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Moving forward and upwards
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Your bestie doesn't sound as if she should have the title. Surely, she should be pleased for you. My close friends would be...roll on the openingIf 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)3 -
MovingForwards said:Thank you SH and DIA
As I expected there's snotty comments from beastie.Only 11 days and counting MF !!!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/p13 -
Good luck. Sure all your hard work will pay offAchieve 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 6/7/252 -
All sounds wonderful ❤️
I think it might be time to put a freeze on Beastie and cut the cords metaphysically speaking ❤️
Don't let her vibe get yours down you're doing an amazing job!MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
Total- £1162.23
Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)
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Skint_yet_Again said:MovingForwards said:Thank you SH and DIA
As I expected there's snotty comments from beastie.Only 11 days and counting MF !!!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)3 -
Thank you DIA, Skinty, SH and DFW321
You did miss the name change and saga I've been through while ill. As I've got bookings and need to give these ones my details I can't call it a day, also trying to gather a few more examples of my work.
There's only a few people in my life that I've told about 3rd home and they're supportive. Haven't told my wider circle as we all remember how that didn't gain me the experience I'd hoped.
2nd home mate has finished the painting for me and we're regrouping in the morning to deep clean and begin the fit out. I'll take a load over with me too and that shouldn't leave much, possibly only my in use products and equipment.
Got a confirmed date for business photos and I've sent ideas over.
I'm organising my FBM assessment. Nearly finished two free accredited courses which were much better than what I paid for at the start of this adventure. Had queries answered by the trainer I did A&P with about several courses. I know I wasn't going to return to them however theirs are dual accredited. Still got my admin, price lists and colour display to do.
The next few weeks are going to be a blur but so worth it.
Mortgage started 2020, aiming to clear 31/12/2029.5 -
Remember to raise your prices at some point too - as I think you said that Beastie made you under-charge... You need to earn a profit, plus cost of materials and more than NMW for your time. I appreciate it's difficult at the beginning though - just don't want you to under-sell yourself.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 6/7/254 -
Thanks SH
Would you be surprised to know beastie announced my move, full location etc before I had. Things are tense and clients are picking up on it.
We dropped a load more things round to 3rd home. Just leaves what's left at existing space to move.
I will be increasing some prices and introducing other treatments when I move. I've already got multi service bookings 😊
Dozed off for a few hours and heading to bed.
Mortgage started 2020, aiming to clear 31/12/2029.3 -
Glad to hear you are increasing some prices. People expect you to charge what you are worth. Hope beastie isn’t bad mouthing you to clients behind your back. Sooner you are out of there the better0% 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/p14 -
Thank you Skinty
If course she is! While also saying to me I've picked the wrong area, not experienced to do it alone, won't cope with complaints and I should have moved in the New Year (when people can't afford these things 🥱 ).
- positive feedback from clients / potential clients to the photos I've shown them. I'm even having an original client return to me due to what I'm now offering and being accessible.
Popped into the CS and got a few more things today, they want a poster from me to put up. I've a couple of other physical places to advertise and SM of course.
I'm going to do promo for brides / grooms. Combo offers eg facial with nails and toes etc. I will succeed as I'm professional, trained and use the correct techniques.
Got a busy time ahead of me:
- select certificates to display, reprint / frame them; I'm thinking hygiene, posh facial, A&P, specialised treatments
- do nail colour display
- update price / retail lists
- set up remaining items
- finish my 2 free courses
- get a load of wording together, with images, so I can randomly post them
I'll be gardening tomorrow, subject to weather.
We had pizza for tea and my feet are up.
Mortgage started 2020, aiming to clear 31/12/2029.4
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