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  • FIRST POST
    • determined new ms
    • By determined new ms 15th May 17, 6:59 AM
    • 6,437Posts
    • 36,735Thanks
    determined new ms
    What small DFW things will you do this week? W/C 15 May
    • #1
    • 15th May 17, 6:59 AM
    What small DFW things will you do this week? W/C 15 May 15th May 17 at 6:59 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 £2874.33 Roadkill £28.25
    Wombling YTD £2839.06/Roadkill £8.58
    SFDs Sept 6/18 CC saved £2372.50 Veg grown £376.20
Page 3
    • Baileys Babe
    • By Baileys Babe 17th May 17, 11:13 AM
    • 2,182 Posts
    • 10,340 Thanks
    Baileys Babe
    Morning

    I have ben keeping the DFW faith over the last few days and reading along, but not finding the time to post.

    Today:
    Open all curtains fully to make the most of the natural light
    LSD
    Turn off lights and appliances not in use
    B & L from stores, I plan to buy naan bread from the Naan bakery to go with the chana marsarla I made yesterday, that will be mine and ds' dinner, dd will have something out of the freezer
    May go shopping, if I do I'll stick to the list
    May be helping my sister move, if we do pack plenty of snacks for everyone
    Educate children for free
    Entertain us for free
    Arrange house insurance, due to our house being built of non standard construction we can't use the online comparison tools, we need to use a broker, so no cash back but we are properly covered if we ever need to claim
    Read weekly email done
    PAD done
    FPL, Ashleigh etc
    Make a batch of porridge
    Use UHT milk (this was given to me by a friend who bought semi instead of her usual skimmed) in porridge so I can keep fresh milk for the children to drink, including my nephews and niece when they visit
    Set dw to run overnight
    Set wm to run overnight
    Dry washing on the airier

    Tidy house = tidy mind:
    Keep kitchen table clear
    Clear worktop, lots of equipment has been left out, waffle maker etc
    Clean hob (naughty BB I should of done this yesterday as soon as I had finished cooking, instead I sat down with a pot of tea and had a chatted to BIL)
    Delete 100 emails
    done

    Ideally I would like to spend some time sorting out one of our rooms which has turned into a dumping ground


    Apr '17 GC £280/117.17(overspend March) +
    Jan - Mar '17 GC £910/1027.17
    • DawnW
    • By DawnW 17th May 17, 6:31 PM
    • 4,497 Posts
    • 34,350 Thanks
    DawnW
    Evening all
    It has been pouring with rain all day, not stopped once
    Looked after GD all day, and it has been hard to entertain her totally indoors - we did venture out to jump in puddles for about 20 minutes this morning, but she got drenched as she wouldn't use her umbrella, or stay under mine!
    So, not much achieved today:
    Quick tidy up first thing
    Dog refused to walk - he doesn't 'do' rain!
    Got some ebay parcels ready to post, but didn't manage to get to the post office
    Not spent anything
    Made scones with GD, she had her own piece of dough and used her animal cutters I made 'normal' ones for us. GD ate all of hers
    Had bolognese left over from the night before last for dinner
    Managed a Yougov survey, getting close to payout on that one now
    Grocery spends for September £143.05 / £160.00 (includes milkman's bill)
    SFDs for September 5/18
    • nikongirl
    • By nikongirl 17th May 17, 7:25 PM
    • 149 Posts
    • 180 Thanks
    nikongirl
    Yesterday I paid off a debt I'd been paying in £40 instalments since 2009. There was £322 left and (thanks to a little push from my mortgage broker!) I just rang them and paid the lot.

