Quarter of the way there and full speed ahead

elantan

well my day at the hospital went all, i have been discharged and no further investigation needed, the loss of blood was as i thought and nothing too much to worry about

had a bad day at work yesterday, there is alot going on that i cant talk about, and there is so many things going on that even i am not being made aware of, things are also changing hour to hour, one minute everything is ok then it isnt, so i am being told i am not required for certain cover, so i make plans then at the last minute i am being begged to cover ( i said no btw) then asked if i can cover something else just incase but i may not be needed, the situation that is going on puts my unit in the spotlight and whilst most of us have done nothing wrong, the ones that have done wrong are trying to turn the spotlight from themselves to the rest of us ( without going into too much detail)

so it is a very tense time at work just now and i think there will be repercussions and fall out from the situation, it has been hinted that i will be offered the contract i want as the boss wants people she can rely and trust working in the unit, but until i am given the contract i will treat it like speculation.

elantan

finance wise, the money for the books arrived yesterday so i have paid that to the various places, now i have another decision to make, head v's heart and all that

my interest on my new lending will be 3.29% and the isa will be 2.5% it will drop to 0.5% if it drops below £1,000 it currently wont do that as i have some money for the holidays saved in it, but once i pay the holiday off it will drop to below the £1k, now i am trying to decide, should i try and get the £1k saved so that i do have atleast some decent money for emergencies ( apart from the money in the 5% account which i dont want to touch) or do i plow the money into the extra borrowing as it is 3,29% then after tax it would be more than that , so effectively saving more, but having no savings,

my head says pay the additional borrowing el you will save money in the long run ( snowball calculator thinking here) but my heart is occasionally saying but if you atleast had the £1k then you know you have something to fall back on... i'm wondering should i tell my heart to shut up:rotfl::rotfl::rotfl::rotfl:

elantan

meant to add, the savings came off my account as well so that plan is going well also, slowly but surely things are going in the right direction.

have upped my monthly payment to the savings as well so that the extra i get from the tax man ( the whole £18 booo hoooo i wished it was more) will be working for me. i think with all that in mind i really should think about putting the extra money into the debt repayment, spose i have answered my own question really

GreyhoundAngel

elantan wrote: »

hog away my dear, i love it when others come in and share thoughts, experiences etc, saves me from re reading my ponderings lol.

it's funny how people are scared of the unknown, mr el's friends dissappeared into the woodwork and to be honest he has no interest in seeing them ever again, he does feel if they couldnt support him through the bad they dont deserve to enjoy him through the good.

i think most people do suffer from mental health issues at some point in their lives, it might not be as crushing and destructive as some peoples but i think it is natural to get to a stage where things feel crushing, some get over it quickly and others dont, thats the thing with mental health everyone is different, we all experience things differently.

is mr Ga still suufering badly from the effects of his stroke?

I always think it's awful that some "friends" think it's fine to be buddies when the going is good ... or want support when the sh*t hits the fan in their lives ... then booger off when the shoe is on the other foot ... makes me cross.

Mr GA is basically at the stage with his stroke where he's "as good as he's going to get" as far as the Medics are concerned. No further treatment (ie physio) or consultant input is going to change things, so they deferred him to his GP for any further check ups.

Having said that, the recent GP visit resulted in him thinking that Mr GA "may" have had another bleed - hence we're off to the hospital next week for more scans. I'm also of the personal opinion that he has suffered a degree of "mental illness" through this, but getting him to admit it so that it can be checked out is entirely another matter.

His health issues are also complicated by the fact that he also has Type 2 Diabetes, which is progressive in nature, so things only likely to deteriorate over type unfortunately.

