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  • FIRST POST
    • ziggy2407
    • By ziggy2407 10th Oct 16, 7:36 AM
    • 2,645Posts
    • 18,236Thanks
    ziggy2407
    What small DFW things will you do this week? w/c 10/10
    • #1
    • 10th Oct 16, 7:36 AM
    What small DFW things will you do this week? w/c 10/10 10th Oct 16 at 7:36 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)

    Stashbusting Challenge 2016 - 80/52
Page 3
    • allydowd
    • By allydowd 13th Oct 16, 7:21 AM
    • 3,547 Posts
    • 21,220 Thanks
    allydowd
    MONEY MAKING AND SAVING SITES AS OFTEN MENTIONED IN THIS FORUM:
    • Benefits check-up ( Link )
    • Coupon Shop Forum list of money-off coupons (Link)
    • Cooking On A Bootstrap, cheap recipes ( Link)
    • eBid ( Link )
    • Freecycle ( Link )
    • Free Postcode Lottery ( Link )
    • FreeStuff ( Link )
    • FreeUKStuff ( Link )
    • Income Tax Calculator (Link)
    • i-Say Surveys (Link)
    • List of online newspapers. At bottom of the linked page. ( Link )
    • LuckyPhone free lottery with loyalty rewards (Link)
    • Marriage Tax Allowance (Link)
    • MSE Boost Your Income page. Gateway to lots of money-making links. ( Link )
    • MSE Abbreviations Explained ( Link )
    • MSE Deals and Vouchers ( Link )
    • MSE Wow Offers ( Link )
    • NHS Minor Ailment Service article (Link)
    • My Supermarket ( Link )
    • OnePoll ( Link )
    • Quidco ( Link )
    • Reclaim PPI at no cost to yourself ( Link )
    • Resolver tool. Helps you draft a letter, send it, monitor replies and then escalate it to an Ombudsman or key complaint body if it's not sorted. (Link)
    • SayNoTo0870 cheap phone number finder ( Link )
    • Survey sites that pay for your opinions ( Link )
    • Swagbucks ( Link )
    • Swapit ( Link )
    • Tesco Orchard product testing (Link)
    • Tickety Split cheap train tickets (Link)
    • Toluna ( Link )
    • TopCashBack ( Link )
    • Wombling Guide (Link)
    • You Need A Budget site and App (Link)

    SPOTLIGHT ON FREE POSTCODE LOTTERY:

    What is Free Postcode Lottery?

    Every day FPL give away £300 per day plus smaller prizes. You just enter your postcode and email address to enter.

    Here's the link if you want to try it out. (Link)



    Links checked 28 August 2016.
    Debt-free day: 8th May 2015
    Holiday Savings Account of Joy: £2500
    Vouchers for Decemberfest: £32

    "
    Everything works out well in the end; if all is not well, it's not the end."
    • maria3104
    • By maria3104 13th Oct 16, 11:06 AM
    • 875 Posts
    • 9,074 Thanks
    maria3104
    What a gorgeous day. Sunny and autumnal. Missing it as always, although I would soon be complaining if I had no work!!

    DD did a weeks shop yesterday £39 for 4 of us. I am delighted. she stuck to the list. Why can I not do this?

    Menu planning is my job for this weekend. Must focus
    2016 plan
    Do menu planning.
    Declutter
    • woollisox
    • By woollisox 13th Oct 16, 4:08 PM
    • 53 Posts
    • 339 Thanks
    woollisox
    Hello,

    So today I had a huge presentation, but have passed and so nearly completed my first year as a student nurse!
    *NSD
    *Dump bag chicken curry currently smelling gorgeous in the slow cooker
    *managed to find my old quilt until I can replace mine (my dog decided to mark his territory on our bed last night - OH not impressed), so no need to rush out and buy one which keeps both of us happy.
    *popped into DFS to have a look at the sofas to see the kind of style I want for when my living room is finally in one piece. Saw my aunt in there who's buying a new sofa and she said I could have hers which is 6 months old and does not have a mark on it. So free sofa = £700 saving!
    *checked the usual lucky phone, etc. Can't be bothered doing any surveys as I have a bit of a headache from my pres, so instead going to have a nice relaxed night.

    Take care.
    • twiggy86
    • By twiggy86 13th Oct 16, 4:13 PM
    • 1,246 Posts
    • 6,230 Thanks
    twiggy86
    Hi guys!

    I've popping in and reading to get ideas of all the things I used to do!

