IMPORTANT! This is MoneySavingExpert's open forum - anyone can post
Please exercise caution & report any spam, illegal, offensive, racist, libellous post to forumteam@moneysavingexpert.com
-
All the best tips go in the MoneySavingExpert weekly email
Plus all the new guides, deals & loopholes
Sat/Sun 23rd/24th Feb: What small DFW-style things will you be doing today?
23-02-2013, 6:15 PM
|
Fantastically Fervent MoneySaving Super Fan 
Join Date: Jan 2008
Location: South East
Posts: 4,030
Thanked 19,210 Times in 3,629 Posts
|
Quote:
Originally Posted by Bobarella
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- £172.44
MayNSDs 1/12 May GC £102.46/£140 Debt to Bank of oh Mum: £1000/£5000
Last edited by determined new ms; 23-02-2013 at 7:32 PM.
|
|
|
|
The Following 5 Users Say Thank You to determined new ms For This Useful Post:
Show me >>
|
|
|
|
23-02-2013, 11:40 PM
|
MoneySaving Convert 
Join Date: Jan 2013
Location: Lovely lakes
Posts: 93
Thanked 330 Times in 75 Posts
|
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
|
|
|
|
The Following 6 Users Say Thank You to stacey2193 For This Useful Post:
Show me >>
|
|
|
|
24-02-2013, 6:21 AM
|
Serious MoneySaving Fan 
Join Date: Mar 2007
Location: North Hampshire
Posts: 1,410
Thanked 8,442 Times in 1,259 Posts
|
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
DFW Nerd 749 - Proud to be dealing with my debts!
Debts At 01/07/2011 Egg £5,359 MBNA £1,718 Abbey CC £154 RBS CC £81
Sealed pot challenge 2013 number 783
Debts At 25/8/2012 Egg £1,609 MBNA £2,068
AAT savings £350/£1,000 35%
Last edited by Candy0107; 24-02-2013 at 6:29 AM.
|
|
|
|
The Following 6 Users Say Thank You to Candy0107 For This Useful Post:
Show me >>
|
|
|
|
24-02-2013, 7:20 AM
|
MoneySaving Convert 
Join Date: Nov 2005
Location: London
Posts: 177
Thanked 736 Times in 163 Posts
|
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
Credit Card 1 £4,000 Credit Card 2 - £ 1,300 Credit Total £5,300 *Repaid £3,568 since Nov 1 2012. All credit now on 0% deals for 13 months. 40% repaid.
Emergency fund - £900.59 01/06/13 Would like to get to £1,000 by end of 2013.
My goal is to be debt free by September, but lets just see!!!
|
|
|
|
The Following 6 Users Say Thank You to Bobarella For This Useful Post:
Show me >>
|
|
|
|
24-02-2013, 7:44 AM
|
Fantastically Fervent MoneySaving Super Fan 
Join Date: Jan 2008
Location: South East
Posts: 4,030
Thanked 19,210 Times in 3,629 Posts
|
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- £172.44
MayNSDs 1/12 May GC £102.46/£140 Debt to Bank of oh Mum: £1000/£5000
Last edited by determined new ms; 24-02-2013 at 7:24 PM.
|
|
|
|
The Following 6 Users Say Thank You to determined new ms For This Useful Post:
Show me >>
|
|
|
|
24-02-2013, 9:18 AM
|
MoneySaving Stalwart 
Join Date: Oct 2011
Location: Dorset
Posts: 538
Thanked 2,830 Times in 390 Posts
|
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
*~* Finally making the right decision to be debt free! *~* As of 23/05/2013 I AM going to stick to budget and I AM going to make extra payments, I NEED to get myself on the straight and narrow!  Debt as of 23/05/2013 £5697  Swagbucks Payouts as of 23/05/2013 - £5 | £2 Savers Club 2013 #78
|
|
|
|
The Following 7 Users Say Thank You to katy_ann For This Useful Post:
Show me >>
|
|
|
|
24-02-2013, 9:24 AM
|
MoneySaving Stalwart 
Join Date: Jul 2012
Posts: 248
Thanked 2,219 Times in 245 Posts
|
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.
|
|
|
|
The Following 6 Users Say Thank You to MinnieMousesMummy For This Useful Post:
Show me >>
|
|
|
|
24-02-2013, 9:46 AM
|
Fantastically Fervent MoneySaving Super Fan 
Join Date: Jan 2008
Location: South East
Posts: 4,030
Thanked 19,210 Times in 3,629 Posts
|
congrats katy_ann  amazing news. so pleased for you!
VSP- £172.44
MayNSDs 1/12 May GC £102.46/£140 Debt to Bank of oh Mum: £1000/£5000
|
|
|
|
The Following 5 Users Say Thank You to determined new ms For This Useful Post:
Show me >>
|
|
|
|
24-02-2013, 11:01 AM
|
MoneySaving Convert 
Join Date: Dec 2011
Posts: 190
Thanked 679 Times in 184 Posts
|
 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
|
|
|
|
The Following 6 Users Say Thank You to mary hinge For This Useful Post:
Show me >>
|
|
|
|
24-02-2013, 12:09 PM
|
Serious MoneySaving Fan 
Join Date: Jul 2009
Location: Merseyside
Posts: 811
Thanked 1,090 Times in 434 Posts
|
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 - £18,500
25th Feb 2013 - £16,923 - 8.318% paid off.
