Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • determined new ms
    • By determined new ms 13th Mar 17, 7:38 AM
    • 6,203Posts
    • 34,850Thanks
    determined new ms
    What small DFW things will you do this week? w/c 13/03
    • #1
    • 13th Mar 17, 7:38 AM
    What small DFW things will you do this week? w/c 13/03 13th Mar 17 at 7:38 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
    DF as at 30/12/16
    Wombling '16 £264.46 Roadkill £28.25
    Wombling '17 May /YTD £1907.45/Roadkill £8.53
    CCC £85.94/£250 CC saved £1015 Veg grown £5.29
Page 1
    • determined new ms
    • By determined new ms 13th Mar 17, 7:52 AM
    • 6,203 Posts
    • 34,850 Thanks
    determined new ms
    • #2
    • 13th Mar 17, 7:52 AM
    • #2
    • 13th Mar 17, 7:52 AM
    Morning! Yay to a day off responsibility free have been up a while and have got madam's lunch ready. Planning to go to the allotment when oh & dgd have left Woke up this morning and calabrese, purple sprouts and sunflowers have germinated and I think I can see 2 broad beans starting As you can see I've still got a one track mind!

    Things for today:

    * go to the allotment, dig over 2m x 2m patch, dig up & plant blackcurrant plants given to me yesterday. Was given 8 plants! Think i will only take 4 though...
    * all meals from stores - check meal plan and get out whatever is needed
    * super speedy hour cleaning
    * wash down greenhouse
    * might sow some seeds
    * load of washing & hang out
    * pay cc statement - must do this before leaving
    * have horrific dentist appt this afternoon. Try not to freak out until I'm on my way
    * park out of town for free
    * do shopping while in town, take bags & stick to list!
    * investigate black stacking buckets to make my own "can o' worms" wormery looking at it even with my limited skills I think I could do it in an hour and less than £20 I have £20 that has been sitting in my savings account since my 40th in Nov 2015 for this very thing. I was going to buy one but now have discovered with a little time and effort I can make one
    * make a batch of soup, some scones and a cake

    Ok that seems more than enough! Happy Monday y'all x
    DF as at 30/12/16
    Wombling '16 £264.46 Roadkill £28.25
    Wombling '17 May /YTD £1907.45/Roadkill £8.53
    CCC £85.94/£250 CC saved £1015 Veg grown £5.29
    • DawnW
    • By DawnW 13th Mar 17, 8:24 AM
    • 4,332 Posts
    • 32,863 Thanks
    DawnW
    • #3
    • 13th Mar 17, 8:24 AM
    • #3
    • 13th Mar 17, 8:24 AM
    Morning all
    Thanks for starting us off DNMS
    Looks as if it will be a nice day today I have little GD this morning as her mum has a medical appointment. Some small things:
    No heating on downstairs, even upstairs it is coming on less now, as the thermostat is set quite low - could do with the airing cupboard warming up for a while though, to air through the bedding I washed and line dried yesterday.
    HM meals from stores - I have taken sausages and YS streaky bacon out of the freezer to make a huge sausage casserole which will hopefully do a couple of days Done, plenty for tomorrow
    2 ebay parcels and a RM surveys item to post Forgot the RM surveys item Will have to do tomorrow
    Check whether tomato seeds / seedlings need water Done
    Check banks Done
    Check for surveys Done
    More tidying / organising in the house Limited,due to GD.... Changed throw and cushions on sofa, washed throw and dried on line, changed dining room curtains and put the winter ones in to wash (sounds extravagant having winter and summer curtains, but only for this room, one pair a friend made for me years ago for a previous house, and the other came from a CS ) I do love both pairs though!
    Ought to try to get to my sales unit, but this depends on when DD gets back from her appointment. Done, one item sold and another stolen, by the looks of it Nothing valuable, but annoying all the same
    Went into Iceland, bought 2 x ice cream, bread and some hot cross buns, spent 50p plus 5 x £1 shopping vouchers from RM surveys
    Dog walk later OH did this.
    Sold 2 more ebay items, seems to be picking up a bit after a week of almost no sales. Only small bits, but they all add up


    OK, more coffee needed I think! Hope everyone has a good day
    Last edited by DawnW; 13-03-2017 at 7:42 PM.

