u/Wrong_Clock_4880

I’m asking for opinions please, not advice

I have 3 credit cards with 0% interest, totalling about £11k.

(The cards were used to pay for big chunky pieces of expenditure on the house, not just uncontrolled spending)

I am paying these off regularly as per my initial plan and will have each of them fully paid off within the interest free period

On the other hand- I have the cash to pay them off now if I wanted to

One important piece of information: for personal reasons, I prefer not to earn interest on any money in the bank, I cannot use interest in my savings/growth/plans for the future. I can put money in stocks/shares

My question (for opinions, not advice!)

Would you keep the money in the bank, and pay off the credit cards as planned (within their interest free period)?

Or

Would you pay the cards off now, and use the monthly money to do something else (could be saving in s+s, but just as likely to get spent on life)?

I’m curious what people would do

My mother is 88.

Today, she just felt unwell and weak. Not sick, no pain, no other symptoms- but just weak

I don’t know what to do for her - I’m a medical professional, and my instinct is to take her to hosp and medicalise this all

But I also know what I’d say if I saw her as a patient. She’s fine. She’s alert and oriented. Her heart rate is fine. Her BP is fine. Her resp rate is fine. She’s well perfused. Her colour is fine. Taking her to hospital comes with its own risks.

I know that, as time goes on, people become weaker. I know that everyone has ups and downs. I know she’s reached a venerable age and that I can’t stop time

I also know that medicalising things comes with its own problems

I thought I’d give it a day or so; I’m working from home for the next two days so she won’t be alone and I can respond as she needs me to

Please can someone just tell me that this is reasonable.

I’ve been fine, and now suddenly I find myself in a pit of despair

No trigger but my own thoughts- just a well of sadness deep inside me

Rationally I know this is silly and pointless, but I want to reach into my chest and pull out this hollowness that has settled in just behind my heart

What do others do when this happens to them? Does it happen to them!?