No More! debtfree2015's diary

debtfree2015_2

What a day! Havent heard from the above company, judging by reviews Im guessing itl be months before I see a thing, alot have ended up going to the FOS.

Before dropping dd of to nursery, I leant over the table to get the keys and felt my back go. I knew straight away before long Id be crying with every step - Ive done this once before, it was worse than childbirth. I hobbled to the docs, she sent me away told me to use paracetamol & ibuprofen, I explained they werent strong enough, she wouldnt let me see the doc. I gave up and went home, but by 4 I was wincing with every step so I hobbled back again. The doc saw me and pescribed the meds, which what I had last time. I did have some left but the had expired. She prescribed enough for a few episodes, she couldnt understand why I had been sent away. She also said once it goes its a weakness will keep on going so always good to have them onhand, she recommended a book to read re back pain too, to try to restrengthen the muscle. TOuch wood its only happened twice in 2 years, but then again both times the pain was outof this world, easily worse than childbirth which I didnt think was possible.

Anyway, all dosed up, should start to feel the difference soon! DD is not pleased at having to miss her bath, but no way I can lift her in or out, and she will be asleep by the time it eases.

Off to relax now, early night for me tonight!

debtfree2015_2

Slept really well considering, my back did hurt in the night, woke me up every time I turned but I was so tired I drifted back to sleep quickly, these meds are a godsend!

The course starts tomorrow, Im very excited! The short day, although I moaned about it to start with is a blessing in disguise, gives my back time to heal.

Next week, I have things to take to the dump, these are bits that I cant sell or give to charity as are broken, but Ive stupidly kept them thinking just incase! It should free up quite a lot of space. Im also going to bite the bullet and give up of dd's cot, high chair, babywalker etc. I normally donate everything to local womens refuge, though Ive struggled to find one here. Just tried an email address, hopefully someone will get back to me. If not there are plenty of charity shops, but my personal pull is towards refuges for obvious reasons.

I did have a rant on here earlier, but sorted the issue hence editing

MuffinTops

Hi DF,
I'm so sorry to hear things are on a bit of a hurdle for you. That insurance company thing sounds like such a worry, and I really hope they pay your money back. Well done for at least realising what they're like before the cut off time. How did you find them? Was it a comparison site?

Your back pain sounds horrendous. You actually sound in really good spirits considering. Oh and always feel free to rant! It's not like you've ever done it before either so I'm sure that when you do it's really needed.

Good luck tomorrow. I shall be thinking of you and sending happy thoughts!

debtfree2015_2

Hi Muffin,

yep a comparison site, they are one of the big supermarkets - Mr A. I thought they were linked so went for the name, only after I realised they are actually part of egroup ie ecar insurance, etc turns out they have just paid to use the name.

Had a brilliant day today, only a few hours at college, but just felt right! Cant wait for next week!

debtfree2015_2

Well, yesterday finished as a brilliant day, today has also turned out brilliant.

I started the day yesterday worried re insurance refund & courts re my address for DRO. Couldnt reach insurance co, and courts thought they had lost my application.

In my head I said a quick request begging for help (Im a big believer in Angels, but I always forget they cant help until you ask!)

Within minutes I had an email confirming my refund, money isnt there yet and from the payment processors site it appears anything from 3 to 30 days (bit of a cheek considering it only takes them 1 day to take it from our accounts!) but at least I have it in writing that its on its way.

I then had a call from the courts, they had found my application it was approved, the kind man offered to send it direct to the dro unit & send me a copy. I spent the rest of the day thanking whoever intervened for me, I was so relieved on both counts I could have cried (happy tears)

Today, first day on my course. Well only the morning really, but it all went very well. The group seem like a nice bunch, the teacher seems lovely. Got our kit, it seems fine, comes with basic scissors, but I can start saving for a decent pair for when I qualify, will also need a trade hairdryer, but for now we use the college own as they are all safety tested. I have a trade dryer but I use it at home, its good though Ive had it since I first started hairdressing, so 11 years! Mind you I suppose they are built to be used constantly 10-20 times a day, I only use it 3 times a week if that, Im terrible for letting my hair dry on its own, pure laziness!

The dummy head has changed since I first started, its made of real hair, our old ones werent, blowdrying them was a nightmare!

Got to get some stationary bits for next week, issue is having paid for my kit today I have no money to my name, unless this insurance refund turns up before next thursday! Luckily I have enough in the freezer to see us through next week, and as dd is under 4 I still get some healthy start vouchers so will be ok for milk & fruit & veg.

I will get part of the money I paid for my kit refunded as I qualified for a bursary, though I wont get that til next week and that will be by cheque.

