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  • FIRST POST
    • ziggy2407
    • By ziggy2407 13th Feb 17, 8:03 AM
    • 2,935Posts
    • 21,914Thanks
    ziggy2407
    What small DFW things will you do this week? w/c 13/02
    • #1
    • 13th Feb 17, 8:03 AM
    What small DFW things will you do this week? w/c 13/02 13th Feb 17 at 8:03 AM
    When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym.

    But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when in fact the small steps are helping us form good financial habits and helping us get closer everyday to staying in control and becoming debt free, or staying debt free.

    Examples could be hanging washing out instead of using the tumble dryer or leaving your purse/wallet at home to avoid the risk of spending.

    So be proud of those small steps, they really are important
    It is better to take many small steps in the right direction than to make a great leap forward only to stumble backward. (Old Chinese Proverb)

    Make £5 per day in Aug 2017: £358.12/£155 . Make £5 per day in Sept 2017: £406.12/£150
    Make £5 per day in October 2017: £12.65/£155
Page 7
    • Treadingonplaymobil
    • By Treadingonplaymobil 17th Feb 17, 2:39 PM
    • 1,060 Posts
    • 10,160 Thanks
    Treadingonplaymobil
    Ooh, I'm picking up so many ideas from reading everyone's lists! Need to control myself and not give myself too many things to do or I'll lose interest though.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: £55,011.96/1st May 2025
    • determined new ms
    • By determined new ms 17th Feb 17, 3:34 PM
    • 6,572 Posts
    • 37,898 Thanks
    determined new ms
    Enjoy your weekend away, Purps



    I'm thinking anchovy spaghetti for dinner tonight while I am in possession of a courgette. I am definitely planting some of those babies this year. I've never grown veg before on account of a debilitating caterpillar phobia but I had it treated by the Spe@kmans a couple of years ago and while I still don't love them they don't freak me out any more. Are courgette plants particularly prone to caterpillar attacks?
    Originally posted by FatVonD
    courgettes are pretty hardy FVD and they grow quickly so I don't think you'll have much problem. caterpillars didn't seem to bother with them for me, they were after lettuces, carrots and attacked a few things in the garden. If you are going to grow in pots look for bush variety seeds
    DF as at 30/12/16
    Wombling '16 £287.33 Roadkill £28.25
    Wombling YTD £2982.2/Roadkill £8.63
    SFDs Oct 13/15 CC saved £2372.50
    • Bobarella
    • By Bobarella 17th Feb 17, 4:18 PM
    • 10,454 Posts
    • 69,668 Thanks
    Bobarella
    Courgettes are amazing as well, you get so many from a crop. Home grown are great.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • Doodlebug5
    • By Doodlebug5 17th Feb 17, 4:27 PM
    • 83 Posts
    • 139 Thanks
    Doodlebug5
    I have just popped into Morrisons to drop off my music magpie box full of old dvds £10 coming my way.
    Dropped into the post office to post my voucher to zeek...£15 coming my way
    Spoke to NatWest on my over payment of my credit card and I'm in a credit balance so I've asked for that back £25

    What else is on my to do list?
    - check we are on the best deal with virgin
    - sort the house out this weekend for starting to prepare to move
    - clear our kitchen cupboard and eBay anything that we don't use


    I'm going to head over to the other boards on money making and see if I can make some more money somewhere.
    • DawnW
    • By DawnW 17th Feb 17, 4:37 PM
    • 4,614 Posts
    • 35,439 Thanks
    DawnW
    Afternoon all
    Nice to see some new people joining us
    FVD, I have never seen a caterpillar on a courgette plant, and we have awful problems with the things here (tbh I am not a fan either, especially as most of the little !!!!!!! eat my plants ) Don't be tempted to put them outside till the end of May though, as they are very tender and susceptible to frost. They grow fine in pots as long as you feed and water them enough, though they take a while to get going. One of the easiest things to grow

    Today's list:
    No heating downstairs till wood burner time, as it is sunny and pleasant today
    Used up last of nasty shampoo when I washed my hair this morning - shan't buy that brand again! Weirdly, I find the really cheap Sainsburys basic or Lidls shampoos suit my hair best
    Dog walk (OH doing #2)
    Remember not to eat any rubbish and stick to diet A pain, but my clothes are getting tight again
    Pack and post 3 ebay items
    List a few more things
    Planted shallots and broad beans in the garden
    Shopping, did both Lidls and Sainsburys, which is a pain, but means I save money AND can get everything I want!
    Minimal cooking today, just jacket potatoes and cut a salad - plenty of yesterday's quiche left for OH and I tonight, and DS is going out.
    Onepoll surveys
    Sold 2 more ebay items

