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 3rd Jul 17, 7:06 AM
    • 6,541Posts
    • 37,635Thanks
    determined new ms
    What small DFW things will you be doing this week? WC 03/07
    • #1
    • 3rd Jul 17, 7:06 AM
    What small DFW things will you be doing this week? WC 03/07 3rd Jul 17 at 7:06 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 £287.33 Roadkill £28.25
    Wombling YTD £2982.2/Roadkill £8.63
    SFDs Oct 12/15 CC saved £2372.50
Page 3
    • FatVonD
    • By FatVonD 6th Jul 17, 8:51 AM
    • 4,883 Posts
    • 19,214 Thanks
    FatVonD
    Morning all,

    Sorry to hear about the job DNMS, there will be another

    DS is just getting ready for his interview, HappyKitties, he looks so lovely when he's got a smart shirt on

    I'm taking my mum to the market at Kempton Park Racecourse today and praying it won't be too hot. We'll probably go to eat lunch somewhere while we're out, I might suggest fish and chips.

    I am covered in gnat bites again d spite closing the Windows last night and spraying the bedroom, they love me
    Make £10 a day in October £224.01/£310 (September £374.30, August £223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • PurpleFairy26
    • By PurpleFairy26 6th Jul 17, 9:04 AM
    • 1,895 Posts
    • 12,713 Thanks
    PurpleFairy26
    Morning all determined the job obviously wasn't the one for you. Hope you can arrange to manage the workload in this one in the meantime. My list for today:

    WFH
    Checked banking and moved interest to LPDF
    Meals from stores
    Washing out on line
    Check fridge and freeze anything that needs it
    See if some potatoes are ready later in garden
    Check surveys, cash out a £3 one
    Pay nursery bill using childcare vouchers
    Sort through some more paperwork and recycle
    Some sort of exercise later, possibly a run with DH

    Bit too muggy for me this morning, hopefully it will clear later.
    • ziggy2407
    • By ziggy2407 6th Jul 17, 10:43 AM
    • 2,924 Posts
    • 21,780 Thanks
    ziggy2407
    Morning All

    DNMS - Sorry to hear about the job interview but something great is just round the corner for you - good things do happen to good people and you are a SUPERSTAR in my eyes

    Yesterday was a write-off for me but on the upside was also a NSD, was so tired I fell asleep twice before DS went to school so hubby sent me back to bed, he woke me at 1 when visitors arrived, as one set of visitors left another set arrived. Slept well last night, just woke feeling really "off colour" and grumpy. The sun's shining so hoping that will lift my mood, so today's little list

    Packed lunch for DS - Done
    Check Bank and make PAD - Done
    Few bits from supermarket - Done
    RM Surveys - 1/2 done
    Dog sitting for DD -
    Continue purge on emails -
    Enter a few comps -
    All meals from cupboards/fridge/freezer -
    Check: Luckyphone, Ashleigh, FPL, Numberplatelotto -

    Have a great day all.

    Love
    C x
    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 Aug 2017: £358.12/£155 . Make £5 per day in Sept 2017: £406.12/£150
    Make £5 per day in October 2017: £12.65/£155
    • foxgloves
    • By foxgloves 6th Jul 17, 11:03 AM
    • 3,677 Posts
    • 18,043 Thanks
    foxgloves
    Morning Campers,
    Today's shaping up into a good money saving day & did a job from my Annoying Things List too;
    *Make dough for bread rolls. Done.
    *Try new slow cooker BBQ sauce recipe. Done. Hope will be yum.
    *Pick french beans, blanch, bag & freeze.
    *Cut watercress & make cream of watercress soup for freezer (using up last of the nearly ood powdered milk).
    *Divide up YS mince & make quarter-pounders for tonight. Save the rest for tomorrow's chilli.
    *Ironing. Sighs.......you can bet I will be sorting the pile thoroughly & only use electricity on what really needs it.
    *Knit more of current 2 projects - socks & also a scarf/wrap thingy for me in lovely autumn colours.
    *Do meal plans.
    *Remind mr f to post ebay parcel & withdraw cash ready to pay Grimsby fish man tomorrow.
    Ok. Coffee break over. Off to deal with triffid watercress.
    Love 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 = £120
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £289
    • little pink purse
    • By little pink purse 6th Jul 17, 11:11 AM
    • 826 Posts
    • 3,657 Thanks
    little pink purse
    morning every one

    DNMS sorry about the job xx
    FatVond try taking garlic tablets daily they work for me as all the beasties love me xxx

    been a busy day
    been awake since silly o clock
    did shopping as we were short of every thing cost £50 a bit more than I wanted to spend and had to use the credit card but will try and clear on payday
    shopping balance now £75.00/ £150

    todo
    posting
    bins out
    meals form stores

    have a great day xxxlppxxx
    nsd July 9/15
    food spend £107/£150
    July extra hrs 30/100
    £78k must go by 2020 xx
    small steps 10k at a time
    started 31/06/17 2111/10k so far
    • Baileys Babe
    • By Baileys Babe 6th Jul 17, 1:27 PM
    • 2,188 Posts
    • 10,414 Thanks
    Baileys Babe
    Afternoon everyone

    We had a lovely time yesterday at friends sons birthday party, very relaxing. The children all enjoyed playing with their friends, whilst us adults spent many hours catching up a socialising with our friends

    Today I have given us a slow start as it ended up being a very late night.

