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  • FIRST POST
    • ziggy2407
    • By ziggy2407 13th Feb 17, 8:03 AM
    • 2,790Posts
    • 20,473Thanks
    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 3
    • DawnW
    • By DawnW 14th Feb 17, 8:40 AM
    • 4,272 Posts
    • 32,403 Thanks
    DawnW
    Morning all
    No great plans for today - OH is out this morning so I am waiting in for a delivery. Need to go to the post office with some ebay items later though. Apart from that, I have / will:
    Dog walks x 2 (I done) Done
    Washed hair with 'use up' shampoo. Shan't buy that brand again!
    Wrap 2 ebay items and do paperwork for post office drop off for those and the one I have delayed posting at buyer's request Also sold another item just before I had planned to go to the post office, so wrapped it in double quick time and took that as well. Used spare sticky labels from RM surveys to address them
    Check for surveys A couple for onepoll, who seem the most productive atm
    Check banks Done the one without the fiddly oojamaflip to generate a code, must get this out and check the other one!
    Check BT account and see what they are up to Done, they seem to have done more or less what I asked...
    Fold up dry washing and put any that needs it in airing cupboard, rest away Done
    Freezer tetris when Campbells meat order arrives Done, all in excpet for a pack of smoked mackerel which DH wants left out for lunches, and sausages that we had tonight. All present and correct, and I am very pleased with what has arrived
    'Do something' with a chunk of camembert that needs using.Might do a quiche, I am quite into making pastry again atm Not done
    Speaking of which, think about freezing one of the large pies I made yesterday - the other was started for pudding last night, and DS has taken some of the small ones to work to impress his new boss Hmm, most of the small ones have gone now, and the large one is much smaller now, so I will leave the other one out I think... I am sure it will disappear ofits own accord within a few days
    Not sure what to make for dinner (meal planning fail ) something out of the Campbells box that won't fit in the freezer I expect Gorgeous pork, haggis and herb sausages, really nice - we had them with nutmeg mash, onion gravy and peas
    Start a shopping list, getting a bit low on some basics like porridge and teabags Picked up these bits in Sainsburys. Also bought a few packs of reduced bacon, reduced to about half price, which is good for round here Managed to get those in the freezer as well!

    Received a package from RM surveys which included 2 packs of stamps and a strong plastic bag for packaging, which I have already used

    Nothing very ambitious today Hope everyone has a good one
    Last edited by DawnW; 14-02-2017 at 7:21 PM.

    • PurpleFairy26
    • By PurpleFairy26 14th Feb 17, 8:41 AM
    • 1,573 Posts
    • 10,649 Thanks
    PurpleFairy26
    all. Thanks for starting us off yesterday Ziggy am working at home today

    I have/will:

    Post 5 fleabay sales, 2 more to wrap. Using some gifted/recycled wrappings
    Run if I have time later
    Dd1 to brownie day, she'll get lunch and lots of activities. DH has walked here there and I'll walk up later and get her
    Few soft blueberries in baked oats for breakfast
    I've already made tonight's tea
    DH gave me a year on year valentines card he's been sending me since 2013
    DH has lost his card for his new account that came for his switch and we need it to activate the online banking fully I think it's been thrown away. However, kitchen looks sparkling as he moved everything yesterday whilst looking for it
    Check banking, surveys, FPL and £co

    I'll check back later. Purps.
    • determined new ms
    • By determined new ms 14th Feb 17, 8:45 AM
    • 6,156 Posts
    • 34,445 Thanks
    determined new ms
    ha ha loving the "Purps", Purps!
    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
    • LuckyPenny
    • By LuckyPenny 14th Feb 17, 9:23 AM
    • 631 Posts
    • 4,920 Thanks
    LuckyPenny
    Morning all
    DD dropped her phone in a sink full of water last night (aaahhh) so my DH has been on operation recovery. It's been in the airing cupboard, in a plastic bag with rice and on the radiator! We're going to switch it on tonight - fingers crossed everyone.
    - post an eBay parcel
    - DH has a refund from HMRC so he's sorting that out in line
    - need to buy some new foundation I'm going to check the Boots app today and I've got a gift card to use up
    - FPL and Facebook comps
    - checked market research nothing worth doing
    That's all for me today, LP x
    Womble #28 £497.55
    Pay off all debts by Xmas 2017 #40 £2000/£5865 Christmas 2017 Saving #11 £28/365
    Competition wins £11,340

    • angelpye
    • By angelpye 14th Feb 17, 9:44 AM
    • 995 Posts
    • 3,546 Thanks
    angelpye
    Happy Valentines all,

    It's all bait of a shambles around here today so a big clean up in order - probably only take an hour if I get cracking!

