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Quarter of the way there and full speed ahead
Comments
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Have you thought of getting Mr El one of them daylight lights to up his vitamin D? Supposed to be very good for 'the glums' tho' I haven't tried one myself. I am on happy pills but becoming much more aware of how I'm doing. Having said that I have a time lag and don't realise the gradient of up or down. I use https://www.moodscope.com as it does nice graphs of just how I'm doing. It's only 20 quick questions so it may be something that Mr El feel like doing.
NL x0 -
Am not too bad Thanks
you will be glad when you are finished the radiotherapy, i have my fingers and toes crossed that this is the last of it for you honey xxxTilly_MFW_in_6_YRS wrote: »Hi El, sorry to hear about Mr El. Hopefully having your remortgage through will take some of the pressure off.
Good luck with your planning.
Best wishes Tilly
Thanks Tilly, i took mr el out for a walk tonight and will try and keep that up for a while ( he is trying running as well but that doesnt seem to be helping) i've noticed he seems to have seperation anxiety, as i am working alot of shift work just now he seems to be missing me more, i think that kinda highlights my need for getting the right new job as opposed to just any new job ... he will get there though i am sure of it, i think the walk did him some good so farHope Me El improves - having the money will probably ease one burden. Next to get job sorted!
Enjoy playing with the money - I know it's bill paying, but with quantities like that it's a bit like Monopoly.
it was exactly like monopoly money GG... i was rubbing my hands in glee and buying up property in my head ... was a very enjoyable experience0 -
NorthernLas wrote: »Have you thought of getting Mr El one of them daylight lights to up his vitamin D? Supposed to be very good for 'the glums' tho' I haven't tried one myself. I am on happy pills but becoming much more aware of how I'm doing. Having said that I have a time lag and don't realise the gradient of up or down. I use www.moodscope.com as it does nice graphs of just how I'm doing. It's only 20 quick questions so it may be something that Mr El feel like doing.
NL x
i have and use one of those lamps myself NL as working night shift sometimes means i dont see daylight for weeks at a time will suggest he tries it thought thanks ... i have spotted your moodscape posts on the book of faces and read a few of them, he is currently using an i pod app that charts his moods and has found it very helpful, i will suggest moodscape to him as well thanks0 -
well ... i transferred money to where it should be, i phoned the people i needed to sorted out what needed doing and slowly i have a more complete picture, those Tilly tidies really have made a dent into the debt, i have already made in roads into the new mortgage and will have the big mortgage overpaid by £500 shortly
it feels really good to have control over things better, not having to think of £25 for this and £100 for that etc ...
have sold another two books so will get them posted tomorrow, i think ( although will re double check tonight at work) that i have made it down to £699 a month so that is great ... i have started organising the visa with the £5 a month payment and how i am going to keep on top of that ( i WILL NOT go back to where we were )
i am going to speak to my boss about taking toil for the extra hours worked, we need to spend time together till mr el is better, so if i have to do these shifts just now i am going to take them in toil as he needs me and that comes first. i have looked again for more jobs, i am going to keep brain storming other ways to earn money ( incidently i did my second week of the work i am doing self employed the other day) i have to change days for the next two weeks for that as the boss has me working, i do however happen to have a person from head office coming to meet me on monday to discuss healthy living as i have offered to take a few projects on for the team and i will be discussing my other talents and letting her know i am available for treatments ( you never know this could be a nice wee earner)
i am actively dealing with things but going at a more slowly measured pace in accordance with mr el's needs0 -
Sounds like you're in control el.
I've private messaged you.
TWMortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Got money in today for the books so paid half to the second mortgage and half to the savings, I feel renewed in our efforts to clear things off will be working out exactly how much were paying in interest per day shortly.
Mr El seems a wee bit better, we went for a walk both last night and tonight, I noticed tonight he was much more willing to talk but I didn't mention anything, when I came into work he phoned and thanked me for the walk explaining that he is slowly feeling a bit better, hopefully he has started to turn the corner again, this time he has been down bad for a couple if weeks ...0 -
nice to hear that he's feeling a little better..baby steps is good0
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Hi El, Pleased Mr El is starting to feel better-Hope he has turned the corner. It can be an uphill struggle but as taxi73 said-baby steps and not expecting too much too soon is good
x
GE 36 *MFD may 2043
MFIT-T5 #60 £136,850.30
Mortgage overpayments 2019 - £285.96
2020 Jan-£40-feb-£18.28.march-£25
Christmas savings card 2020 £20/£100
Emergency savings £100/£500
12/3/17 175lb - 06/11/2019 152lb0 -
Very true taxi and tatty, it's gonna be baby steps for a wee while till he is more at himself ... Will see how he is today and have a better idea if he has turned the corner or not
I worked it out that we are less than £6 a day in interest £5.97 is how I worked it out.
So as well as having my target of being less than £700 a month (£699 next month so far, so I am now taking it down to £675) I am going to try for a target if £5.75 a day interest and see how quick I can get that down as well
So two wee challenges to keep me focussed on getting rid if this debt.
Seeing as how I have a couple of challenges for debt reduction I should really work on a challenge or two for savings increase .... Hmmmm will need to put my thinking cap on0 -
Loving the positivity El, and I can just picture you working your way round a monopoly board as you bought up each "debt", what a great visualisation tool that would make !
Hope Mr El keeps on improving and is soon back to himself.
Angel xx
PS - Can you lend me some of that in a bottle please :rotfl:~ On the Road to Making Dreams Happen ~
January £10 a Day Challenge £ 0.00 / £750 - (Running Total £1,512.11)
52 Week Challenge £ 0.00 / £1,378
Debt Owed £23,200 / £19,251 - Mtge Owed Bal £140,000 / £130,940 - Total Debt Balance Owed : £163,200 / £150,1910
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