    Today's plan:
    Dry washing outside for free
    Set WM to run overnight
    Set DW to run overnight
    Soak a batch of oats for tomorrow's porridge
    Educate children for free
    Entertain us for free
    RM survey, restarted this week
    B/L/D from stores
    Stick to meal plan
    NSD
    Look into day trips for July and August
    Share home grown raspberries with the children

    This afternoon we are off to visit my sister and family, I was thinking of going earlier and taking lunch for everyone, which would have meant a special shopping trip instead I arranged to go this afternoon and take some home made cake (all ingredients in stock ) so no additional cost.

    Apr '17 GC £280/117.17(overspend March) +
    Jan - Mar '17 GC £910/1027.17
    • DaniS
    • By DaniS 6th Jul 17, 3:22 PM
    • 19 Posts
    • 118 Thanks
    DaniS
    Hello!
    I'm sort of new. Well a new poster anyway. I've always been a lurker but I have started actively posting on OS board and also started a diary today. I think this thread is such a good way of keeping on track.

    Today:
    Check online banking
    Update budget spreadsheet
    Lunch from leftovers
    Dinner from stores
    Bake banana loaf using 2 ripe and spotty bananas
    Feed the ducks with DS in the park
    NSD

    Have a lovely day!
    • DawnW
    • By DawnW 6th Jul 17, 3:54 PM
    • 4,553 Posts
    • 34,912 Thanks
    DawnW
    Afternoon all
    Really hot and humid here again today, shouldn't moan I suppose!
    Done so far:
    Load of washing currently drying on line outside
    Watered front garden pots
    Paid bill for camper van's engine operation Going to try it out tomorrow though
    Bit of cleaning, area round front door, paintwork washed, gradually getting round the house, one bucket of soapy water at a time! Chose this spot today as yesterday I freecycled an old kitchen trolley that had taken up residence there. Looks much better now
    Small shop, will take food away with us. Used a triple points coupon

    Still to do:
    Make a potato, spinach and chickpea curry to take with us, using HG potatoes and spinach. We were going to have this tonight, but DD has just phoned and asked us round for a BBQ at hers
    Wash lettuce etc to take with us (as requested contribution)
    Get washing in, fold and put away - hope none of it needs ironing
    Pick French beans
    Water what needs it in back garden, taking into consideration that we won't be here tomorrow evening
    Dog walk when it gets cooler

    Right, better get this curry on!

    PS, welcome, DaniS, we like to have new people joining us
    NSDs for October 8/15

    • Happy Kitties
    • By Happy Kitties 6th Jul 17, 8:15 PM
    • 318 Posts
    • 2,661 Thanks
    Happy Kitties
    Welcome DaniS this really is a great thread, it will help keep you on track for sure and what a great bunch of people on this thread

    DNMS sorry to hear about the job. I'm a great believer that if it isn't to be it isn't to be, but something better that is right and meant to be, will be waiting for you

    FVD I hope your son got on okay with his job interview

    foxgloves if u need any more ironing........double ironing mount Everest is in danger of turning into triple mount ironing everest
    Making the most of the good weather-catching up on the washing.....mainly from DD
    Checked banking first thing, and cat cleaning all done for today
    A good day today-a NSD and I managed to get some meals cooked using YS items and little bits left over like chesse. Extra portions stashed in fridge.
    Cooked extra rice that I can turn into an egg fried rice dish for DD tomorrow for lunch.
    Got a small amount of paperwork done today, hoping to complete tomorrow.
    Must whip the vacuum round tomorrow, house still looking a state but have been putting bits away today so feel like I've made a start
    Have a great evening 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
    • determined new ms
    • By determined new ms 7th Jul 17, 7:35 AM
    • 6,541 Posts
    • 37,635 Thanks
    determined new ms
    Morning yippee to it being Friday I have a busy day at work ahead, but think I can get what needs doing done if I'm really effective with my time

    lovely friend I have seen for months and hubby coming for dinner can't wait to see them. Need to stop at 4ldi's for bits. am making a vegan curry night

    Need to clean up the house - hopefully won't be a big job due to all the entertaining we've done recently!

    water plants in a second

    make madam's & my lunches. I'll have hg salad with mine

    call manager in another team that I'm thinking of applying for a vacancy. Really torn with this as would be in a different team, so that would be good, more hours - good and bad! more money because more hours is good but losing work free time time and having to put madam into after school care 3 or 4 days a week not so good! - it also is a generic position so takes me away from specialising in mental health. Also if I commit to this I would need to commit for at least a year so holds me back from other opportunities.