    Hope everyone is having a good day
    Last edited by DawnW; 17-02-2017 at 6:59 PM.
    Food/ household/supermarket spends for November - £223.90 / £250
    NSDs for November 12/12


    • LuckyPenny
    • By LuckyPenny 17th Feb 17, 6:50 PM
    • 700 Posts
    • 5,347 Thanks
    LuckyPenny
    Hi all
    - £11.50 saved by purchasing vouchers through a work site for Morrisons and costa
    - Saved £2.96 in Boots as the moisturiser and cream I bought have 25% off. I got £1 worth of wombled loyalty points uploaded to my card, however she did say that you have to ask the cashier for a special code to be able to upload retrospective points! She did this as a one off. So might not have much luck with future wombled boots receipts.
    - 1p roadkill :-)
    - Co-op Salmon linguine meal YS £3.99 reduced to 99p
    - Ordered Clarks shoes from Charles Clinkard bagging 9% cashback - about £4 - Better rate of cash back than Clarks through topcashback.
    - checked out Aldi super 6, wrote a list and shopped at Home Bargains and Aldi.
    - FPL and a couple of Facebook comps
    - checked my driving license doesn't need renewing till 2010 but with a check.
    - iPoll annoying me at the mo keeps screening me out!
    LP x
    Last edited by LuckyPenny; 17-02-2017 at 8:49 PM.
    Womble #28 £3,254
    Pay off all debts by Xmas 2017 #40 £3965/£5865 Christmas 2017 Saving #11 £104/365
    Competition wins £11,840

    • Treadingonplaymobil
    • By Treadingonplaymobil 17th Feb 17, 6:57 PM
    • 1,060 Posts
    • 10,160 Thanks
    Treadingonplaymobil
    Used up last of nasty shampoo when I washed my hair this morning - shan't buy that brand again! Weirdly, I find the really cheap Sainsburys basic or Lidls shampoos suit my hair best
    Originally posted by DawnW
    I'm glad I'm not the only one who finds this! I get either greasy hair or a flaky scalp from everything except those super cheap tea tree/raspberry/coconut cheapy shampoos. Budget win, at least!

    I've made good progress on my own list
    - bake cake (to avoid giving into cafe demands from the children later). Chocolate cake with buttercream. Yum.
    - make wraps so our packed lunch is a bit more interesting. Surprisingly good! Miles nicer than bought ones.
    - scrape together enough cash from the change tin to pay for a bag of caster sugar as I forgot to buy it yesterday on my 'official' shop and I don't want to be tempted to buy more than just a bag of sugar when I nip to the shop. Darn, completely forgot about this, and used up all the change paying for car parking on a day out. Will have to steal a whopping 99p or so from next week's food budget.
    - open the windows to air the house for half an hour so I don't have to put the dehumidifier on later. Done!
    - update YNAB. Done!
    - Do at least an hour's work, and share on social media (this helps get new business in if I do it consistently). Have done the work, but didn't achieve anything social-media-worthy, annoyingly, so nothing shared. Will have to do better tomorrow.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: £55,011.96/1st May 2025
    • YORKSHIRELASS
    • By YORKSHIRELASS 17th Feb 17, 8:35 PM
    • 4,359 Posts
    • 35,394 Thanks
    YORKSHIRELASS
    Hi all

    I am here, been a spendy week but I knew it would be as we have family visiting. One of our local village pubs does a cheap and cheerful menu on a Friday in winter so we went there tonight for tea, it was so good, 4 adult meals plus a drink each for £33 and the portions were good.

