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Sat/Sun 23rd/24th Feb: What small DFW-style things will you be doing today?
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# 21
determined new ms
Old 23-02-2013, 6:15 PM
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Quote:
Originally Posted by Bobarella View Post
If you find a bit of paper where he is practising your new joint double barrelled surname, get out of there fast!

Awww hes a bit keen, but better that than Mr non commital???

ha ha ha! Bobarella funnnnnnneeeeeeeeeeeeeeee!

either or is a killer though isn't it? Just the right amount of "into you" or it kills it dead in the water.

Hope he's just knocked out by you stacey and he has you laughing like a drain all night
VSP- 56.48
Save 12K in 2014 1148.65/7000

Debt to Bank of oh Mum: 3350/5000[/CENTER]

Last edited by determined new ms; 23-02-2013 at 7:32 PM.
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# 22
stacey2193
Old 23-02-2013, 11:40 PM
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Join Date: Jan 2013
Location: Lovely lakes
Posts: 94
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he is putting me off, he is now talking about taking me to a wedding as his plus one in may, but even worse a mutual colleagues wedding which will be full of people we both know from work. I had to tell him straight at which point he said he found my directness refreshing !

To be continued !
"The greatest wealth is health"
Bank of Mum and Dad - 20,000 - 3 years fixed at 3.25% and 2 years variable rate, estimated 22,21 due to end November 2017
Car finance - 10,250.92 over 60 months 9.7% APR, Interest 2612.08, Total 13,906.08 November 2017
HP 1999.47 - 36 months at 0% -March 2016
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# 23
Candy0107
Old 24-02-2013, 6:21 AM
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Join Date: Mar 2007
Location: North Hampshire
Posts: 1,482
Smile

Awww hugs Stacey, someone at work had the same things and she ended it after about 3 months

Morning people,

Up stupidly early for a Sunday morning as off to London as hubby is going to see the Swansea / Bradford final and there is engineering works on the railway which will add 30mins on to the journey.

So today I will/have:
  • Breakfast from stores
  • Bought railfare using national railcard bought yesterday
  • Bought my ticket from workshire to London - saving about 6
  • Will stick to my budget of about 30 for the day - payday on Thursday so would like to put some more into savings account
  • Will buy a cheap lunch
  • Will go to a museum to keep myself entertained
  • Will not walk around London with my wifi on as it eats away at my battery and I don't want to get lost In London - hubby will be at the football for a couple of hours

Think that's my lot for today

Take care all
Candy xxx
Debts at the start of my journey - about 23,000 lightbulb moment 01.03.2007 (1st payment to CCCS)...... Debt Free Date 25.06.2013 Coke Bottle Savings (NYC weekend away with S.I.L) 61.78 as at 01.03.2104
2 Sealed pot challenge 2013 target 600

Last edited by Candy0107; 24-02-2013 at 6:29 AM.
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# 24
Bobarella
Old 24-02-2013, 7:20 AM
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Join Date: Nov 2005
Location: London
Posts: 341
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Morning All

So, today is the last day before payday for us. I am off to work, a long day today for me. Last night I shopped my house, and realised I wont need any meat for this coming week, have plenty in. I am going to challenge myself to spend less than 30 on food in the coming week. To include bread, milk, veg etc. I suspect I can do less than that but dont want to get carried away.

Dont think there is anything else I will be doing today, just getting through till bedtime!

Good luck all.

Bobarella
Time since last financial related accident = 2 weeks

Credit Card 1 3,328.11 Credit Card 2 - 919.38 Credit Total 4,247.49 Original DEBT - 8,868 52% repaid. All debt 0%. Emergency fund - 2.17
Nectar Points/Ad Points =28 13.03.14
Tesco Rewards = 16.00 03/02/14
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# 25
determined new ms
Old 24-02-2013, 7:44 AM
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Morning early birds sorry to hear you have to work Bobarella. Hope in terms of workload today you have enough to do that work speeds along at the lovely working efficiently pace (dragging or so much you're stressed is no good!). Candy enjoy your day in the big smoke!

Me I stupidly woke up at 6.30 tried to pretend I was still asleep but alas it wasn't kidding anyone.

Things for the day:

* apply to change my account for the 123 one (need to add oh to the account too)
* more painting - yesterday we did a whole day and we really came on heaps and bounds. I keep saying it'll soon be done but all that needs to happen now is, painting the woodwork - which we will be doing today. Tiling & sealing which will be done on Thursday. Installing the new wood burner effect fire and finding blinds
* all meals from stores
* possibly go to the gym with a free pass - snowing hard so looks very unlikely!
* maybe have a walk this afternoon and stop in a local for a pint. Depends on how cold it is! ditto!
* hang up some washing & do another load
* list a couple of bits on ebay
* post a TV on freecycle
* iron clothes for work tomorrow
* do some sewing of quilt nearly finished
* have done a meal plan for the week & a shopping list. Will see how long I can go before going shopping - although have no veg....
* NSD
* used yellow stickered bernaise sauce with dinner

