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  • FIRST POST
    • sammy70
    • By sammy70 24th Sep 13, 4:58 PM
    • 578Posts
    • 1,845Thanks
    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 35
    • sammy70
    • By sammy70 8th Sep 18, 2:21 PM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    Tasks completed-

    horse mucked out- haynets filled
    coal buckets for week filled
    chickens cleaned out
    house tidying/cleaning- just bathroom and our bedroom to finish
    E.mailed complaint to co-op funeral care- despite numerous requests still not recieeved either paperwork/account showing what weve paid etc, or the promised refund for the c**k up they made with the newspaper advert that led to great distress for MIL. im extremely unhappy with their service, and the worst thing is we also have a pre-paid 'gold' funeral plan with them for MIL, an absolute disgrace of service in nearly every aspect of the whole funeral- AVOID!! theres nothing 'gold about their service at all and everyone ive spoken to who have used them say the same..

    Ive tried to book xmas day lunch with the pub we usually go to, but online saying cant book online, please call, ive called 3 times now and no-one will answer the phone- its must be catching from the co-op !!!
    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 17th Sep 18, 8:55 PM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    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 , and im stocking up on hay, by the end of this month i should have enough to last until the end of May 2019

    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..

    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
    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 18th Sep 18, 8:40 PM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    Today ive had a good day, work wasnt too bad. I paid 38 off diy loan from an account tidy

    Its really windy here today, so didnt go for my planned ride , instead gave my horse a good groom which he loves, and enjoyed just watching our animals enjoying life ..

    We are off next week. Quite a few bits planned, our new immersion heater being fitted tuesday which will be a godsend next summer, no more lighting the range to heat water and having hot radiators when the sun is hot! and should if we are careful save money on buying fuel in summer..
    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 Sep 18, 5:51 PM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    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

    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...
    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 22nd Sep 18, 1:52 PM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    ive managed to get out for a ride this morning and its still dry out.

    Ive mucked out chickens and horse, haynets and water buckets filled, walked to the bins with rubbish bag and checked post, now im on with house work ..

    Tomorrow morning we are off to collect more hay, we only have a small trailer at present which carries 12 bales, so 4 more runs to go , then we have enough hay to last until mid may, when hopefully we will have some grass again.. we usually go on a sunday morning, so with us being off work we may gets next weeks run done early, so no more early morning hay runs until next year , i wanted to get it early before it goes up even more, and the bad weather arrives.. living on the edge of the pennines means we get the worst of the bad weather..

    must crack on with house tidy up, it wont do itself!
    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 26th Sep 18, 12:06 PM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    Its my lovely hubbys 45th birthday today, a bit of a hectic start to it, no hot water 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!

    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
    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 29th Sep 18, 1:38 PM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    We have had a lovely week off work together, lots done, hubby had a lovely birthday, and we had our 5th wedding anniversary the day after
    I cant believe how far we have come, and what we have achieved in our 5 years of married life, if i say so myself we make a good team, and i love him to bits

    Today ive paid 250 into xmas fund, this will have last 150 paid in next month

    425 into savings/p.bonds

    90 off diy loan

    On Monday i will work out what i can juggle for the
    mortgage overpayment.

    Im determined to make every penny count to achieve our goals for the next 12 months.
    Ive gone through our October budget, i just need to stick to it and make savings wherever i can

    Me and horsey had a lovely long hack in the sunshine yesterday after he had his new shoes done, it was glorious , makes all the hard work worthwhile, so peaceful too..

    Right, must finish chores..
    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 2nd Oct 18, 5:26 PM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    october 1st update
    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

    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..
    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 7th Oct 18, 12:00 PM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    mmmm, vet bill this week, so much for getting full swing into money saving.. at least it was nothing serious, horse had some sore skin on his legs that needed attention, i do have vet insurance, but as it was less than 200 im paying myself..
    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 13th Oct 18, 10:52 AM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    soggy weekend
    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..

    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 0, for me, couple of beers for hubby, and nice bar of dairymilk for me, and cake for hubby, love saturday treat night!
    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 13th Oct 18, 1:40 PM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    mid month overpayment
    horse and chickens mucked out
    Half way through house tidy

    Just paused to make 60 payment off diy loan

    Also 100 paid off mortgage

    I need to get motivated, because ive been busy sorting FIL pensions etc and all finances/funeral etc i seem to have lost a bit of oommph, this week im going to re-focus on the money saving, i think a small overpayment to both loan and mortgage each week , alongside meal planning and keeping a tight budget should be my October target..
    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 Oct 18, 11:18 AM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    Happy weekend!
    A lovely dry morning

    I love autumn, all the leaves changing colour, stocking up coal/hay/larder etc for winter, cosy evenings by the fire after a day out in the fresh air , bliss!

    Its pay day next friday for us, ive being good with the grocery and fuel budget, this week im using cash to pay for food/my spends from my coin jar savings to give me a good head start on the november pay day budget..