I didnt realise that I could pay for my kit by cheque that would have worked out a lot better date wise...so keeping my fingers crossed for that ins money to get the stationary. If I dont get anything, Il have to call the college, explain and hope they understand the situation, I have a paper wallet thing which I could temporarily keep everything in until the following week.

All this re panic re that refund has reminded me I really need to have an emergency fund for when things like this occur. My budget does allow £17 for sundries, which I was intending to keep aside for christmas, birthdays and emergencies, but I havent had that spare this month after that insurance mistake!

Unless that money comes we will be eating all our 'reserves' food next week, so the following week will be an expensive shop to replenish the freezer, then again I will have 1 weeks food budget spare so should be doable.

Lots going round in my head right now, all good though, feels brilliant for things to be finally moving along :T

debtfree2015_2

Well the ins money must have cleared overnight, as it wasnt in yesterday but is showing today with yesterdays date. A pleasant surprise, and a relief!
I drove to the nearest town centre, which was easier than I thought it would be.
Got all the stationary I needed, plus my lunch bag, iceblocks and a refillable bottle for dd's lunch drink save keep buying bottles of juice!

Shower wash & batteries from £ store.

We had lunch out as a treat (only mcds). Parking cost £2 for about 4 hours, bus fare used to be £6.30!

Just weighed myself, Im 2kgs lighter than I was 2 days ago, my calfs are hurting, must be because we havent stopped the past few days. Thats a good thing though! I was always tiny when I worked in the salon because I was on my feet 5 days a week, I know it will only be 1 day a week now but better than just plodding along all day!

Tomorrow will be a quieter day, need a few bits from lidls, not a full food shop just cheese, fruit, beans off the top of my head. Will take exact money so I stick to my list.

I feel like having a change around, so am plotting how to move the living room around tomorrow. I change it every few months, always feels fresher after every change, as it means anything Ive missed when I have cleaned eg behind the sofa gets brought up to scratch!

Also planning to have the carpets cleaned when I have the money, only the living room & hallway need doing. They are beige carpets so look filthy, as Ive been here a year now, havent had the money to get them done yet. I have started a little envelope for that.

Ive been writing this for ages, had to leave the comp and come back DD has just fallen over, got a big bump on her head going to have a cuddle

debtfree2015_2

Manic day today. Food shop this morning, then housework all day.

I didnt end up moving livingroom around, as decided to declutter the hallway first, then that linked to dd's bedroom.

I have got a small chest of drawers (that tattered I dont think charity would take) and old cot mattress to take to the dump, which I will be attempting tomorrow, if I can take the drawers apart to fit into my car!

Also got an old highchair - I called refuge, they have had a lot of donations recently so no space, the charity shops have stopped taking baby things. Im not sure Il be able to get that to the dump as its long, I only have a tiny car, but Il have a go! If I cant get that in the car, the council does a collection service but its £48! £20 if on low income, which is better. Still a lot of money, the other areas I lived in were £17 per 3 items (regardless of income), and my very last area best of all was free for everyone!

The cot is small, Im happy to hold onto that until I come across someone who might need it, as its too good to throw away.

Fingers crossed it all goes to plan tomorrow. Im aiming to do it first thing in the morning, before the roads get busy, as long as I wake up that is :rotfl:

Better get started on taking it apart!

debtfree2015_2

I couldnt find the screwdriver to take it apart! Its literally 2 inches too tall for my boot, so my kind friend has offered to take it for me in a couple of weeks.

I did take dd's old mattress, and some old toys that were no good for charity, plus a couple of old boxes.

I have got a lot more to declutter, so will start gathering things to take next sunday, do a little each week until Im sorted.

That only took not even an hour to do this morning, been lazy since.
DD the past 2 nights has started sneaking into my room about 2 in the morning, talking to herself for hours before 'getting up to play' at 5 am. Not sure where its come from, Ive sent her back to bed at 2 am, she just talks to herself in her room which is next door to mine so still keeps me awake which means Im back to no energy, lucky its a sunday! I wouldnt mind if she woke up and decided to play in her room, I understand if you cant sleep you cant sleep so Im not one to try and force her just wish she wouldnt wake me up!!

Not much to report officially today, was a lsd, £4.87 on fruit.

Tomorrow should be a nsd!

MuffinTops

Oh my goodness, I'm worn out after reading your updates DF! You've done such a lot this week and I'm so pleased to read the insurance was refunded so you could get your stationery.

