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  • FIRST POST
    • ziggy2407
    • By ziggy2407 13th Feb 17, 8:03 AM
    • 2,792Posts
    • 20,591Thanks
    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)
Page 1
    • ziggy2407
    • By ziggy2407 13th Feb 17, 8:13 AM
    • 2,792 Posts
    • 20,591 Thanks
    ziggy2407
    • #2
    • 13th Feb 17, 8:13 AM
    • #2
    • 13th Feb 17, 8:13 AM
    Good Morning All

    Hi to all of the regulars and a BIG welcome to all the newbies, this is a really FAB thread with so many lovely, caring, considerate and supportive people.

    Had a lovely weekend but boy am I shattered. Today's little list

    Packed lunch for DH & DS - Done
    Check Bank - Done
    Dr's @ 8.50 - Done, more tests tomorrow
    Ironing -
    Home pamper session -
    Continue purge on emails -
    Surveys -
    Enter a few comps -
    All meals from cupboards/fridge/freezer -
    Check: Lucky Phone, Ashleigh, Numberplatelotto, FPL -
    Read -

    Have a great day all!

    C x
    Last edited by ziggy2407; 13-02-2017 at 9:28 AM.
    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)
    • determined new ms
    • By determined new ms 13th Feb 17, 8:28 AM
    • 6,162 Posts
    • 34,503 Thanks
    determined new ms
    • #3
    • 13th Feb 17, 8:28 AM
    • #3
    • 13th Feb 17, 8:28 AM
    Morning! Thanks for starting the thread ziggy x

    Was supposed to be working today but madam has woken up with a bad cough so having to keep her off of the cm's today. If I'm honest I'm glad not to be working! Will have to do a few bits from home, but other than that snuggles, blankets and fluids are the order of the day

    Not sure what small things will be done, need to:

    * load of washing & hang up
    * Mega tidy/clean session as the house has fallen into disrepair
    * update spending diary
    * check banking & make a couple of transfers/payments
    * all meals from stores - check meal plan for what's what today
    * hurrah will finally list the fleabay items!
    * going out with some girlfriend's tonight for one of their birthday's
    * do 10 minute meditation

    That'll do! Happy days guys x
    DF as at 30/12/16
    Wombling '16 £264.46 Roadkill £28.25
    Wombling '17 Apr £325.89/YTD £1775.93/Roadkill £8.53
    CCC £85.94/£250 CC saved £1015 Veg grown £5.29
    NSDs Apr 5/15 YTD 23
    • angelpye
    • By angelpye 13th Feb 17, 10:20 AM
    • 995 Posts
    • 3,546 Thanks
    angelpye
    • #4
    • 13th Feb 17, 10:20 AM
    • #4
    • 13th Feb 17, 10:20 AM
    Morning all,

    Thank you Ziggy for starting us on our fresh new week.

    Determined to make this week productive and money saving!

    I am:

    *Burning paperwork no longer needed
    *Washing mountain for towels etc
    *Food from stores
    *Working out budget...my phone bill came through last night and it is high. My fault as I forgot I changed the package and used as though it was my old package

    Two steps forward, one step back is how I am feeling today...now have a Paula Abdul ear worm too!

    Happy Monday...lets do this!
    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
    • DawnW
    • By DawnW 13th Feb 17, 10:28 AM
    • 4,273 Posts
    • 32,423 Thanks
    DawnW
    • #5
    • 13th Feb 17, 10:28 AM
    • #5
    • 13th Feb 17, 10:28 AM
    Morning all
    Thanks for starting us off Ziggy Well, there is a chilly wind today, but not as cold as it has been, and there is a bit of sun
    Today I have / will:
    RM surveys prep for the coming week
    Load of washing (done, will peg outside shortly) almost completely dry
    Dog walks x 2 (1 done) both done
    Take a parcel to local shop for courier service pick up (done)
    Pack another parcel, for posting tomorrow Not done yet, 2 to do now
    Sort out some sales stuff Done
    List a couple of things on ebay (really slow atm) Done, both have watchers, so that is positive at least
    Take a couple of things to sales unit (ditto) Done
    Afew surveys for onepoll
    Fruit out of freezer and make a pie Done, made loads of pies
    Sandwiches for lunch (or pate on toast!) Sandwiches!
    Jacket potatoes, cold meat and salad for dinner (pie for pud ) Done
    Housework - lounge today, looks like a bomb site OH hoovered through while I went to the post office with RM surveys things, and to my sales unit
    Hope everyone has a productive day
    Last edited by DawnW; 13-02-2017 at 8:50 PM.