    This week I've also (finally) sent a box of stuff to music magpie (£9.20), sold a bag for £60, withdrew my matched betting funds (£160) and requested a withdrawal from my Quidco account for a grand total of... £1.24.
    Last edited by nikongirl; 17-05-2017 at 7:26 PM. Reason: Removing emojis!
    • Happy Kitties
    • By Happy Kitties 17th May 17, 9:11 PM
    • 282 Posts
    • 2,421 Thanks
    Happy Kitties
    That's brilliant news nikongirl on paying off the debt, I bet it's a relief and you'll have that extra money now for you.
    Today has been a strange one.
    Had to do more cat cleaning, it seemed never ending and the hoover has started to pack up. Will have to look on ebay for a reconditioned pet one-esp with the cats. The last reconditioned hoover I got off there was absolutely brilliant, well worth the money.
    I haven't managed to get my paperwork done but did post final ebay parcel.
    It has also been abit of a spendy day. Popped into the next town to visit M&S, a real treat. I had a money off voucher and I stacked their latest grill offer to get more discount off. I keep the wine for presents.picked up a couple of things my DD wanted and a couple of bits for DM. Also managed to get some YS bargains there so fridge and freezer are full, plus had to put bits in my DM freezer. A family member might pop over to stay on the bank holiday Monday so there is meat in ready from the grill offer.
    Coming to the end of my set grocery challenge target for this month but only really need cat food and cat litter so should just do it.
    At some point I really need to tackle mount ironing everest especially as I managed to get more washing line dried today.
    I hope everyone has had a good day x
    2017 birthday savings so far thru shopping frugally = 228.72 284.31 306.81 481.15:money.
    April grocery challenge £171.21/ £200 May GC £248.47/£190 June GC £87.69/ £190
    • FatVonD
    • By FatVonD 17th May 17, 10:24 PM
    • 4,806 Posts
    • 18,718 Thanks
    FatVonD
    Evening all, what a wet day it has been!

    I've been reading up on what the yellow spots on the leaves of my courgette plants could be and it could be some sort of deficiency so I went out and fed them with tomato food, in the rain, my neighbours must think I'm bonkers

    I didn't have time to put the curry in the slow cooker this morning so planned to cook it on the hob but just didn't fancy it which was probably just as well as the turkey smelt a bit funny so ended up in the bin.

    It was a bit of a faff but I made a roast instead using the YS roast beef, it was bloody lovely! I was really fancying a roast and what with being drenched and DSGF has a cold and also got drenched it seemed like the perfect comfort food.

    Apart from cooking, which I *wanted* to do I have given myself the night off. I seem to have spent weeks sorting stuff and doing stuff and tonight I'm just going to ignore it all and not feel guilty

    Have a good evening everyone
    Lunches brought to work in September 6/20 Money saved to date £13.07 (compared to spending three pounds on a meal deal.)

    Make £10 a day in September £349.40/300 (August£223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • determined new ms
    • By determined new ms 18th May 17, 7:10 AM
    • 6,437 Posts
    • 36,735 Thanks
    determined new ms
    congratulations nikongirl it must be a relief it's weird though coz once it's done, it's done! Time moves on, I don't even think about getting df now (either times!) you spend so much of your life geared up for it and then it's just done

    HK who'd of known having cats is such hard work???!

    well back to work today man I wish my life meant I didn't need to work!

    I intend to keep costs as low as possible but need to nip to the sm for milk.

    Will put out plants to harden - planning to plant them up at the weekend. FVD courgettes are pretty hardy so just cut off the leaves that look dodgy as soon as you plant it out it'll be ok.

    quick shower - opps time is ticking on!

    grab something for my lunch - hm hummus & salad pita today mmmm. I think I finally cracked hummus and made my best one ever yesterday

    feed the worms - must do this!

    check through seed tray and sow a couple of things. Also still need to pot on a few plants. Hopefully I'll have the energy tonight. Finally have got oh on board with being tidy so hopefully the house won't be such a slog anymore (he's much better at tidying up than I am! )

    ok nothing earth shattering! Have a great day x
    DF as at 30/12/16
    Wombling '16 £2874.33 Roadkill £28.25
    Wombling YTD £2839.06/Roadkill £8.58
    SFDs Sept 6/18 CC saved £2372.50 Veg grown £376.20
    • Julie67
    • By Julie67 18th May 17, 8:09 AM
    • 2,344 Posts
    • 21,245 Thanks
    Julie67
    Good morning all,

    Great news nikongirl well done. I'm currently organising our dmp and working towards paying the first full and final settlement.
    We are also growing courgettes. We like the golden ones and always have a great crop. I put them in everything, inlcuding chocolate cake, delish.
    Also growing french beans, beetroot, salad leaves, strawberries and raspberrys. We used to grow even more but have scaled it back this year as we are getting ready to put the house on the market.
    I'm hoping for a more restful day today. I never stopped yesterday having said that here is todays list!
    -check bank
    -Move money from Paypal
    -Buy wrapping paper and card for DD wedding on Sunday
    -Pick up Printing paper
    -Nip to local town for June Birthday cards
    -pick up milk
    -Call in my charity shops

