Mom's doctor called and she has a UTI which can be why she has been having all these symptoms, so we have her on an antibiotic. I worry that she is really sinking into dementia and I don't want to admit it.
As you can see from my totals, I am down another 1000 or more on the house, I went under 10,000 on the remodel loan, and under 15,000 on the Studio CC. I just have to get the Quick lock paid before the end of the month to meet my goals.
Something that I have not paid attention to with my debt is the interest, as it did me no good to fret, it was what it was. Get things paid off and don't back track. Sell the studio and get out from under. I am doing those things. Making the payments that I have to on time and eliminating things. The truck, the car, all the smaller debts, now the lock loan. But the interest on the studio CC is too high and the interest on the home improvement loan is too high. It is not like anything has changed but my perspective. I hate to see my hard earned money going to all that interest. The only thing I can do is work harder and pay off faster.
Once the home improvement loan is paid off I might try and find a way to pay off the studio cc at a lower interest. But for right now I am where I am. Things really won't change after the lock loan is paid off as I plan on sinking about 3000.00 in a saving account and paying my sister back some money she loaned me. I feel after the lock loan is paid, I need to regroup and get a sinking fund for all household bills. That way every thing is paid and replace on a monthly basis and all extra will go to debt. I have never been in a situation where I could do this before. We will see.
I love when one of my debts goes below a 1000 mark. Even if it is penny I feel like it mentally is easier to tackle. I am dreaming about the house and how many more months it will take before I get into the 40,000's, October? But again, I have a lovely summer ahead of me and I am not going to let the debt make me crazy. Just careful.
Well I need to get to work. Dang!
Have a great and productive day!
Kim
When I had the uti for four months, I felt like I was losing it. I wondered about me. I read that when an older person has an undiagnosed uti, the person is often diagnosed with dementia or Alzheimers.
ReplyDeleteWhat about the possibility of a bruised brain, or is the uti the answer?
I don't know about the particulars of your two loans, but is there a way to consolidate them and get a lower interest? I agree about getting something down below a certain point. It's like losing weight and getting down below 150 or another even number and suddenly, weighing 149 feels like a huge victory.
No cookies today?
I am hoping that clearing p the infection will help. I ate some cookies does that help?
DeleteGlad things are improving! Debt feels suffocating.
ReplyDeleteYes and I have been lacking oxygen now for about 30 years.
DeleteI had noticed the change on your sidebar yesterday but got distracted and forgot to comment. I am so proud of you getting your debt paid down! You are doing great!
ReplyDeleteSpeaking as a nurse, a UTI can definitely present signs of dementia in the elderly. I would ask that they run a repeat UA a few weeks after your mom completes her antibiotics to make sure that it is fully resolved. We went through this with my mother-in-law. She ultimately lost her license over it (long over-due anyway!) because she drove into a ditch. Police were called. Let's just say it wasn't pretty!
I really think my moms driving days are over. I hope!
DeleteLook at you....paying down that shit!
ReplyDelete