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My journey to a debt free life
Comments
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Cherryfudge wrote: »You are making great progress - money and exercise both going in the right direction! And I'm so pleased the cat seems to be on the mend. Nice of your Mum to help out there.
Good to see your debt down under £17,000 - well done! Just take care of yourself especially as you've got health issues. Walking to work is impressive... I walk to work but it takes less than five minutes which is why I'm impressed with your much more substantial walk. All those £10s will soon mount up and hopefully you'll get a break from the weight-increasing meds too.
I shouldn't try to post in the middle of the night: I can't string ideas together properly! I hope you get the gist. Meanwhile I'm off back to bed and sleep.
Thanks Cherry,I totally get the gist of what you are saying,I post sometimes at odd hours when I can't sleep and I always read it back and think"that makes no sense whatosever:rotfl: "
My mum is so good to me,if I had known she was going to give me some money I wouldn't have told her about the cat at all because she won't take no for an answer,we have hatched a plan to pay her back though so I feel better now
The cats eye is looking good to me,the vet we saw showed my what to look for and I can see that it's improving so hopefully he is finally on the mend,it's so sad because he is a really cuddly cat and loves snuggling up with me and DD2 but now when weary to pick him up he runs off because he thinks we are going to do his eye dropshopefully he will forget about it now we only have to fothem twice a day
I'm being careful with my walking as I do have a tendency to overdo it,however if i get the balance right it helps with the Fibromyalgia symptoms so it's a good way of keeping that in check,I only do it I feel the weather is good too because there is nothing worse than arriving at work soaking wetOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,1201 -
Wow what a lovely day I have woken up to today,it's boosted my energy levels a bit that's for sure
Today started off with a walk into town because I lost my yearly bus pass on Thursday and had to go and pick it up this morning from the lost property office,it was weird because I got home from town on Thursday to a text from DD1 asking me if i had lost my bus pass,she is actually away on holiday at the moment so I was wondering how she would know if I had but apparently one of her friends was on the bus and saw my pass after I had got off the bus so she handed it to the driver and then text DD1 to ask me if I had lost it,what are the chances of that happening......it was weird and so very lucky she was there because my pass is worth about £500 and it's not got any Id on it so anyone can use it,someone could have got a years travel free,Im paranoid I'm going to drop it now though and keep checking my bag to make sure it's in there :rotfl:
I also multi tasked and took the dog with me so she has had a lovely long walk,we had to go on a bit of a detour though because I live on the other side of the river to the city and my main route into the city is closed now every weekend in May while they do flood relief works on the bridge,I didn't know this so walked down there and was stuck:eek: so I had to go back along the river right out of my way to get into town along the next bridge over,mind you I took a detour up a road I've never been up before and it took me directly to the town center and was quite nice to walk along,I love discovering new bits to the city I live in,it's like being on holiday :rotfl:
I've got a list of jobs to do today so I had better crack on with those in a minute,I might even get the grass cut which would be nice,I've been brave and let the cat out today seeing as I am home all day and likely to outside for some of it, the chickens are sunbathing in the garden and I have the place to myself because DD2 and her BF have gone walking today and are camping overnight so won't be back until tomorrow afternoon so happy days here today :jOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,1201 -
A very productive afternoon here today,I got the grass cut and tidied up the front garden, then I went down to the chip shop for chips for my tea,I,also went to the shop and bought a humumgous bar of fruit and nut chocolate,it's my last big treat before knuckling down on my diet tomorrow and I worked hard today so burnt off a few calories,after tea I went out and swept up the back garden because the chickens dig about and make a mess,I also hoovered the house and did another load of washing,I didn't come back in the house until it was dark so I've spent most of the day outside today,it's my favourite place to be when the weather is good,tomorrow I am having a relaxing day and I'm going to do some sewing,I'm hoping to get quite a bit done because I need to finsish it by June the 8th,Im so glad I got the garden done it looks lovely out there now
My neck is a lot better today,I think the heatpad helped plus doing some gentle stretches as well,it only hurts now if I look up or shake my head so just have to be careful not to move it too vigorously
Hopefully tomorrow will be another lovely sunny day and I can relax in my tidy garden with my sewingOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,1201 -
Just popping in for a quick update,it was my day to have DGS today so I've been busy,I overslept too so that put me on the back foot all day,my plans for the day were to visit my friend who lost her dad two weeks ago,we had a good chinwag and I think DGS cheered her up
Next was my SW meeting I finally made it back and I'm glad to say I am still at my target weight because I have lost 1/2 a pound this week,I don't know how though and I ate a Snickers barn on the way to the meeting:eek:
I did some food shopping today and I downbranded my curry sauce,I normally buy Pataks but I bought Sainsbury's own brand instead and I'm glad to say it tasted lovely,I can't remember how much it was but definitely cheaper than my normal sauce
There were no early buses yesterday because it was a bank holiday so I walked to work and saved myself the £10 taxi fair,I have so much more energy when I walk to work rather than getting the bus,if its not raining in the morning I'm thinking of walking tomorrow too
I've just finished reading a library book that my daughter borrowed so have to remember to take that back and I've just bought a book from Amazon for the Kindle app on my iPad it was 99p so a bargain,it's a young adult book called The Vampires Witch and I think it's like the Twilight series,I fancied an easy read so thought I would give it a go,I also bought a book last month that was a monthly Kindle deal for 99p it was called The Toymaker and I had wanted to read it for ages ,it's a really good read and I thoroughly enjoyed it,I would definitely recommend it
