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  • FIRST POST
    • katy_ann
    • By katy_ann 12th Jun 17, 8:19 AM
    • 998Posts
    • 5,288Thanks
    katy_ann
    What small DFW things will you do this week? w/c 12/06
    • #1
    • 12th Jun 17, 8:19 AM
    What small DFW things will you do this week? w/c 12/06 12th Jun 17 at 8:19 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
    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
Page 1
    • katy_ann
    • By katy_ann 12th Jun 17, 8:21 AM
    • 998 Posts
    • 5,288 Thanks
    katy_ann
    • #2
    • 12th Jun 17, 8:21 AM
    • #2
    • 12th Jun 17, 8:21 AM
    Morning all I'm starting my week off with positive vibes after not being around for sometime! My list for today is:

    - Take DS to library for rhyme time class
    - Mr A shop coming between 1-2
    - Post parcel at post office
    - Hoover living room
    - All meals from home
    - NSD

    That's it for the moment! Have a fab week all! 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
    • ziggy2407
    • By ziggy2407 12th Jun 17, 8:41 AM
    • 2,886 Posts
    • 21,485 Thanks
    ziggy2407
    • #3
    • 12th Jun 17, 8:41 AM
    • #3
    • 12th Jun 17, 8:41 AM
    Good Morning All

    katy_ann - Thanks for starting us off today!

    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.

    Rain here and very grey, so it's another boring list from me:

    Packed lunch for DS - Done
    Check Bank & make PAD - Done
    RM Surveys - Done
    Appointment at 11am (me) - Done
    Continue purge on emails -
    Enter a few comps -
    All meals from cupboards/fridge/freezer -
    Check: Ashleigh, Numberplatelotto, FPL -

    Have a great day all!

    C x
    Last edited by ziggy2407; 12-06-2017 at 3:52 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)

    Make £5 per day in August 2017: £330.33/£155
    • FatVonD
    • By FatVonD 12th Jun 17, 9:24 AM
    • 4,669 Posts
    • 17,848 Thanks
    FatVonD
    • #4
    • 12th Jun 17, 9:24 AM
    • #4
    • 12th Jun 17, 9:24 AM
    Morning all, brand new week!

    I have lunch and snacks with me, all YS from last night (including the lovely grapes I was after!)

    I need to pop into the bank to deposit the cash from stuff sold over the weekend.

    Transfer £10 from PayPal.

    Wrap and post book, didn't get around to doing it last night.

    Trip to bigger Mr T for cat food, onions and garlic.

    Leftover pasta for dinner.

    More washing, more washing up, same old, same old!
    Lunches brought to work in August 16/22 Money saved to date £34.98 (compared to spending three pounds on a meal deal)

    Make £10 a day in August £126.07/£310 (July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • allydowd
    • By allydowd 12th Jun 17, 10:20 AM
    • 3,825 Posts
    • 23,877 Thanks
    allydowd
    • #5
    • 12th Jun 17, 10:20 AM
    • #5
    • 12th Jun 17, 10:20 AM
    Hi June Joy-Seekers,

    Having a sofa day today.



    Debt Free-Nillionaire Continuity Plan Year Three:

    * Checked online banking for me and DW.

    * Keeping an eye on Broadband Allowance.

    * Bought DW a shiny thing yesterday on 0% credit card for loyalty reward and extra consumer protection. Will repay from Joy Fund today.

    * Argue with Quidco over declined cashback.

    * Registered for a TopCashBack account. Had enough of Quidco!

    * Cleared Desktop on PC. Made me feel much "lighter" to hide away my work files!

    * Shower using products gleaned from business trip hotel stay.



