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Moving forward and upwards

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  • Fantastic news well done on passing your course 🥳💐👏 

    Wow that’s a long list 😳 don’t forget to include some rest! ☺️
    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
    Well done , you are a super star!
    Don't wear yourself out trying to finish that list! 
    Flowers. 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

    The list looks long, but it's little bits eg case study and other laptop things can be done on the same day. BW learning i can only do 9 modules, the other 2 are when I'm practicing on clients. Business acc I can do off my phone etc.

    I've tweaked my list and pushed a few items into next month / next payday. Ticked a few things off too.

    No bookings today and therefore cleaned 3rd home, chilled, waxed my legs and measured up for the unit; I'll be using loyalty points to cover most of the price.

    I had a sleep when I got home, after a light lunch of Italian bread with French butter; hubs went to the city for tasty supplies while I was out.

    Continuing with happy news, I passed my hot Wax course today, all the latest examples I submitted were great 🎉

    I've got a masterclass in applying false nails to do, hot stones and reflexology to start; written in the order I'll be doing them.
    - I've also got a spa course with my facial co, which will compliment some of what I offer; I'll chip away at that.

    While I've having a busy year, aspects will ease off eg the amount of new training, next year will be more of a top up / gain more knowledge in my treatments.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • doingitanyway
    doingitanyway Posts: 9,875 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    All sounding good but very busy. As you say, it will start to calm down soon.
    A huge well done.
    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)
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you DIA 

    I'm hoping a few more months and I can focus on building up clients, I'll also do some extra hours at 3rd home over winter as I won't be at 2nd home as much.

    I was at 2nd home all day, did a load of weeding and cleared more brambles. Felt like I'd got somewhere with it.

    I've just ticked a few more things off my list, behind on others, and will see what I can slip in tomorrow eg do and submit case study, tinting and a couple of BW modules.

    Been resting with my feet up for a few hours and looking forward to bed 🤭
    Mortgage started 2020, aiming to clear 31/12/2029.
  • All sounding really positive 😃
    Just a thought on those packages you're going to offer. If you have a client in could you make it known that if you have time in your diary on the day you're able to 'upsell' there and then to a package if they decide they want one last minute. I know what I'm like if I go for one treatment I think why didn't I book in for x y or z too... especially if there was a special deal to be had and ability to do it if they had space there and then I think I'd do it more often.

    Hope you get some rest in between all those jobs you sound super busy ♥️
    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)

  • savingholmes
    savingholmes Posts: 28,937 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on your many achievements. Hope you get some rest too.
    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 DFW321 and SH

    "Up selling" it just happens as I'm used to spotting things when doing treatments, discuss it, say what I'm able to offer, being naturally passionate about what I do the client jumps at the opportunity. I'll slip in a 'taster' or try before you buy, even doing a "luxury" for the price of a "regular" as I block book time.
    - It's hard for the client after that not to want the "luxury" during future bookings as they've seen how good the results are.

    Same with retailing products, ask how their getting on, suggest adding a further item to their routine and to think about it; they buy on the spot!

    It's not hard sell I do as I don't like having it done to me.

    I've added a few things to my list, altered dates on others and am halfway through writing the case study.

    I am having rest still have dreadful fatigue from my bug 😊
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Hope the fatigue passes soon. Do you have the bank holiday weekend off?
    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)

  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    DFW321 It's the start and end of the week I don't do my day job, usually I'm at 2nd home on Mon's.
    - wish I could afford to drop 90 more minutes a week, but it's not viable yet.

    As I had no bookings I took the day off, proceeded to pop to 2nd home to harvest a few things, then did weeding and harvesting at home; also slotted in pickling of cucamelons (very cute small cucumbers), I'll be pickling normal cucumbers when I get up and making an okra, tom and lentil soup.

    I need to do a final read of my case study before submitting it. Thought about looking at it now but the tutor would probably be very worried having an email off me this time of night!

    Finally figured out what I need for my e-file course, I'll order those in the morning and get a free e-pedi course.

    That will bring me up to having body wrap to finish, hot stones, reflexology, nail tips, e-file and e-pedi courses to start; logging it here to keep track 😶
    - hope I don't spot anything else, although I don't think there's anything else I want to do this year.

    Run out of one of my meds, weather is turning colder too which isn't helping.

    Totally overtired.
    Mortgage started 2020, aiming to clear 31/12/2029.
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