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Moving forward and upwards
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Please don’t do things her way and put yourself and your clients at risk.Have you seen anywhere else that may be suitable. Hope you can sort something soon.0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p12 -
Thanks SH, DIA and Skinty
I'm not putting people at risk, I've way too much pride and my previous career will always remain with me!
It's probable the personal stress is leading her to taking it out on others, but still not right, and the niggles were there before I even moved in (P 489).
Having spent last night and all of today thinking about it, I'll have a word with bestie when I'm next in; what she's booking clients in for isn't what she writes or if I'm doing one thing she'll tell me to add something on for free, or offering her clients a full treatment with me for free - which is where it kicked off from (niggles, but as I'm S/E it's up to me who I do freebies or vastly reduced price to get experience when I'm ready to consolidate the training!)
I'll be taking some things back home. I've thought about taking everything and doing PT rental and let her try and get another beauty person in the other times OR leave and do the treatments I adore as mobile 🤭
Bearing in mind it's 48 actual hours I've done, over 10 of those were my initial set up. I'm working with pulled muscles and have clients book and rebook my 'big' treatments. I've 'earned' nearly as much as I do for a week in my day job.
My clients come from advertising and word of mouth, they adore their time with me and my prices are really cheap already.
I'll stick with my original plan of gaining experience and have been keeping an eye out in case a better rental appears; I'd never stopped looking even when trying to secure my current one 🤭
- as I know I can build from the ground up, I've no fear of doing it again.Mortgage started 2020, aiming to clear 31/12/2029.3 -
The storm has finally eased. As to be expected the bins went for a walk. Unexpected was a cake box getting blown off the kitchen cupboard top, got to love trickle vents!
Got a clear blue sky and happy singing birds.
The annual mortgage statement arrived. There's been two DD payments since it was produced and the balance is now £48,582. Of the monthly DD just under £184 is capital repayment.
- I've a 12 month 7% reg saver, matures in the NY, I'll add some extra from savings and both will be my annual lump-sum. The O/S mortgage would then be about £41k.
- A few months after that the fixed rate ends and I can throw every penny at the mortgage until it is cleared.
Mortgage started 2020, aiming to clear 31/12/2029.2 -
Well done on reducing the mortgage. You will soon have it paid off!0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p12 -
Thank you Skinty
Life will be a lot easier for both of us when that's paid off!
Made an executive decision to have a doss day as the co I want to use for nails (Sh3ll-c) is closing their local retail shop and doing training only from it.
I wanted to partner with them from the start, already use some of their other service ranges, but you can imagine how much their training and products are 😶 their conversion courses are a lot cheaper and they offer them up free once a year; I'm part-way through one!
Needless to say, my last webinar allowed me to buy some key items at a fraction of the cost, my shopping trip enabled me to get everything else. When telling TomBo I wish I'd got more he told me to go back, I couldn't handle another trip, but so tempting!
I'm about to do some of my other training, break for webinar, my appointment and carry on after 🤭
I'll do my own nails this week 😁Mortgage started 2020, aiming to clear 31/12/2029.1 -
Would they maybe take an order over the phone? Post or collect when you are able?0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p12 -
They can take an order by phone, but only hold it for a few days as they're moving premises too, only head office does postal.
I did end up going back 🤭, was given some free items too 😲 grabbed a McD ate it at home just before the webinar began, had the last bit of it running as I went to my appointment; she's focusing on getting the issues sorted and will then attempt the rest of me. I did enjoy the catch up as I know her from 2nd home. Got back and organised the new items and put my feet up.
Had another webinar while eating tea; roast chicken, pork, mash and veg.
Been very chilled out, relaxed and feeling at one with myself 😊Mortgage started 2020, aiming to clear 31/12/2029.2 -
Sounds like you got a great deal on your shopping and a cheeky McD’s too😊 Glad to hear you are feeling so happy0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p10 -
Thank you Skinty
The appointment was good for my mind, body and soul; felt very 'spiritual'.
I wasn't entirely sure what would be done and had visions of the 'old' way, getting stuck in, pressing hard on painful parts.
Reality was warm hands, careful movements guided by my body apparently, a bit of gentle pulling - nothing like what a chiropractor does, ending with a mini back / shoulder massage.
Also, the most gorgeous smelling massage wax; I've looked it up 🤭
I was fascinated by her route, she with mine, how life dramatically changed since getting wed and how quickly I'm building clients.
I'll be having monthly appointments when I'm back to "normal". Must look after myself.
My "posh" facial products arrived today, the guy abandoned it in a local salon 😕 and said it was delivered to me 😕😕 bit concerned about placing future orders.
On a positive note, now I've got everything I can do the training!
I've loads of training and webinars to get through. I expect to be very busy with all of that until the end of next month. Thankfully, I have a day off in a few weeks and a bank holiday next month 🤭Mortgage started 2020, aiming to clear 31/12/2029.1 -
Sounds like the massage hit the spot.
Also sounds like you got some great bargains.
Really shocked at the other person offering your services for free. Not on!!
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/251
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