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  • FIRST POST
    • LuckyPenny
    • By LuckyPenny 17th Oct 16, 7:44 AM
    • 465Posts
    • 3,103Thanks
    LuckyPenny
    What small DFW things will you do this week? Wc 17/10/16
    • #1
    • 17th Oct 16, 7:44 AM
    What small DFW things will you do this week? Wc 17/10/16 17th Oct 16 at 7:44 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
    Last edited by LuckyPenny; 17-10-2016 at 7:49 AM.
    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 2016 Saving #75 £181/£334
Page 1
    • LuckyPenny
    • By LuckyPenny 17th Oct 16, 7:46 AM
    • 465 Posts
    • 3,103 Thanks
    LuckyPenny
    • #2
    • 17th Oct 16, 7:46 AM
    • #2
    • 17th Oct 16, 7:46 AM
    Whoop I started the threat. I'm in work today so just a few things:
    - lunch and drinks provided
    - topcashback surfing to win prizes
    - postcode lottery
    - collect a dress I bought on Facebook for £5. Hope this cures my urge to spend money on new clothes!

    Have a good day everyone! 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 2016 Saving #75 £181/£334
    • katy_ann
    • By katy_ann 17th Oct 16, 9:17 AM
    • 896 Posts
    • 4,483 Thanks
    katy_ann
    • #3
    • 17th Oct 16, 9:17 AM
    • #3
    • 17th Oct 16, 9:17 AM
    Morning LuckyPenny and thanks for starting the thread! Today is my first day on my maternity leave, it feels very strange knowing that I won't be in work for the next year! I'm going to try for a NSD day! I'm going to see my Mum a bit later and take her to the shops and then this afternoon I think I'm going to potter around and try and pack my hospital bag! Other things are:
    - Check bank accounts
    - All meals from home/Mum's
    - Surveys/Swagbucks
    - NSD
    - Pack hospital bag

    Have a lovely Monday everyone x
    Officially Debt Free on 10/12/2015 | Married on 02/07/2016 | Baby Boy Due on 21/11/2016
    November NSD 0/6
    • twiggy86
    • By twiggy86 17th Oct 16, 9:53 AM
    • 1,246 Posts
    • 6,230 Thanks
    twiggy86
    • #4
    • 17th Oct 16, 9:53 AM
    • #4
    • 17th Oct 16, 9:53 AM
    Morning guys!


    Need to get back into the habit of posting on here regularly, although I have been reading for the last week to get motivation and ideas!


    So today I have/will:-
    * check banks
    * pay £2.43 from quidco off cc
    * walk around in the dark to save turning on lights!
    * take lunch to work
    * take letter to work so I can call about balance transfer
    * call (from work) new cc re balance transfer issue
    * post on here
    * pay money into bank
    * buy bulk circuits sessions to save £20 rather than pay as I go
    * snap receipt
    * dinner from stores
    * go to circuits
    * wash hair and let dry naturally


    That's everything I can think of 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
    • ziggy2407
    • By ziggy2407 17th Oct 16, 9:56 AM
    • 2,645 Posts
    • 18,236 Thanks
    ziggy2407
    • #5
    • 17th Oct 16, 9:56 AM
    • #5
    • 17th Oct 16, 9:56 AM
    Good Morning All

    LP - Thanks for starting us off today
    katy_ann - Enjoy your maternity leave

    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.

    Bathroom refit continues, over the weekend we've done tip runs and painted the newly plastered bathroom as well as the normal weekend stuff - shopping, footie match for DS, exhausted now. Today's list:

    Packed lunch for DH & DS - Done
    Check Bank - Done
    Stew in SC - Done
    Freegler collecting - Done
    Bump listsing on freegle/ebay -
    Start prepping for decorating in the attic -
    Craft -
    Declutter -
    Bump Sale Posts on FB -
    Walk at least 7000 step for Bounts points -
    Continue purge on emails -
    Surveys -
    Enter a few comps -
    All meals from cupboards/fridge/freezer -
    Check: Lucky Phone, Ashleigh, Numberplatelotto, FPL -

    Have a great day!

