Think of your state of mind and what would be worth it.

None of this might be practical. But it has helped me before.
Thinking about some of this again now myself.

I do wish you to return to a peaceful state of mind and lifestyle that we all deserve

I'm not all sure what it is you do. But I've been there before.

Some advice that might not be all good. Look at the rate you think you can get. Look at altering your living conditions to were it would still be comfortable if you did get that rate, until you are able to reach your current rate