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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 4
    • FatVonD
    • By FatVonD 16th Jun 17, 4:51 PM
    • 4,646 Posts
    • 17,691 Thanks
    FatVonD
    I've just put a new dishwasher on my credit card. I will have the money to pay for it on payday but ordered it now so I could get delivery/installation booked for my week off.

    This is going to revolutionise my evenings!
    Lunches brought to work in August 12/22 Money saved to date £25.07 (compared to spending three pounds on a meal deal)

    Make £10 a day in August £89.60/£310 (July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • FatVonD
    • By FatVonD 16th Jun 17, 10:42 PM
    • 4,646 Posts
    • 17,691 Thanks
    FatVonD
    I feel like the thread killer because I'm always the last to post and then it all goes quiet

    My little Mr T didn't have any nice bread so I drove to the big Mr S instead and managed to get some great YS things. They reduce everything in the fresh section to 20p and fruit and veg to 10p. I managed to get:

    2 X TTD Mac and cheese
    2x TTD roast potatoes in goose fat
    1 fresh cream Victoria sponge
    Melting middle sponge puddings
    Sweet corn kebabs
    1 cauliflower

    I also bought a basics storage box to try as a cat litter tray as it's deeper and might stop it all getting kicked over the sides.

    It's my mum's birthday on Sunday and I bought cards there too, they would have been much cheaper in card factory but that would have necessitated a trip into town tomorrow and broken into my day so I figured it was worth an extra couple of quid to have the whole day to myself

    PS I also bought their last pack of parsnip seeds, I know they should have been sown a month ago but I'm going to give it a try anyway...
    Last edited by FatVonD; 16-06-2017 at 10:53 PM.
    Lunches brought to work in August 12/22 Money saved to date £25.07 (compared to spending three pounds on a meal deal)

    Make £10 a day in August £89.60/£310 (July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • FatVonD
    • By FatVonD 16th Jun 17, 10:51 PM
    • 4,646 Posts
    • 17,691 Thanks
    FatVonD
    In other news, apparently our huge MrT has introduced a queueing system for the YS stuff after somebody got injured in a scuffle
    Lunches brought to work in August 12/22 Money saved to date £25.07 (compared to spending three pounds on a meal deal)

    Make £10 a day in August £89.60/£310 (July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • Twins
    • By Twins 17th Jun 17, 6:17 AM
    • 265 Posts
    • 1,157 Thanks
    Twins
    Morning everyone!

    FatVonD, I enjoy reading your posts in the morning when you've posted last thing

    Had a rubbish nights sleep, hence why I'm up so early Less than 6 hours sleep as this cold has me coughing. I also think the older I'm getting the less alcohol is agreeing with me...that seems to disturb my sleep a lot now too.

    Plans for today:

    * Get some washing in the machine and let it dry outside.. going to be a scorching weekend!
    * Pop to Mr T and see if they have any of that Haig scotch left for Fathers Day. They had run out the other day so it might be back in stock
    * Hook up the new water pipe and jet wash the cars
    * Go to butchers and pick up some chicken for dinner
    * Go for a walk tonight around the park with DH

    Have a lovely day everyone. Don't forget your sun cream!
    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
    • Happy Kitties
    • By Happy Kitties 17th Jun 17, 8:13 AM
    • 251 Posts
    • 2,158 Thanks
    Happy Kitties
    FVD that's the first time I've heard about a queuing system for YS goodies. U did well in Mr S last night. MY DD hasn't done a YS run for 2 days, but we're still working through everything she has picked up and freezer space is non existent. They certainly help the budget, my grocery challenge money is well under this month which I'm pleased about and a good job after the start of the back bedroom planning spends.
    twins I hope you are feeling better soon, there is nothing worse than when u have a cough with a cold, u never get a good night's sleep and the coughing seems never ending,

    Myself and DD are out tonight. Not like me to go out as I don't last well and we've got to travel quite abit but really looking forward to it. Must remember to take the raffle prizes I've offered from my stocks. Love a good raffle. Tonight all budgeted for and factored into spends.
    Need to do some paperwork today and abit of housework but not overdoing it or I won't manage tonight.
    Looks like it's going to be a hot one today.
    Cat cleaning partly done. Think it's another cuppa first before I get my bum in gear.
    Have a good day everyone 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 Jun 17, 12:11 PM
    • 4,646 Posts
    • 17,691 Thanks
    FatVonD
    Jeez, it's hot out there, way too hot for me (unless I have the sea or a swimming pool close by, which I don't!)

