29th July 2020

These posts were originally posted on the MoneySavingForums (a UK money management site), I am moving my journals across to WordPress to have them in chronological order. I’m not sure how much of other people’s words I’m allowed to copy across from one site to another, so in some sections I may summarise conversations.

So I havent been keeping this quite up to date the last few days  but only 2 or 3 things happened
Firstly, although the concept of “debt free” still feels very meta and difficult to grasp, a good thing happened that was more real to me and felt good
I was on a date (not the good part… although, actually, yes, the good part) and at the end I was able to go “I’ll get this one, you get the next one” and pay for the entire meal for two people like it was no biggie
And it wasn’t a biggie either! 
I remember going to that exact restaurant about 18 months ago and freaking out a little at the prices but the other week I was just like “I got this”
That was pretty cool
I’m trying to book my first FA Diploma exam for the end of August. The module is called R01. I’ve bought the voucher for the exam, I’m just having trouble redeeming it for a date online. I’m going to call them tomorrow and try speak to a person about it.
There’s a slight chance I’ve just left it too late in the academic year to get it done before the syllabus change. If I have to take the exam in August I’ll need to pay £40 for an updated textbook… I mean, I could really do with NOT paying that as this entire course is hella expensive, but £40 isn’t the end of the world.
Finally, I’m actually getting my nan’s money soon. The cheque has arrived at my parent’s house – although the cheque has a typo on apparently so chance it gets rejected initially, but they can just rewrite the cheque if needed.
I’m wondering if, instead of putting £400 into my H2B ISA, I put £400 into my FA Diploma fund instead.

It would make more of a difference there and at this point it feels about equally likely to happen and have a long term impact on my life.
In my H2B ISA I need £10,000 minimum, likely more, before buying a house becomes a serious prospect. To finish this course I shouldn’t need more than £2,500. It would go further in that pot than in my house deposit fund.
An investment in my future **cheesy finger guns**
Right now I’m still planning a split of £500 for Canal Boat Lessons, £100 for creature comforts, and £400 for Investing In My Future, be it H2B ISA or FA Diploma.

August 2020 marks the start of Life After Debt

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