    Tired and a bit fed up at the minute, just behind with everything and having a cold doesnt help. Will catch up a bit tomorrow.
    • Happy Kitties
    • By Happy Kitties 17th Feb 17, 8:51 PM
    • 353 Posts
    • 2,904 Thanks
    Happy Kitties
    Hi to the newbies and (hugs) to those not feeling great/coming down with colds.
    Feel like I haven't really accomplished anything today
    Mount ironing Everest still needs tackling
    Did get the dishwasher sorted, not enough to go on bec we ate out for tea-unplanned spend-really need to watch these, plus not good for waistline.
    Did sort out picking up cat litter for weekend and some fresh veg
    Recycling sorted
    Radiator shuffle done
    Banking checked
    Bought some birthday cards and picked up a lovely half price gift for Christmas that I'm tempted to keep for myself!!
    Taking my daughter to a visitor day at her chosen uni tomorrow. I will get expenses back for this. 4 hours of driving tomorrow
    Have a good weekend everyone
    2017 birthday savings so far thru shopping frugally = 228.72 284.31 306.81 481.15:money.
    April grocery challenge £171.21/ £200 May GC £248.47/£190 June GC £87.69/ £190
    • FatVonD
    • By FatVonD 17th Feb 17, 9:21 PM
    • 4,952 Posts
    • 19,642 Thanks
    FatVonD
    Thank you to all the lovely courgette growers, Dawn, I won't put them out until May as I won't have bought them until May as I'm hopeless with seeds My back garden is all paved so everything is in pots but I'm thinking of putting them in a wooden planter that fills the gap where the pallet decking didn't quite make the full width of what it was supposed to cover. That also happens to be the sunniest corner so fingers crossed!

    Re shampoo, I wouldn't recommend using it regularly but I like to wash my hair in washing up liquid for special occasions It's quite harsh but works like the expensive stuff you can buy to strip out all the 'product' build up. The brand leader of dandruff shampoos always gives me dandruff, my favourite shampoo is V0sene which reminds me of being a kid and luckily all the hip, young things at work turn their nose up at it in the sales so I grab it when very I get the chance!

    I've cleaned down all the kitchen work tops and diced some potatoes for lunch tomorrow. I got a pack of free Parma ham this afternoon and I want to use it quick as it was in a warm office for a good while so I'm going to fry the potatoes and the ham (hopefully killing off any bacteria) and then scramble some eggs into it for lunch.

    Two people were leaving work today and they did an official presentation of card/gift etc, I have instructed everyone that under no circumstances are they to do anything public for me (though a gift would be nice ) They know I'm not kidding as I never tell anyone at work my birthday to avoid the whole cake/singing thing

    Hope everyone is enjoying their evening
    Make £5 a day in November £36.28/£150 (October £288.52, September £374.30, August £223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • FatVonD
    • By FatVonD 17th Feb 17, 9:26 PM
    • 4,952 Posts
    • 19,642 Thanks
    FatVonD
    Hi treadingonplaymobile, I had a read of your diary the other night too, the title sucked me in but good to see you are making inroads already!
    Make £5 a day in November £36.28/£150 (October £288.52, September £374.30, August £223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • LuckyPenny
    • By LuckyPenny 17th Feb 17, 9:50 PM
    • 700 Posts
    • 5,347 Thanks
    LuckyPenny
    Good Morning All

    DNMS - Sounds like a great day, enjoy!!

    Welcome to TreadingonPlaymobil and allthe7s
    this is a lovely group and I hop you'll stick with us.

    We're out this afternoon for a meal with DH's sister who didn't make it last week so will only need a snack later. My little list

    Check Bank - Done
    Upload yesterdays receipts to COS - Done
    Clean/Tidy fridge and freezer -
    Meal plan for next week and write shopping list -
    Shopping with list -
    Continue purge on emails -
    Surveys -
    Enter a few comps -
    Check: Lucky Phone, Ashleigh, Numberplatelotto, FPL -
    Read -

    Have a great day all!

    C x
    Originally posted by ziggy2407
    Ziggy what's COS?
    Womble #28 £3,254
    Pay off all debts by Xmas 2017 #40 £3965/£5865 Christmas 2017 Saving #11 £104/365
    Competition wins £11,840

    • LuckyPenny
    • By LuckyPenny 17th Feb 17, 9:51 PM
    • 700 Posts
    • 5,347 Thanks
    LuckyPenny
    Hello Gang

    Small things before I run off for the last school run for a week!