    Today I have/will:
    * check banks
    * take lunch to work
    * make shopping list
    * walk to lidl on lunch break to get shopping - stick to list!
    * buy block of circuit sessions to make it cheaper
    * charge phone in work
    * upload receipts
    * check quidco
    * open any post as soon as I walk through the front door!
    * go to circuits
    * dinner from stores - eggs courtesy of my mum for omelettes
    * wash hair and let dry naturally

    Think that's everything for now! Hope you all have a good day!
    LBM 16.10.14 - TOTAL - £9,863.64 - now £1,344.82
    LBM2 10.10.16 - TOTAL - £5,224.87- now £4,890.88
    £1,000 EF #31 - £438.40/£1,000
    Pay off by xmas 2015 £6,329.96/£5,000
    Pay off by xmas 2016 £613.14/£1,957.96
    Mortgage overpayments 2015 - £500, 2016 - £1,000
    • Baileys Babe
    • By Baileys Babe 13th Oct 16, 4:35 PM
    • 2,097 Posts
    • 9,451 Thanks
    Baileys Babe
    Ally Good to have you back.

    Woollisox Brilliant news about the sofa.

    Today I still have no voice, my chest feels very heavy and I tirer very easily. I have been trying to pace my self with plenty of rests. I needed to go out this morning to get some medicine as I discovered last night dd has worms I realised I wasn't up to the half a mile walk to the shop so we drove whilst there we also bought some milk, posted a RM survery letter (I wouldn't gone out today for this it couldof waited until next week) and put fuel in my car as I was on vapours. I was out less than 30 minutes yet I needed to have a rest when we got home.

    Lunch today was very yummy and the children were very happy with what was being served: last few slices of HM pizza, 1 slice of HM quiche, some HM sausage platt as well as a selection of fruit and veg ds prepared.

    I have been doing the regular things like FPL, Ashleigh, PAD, turning things off, sorting out the WM to run overnight, same with the DW, porridge made for tomorrow. No heating, house surprisingly okay, we haven't even thought about lighting the stove. IF any body is feeling cold their are jumpers and blankets.

    Off now to do the washing up before my next rest.
    • La escocesa
    • By La escocesa 13th Oct 16, 5:00 PM
    • 2,629 Posts
    • 15,319 Thanks
    La escocesa
    Ha ha, DNMS, not at all, I'll just be on holiday!

    In just in the car coming back from client meeting - highlights include free meal, free wine, free breakfast and lunch, procured tea bags, toiletries, pen and pencil Also explored a new city and kept clients happy.

    Spent some £££ on drink in airport and toiletries so need to YNAB that...

    OH put the heating on but I turned the thermostat down let's see if it has stayed that way

    Catch up soon!
    • yellow218
    • By yellow218 13th Oct 16, 5:03 PM
    • 36 Posts
    • 25 Thanks
    yellow218
    Hi all

    Relative newbie to this site. Been reading, but not really contributing.

    My DFW things this week:
    - adjusted the boiler settings so that we are heating the water for less time. Have not noticed any lack of hot water, so hopefully i may be able to drop it a bit more. Hoping I will notice the impact on the bills. Anyone know how long a gas boiler needs to be on for to heat up a water tank?
    - Bought the cat food from the butcher. 'Pet mince'. Cheaper and lasts longer. My girlies love it and i feel better as it feels more natural. (Sachets contain 4% meat, whats the rest of it made from?)
    - home alone this evening, is usually dangerous on the pocket (and the bathroom scales), but i took out a HM 'ready meal' from the freezer this morning so i have no excuses to pop to the shops or takeaway (must resist the chocolate).
    - having a tidy up/clear out of the workshop so we know what materials we have, so don't over buy in the future.
    - ebaying items where we can, freegle non-sellable items, dumping the rest
    • La escocesa
    • By La escocesa 13th Oct 16, 5:13 PM
    • 2,629 Posts
    • 15,319 Thanks
    La escocesa
    Oh BB, hope you get lots of rest and your LO gets better soon xx
    • crazy_cat_lady
    • By crazy_cat_lady 13th Oct 16, 6:29 PM
    • 3,005 Posts
    • 20,465 Thanks
    crazy_cat_lady
    Ally - I had to reread your post 3 times before I read the word smartwatch correctly... I thought it said sandwich £250 is one seriously expensive sandwich!
    Feeling very rough today - tired and grumpy as always. Lovely day to have my photo taken for the local paper!
    Other than that I have
    bought milk so no nsd...
    checked banking and PAD to moneybox
    full teaching day
    prep for lesson observation
    Bit of housework when I got home
    shower
    no heating at all
    Other than that it's all fairly quiet...
    NST Dec #15 NSD 2/16 DFD 6 Nov 15 - paid £28,447 Wombling '16 #28 (£634.37)
    • determined new ms
    • By determined new ms 13th Oct 16, 6:41 PM
    • 5,569 Posts
    • 29,559 Thanks
    determined new ms
    Hi everyone sorry to hear ally & bb aren't feeling too good. Hopefully it's just a 48 hr thing! ally your comment made me laugh this morning. I only do 18 hours pw and I find that hard!

    nothing of major importance to report! Am on my 4th NSD of the week - I did do a ms assignment but as will get the money back before I need to pay my cc bill I'm not including that

    As I had ms lunch assignment just having soup for tea in a bit.