Demolishing my House of Debt..one brick at a time!! 
Long Haul Supporters Thread Member No. 323
|
|
|
|
The Following 6 Users Say Thank You to Chrisblue1962 For This Useful Post:
Show me >>
|
|
|
|
24-02-2013, 2:34 PM
|
Serious MoneySaving Fan 
Join Date: Mar 2010
Posts: 1,612
Thanked 8,066 Times in 1,434 Posts
|
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: OD: £600.00 CC V: £1870.17 CC B: £0 CC H: £2800.96 CCH2: £455.87 M&D: £0 Total: £5727.00 
55.48% paid off, 44.52% to go...
1% at a time since Sept 12: 50%
Last edited by Pernicious; 24-02-2013 at 10:46 PM.
|
|
|
|
The Following 5 Users Say Thank You to Pernicious For This Useful Post:
Show me >>
|
|
|
|
24-02-2013, 6:23 PM
|
Serious MoneySaving Fan 
Join Date: Jul 2009
Posts: 1,582
Thanked 2,886 Times in 996 Posts
|
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!" 
|
|
|
|
The Following 6 Users Say Thank You to foxgloves For This Useful Post:
Show me >>
|
|
|
|
24-02-2013, 7:03 PM
|
Serious MoneySaving Fan 
Join Date: Jul 2008
Location: Scotland
Posts: 1,247
Thanked 3,973 Times in 917 Posts
|
Old car has just been towed off to the great scrapyard in the sky. Got £80 for him. Better than nothing.
Credit Card ...........................................£2,630
Original debt.........................................£12,000
£23.75/£40.... One Poll
250/1000...........Nectar Points
365/1360.........Ipsos Points
|
|
|
|
The Following 5 Users Say Thank You to allydowd For This Useful Post:
Show me >>
|
|
|
|
24-02-2013, 7:45 PM
|
Serious MoneySaving Fan 
Join Date: Feb 2007
Posts: 1,009
Thanked 6,252 Times in 945 Posts
|
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)
Weightloss 2012 - 35lbs 
|
|
|
|
The Following 4 Users Say Thank You to ziggy2407 For This Useful Post:
Show me >>
|
|
|
|
24-02-2013, 7:54 PM
|
Serious MoneySaving Fan 
Join Date: Jan 2010
Location: Wiltshire
Posts: 1,143
Thanked 6,117 Times in 991 Posts
|
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
2013...it's on! Debt at LBM (2010 when I split up with ex ) - £25200 Debt now I'm in control of my own money - £5199 Definitely debt free by 30 
|
|
|
|
The Following 5 Users Say Thank You to josiebabie For This Useful Post:
Show me >>
|
|
|
|
24-02-2013, 8:58 PM
|
Fantastically Fervent MoneySaving Super Fan 
Join Date: Jan 2008
Location: South East
Posts: 4,030
Thanked 19,210 Times in 3,629 Posts
|
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- £172.44
MayNSDs 1/12 May GC £102.46/£140 Debt to Bank of oh Mum: £1000/£5000
|
|
|
|
The Following 2 Users Say Thank You to determined new ms For This Useful Post:
Show me >>
|
|
|
|
24-02-2013, 9:33 PM
|
MoneySaving Stalwart 
Join Date: Jul 2011
Posts: 555
Thanked 2,288 Times in 442 Posts
|
thats stunning dnms
i also like the pic of the cake yum xxx
lbm may 2009 £42k jan 2013 14.5k left to pay 8 pays to do it in
|
|
|
|
The Following 3 Users Say Thank You to little pink purse For This Useful Post:
Show me >>
|
|
|
|
24-02-2013, 9:49 PM
|
Fantastically Fervent MoneySaving Super Fan 
Join Date: Jan 2008
Location: South East
Posts: 4,030
Thanked 19,210 Times in 3,629 Posts
|
awwww thanks LPP! Am very pleased with myself
VSP- £172.44
MayNSDs 1/12 May GC £102.46/£140 Debt to Bank of oh Mum: £1000/£5000
|
|
|
|
The Following 2 Users Say Thank You to determined new ms For This Useful Post:
Show me >>
|
|
|
|
25-02-2013, 10:08 PM
|
MoneySaving Convert 
Join Date: Nov 2011
Posts: 15
Thanked 4 Times in 4 Posts
|
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!
|
|
|
 |
|
| Thread Tools |
Search this Thread |
|
|
|
| Display Modes |
Linear Mode
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
All times are GMT +1. The time now is 9:03 AM.
|
Free MoneySaving Email
Top deals:
Week of 22 May 2013
Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and Deals
GET THIS FREE WEEKLY EMAIL
Full of deals, guides & it's spam free
Last 15 mins
Popular Now:
Find the best online rate for holiday cash with MSE's TravelMoneyMax.
Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.
- £100 buys:
- Best
- Worst
- Euro
- 115.90
- 105.91
- Dollar
- 150.05
- 137.03
- Lira
- 270.73
- 248.89
|