    List:
    *Washing mountain - need to catch up on putting away too.
    *File paperwork
    *15 mins of putting things away
    *Quick vacuum
    *Bathroom needs a little attention
    *Survey experiment
    *Work, work, work
    *All meals from stores

    Hope you have a lovely day!
    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
    • zippygeorgeandben
    • By zippygeorgeandben 14th Feb 17, 9:59 AM
    • 479 Posts
    • 532 Thanks
    zippygeorgeandben
    I need to give my fridge a good old clean too...
    End Sep 2016 End March 2017 £8236.57 £6900.91(Tesco 4.8%) £6185.75 £4755.62 (Zopa 4.0%) £5344.50 £3394 (Sainsburys 0% until 06/19) Total debt £19.766.82 £15,050.53 Bronze Pay £1344.50 by Sep '17 SMASHED! Silver Pay £1844.50 by Sep '17 EASY! Gold Pay £2344.50 by Sep '17 Platinum Pay £2844.50 by Sep '17. Original DFD May 2019.
    • Happy Kitties
    • By Happy Kitties 14th Feb 17, 10:19 AM
    • 134 Posts
    • 1,173 Thanks
    Happy Kitties
    Well after a horrible and mopey weekend I still feel sad but moving on with real life.
    My mum is in denial about her cat, but we're all on standby when the time comes. The good thing is it's like party central with her cat, he doesn't know any different, is adapting and life is generally a party with lots of fuss and chew sticks.
    * managed to sort paperwork out without messing anything up
    *have checked my banking.started to get abit spendy over the weekend so have reigned myself in.
    *just been trying to sort out whether daughter is going in for her op today........turns out she's not, unfortunately our local hospital is not the best when it comes to communication
    * got a few bits sorted yesterday so except for ironing Everest, I do feel on top of things again.

    FVD very jealous of ur YS bargains and my niece has just texted me to say about her haul of YS goodies last night. Did find ur stinky cheese story funny

    Ziggy hope everything goes okay with the tests

    Right off to do some paperwork for a meeting tonight.....a meeting with cake.....so I will def be there!
    Have a great day everyone x
    2017 birthday savings so far thru shopping frugally = 228.72 284.31 306.81 326.81:money.
    April grocery challenge £126.80/ £200
    • 1LuckyLady
    • By 1LuckyLady 14th Feb 17, 1:07 PM
    • 400 Posts
    • 4,154 Thanks
    1LuckyLady
    Afternoon all,
    Today's list
    * Free breakfast at school for the kids
    * Gym done & filled water bottle there twice
    * Hubby just text saying the soup is lovely - he can finish it off with his lunch tomorrow too then!
    * More berries & apples out of the freezer to cook, will serve with 2 ys yogurts between the 3 of them
    * Kids having the left over sausages with leftover veg & sweet potato mash for their tea
    * The left over chicken is being diced and put with mushroom soup, peas, sweetcorn, onion & peppers out of the freezer. Will do with jacket spuds. This will leave enough for me, dh & ds2 tomorrow night too whilst ds1 is at a friends
    * Checked banking/updated spreadsheet
    * Checked luckyphone/numberplate
    * Check fpl
    * Caught up on "unforgotten" on catch up whilst ironing only what needed it
    * Wash a load on 30 degree quick wash
    * Its very cold here again today so will need to do the radiator shuffle for the washing
    * No heating on until the kids come home, its cold so I've put my bodywarmer on, my get my scarf too!

    Better get cracking!