    Took note of mileage and will update expenses form tomorrow - £12 coming back to me

    Need to write up ms report, get bags & lunches ready for tomorrow and then a long soak in the bath tis the simple things...
    Debt to Bank of oh Mum: £4200/£5700
    Wombling 2016 £263.42 Roadkill £27.21
    • yellow218
    • By yellow218 13th Oct 16, 6:43 PM
    • 36 Posts
    • 25 Thanks
    yellow218
    what is NSD, i've seen it used a few times but can't work out what it is.....
    • foxgloves
    • By foxgloves 13th Oct 16, 6:43 PM
    • 3,293 Posts
    • 14,396 Thanks
    foxgloves
    Hello all,
    Quite a useful day on the money saving front:
    *Got up early so did the ironing while still on cheap tariff.
    *Made tomorrow's packed lunch.
    *Managed to find a small window when website was working & paid CC.
    *Made bread rolls.
    *Checked green tomato bag. Lots of ripe ones so made lentil & tomato soup in the slow cooker & froze.
    *Cut the rest of our basil as it doesn't like cold weather. Made it into 3 pots of lovely pesto. Also made broad bean.pesto....all in freezer. We have lots of pasta so several meals there.
    *Used a few more of our apple glut in a curry sauce.....also for freezer.
    *Tweaked tonight's meal so I could use a recipe to use up some of the baby potatoes in the potato basket. You always get some tinies come up when you dig your potato crop up & don't like to waste them.
    *Still no heating on.....except for bathroom towel radiator now & again.
    *Knit more of Mum's present.
    Oh, & an NSD because I haven't been anywhere.
    F x
    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 = £2107-27
    Payment received from surveys: 2015 = £320 2016 = £195
    • katy_ann
    • By katy_ann 13th Oct 16, 6:57 PM
    • 896 Posts
    • 4,483 Thanks
    katy_ann
    Evening all, so I've still got my horrible cold but I'm feeling a bit more human! At just over 34 weeks pregnant, I am however feeling a little fed up and uncomfortable, I can't wait to meet my little man now! Tomorrow is my last day at work before I start my maternity leave! Today I have:

    - Work 9-5.30 includes 30 mins overtime
    - Check bank accounts
    - Not a NSD as I bought some cakes into work for my nearly last day!
    - Will check surveys/swagbucks

    And probably another early night! x
    Officially Debt Free on 10/12/2015 | Married on 02/07/2016 | Baby Boy Due on 21/11/2016
    November NSD 0/6
    • DawnW
    • By DawnW 13th Oct 16, 7:01 PM
    • 4,087 Posts
    • 30,478 Thanks
    DawnW
    Evening all
    Sorry to hear that so many of our number are feeling poorly. Hope you are all better soon

    Not managed much today as DD was stung by a wasp at work, and as she is badly allergic, ended up in A&E. Ended up driving her back, then to GP's later when she had recovered a bit. Anyway, she is ok now.

    Very small list:
    HM meals from stores
    Walked to post office this morning as I only had 2 parcels and they fitted in my trolley. Free exercise and no fuel used
    Posted 2 ebay items, listed a few more, sold 3 so far today
    Bought and posted birthday card for my aunt - late sadly, as I didn't check the calendar in time I did manage to scribble a quick letter to put in with the card though Got a really nice card from one of the local discount / pound shops for only 69p, and used a RM surveys free stamp to post it
    Bit of business paperwork
    Woodburner alight so it is toasty in here
    Kettle is on top for 'free' hot drinks later

    Better go and pack ebay parcels for tomorrow.

    • allydowd
    • By allydowd 13th Oct 16, 7:19 PM
    • 3,547 Posts
    • 21,220 Thanks
    allydowd
    I have rent rage. Awoke this evening (post-nightshift sleep) to find a letter from our Housing Asso saying our rent account was £291 in credit.

    Why has this annoyed the Wee geek?

    It's the wrong smurfing amount! We shouldn't be in credit. That £291 should be in my bank account.

    Back in April our ghastly Housing Asso told us that instead of paying £92 a week over 48 weeks we should pay £85 a week over 52 weeks. They said if we didn't want to change we could opt out. We opted out after sending about 10000000 emails to get it sorted.