    • allydowd
    • By allydowd 13th Feb 17, 10:31 AM
    • 3,708 Posts
    • 22,956 Thanks
    allydowd
    • #6
    • 13th Feb 17, 10:31 AM
    • #6
    • 13th Feb 17, 10:31 AM
    News:

    Have you been overcharged at Tesco? (Link)

    Co-op Bank for sale (Link)

    Freebies:

    * Free drink at KFC no purchase necessary: (Link)


    * Voucher for free foundation sample: (Link)

    * Baby wipes and nappies sample: (Link)

    * Baby cream sample: (Link)

    * Perfume sample: (Link)

    * Thank-you card: (Link)

    * Milk drink: (Link)

    Competition:

    * Win Carex handwash? (Link)

    Offers:

    * £1 off Covent Garden Soup: (Link) Voucher can be spent anywhere but a carton is currently £1.50 in Asda.
    Last edited by allydowd; 13-02-2017 at 11:26 AM.
    Debt-free day: 8th May 2015
    The Joy Account: £3300
    Survey Rewards 2017: £28.50

    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • Bobarella
    • By Bobarella 13th Feb 17, 10:41 AM
    • 10,320 Posts
    • 66,157 Thanks
    Bobarella
    • #7
    • 13th Feb 17, 10:41 AM
    • #7
    • 13th Feb 17, 10:41 AM
    Morning

    Thanks for the start Ziggy hope DGD feels better soon Determined by the way is your car all ok now, after the little bump?

    Angelpye now I have Paula Abdul in my head too

    Well hello all. Another week on the front line of money saving. I shall be donning my flack jacket and helmet Private Benjamin style & watching out for financial grenades and tripwires

    Things so far

    1. I am on double school run duty today due to OHs schedule. Had done the run and back at home by 9.30. 4 buses taken, 2 out, 2 back, for a total of £3 thanks to the hopper fare. As I will only take two back on the leg I have DS with me that is only another £1.50 today, mind you that's the fare cap anyway.

    2. Coffee at home. Must avoid Coffee shop tripwires this week! So tempting though.

    3. I have almost £10 in Nectar and £3.50 in Mr T vouchers so will be aiming to deploy those this week to keep the pennies in my pocket.

    4. All banking checked. We are officially switching over tomorrow to FD. Having been with ours for 14 years it's quite a shock to the system. But hopefully all will be smooth running. Looking forward to the incentive hitting our account.

    5. Made a lovely home made tomato soup for lunch yesterday, so DD and I will have more today.

    6. I am the opposite to so many on here and actually need to build a freezer/storecupboard stash up as so many months we get to this week of the month and are running on fumes. My freezer literally contains stock, bags of ice cubes (I always get them left behind at the venue) & a few half open bags of veg.

    7. House is nice and clean and tidy so not much to do on that front today except a load tonight. I always use the basics washing powder for £1 and it always does way more than the 10 loads advertised.

    8. Might do a PAD. Can't decide. Should still be on for my DFD end of March anyway now. Half term next week so is it better to keep cash for that??

    9. Relist eBay items.

    10. Might make a cake as have time. Or scones.

    Have a good day all.

    Bob
    "You're not rich until you have something money can't buy."

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.96 2016-£62.28 2015- £84.20)
    RYSAW17 £1530.02 2016 £2,535.16 2015 £1027.20
    • angelpye
    • By angelpye 13th Feb 17, 10:48 AM
    • 995 Posts
    • 3,546 Thanks
    angelpye
    • #8
    • 13th Feb 17, 10:48 AM
    • #8
    • 13th Feb 17, 10:48 AM
    Bob, thats exciting! Debt free is just a whisper away!
    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
    • 1LuckyLady
    • By 1LuckyLady 13th Feb 17, 11:29 AM
    • 404 Posts
    • 4,192 Thanks
    1LuckyLady
    • #9
    • 13th Feb 17, 11:29 AM
    • #9
    • 13th Feb 17, 11:29 AM
    Good morning all,

    Thanks Ziggy for the starter this morning Hope the tests go well.
    Dnms, Hope your DGD is feeling better soon.
    Bob, The end of March will be here before we know it!!
    Ally, Thanks for the links, a cream of some description has been delivered this morning from one of your other posts
    Dawn, I hadn't thought about hanging my washing outside Load has just finished so I'll do that now!
    Angel, I'm another with that song in my head now