    Not much then! tea tonight will be home made oven chips, fish fingers and mushy peas.
    Have a great Thursday x
    Started Self Managed DMP 10th May 2017.
    Working hard to get rid of our debt.
    • DawnW
    • By DawnW 18th May 17, 11:12 AM
    • 4,497 Posts
    • 34,350 Thanks
    DawnW
    Morning all
    Up and about quite early this morning, I have already been to the neighbouring town to their excellent market to buy vegetables for the week, bread etc, posted a couple of ebay parcels, sold 2 additional items and listed 3 new ones

    Still to do:
    Hair appointment at lunchtime, not moneysaving, but I hate my hair when it needs cutting! I only have it wet cut in a local salon, so it doesn't break the bank, but it drives me mad if I don't have it done every 6 weeks or so
    HM meals, we have Thai chicken curry again tonight
    Cut some salad leaves, I have tonnes ready in pots in the garden - needless to say I didn't buy any lettuce! Not that it is lettuce, as that hasn't grown very well so far, but plenty of rocket and mizuna leaves
    Do some housework, stairs look awful
    Anything that needs doing in the garden - won't be watering after a whole day of heavy rain yesterday!

    Julie67, congratulations to your DD on her wedding
    Hope everyone is having a good day - sunny here so far
    Grocery spends for September £143.05 / £160.00 (includes milkman's bill)
    SFDs for September 5/18
    • katy_ann
    • By katy_ann 18th May 17, 12:02 PM
    • 998 Posts
    • 5,288 Thanks
    katy_ann
    Afternoon everyone! Was up early with LO so went for a walk into town with my SIL and the kids, it killed me but I need to loose this baby weight some how! Other than that ill be:

    - Check banking
    - Quick house tidy
    - Eat healthily from home
    - Swagbucks
    - Re list EBay item where buyer did not pay

    I think that's me x
    Officially Debt Free on 10/12/2015 | Married on 02/07/2016
    Little Man Born on 25/11/2016
    My Diary - The Diary Of A Skint New Mummy....

    £2 Savers Club 2017 No.4
    • FatVonD
    • By FatVonD 18th May 17, 1:04 PM
    • 4,806 Posts
    • 18,718 Thanks
    FatVonD
    Thanks, DNMS, I've spotted some powdery mildew on a couple of leaves too, I've sprayed them but I think a haircut is in order!

    My lunch made it to the morning intact so I have YS spinach and pine nut pasta for lunch.

    I bought a weekly train ticket today as I'm trying to put off buying another monthly until I've been paid so I'm not tempted to put it on a credit card.

    I spent my time on the train this morning productively by making some lists for the weekend. I'm also going to make some more room by room of what needs doing. I'm really impatient and also a perfectionist and I always want everything to be just right, right now (which results in every room being in an unfinished state.) Realistically I have the rest of my life to get the house sorted so I need to just slow down and do one room at a time properly.

    The weight of yesterdays rain has made quite a few branches hang really low in the front garden, it was like an obstacle course trying to get out this morning! That needs to be dealt with this weekend though annoyingly my brown/garden refuse bin wasn't emptied this week.

    I will pop to the YS run to see if there's anything that would be good for dinner. I have some Indian snacks, yoghurt and mint sauce I'd bought to go with curry yesterday so maybe a buffet might be in order.

    Have a good day all
    Lunches brought to work in September 6/20 Money saved to date £13.07 (compared to spending three pounds on a meal deal.)

    Make £10 a day in September £349.40/300 (August£223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • FatVonD
    • By FatVonD 18th May 17, 1:09 PM
    • 4,806 Posts
    • 18,718 Thanks
    FatVonD
    I am an idiot, the bins get collected today
    Lunches brought to work in September 6/20 Money saved to date £13.07 (compared to spending three pounds on a meal deal.)

