Moving forward and upwards

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  • Thanks SH

    The peas are about 6in tall now and I'll have to sort a frame for them.

    Lip blush resulted in horrific cold sores, which I'm still dealing with. 

    There doesn't seem to be enough hours in the day at the moment, or I need to be cloned. I'm continually multitasking, been going to 2nd home after the day job and even when resting I'm doing something. 

    Smaller HS heater arrived, bulk of my original order came the next day. 

    I have booked the Warm Bamboo course and started my learning. Until the heater arrives I can't really practice as some won't fit into my HS heater.

    Not much else going on at the moment 🤭
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Sorry to hear about the cold sores 🫢 hope they heal up quickly 

    Glad you are finding the time and energy for 2nd home. Hope not much else on as you can only cope with so much before you run out of energy!  Take care of you too x
    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
  • savingholmes
    savingholmes Posts: 28,873 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the cold sores heal quickly 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £176.1K Equity 32.26%
    2) £2.9K Net savings after CCs, Garage (£1.4K), Holiday (£1.2K) & Art course (£2.9K) + materials
    3) Mortgage neutral by 06/30 (AVC £18.2K + Lump Sums DB £4.6K + (25% of SIPP 1K) = 23.8/£127.5K target 18.66% updated 26/4
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4K approx 26/4/25
  • MovingForwards
    MovingForwards Posts: 17,138 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Thank you Skinty and SH

    I'm over the worst of them and feel more are waiting to appear. Honestly they looked absolutely horrendous and made eating/ drinking very difficult. 

    Work is getting me down, they've stripped a lot of aspects and so we're looking at the same thing all day. Thank goodness I'm PT.

    Made a huge dent in 2nd home:
    My onion / garlic section is ready for planting.
    Herb section is nearly ready, just needs a little more weeding, maybe an hour.
    Section after that is done and covered.
    Strawberry patch needs about 2 hours of work before all the extra strawbs can go in.

    Got the patio area to do / slab.
    The top covered section.
    The bottom covered section (a lot done before I covered it and gave up due to brambles).
    The apple tree strip.

    I'll keep going into winter for as long as I can.

    I'm up to 2.5 days at 3rd home. Slowly building clients but still have capacity for more 🤭 

    HS is going down a storm, as expected I'm having rebookings.

    Still unable to properly start bamboo practice without the heater. Only one doesn't fit in my HS bag so I may try and do it that way, offer partial body.

    Need to submit my BW work this week.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Eek definitely won’t be getting a lip blush done then 😳

    You have been busy in 2nd home I don’t know where you get all your energy from. Glad you are steadily building clients at 3rd home
    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
    how are you doing? Havent heard from you for a while? How is the new business going?
    love 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: 17,138 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Thank you Skinty and FP

    We're on skeleton staff for day job and under a load of pressure.

    2nd home I've been pottering around.

    Business is doing very well, mainly growing from word of mouth rather than me doing ads in local groups. I've gained clients from within the premises, more want to book.
    - Takings for October covered my November rent in full and I wasn't fully booked either!
    - Retail is taking off.

    I did treat myself to some gorgeous earrings and a nose stud. Changed our relationship from passing pleasantries to full on business ideas; I'll be getting promoted by them and I gained them as clients and retail customers 🤭 so far four of us are planning a joint Xmas client do 😊

    The bamboo heater finally arrived. Not sure if I said but the second apology from the company came with the offer of picking a free gift and I opted for their HS training; I've that and bamboo via them BUT it's at L3.
    - I did my first WB practice and it was very well received and will be rebooked, added into their normal visit schedule.

    As I've now had 3 clients fall asleep during HS it's time to do my assessment.

    I'm slowly recovering from a bug, I do think it was that again, spent most of my time in bed only getting up to eat chicken soup. Therefore I am behind on plans. 
    Hopefully later today I'll submit my BW assignment, also get everything printed and prepped for bamboo as I'll be ready to do that assignment after a few more practices.

    Well, think you're all caught up. I'm off to try and get some sleep and I'll slowly catch up with diaries 😀
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Great update MF 😊

    Sorry to hear about the pressure at job1 and that you’re poorly with a bug. Hope you feel better soon. 💐 😘

    Progress at 3rd home sounds amazing 🤩 and great news about your developing relations with fellow businesses. 

    Hope Tombo is well and looking after you so you can get plenty of 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
    HI MF, lovely to hear from you.
    Sorry the day job is stressful.
    Good that the beautyside is doing so well, really pleased for you on that.
    Rest up as much as you can, these bugs can take alot out of you and alot more time to recover than you think!!
    ♥️ ♥️ ♥️
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • savingholmes
    savingholmes Posts: 28,873 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your beauty business is taking off. Must be a relief.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £176.1K Equity 32.26%
    2) £2.9K Net savings after CCs, Garage (£1.4K), Holiday (£1.2K) & Art course (£2.9K) + materials
    3) Mortgage neutral by 06/30 (AVC £18.2K + Lump Sums DB £4.6K + (25% of SIPP 1K) = 23.8/£127.5K target 18.66% updated 26/4
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4K approx 26/4/25
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