Based on your description, the occasional thick white tissue-like discharge is most likely normal hormonal cervical mucus or shed vaginal lining, especially since there is no pain, itching, foul smell, blood, or fever. This can sometimes appear as a soft lump and may occur around ovulation or before periods. Being sexually inactive also reduces the likelihood of infection.
However, your symptoms of urinary urgency, burning, and smelly yellow urine suggest a possible urinary tract infection (UTI), which is separate from vaginal discharge.
Next Steps
Do a urine routine & culture
Increase water intake
Maintain local hygiene; avoid internal washing or douching
Health Tips
If burning or urgency persists
If discharge becomes itchy, foul-smelling, bloody, or recurrent