    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • foxgloves
    • By foxgloves 14th Feb 17, 1:15 PM
    • 3,480 Posts
    • 16,346 Thanks
    foxgloves
    Hi Tuesday people,
    Reasonable morning on the penny saving front. We no longer 'do' gifts for Valentine's Day, just cards & Mrs Tightwad has managed to recycle one of the envelopes! Other stuff:
    *Not going out for Valentine's meal. Too spendy atm & mr f is on quite a late shift. Decided I'd cook try a new slow cooker recipe & make plenty to ensure l/os for another meal.
    *Cheap dessert......bought 1 pack of meringue nests (on offer) which I will serve with warmed vodka-soaked fruit which I froze when I strained my blackberry & apple vodka, & Skyr yoghurt for me (why is that stuff so lovely?) & leftover cream for mr f.
    *Dealt with last batch of our homegrown stored apples. Added 1lb of them to a frozen bag of blackberries & cooked up a crumble base, turned another 1lb into apple sauce for freezing, used 3 in a batch of 2 dozen mini-muffins (which also used up some Christmas candied peel) & ate the very last one sliced on top of my lunchtime hummous & crackers.
    *Made tomorrow's packed lunch....more use-it-up as he"s having a cheese & chipotle veg pasty I baked last month with l/o pastry.
    *Washer loaded ready for a cheap overnight wash.
    *Two baths from one lot of hot water 1st thing.
    *Sold an item on ebay.
    *Sold a small hand knitted item.
    *Tried on a denim tunic which was too tight to fit my boobs in before Christmas. It now fits so sort of feels like I've bought something new. Weigh day today & another 2lbs of regained weight off......despite the fact that I cba to do any exercise in the past week.
    Mr f's just texted to say he's calling in for a quick coffee on the way to his next work venue.....reckon he sensed those warm mini muffins (80 calories only) coming out of the oven.
    Cheers all,
    F x
    Last edited by foxgloves; 14-02-2017 at 2:58 PM.
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = £764-63
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £135
    • FatVonD
    • By FatVonD 14th Feb 17, 2:02 PM
    • 4,276 Posts
    • 15,369 Thanks
    FatVonD
    DNMS, I know that 'poor' feeling (and not just in monetary terms.) I have recently signed up to FB (can't have a business page without a personal one) and spent last night reading the wall of an old colleague who is living the ultimate hippy lifestyle in the West Country (and she has a barn with an owl box and a husband who made it himself!) and I am more than a teensy bit envious! It makes it more marked when you don't see people often as you haven't seen their struggles and sacrifices along the way.

    HappyKitties, give 'cake', my regards

    Nothing much doing today, I'm off sick again and have not long woken up.

    I have toasted 2 slices of bread from the last loaf to use it up as the new one has been started. My life is one long round of always being the one to use the last bit of shampoo, bread and tomato ketchup that nobody else wants!

    I've been pondering on my procrastination and thought about making a meme that says 'Procrastination rules... but not until tomorrow' but, quite fittingly I can't be bothered

    I should ring my pension provider to get them to send me the forms I need but that means I need to find their last letter.

    I still need to finish the illustration for the FB business page. DS and DSGF haven't been using the oil fired heater I bought for their room so I have moved it down next to the computer.

    In my head I have visions of me coming home from my new part time job and sitting at the computer with a cup of tea and radio 4 on while I bash out some order of service cards for some extra cash. Except in my head I've already clad the back wall with pallet wood and put in a fitted length of desk and perfectly coordinated files like the home offices on Pinter@st (this is all under the stairs in the sitting room.) The reality is that I have the ill fitting desk from the old house, a mountain of second hand toys stacked up next to it and the old owners shelves though my files are rather beautiful if I say so myself I really need to get off of pint@rest

    The teens are off out for a Valentines meal tonight and have just made toasties for lunch so that's them sorted food wise for the day.