    • allydowd
    • By allydowd 13th Mar 17, 8:39 AM
    • 3,755 Posts
    • 23,308 Thanks
    allydowd
    • #4
    • 13th Mar 17, 8:39 AM
    • #4
    • 13th Mar 17, 8:39 AM
    Hi March Money-Savers,

    A day off. Tired because a colleague called me for work advice in the middle of the night. So a modest list today:

    Debt Free-Nillionaire Continuity Plan Year Two:

    * Check online banking.

    * Backed up Finances spreadsheet in cyberspace to protect against loss.

    * Cleared emails.

    * Going for a free stroll by the local loch later. DW will do some photografaffing.
    Last edited by allydowd; 13-03-2017 at 8:48 AM.
    Debt-free day: 8th May 2015
    The Joy Account: £3500
    Survey Rewards 2017: £64
    Swim for Sanity: 1810m
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • carrielovesfanta
    • By carrielovesfanta 13th Mar 17, 8:57 AM
    • 1,157 Posts
    • 8,169 Thanks
    carrielovesfanta
    • #5
    • 13th Mar 17, 8:57 AM
    • #5
    • 13th Mar 17, 8:57 AM
    Morning folks,

    Will catch up in a sec.

    I decided to have a couple of glasses of wine yesterday. I know for a fact otherwise that I will get overexcited on Friday and drink too much. Esp as my colleagues tend to buy you drinks. Which is clearly MSE to accept

    No more drinks now until Friday.

    Today's mission:
    • B/L/D from stores
    • Back to the gym at lunchtime
    • Charge phone in work
    • Lots of crochet joining
    • Ebay one item
    • Free stretching video
    • No alcohol
    • No heating on
    Will add more as I go

    Have a good one all

    clf x
    Last edited by carrielovesfanta; 13-03-2017 at 11:16 AM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £8741.84
    • PurpleFairy26
    • By PurpleFairy26 13th Mar 17, 9:16 AM
    • 1,617 Posts
    • 10,962 Thanks
    PurpleFairy26
    • #6
    • 13th Mar 17, 9:16 AM
    • #6
    • 13th Mar 17, 9:16 AM
    Morning all thanks for starting us off determined your list sounds fab - am a tad jealous I have to work

    Lovely and sunny here, which is always good for the soul One load of washing out, another in and that will go out when its finished. My list for today:

    Check banking, update sheet
    Check surveys, FPL and £co
    Order a case for my new phone. Current one is failing, plus I cracked the screen. I've had it 4 years, so I can't complain. Got cheapest deal by a country mile by shopping around. Current provider couldn't match it (despite 3 calls). The change in my tax code next month should more than cover the extra £15
    Do something with DH for an hour - maybe pop to shop and get seed potatoes (oh how we roll )
    Meals from stores
    Use up more tea bags - all my 'normal' ones have now gone, so working my way through the rest
    Cooke bag of butter beans I soaked overnight. Make some beetroot hummus with some (must take beetroot from freezer) and I'll freeze the rest of the beans in portions.

    Think that's all for now, will check back later. Purps.
    Last edited by PurpleFairy26; 13-03-2017 at 9:32 AM.
    • carrielovesfanta
    • By carrielovesfanta 13th Mar 17, 9:41 AM
    • 1,157 Posts
    • 8,169 Thanks
    carrielovesfanta
    • #7
    • 13th Mar 17, 9:41 AM
    • #7
    • 13th Mar 17, 9:41 AM
    Morning all thanks for starting us off determined your list sounds fab - am a tad jealous I have to work

    Lovely and sunny here, which is always good for the soul One load of washing out, another in and that will go out when its finished. My list for today:

    Check banking, update sheet
    Check surveys, FPL and £co
    Order a case for my new phone. Current one is failing, plus I cracked the screen. I've had it 4 years, so I can't complain. Got cheapest deal by a country mile by shopping around. Current provider couldn't match it (despite 3 calls). The change in my tax code next month should more than cover the extra £15
    Do something with DH for an hour - maybe pop to shop and get seed potatoes (oh how we roll )
    Meals from stores
    Use up more tea bags - all my 'normal' ones have now gone, so working my way through the rest
    Cooke bag of butter beans I soaked overnight. Make some beetroot hummus with some (must take beetroot from freezer) and I'll freeze the rest of the beans in portions.

    Think that's all for now, will check back later. Purps.
    Originally posted by PurpleFairy26

    PF - what's your beetroot hummus recipe please?
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £8741.84
    • ziggy2407
    • By ziggy2407 13th Mar 17, 10:40 AM
    • 2,819 Posts
    • 20,927 Thanks
    ziggy2407
    • #8
    • 13th Mar 17, 10:40 AM
    • #8
    • 13th Mar 17, 10:40 AM
    Good Morning All

    DNMS - Thanks for starting us off today, hope we get to see some pics of your "can o worms"

    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.