    I've been up a couple of hours and have done the washing up and scrubbed the worktops. Driven to the GP to hand in my repeat prescription but they were closed. I popped to the shop for milk and sausages (I'm planning on cooking a roast later, perfect weather for it )

    The rest of the day will be about:

    Clean bathroom and swap towels
    Clean bedroom and change sheets
    Sow parsnip seeds
    Free up 2 more storage boxes for more parsnips
    Buy compost if needed
    Try to drop off DSXGF's stuff if I can
    Drop off WBB packages
    Drink lots of cold drinks!
    Lunches brought to work in August 12/22 Money saved to date £25.07 (compared to spending three pounds on a meal deal)

    Make £10 a day in August £89.60/£310 (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 17th Jun 17, 1:05 PM
    • 6,332 Posts
    • 35,896 Thanks
    determined new ms
    Hi guys yippee to the weekend ! I've been down the lottie for a few hours, picked broadbeans, broccoli, radishes, lettuce, a few strawberries. Came home and am making a bb turkish mezze dish, a salad and a broccoli salad for a party we're going to

    Weirdly we have 3 parties to go to today! a kids party 2-4, a party to celebrate the election result in our area - historic vote in Canterbury :-) and a friend's solstice party late afternoon/evening/night! (this one the food is for)

    So not much going on apart from that! Need to pack up clothes for party this evening - those who can stay up for the sunrise (that's me probably out then!)

    Have watered veggies

    will use stash for wrapping paper for gift

    drinks for party already procured.

    Ok better go get ready!
    DF as at 30/12/16
    Wombling '16 £264.46 Roadkill £28.25
    Wombling YTD £2752.51/Roadkill £8.58
    NSDs Aug 3/15 CC saved £1802.50 Veg grown £352.33
    • FatVonD
    • By FatVonD 17th Jun 17, 2:37 PM
    • 4,646 Posts
    • 17,691 Thanks
    FatVonD
    Remove about 60 newly-hatched green caterpillars from one of my other roses? Why do they love my garden so much when I don't like them??

    I'm thinking of putting sandwich bags over each of the flowers once the bees have gone home and spraying the rest in case I've missed any
    Lunches brought to work in August 12/22 Money saved to date £25.07 (compared to spending three pounds on a meal deal)

    Make £10 a day in August £89.60/£310 (July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • DawnW
    • By DawnW 17th Jun 17, 2:57 PM
    • 4,423 Posts
    • 33,660 Thanks
    DawnW
    Remove about 60 newly-hatched green caterpillars from one of my other roses? Why do they love my garden so much when I don't like them??

    I'm thinking of putting sandwich bags over each of the flowers once the bees have gone home and spraying the rest in case I've missed any
    Originally posted by FatVonD
    I don'tlike them much either FVD
    And they love my garden

    • FatVonD
    • By FatVonD 17th Jun 17, 4:39 PM
    • 4,646 Posts
    • 17,691 Thanks
    FatVonD
    Another brown spikey one relocated to the buddlea out the back.

    I've had a swarm of wasps in the kitchen this afternoon too, they must be off searching for a new nest. Strangely they don't bother me at all, I just opened all the doors and windows and most have found their way out now.

    It's still way too hot here, I keep doing bits and pieces but it's exhausting in this heat.
    Lunches brought to work in August 12/22 Money saved to date £25.07 (compared to spending three pounds on a meal deal)

