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Moving forward and upwards

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  • atrixa
    atrixa Posts: 549 Forumite
    Sixth Anniversary 500 Posts Photogenic Name Dropper
    Well done on all the studying! Dance classes sound fun, I'm useless at anything requiring co-ordination but I try to give it a go  :D Definitely skip if you think it'll play havoc with limbs etc.
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks SH, SW and Atrixa

    I'm unsure about the class as it's about a 60 mile round trip, just for an hour. Whereas I could go swimming twice for a few hours, it's only 16 miles for both trips and I could have a hot shower their afterwards. 

    I finished the chapter off, it was a struggle as I did a very long day beforehand, no lunch break.

    Didn't sleep last night, so listened to the class on the topic I've just finished. I might try and listen to my new topic class in the morning while I do bits of paid work.

    There's 41 pages of my new chapter, which I'll start tomorrow.  It's not a topic I've studied before however I'll try my best to finish Friday morning so I can move on to the next. 

    We had homegrown veg stew for tea 😀
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Swimming sounds the better option from your description.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks SH

    I'd talked myself out of it when writing the post. It's a no brainer when £10 would get me two swims, barely use petrol and I'd have change.

    Had 'training' today, double the amount of scheduled time, didn't teach me anything I'd not picked up a few months ago 🤨

    Got 34 pages left of this chapter, I should have it finished by Friday.

    The last two chapters cover a bit of everything in the book. I've got underlying knowledge from the previous level, just need a refresher and to expand on it.

    After that it's cross-reference and update the notes I'd done from the old book, find bits I've not been able to quickly find while doing all of this and then the grand finale of trimming out where I can to make it easier for memorising.

    Might have a study-free day as a reward before I knuckle down to revising, I've definitely earned it 🤭

    College are going to run some online classes for this module, got the dates and I just need to cross reference the weeks to the topics 😀

    Had lentil and veg soup (A1D1) for tea, got my feet up and been watching TV.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    A study free day sounds like it could be a good reset. You are pushing yourself hard. I appreciate sometimes in life you have to... Doesn't make it easier...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks SH

    I'm working to such tight deadlines that, in a way, I'm too scared to stop in case I slow right down and lose time or momentum.

    It will be the same high pressure preparing for the resit as I'll have 5 months to condense and learn before that exam.

    Only the last two modules will be spread over a year each; unless I've enough free time and daft enough to run them together over a year 🤨

    Goodness knows how I've cleared 10 pages, but I've 24 pages left of this chapter.

    I'll be happier when everything is typed up, condensed further and I'm revising 🤭

    We had chippy night, I've got my feet up and we're watching TV.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Payday and I've moved money to my study account, ready for bills at the start of November, moved some to the car everything pot, I'll shuffle the rest tomorrow. 

    My brain wasn't working when I logged off and instead I decided to spend my 2 hour study time checking and tweaking one of the chapters I did off the old book. If I have another blugh day over the next week I'll check one of the other chapters as doing 'something' is better than 'nothing' and it all has to get done!

    I've currently got 24 pages to do of the chapter I started the other day, 3 new chapters to do and 3 chapters to check and tweak.

    Having lentil and veg soup while watching TV.

    Thank goodness it's long weekend in the morning 😊
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your break from your day job
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks SH

    Yesterday I sorted my new SIM contract, £5pm for 6 months and £10 for the remaining 18 months.

    I was up just before 6am, TomBo shortly after. As he got ready for work he switched my stuff on but it was about 9am by the time I shifted to my desk.

    Got half a page left of this chapter, which I'm kicking myself over; I did procrastinate while studying 😐 I'll get it finished tomorrow and move on to the next one.

    I did more money shuffling. Moved more to the study account, savings and car pot.

    We'll be going shopping over the weekend, PaH, A1D1 and T.

    Had chippy night and I've got my feet up watching TV.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    We went to PaH, T and A1D1, dropped stuff round to SIL and I decided to have a day off while drinking my coffee when we got back 😊

    I've potted up ginger see if I can grow that indoors up here and made garlic oil.

    Currently got a lentil and veg soup cooking; everything homegrown onion, potato, garlic, kale and toms. From the shop was carrot, lentils and two Indian spices.
    - I looked at the A1D1 ingredients and decided to make my own, the sample I've had tastes even better than their tin 🤭 cost to make two portions maximum 20p

    I have to de-pod the borlotto beans and get them stored away, I'll do that in a bit as I'm just having a sit-down.
    Mortgage started 2020, aiming to clear 31/12/2029.
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