Ok that's my lot. Happy Sunday x
VSP- 56.48
Save 12K in 2014 1148.65/7000

Debt to Bank of oh Mum: 3350/5000[/CENTER]

Last edited by determined new ms; 24-02-2013 at 7:24 PM.
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# 26
katy_ann
Old 24-02-2013, 9:18 AM
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Join Date: Oct 2011
Location: Dorset
Posts: 614
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Morning guys Sorry Ive been a bit AWOL the last few days, Ive had some amazing news, Ive managed to come off of my DMP as I recieved an annual bonus from work that has allowed me to clear a big chunk of my debt. I can now make minimum payments and Im going to start PADING to Im so happy Anyways list for today;
  • OT at work 11-4
  • NSD day (out of my weekly money)
  • Load of washing and hung up to dry
  • Car share to work
  • B/L/D from stores
  • Need to get some bread and cheese for sandwhiches for the week at work
  • Make money, not spend it!
Have a good day all! x
*~Katy~*
Swagbucks | Nectar Adpoints | Nectar Canvass
Self Managed DMP since February 2013
Total debt as of 01/04/2014 - 3958.92
DFD October 2016
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# 27
MinnieMousesMummy
Old 24-02-2013, 9:24 AM
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Posts: 759
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Good morning, I eventually decided to venture out of bed after lying awake since 6:30am. Its a rather dull day here today, although at least it is still dry (at the moment). Having a busy day in the house, as waiting for Mr A delivery (booked an 8 slot as it was cheaper)

My list for today:
  • All meals from stores - roast chicken for dinner
  • Check clothes that are hanging up to dry and add to the iron pile
  • Surveys (remember to check one poll)
  • Check postcode lottery
  • Schedule and sort out work for this week
  • Do some of the ironing pile
  • Catch up with emails
  • Put ironed clothes away
  • Help ds with his homework
  • Do some course work
  • Get kids bathed and into bed at a reasonable time
  • Wait in for Mr A delivery
  • Submit S&S information
  • Sort list for tomorrow
  • Sort clothes and bags for tomorrow

Last edited by MinnieMousesMummy; 24-02-2013 at 8:21 PM.
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# 28
determined new ms
Old 24-02-2013, 9:46 AM
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congrats katy_ann amazing news. so pleased for you!
VSP- 56.48
Save 12K in 2014 1148.65/7000

Debt to Bank of oh Mum: 3350/5000[/CENTER]
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# 29
mary hinge
Old 24-02-2013, 11:01 AM
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Join Date: Dec 2011
Location: House of Hinge
Posts: 381
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Morning!

Late start in the Hinge household after a very much disturbed night, DS1 decided sleep is for whimps!

Today:

All meals from stores, gammon egg and chips for tea!

Relook at SOA for dmp review, 1 year in and the figures still look ! 1848 paid off many many more 's to go!

NSD as too cold to go out and I'm much too grumpy!

Meal planning and shopping list to do for next week, must stick to the budget, must stick to the budget, must stick to the budget!

claimed 10 amazon voucher from Nielsen for my phone app, will go in the pot for birthdays and xmas! will also tackle the mountain of surveys waiting in my inbox.

Fight Mr H over the heating dial and put on plenty of layers.

Have a good day all!

Mrs H x
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# 30
Chrisblue1962
Old 24-02-2013, 12:09 PM
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Location: Merseyside
Posts: 978
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Yesterday and today I have been re-jigging my monthly budget spreadsheet.

I always find it difficult to stop budget "leaks" - small purchases , usually just a couple of pounds here and there on things like postage , tin of dog food , milk , etc.

So , i order to stop this , I've started keeping track of exactly what I spend cash withdrawls on so at the end of the month I'll consider whether I need to have another budget item such as "Sundry Groceries - 20.00".

I've also decided on Monthly Piggybanking for Car Maintenance , small Emergency Fund , Medicines & Dentist , Christmas Fund and... a Holiday! .
DFW'er - Lightbulb moment : 31st July 2009 - 18,496
March 2014
- 16,418 - 11.23% paid off.
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emolishing my House of Debt.. one brick at a time!! -
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# 31
Pernicious
Old 24-02-2013, 2:34 PM
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Posts: 1,768
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Hi everyone,

Today I have/will:-
  • B/L from stores
  • Free dinner at the parentals
  • Log calories using free app
  • Checked postcode lottery
  • Charged phone via pc
  • Heating off as long as possible & on low when needed
  • Check online banking
  • Check for new mystery shopping opportunities
  • Enter some comps
  • Bit of decluttering & flylady so we stay on top of it
  • Clip the bun's claws ourselves rather than going to the vet for it
  • Check DH's fleabay, some items ending today, will relist anything that doesn't sell as well as some on my account that I didn't end up relisting last week
  • Bake some cookies
  • Washing on eco setting using less than the recommended dose of washing liquid
  • Hang up to dry
Have a great, MSE day everyone x
Debt at Jul 12 OD: 1307.65 CC V: 2145.17 CC B: 5759.48 CC H: 3553.27 M&D: 97.00 Total: 12,862.57
Current Debt: CC T: 1200.00 Total: 1200.00
90.67% paid off, 9.33% to go...


