = £215,600:eek 04/12/18

    month 11 of 21 month plan
    • sammy70
    • By sammy70 20th Jul 18, 6:46 PM
    • 580 Posts
    • 1,854 Thanks
    sammy70
    Happy weekend!
    we have the next ten days off work

    The fencing/stable guy is coming next thursday to hopefully get everything finished off , and im going to look at a lovely sounding cob tomorrow afternoon, so i might have my new horse next week to put in it!

    We are awaiting the heating quote, but the one for the immersion heater has come in, and it is booked for august 1st, so once thats done we wont need to light the stove to heat the water, so it will soon pay for itself with the savings on fuel

    My little old doggy is booked in for an op to remove a growth in her ear on monday poor lass, and poor us- £650 bill

    A spendy month with this lot, i will have quite a lot of bits to buy for the horse if i get him too, but ive already saved the cash for this.

    Im sticking to the cash only for fuel and food, it makes me focus on spending i think..

    only lost half a pound this week, so need to lose another half pound to meet my 7lb loss by 24th july must try hard to do this

    Got the letter from h.fax too , we have had a £20 payment from them, and monthly payment gone down by £42 a month, so thats good
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016- 4th December 2018 £10,065.95
    Mortgage balance of currently = £215,600:eek 04/12/18

    month 11 of 21 month plan
    • sammy70
    • By sammy70 25th Jul 18, 2:08 PM
    • 580 Posts
    • 1,854 Thanks
    sammy70
    Well hubby and i have been through the mill in the last few days since my last post..

    on the 20th- date of my last post which was the friday we broke up from work, my husbands dad died in hospital, such a shock for us, we spent all that night at the hospital/with his mother..

    on the way to break the news to his mum, my husband narrowly missed a head on collision with a out of control car full of young men, one who sadly was killed, one still in a serious state.. if my hubby hadnt rang his brother before setting off, the 20 second difference might have meant he was hit head on, it doesnt bare thinking about.

    Since the night in the hospital both myself and hubby have been ill, flu like , upset stomach, throats raw, its been horrible, dont know if we picked some sort of bug up from there, i feel drained with it.

    Poor mother in law isnt coping well, im having to sort all arrangements, its not been easy alongside feeling ill, but i keep thanking my lucky stars someone was watching over my husband to prevent him getting hurt or worse in that accident..

    Along side this, in a cheerier note- i bought the lovely horse i tried - i nearly didnt go as we were exhausted on that saturday, but im glad i did, hes currently relaxing in our field, we have had to scrabble round to get hay, straw, electric fence, etc, but its kept our mind off things.

    Another stress was on clearing the field to put the fence up, we foung what looked like the high voltage electric cable to our house, it had been worked to the surface by rabbit warrens
    National grid had to come and inspect it, it turned out it was BT cable, so we could re- bury it safely before finishing electric fencing my new horses field

    Today im trying to chill a bit, we have the death to register tomorrow, meeting to arrange funeral, oh and forgot another thing, the dog had op to remove lump in her ear on monday, and she has to go for check up tomorrow too!

    These things are sent to test us, and the last 5 days have certainly done that!!

    Need to sort horse insurance now, thats gone up loads since i last had one! good job the pleasure of horse ownership outweighs the pain..

    Hopefully if im feeling better later im out on my first ride..
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016- 4th December 2018 £10,065.95
    Mortgage balance of currently = £215,600:eek 04/12/18

    month 11 of 21 month plan
    • sammy70
    • By sammy70 30th Jul 18, 3:09 PM
    • 580 Posts
    • 1,854 Thanks
    sammy70
    Well im back to work tomorrow- first day back and im on a training course

    Went for a lovely ride this morning on my lovely horse, he is such a sweetheart, so well behaved- except for the occasional grass grab when we are having a relaxed walk

    Father in laws funeral booked for 10th August, i think we all wont be able to stop thinking about this until that day has passed, he will be missed..

    Made a £280 overpayment on my payday, the current outstanding balance is now £221,000, the direct debit hasnt gone out yet, or the interest, i will update my signature after the 1st August..
    Last edited by sammy70; 30-07-2018 at 4:47 PM.
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016- 4th December 2018 £10,065.95
    Mortgage balance of currently = £215,600:eek 04/12/18

    month 11 of 21 month plan
    • A Frayed Knot
    • By A Frayed Knot 30th Jul 18, 8:14 PM
    • 2,584 Posts
    • 11,371 Thanks
    A Frayed Knot
    So sorry to hear of your FIL and hubby's near accident. It certainly sounds like someone was looking after him that night.