    Every week I've paid £92 in but they have allocated only £85 to our account each week, putting us in £7 a week credit every week since April.

    I know that they money isn't "lost" and it means we don't need to pay anything for the next three weeks but it's the principal of the smurfing thing and the Housing Asso is shut for the night now.



    Last edited by allydowd; 13-10-2016 at 7:22 PM.
    Debt-free day: 8th May 2015
    Holiday Savings Account of Joy: £2500
    Vouchers for Decemberfest: £32

    "
    Everything works out well in the end; if all is not well, it's not the end."
    • allydowd
    • By allydowd 13th Oct 16, 7:20 PM
    • 3,547 Posts
    • 21,220 Thanks
    allydowd
    what is NSD, i've seen it used a few times but can't work out what it is.....
    Originally posted by yellow218
    A No Spend Day. A day when you keep your wallet shut.
    Debt-free day: 8th May 2015
    Holiday Savings Account of Joy: £2500
    Vouchers for Decemberfest: £32

    "
    Everything works out well in the end; if all is not well, it's not the end."
    • LuckyPenny
    • By LuckyPenny 13th Oct 16, 8:18 PM
    • 468 Posts
    • 3,127 Thanks
    LuckyPenny
    what is NSD, i've seen it used a few times but can't work out what it is.....
    Originally posted by yellow218
    Hi yellow welcome to the thread. NSD is no spend day
    Wins so far Designer Wedding Dress,IPod Nano,£50 Meal Voucher,Family Photoshoot,Trampoline, Earrings, Week in a cottage, A years supply of Kiddilicious, Board Game, £25 Clothes Voucher, 4 Easter Eggs, £10 coffee shop voucher, £12 cash, Tube scarf, Ice Age bundle

    Pay off all debts by Xmas 2016 #69 £4,851/£9,972 Christmas 2017 Saving #11 £4/365
    • LuckyPenny
    • By LuckyPenny 13th Oct 16, 8:29 PM
    • 468 Posts
    • 3,127 Thanks
    LuckyPenny
    Had another couple of busy days at work.ive continued the usual things:
    - packed lunch
    - 1 NSD, called into the shops to get some milk and fruit on the way home, got loyalty points. I always have reusable bag that rolls up in my handbag as I had paying for plastic ones.
    - sold another eBay item
    - healthcare company have agreed my claim and will refund £30 I had to pay GP to fill in form
    - still squabbling with tastecard. They have taken £40 from my account and I don't even have a flaming card!
    - postcode lottery
    - bumped Facebook sales
    - checked MR apps
    - got a crack in my wind screen so had to get it replaced. Annoyed because it was unplanned spend but I had enough to pay the excess squirrelled away so pleased I didn't have to go into OD or on a CC. ��

    Hope everyone is feeling better soon. Lots of bugs going around by the sounds of it.
    LP
    Wins so far Designer Wedding Dress,IPod Nano,£50 Meal Voucher,Family Photoshoot,Trampoline, Earrings, Week in a cottage, A years supply of Kiddilicious, Board Game, £25 Clothes Voucher, 4 Easter Eggs, £10 coffee shop voucher, £12 cash, Tube scarf, Ice Age bundle

    Pay off all debts by Xmas 2016 #69 £4,851/£9,972 Christmas 2017 Saving #11 £4/365
    • determined new ms
    • By determined new ms 13th Oct 16, 8:58 PM
    • 5,569 Posts
    • 29,559 Thanks
    determined new ms
    shouldn't chuckle Lucky but Tastecard have just raised the bar on incompetence! What an annoyance, how can they be arguing over that??!
    Debt to Bank of oh Mum: £4200/£5700
    Wombling 2016 £263.42 Roadkill £27.21
    • LuckyPenny
    • By LuckyPenny 14th Oct 16, 10:41 AM
    • 468 Posts
    • 3,127 Thanks
    LuckyPenny
    shouldn't chuckle Lucky but Tastecard have just raised the bar on incompetence! What an annoyance, how can they be arguing over that??!
    Originally posted by determined new ms
    I know! They reckon I applied online, to be fair I may have done but I didn't receive the 'trial' card and if I did apply I totally forgot given that I have no card. I've put a complaint through paypal, looks like it might take some time to get sorted
    Wins so far Designer Wedding Dress,IPod Nano,£50 Meal Voucher,Family Photoshoot,Trampoline, Earrings, Week in a cottage, A years supply of Kiddilicious, Board Game, £25 Clothes Voucher, 4 Easter Eggs, £10 coffee shop voucher, £12 cash, Tube scarf, Ice Age bundle

    Pay off all debts by Xmas 2016 #69 £4,851/£9,972 Christmas 2017 Saving #11 £4/365
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