    Nothing much else to report, bit of a glum one from me today after yesterday's YS high!
    Last edited by FatVonD; 14-02-2017 at 2:09 PM.
    Spend on clothes in 2017 £37.50/£33 (Oops!)
    Make £10 a day in April £236.24/£300 (March £106.74, Feb £40.99, Jan £98.54)
    • ziggy2407
    • By ziggy2407 14th Feb 17, 2:38 PM
    • 2,790 Posts
    • 20,473 Thanks
    ziggy2407
    Good Afternoon All

    Today's little list

    Packed lunch for DH & DS - Done
    Check Bank - Done
    Dr's for bloodtests - Done
    Hospital for ECG - Done
    Stew in SC - Done
    Washing and drying load of towels - Done
    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
    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)
    • allydowd
    • By allydowd 14th Feb 17, 3:08 PM
    • 3,707 Posts
    • 22,942 Thanks
    allydowd
    Hi February Folks,

    Feeling a bit "glum" but have had a productive day:

    Debt Free-Nillionaire Continuity Plan Year Two:

    * Completed the preparation for tomorrow's very long interview. Had to go to the library as I don't have Office on my PC and I needed it. I will not buy Microsoft products. OMDB.

    * Drove DW to big out of town shopping centre. I had a free gift card from my credit card company. Came home with free jeans, a top for tomorrow, 8 sets of underwear and 5 chocolate bars. And Thornton's were giving away free single chocolates with every purchase so we got that too. And there was a free packet of Love Hearts at the Customer Services desk too.

    * Managed to visit Ikea and only spend the £1.25 on a new bath mat as planned.


    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    Last edited by allydowd; 14-02-2017 at 3:45 PM.
    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
    • foxgloves
    • By foxgloves 14th Feb 17, 3:14 PM
    • 3,480 Posts
    • 16,346 Thanks
    foxgloves
    Well, he did pop in for coffee....he made a whole cafetiere so I got one too......& he 'tested' a freshly baked muffin, then hoovered an old one, which to be fair, did need eating up. Have subsequently done a few surveys & re-listed a couple of ebay items. Defo time for some knitting (not as idle as it sounds, as it's items to sell) & will catch up on a couple of TV progs at the same time. Slow cooker is smelling fab.....hope it's nice......a burrito filling which takes 10 hours to cook before it's pulled & put back in the sauce to serve. Going to do lots of little dishes of things to have with them......olives, home made chunky coleslaw, sliced avocado, salad, my pickled courgettes, etc. As I said the other day, the butcher only charged me £6 for the kilo of beef, so defo cheaper than booking a table at a restaurant to celebrate our lurve.........I did type out a romantic poem & popped it in mr f's lunch box today, which he really liked, & I'm planning on getting a load of our old photo albums out tonight to look through.........I think I should find it motivating to see the pics of me pre-weight loss, then with 6 stones off......then with 2 & a bit put back on again, etc, etc, as it's coming off again now - am already 12 lbs lighter than in December - & I'll be able to see how much more flexible I was. It's not really the being bigger & heavier that's getting to me (tho clothes that don't fit are annoying & wasteful)..... it's more that losing such a lot of weight really increased my general flexibility and even with just less than a third of that regained, I can really feel the difference. So old photo albums it is......a free activity, quite romantic seeing the stuff we've done & places we've been and hopefully lots of motivation to keep working on the podge!
    Right, out with the knitting needles,
    Cheers all,
    F xx
    Last edited by foxgloves; 14-02-2017 at 3:18 PM.
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = £764-63
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £135
    • allydowd
    • By allydowd 14th Feb 17, 3:19 PM
    • 3,707 Posts
    • 22,942 Thanks
    allydowd
    Ooh, thanks, Ally, I will look into that, I have lost a couple of fillings and today bought some temporary stuff to patch them up until I can afford it.
    Originally posted by FatVonD
    You can get info on applying here. (Link)
    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
    • PurpleFairy26
    • By PurpleFairy26 14th Feb 17, 4:26 PM
    • 1,573 Posts
    • 10,649 Thanks
    PurpleFairy26

    I have toasted 2 slices of bread from the last loaf to use it up as the new one has been started. My life is one long round of always being the one to use the last bit of shampoo, bread and tomato ketchup that nobody else wants!

    I've been pondering on my procrastination and thought about making a meme that says 'Procrastination rules... but not until tomorrow' but, quite fittingly I can't be bothered
    Originally posted by FatVonD
    This is me too, no-one else seems to use the end of the loo roll, I keep telling them that its the same as the rest of the roll I tend to eat crusts or bread that has previously been frozen for toast as again no-one seems to want the last slice or two. Every little helps, that all I keep thinking.

