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chewits - the debtquake monster is coming

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  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Enjoy and see you tomoz
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi KJ glad to hear you sound so positive and organised as ever. Shop prep going well then?

    Sorry I've been neglecting you I have been website building. I am trying with no real web knowledge whatsoever to put a locked site area round my forum - and it keeps locking the whole site rather than the bit I want... oh well can try again tomorrow!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    OH is tackling ours this afternoon. No idea what it will look like because he listens to rathers than views site.

    Shop plans tricky with BT dying on at the end of last week. Fixed 20 minutes ago but getting them to do anything is like pushing water uphill.

    So proud to say T&Cs done, Fees schedule done, Service Offering done and Application Form done. A lot will be suck it and see but we're up for that and will adapt.

    Tomorrow is final get it all in order day and 10am Saturday we open.

    Any hints and tips on website building gratefully received.
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Shop opens tomorrow.

    Lots of people popped in today to ask what we do and most are off to root for stuff to sell.

    Lovely lady came in who sells retro clothes wondering if we fancied doing business together and we could run an e-business store for her.

    So 10am tomorrow is official opening, hopefully it'll be a good day with lots of enquiries which may morph into some real customers.
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the opening... hope it really takes off for you... I think it is a fab idea.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Thanks SH.

    If I can get it to cut it losses, then break even, then turn a little profit I'll be a happy bunny. SB starts work there on SUnday...he's moaning loudly already.

    How's the coaching business coming?
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Good luck with the shop KJ :T

    You should update your figures on the MFiT challenge too - you'll probably be (near) top of the class!
  • kissjenn
    kissjenn Posts: 2,358 Forumite
    Mortgage-free Glee!
    Thanks Macgirl. I have sent the figures in but not shown as updated yet.

    Probably find I'm skintier than a skint thing when I see the accountant next week!
    :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A
  • Seaxwyn
    Seaxwyn Posts: 4,896 Forumite
    You are opening a shop???? I missed something there. Good luck!!

    PS what kind of shop?
    Total debt: 1 January 2007 £[strike]49,387.79[/strike] 1 January 2012 £[STRIKE]19,312.85[/STRIKE] 1 August 2012 £11,517.62



  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    kissjenn wrote: »
    If I can get it to cut it losses, then break even, then turn a little profit I'll be a happy bunny. SB starts work there on SUnday...he's moaning loudly already.
    Unpaid labour I hope!
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