RE: My rebuilding plan and light at the end of the tunnel

Hang in there ! When you get those qualifications (and I know you will) make sure you make the most of them - hopefully your current bosses will appreciate it enough to give you the raise you deserve.

With Hive, I know you'll rebuild. I wish I had even half the energy you put in here !

I'm lucky; I've got some savings. But the Moneypit Mazda has been rapidly running through them, and last week I was presented with a difficult choice. It made me think. Did I fund the latest round of repairs by drawing down on my ISA (tax-free fiat savings), or pulling out HBD. I realised that I consider HBD to be more valuable than fiat savings, and that if it came to it I'd rather keep my HBD balance and just take out the interest to rebuild the fiat savings if I didn't have enough actual cash to do it.

So yeah, rebuild Hive, and then if you possibly can try to set it up so that if you have to pull it out, you're using earnings but leaving the capital intact if you can. You've got this !

!BBH
!PIZZA