Grace, what if you kept a calendar to chart your thoughts and emotions. Something quick, but that you can look back on to see your own trends or just to clarify your thinking. You could put a face that shows how you feel (happy/sad) and D or ND to indicate your thought on that day. Might be helpful in looking back on it.
When money is not a driving concern to get these things done, it does make it more difficult. In my case, I would lose a lot of money and benefits by finalizing, so that has obviously been a big impact in not doing so.