    Onwards and upwards.
    Last edited by allydowd; 12-06-2017 at 11:22 AM.
    Debt-free day: 8th May 2015
    The Joy Account: £2700
    Survey Rewards 2017: £100
    Swim for Sanity: 3700m
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • foxgloves
    • By foxgloves 12th Jun 17, 10:34 AM
    • 3,571 Posts
    • 17,118 Thanks
    foxgloves
    • #6
    • 12th Jun 17, 10:34 AM
    • #6
    • 12th Jun 17, 10:34 AM
    Morning all,
    I soooo need a good focused week this week, both for the money saving & to sort my head out. On today's list:
    *Clean house using minimal products & washable cloths.
    *Make tomorrow's packed lunch.
    *Wrap an ebay parcel & relist unsold stuff.
    *Rake over raised bed & plant out sweetcorn.
    *Tie in tomato plants & water greenhouse veggies.
    *Feed sourdough jar & plan when to attempt using for first loaf.
    *Do a bit of handwashing while windy enough to get it dry on line.
    *Continue running dehumidifyer to deal with horrible mess left by this weekend's Total Washing Machine Meltdown.
    *Cast on another pair of Christmas present socks. Darn in the loose ends on last pair & stash in presents box.
    *Sort out a small cash swap to keep budgets accurate.
    *Use-it-up.......mascara tube dunked in hot water yielded sufficient for another day of lashes. Finished off a tiny sample lipstick.
    *Stashed a few more good-sized jars ready for New Year's marmalade making. I made extra this year & sold the surplus. I could have sold double, so I'll be better prepared this time.
    Ok......must head off to find the chicken manure pellets (ooooh, the glamour of my life.....) & get that sweetcorn bed planted.
    Cheers all,
    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 instalment 2 = £360
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £235
    • determined new ms
    • By determined new ms 12th Jun 17, 10:54 AM
    • 6,346 Posts
    • 35,969 Thanks
    determined new ms
    • #7
    • 12th Jun 17, 10:54 AM
    • #7
    • 12th Jun 17, 10:54 AM
    Morning sorry I wasn't about last week. Was so busy the best I was doing was getting by! I'm working today but helpfully my calendar on my phone has wiped all of my appointments! I've contacted a client I know I had a meeting with this morning at 9 but she denies all knowledge so it hasn't been such a mad rush to get out of the house

    I'm so exhausted with everything I've been doing the last few weeks I really need some R&R now!

    Small things for the day:

    * make note of mileage
    * all meals from stores
    * keep on top of house - we had friends round for roast yesterday so did a mega tidy & I want to stay on top of it now!
    * water vegies in gh
    * meeting tonight 7.30-9 post election campaign
    * WFH for a couple of hours before going to meet clients - ah just had an email cancelling from the 1 person I knew I was meeting! Might be wfh all day now
    * have 1/2 hour in the hot tub we've purchased (opps big spend but we decided it was an early xmas present to each other ) great way to unwind!
    * pay cc statement in full

    Ok that's all I can think of right now! Happy Monday guys
    DF as at 30/12/16
    Wombling '16 £264.46 Roadkill £28.25
    Wombling YTD £2795.06/Roadkill £8.58
    NSDs Aug 3/15 CC saved £1802.50 Veg grown £376.20
    • mumofthetwins
    • By mumofthetwins 12th Jun 17, 11:21 AM
    • 836 Posts
    • 3,651 Thanks
    mumofthetwins
    • #8
    • 12th Jun 17, 11:21 AM
    • #8
    • 12th Jun 17, 11:21 AM
    Hi Guys .. after an amazing weekend away at a family wedding its time to get back on it.


    Today is
    Pack and send ebay stuff from last night
    do banking checks
    transfer PP money to bank and make a PAD
    pay money into account and clear my cc which we used at the weekend .. I paid for a few rooms so gained a fair few extra air miles
    tonight when I get in from work I need to tidy clean and hoover and fit some workouts in .. its weigh day tomorrow and im not looking forward to it after the weekend


    and I think between these and work that should be me sorted until around 10ish tonight when its time for peeps lol


    Lisa x
    This time I'm sticking with it !!