    Sounds like your keeping busy, even though you are both under the weather, to say the least.

    And nice to hear your goals are falling into place, even under sad circumstances.

    Good to see that 000.00 at the end of your mortgage
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Target10 9 DAYS MAYBE 7 6
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69, 2016/£3186.80, 2017 £4068.97

    • sammy70
    • By sammy70 4th Aug 18, 11:45 AM
    • 580 Posts
    • 1,854 Thanks
    sammy70
    Thanks for dropping by a frayed knot!

    I havent updated my signature yet, must do that when i finished cleaning up!

    A really busy/stressful week making arrangements and sorting FIL funeral/finances etc

    The funeral directors have really disapointed me with the lack of support, and ive already had to make a formal complaint after they put the wrong date on the newspaper notice, my MIL was so upset. Disgusting service, no one to answer the phone , and all from a major company who spends lots on tv adverts saying how they make your final journey just how you want it!! they need to spend more on staff to answer the phone to customers instead of tv adverts!! Very heartbreaking to deal with on top of everything else..

    On a happier note, my new horse is lovely, had another couple of hacks out this week, the flys were a nightmare though! if anyone has any idea of a fly repellant that works please let me know, ive spent a lot on two brands up to now, and they last approx 5-10 minutes, and i cover him in it!

    Right, must get on, finish cleaning, the need to get some hay collected for the bottomless belly pit of my poppo!
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016- 4th December 2018 £10,065.95
    Mortgage balance of currently = £215,600:eek 04/12/18

    month 11 of 21 month plan
    • sammy70
    • By sammy70 4th Aug 18, 2:26 PM
    • 580 Posts
    • 1,854 Thanks
    sammy70
    August update
    Right, heres Augusts update

    July monthly interest= £401.72
    Daily + £12.95
    New balance = £221,401.72

    Direct Debit 1st August = £1165.26
    New Balance = £220,236.46

    overpaid 4th August = £236.46

    New balance - £220,000

    Anice round figure!
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016- 4th December 2018 £10,065.95
    Mortgage balance of currently = £215,600:eek 04/12/18

    month 11 of 21 month plan
    • A Frayed Knot
    • By A Frayed Knot 4th Aug 18, 4:43 PM
    • 2,584 Posts
    • 11,371 Thanks
    A Frayed Knot

    New Balance = £220,236.46

    overpaid 4th August = £236.46

    New balance - £220,000

    Anice round figure!
    Originally posted by sammy70

    Sorry, I deleted part of your quote stating the monthly interest figure - didn't like that one bit


    However "a woman after my own heart" Loving the zero's I call them "Knotty Noughts"


    Keep going - has made a huge reduction to my mortgage doing this.
    Last edited by A Frayed Knot; 04-08-2018 at 4:51 PM.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Target10 9 DAYS MAYBE 7 6
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69, 2016/£3186.80, 2017 £4068.97

    • A Frayed Knot
    • By A Frayed Knot 4th Aug 18, 4:50 PM
    • 2,584 Posts
    • 11,371 Thanks
    A Frayed Knot
    Oh, just read your post about the arrangements for your FIL and the wrong date being published, not very professional and doesn't fill you with any confidence in them, although I'm sure they will double check everything after your complaint.

    All you need on top of everything else, but at least you spotted the mistake and they have time to rectify it for you all.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Target10 9 DAYS MAYBE 7 6
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69, 2016/£3186.80, 2017 £4068.97

    • chumpy45
    • By chumpy45 8th Aug 18, 4:30 PM
    • 361 Posts
    • 1,605 Thanks
    chumpy45
    Hi Sammy, just catching up after a long absence. So sorry to read about your FIL and also the poor service at such an emotional time from the undertakers. Thinking of you and your family.

    It has been fab reading about all your adventures culminating in the arrival of your horse - how exciting. Your forever home sounds idyllic (and lots of hard work). Am looking forward to your continued adventures and MFW journey.
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017; :) 06.08.18 £24,769.47 01.11.18 £23,825.00 New Target Date Sept 2020
    • hugglemonster
    • By hugglemonster 15th Aug 18, 7:23 PM
    • 471 Posts
    • 2,061 Thanks
    hugglemonster
    So sorry to hear about all the painful and difficult times with you and your family, terrible to hear of the service from the undertakers.