    Make £10 a day in September £349.40/300 (August£223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • DawnW
    • By DawnW 18th May 17, 1:39 PM
    • 4,497 Posts
    • 34,350 Thanks
    DawnW
    Thanks, DNMS, I've spotted some powdery mildew on a couple of leaves too, I've sprayed them but I think a haircut is in order!
    Originally posted by FatVonD
    Take care FVD, it is early for powdery mildew, and many courgette varieties naturally have whitish blotches on their leaves.
    Grocery spends for September £143.05 / £160.00 (includes milkman's bill)
    SFDs for September 5/18
    • FatVonD
    • By FatVonD 18th May 17, 1:57 PM
    • 4,806 Posts
    • 18,718 Thanks
    FatVonD
    Ah, right, thanks, Dawn, I'll hold fire for a bit, if it is then it's been sprayed anyway so hopefully that will take care of it.

    In other news, one of my cats has taken to pooing upstairs, twice on the landing and last night on the bathroom rug. I'm going to have to put a litter tray up there. It hasn't happened every night but quite often we leave the back door open at night anyway. They have a cat flap at the front but I think the fat one may be getting a bit stiff and old as she doesn't like using it.

    The bathroom mat went straight in the bin
    Lunches brought to work in September 6/20 Money saved to date £13.07 (compared to spending three pounds on a meal deal.)

    Make £10 a day in September £349.40/300 (August£223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • Twins
    • By Twins 18th May 17, 3:07 PM
    • 266 Posts
    • 1,175 Thanks
    Twins
    Hello everyone

    Julie, congrats on your DD's wedding! How exciting!
    nikongirl - Fab news on paying off your debt, such a relief


    I've been running around this morning. DS had another external exam at 9am so was off out taking him to the exam centre. I popped into Tesco nearby and picked up some eggs, floor cleaner and bread.

    Rest of today looks like this:

    - Write to 2 creditors to issue a complaint about not adding a correct default date to my accounts - done
    - Pop to post office and post eBay parcel - done
    - Return bikini I bought to Tesco's - done
    - All meals from home
    - Get onto Swags and complete some surveys
    - Sainsbury's added £5 onto my Nectar card after I made a complaint about finding a hair in my coleslaw... freshly opened pack as well!
    - Washing on and drying outside - done
    - Home weights workout - done
    - Might go for walk later around the park if the rain holds off

    That's it folks, have a good one!
    LBM April 2011 Debt £30,800 now in DMP land
    Self Managing my DMP May 2017

    Slowly chipping away at my debts: April 17 £17,388 June 17 £11,268.06
    Debt free date: Jan 2023 Dec 2022. April 2019 I will be free
    £2 Savers club #39
    • crazy_cat_lady
    • By crazy_cat_lady 18th May 17, 5:51 PM
    • 3,329 Posts
    • 28,597 Thanks
    crazy_cat_lady
    Evening all
    I'm so tired. And boring. Because all I ever do is post on here about how tired and busy I am. Sorry.
    It was the first chemistry exam today. Thankfully most of the kids thought that it was ok so that's a bit of a relief - 2 more to go.
    I really, really need an early night tonight - I'm worn out.
    Small spend because we needed milk and veg. Other than that I'm working hard, doing a tiny bit of housework and spending way too much money on things to save me time (I even paid for the vet to come to us on Wednesday because I was too busy to go). I'm embarrassed because this is meant to be a money saving forum...
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • DawnW
    • By DawnW 18th May 17, 6:25 PM
    • 4,497 Posts
    • 34,350 Thanks
    DawnW
    You have to do what you have to do CCL, been there and done that
    But the summer holidays are approaching
    Grocery spends for September £143.05 / £160.00 (includes milkman's bill)
    SFDs for September 5/18
    • Twins
    • By Twins 18th May 17, 6:55 PM
    • 266 Posts
    • 1,175 Thanks
    Twins
    Evening all
    I'm so tired. And boring. Because all I ever do is post on here about how tired and busy I am. Sorry.
    It was the first chemistry exam today. Thankfully most of the kids thought that it was ok so that's a bit of a relief - 2 more to go.
    I really, really need an early night tonight - I'm worn out.
    Small spend because we needed milk and veg. Other than that I'm working hard, doing a tiny bit of housework and spending way too much money on things to save me time (I even paid for the vet to come to us on Wednesday because I was too busy to go). I'm embarrassed because this is meant to be a money saving forum...
    Originally posted by crazy_cat_lady
    Don't worry about moaning CCL... we all go through period of feeling like that. My DS had his re-sit of Chemistry today (he's re-sitting last summers sciences so he can try and get a better overall grade to go towards his A Levels). It's all so stressful for all involved.
    Hope you get to enjoy some relaxation time in tonight x
    LBM April 2011 Debt £30,800 now in DMP land
    Self Managing my DMP May 2017