    The sun's shining again here and that definitely lifts the spirits, so little list

    Packed lunch for DH & DS - Done
    Check Bank - Done
    Filing & shredding -
    Ironing - 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
    Last edited by ziggy2407; 13-03-2017 at 3:12 PM.
    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)
    • PurpleFairy26
    • By PurpleFairy26 13th Mar 17, 12:09 PM
    • 1,617 Posts
    • 10,962 Thanks
    PurpleFairy26
    • #9
    • 13th Mar 17, 12:09 PM
    • #9
    • 13th Mar 17, 12:09 PM
    CLF

    Here:

    http://pinchofnom.com/recipes/syn-free-beetroot-mint-hummus-slimming-world/

    I haven't made it yet, but it looks lovely. I'll let you know
    • ClootiesMum
    • By ClootiesMum 13th Mar 17, 12:16 PM
    • 1,475 Posts
    • 9,948 Thanks
    ClootiesMum
    Thanks for the start DNMS and good luck to everyone with their plans.

    With you on the sleep interruptions Ally - managed about 2 x 3 hrs at a time last night - today will be brought to you by matchsticks & coffee

    Any wee list planned for today:-
    • To apply for a couple of jobs for DH
    • Need to dye hair (dye already in) & de-fuzz legs & facial bits
    • Wee shopping list - once done will not need to go out again this week
    • Need to look again to organize flights & car hire for next week's funeral. There is a flight down & back in the one day from Glasgow but if brother decides at the last minute to have a cup of tea after the crem then we'll miss the flight. But I couldn't not go to see him - decisions to be made.
    • Have set up daily health supplements in daily pill containers (all already in the house & they might help me). Basic ones - cod liver oil, Vit C, sea kelp and the last of 1 a day vit capsules (these will not be replaced)
    • Tidy through & clean house with damp cloths & bleach (don't like Stardrops on the tiles as it seems to make them sticky)
    • Washing needs to be done too
    • Make Fake Tomato soup for tomorrow's lunch

    And that will be enough for me

    Have a good day y'all - catch up tonight

    • angelpye
    • By angelpye 13th Mar 17, 12:58 PM
    • 995 Posts
    • 3,627 Thanks
    angelpye
    Hi all,

    Today I am not feeling motivated at all! Probably because even though I woke early I laid in bed refusing to admit the day had started and was too late for a shower before school run and my 'routine' is not out of kilter!

    Today:
    *Washing mountain - ready to hang out in the sun. Put dry clothes away.
    *All food from home
    *Tidy kitchen re fly lady thread
    *Make a list to organise this weeks work
    *Check YNAB - done and nothing exciting happening although on target
    *Order raspberry canes - everything in virtual basket but finding it hard to pay as the urge to not spend is high, but would be nice for DD so will spend
    *Meal plan this week from big month meal plan.

    Anyone ever used 'strultch'? It is a mulch that apparently slugs hate. Wondering whether I need any for raspberries as the little blighters are like an army round here and have destroyed everything I have tried to grow previously. I am buying Autmun Bliss which are apparently a little prickly so hoping that would put them off?

    Hope you all have a good day and those who need it are able to get a rest or early night 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
    • allydowd
    • By allydowd 13th Mar 17, 1:14 PM
    • 3,755 Posts
    • 23,308 Thanks
    allydowd
    Walked into the kitchen on the first sunny morning of the year....oh my what a mess it's in! Have started cleaning and tidying it cupboard by cupboard. Kinda-Konmari method. It's my fault for leaving DW to do kitchen duty since Sept.

    * Recycled 20 plastic water bottles...where did they come from?

    * Making a bag to go to the charity shop. Already full.

    * We have 5 tubs of hot chocolate....and 4 lots of artificial sweetener. Won't be buying those for a while.

    * 15 empty craft beer bottles can go on eBay.

    * Tuppereware-esque boxes in a muddle.

    ....still going...
    Last edited by allydowd; 13-03-2017 at 1:21 PM.
    Debt-free day: 8th May 2015
    The Joy Account: £3500
    Survey Rewards 2017: £64
    Swim for Sanity: 1810m
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • 1LuckyLady
    • By 1LuckyLady 13th Mar 17, 1:38 PM
    • 422 Posts
    • 4,345 Thanks
    1LuckyLady
    Afternoon all,

    Thanks for the start DNMS.
    Angel, we have major slug issues here, so I'd be happy to hear about solution's as I gave up trying to grow anything!