Good news on the remortgage rate, that's not too bad. Sorry can't offer input on the ISA/Remortgage/Savings funding dilemma, but would say go with your gut instinct :rotfl:

Angel xx

catshark88

Snowball calcs etc. are very useful tools, but so much depends on what makes you tick, personally. Sometimes there may be a money management approach that works best for your circumstances, even if it isn't quite the most cost effective. All very garbled, but what I mean is that I hope that you find the approach that works best for you.

taxi73

hard one on the savings front as the others say one size doesn't fit all so what you are comfortable with is the best way to go

tattycath

elantan wrote: »

thanks very much for sharing snaggs, i love the way that attitudes towards mental health are slowly changing, yes we still have a long way to go, but at least those barriers are slowly being broken down, mr el had a breakdown at the start of this challenge, and the changes that occured within him were astounding, he tried to take his own life a few times, and i think alot of that was due to the medication he was put on, he is now in a much better place, but there will always be that mental health issue with him i think, he suffers from his dark days still, but he is learning to manage them and how to get through them so i know he is doing his best,



hugs tatty cath, do you still suffer from depression or anything?



hog away my dear, i love it when others come in and share thoughts, experiences etc, saves me from re reading my ponderings lol.

it's funny how people are scared of the unknown, mr el's friends dissappeared into the woodwork and to be honest he has no interest in seeing them ever again, he does feel if they couldnt support him through the bad they dont deserve to enjoy him through the good.

i think most people do suffer from mental health issues at some point in their lives, it might not be as crushing and destructive as some peoples but i think it is natural to get to a stage where things feel crushing, some get over it quickly and others dont, thats the thing with mental health everyone is different, we all experience things differently.

is mr Ga still suufering badly from the effects of his stroke?

Hi El.
I still have 'dark' days. I had a break down at 17 OD'd at 18. My parents couldn't cope and packed me off to my Aunty's for a couple of weeks. I had counselling (at some point after that) with a bereavement counsellor of all people-even though there was no bereavement.
Any way, he kind of regressed me to try and pinpoint 'the onset'. The turning point came when he told me to write letters to 'certain people' telling them they had ruined my life. ...(even though there was other stuff too-like I felt I had no control over my life & I was borderline anorexic too).
I thought... hang on a minute I'm only young, they have only ruined my life if I let them and if I let them ruin my life then they've won. Also to send letters would be punishing their families too (I thought, and that would not be fair on them) So i didn't write the letters and didn't have counselling after that.
I kind of know the 'triggers' now and usually manage to drag myself up by my boot straps as I know how dark and miserable a place depression is.:(
Sorry, I'm hogging your thread now :rotfl:

elantan

Hi all sorry I've not been about again, mr el hasn't been too good and I have had work etc

Tatty thanks or sharing your story as well, from what I've heard writting letters is a very common thing, it was suggested to mr el when he went for counselling that he do the same, he didn't need to send them but to write them down to see if it would help, i don't think he chose to do it though. Thoughts and feelings of suicide are much more common than is talked about, I have no opinion on whether it is right it wrong but do feel if a person wants to end their life then they must really be suffering, I don't for one second think its a cowards way out, it must be a horrific place to be


My phone really doesn't like me ... I'm starting to take it personal now ... I wrote sharing and my phone replaced it with hating .... Sigh

elantan

Financial news ... Checked the bank today and there was £20,000 in our account, sadly no one had donated it to us, but we have now got the second mortgage organised. First order of the day was to Tilly tidy even though there was no Tilly tidies available, so I paid 1p I then transferred another 99p as I don't like messy accounts lol

Will be sitting tonight and working out exactly who I owe and how much, will then transfer what I can to clear various debts, will phone the rest tomorrow and get the info needed, so we now have two mortgages and no other debt, I will be working my butt off to get it to one mortgage then down to none

elantan

Had sold two more books but one of them was going to cost about £2 more to send than I would've made so I cancelled that order, the book selling seems to have slowed down slightly just now hopefully it will start back up though. Didn't get a chance to get anything up for sale on eBay at the weekend, I was more concentrating on trying to do things with mr el that wasn't money related, will catch up next flw though I'm sure.

My boss has slightly got me by the short and curlies just now with overtime, she knows I want this new contract so has given me 13.5 hrs more overtime than my 45 agreed amount, she says it's to get me into the pattern of the new contract, as if I am on that pattern then it will make it easier to transfer me over, I really hope this settles down soon as I think a good bit of mr el's struggles just now are because I am working so many hours, it's making me think though will I be able to do a full time job if he is like this? Although tbh I think he would be fine if I was a Monday to Friday straight day shift ( which is what I want) but those kinda jobs are rarer than hens teeth. I am thinking though in the mean time I mr el doesn't improve shortly and I don't get this contract then I am going to cut the overtime back to 27 hrs ( will probably still land up having to do 40 or so) and not to be doing mainly weekends.