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Moving forward and upwards

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  • doingitanyway
    doingitanyway Posts: 9,875 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Sorry to read you are overtired although not surprised. You achieve a great deal but do prioritise your own health and look after yourself
    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
    edited 11 September 2024 at 1:30AM
    Thank you DIA 

    I know I'm pushing too hard, there's honestly not enough hours in the week for everything at the moment!

    I've submitted the FBM case study earlier in the week, on tender hooks waiting to see if I've fully passed the course.

    This month I've treated myself to an orchid for home and had a couple of tattoos done.

    Added plants to ours and neighbour garden.

    Earned £400 + retail monies in August. 

    Plans for the September:
    - work on 2nd home (Monday's)
    - update price list ✓
    - finish body wrap learning, get practising ✓
    - e-file ✓ and e-pedi courses ✓, get practising 
    - start hot stones course ✓
    - order hot stones heater, then get practising ✓
    - order additional storage ✓
    - start reflexology course 
    - sort business account
    - pay takings into bank
    - pamper me eg wax, tinting, further tattoo etc

    Mortgage started 2020, aiming to clear 31/12/2029.
  • I wish I lived near you MF I could do with some of these treatments you do right about now 😌 
    Loving the plans.
    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)

  • doingitanyway
    doingitanyway Posts: 9,875 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    edited 2 September 2024 at 5:50PM
    I wish I lived near you MF I could do with some of these treatments you do right about now 😌 
    Loving the plans.
    Ooh me too! I made the effort to get my eyebrows waxed yesterday. Only £5 and I look so much better. I'm always surprised what a difference groomed eyebrows make.
    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)
  • Thank you DFW321 and DIA

    If ever you're up this way let me know!

    I could do with hot stones and working out how to DIY it. So far I'm thinking heat them up, have a few towels on the floor and roll on to it 🤭

    I've ticked a few things off my list.

    Placed an ad on my page only for an abridged treatment and most dates were booked within 30 minutes! I've directly contacted my regular models and got those booked in for the full wrap process. I'm going to order more products, just to be on the safe side.
    - I'm hoping to be ready to pass this course by the end of the month and already have 3 different services planned from it!

    I'll try to get my stones learning finished and heater ordered this month, then I can get an ad out for that next month!

    Resting with my feet up, had soup for tea.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Glad you are resting. Definitely soup weather  :)
    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)
  • Well done on your earnings for August 😊 September looks busy. What are your tattoos ? 
    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
  • Thank you DIA and Skinty

    The 'art' is 🐾 on forearm, but from a photo of mine.
    🦋🦋🦋 In memory of previous furbabies.
    Next sitting is 🍒🌸 which will be intermingled and leaves space for more 🦋 in the future.
    Sitting after that is adding to an existing large one to give it depth and texture.
    - All have significance and meaning for me 😊

    No choice but to rest as I'm drained, not sure how I'll make up the hours I'm not currently able to do.

    Had deliveries for 3rd home. Hopefully I should now have enough towels and shelving!

    Next month should be busier as I'll do a model call for stones and charge a little more 🤭 £35 when I pass the course, which is reasonable, and the same for when I add any other massage based / type service. 
    - I've done my HS learning, just need to decide on a heater and practice.

    Contemplated starting reflex learning tomorrow, but having watched a short video I'll wait as there'll be loads to take in. Instead I'll start my e-file course.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,937 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you restore your energy soon 
    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
  • Your body art sounds amazing and wonderful they have such significance and memories for you. 

    Glad you are getting some rest. Things have been so full on for you I think you have been running on adrenaline! 


    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
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