    C x
    Last edited by ziggy2407; 17-10-2016 at 10:02 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)

    Stashbusting Challenge 2016 - 80/52
    • Bobarella
    • By Bobarella 17th Oct 16, 10:03 AM
    • 8,002 Posts
    • 51,350 Thanks
    Bobarella
    • #6
    • 17th Oct 16, 10:03 AM
    • #6
    • 17th Oct 16, 10:03 AM
    Morning LuckyPenny and thanks for starting the thread! Today is my first day on my maternity leave, it feels very strange knowing that I won't be in work for the next year! I'm going to try for a NSD day! I'm going to see my Mum a bit later and take her to the shops and then this afternoon I think I'm going to potter around and try and pack my hospital bag! Other things are:
    - Check bank accounts
    - All meals from home/Mum's
    - Surveys/Swagbucks
    - NSD
    - Pack hospital bag

    Have a lovely Monday everyone x
    Originally posted by katy_ann
    Hope you have a great maternity leave.
    £790 to pay =70% repaid
    RR 2016 #2 December £0.75 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,230.66 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • Bobarella
    • By Bobarella 17th Oct 16, 10:18 AM
    • 8,002 Posts
    • 51,350 Thanks
    Bobarella
    • #7
    • 17th Oct 16, 10:18 AM
    • #7
    • 17th Oct 16, 10:18 AM
    Hi all

    Has anyone heard from Legomum? I went to PM her but it looks like she has deactivated her account. If you are reading I hope you are ok.

    The list

    1. Checked banking. A week till we get more funds and things are extremely tight. Thankfully I will get some more cash mid week (£40) & £75 a day later but it has to pay a bill of £56 still.
    2. No sign of my missing cheques (£55 lost in the post it would appear)
    3. Heating off, hoping to last till November at least. My record was December 1st
    4. Lunch will probably be BLT again as I came back from the event on Saturday with a kilo of bacon and 10 ciabattas.
    5. Relist my unsold eBay items
    6. NSD - this depends on how the nappy supplies last. Although I know I have £3.90 in nectar points and a 1000 point voucher to scan still.
    7. Will get the kids out in the garden for play later. Must wrestle DS away from his darn Pokemon game.
    8. Dinner will be chicken pasta bake to use up some of the lovely roast veg from yesterday's meal and of course the chicken.
    9. Walk any journeys
    10. Use up rest of Eton mess for tonight's pudding

    Hope everyone is well.

    Bob
    £790 to pay =70% repaid
    RR 2016 #2 December £0.75 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,230.66 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • maria3104
    • By maria3104 17th Oct 16, 10:36 AM
    • 875 Posts
    • 9,074 Thanks
    maria3104
    • #8
    • 17th Oct 16, 10:36 AM
    • #8
    • 17th Oct 16, 10:36 AM
    Hoping for a really focused week.

    Have done the mail and no nasty shocks. Now need to concentrate on no lapses
    2016 plan
    Do menu planning.
    Declutter
    • foxgloves
    • By foxgloves 17th Oct 16, 10:42 AM
    • 3,291 Posts
    • 14,377 Thanks
    foxgloves
    • #9
    • 17th Oct 16, 10:42 AM
    • #9
    • 17th Oct 16, 10:42 AM
    Morning all,
    Yes, it will be odd without Legomum's awesome lists. Hope she is ok.
    Bob - £999? £999???? Three figures just feels so much better then four, doesn't it? I know you'll keep up the good work. Look forward to seeing that become a 989, then a 979.....& down it goes.
    I have a meeting tonight, which I've prepared for nice & early, so can get on with my day. Money saving stuff today as follows:
    *Overnight laundry on cheap tariff. Already pegged out. Rain forecast for tomorrow so have put another load on at full price (that's not like me, is it?!) but I'm figuring that getting it part dry on the line today will be cheaper than running the heated airer for extra hours to do it from scratch indoors.
    *Made 1/4 lb-ers for dinner. Mince from freezer, l/o from something else, ditto bread rolls. Will pick lettuce, watercress & cucumber from garden later & serve with a big mixed salad.
    *Rounded up loose change & paid into shrapnel box.
    *Paid another 50 p into my sealed pot.
    *Entered a competition.
    *Moved some funds around to keep budgets straight.
    *Updated grocery budget.
    *Found a stamp I didn't know I had for B-in-L's birthday card.
    *Did 2 surveys.
    *Updated ebay account & reminded mr f to contact buyer who wants to negotiate a price for several small items as a 'job lot'.
    *Youtube grafting technique so I can join the pieces of Mum's present. The knitting is all done on it, just need to sew in ends & graft together.
    *Knit more of S-in-L's present.
    *Two baths from one lot of hot water. Am targeting bits of toiletry products for 'Use-it-up' this month as seem to have lots of small amounts of things hanging around.
    *Still no heating on. Big cardi on instead. We are aiming not to put it on until 2nd week of Nov, but if it gets a lot colder, we won't be silly about it, I'd just rather save our energy bill money for using more when it's really cold than being feeble now. But when it gets to the stage where my feet are cold most of the time, it'll be on! I don't like freezy feet.
    OK, washer seems to have finished, so will go & peg 2nd load out in the sunshine.
    Wishing you all a productive money-saving week,
    F x
    Last edited by foxgloves; 17-10-2016 at 10:44 AM.
    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
    • determined new ms
    • By determined new ms 17th Oct 16, 11:28 AM
    • 5,561 Posts
    • 29,497 Thanks
    determined new ms
    Hi guys. Quick post for me as am just having a 5 minute break at work.