    Love the procrastination phrase
    Last edited by PurpleFairy26; 14-02-2017 at 6:48 PM.
    • angelpye
    • By angelpye 14th Feb 17, 5:31 PM
    • 995 Posts
    • 3,546 Thanks
    angelpye
    Hi all,

    I have had a productive day although not as productive in all ways it should be

    Pondering whether or not to look at a claim with Equif@x as I have used them over the years - forgetting about it quite a lot and so DD just rolling and not being able to face cancelling due to low mood. I spoke with them today and the man asked if I was wanting to make a claim as I was asking about how much I had used it etc. Looked up and there is something about being mis sold due to not being able to opt of insurance and I had did have it in that period. From the looks of it 3 months until they changed the product. So maybe £20 in a claim. Not sure what to do. I am not the complaining type!

    Must get on with moving the washing mountain into different places! Will pop back later.
    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 14th Feb 17, 5:42 PM
    • 400 Posts
    • 4,154 Thanks
    1LuckyLady
    [FONT="Comic Sans MS"]FatVonD/PF, yep same here with the last bits of things! With the bread now though I often make the kids easy peasy pizza (aka bread, topped with tomato puree & grated cheese - grilled They have no problem eating it that way!

    Foxgloves, your evening sounds lovely

    Ally Good luck for your interview tomorrow!

    Ziggy, Hope the tests went well.

    A couple of other small things to add for today
    ** Kids having water with their meal this week rather then squash or milk - as I'm trying not to buy anything else before we go away. I have milk for them to have in the mornings and squash for their lunches but making them have water with tea, they have it no problem if we go for a meal out anywhere as they know I won't get drinks out as they're expensive but they've whinged both nights about it with their tea! ah well, best get used to it I said!
    ** Heating still not gone on as kids are under blankets playing with the xbox now
    ** Finished off the last of the toothpaste none of us liked (again I've used it to use it up whilst they've all used the old normal brand)
    ** Found 5p roadkill
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • 1LuckyLady
    • By 1LuckyLady 14th Feb 17, 5:49 PM
    • 400 Posts
    • 4,154 Thanks
    1LuckyLady
    Angel, I'm not the complaining type in person but its easier from behind a computer screen, If I were you I'd raise a claim, you've got nothing to lose.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • FatVonD
    • By FatVonD 14th Feb 17, 8:03 PM
    • 4,276 Posts
    • 15,369 Thanks
    FatVonD
    I finally finished the illustration on for the FB header on the business page, then did some faffing as, though I'd got the correct measurements for viewing it on a computer it was cropping off something vital when viewed on the app. I didn't procrastinate and changed it right away so it's up there and good to go. I want to populate the page with a few posts (and hopefully the first date and venue) before I share it anywhere but at least I got something done.

    I didn't put the heating on and sat with the OF heater next to me with my cup of tea and the local radio station on so part way to my dream.

    Good luck with the interview tomorrow, Ally, I'm sure you will rock it!
    Spend on clothes in 2017 £37.50/£33 (Oops!)
    Make £10 a day in April £236.24/£300 (March £106.74, Feb £40.99, Jan £98.54)
    • YORKSHIRELASS
    • By YORKSHIRELASS 14th Feb 17, 8:15 PM
    • 4,171 Posts
    • 33,339 Thanks
    YORKSHIRELASS
    Best of luck with the interview tomorrow Ally and well done on the shopping!

    FVD I resisted FB for a long time but now dip in and out. The sole purpose of social media for some people is to brag about how amazing their lives are and I sometimes find that all a bit depressing. Now I just remind myself that things are rarely as they seem!

    Had to take Dad to a hospital appointment. He didnt want to eat anything so I ended up grabbing a £3.50 meal deal because by 1.30pm I was so hungry and thirsty! Thankfully I had made a pork and cider casserole for tea so that just needed heating up.

    DS1 has opened a bottle of Christmas left-over wine so we are having a glass each. Think this will just send me to sleep early!

    Oh and a confession - I bought an ebay jacket and dress for £15, both really nice brands and I need to clear out some old work stuff so it sort of feels justified.
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