We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Moving forward and upwards
Options
Comments
-
Sounds like you got oodles done! Well done. Sorry about other job kicking off but hopefully you won't need it for too much longer.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 6/7/253 -
Thank you FP, DIA and SH
Treatment and retail price lists done, just need to do retail prices on the label printer, print full lists off and copy certificates.
I'll start working through the nail display, try to do 5 nails a day. It holds 120 but I've not got that many bottles, I hope, and could do some basic nail art.
Was at 2nd home for an hour, long enough to water, be happy with how things are growing and back home for a rest.
Mortgage started 2020, aiming to clear 31/12/2029.4 -
MovingForwards said:
Officially, 6 days until photos taken, 10 days until live 😊
🍾 🥂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/p14 -
If it is opening day. Huge good luck with everything!! Come on and let us know please.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 -
Hope all goes well with your opening.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 6/7/252 -
Thank you Skinty, DIA and SH
With freshly coloured hair I opened today, but haven't decided when my open day / drink and nibbles will be; I'll decide when the photos are ready.
Was in for just gone 8 so I could do more organising, I'll finish it tomorrow. My client absolutely loved the salon, how I've fitted it out and the treatments received; booked in for the next appointment. Have a booking tomorrow and other days have bookings too, more following my page.
I've put together a folder of price lists and I'll add wording, treatment info and other bits as I go along.
Started doing the nail colour display and the colours are gorgeous.
I'm recycling everything I can too as not many salons do..
I had a wonderful day, stress free and relaxing 😊
Mortgage started 2020, aiming to clear 31/12/2029.3 -
Amazing, well done. Only wish we could all join you fir the official opening!
What a treat that would be!
♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
25 in 25 So far 1 /25
⭐My rambling savings Diary ~⭐3 -
Fantastic news on your opening and first client. It all sounds wonderful and wishing you every success, you deserve it!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 -
Congratulations on your new venture"If you can dream it, you can do it". Walt Disney2
-
Thank you FP, Skinty and jwil.
Although it's only my second day, second client, both have been so positive about the new look and layout.
I've introduced a short, specific area for massage and offered it to today's client. They totally relaxed, or slept, part way through and thoroughly enjoyed it. This is my beauty model and we discussed what I'd like to get a bit more experience with. My details will be getting circulated round their friend and family circle.
I've finished all the nail colours for the display and they're a delight to apply. Need to do the extension colours and top coat effects; only about 7. Did more organising, put the rug under my desk.
I had a huge smile on my face all afternoon and got some much needed confidence back 😊
Tomorrow I'll be hanging the pictures, polish shelves and whatever else I can quickly do. Also visiting A&U.
Monday I'll get money paid in to the bank, finish 3rd home and the pro photos are being done. I'll do full advertising.
In the week I'll have a go at doing a basic website, get my details added to my facial co so people can find me for treatments and retail. I'll start the wording for the different services and products; latter is copy and paste from the company.
Tea was spaghetti bolognese and my feet are up, still wearing a smile 🤭
Couldn't have got this far without your support and encouragement xMortgage started 2020, aiming to clear 31/12/2029.6
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.7K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards