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In other news, I joined
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Also I'm signing up for
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Created
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OOh and I created
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Anyway I'm sure there are more to come!
I was a bit worried about starting tutoring before school starts even though I need the review - but I'm finding textbooks based off the Lecturers in The Great Courses Plus and McGraw Hill. Plus, courses offered for free by Yale. I suspect I can use those to get revised/educated on a lot of these topics before the courses start and set me up for success.
Hopefully. The reality is, as many financial experts say, you can't save your way out of poverty. I paid off my card. But after I put in my share of the mortgage and money we're saving toward fencing and GFCH, paid Lauren to walk Jake next month, insurance, etc. I barely have anything left over. If I'm honest with myself, I need to be making at least 1.5x what I'm making now, especially if I want to hire tutors. If I'd had a cushion, I'd not have built card debt to begin with.
If Patrick were working evenings and could walk/let Jake out mid-day I could cut Lauren (who I am pretty confident wants to be cut anyway) and that would give me a £240 bigger cushion monthly.
The doctor was right to recommend against working in the cast. It took me two days to write this post lol.
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Problem: I don't even have the supination necessary to cook, clean, or open fucking round door handles. And I'm supposed to be getting moved to a splint on the 30th? lol. I've emailed them to try and give a heads up.
I've set up a direct debit with my SIPP and ISA again, with a goal of getting them up to £250 each per month over time (for now a minimum of £100 each, since that's the minimum investment amount). But, I also have my work pension which is not the best but decent. I'm not the best off (according to Fidelity I should have near 3x my income in savings by now.)
But the average for women is £11-12K and I am at least closer to the average men have in savings??? I guess? Lol. I'll put 100% of any secondary income in savings once my wrist is recovered. And since I'm on the property ladder, I'm building equity, that basically means 50% more assets than I originally thought I'd get to by retirement age. And if I significantly increase my income by becoming a nurse (near double) I can just keep living mostly as I do now and save near 50% of my income.
And... this is the most I can type in the cast, so off for a nap I go.