    1. Continuing to build up a sensible self employment wages food stash. I'm aiming to have enough to cover 2 bad weeks ultimately. I am such a price geek that I spotted a fail on the per 100g price at Mr S on gravy. Essentially it showed that the smaller box was cheaper by 2p on 100g price. Which couldn't be right. Maybe I will point it out

    2. Now have £10 built up in nectar points which is the most I've ever had and not been tempted to spend

    3. Did a live chat with the building society I am hoping to move the kids cash savings to. But it's a bit annoying. The building society they are currently in is closing and moving too far away to make it appealing. Plus the rate is terrible now 1.8%. The account I've found is 4% It it's one of these that you can't put all the money in right away, you have to drip feed £100 a month, and then the account closes after the year is up. Has anyone else done these kinds of things before? I was more hoping to find a good paying account to transfer both funds to and just leave it be.

    4. CC statement arrived. 1 more month to go and we will have a nice clean £0 balance bill. Might frame it

    5. Have a receipt to add on for a Toys r us purchase a few weeks ago where we didn't have the gold card. Have emailed them this morning.

    6. OH is working from home so we are saving on travel today.

    7. Keep checking new FD account. I am finding that card transactions are slow to show up. Is that normal anyone else who has FD?

    8. Checked all my banking. Still waiting to hear if I have been approved for the 25 free business banking account I applied for a while back. They sent back the statements they'd asked for yesterday so fingers crossed. Will save me around £20 a month if so £240 per year of account!

    9. Stripped the beds. 4 loads to do. 2 done. All washed in basics £1 powder and drying free/no tumble

    10. Old company shareplan statement arrived and filed.

    Have a good Friday all.

    Bob
    Originally posted by Bobarella
    Sorry what does FD stand for?
    Womble #28 £3,254
    Pay off all debts by Xmas 2017 #40 £3965/£5865 Christmas 2017 Saving #11 £104/365
    Competition wins £11,840

    • Treadingonplaymobil
    • By Treadingonplaymobil 18th Feb 17, 6:49 AM
    • 1,060 Posts
    • 10,160 Thanks
    Treadingonplaymobil
    Morning!

    A new list for today, including the forgotten bits from yesterday...

    - Do a laundry and get it out on the line rather than clogging up the radiators and needing the dehumidifier to be on. NB: laundry needs to be brought in again before it gets damp overnight for this to count!
    - Make bread (I make my own sourdough). Should be able to get two big/four small loaves out of the amount of starter I have currently.
    - Bake banana loaf to use up manky loaves
    - Have a scan of the fridge for any other perishables that aren't going to last and try to make something to use them up
    - Go through next week's shop (already input into MySupermarket) and try to jiggle the menu plan to knock a tenner off it. We have lots of food in the house, so i'd like it to come in at £50 from Aldi/Lidl, it's currently almost £60.
    - eBay listings
    - social media for work - try to schedule a couple of posts for next week as well, so if I am busy at least something will go up.
    - Wear more clothes, rather than give into the urge to keep the heating on all day (I often turn it back on when I'm working - need to aim for more clothes before more heating!)
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: £55,011.96/1st May 2025
    • DawnW
    • By DawnW 18th Feb 17, 7:17 AM
    • 4,614 Posts
    • 35,439 Thanks
    DawnW
    Sorry what does FD stand for?
    Originally posted by LuckyPenny
    In case Bob doesn't see this, FD stands for First Direct bank. I have an account with them too
    Food/ household/supermarket spends for November - £223.90 / £250
    NSDs for November 12/12


    • Treadingonplaymobil
    • By Treadingonplaymobil 18th Feb 17, 8:27 AM
    • 1,060 Posts
    • 10,160 Thanks
    Treadingonplaymobil
    Have just been through the cupboards to check for perishables, and in the baking cupboard I found a load of mixed peel, crystallised ginger, THREE tins of black treacle, a couple of bags of hazelnuts and pecans and a jar of coconut flour. Am now off to google for things to bake and freeze that might use up any of these things! DH takes packed lunch every day, I am at home with child 3 and the other two children take snacks to school, so ready made snacks are always in hot demand.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 2nd Aug 17/DFD: £55,011.96/1st May 2025
    • La escocesa
    • By La escocesa 18th Feb 17, 8:47 AM
    • 2,926 Posts
    • 18,510 Thanks
    La escocesa
    Morning gang

    Hi to the new posters!

    We had a lovely night with our free theatre tickets. Spend about £45 between us in the end with snack beforehand as no time for dinner (£5), 4 drinks each (£32!! oooh the extravagance! ) and travel (£9). Glad we didn't have £25 tickets on top. We ended up with an extra drink because there were 2 intervals - bit odd I thought...

