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Moving forward and upwards

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  • Skint_yet_Again
    Skint_yet_Again Posts: 8,430 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Lovely update. Glad auntie is on the mend. Hope you are feeling better soon. Do you think it may be Covid?

    How to tell beastie- just lie 😆 Something along the lines of how grateful you are that she has given you the best start to your business and the confidence to go it alone. We all know that you have done everything yourself despite her! 
    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
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    So pleased you can see just how far you have come. I have loved following your journey and enthusiasm for you new career.
    Hope your feeling better soon x
    ♥️ ♥️ ♥️
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you Skinty and FP

    Just flu type thing, spent most of the day in bed freezing and got up this evening boiling. Hopefully that's the worst of it out the way. Nerves are calming but sciatica isn't.

    If I'm feeling how I am now tomorrow I'll send new LL a message for an update.

    Good choice of words, I'll pinch those thank you 🤭 may choke on them when talking!

    I'm absolutely loving my career choice. I can't wait to move for the space and being able to do client friendly hours, which should allow for an increased client base, more takings etc.

    I need to write terms and cancellation notice, update my pricelist, do my retail price lists, frame everything. Also need to get money in the bank. 

    I do appreciate your support and encouragement 😊
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,951 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you are feeling better and get the news you want from the LL soon.
    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
    Thank you SH

    Back in a near living state now. Managed a shower to wash away the yukkyness.

    Managed to catch up on some diaries and apologies if anything came across as blunt, I'd got ambushed partway through. 

    B snitched to B about 3rd home and the proverbial 💩 hit the fan, not what I needed or wanted to deal with at the moment. Took a few hours to pacify.

    Currently sat with my feet up watching TV.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Oh dear I'm sorry to hear that beastie found out before you had a chance to talk to her about it. 
    She's really only got herself to blame though hasn't she! (not that she will see it that way!) and it won't be long until your well clear of it all and living it up in 3rd home!! 
    ♥️ ♥️ ♥️
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks FP

    I wasn't given a heads up by now ex-frnd. Instead I barraged about relying on my money, when to replace me, hurt, sad but pleased as I've got what it takes to make a successful business alone.
    Chances of another 'me' with my 'qualities' being daft enough to join, let alone stick out what I have is nil. I was the first and only to even ask 😶

    Skinty the wording I adapted and choked having to apol. At least that side I was prepared for!

    Why do I think it's going to be awkward and with constant questions until I relocate 😕

    Got the working my notice period feel now but no end in sight, which is already adding to my stress. My IBS has flared up.

    I will have to email the LL for an update.

    I've so much to do and feel I've lost a week due to illness. 
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Sorry to hear that things have come out before you were ready & that someone has shown themselves not to be the friend you thought they were. 

    Hope things move along swiftly now & your IBS settles quickly. Take care of yourself too and let tombo pamper you 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
  • doingitanyway
    doingitanyway Posts: 9,875 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    edited 21 June 2024 at 8:49PM
    Glad you are feeling better after the flu but sorry re the IBS. I'm not surprised as you are dealing with a lot of stress. be kind to yourself. But a huge well done for having the guts to go it alone. You'll be fine. More than fine  :)
    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)
  • savingholmes
    savingholmes Posts: 28,951 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry you had that to contend with. Hope the LL comes back soon.
    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
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