A whole new world, for now

satchmo1

At my lowest, I found anti-depressants just meant I didn't cry... there was a lot to cry about, mostly not financial.

The mortgage being gone is one less burden for you. The nightmare client's power is still overwhelming. Maybe cutting your losses would cut their power?

Gentle hugs xx

in_need_of_direction

Thank you all for your comments.  I would absolutely love to just draw a line under that client but, for various complex reasons, I can’t. I need to protect myself professionally and reputationally.

yesterday little was done though I did have a lengthy chat with ds and a briefer one with dd. I also took my gp’s advice, now that my back has eased, and went for a walk.  DH came too but may not in the future as, he has catlike tendencies and did not appreciate the wind and the rain. 

He did get 3 items on eBay which is good. 

Today I need to address some work, pick up a birthday present from a bakery across town for my sister and meet a former colleague for coffee.  At least there is an outline to the day.

today I am grateful for
engagement with my children 
ebay postings
msers’ willingness to read, share and advise

jwil

Congratulations on clearing the mortgage and the weight loss.

With nightmare client hanging over you it's not surprising you don't feel like celebrating. 

Keep looking after yourself in the meantime x

in_need_of_direction

Unexpectedly and without comment, the nightmare paid. The cheque had been signed two months ago so, on the advice of a friend, I hotfooted to the bank.  Her concern was that someone new put it in the post having seen it sitting signed and ready to go.  When this is discovered, it may be stopped but in a day or two, it’ll be beyond that. 

While I was in the branch, I formally closed my mortgage paying the outstanding £48 interest.  It’ll take a few weeks for the deeds to be delivered to branch and then we will pay to have these released. Charges are £160 a year for bank to retain, £50 to collect in person or £75 to be sent to a solicitor plus their charges. I have a £20 big river voucher so plan on getting fire proof storage and going with the £50 option though I’d welcome thoughts on this. 

The joy hit a small bit yesterday as I left the bank.  I then worked out that even without the unanticipated money, I could still have done it before my birthday so something achieved. 

Today is dh’s weekly office based day so I will be productive. We are at a play tonight which I’m not particularly looking forward to but may see people I like there. 

Today I am grateful for 
completely mortgage and debt free - I don’t count monthly cc spend provided there are current account funds to pay in full
builder calling by to say the weather forecast means he should be able to restart on Thursday 
having one less thing to deal with to complete the nightmare client

peb

If registered completely pointless in paying for storage.  If not (unusual but possible) consider a voluntary first registration,. More up front put then peace of mind.  I think you are NI so just checking I'm right...

peb

Northern Ireland is different but I expect the same principles.  Sorry, you need more local specific advice 

satchmo1

Hurray to payment from Nightmare (ex)Client  -  no matter what the circumstances of the cheque arriving, and yes it was best to bank it immediately.  

Hurray to being mortgage-free. Some years ago there was a school of thought that said clear everything except the last £1 of the mortgage, to avoid the exit fees.

beanielou

So pleased you got the cheque & have it banked.

24ta

Pleased the nightmare ex client has paid.
Great news to be mortgage free and the fact that you could have been without the unanticipated money.
Don't lose sight of the fact that YOU made that happen

Cherryfudge

Two lots of good news at once - well done! Even better that you were on track to paying off the mortgage by your birthday. You will always have that achievement.