    Todays list
    * Free breakfast at school for the kids
    * Gym session done to make the most of my membership (also filled water bottle there)
    * Brunch from stores, egg on toast
    * Cleaned out the shower room - mse because its left me with a clearer idea of what we have left and I know what I do and don't need to be buying. In the past we'd pop to the shop and buy things as we didn't know if we had spares etc. The use ups are going well and a bathroom cleaner spray that I'd claimed when a tenant moved out ages ago is now finished Cleaned out the shower room & bathroom sink plugs (plunger type plug holes) got some ys wooden bbq skewers out of the garage to get rid of some of the gunk
    * Washed 2 loads on quick 30 degree loads and both out on the line to (hopefully) dry
    * Slow cooker on with the bones from yesterday's chicken and all the peelings to make a stock to then make into a soup
    * Sorted out medicine boxes again so I know what we have (I definitely don't need add any painkillers to the list for a long time as I have 12 packets of supermarket own brand ibuprofen in the cupboard!)

    Still to do
    * Check banking/update spreadsheets
    * Check fpl/luckyphone/numberplate
    * Record car mileage
    * Clean kitchen using stardrops
    * Run dishwasher on quick wash
    * Prep tea, going to have bbq pepperoni chicken pasta bake
    * Make families lunches for tomorrow
    * De junk email accounts

    Sure there's more but it will do for now as I've finished my cuppa and I only have a hour left before the school run!

    Have a good week all.
    Last edited by 1LuckyLady; 13-03-2017 at 5:45 PM.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • carrielovesfanta
    • By carrielovesfanta 13th Mar 17, 1:41 PM
    • 1,157 Posts
    • 8,169 Thanks
    carrielovesfanta
    CLF

    Here:

    http://pinchofnom.com/recipes/syn-free-beetroot-mint-hummus-slimming-world/

    I haven't made it yet, but it looks lovely. I'll let you know
    Originally posted by PurpleFairy26

    cheers PF!
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £8741.84
    • Bobarella
    • By Bobarella 13th Mar 17, 1:41 PM
    • 10,542 Posts
    • 67,779 Thanks
    Bobarella
    Hi All

    Have fun at the allotment Determined what a pain Ally and Clootiesmum coffee is your friend, but only Ground fresh Arabica beans, according to us coffee heads

    So far today

    * Our heating is now off again until next winter. Very pleased about that as our monthly bills will now return from £95 for gas/elec combined to £56.

    * Because I worked at an event yesterday I came home with a lot of food, so I did a fridge review first thing, meal planned for the week and wrote a very short shopping list.

    * Because I spent the morning cleaning I didn't have time to go to the big Mr S as usual, but as my shopping list was very short I decided we'd go to the Mr T metro near our house instead. Took 5 wombled receipts to add on, totalling 30 point. Whilst there got a pack of YS meatballs with 53p off. I had mince on my shopping list so will just use them instead.

    * Logged my receipt in spends and the shopping budget, then did the customer service survey you can do once a month for 25 points.

    * Cleared the shredding basket today.

    * Hoovered whole house.

    * Checked drier for dry washing and packed away.

    * Checked banking

    * Tried to call the company I want to set up a third account with for Christmas/holiday/car savings but their systems were down.

    * I brought home last night all the tail end loo rolls from work. They look horrible in a customer bathroom, but fine for us to use up.

    * Put a library book in the buggy basket to remind me to take it back next time I'm that way.

    * Decided what to use my £30 tip on from yesterday's event.


    Not a bad start to the week.