    Todays list
    * Kids to breakfast club for free Done
    * Gym - class done and filled water bottle there Done
    * Breakfast was ys hot cross buns - I've frozen what was left Done
    * Check luckyphone Done
    * Check fpl
    * Check numberplate lotto Done
    * Check banking/update spreadsheets Done
    * Clean kitchen using stardrops and micro fibre cloths
    * Wash a load on 30 degree wash Done
    * Hang washing on the line as per Dawn Done
    * Put away dry washing and only iron what needs it
    * Cook meat ready for tea so long as its defrosted Done
    * Make lunches for family for tomorrow
    * Start packing for our week away
    * Update freezer inventory & useup box list Done
    ** Prepped veggies from the fridge ready for meal tonight. Kids/sis/niece having cocktail sausages that I got ys for 2p/bag after xmas with veggies & sweet potato mash


    Will hopefully add more as I go but the washing machine has finished so I better get cracking!
    Last edited by 1LuckyLady; 13-02-2017 at 1:13 PM.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • La escocesa
    • By La escocesa 13th Feb 17, 12:17 PM
    • 2,780 Posts
    • 17,289 Thanks
    La escocesa
    Hi everyone

    Thanks for the kick off Ziggy

    Here’s how my day is panning out:
    Cheapo porridge brekkie – free milk in work
    Wash brekkie pot in work – no excuses later
    Charity bake sale in work – £1 donation to children’s hospice = guilt-free eating
    Keeping up with flylady this week (or trying to ) – pals coming round for dinner on Saturday so extra motivation
    1 x washing load and put on airer
    Sort out even a tiny bit of recycling
    Work is doing a clear out for charity – get company matching donation on each charity bag filled – that’ll be ace for me as still KMing komono

    Catch up tonight xx
    • ClootiesMum
    • By ClootiesMum 13th Feb 17, 12:53 PM
    • 1,471 Posts
    • 9,887 Thanks
    ClootiesMum
    Hi folks - thanks for the start Ziggy

    HK - sorry to hear about puss - be kind to yourself - it's hard
    Bob - So close.... bring on March

    Well today's list is another wee one (you all make me feel so weak & useless - but this will pass)
    • NSD (no intentions of leaving house so should be easy)
    • Put all recycling & bins out for tomorrow
    • Organize car parts to be returned tomorrow
    • Bring bags of clothes & stuff from garage to house for charity shop run tomorrow
    • Scan in DH's appraisal docs so he can update them on laptop rather than handwrite
    • Stock up logs in the house - brassic.com outside
    • Bit of work on an on-line Excel course I've found (trying to gauge how quickly I can go back to work)
    • Much cuddling of dogs seems to be required today (their requests, not mine - but 'll oblige )
    • And any other bits & pieces I come across

    Have a good day y'all

    • maria3104
    • By maria3104 13th Feb 17, 1:01 PM
    • 908 Posts
    • 9,497 Thanks
    maria3104
    Hi All

    Nearly finished first wave of lambing. Only 15 left in my maternity pen. Those born are coping with the cold and playing schools and chasing each other around their fields. Fingers crossed the weather does not get any worse.

    Am keeping to the money diet, almost but am really struggling with the real eating diet. Every day there is just that little extra .... Oh dear.

    Need to menu plan

    Need to quilt plan. I sorted my stash and discovered some material I bought by weight turns out to be a stunning bargain around £2 a yard. Spent the weekend finishing a massive star quilt for DD wedding, around 2 years off and planning baby quilts. I have a new nephew due shortly. No need to buy anything for the quilt, just need to plan plan plan.

    Get well soon Ziggy.
    Bob I can taste your success.
    April GC target £300
    • 1LuckyLady
    • By 1LuckyLady 13th Feb 17, 1:15 PM
    • 404 Posts
    • 4,192 Thanks
    1LuckyLady
    Ok so the Stilton cheese that DH really really wanted for Xmas is still sat in the fridge. I just opened the tuperware it is in and find the smell awful!! What can I make with it to use it up? Really want a cleared out fridge/freezer for the weekend
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • Bagpuss741
    • By Bagpuss741 13th Feb 17, 1:18 PM
    • 1,845 Posts
    • 8,594 Thanks
    Bagpuss741
    Today I have/will:

