LJ's Mortgage free road to early retirement

Queen-Bee_2

You are so good, fitting in exercise and a social life as well as study!! For me it seems an either or scenario... exercise goes out the window when I'm essay writing and as for a social life... well forget it!! I should take a leaf out of your book!!
QB

LouiseJ

I was up at 5.30am this morning though QB, I really should have done more studying today but as I have nothing planned apart from food shopping tomorrow I should get lots done.

Exams start one week on Monday:eek:

setmefree2

beanielou

Have a fab night
Hope exams go well.

pammyj74

Oooh good luck in your exams, will be thinking of you. I have been awful and study has gone on the back burner at the moment but I just have the books and can work at my own pace (which is probably a bad thing as I dont HAVE to study and dont have to be committed)

getting up at 5.30 to study is highly committed, I applaud you

LouiseJ

I decided to give myself a lie in this morning until 7am:D

Starting to get that panicky feeling now as I still dont know enough on at least one of the papers to pass......much work still to do.

Todays plan is.......

• Quickly do ironing (and I mean only desperate items)
• Food shopping
• 6 mile walk (these seem to really help my mind focus)
• Study my arriss off for as many hours as possible:o

Just about to do ironing then out for walk at 9am, shopping at 11am which leaves the rest of the day to focus.

DS1 has AS exams this week too..........I havent seen him with a book in his hand once:eek:

cookie9

Good luck. I find using mind maps help me revise and are easy to picture in the exam.

LouiseJ

I think I really should post an update but its not pretty:o

I seem to have totally lost the plot big style and my mortgage overpayments are getting further and further behind.

I also did something so stupid with MrT CC as I thought that by putting all spending on it to get extra points then pay it off the next month would be easy to do.............obviously not:o I just have to accept that I have a really bad relationship with Credit Cards and just cannot control the urge to send off only the minimum payment so I should just accept that I really cannot use them........full stop!

Firstly I need to clear of the MrT card its over £1000 and i have just put Florida tickets on it too (£620) so I really need to face up to this or I can see me being right back to were I started 5 years ago.

Its very strange how your savings dont ever seem to grow as fast as your spending when you add them up do they?

One good thing is that I have £650 saved up in my money neutral gifts account although the matched betting has ground to a halt despite there being loads of freebies around during the world cup.

I am really my own worst enemy.

So, I have asked for help from a very special friend and we are going to try to keep each other on track.

I am so grateful xx

Buffythedebtslayer

Found you!

I too had the thing with the points........trouble is I don't live near a tescos any more (haven't for about 8 years!!!!) and thus never get to use the flipping things!

I honestly could cry over the money I have wasted recently and like you Lou I am completely my own worst enemy.

And in case anyone is wondering I am the special friend and trust me I am really special!!

I am off for a declutter/ebay stuff to sell ( I never really have got to grips with that to be perfectly honest) but will be back later my love

Love
Buffy xxxx

beanielou

YOu can do this hun xxxx