    Bob
    Last edited by Bobarella; 13-03-2017 at 1:45 PM.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £53.62 2016-£62.28 2015- £84.20)
    RYSAW17 £1805.58 2016 £2,535.16 2015 £1027.20
    • natlie
    • By natlie 13th Mar 17, 1:46 PM
    • 1,185 Posts
    • 4,693 Thanks
    natlie
    Hello,

    I have started my journey to summer body. I weight lift and bulk in the winter now on to cutting - I'm trying to ignore food and food related subjects but my diet will be minimal for the next few weeks - except on lifting days

    My list is long so just some urgent things

    I need to post ebay's I sold on the weekend only made £11.50 but 4 items gone from the pile hooray
    Money situation not good, I am now owed £680 in outstanding invoices eeek and I have 2 more big buffets to cater this week
    Been to the gym and cycled to work and logged my rides as its cycle to work week and there is a linked comp to win a holiday to Cuba and cycling goodies
    Sent off work expenses £32
    withdrew cash from PayPal
    Updated to do list
    Put dishes and laundry on before I left this morning

    Nat
    First Debt Free Date: July 2014

    Currently working on my second Debt Free Date
    • carrielovesfanta
    • By carrielovesfanta 13th Mar 17, 2:03 PM
    • 1,157 Posts
    • 8,169 Thanks
    carrielovesfanta
    RE: Slugs


    I have a right nightmare with them. But, when I keep on top of them, it's ok (I just get lazy/distracted/unwell and don't continue).


    My fave weapons:
    The beer trap is a little pricey but easy to fill, clean, move and empty unlike yogurt pots/beer cans. It also has a lid so the rain doesn't get in. Am sure you could cobble together a MSE version though.


    HTH
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £8741.84
    • crazy_cat_lady
    • By crazy_cat_lady 13th Mar 17, 2:06 PM
    • 3,798 Posts
    • 26,638 Thanks
    crazy_cat_lady
    Afternoon all
    Well, the headache has returned. I feel less stressed at work than I have done in years but I'm constantly with a headache now. I'm trying to make sure I stay hydrated, and cut right back on carbs and sugar in case that is contributing.
    Certainly it makes a difference getting up when it's light, and the sun shining all day - even though I am at work. There won't be lots of mse as I'm busy (as usual).
    I have checked my bank and made a little PAD
    Brought in lunch from home
    Turned the thermostat right down on the heating
    Stayed on top of my workload here
    Planned dinner for tonight
    Usual minimal housework
    That's it for now - not much to report.
    NST May #13 NSD 7/16 RYSAW17 #1 £412.74 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • La escocesa
    • By La escocesa 13th Mar 17, 2:20 PM
    • 2,776 Posts
    • 17,423 Thanks
    La escocesa
    Hi everyone

    A brand new shiny week… One step closer to debt-freeness.

    I’ve been having a big internal dialogue about credit cards and which ones to pay off first. Think I’ll do smallest balance first. The 0% period will run out on the highest balance card before we can pay it off (£4300 for the car loan; 0% until Nov 2017) but with fewer cards to deal with it will be better. Then there is OH’s card. He has £1000 at 0% for 18m so do we set it up to pay £55 a month for the full period or just pay the min and include it with ‘my’ snowball… I know it’s all the one pot but in some ways it feels better to keep them separate…If we set his up to clear within the 0% period then we don’t need to think about it again

    OH signed up for an ISA today – just a £10 a-month, but every little helps. Also comes with £100 cashback.

    I need to update YNAB – few bills came out today – CC payments and net flix
    Asked a pal if she fancies a free concert tonight (show film first). If so it will be £2 for booking fee, £4 for travel and then probably two drinks…If she doesn’t fancy it I won’t go either.
    Packed brekkie & lunch for work for me and OH (overnight oats and soup plus a sarnie for OH)
    Continue sorting the house tonight – quick load in the WM, put away dry clothes, take out some recycling, clean bathroom
    I MUST NOT BUY YARN so I can’t continue with latest project – need to finish sorting the house first…
    Text pal about the weekend
    Use a spare folder lying around rather than buying stationery I don’t need
    Read free ebook
    Batch cooking chilli – bulk out with grated carrot. Will have with rice tonight and baked potatoes another night.

    Happy Monday!
    • carrielovesfanta
    • By carrielovesfanta 13th Mar 17, 2:46 PM
    • 1,157 Posts
    • 8,169 Thanks
    carrielovesfanta
    I MUST NOT BUY YARN so I can’t continue with latest project – need to finish sorting the house first…
    Originally posted by La escocesa

    Tis a fine goal to be sure
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £8741.84
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,851Posts Today

4,592Users online

Martin's Twitter
  • Just leaving Manchester after the funeral of my beloved grandma Gladys who passed away last night. https://t.co/nuC9ry5mP6

  • The strange thing with a 4yr old is having to play & smile while inside feeling sick for those in trauma in my birth town #Manchester

  • Just a quick ta-ta for now. I'm taking the week off for family time with mini and Mrs MSE. So I won't be here much. Back after the bank hol

  • Follow Martin