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Moving forward and upwards
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Thanks Skinty, DIA and SH
As expected things were very awkward, however the end is in sight!
Your 'hopes' worked it's magic. 3rd home is mine in 4 days 😊
So much 'admin' to sort out, let alone building things, but this weekend is chill and recover; at most I'll write a to do list.
I did pop to the local CS while out and that was very productive. Got a beautiful cushion, slate chalk board, some films, two huge wine glasses and other bits.
- The wine glasses will house air plants as they don't require daily care, fit with my schedule and they're fascinating.
We're visiting A&U tomorrow.Mortgage started 2020, aiming to clear 31/12/2029.2 -
Ooh 4 days! So exciting!
Great CS finds, well done.
♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
25 in 25 So far 1 /25
⭐My rambling savings Diary ~⭐2 -
Thank you FP
I'm hoping with a lot of hard work I'll get set up within 2 weeks and can move on with my business.
I've also decided on a slight name change, feels more professional and not so restrictive as I develop and grow. I've updated my insurance.
Done a new logo, which is more classy and I'm just putting the finishing touches to my new business cards. Retaining the gentle etc part.
- Again, stuck on one point "Applying a holistic approach to" but I'm not sure what to put next, suggestions welcome 😁
-- ending with "to treat the mind, body and soul" is too cliche and I'm after something similar or to show it's not just one thing I'm trying to help, but reunite with a combination of hands on and targeted natural products to therapies.
Time to read my book and get some rest 😊
Mortgage started 2020, aiming to clear 31/12/2029.2 -
Got my 🗝️ and had a guided tour of what's changed since my original visit; very nice standard in the communal parts with gorgeous fittings. I've 3 double sockets which is more than enough.
Business cards are done, ordered and on their way. Very happy with the wording I've opted for, and had input from good friends about the new design etc 😉
Used my loyalty points to buy some marketing items from my facial co and other loyalty points to get voile curtains. Got a few more tunics for my new colour scheme.
I've got points with the furniture place to use, just haven't decided on what yet. I'll pick bits when 3rd home is all set up.
Must get price lists sorted and some things framed.
Mortgage started 2020, aiming to clear 31/12/2029.5 -
Great news 🤗 It all sounds wonderful0% 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/p13 -
Excellent news!! 🥳😁DNF: £708.92/£1000
JSF: £708.58/£1000
Winter season grocery budget: £600.85/£900
Weight loss challenge 2024: 11/24lbs
1st quarter start:9st 13.1lb
2nd quarter start:9st 9.2 lb
3rd quarter start: 9st 6.8 lb
4th quarter start: 9st 10.2 lb
End weight: 8st 13lb
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'3 -
Thank you Skinty and LTL
Things are moving quickly. Bed is arriving Monday, new business cards and other bits are arriving daily. Moved most of the furniture in, the rest will go over the weekend. Unfortunately, I'm having to finish the painting off and remove overspills from contractors before I can build my furniture 😕
Five beauty shifts and I'll be in 3rd home, busting my guts to make it happen!!
Really can't wait 😊
Been at 2nd home a few mornings this week, made a huge dent with clearing weeds, nettles and the like. Just need to get them into builders sacks 😐 various beans and peas have been sown too. The GH veg are doing well.
My herb garden will be up and running soon and I can't make up my mind whether to do the patio or fruit garden afterwards. I'll decide once I've a bit of headspace.
Feet are up, belly is full and I'm watching TV.
Mortgage started 2020, aiming to clear 31/12/2029.3 -
Great news on 3rd home.
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 -
Congratulations. You have the key. Really pleased for youIf 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)2 -
Thank you SH and DIA
As I expected there's snotty comments from beastie.
Been doing loads of gardening, weed removal, and my new salad seeds have sprouted.
Lots of weeding at 2nd home, flowers are appearing on my toms, cucumbers and courgettes.
Spent about 10h at 3rd home getting it painted, mate from 2nd home is going in this week to do the ceiling and I'll be dealing with the fit out on Sunday and Monday. Currently organising a date for photos and should be ready for opening in 11 days 😊
Final bits are being delivered, bed arrived safely and I gave the guys some biscuits.
Had homemade soup for tea.
Mortgage started 2020, aiming to clear 31/12/2029.3
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