:T:T:T:T:T

I'm up a bit late for a Sunday night, so I'll catch up properly tomorrow but didn't want to read and run. Well done

debtfree2015_2

Been a tough few days. Nothing wrong really, apart from me being paranoid (I hope)

DD bumped her head on friday, which resulted in bruising. When I took her into nursery I explained what happened, they made a big fuss of her, which she loved! When I came back I had to fill out a form to explain what happened. Ive spent the past 2 days stressing that they think I done it, til my friend laughed and said of course not its for their protection, so you cant claim she was hurt at nursery! I felt so stupid, but Ive been really wound up, scared all sorts going through my head!

DD played up when I collected her from nursery, refused to put her coat or shoes on, or come out, at this stage it ws prior to speaking to a friend so I was still paranoid, I was as red as a beetroot not sure what to do. Ordinarily I would have taken her arm and marched her home, or picked her up if she pulled away etc, but because I was worried they all thought Id hurt her I was even more worried about what I should do, I could feel everyones eyes on me. In the end I managed to get her coat on thankfully I was really close to tears. We live minutes walk away from the nursery, but even that took 15 - 20 mins instead of 1.5 minutes because she kept running off, or stopping & not moving.
That behaviour was quite mild for a bad day, she has had worse, but it felt worse because at that point I was convinced they thought Id hurt her etc.

People go on about terrible 2's, they didnt exist! She was an angel, maybe its the terrible 2's delayed!

I know most of it is understanding & boundries, but its hard when you have no one to ask for advise, or someone to take over for 30 mins so I can just stop.

My friend, that I had the conversation with, well the relief I felt when she said re the form, quickly turned to frustration when she started on about her other half & her family.
I know everyone has issues, but she seems to find a problem whatever the situation, no one can win. She moans when grandparents want to help out, then refuses to let them help because its not to her liking, she doesnt trust them, their place is a mess etc, then a week later she is moaning because they havent offered to help out since. For her daughters birthday (age 2) she was annoyed that they had got the wrong brand doll - it was an interactive one, one of the top brands but not the one she wanted she being the mum not her daughter who can barely speak so would not recognise the difference between 2 names let alone brands.
It irritated me because I have to hear this week in week out. My daughter and myself, dont have anyone wanting to spend time with us, or buying dd presents, or loving us infact.
Its just the two of us 365 days a year, 24 hours a day - well thats a lie, 2 x 3 hour sessions at preschool during term time, but I know what I mean.
What I mean is, Id give anything in the world, to be part of a families life, for some one to want to see us, to be thought of once in a blue moon, to spend christmas or our birthdays with people who love us, or even to call us, wondering how we are.
Thats not me crying out for my family, my mother is an alco and dad doesnt want to know. I wasnt loved, dad was forced to take me due to the state mother was in, I existed until I was old enough to get out. Literally existed, School, dinner, bed. No hugs, no kisses, no christmass, no easters, no birthdays just the very minimum a child needs to live ie roof, a bit of food, plus the odd beating from his girlfriend for good measure. Probably explains my choice of ex partner :eek:.
Ive actually been pretty good with past choices, all sensible kind boys/men. I always thought there was something lacking, not warm enough, not loving enough. Then the ex, well I guess the part that attracted me was he seemed like he was strong enough to protect me, adored me wanted to be with me 24/7 everything that I didnt have as a child I finally did. Obviously with the good comes the bad, except with him it was the very bad. I wasnt the beaten housewife, it only took the once and I ran for my life. I guess there my childhood saved me :T, Id been through it Id seen the apologies I know they dont mean it wont happen again no matter how many tears are shed. No way I was going through that for another 16 years!

So I guess I fit the statistics, but that infuriates me, because I wasnt a statistic, Id managed to change it all around, good job, own home, good friends, money. I had everything I statistically shouldnt have had. Well all the good disappeared after one stupid shopping trip. (We met in a supermarket)....now I have fullfilled what is stereotypically expected, despite doing everything in my power to avoid it all, Single parent, jobless, bankrupt. Id have laughed in your face if you had told me this would be the outcome of that shopping trip in 2007. Weirdly enough, it was a quick pop to the shops after work (asda) I was feeling really run down with onset of the flu, but my friend begged me to help her. How I wish Id stuck to my guns and said no :rotfl:then again I wouldnt have met him, and I wouldnt have had my beatiful :A

I know Im drowning in self pity today. I know Im probably reacting because Im in a bad mood. DD is happy, I am happy, she is loved, made a fuss of daily, I over compensate with hugs and kisses, spending so much time with her she cant wait to get away, I guess making up for everything I should have got:rotfl:
Seriously though, gone of track there, re my friend I do listen to her vent a lot, and I do agree with some of the issues she has got, but sometimes I wish she would think before deciding to phone me with family issues.... Man issues phone away I have tons of sympathy :cool:

Hopefully thats out of my system, tomorrow will be a better day