Last edited by Pernicious; 24-02-2013 at 10:46 PM.
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# 32
foxgloves
Old 24-02-2013, 6:23 PM
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Posts: 2,049
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Evening all.....& a freezing cold one it is, too, here in the Midlands.
This weekend has been pretty good on the whole, apart from the extra heating I've been putting on as it's sooooo cold.
*Shopped yesterday (2 off new supermarket offer)
*Free coffee at a local coffee shop (loyalty card)
*Snowdrop walk - free. We did buy coffees & cashier gave our loyalty card an extra stamp for venturing out in the cold! Snuck out 2 llittle home-baked cakes to have with it, brought from home. Took packed lunch too. (Our coldest picnic EVER!)
*Did a competition & a survey.
*Bought gorgeous top in 'Monsoon' with my giftcard, so therefore counts as free top. Picked up details of their discount scheme where you take in an old Monsoon garment & get a 10 discount off a new one.
*Found pretty summer top in charity shop - M&S 'Per una' - only 3.50. A size smaller than me, but bought it as a goal garment as I plan to continue with the weight loss & I can get it on, it's just a little bit tight over the muffin top!
Think that's everything for me - We've had pretty much a relaxed peaceful weekend.
Cheers,
foxgloves x
Debt-free since May 2011 & determined to stay that way.
Foxgloves' mantra for avoiding debt: "If it has to go on a card, an overdraft or a loan, that's not my money, that's sombody else's, so I obviously can't afford it!"

New bathroom fund = 2893/4872
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# 33
allydowd
Old 24-02-2013, 7:03 PM
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Location: Scotland
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Old car has just been towed off to the great scrapyard in the sky. Got 80 for him. Better than nothing.
Credit Card ...........................................2,380
Original debt.........................................12,000

"
Everything works out well in the end; if all is not well, it's not the end."
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# 34
ziggy2407
Old 24-02-2013, 7:45 PM
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Posts: 1,404
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Good Evening my Lovelies

Haven't left the house so another feeble list for today

Check Banks - Done
Check swapits - Done
Check www.freepostcodelottery.com - Done
Sort craft room -
Up to date on emails - Done

Surveys - Done
General Tidy Round - Done
Meals from stores - Done
Read or Knit - 75% cushion complete
Enter a few comps - Done a few

Love to you all

C xx
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)

Stash Busting Challenge - 16/52
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# 35
josiebabie
Old 24-02-2013, 7:54 PM
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Location: Wiltshire
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Evening all

Not much for me today as I spent all day (8am til 5pm) with a friend with family troubles. I still acheived this though:

- Checked bank
- Managed to keep out of spending trouble as friend decided on a whim she wanted to go to local safari, when we got there she realised it would be 120 for all of us (2 adults, 3 kids, 1 free) so we turned around!
- Fish n chips for lunch and cake. Spent the last 9 I had for this months budget on our share, but get paid on Tues
- Baked cakes for lunches
- Made up the weeks porridge pots
- DIDN'T IRON ANYTHING Need to work out how to make two shirts last the week, mix with smart tops/dresses
- 1x HC
- Bathed DD and tricked her into bed by 6.45
- Checked 0% BT has been done 24.9% card empty 0% card full
- Treat myself to a bath this evening - that sounds awful!

Thats me plus an early night tonight, heres hoping I might get up early and not get ready in a rush tomorrow.

Jx
2014...it's on!
Debt at LBM (2010 when I split up with ex ) - 25200
Debt now I'm in control of my own money - 5333
Thanks your majesty!
Definitely debt free by 30??
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# 36
determined new ms
Old 24-02-2013, 8:58 PM
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Finally finished the binding. Very pleased with the results and just in time, am visiting my bff and her family on Thursday

http://s1137.beta.photobucket.com/us...tml?sort=3&o=0
VSP- 56.48
Save 12K in 2014 1148.65/7000

Debt to Bank of oh Mum: 3350/5000[/CENTER]
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# 37
little pink purse
Old 24-02-2013, 9:33 PM
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thats stunning dnms

i also like the pic of the cake yum xxx
lbm may 2009 42k jan 2013 15k left to pay 10 pays to do it in
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# 38
determined new ms
Old 24-02-2013, 9:49 PM
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awwww thanks LPP! Am very pleased with myself
VSP- 56.48
Save 12K in 2014 1148.65/7000

Debt to Bank of oh Mum: 3350/5000[/CENTER]
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# 39
zymotik
Old 25-02-2013, 10:08 PM
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Posts: 15
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Since my brother installed us a log burner, I've been saving money by spotting pallets and burning them.... I've been chopping them down all day. Then I found this handy little guide to making things out of pallets too: http://www.dumpaday.com/genius-ideas...r-old-pallets/ I fancy giving it a go!
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