Prosperous soul embraces creativity & mortgage neutrality

savingholmes

Thanks FS, @MeandO and EH

Took it easy again today. PCR this morning. I felt quite dizzy. Had a nap this afternoon. A bit of a temperature - but better than yesterday. Hopefully back to normal soon. New thermometer and tissues arrived via Am****.

Cleaner can't come tomorrow which is just as well as it would have been a five week month and I've only budgeted for 4 times a month. She knows that but even so would have been awkward. Switched my counsellor to telephone for tomorrow. 

Weight came down in a jump today which was nice - will see if I can maintain and continue to lower it. Feels like a combination of being ill and meds.

My CC debt went up  higher than planned last month - but that was partly due to getting fuel and a food shop a couple of days early so hoping will balance out. I did stay debt neutral. I have paid my target CC off. Unfortunately that only clears the extra I spent at the weekend (early). That then leaves me 2 CCs - one which is paid in full each month - and one that can be interest free for another 20 or so months. I'm not expecting any big bills this month - so ought to be able to manage without increasing them this month. Next month I'm expecting a £210 car bill depending on whether I get my brakes done... I want my CC debt to finish around £1.5Kish. 

My EF dropped from roughly £2.4K to £2.3K. My goal this month is to either pay for historic energy or to have EF equivalent to £2.4K at next pay day. 

Mortgage went out - which drops me below £200K to approx £199414. (No app so guestimate). Means I have paid £2.5K+ off the principal in just 4 months.

Hope you are all keeping well.

beanielou

That is am amazing amount to have paid off in 4 months.

MeandO

Great to have the mortgage under £200K SH, and and impressive amount to pay off in 4 months! X

Chrystal

Just to say I'm thinking about you, and hoping you start to feel better quickly.
You're doing so well, but please take care of yourself.  (((hugs))) XXX

savingholmes

Thanks Beanie, @MeandO and @Chrystal

Slept badly with hot flashes but just realised I forgot my HRT after shower. Hopefully, I will get back to sleep. I was dreaming both my work and personal laptops were stolen. Thankfully that's not the case.

MovingForwards

What an unsettling dream!

Your CCs will go up, stay the same and go down for a little while yet, however, you're in control of them and have cleared so much over the last couple of years.

In 2 months give your lender a quick call to find out the current balance, then wait for your annual statement. Twice a year you'll have exact figures to work off and plan around.

try_harder

 Thats a big relief i bet !.Fingers crossed for you

lucielle

Hope you feel better soon. 

L

skint_spice

I hope the test is negative and you feel better soon.

Well done on the mortgage, it’s great dropping the thousands for me so dropping into the next hundred thousand bracket must be very satisfying.

WelshKitty85

Get well soon x