    Make £10 a day in August £89.60/£310 (July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • foxgloves
    • By foxgloves 17th Jun 17, 5:06 PM
    • 3,566 Posts
    • 17,082 Thanks
    foxgloves
    FVD - I know you have a phobia about caterpillars, & I understand completely because I have pretty bad arachnophobia, but before you spray them, do bear in mind that they are a huge food source for birds. At this time of year, caterpillars are regularly fed to chicks & will be an important part of their food & moisture. It's why I don't use slug pellets. They're a damn nuisance but we just have too many birds, frogs & a hedgehog so I tend to stick to other methods. I know you really don't like caterpillars though 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
    • foxgloves
    • By foxgloves 17th Jun 17, 5:22 PM
    • 3,566 Posts
    • 17,082 Thanks
    foxgloves
    Hi Saturday Savers,
    You know what? It's a proper sunny day....even up here in the murkey East Midlands! Not much to report today:
    *NSD. Mr f had to work this morning & it"s too hot to walk into town & I didn't want to pay for the bus.
    *New washer plumbed in. Decided to make best use of excellent drying weather so have made a start on the backlog of laundry already.
    *Baked a cake to take to my Dad tomorrow.
    *Baked cheese scones.....hashed 3 different recipes together & have finally come up with nice cheesy scones which rise well. Taking some for Mum (her favourite)....have frozen the rest for picnics, breakfasts, etc.
    *Made crumble mix plus took last of last year's blackberries & apple out of freezer as told parents I'll do dessert tomorrow. Everyone loves crumble & it's a no-spend choice.
    *Attempted 1st ever sourdough loaf using contents of my evil jar. Felt very unconfident as dough was v badly behaved but it worked out ok & mr f loves it & says I need to biy a proper proving basket...In the interest of saving money, I used something Id already got.but the dough tried to climb out (like the children's story 'The Rascally Cake!')
    *Washed hair & left to dry naturally.
    *Wateted veggies & Christmas tree.
    *Now sitting in my deckchair (which cat wants more than anything) reading 3 nice magazines I was given.
    *Mr f's cooking.night. He's making a veggie spag bol & has just informed me he will be making extra for the freezer.
    Have a good weekend all,
    F xx
    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
    • FatVonD
    • By FatVonD 17th Jun 17, 7:43 PM
    • 4,646 Posts
    • 17,691 Thanks
    FatVonD
    FVD - I know you have a phobia about caterpillars, & I understand completely because I have pretty bad arachnophobia, but before you spray them, do bear in mind that they are a huge food source for birds. At this time of year, caterpillars are regularly fed to chicks & will be an important part of their food & moisture. It's why I don't use slug pellets. They're a damn nuisance but we just have too many birds, frogs & a hedgehog so I tend to stick to other methods. I know you really don't like caterpillars though x
    Originally posted by foxgloves
    Yep, I don't use anything in the front garden as we have a bird box and a visiting hedgehog. I've put down slug pellets in the back garden though as it's walled/fenced to 6ft all round so no hedgehogs and the cats laying out there scare off the birds.

    I did think I should have just dropped the leaves onto next doors bird feeder out the back instead of the buddlea, I'll keep an eye out tomorrow to see if there are any more before I do anything too drastic. I cope a lot better with them since my treatment and allowed one to stay last year but there were just so many of them, (though presumably he was the only uneaten survivor of an equal amount last year!)
    Lunches brought to work in August 12/22 Money saved to date £25.07 (compared to spending three pounds on a meal deal)

    Make £10 a day in August £89.60/£310 (July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • FatVonD
    • By FatVonD 17th Jun 17, 10:31 PM
    • 4,646 Posts
    • 17,691 Thanks
    FatVonD
    Panic averted, they were rose sawfly larvae and wouldn't have grown much bigger.

    I had a cold bath and then cooked roast dinner, the Sainsbugs roast potatoes weren't a patch on my own even if they were only 20p

    Tomorrow I'm out with my mum for her birthday, we're taking her chrome book in to attempt to get the software installed for her new printer then we're going to go to the garden centre for a bite to eat in the cafe and then bingo in the evening.

    I didn't get as much done today as I'd hoped on account of the heat The bathroom is cleaned though and I've sorted the washing into piles so the urgently needed stuff will get done at least and the stuff that can wait can, well, wait

    I'm going to start making a list of things I need to do on my forthcoming week off, the new dishwasher is already being delivered/installed, I'll try to get DS booked in for another theory test and I want to change our GP to one closer to home so there's a start...
    Lunches brought to work in August 12/22 Money saved to date £25.07 (compared to spending three pounds on a meal deal)

    Make £10 a day in August £89.60/£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 18th Jun 17, 8:52 AM
    • 1,767 Posts
    • 11,925 Thanks
    PurpleFairy26
    Morning all anonthr beautiful day here so intend to spend it outside with family DD gas party to go to first, held my nerve in a shop yesterday and didn't buy a present as I was sure there would be something in the box but I'd not checked. There was card from my 10 fir a pound stash

    Meals will be a picnic and then something light for tea. Other things:
    Plant out last of flowers and do some weeding
    Water plants tonight when cooler
    Somewhere local and free for a picnic
    All washing outside, including my thick dressing gown and DD winter coat
    Some number crunching tonight, just to see where significant overpayments will get us
    Plan what to do on my week off, week after next to make it as productive as possible
    Check for surveys and FPL.

    Enjoy the sunshine peeps.
    • Twins
    • By Twins 18th Jun 17, 9:16 AM
    • 265 Posts
    • 1,157 Thanks
    Twins
    Morning all!

    Wow, how hot was last night? It felt like heat was coming out of the bed it was that hot, very uncomfortable sleeping and I suspect tonight will be the same I need an AC unit in the bedroom I keep telling DH Looking at 32 degrees down here today± Does anybody have a Dyson fan and are they any good at cooling?