    I hope the new horsey is giving you some comfort.

    H x
    Debt:Overdraft 2 £2400 Credit card £2200 now £1580 Car - Purchased £11,518.40 now £6334.12 Barclays loan 3000 now £2673.96 Dad £300
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £10 General savings: £10
    • sammy70
    • By sammy70 15th Aug 18, 8:39 PM
    • 580 Posts
    • 1,854 Thanks
    sammy70
    thanks for your comments hugglemonster, chumpy and frayed knot, its good to know someone reads my ramblings

    My FIL funeral went well last friday, but it was very stressfull building up to it, and im just starting to relax a bit after the various aspects involved, the wrong date of his death was actually printed in the paper Frayed knot, i didnt stop that in time im afraid, they originally even had spelled his name wrong which thankfully i did stop going to print.

    Its really opened my eyes to how much is involved in organising a funeral/ sorting finances etc

    My new horse is settling in gradually, the only think so far that he is frightened of is cows!!
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016- 4th December 2018 £10,065.95
    Mortgage balance of currently = £215,600:eek 04/12/18

    month 11 of 21 month plan
    • sammy70
    • By sammy70 19th Aug 18, 1:50 PM
    • 580 Posts
    • 1,854 Thanks
    sammy70
    weve got sheep!!
    Last weekend we aquired two herdwick sheep, four month old sid and nancy

    These came from our new local friends who breed them, these two were a little underweight as late born, and mum had no milk due to the grass shortage, so were in need of tlc and feeding up, which we are doing..

    We let them loose after a week in a small sheep hurdle pen to accustom them to where bucket feed is, hopefully we will be able to use this as an area for capturing them again for checks/ shearing etc, though they are pretty wild at the moment

    Little sid has been castrated to avoid him breeding with his sister in the future, so we have had to spray the former home of his crown jewels this week to prevent infection, not an easy task!!

    Im awaiting my horses reaction to them appearing in his field , hopefully they will become friends and company for him too

    With the predicted hay shortage this winter im starting to stock up on small bales of hay , though he is tucking into at least 3 bales a week already with the grass shortage too, in sensing an expensive winter ahead for us feeding the motley crew..

    in chicken news, our our little girl may has gone broody, she wont move off the nest despite me removing the eggs, we dont have a cockerel so theres no chance of little ones, dont know how long she will persist to no avail to try to hatch her none existent chicks poor thing ..
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016- 4th December 2018 £10,065.95
    Mortgage balance of currently = £215,600:eek 04/12/18

    month 11 of 21 month plan
    • pink poppy
    • By pink poppy 22nd Aug 18, 9:00 AM
    • 949 Posts
    • 5,780 Thanks
    pink poppy
    sammy, you should join the 'daydream' thread on the Greenfingered moneysaving board, I think you would love the chat as it's all smallholding/animal/garden/everything else under the sun related
    Can you get 'pretend' eggs for your broody hen?? I think I've read something like that on the daydream thread and I'm sure someone on there would be able to advise.
    Last edited by pink poppy; 23-08-2018 at 11:15 AM.
    Caledonia dreamin' ...
    • sammy70
    • By sammy70 25th Aug 18, 1:59 AM
    • 580 Posts
    • 1,854 Thanks
    sammy70
    thanks poppy, i will have a look at that thread

    The chicken is still broody, i have tried a few tactics, stopping access to the nest box/removing eggs each day/ shutting her out of the run in the afternoon, but she just sits waiting to go back in poor little thing

    Sid and nancy the sheep are loving life here, they are eating loads of grass and sheep pellets, and have already picked their favourite spot for sleeping , its so funny watching them appear and tootling around together, my horse was stood watching them earlier today, and followed them round trying to work out what they are i think!
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016- 4th December 2018 £10,065.95
    Mortgage balance of currently = £215,600:eek 04/12/18

    month 11 of 21 month plan
    • Fortune Smiles
    • By Fortune Smiles 25th Aug 18, 9:25 AM
    • 2,925 Posts
    • 24,317 Thanks
    Fortune Smiles
    Hi Sammy

    just popping in to share some thoughts on the broody hen - hope you don't mind.

    They are usually broody for about three weeks as this is how long it takes to hatch eggs so you could just leave her. Although her health might deteriorate if she's not eating or drinking.