Right I think that's all my news for now and I have work in the morning so must go to bedOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,1201 -
Hmmmm I could be headed for trouble,I had a day off a week ago because I had D&V and we aren't allowed to work for 48hours if we have been vomiting,I am still on formal sickness monitoring from February when I had a chest infection,so this has made me trigger again, my sickness record is quite bad because I have Fibromyalgia and I was very ill so had lots of time off until I got it under control,however now if I'm off for anything else I automatically trigger the sickness policy and have to go on monitoring again
So my matron spoke to me today and said she is seeking advice from HR about my situation because I have been off again, they want me to cut my hours and have been trying to get me to do do this for about the last four years,but I have made it clear to them that I can't afford to lose the money , my matron is now saying they are going to go down the route of me cutting my hours as I'm not managing my job,I'm so annoyed by this because I haven't been off sick because of the Fibromyalgia for months,it's just bad timing and bad luck that I have had other non related illness in that time,it's nothing to do with my ability to manage my job,I caught a cold from someone and ended up with a chest infection and I picked up a stomach bug ,it could happen to anyone and they wouldn't ask them to cut their hours, I've been thinking about this today and I think they think I'm lying and was actually off with a Fibromyalgia flare up but I'm telling them it's something else because I don't want to them to say I can't do my job,this is not the case at all but I can't prove it
If they make me cut my hours I will be even more broke than I am now and I have all this debt to pay off,my boss said that money isn't everything and I need to think of my health first,but I told him that it's not a case of just wanting the money for treats it's needing the money to keep a roof over my head and buy food and pay the bills,do they really think I would work these hours if I could do less given the emount of pain I am in most of the time,I would gladly cut my hours if I could afford it.......it's so frustratingOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,1201 -
Triggers do seem to play havoc with the innocent.
If you're in a union they may be able to advise, or could someone write a letter to confirm that you had D&V not Fibromyalgia?
If you did get a reduction in hours, could you go on Bank or work relief hours elsewhere?I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/220 -
Cherryfudge wrote: »Triggers do seem to play havoc with the innocent.
If you're in a union they may be able to advise, or could someone write a letter to confirm that you had D&V not Fibromyalgia?
If you did get a reduction in hours, could you go on Bank or work relief hours elsewhere?
I don't know when the meeting is yet but I'm going to write down my concerns and I'm going to tell them I feel like I'm being discriminated against because I have a chronic illness,it means I literally can't be off ill with anything else which is totally unrealistic,I'm also going to suggest that if they want me to cut my hours I can only do it if they let me work permanent sundays because then I would get unsocial hours and could afford to lose some hours,they have to work with me to come up with a solution and I'm offering them one,my boss won't let me do it though so I doubt they will say yes, I will just have to wait and seeOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,1201 -
I'm sure the RCN will have had other people in a similar situation so hopefully their expertise should come in useful.
Good idea to offer a solution even if it's not one they're likely to go for. Someone I know has gone down a grade by choice but their new contract will be substantially unsocial hours which will make up a lot of the deficit.I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/220 -
Cherryfudge wrote: »I'm sure the RCN will have had other people in a similar situation so hopefully their expertise should come in useful.
Good idea to offer a solution even if it's not one they're likely to go for. Someone I know has gone down a grade by choice but their new contract will be substantially unsocial hours which will make up a lot of the deficit.
Yes the RCN are usually quite good when it comes to things like this,I've done a lot of research today and my first also have a discrimination and equality division you can contact for advice,I also looked up the disability act and I should be covered under that ,it does state that employers have to make reasonable adjustments for you to carry on with your job and so far they have done this so I'm not sure how much more they can do,I can only ask and hope they agree
I looked at the pay rise we are supposed to be getting but it actually only amounts to around £50 a month for me so it's not enough for me to reduce my hours because if I do I will lose about £140 a monthOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,1201 -
Not updated for 9 days because of a combination of being busy and depressed,I'm swinging from one emotion to another at the moment,I'm managing to carry on with day to day activities basically because I have to,so I'm going to work but I'm struggling,we had a very distressed patient yesterday who just wants to end her life and I was with her for most of the day trying to stop her from hurting herself, she kept punching herself in the head really hard and it was making that sickening sound when someone punches someone,I felt physically sick and just had to do my best to try and stop her,she had calmed down when I left but it was pretty intense and very sad all day,in between that I got to watch most of the royal wedding which was light relief
I went home and was in bed by 9 pm because I was exhausted, I slept until 9am this morning,I'm not sleeping properly at the moment either so that's not helping ,I have made myself go out and do stuff in the garden today because it's a lovely warm sunny day and it feels good to be in the sun
I also haven't been riidng for weeks because I was just too tired and fed up,I really need to get back because it cheers me up,I'm thinking of changing where I go though because although the place I go to now is nice I don't get a chance to go out hacking anymore and that's my favourite thing to do,I get bored being in the school all the time,there is another place near me that I'm going to try but it's more expensive so I won't be able to go every week,I've been putting off phoning them because I don't want to go somewhere where I don't know anyone,but I'm going to make myself phone them and see what they are like
Right I'd best get back to the garden because I still have lots to doOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,1201
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