    Plans today are:

    * Clean windows in preparation of getting our curtains back from dry cleaners
    * Get some washing on and put outside in garden to dry
    * Have to pop to Sainsburys for a few bits
    * Order Revoult card to put our Euro's spending money on for hols
    * Really wanted to get in a home workout but it's too hot!
    * Have to do a bit of ironing in this heat Kids need uniforms for final week at school
    * Maybe do some Swag survey, need to start building my points up again
    * Set up standing orders to creditors and phone the last creditor to get their banking details... i wonder if they'll be open on a Sunday?

    Enjoy your Sunday everyone 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
    • Twins
    • By Twins 18th Jun 17, 9:24 AM
    • 265 Posts
    • 1,157 Thanks
    Twins
    Some number crunching tonight, just to see where significant overpayments will get us
    Originally posted by PurpleFairy26
    Purps, I did that last night. It's called Snowball calculator. Below is the site I used and added in all my creditors and what over payment I could make each month and then it gave me the monthly amount I would pay each creditor to helps clear the debt quicker.
    If I stick to the amounts this tool produced I could be debt free in just over a year! Have a look and see if this helps:



    https://financialmentor.com/calculator/debt-snowball-calculator
    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
    • Happy Kitties
    • By Happy Kitties 18th Jun 17, 11:10 AM
    • 251 Posts
    • 2,158 Thanks
    Happy Kitties
    Didn't get to bed until 3am, woke up at 7.30am
    As soon as missing kitty now home got wind of someone awake she went into meltdown (I'm sure she suffers from food distress if food is late after her adventures)
    Fortunately DD was up requiring toast and fed them so I could have abit more of a lie in, but ended up getting up in the end.
    Had a good night out last night, took a couple of raffle prizes and won some beautiful cupcakes in the raffle. Me and DD had one each for breakfast
    It's hot outside already so plans today include,
    Cat cleaning
    Washing out
    Bathroom cleaning
    And will try and run the hoover over downstairs
    Got ahead with my paperwork yesterday, so don't have to look at that until tomorrow.
    Might fire off one email later.
    Have bits that need using up in the fridge so it might mean a mini roast dinner later
    Have a good Sunday everyone 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 Jun 17, 11:30 AM
    • 4,646 Posts
    • 17,691 Thanks
    FatVonD
    Morning all, I too woke around 7am but then went back to sleep for another three hours so now I've got the dodgy-neck-nerve-related headache I always get if I spend too long in bed.

    I've fed the cats and watered the garden as I won't be around this afternoon or evening, I'm just waiting to get into the bathroom but DS is obviously feeling the heat as he's in the shower already!

    I'm going to try a new aerosol foam 'hair refresher' which was half the price of hair dye and apparently has about six applications. I'm not expecting miracles to be honest as you only leave it on for three minutes! I love the grey streak in my hair when it is down in the winter but it looks like I'm grey all over when I tie it back!

    I need to wrap my mum's birthday present, I gave her some money towards something she had already bought so this is just something small so she has something to open.

    I'll pop into the middle sided Mr T on my way out to get more cat food and we also need drain unblocker as DS has been cutting his own hair over the sink

    Have a lovely day everyone!
    Lunches brought to work in August 12/22 Money saved to date £25.07 (compared to spending three pounds on a meal deal)

    Make £10 a day in August £89.60/£310 (July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • princess_pea
    • By princess_pea 18th Jun 17, 1:05 PM
    • 332 Posts
    • 2,657 Thanks
    princess_pea
    Hi everyone,

    It's been quite a productive week for us. Our awful neighbour has finally shut up after a visit from the housing association. I just hope it lasts as I've not felt anxious at all this week.

    I'm in the middle of switching all my accounts to Nationwide, due to complete this week. It's going ok, although I'm still waiting for a card reader so I can get on to internet banking and set up a savings account. I withdrew the £50 I had left for food shopping from my old account so I didn't have to worry about not having access to anything when the switch happens. I bought lunch one day last week (grrrrr) and we went to Aldi yesterday for bits to see us through the week. Last night we went for a BBQ at a friend's house so we bought some burgers, buns, soft drinks and a trifle. I've got £15 left for essential food items to last until pay day on the 28th which should be ok as we've got lots in the freezer. Lots of NSDs next week!

    My eBay items haven't sold so I'm going to set up a gumtree account and put them on there too. I also need to do some surveys as I want some Amazon vouchers for DH's birthday in August.

    I've got 2 weeks of extra hours left at work and although the money has been welcome I'm looking forward to going back down to normal full-time hours!

    That's all for now, I'm off to tackle ironing mountain. Enjoy the gorgeous weather
    DFD 7/3/2016
    Married 3/9/2016
    Mortgage Deposit £6000
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