    Small things for the day:

    Lunch is lo aubergine bake pulled out of freezer
    Had crumpets for breakfast at work using work butter and electricity (left early this morning! )
    Took note of mileage to update expenses form
    No pers spends for me today. Might need to get a couple of bits for work though...
    Making bns soup tonight with free bns (given to me by fellow allotmenteer
    2nd part of sock heel tonight when madam goes to bed
    One poll
    Might list a couple of fleabags items tonight
    Need to contact friend re meeting up on Friday

    That'll do. Katy enjoy your ml! X
    Debt to Bank of oh Mum: £4200/£5700
    Wombling 2016 £263.42 Roadkill £27.21
    • PurpleFairy26
    • By PurpleFairy26 17th Oct 16, 11:38 AM
    • 1,336 Posts
    • 8,667 Thanks
    PurpleFairy26
    Morning all (just ) - Just having a quick cuppa and 5 minutes away from work before I get back on it. Katy - enjoy and best wishes.

    I've just managed to PM Lego Mum I used one where I had messaged her before, so hopefully it will go through. Hope you're ok.

    My list for today:

    3 loads of washing outside to dry, its blowy but cold, hoping at least half of it dries and then I can do the rest on the airer overnight
    Were away at the end of the week, so food is eating what we have and using left overs - macaroni and cauli bake for tea and tomorrow probably cauli cheese risotto
    Ate crust of bread for toast, as it's usually left for breadcrumbs
    Called council to get DD form for our garden bin as it's £9 a year saving if you pay by DD, but you can't set a DD for a year you receive a bill. If I don't do it now I'll forget and get next years bill and won't be able to do it then either
    made appointment for DD for flu jab
    Cleaned bathroom
    Check surveys, FPL and bank
    Dropped DH and DDs in town rather than them paying to park
    Checked wool out at a shop in town but didn't buy as it was very expensive, will purchase on line later in week as I don't want it to come whilst were away
    DD1 to dentist
    Package and post 2 fleabay parcels
    No heating on

    Right, check back later. PF
    CC1 paid off April '16. Debt on 0% card deal ends March '18, so DF date is also March '18, because we'll be saving the rest
    • Bobarella
    • By Bobarella 17th Oct 16, 3:31 PM
    • 8,002 Posts
    • 51,350 Thanks
    Bobarella
    Thanks Foxglove's yes it does feel good to be under that mark psychologically. I agree about the cold feet stage. It's positively spring like today though

    PF ok that's good to hear.
    £790 to pay =70% repaid
    RR 2016 #2 December £0.75 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,230.66 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • DawnW
    • By DawnW 17th Oct 16, 4:16 PM
    • 4,083 Posts
    • 30,441 Thanks
    DawnW
    Hello
    Thanks for starting us off LuckyPenny
    Hope Legomum is ok, and it is just tech problems that are preventing her from posting etc

    Today I have / will:
    Posted 4 ebay parcels
    Sold another item
    Listed a few more bits
    Went to sales unit - nothing sold over the weekend again I will stick it out till Christmas, then go online only I think!
    Walked all journeys today, loaded up my trusty trolley with parcels
    RM surveys tasks
    A few online surveys
    Soup made yesterday for lunch - still lots left!
    Chicken and roasted veg in oven for dinner
    Loaf in bread maker
    Fruit out of freezer for tomorrow's breakfast
    Rinsed out 2 ziploc bags and hung on line to dry - I always do this unless they have contained something messy, greasy or containing meat. These have only had uncooked veg and fruit in them. OH doesn't like me doing this, as he reckons the neighbours will think we are some kind of extreme frugal freaks. Do I care? I do not
    Will light wood stove later, burning free waste wood at the moment Kettle will be steaming away for 'free' hot drinks this evening

