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Moving forward and upwards
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Glad you are restingIf 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 SH, Skinty and DIA
The art is amazing 😍
Everything has been full-on. Working FT while learning, reducing hours but adding in beauty and more learning, getting 3rd home and more learning. Thinking about it, I've effectively covered a couple of college years into a matter of months.
I passed FBM with "flying colours", have printed my certificate and emailed it to my current tutor.
Got my first stones model booked in following her modelling for my abridged wrap treatment; which she loved and will have again when it's added to my list 🤭
I got lucky and won a dry stone heater for just under £10 on 3bay, it came with a set of stones too. I'll be using this until I can afford the one I need for my business.
- I've practiced on myself a few times, the heat really gets through to where needed and makes a vast difference. Find a college and get booked in with students to keep the cost down, you won't regret it!
I've started my e-file course too ☺️ need to do my facial co spa course.
Been resting with my feet firmly up.Mortgage started 2020, aiming to clear 31/12/2029.3 -
You are so busy! the hot stone treatment sounds so lovelyIf 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 -
Amazing, you are doing so much!
I have had several hot stones massages and they are winnel the heat mashed a huge difference. Plus as the practitioner you don't have to press with your hands so much, so it's good for you to!
Love flowers x♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
25 in 25 So far 1 /25
⭐My rambling savings Diary ~⭐4 -
Well done on motoring through the extra courses.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 DIA, FP and SH
I've retained clients who came for my model practice, gained clients from within my business building and have my first December booking!
Uncomfortable dilemma is beastie wants to book in, so far I've avoided replying 😕
I have passed the e-file and e-pedi theory and just need to confidently know which bit to use on what area, as using the machine is simple, and I'll be ready for my assessment.
I've completed Spa product training today, it demonstrated how to do body exfoliating and wraps which was beneficial. I'm hoping to do another learning session tomorrow.
Outstanding Plans for the September:
- work on 2nd home (Monday's)
- finish body wrap practice, take assessment ✓
- more e-file and e-pedi practice
- hot stones practice ✓
- sort business account
- pay takings into bank ✓
- pamper me eg wax, tinting, further tattoo etcMortgage started 2020, aiming to clear 31/12/2029.2 -
Awkward on Beastie. Only you know what works for you.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 -
Plans look good for September & some pampering for yourself too.Beastie is not welcome (imho) probably wants to be nosy & see your set up and will probably bad mouth you to her clients as she did before. Just ignore!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 -
Thank you SH and Skinty.
Your views are the same as mine, with the added she'll attempt to pinch my layout when revamping hers, which will still be too small to offer what I do. It was a very bad experience and honestly seriously knocked my confidence.
New clients are very positive and keep saying there's no-one local offering what I do eg IHM, FBM, BW etc; this was my opinion too when reviewing the area.
I've been ploughing through courses and my insurance co have let me add body exfoliating off the back of one; that will create a lovely spring or wedding package!
- all certificates printed.
I'm on schedule to complete BW and HS by the end of next month, all models booked in, started reflexology as these courses are run by an academy who do the new NVQ and there's a lot of info compared to my other trainers.
- need to book the warm bamboo course.
Waiting on my original HS and bamboo order, even though they were going to ship everything in stock and backorder when in received. I've ordered a smaller HS heater from them which I can use in my pedi or home visits.
Pension from takings is going up nicely.
Had lip blush done, need to return for top up in 6 weeks 😶
Some pea pods decided to sprout, potted those up and they're in the window. Wonder if I'll have fresh peas Xmas 😯
Mortgage started 2020, aiming to clear 31/12/2029.2 -
Good luck with the pea pods. Pea shoots are apparently great to eat as a salad equivalent.
Well done on your continued education. Good you are getting positive feedback and reviews.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
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