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Moving forward and upwards

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  • doingitanyway
    doingitanyway Posts: 9,875 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Hope you are ok and the Chiro news wasn't too unexpected 
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 0/1000
    Buffer fund 0/100
    Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks DIA

    Chiro news was kind of expected as my massage lady has picked up on things too.

    I've had a new health thing to deal with most of this week and need to contact the Dr Monday. I have given it a nickname.
    -  need a shower, clean myself up a bit and check on balthazar.

    In a way I am pleased there wasn't any beauty bookings this week as I'm not sure I would have coped. Instead I was able to practice promo and retail; beastie purchased at cost but I also had a retail sale! 

    Not sure what, if anything, is planned tomorrow. I'm popping to 2nd home for a bit Monday but will just potter about, got massage appointment too.

    Resting up this evening.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,431 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Hope you can get help from the gp on Monday with balthazar (?)

    Enjoy your massage on Monday x
    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/p1
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks Skinty 

    I decided to spend a day at 2nd home as it's been gorgeous and sunny today. I've carefully used a pick axe and fork to get weeds out. Planted cucumbers and a couple of my courgette plants.

    Massage went really well, big improvement from my first appointment. I've another two booked for next month. 

    Balthazar is no longer doing a planet total eclipse, just half. Still angry and bl33ding, but not as bad as it was.

    I've my FBM demo this week, looking forward to that as I want to practice and qualify! 

    Personal pamper plans are waxing; regrowth is a lot finer, pale hair. Paint my nails; need to decide on a colour. Brows and lashes I will tint on a beauty day.
    - I'm still using "posh" facial products and my skin thanks me.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • doingitanyway
    doingitanyway Posts: 9,875 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    All sounding good. 
    Your second home is a balm for the soul.
    Your pampering sounds lovely
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 0/1000
    Buffer fund 0/100
    Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you DIA

    I missed 2nd home and was good to rejuvenate from inside; although I'm in a bit of pain all over.
    - popped to water cucumbers and they've grown.

    Had my training demo. It was a mix of what I did years ago, IHM and my private treatment. I asked hubs if I can practice on him, he agreed for wine 🤭 
    - hoping in a few weeks I'll be ready to take my test!

    It'll be a busy one for me tomorrow. I need to do my pampering. May need to apply colour first thing, wax lunch time, rinse hair after work and then do my nails. 

    With pottering outside I'm building up my tan 😄 
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Definitely don't want a full repairing lease. Sounds very unrealistic of them. May be worth trying to negotiate. 
    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 6/7/25
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    SH, It's what's holding me back with having that type of premises or a small shop. I'm still looking around as all I really need is a lounge size room within a block of other businesses.

    Earlier in the week I laminated my certificates, need to file them with my others. Also need to organise my receipts. I've started saving a bit of money to cover t-x and N1.

    I've moved some money to normal savings, start building those up again; no regrets using some of it to start my new career off.

    I'm currently working my way through a luxury pedi course, bargain at £31.50 🤭

    From my pamper list I've waxed my legs, I'll do underarms and nails tomorrow, colour my hair when I'm back home. 
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,431 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Hopefully somewhere suitable will turn up soon 🤞

    Dont let beastie near those underarms 😳
    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/p1
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks Skinty 

    Beastie is away and there was such a positive vibe, her clients were happier getting what they asked for with Buddy doing the service. I've gained a new client for next weekend, waxing and pedi. I had to quickly make up a price for the latter. I'll have the quoted price (£20) as the basic and my max charge (£30) for luxury pedi with a reduced polish charge on top for both.
    - one more assignment left to do on my pedi course and then have to wait and see if I've passed 🤭

    I've been trying to find the right pedi bowl for a few days. Again, I've always had a vision of what this would be, but my current budget doesn't match what I like! I'll keep looking and if I'm not able to get a fancy round bowl I'll make do with a normal one and jazz it up under the liner to create the visual look.

    Came up with the idea of doing a trade swap with Buddy, which she agreed was a great idea, she looks after my hair and I look after her beauty. My new haircut is exactly what I wanted 🥰

    Added £2.20 to pension today.

    We're going out in a bit having McD for tea 😀
    Mortgage started 2020, aiming to clear 31/12/2029.
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