    May £264.56/£300 NSD lost track but much more than last month / 38 June £216.30/£300 NSD 15/30 July £120.21/£300 NSD 11/15 Aug £96.46/£300 6 NSD
    PAD
    June £3362.78 July £1803.88 Aug £1895
    • allydowd
    • By allydowd 12th Jun 17, 11:49 AM
    • 3,825 Posts
    • 23,877 Thanks
    allydowd
    • #9
    • 12th Jun 17, 11:49 AM
    • #9
    • 12th Jun 17, 11:49 AM
    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 )
    • Number Plate Lotto (Link) New to this list
    • OnePoll ( Link )
    • Quidco ( Link )
    • Reclaim PPI at no cost to yourself without using a claims company. ( 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 )
    • Tickety Split cheap train tickets (Link)
    • Toluna ( Link )
    • TopCashBack ( Link )
    • Wombling Guide (Link)
    • You Need A Budget site and App (Link)
    If any of the links are broken, let me know.
    Last edited by allydowd; 12-06-2017 at 11:52 AM.
    Debt-free day: 8th May 2015
    The Joy Account: £2700
    Survey Rewards 2017: £100
    Swim for Sanity: 3700m
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • PurpleFairy26
    • By PurpleFairy26 12th Jun 17, 1:09 PM
    • 1,775 Posts
    • 11,977 Thanks
    PurpleFairy26
    Afternoon all why is life so busy I seem to meet myself coming back at the moment. Not helped by being struck down with food poisoning at the weekend. Totally wiped me off my feet. Managing to WFH today and tomorrow, hopefully that will do the trick. Not much spending going on, but trying to keep the faith
    Water veggies if need be later, very windy here
    Washing out to dry
    NSD
    Message fleabay person to explain why their parcel hasn't been posted.
    Do an invoice for another that wanted to buy a second item but didn't bid on it !
    Something from freezer for smalls for tea
    Check banking, update sheets
    Check surveys, FPL
    Cashed out £co

    Enjoy your tub determined sounds like a perfectly sensible purchase to me

    Right, off to make a work call and then I might have a nap
    • Happy Kitties
    • By Happy Kitties 12th Jun 17, 2:25 PM
    • 257 Posts
    • 2,208 Thanks
    Happy Kitties
    Not having one of the best of days.
    Had my leftovers from yesterday for lunch
    Banking all checked
    DW all sorted
    Important paperwork and calls I've put off-finally getting sorted

    However feel really unsettled today, DD has an exam and she is feeling the same. We' re both having to adapt and create new routines and both of us are struggling! The only ones that seem settled at the minute are the cats!!!
    On a good note Birthday presents and Christmas are coming along nicely-my failsafe, when feeling stressed I check the books I have for each, do wrapping and look as if I look prepared, organised and saving money ( the last bit I am as I keep a log of everything to keep me on track)
    Sometimes I just hate Mondays....but at least it's not raining
    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
    • crazy_cat_lady
    • By crazy_cat_lady 12th Jun 17, 5:24 PM
    • 3,246 Posts
    • 27,985 Thanks
    crazy_cat_lady
    Hi everyone
    Mega tired today. I might even have to have a night off from exam marking - just desperate for a good night's sleep - got just over 4 hours last night.
    Still busy at work and home and now seriously considering getting a cleaner in to help me. Really not mse but I can't find any spare time and motivation together...
    NSTAugust #13 NSD 4/15 RYSAW17 #1 £472.63 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • allydowd
    • By allydowd 12th Jun 17, 6:50 PM
    • 3,825 Posts
    • 23,877 Thanks
    allydowd
    News

    Fake MSE Expert scam alert (Link)

    Microsoft Rewards


    Personally I won't touch Microsoft with a barge pole...but might appeal to someone. (Link)

    Free Trial

    FindMyPast (Link)

    Freebie

    Computing mag (Link)

    Children's mag (Link)

    Coffee sample (Link)

    If you have a receipt for a purchase at a Subway shop you can claim a free cookie. (Link)

    Nespresso-compatible pod via Facebook (Link)
    Last edited by allydowd; 12-06-2017 at 7:12 PM.
    Debt-free day: 8th May 2015
    The Joy Account: £2700
    Survey Rewards 2017: £100
    Swim for Sanity: 3700m
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • DawnW
    • By DawnW 12th Jun 17, 6:54 PM
    • 4,434 Posts
    • 33,745 Thanks
    DawnW
    Evening all
    Been awol for a few days as I have been poorly again
    But I have been reading along, and managed a few things today:

    Only had to go back to bed for a couple of hours this morning, and this only was because OH was snoring like a walrus at 4.30 am so I got up. Went back for a couple of hours after he got up. This is a big step forward, as I have been in bed for most of the time over the last few days
    Stripped off bed, and OH helped me remake it
    Load of washing dried on the line outside
    Picked some more strawberries
    Watered the pots in the front garden
    HG veg for dinner with our salmon this evening, new potatoes, mangetout and courgettes. And parsley with the salmon, too
    Froze some leftover cream that was about to go out of date. Need to check the rest of the fridge items too!
    Phoned hospital about referral, made appointment
    Ended all my ebay items as I can do without that at the moment!
    Walked dog with OH, it is fun seeing him run about in the park
    Claimed £50 payout from Yougov
    Still to do:
    Get washing in, fold and put away
    Deal with a bit of paperwork, a charity donation and a cheque for the window cleaner.
    Get an early night, all rock and roll here!

