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Moving forward and upwards
Comments
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Thing is you're only just starting out and have repeat business. She has limited 'range' with her snarky comments. It won't matter longer term.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/253 -
Not long now!! 🙌🥳
Ignore beastie - her jealousy and bitterness will come back to bite her at some point! You're doing great!! 😁'Happiness is not a destination but the journey you walk every day'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
JSF: £0/£2000
'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'4 -
Just goes to show how insecure she is if she feels the need to try to bring you down to her level.
You'll do amazing because you ignore the drama and get on with it and have a great attitude (as well as skillset obviously!)
😁❤️Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
EF- £442.41/500
3 -
Thank you SH, LTL and DFW321
Trust me I'm ignoring and shrugging the comments off, I've had more than my fill of them. There's always drama, it's not great for business and unprofessional.
3rd home is nearly finished, bit more organising and set up to do and I'll be ready for clients. Still need to do price lists, frame certificates etc; didn't have the energy after day job to do any of it although I wrote on an existing list what's being added / increased.
The last of my bits are arriving, including towels.
Officially, 6 days until photos taken, 10 days until live 😊
Car is back home and on the road for another year, cost just under £430.
We had soup for tea.
Mortgage started 2020, aiming to clear 31/12/2029.3 -
To quote Michelle Obama...When they go low, we go high
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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
10 days that will fly by!Cant wait to hear how it goes when the customers start coming through the door xx♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
25 in 25 So far 1 /25
⭐My rambling savings Diary ~⭐3 -
Sorry missed something about the car. Service/mot & some repairs? Exciting to get photos done. Not long now x0% 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 -
Steady progress is good. Not long now.
Well done on cashflowing car maintenance etc.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/252 -
Thank you DIA, FP, Skinty and SH
I may have forgotten to mention about the car and just put the outcome.
Day job is kicking off again 🥱 (yawning face).
Photo meeting is delayed by a week, but she'll turn them round quickly for me when taken 😊
I'll be popping to 3rd home for the next few days, after beauty, to do more of the set up. All the admin side still to do too and I may slot that in during the day where I can.
I may be quiet while doing the final push, but will provide an update towards opening 😀Mortgage started 2020, aiming to clear 31/12/2029.3 -
Yay, good luck with that final push! 👏Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
EF- £442.41/500
3
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