2020++ - smiling and waving and looking so fine

savingholmes

I sympathise on CC4. As long as 0% I think maintaining cash flow brings peace of mind.

ohdearhowdidthathappen

Agreed... CC4 was a decision on cash flow and you could pay it off if you wanted/needed to.
Yes, I'd hate to be in debt right now with all the costs rising, it's a juggle keeping everything on an even keel.  I feel sorry for people on fixed, low incomes with no wriggle room.

mark55man

very reassuring to see your thoughts - all credit is a cash flow decision - pay now or pay later - but that's what got me into trouble in the first place so being careful - as long as I end the year straight I will be happy

savingholmes

I get the fear it will become a slippery slope however hopefully you've learned that lesson now. 

Meanwhile like a good MSE I will ask is there anything you could sell to clear the debt faster or any additional income opportunities?

mark55man

So lovely start to the long weekend.  Nice walk into town the long way round.  But the tale darkens, was my first trip to the dentist since the pandemic and (tbh) quite a bit before that - so a check up and hygienist comb special for the Saturday to address the local backlog. Check up fine  couple of things showing wear and tear and one filling to be done later.  The hygienist had a decade long neglect to remedy so was not enjoyable but he seemed pleased enough so I guess I got away with it.

Just having a coffee then a potter in the garden - can't believe its already time to start putting things away

savingholmes

Well done on facing the dentist. 

Good you also got your steps in...

mark55man

Thank you @savingholmes

I also did some financial chores - 
* tidied up my spreadsheets to make them simpler
* reapplied for my disabled persons railcard which I got for needing hearing aids £54 for 3 years discount plus carer if travelling together - my OH loves being my carer
* decided I am going to help DS1 clear off a small loan outstanding from his van business as its getting him down and stopping him moving forward (and possibly moving out)


 

doingitanyway

Well done for going to the dentist. I used to be phobic but now I go...

savingholmes

Thanks for sharing re disabled railcard. Will look into that for me too. 

I think if kids need a little help to fledge - it's a balance isn't it - but them fledging is a very clear reward... 

mark55man

Been a while, don't worry I'm fine - still a little meh, but mojo coming back!.  Did do a long post at the weekend but the cat jumped on my laptop and killed my session.  Goodness only knows how they know how to do that

Managing at least 5000 steps as a daily average over the last few weeks.  In a sweet spot working rom home 3 days and at work 2 days - for the time being.  Kids all doing well and surviving/thriving in difficult circumstances.  EF and CC all in the right place 

Made a decision (after a lot of shilly-shallying / spreadsheeting) that I have just over 400 working days left before I retire - mid summer 2024 if I remain full time, but perhaps a little longer if I go part time or if I need to stay longer to counter the calamity that is the UK government as it unravels our stability and prosperity.  Feels the best balance between supporting family and drawing an end to over 4 decades of slog.  So not going to be a constant theme, but good to see the clock ticking down (or rather the X's on the calendar)