    • PurpleFairy26
    • By PurpleFairy26 12th Jun 17, 7:11 PM
    • 1,775 Posts
    • 11,977 Thanks
    PurpleFairy26
    I've done a freezer inventory who knew that's meals for the next month sorted. Determined to empty one freezer () and defrost.

    Meant to say this morning 1LuckyLady hope you're ok if you're lurking. Tried to PM you but it said I wasn't allowed for some reason
    • allydowd
    • By allydowd 12th Jun 17, 7:26 PM
    • 3,825 Posts
    • 23,877 Thanks
    allydowd

    Meant to say this morning 1LuckyLady hope you're ok if you're lurking. Tried to PM you but it said I wasn't allowed for some reason
    Originally posted by PurpleFairy26
    Inbox full? 50 message limit.
    Debt-free day: 8th May 2015
    The Joy Account: £2700
    Survey Rewards 2017: £100
    Swim for Sanity: 3700m
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • FatVonD
    • By FatVonD 12th Jun 17, 10:10 PM
    • 4,669 Posts
    • 17,848 Thanks
    FatVonD
    Walked dog with OH, it is fun seeing him run about in the park
    Originally posted by DawnW
    OH or the dog? (I am having Benny Hillesque visions )


    Another one in line for an early night here, we should have a virtual pyjama party

    I've done everything on my list except I froze the pasta and ate fruit instead. DS has been watching a gaming expo that is being streamed live over the last couple of days and is eating snacks while watching so he has some YS houmous and I bought a couple of different YS sandwiches for him (and one for me for lunch tomorrow.)

    Night all!
    Lunches brought to work in August 16/22 Money saved to date £34.98 (compared to spending three pounds on a meal deal)

    Make £10 a day in August £126.07/£310 (July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • PurpleFairy26
    • By PurpleFairy26 13th Jun 17, 7:10 AM
    • 1,775 Posts
    • 11,977 Thanks
    PurpleFairy26
    Morning all feel much more wth it today working from home again so should be productive

    Check banking, surveys, FPL
    Meals from stores /freezer
    Small load of washing
    Try a run
    Quick tidy round
    Portion cake and put some in freezer
    Sort through massive pile of papers and recycle anything that's needed
    See if my PIN number is in there for work credit card. If not, order a new one. Remember I put something on my card on Friday for work, will put in a claim today
    Check on veggies and water later if needed
    Read up on when I know potatoes might be ready
    Overnight oats and use some fruit up
    Check fridge for nothing on the turn

    Right, off for a cuppa to wake up some more.
    • Twins
    • By Twins 13th Jun 17, 7:34 AM
    • 265 Posts
    • 1,163 Thanks
    Twins
    Hello Everyone,

    WFH today so got a bit more time to myself. Today's missions:

    * Pop to post office and post Ebay parcel and return other parcel for refund
    * Workout from home
    * Strip DS bed and in wash, hang out to dry
    * Left over Pasta for lunch
    * Contact the creditors who still haven't responded to me I called one last night who denied all knowledge of receiving my letter
    * Still no details on how I can clam my money from Swagbucks. Need to look into that
    * Evening walk with DH around the park in the evening

    Thats it. Enjoy your Tuesday
    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
    • katy_ann
    • By katy_ann 13th Jun 17, 8:15 AM
    • 998 Posts
    • 5,288 Thanks
    katy_ann
    Morning everyone Looks like it's going to be a lovely day today here! I'm taking DS to an under ones group then popping to the shops

    - Check bank accounts
    - Go to under ones group with DS
    - Pop to the shops
    - Healthy eating and all meals from home
    - Make a stew for my slow cooker for dinner tomorrow night

    Have a lovely day all 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
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