    Ive mucked out/fed all animals this morning, 3 loads of washing done, and as usual on a saturday im cleaning the house..

    Had a busy week at work, even though it was a 4 day week for me as i was on holiday monday, but thankfully for me ive monday off this week too, so a lovely long weekend for me again, hope the weather stays dry for a couple of rides out on horse

    Right, wheres that hoover..
    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 Oct 18, 11:29 AM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    todays small help to debt/mortgage freedom- paid 10 off diy loan
    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 23rd Oct 18, 8:38 PM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    we had a lovely long weekend

    Back to work today, wasnt toooo bad...

    Had a couple of lovely hacks out over the weekend, im trying to take advantage of the good weather and longer days, the clocks going forward at the weekend will make it difficult to ride on a work day, and being on the edge of the peak district we do get some proper winter weather!! so must grab as many chances to get out in the fresh air as we can,, and the autumn leaves are so lovely to see at the moment.

    Pay day friday, so friday night is november budget night..

    Xmas is saved for now as of this months pay, we dont go mad, but i like to treat our offspring

    ive been playing on the mortgage overpayment calculator , need to keep reminding myself that every little payment is days/weeks less we have to work to pay for it

    must keep focused
    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 27th Oct 18, 12:08 PM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    oh no, snow!
    The winter has arrived early here as usual in the pennines! we have had frost over night, and snow (which hasnt settled) this morning.

    Yesterday i did our November budget, and all this months d/debits are sorted..

    I made 550 payment to diy loan, which is good considering hubby hasnt done as much overtime this month

    Monday i will calculate the mortgage overpayment, as using money dd is paying back for money i loaned her a while back now she is settled with work etc.. i also plan on saving another 175 in premium bonds if my workings out are correct

    Christmas is now fully save for too which is a relief..

    Ive set the budget as i said for November, and i know i shouldnt say this as i will regret it, but at the moment we have no extras to pay out in november, so fingers crossed if we stick to the grocery spends, and no unplanned spending, we should have a good month.

    Hubby i having a month off from overtime this month as he isnt enjoying his work at the moment, so i will have to be extra organised to allow our savings and overpayments to be sorted for November.

    Ive got a savings account online that is empty at the moment, so to motivate me i plan on doing weekly tilly tidies, and and other bits and bobs i manage to save, and my plan is to make weekly small overpayments using this cash to the mortgage or diy loan..

    Its my birthday on bonfire night, so ive also saved aside a small ammount for food for us to have a little party tea or takeaway depending on what we fancy. we will probably do this next weekend so both offspring can attend ..

    Naughty horse raided the chickens feed again this morning, the poor things were going mad, luckily i heard them while i was mucking out, and went and removed his greedyness from their home and locked the door.. he is soo greedy!!
    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 27th Oct 18, 12:57 PM
    • 2,569 Posts
    • 11,338 Thanks
    A Frayed Knot
    Oh Wow !! Snow - I love the snow but not the cold that goes with it.

    It's heading our way too, as I noticed the buckets at the entrances to my work were re-filled with salt
    and the gritter drove along the drive this morning - always puzzled at that as I'm not on a main road.

    For now, it's a beautiful sunny day.

    Hope your budget goes to plan.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Target 12 months 12/24 (missing out no.13)
    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 27th Oct 18, 1:25 PM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    Thank you for dropping in a frayed knot.. The snow has stopped, but its really chilly, ive had to put a rug on prince plod as his hair was all fluffed up in the cold this morning bless him, serves him right for mugging the chickens for their food
    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 29th Oct 18, 7:38 PM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    250 overpaid today
    New balance 217,600

    Will update Thursday after interest for October applied, and direct debit has gone out..

    Another freezing day here today, chickens were not happy this morning walking on the frost bless them..
    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 29th Oct 18, 9:25 PM
    • 2,569 Posts
    • 11,338 Thanks
    A Frayed Knot
    Nice o/p there, and great to see you keeping up the noughts

    As soon as my interest level came down to an affordable level, I o/p that exact amount, then let my mortgage d/d be paid off the actual mortgage, then levelled it to have my noughty knots

    Can't wait till the end of the week, should hit another milestone for me

    Cold here too, woke up to a covering of frost, so glad I didn't need to venture out, as had a days a/l, not looking forward to tomorrow morning though.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's
    Target 12 months 12/24 (missing out no.13)
    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 1st Nov 18, 8:10 PM
    • 578 Posts
    • 1,845 Thanks
    sammy70
    end of october update
    Heres my updated balances for October

    Direct debit- 1246.54
    interest for october- 534.08
    daily- 17.22

    new balance- 216,887.54

    o.paid 87.54

    New balance - 216,800

    Good idea a frayed knot, i think i may try your tactic of overpaying interest ammount and letting d.debit bring balance down and make a rounding off payment too.. in fact ive done that in october, will try and do the same in November too..

    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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