    I used to put an ice pack wrapped in a tea towel in the nest box as a hen's temperature increases when she's broody and cooling her down can help to break the cycle. Some people use bags of frozen peas

    Fortune x
    Mortgage: 8% paid Overpayments: 3908.56 Emergency Fund: 75%

    Read my work here and here (scroll down for text). Free to read but ratings and reviews very much appreciated.
    • sammy70
    • By sammy70 31st Aug 18, 2:06 PM
    • 580 Posts
    • 1,854 Thanks
    sammy70
    glorious day!
    What a lovely day!

    We are loving our week off work, getting lots done, another stone window repaired/filled in in out hay barn to be, just the new roof to do and pointing, but the roof may be a 2019 project depending on time/cash available this year.

    Thanks for the tip fortune, she is still broody, it must be over 3 weeks now, so hopefully she will get over it soon. We keep bringing her out to eat and drink, and today she went for a dust bath with the others, so maybe she is getting to the end of the cycle fingers crossed!

    I overpaid £250 on payday, the direct debit and interest wont update until monday, so i will update my neglected balances etc then , im hoping to have gone into the £218,000's

    Sheep are coming to call/bucket rattle now, so we are able to pen them to check them over etc, so thats a bonus.

    Tomorow we are spreading father in laws ashes in a lovely area under a beech tree in what we call our secret garden, its a quiet area and really peaceful too, so family have somewhere to sit and remember him.

    Have a lovely weekend everyone x
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016- 4th December 2018 £10,065.95
    Mortgage balance of currently = £215,600:eek 04/12/18

    month 11 of 21 month plan
    • sammy70
    • By sammy70 4th Sep 18, 6:20 PM
    • 580 Posts
    • 1,854 Thanks
    sammy70
    september update
    Right, direct debit has gone out, heres my update for september .

    August interest= £399.33
    Daily = £12.88

    new balance= £220,149.33

    Direct Debit = £1165.26

    New balance = £218,984.07

    soo..

    overpaid £84.07, giving our new balance of £218,900
    A nice rounded off number!!

    We have decided, with the uncertainty of boe rate rises, to go with a 5 year fix , 2.89% , a tad higher than the 2 year fix option, but we figured the security of knowing what we have to pay, and protection from rate rises for the next 5 years while we bring the balance down, is worth it to us..

    Which brings me round to trying to work out, with diy etc still to do, how much is it possible to reduce the balance in 5 years.. a new challenge is on the horizon i think
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016- 4th December 2018 £10,065.95
    Mortgage balance of currently = £215,600:eek 04/12/18

    month 11 of 21 month plan
    • sammy70
    • By sammy70 8th Sep 18, 8:28 AM
    • 580 Posts
    • 1,854 Thanks
    sammy70
    happy weekend
    Hi everyone

    Its dull and raining here, so glad i squeezed an hours hack last night on my horse, it was a lovely evening, though the temperature has certainly dropped now..

    Im having a lazy morning, i popped out to feed horse and chickens at just before 7am, but then back to bed with a cup of tea and my book for an hour..

    Had a busy week, still sorting bits for mil after fil death, im starting to feel ready for a mental break, my head seems to have been full of tasks to be done for weeks now, im trying to mentally relax a bit, but its not easy..

    Right, must get up, light range for hot water, breakfast with hubby, then housework day.. do i muck horse out first, or after..mmm

    lloking forward to a chilled out evening together with hubby and a nice tea. We always break calorie count on saturdays and have whatever we fancy followed by a treat and a couple of drinks..

    tonight is tescos finest meal deal= lasagne, chips, salad and fancy bread, followed by a couple of g&ts for me and a bar of dairymilk (not family size!), and a pear tart thingy for hubby, yum!

    We are blessed to have this home, our animals and each other, i need to shake myself up and re-charge my mental batteries to complete the tasks relating to fils death, mil is still having problems following an operation which she needs help with, and what with working full time and running a mini farm, i suppose im entitled to feel overwhemed a little at times, thats life..
    current official end date of mortgage= 2037-aiming for 2030
    mortgage balance start of challenge- 25/11/2016 £245,695
    overpayments 28th nov 2016- 4th December 2018 £10,065.95
    Mortgage balance of currently = £215,600:eek 04/12/18

    month 11 of 21 month plan
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