    • Bobarella
    • By Bobarella 17th Oct 16, 4:31 PM
    • 8,002 Posts
    • 51,350 Thanks
    Bobarella
    I always reuse ziplock bags too. I wash them, turn them inside out and place them over the spray bottle on the window sill. End of the day it's an eco friendly thing to do as well. Less plastic in the landfill has to be good.
    £790 to pay =70% repaid
    RR 2016 #2 December £0.75 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,230.66 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • FrugalinShropshire
    • By FrugalinShropshire 17th Oct 16, 4:56 PM
    • 150 Posts
    • 1,402 Thanks
    FrugalinShropshire
    Afternoon everyone.
    Today I have
    Made a batch of pressure cooked tomato soup from YS tomatoes and there is enough for tomorrow
    Used up some slightly going off veg and a YS aubergine to make ratatouille for Thursdays dinner
    Hung 2 loads of washing on the line
    Paid £10 of £1 coins into sealed pot for Xmas

    Xx
    Proud to be mortgage free
    • crazy_cat_lady
    • By crazy_cat_lady 17th Oct 16, 6:25 PM
    • 3,003 Posts
    • 20,451 Thanks
    crazy_cat_lady
    Hi everyone
    Survived my lesson observation and now just need to survive until the end of the week to get to half term. I can't wait.
    Busy busy, but I wanted to check in and say hello to everyone.
    NST Dec #15 NSD 2/16 DFD 6 Nov 15 - paid £28,447 Wombling '16 #28 (£634.37)
    • LuckyPenny
    • By LuckyPenny 17th Oct 16, 7:31 PM
    • 465 Posts
    • 3,103 Thanks
    LuckyPenny
    Whoop I started the threat. I'm in work today so just a few things:
    - lunch and drinks provided
    - topcashback surfing to win prizes
    - postcode lottery
    - collect a dress I bought on Facebook for £5. Hope this cures my urge to spend money on new clothes!

    Have a good day everyone! LP
    Originally posted by LuckyPenny
    Managed this list today and
    - sold a small item on Facebook
    - just sent DH to garage to get DD's bike that someone is looking to buy on Facebook

    Good luck with the maternity leave Katy Ann make the most of our time with your baby.
    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 2016 Saving #75 £181/£334
    • determined new ms
    • By determined new ms 17th Oct 16, 7:31 PM
    • 5,561 Posts
    • 29,497 Thanks
    determined new ms
    PF did I read that right that you have to PAY your council to remove garden waste? That is shocking...
    Debt to Bank of oh Mum: £4200/£5700
    Wombling 2016 £263.42 Roadkill £27.21
    • PurpleFairy26
    • By PurpleFairy26 17th Oct 16, 8:19 PM
    • 1,336 Posts
    • 8,667 Thanks
    PurpleFairy26
    PF did I read that right that you have to PAY your council to remove garden waste? That is shocking...
    Originally posted by determined new ms
    Indeed they collect it every two weeks all year round. We can take it to the tip but it means filling up the car and the petrol to get there and it's only open about two days a week because of cuts. I think it's poor though when others get it for free.

    Lego mum is fine but not posting, but reading when she can
    CC1 paid off April '16. Debt on 0% card deal ends March '18, so DF date is also March '18, because we'll be saving the rest
    • determined new ms
    • By determined new ms 17th Oct 16, 8:20 PM
    • 5,561 Posts
    • 29,497 Thanks
    determined new ms
    ooooo I have to weigh in on the recycled bags debate since going on the "not buying it" challenge I have become very interested in not only not buying stuff but recycling as much as I possibly can to have the least (negative) impact I can on the world. I wash out all bags and use them again, including bags from bread. Our child minder must think I've gone bonkers! Little factoid for you every single thing that has ever been made in plastic still exists
    Debt to Bank of oh Mum: £4200/£5700
    Wombling 2016 £263.42 Roadkill £27.21
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