Gap is Back - Time to Knuckle Down

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  • beanielou
    beanielou Posts: 90,306 Ambassador
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    So glad that you are feeling more positive now :T
    So you are doing a MA~~wow.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • savingholmes
    savingholmes Posts: 27,396 Forumite
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    You will get there. I did a post-grad while working at one point - it's tiring at times - although when it comes together its great. I'm glad you managed to buddy up with someone who is doing something smilr - I'm sure that will help long term not just now.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £12.3K
    3) CC £4.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • girlatplay
    girlatplay Posts: 3,883 Forumite
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    Oh no no, I'm not doing a MA. I'm doing CIMA (Management Accounts). The girl I had lunch with yesterday did a MA a couple of years ago and she was being supportive to me when I was saying I was struggling. She did hers by distance learning and I'm doing that too. I didn't meant to mislead you, sorry.


    I woke up this morning in agony. Both legs and my left shoulder all the way down my arm to my hand. I was struggling to walk :( It's a relapse and there's nothing that can be done about it, I just have to wait it out until it goes. I took painkillers this morning and they've helped. I made it to work and I'm now on the bus home. Last time this happened (about 18 months ago) I had to take time off work because I couldn't walk further than the bathroom in my flat. I'm angry with my body for letting me down yet again so I'll fight as much as I can and hopefully it won't get worse this time. At least I know what I'm dealing with.

    I'm going to do a couple of hours of study this afternoon. At least I can sit with my feet up while I do that.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £166,457.86
    300 282 payments to go.
    House buyout fund £3,261.67/£40,000
    Random Pick Fridays = £80.01
  • beanielou
    beanielou Posts: 90,306 Ambassador
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    Sorry that your body is letting you down :(
    Keep plodding xx
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • [Deleted User]
    [Deleted User] Posts: 0 Forumite
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    How are you feeling GAP? Hope you've been able to take it easy and your body is giving you less trouble :)
  • beanielou
    beanielou Posts: 90,306 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Hope that you had a relaxing weekend :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • girlatplay
    girlatplay Posts: 3,883 Forumite
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    I've not disappeared completely. I've just been having a bit of quiet time. I seem to be recovering quicker than last time so that's a positive. At the same time, I've had a lot going on and I've been more spendy than I should have. It has been confirmed that I'm getting a small bonus from work at the end of the month but I've been spending like I have it already which is no good because (1) I don't know how much it is going to be and (2) Oh, eh, I don't actually have it yet. *facepalm*

    :o

    I'm going to catch up with other diaries this afternoon but I probably won't post much until after payday weekend (30th). I'm trying to get myself back on the wagon and I'm going to try to be a bit tighter with the funds for the next 1.5 weeks.

    :)
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £166,457.86
    300 282 payments to go.
    House buyout fund £3,261.67/£40,000
    Random Pick Fridays = £80.01
  • beanielou
    beanielou Posts: 90,306 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    :wave: good to see you :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • savingholmes
    savingholmes Posts: 27,396 Forumite
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    Glad you are recovering quicker this time.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £12.3K
    3) CC £4.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • girlatplay
    girlatplay Posts: 3,883 Forumite
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    Thank you both :)

    NSD yesterday.

    SSD today (£2.97) - bread, hand soap (cheap bubble bath to be decanted - £1.10 and equals 6 x 250ml bottles) and some unnecessary (but much craved) chocolate.

    Other diaries for a little while then back to studying (seeing as I've not looked at it since Friday :o)
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £166,457.86
    300 282 payments to go.
    House buyout fund £3,261.67/£40,000
    Random Pick Fridays = £80.01
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