If your money is in the bank for 2 months or you have an income statement from your embassy you can apply on the last day of validity if you like wouldn’t recommend it though might need more forms or something
You asked this on other groups no one can answer this it’s up to the IO she’s stands in front of but I seriously doubt they’ll let her back in without a proper visa
Unless your embassy issues a financial statement you cannot use your pension on your first extension it’s 800k and immediately start your monthly transfers of 65k so on your second extension you’ll have the 12 consecutive months