Future Proofing my life: Deposit saving then MFW journey in under 13 years

KajiKita

I’m so very, very pleased to read that you are standing your ground with Big Client. It reads like you are come to the end of your patience with them …. Well done.

Super news that you have covered all your costs and all work going forward now will be profit. Do you have a rough idea of how much you are hoping to earn from the remaining events on this trip?

I’m beyond impressed that you even remembered to renew your contents insurance when so busy and so removed from home etc. 😂😉😊👏

Hope it all continues to go well 😊 Is there some downtime for you, in the midst of the maelstrom of the exciting work and networking and events you are describing? 

KK

LadyWithAPlan

I note my first journal entry was 11 August 2021 
So I will do a 4 year update then Monday  with figures ...

Note to self : No home yet bought 4 years in and still here in my cheaper flat. Good news is  programme has finally started moving forward as live workshops, I will be building the website etc on my return.

Once the invoices get cleared then I still may not be house hunting I think til next summer - I will have more clarity  at the end August.
 I will need to get a new contract though first.. I still have the vision of not having to be a monkey and jump through a banks hoops and pay cash instead but given pension investments etc are so much better, and I want a small outer London pad with outdoor space ... I have may settle for a larger deposit (currently 23-25% of the flat I want to get)  so as to jump through less hoops.

However briefly - i will update on Monday

House savings 11/08/21   Savings £67,744.85   now approx   £115k plus a lot of open invoices from this current work and old invoices...  Given what I am owed and life its ok.

SIPP     11/08/21        £26,731.30   now Aug 8th approx £72,633 so tripled that - got 53.99% growth according to Van*uard fogures but who knows how they are calculating that..

Watty1

On the VA I posted on a Facebook group asking for recommendations but somehow got added to a professional whats app chat as well. That helped me get clear what I needed which was familiarity with a course platform and the ability to create the course within that and do all the admin.   I also wanted someone to keep on top of my mailing lists and run my bookings program and sort that out 

I spoke to a lot of keen people within my field who wanted the work as a sideline but as I interviewed I realised I wanted someone who could “just do” not someone who would learn to do.   

The person I found had already had experience and now I can just ping her an email with a technical challenge and know she will sort it in a fraction of the time it takes me. 

Being clear what I wanted her to do was so key because I knew what I needed.  Yes I could have figured all this stuff myself but honestly having someone who knows is so time efficient   If recommend her if that is the skill set you need 

TallGirl

So agree Watty sometimes it’s worth learning s new skill but sometimes if self employed it pays to pay for expertise and just get things done. 

Queen_of_the_Hive

LadyWithAPlan said:

I note my first journal entry was 11 August 2021 
So I will do a 4 year update then Monday  with figures ...

Note to self : No home yet bought 4 years in and still here in my cheaper flat. Good news is  programme has finally started moving forward as live workshops, I will be building the website etc on my return.

Once the invoices get cleared then I still may not be house hunting I think til next summer - I will have more clarity  at the end August.
 I will need to get a new contract though first.. I still have the vision of not having to be a monkey and jump through a banks hoops and pay cash instead but given pension investments etc are so much better, and I want a small outer London pad with outdoor space ... I have may settle for a larger deposit (currently 23-25% of the flat I want to get)  so as to jump through less hoops.

However briefly - i will update on Monday

House savings 11/08/21   Savings £67,744.85   now approx   £115k plus a lot of open invoices from this current work and old invoices...  Given what I am owed and life its ok.

SIPP     11/08/21        £26,731.30   now Aug 8th approx £72,633 so tripled that - got 53.99% growth according to Van*uard fogures but who knows how they are calculating that..

Hey Laplan! Well done!! You have done so well. 

Loved the line where you described what you are looking for in a home. You seem to have a better idea what you are looking for now which I think is half the battle. 

Good luck!! 

savingholmes

So pleased for you that you have more than covered your costs.

Alchemilla

So exciting to even be thinking about house hunting!

Merlin's_Beard

You definitely sound like you have a good idea of what you want and more importantly how you're going to get it!

LadyWithAPlan

Finally back in the UK and figuring out everything whilst battling jet lag and lots of busy-ness  - manage to lose a day in travel so... 

£26 cashback from Quidco is exciting   and I have been enjoying YNAB as I got paid last tranche of my summer work so nice to have excess to play with as well as cover the savings I pulled out to fund it. 

It was high costs to travel for so long  (2 months) but also I sold loads  (often sell outs which capped my profit) so I had covered my costs midway through  and came home with a profit - it was good I used YNAB for months beforehand in its own Category group  to keep tracking my total spend on the whole project from travel, advertising, product costs, merch etc. Yes I could have used QB accting but YNAB better honestly. it meant I saw I was making more by half way than I expected but I was also clear just how much the costs of the trip were - even not including food, the new phone (which has been amazing and so useful and saved me money on photographers)

Of course translated into £££'s its less and given how much work I did I could have made more here working back at main job - BUT it was an amazing experience, saw amazing things, met incredible people, earnt loads, outsold or levelled with  people who have a decades long fantastic reputation on that circuit  and a start to returning to my previous pre covid work which I love and actually brings value to the world. People would often stop me and say how much they loved my work and was their favourite Given how great everyone else was thats a huge compliment.

I also am looking at myself again as a winner and someone who really tried something big and triumphed
I will do a proper review for myself on what worked, what could have gone better etc  - I will go back next year
I also due to the chanting had a high life state - despite being away from family and friends for months I had fun - 

I am here for a few days then off to Europe to do the same next week.. including another programme workshop - this one I am selling tix to but only sold one so far so!! So thats this weeks job..

I will catch up with diaries - managed 3 so far only!

I also am doing yet another content creation /sm online course - having learnt loads as I travelled so really need to process what I have not had time yet to assimilate and out into practice..



@savingholmes @TallGirl @Watty1 @Alchemilla @Queen_of_the_Hive @Merlin's_Beard
tx all for the wellwishing 
I cant think re flat right now - need to focus on getting myself resettled and next steps on work etc - however we will be here for at leats another 8 months if not much more so no pressure. The pressure is to get saving hard again and move my career(s) forward 


I note I had no time to do a full 4 year review but I will using the figures I posted for my 11 Aug diary anniversary.

dawnybabes

I ‘watched’ along on instagram ! My friends were near you on holiday at one point but missed you by a day as I’d told them to go and see you !

welcome home 😁😁😁