    We've got pals coming over tonight so it's operation tidy the house! OH is cooking something in the slow cooker and we'll get cheese and crackers for afters (who needs an oven?!)

    We're off to @ldi in a bit. Not much going on really - want to go to the skip but don't know if we'll have time/will be bothered.

    Catch up soon!
    • determined new ms
    • By determined new ms 18th Feb 17, 8:56 AM
    • 6,572 Posts
    • 37,898 Thanks
    determined new ms
    Morning yesterday when we got back from our meal I was shattered as I woke up at 2 and stayed awake until 4am and then was up with madam at 6.30. I went and had a nap at 6 and slept through until 6 this morning must have needed it!

    Today madam has a party and then we are meeting up with dd afterwards - although she hasn't confirmed which is unusual....

    So far have:

    * put a load of washing on
    * tidied up the kitchen
    * froze lo butter milk in ice tray
    * got salmon out of freezer for tea & ys whole chicken for tomorrow
    * wrote meal plan for week ahead & a tichy list (trying to run down stores, the never ending story!), relooked at the list and decided everything except milk, bread and eggs can be crossed off again

    Still to do:

    * hang up washing
    * housework
    * plant some seeds
    * pick up said milk and bread - buy extra milk and freeze as I have a 50p off of a £4 spend MOC from coop as I'm passing I will get the bread in Mr T so I can use the app to pay and get a bonus 50 points and will get wombled receipts points added
    * make hm pizza and dough balls. will double up and freeze some for later in the week
    * freeze some yogurt
    * update spending diary

    Might make a return to my masters prep when madam goes to sleep. Haven't done any all week due to being ill. Have lost a little motivation so need to get back on it!

    Also need to plan out priorities for the week

    Happy weekend guys x
    Last edited by determined new ms; 18-02-2017 at 6:35 PM.
    DF as at 30/12/16
    Wombling '16 £287.33 Roadkill £28.25
    Wombling YTD £2982.2/Roadkill £8.63
    SFDs Oct 13/15 CC saved £2372.50
    • angelpye
    • By angelpye 18th Feb 17, 10:23 AM
    • 988 Posts
    • 3,710 Thanks
    angelpye
    Morning all,

    Hope everyone who is a little under the weather or sleep deprived manages to rest a little!

    Yesterday the hospital appointment over ran quite a lot so didn't get much done but got practically the all clear so once consultant signs that off I should be fine for quite some time - may have to be monitored but its looking like it is definitely nothing sinister so all good!

    As a treat in celebration I bought myself a little snack of sushi in W@itrose and got the free coffee with my card - felt like a real treat too!

    I then picked up tickets and deposited cheque in my bank before rushing off on the school run.

    Today:
    *Pet related cleaning - overdue from yesterday
    *Washing mountain - sunny so may put outside as I love the smell of washing when it comes in
    *General tidy up
    *Figure out if there is a way to enter debt into the YNAB system that won't freak me out i.e. show me as always in the red! I am not motivated by negativity.
    *Deep clean of the house in prep for half term
    *Check with hairdressers if there is a stand by appointment available as get a discount but still go where I feel pampered

    Out tonight with some friends for a couple of beers - all budgeted for and will take cash only so I am not tempted to go dancing until 3am all the while slamming shots on my debit card...have a naughty streak in me sometimes that wants to party like its 1998!

    Have a great day all, I hope you are getting some of this glorious sunshine!
    Happiness is wanting what you have...
    Debt Jan 2017: £2589.22 DFD: Sept 2022 April 2022 but this Marching Minimalist can beat that!
    Use it or Loose it gym target: Feb'17 5/6 Mar 4/6
    EF £0/£4200
    • allydowd
    • By allydowd 18th Feb 17, 10:36 AM
    • 3,841 Posts
    • 24,035 Thanks
    allydowd
    Hi February Folks,

    Quick check in.

    Debt Free-Nillionaire Continuity Plan Year Two:

    * Taking packed lunch to work.

    * Despite acing my job interview I didn't get the promotion. Long story. Won't bore you. Move on.

    * Going to start a free mental health blog for myself. It's not money-saving, as such, but it may save my sanity.



    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    Debt-free day: 8th May 2015
    The Joy Account: £400
    Survey Rewards 2017: £100
    Swim for Sanity: 4450m
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
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