To address number 4 , get the app You Need A Budget . It helps tremendously , and assuming you ' re a student , you can get the first year free . It will help you stop spending all of your money on junk . <| sep |> Hey , I just wanted to thank you for your reply . I wanted to do so when I first read it , but as soon as he began feeling better I just wanted to avoid admitting that we are on a very limited time line . After a bad blood test last night , I ' m trying to deal with the fact that we have only weeks left together and not the months or even years that I ' d allowed myself to hope for . Thank you for your kind words and for addressing my question . I hope your time with your loved one has been special . Sorry for not wishing you well sooner .