    Slowly chipping away at my debts: April 17 £17,388 June 17 £11,268.06
    Debt free date: Jan 2023 Dec 2022. April 2019 I will be free
    £2 Savers club #39
    • FatVonD
    • By FatVonD 18th May 17, 9:49 PM
    • 4,806 Posts
    • 18,718 Thanks
    FatVonD
    Evening all
    I'm so tired. And boring. Because all I ever do is post on here about how tired and busy I am. Sorry.
    It was the first chemistry exam today. Thankfully most of the kids thought that it was ok so that's a bit of a relief - 2 more to go.
    I really, really need an early night tonight - I'm worn out.
    Small spend because we needed milk and veg. Other than that I'm working hard, doing a tiny bit of housework and spending way too much money on things to save me time (I even paid for the vet to come to us on Wednesday because I was too busy to go). I'm embarrassed because this is meant to be a money saving forum...
    Originally posted by crazy_cat_lady
    All I ever post about is what I'm eating

    And you do what you have to do (take it from the lady who paid to get the ironing done ) it is bloomin' tough running a home and family as well as doing a full time job. I have the perfect meme which will be winging its way to you shortly
    Lunches brought to work in September 6/20 Money saved to date £13.07 (compared to spending three pounds on a meal deal.)

    Make £10 a day in September £349.40/300 (August£223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • Happy Kitties
    • By Happy Kitties 18th May 17, 10:23 PM
    • 282 Posts
    • 2,421 Thanks
    Happy Kitties
    Had a busy day doing housework. Did some ironing, still have 2 mount ironing everests but if I get a bit more done this weekend things should look a bit better. My problem is I leave things to stack up until it just becomes ridiculous
    I did a FVD . Went to M@rrisons to get cat litter and cat food.ended up with 2 pks of pikelet's and a pack of crumpets for my mum-9p each
    Also 3 packs of petite filous (despite being 18 DD loves these, 3 pots at a time)-19p each
    Colour hair conditioner for DD-1.50 instead of 7.00,and some beef steaks down to 1.90
    Freezer is definately full to bursting now.
    We had really good news about mssing kitty now home from the vets, they are really pleased with her, intestinal swelling has gone down and weight has increased. Just need to take her for the next 2 weeks to the nurses clinic for a B12 injection just to help with absorption but couldn't believe the difference in her
    FVD is something stressing out the older cat to make her mess? When missing kitty came home, the youngest of the family (built like a tank but a complete chicken) thought we had a new cat in the house and started to stress and mess.
    CCL ur not boring, moan away. I agree with the other posters, u r doing the best that u can, u love cats and have a naughty torty......definately not boring!!!! My DD is also doing her Chemistry resit!
    Must get some paperwork done tomorrow, have a meeting in the middle of the day.
    Off to bed for me x
    2017 birthday savings so far thru shopping frugally = 228.72 284.31 306.81 481.15:money.
    April grocery challenge £171.21/ £200 May GC £248.47/£190 June GC £87.69/ £190
    • FatVonD
    • By FatVonD 18th May 17, 11:25 PM
    • 4,806 Posts
    • 18,718 Thanks
    FatVonD
    HappyKitties, no more stress than usual, her sister hates her and rules the roost but this one's so laid back she's practically comatose.

    She's never been keen on the cat flap, for weeks after putting it in she would still be trying to get us to let her out of the window plus, when she had her lump I think that made it an even tighter squeeze.

    We have a covered litter tray in the back garden (cat flap is in the front door and front garden is bigger and more 'garden' like) as it's all paved out there and she likes to use that but there's no cat flap at the back as its a glass door but the door is mostly open.

    I'm not absolutely sure it's her doing it and not stroppy cat though stroppy cat has no trouble with the cat flap and is often outside (stroppy cat is so smart she probably could have fitted the cat flap )

    Anyhow, I have filled a washing up bowl with cat litter and left it in the bathroom so we'll see what happens tonight. I may have to go back to having an indoor litter tray.
    Lunches brought to work in September 6/20 Money saved to date £13.07 (compared to spending three pounds on a meal deal.)

    Make £10 a day in September £349.40/300 (August£223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
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