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My journey to a debt free life

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  • Onebrokelady
    Onebrokelady Posts: 7,834 Forumite
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    Nicnak wrote: »
    Not good about the urine infection. They really are the worst things.

    I need to start decluttering now ex has moved all of his stuff out of the house. There is so much that is mine that I need to start sorting through, and to make sure is gone, or at least has a permanent home. x

    No it's it good,I'm not sure if it's back other if it's just cytstitis,I've boug some cranberry tablets today and will keep drinking lots of juice,if it's still there tomorrow I might have to go back to the walk in center

    I'm enjoying decluttering my house,when I've finished it will be so easy to keep it clean as there w t be so much to move and dust :rotfl:
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,834 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Sorry the infection has come back, maybe you need more antibiotics.

    DGS sounds very cute :).

    It sounds a really good idea to put the money from your mum into your emergency fund and start your Christmas fund for next year. It will feel good to be ahead :).

    I'm going to see what it's like tomorrow and see,it might just be cystitis,I don't feel I'll I just feel like I need a wee all the time :(

    DGS is very cute but then I'm biased:rotfl:
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,834 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    edited 24 January 2019 at 5:39PM
    Got up this morning and headed out for my haircut,she did an ok job but I didn't like the way she dried it so I went to a shop with a loo and re arranged it a bit:D

    I then went to the council and a very nice lady helped me sort it out,I told her about us not being able to get an exemption certificate so she looked DD up on the council list,it was a bit of a faff to do but worth it,I got a big shock though because she told me due to the amount of money they owe me I can have a refund instead of them knocking it off next years bill and it comes to £587 :eek::j:j:j:j:j,I was soooooo happy:rotfl:the lady said it had made her day because she got to do something nice for someone for a change,she even apologised for it taking so long,I told her not to worry as it was worth waiting for:)
    I should receive the refund into my account next week sometime,and Ive decided I'm going to pay £500 I to my emergency fund savings and I'm going to use the £87 to treat myself to some bits,I still haven't bought any shoes for work yet and I have seen a nice top I like so might buy those on Saturday

    I then went to a well known supermarket and bought the ingredients to make my gnocchi bake for tea and I got another surprise,I went to the self service till and when I went to scan the butternut squash it didn't have a barcode on it,the supervisor came over and told me what to do but I couldn't get it to charge me on the till,she had a go twice and it wouldn't work,so she gave me the squash for nothing:eek:,she put a code in and said if they can't sort their machines out to work properly that's their fault,so I got a free squash :j

    This afternoon I've been busy cleaning the house,I've dusted and hoovered downstairs and I'm just having g a quick cup of tea before hoovering upstairs,I also cleaned the chickens out when I got back

    I bought myself some cranberry tablets today to see if that helps with my water works,I'm not sure if I still have an infection or just cystitis ,I'm making sure I drink lots and will monitor the situation,I didn't test my urine yesterday but should be able to do it to tomorrow at work
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Hope you feel better soon xx
  • Onebrokelady
    Onebrokelady Posts: 7,834 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Hope you feel better soon xx

    Thanks,hopefully the cranberry tablets will help:)
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Oh wow OBL that's great news about the council tax refund :T. Your emergency fund will be looking very healthy soon. And I approve very much of your decision to treat yourself to a few bits, you deserve it :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • System
    System Posts: 178,359 Community Admin
    10,000 Posts Photogenic Name Dropper
    :Faboulous news about the council tax rebate , I was going to say you should treat yourself with some of it. They say things come in threes and they did, money from mum, CT rebate and a free butternut squash.:rotfl:

    Your DGS sounds delightful, it's a great age I think. I dread them becoming teenagers .

    OBL I hope you sort your UTI/cystitis out, it's so blooming annoying.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Onebrokelady
    Onebrokelady Posts: 7,834 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Oh wow OBL that's great news about the council tax refund :T. Your emergency fund will be looking very healthy soon. And I approve very much of your decision to treat yourself to a few bits, you deserve it :).

    Thanks Hairy,it's been a very lucky week,I'm almost tempted to buy a lottery ticket:rotfl:
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,834 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    edited 24 January 2019 at 9:35PM
    :Faboulous news about the council tax rebate , I was going to say you should treat yourself with some of it. They say things come in threes and they did, money from mum, CT rebate and a free butternut squash.:rotfl:

    Your DGS sounds delightful, it's a great age I think. I dread them becoming teenagers .

    OBL I hope you sort your UTI/cystitis out, it's so blooming annoying.

    Awwww I've had my three things,better hold off on the lottery ticket then:rotfl:

    He is cute and funny,I love watching them develope they pick things up so quickly,I had forgotten how much fun small children can be:)

    I'm hoping it's jut cystitis and I won't need any more antibiotics,the cranberry tablet I bought are quite strong,you only need one a day,it actually doesn't feel as bad this evening,I think I must be a bit run down because I've got a cold sore too, this is why I don't like winter,I always feel rubbish
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,834 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    I forgot to post about this earlier but I was listening to my minimilist podcast today and they said something that really resonated with me,the one I listened to today was about debt and someone asked if he should get rid of his credit cards now he had paid off his debt as he was worried it would damage hi credit rating
    They said their view is that a credit ratings aren't credit ratings at all,it's a debt rating and all it does is tell companies about your ability to handle further debt
    They also said that credit cards are not credit cards they are debt cards that you use when you don't have the funds available to buy something,I really wish I had discovered this podcast when it first aired because I might not have run up as much debt as I did,

    The rest of today was spent finishing cleaning downstairs and doing a load of washing, it was then tea time so I cooked tea before we took the dog out for her evening walk
    I haven't got round to cleaning upstairs as I'm too tired and don't feel great,the water infection symptoms have settled down again so that's good,but I also have a cold sore and I've had Neuralgia in my face since yesterday,I get Neuralgia anyway but this seems to be being triggered by the cold sore,I had this last year too and it was quite painful for a while,every winter no matter what I do I get chapped lips and for the last two years I've developed a cold sore where my lip is chapped,I've bought so many lip balms but they don't seem to stop me getting chapped lips in the first place,I've got Zovirax cream for the cold sore so it should be gone soon but in the mean time my face is throbbing,plus next doors kids have been running wild and screaming all evening so I can't even sit in peace :mad:
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
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