    1. Checked online banking
    2. Circuits class as part of physio on knee
    3. NSD
    4. Meals from stores
    5. Paid all bills
    6. FPL
    7. Surveys
    8. Consumer Pulse
    Post Office £0Capital One £0Tesco £1388.02As of 14/01/17
    One debt to go
    • Bagpuss741
    • By Bagpuss741 13th Feb 17, 1:22 PM
    • 1,845 Posts
    • 8,594 Thanks
    Bagpuss741
    Ok so the Stilton cheese that DH really really wanted for Xmas is still sat in the fridge. I just opened the tuperware it is in and find the smell awful!! What can I make with it to use it up? Really want a cleared out fridge/freezer for the weekend
    Originally posted by 1LuckyLady
    How about broccoli and stilton soup??

    http://www.bbc.co.uk/food/recipes/broccoliandstiltonso_76390

    http://www.waitrose.com/content/waitrose/en/home/recipes/recipe_directory/q/quick_broccoli_and_stilton_soup.html
    Post Office £0Capital One £0Tesco £1388.02As of 14/01/17
    One debt to go
    • Bobarella
    • By Bobarella 13th Feb 17, 1:35 PM
    • 10,320 Posts
    • 66,157 Thanks
    Bobarella
    Ok so the Stilton cheese that DH really really wanted for Xmas is still sat in the fridge. I just opened the tuperware it is in and find the smell awful!! What can I make with it to use it up? Really want a cleared out fridge/freezer for the weekend
    Originally posted by 1LuckyLady
    When you say awful, is it normal stinky blue cheesy? If it smells of amonia bin it. Could mean its gone out of temp at some point.
    "You're not rich until you have something money can't buy."

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.96 2016-£62.28 2015- £84.20)
    RYSAW17 £1530.02 2016 £2,535.16 2015 £1027.20
    • Bobarella
    • By Bobarella 13th Feb 17, 1:39 PM
    • 10,320 Posts
    • 66,157 Thanks
    Bobarella
    Hi folks - thanks for the start Ziggy

    HK - sorry to hear about puss - be kind to yourself - it's hard
    Bob - So close.... bring on March

    Well today's list is another wee one (you all make me feel so weak & useless - but this will pass)
    • NSD (no intentions of leaving house so should be easy)
    • Put all recycling & bins out for tomorrow
    • Organize car parts to be returned tomorrow
    • Bring bags of clothes & stuff from garage to house for charity shop run tomorrow
    • Scan in DH's appraisal docs so he can update them on laptop rather than handwrite
    • Stock up logs in the house - brassic.com outside
    • Bit of work on an on-line Excel course I've found (trying to gauge how quickly I can go back to work)
    • Much cuddling of dogs seems to be required today (their requests, not mine - but 'll oblige )
    • And any other bits & pieces I come across

    Have a good day y'all

    Originally posted by ClootiesMum
    You are doing great Clootiesmum
    "You're not rich until you have something money can't buy."

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.96 2016-£62.28 2015- £84.20)
    RYSAW17 £1530.02 2016 £2,535.16 2015 £1027.20
    • 1LuckyLady
    • By 1LuckyLady 13th Feb 17, 1:40 PM
    • 404 Posts
    • 4,192 Thanks
    1LuckyLady
    Thank you Bagpuss, I will give the waitrose one a try as I have all the ingredients apart from the butter and as I don't want to buy anything else I'll try it without!!!

    2pm update- with the amount of cheese I had and broccoli, I have enough to make 1/2 quantity of the recipe so its in the pan as I type! fingers crossed hubby likes it!
    Last edited by 1LuckyLady; 13-02-2017 at 1:58 PM.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • 1LuckyLady
    • By 1LuckyLady 13th Feb 17, 2:01 PM
    • 404 Posts
    • 4,192 Thanks
    1LuckyLady
    When you say awful, is it normal stinky blue cheesy? If it smells of amonia bin it. Could mean its gone out of temp at some point.
    Originally posted by Bobarella
    Thanks Bob, only just seen your post. I think its just the normal smell of stinky cheese if you know what I mean. I'm not into stinky cheese, I'll stick to my mature cheddar! I won't make the kids eat this one!
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • allthe7s
    • By allthe7s 13th Feb 17, 2:15 PM
    • 67 Posts
    • 269 Thanks
    allthe7s
    Today is a NSD as staying at home with the kids, its a nice day so washing is on the line for the 1st time in 2017 (washing on the line always make me happy) and later Im going to make a sw quiche for my lunches for this week.
    Next £615 £495 £436.23 Santander1 £297 £279 £261.95 Santander2 £84 £79 £75.11

    Savings Goal £163.67/£3000 by Dec 17
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