Sorry for my post and half expected your response. 🙂
There's nothing wrong with the above but there are posts all over the forum asking for advice, and this isn't one of them

This thread is for people to have a moan, and we've just told a newer poster this after she decided to derail it in order to go on about her earnings and post unasked for 'advice' on how everybody (regardless of their personal circumstances) should run their lives. It doesn't help us reinforce that when people who have been here long enough to know better do it too.