    Sorry for war and peace! Have a great day x
    DF as at 30/12/16
    Wombling '16 £287.33 Roadkill £28.25
    Wombling YTD £2982.2/Roadkill £8.63
    SFDs Oct 12/15 CC saved £2372.50
    • PurpleFairy26
    • By PurpleFairy26 7th Jul 17, 7:37 AM
    • 1,895 Posts
    • 12,713 Thanks
    PurpleFairy26
    Morning all short list for me today as I'm away for the weekend with some friends, paid for ages ago from holiday pot and we're staying self catering so cheap but very cheerful

    I will/have:

    Check banking, update sheets, moved some money around
    Check surveys, FPL
    Get DH to post fleabay item, transferred funds to LPDF
    Take bottle of champagne I was given as a thank you for something last week rather than buy one
    Check if DH is going to eat lasagne in fridge today, if not I'll freeze
    Some fruit on the turn for breakfast
    Hot drink for my journey, pack running gear so I can hopefully do at least 1 run whilst away.

    Right, off to get the small to schools, smallest school has 2nd settling in session today. Then I'll be away up the road.
    • DaniS
    • By DaniS 7th Jul 17, 8:05 AM
    • 19 Posts
    • 118 Thanks
    DaniS
    Morning, thank you for the lovely welcome yesterday.

    I was up bright and early this morning, 4.22am to be exact. The joys of being pregnant!

    DS is off to the in laws at 9am, then I'm off to the hospital for an appointment. Then I plan on finishing packing my hospital bag.

    I plan:

    Check bank, update spreadsheets, make PAD
    Iron work shirts for OH, put washing away from line yesterday
    Slice and freeze half banana loaf made yesterday
    Meals from stores
    Park in free car park at hospital (longer walk but I don't mind) so I can have another NSD
    Update food inventory ready for meal plan next week

    Have a lovely day all!
    • Twins
    • By Twins 7th Jul 17, 8:42 AM
    • 266 Posts
    • 1,177 Thanks
    Twins
    Morning everyone,

    Another hot sticky night last night and didn't sleep great.

    Hoping for a NSD today, it's been a while since I've had one of those.

    * Washing on and hang outside to dry
    * Received an invite from Buzzagent to try some new Shredded Wheat cereal so accepted that and look forward to a couple of boxes in the post
    * Workout later this afternoon if I can bear doing it in the heat
    * Need to tackle the mountain of ironing, might leave it until Sunday when it's cooler
    * Update payments spreadsheet
    * Complete some surveys on Swags

    Have a great day everyone!
    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
    • Baileys Babe
    • By Baileys Babe 7th Jul 17, 9:02 AM
    • 2,188 Posts
    • 10,414 Thanks
    Baileys Babe
    Yesterday I did everything I planned as well as going to my Sister's. I intend to be there for a couple of hours, but my nephew had cooked a bean stew and had made loads so we were invited to join them for dinner which was lovely We all had plenty of hugs with the latest addition and I had lots of hugs with my Sister's other children
    I ran a couple of errands for my Sister as well as doing some chores.

    Today's plan (the observant among you will notice a striking resemblance to yesterday's):
    Dry washing outside for free
    Set WM to run overnight
    Set DW to run overnight
    Soak a batch of oats for tomorrow's porridge
    Educate children for free
    Entertain us for free
    RM survey, restarted this week
    B/L/D from stores
    Stick to meal plan
    NSD
    Look into day trips for July and August
    Enjoy home grown raspberries
    Take and submit meter readings
    Post on this thread for motivation and inspiration
    Check bank accounts
    Review months money plan

    Apr '17 GC £280/117.17(overspend March) +
    Jan - Mar '17 GC £910/1027.17
    • Julie67
    • By Julie67 7th Jul 17, 9:05 AM
    • 2,344 Posts
    • 21,245 Thanks
    Julie67
    Morning everyone,

    Another one who didn't sleep well, too warm. Todays jobs

    -write a shopping list for our barbi tomorrow. A farewell party for our youngest who is off to Australia with his gf for a year. We are going to miss him
    - already checked bank
    -list 10 items in my ebay shop
    -post 7 items out this morning
    -we need to tidy the garden for tomorrow although it's looking pretty good at the moment
    -strip and wash the bedding in the spare room as mum and dad are staying over tomorrow night.
    -pick up some Australian dollars, just a little gift for youngest DS so they have some currency at the airport

    Phew chill and relax tonight.. Have a good day all x
    Started Self Managed DMP 10th May 2017.
    Working hard to get rid of our debt.
    • Baileys Babe
    • By Baileys Babe 7th Jul 17, 9:07 AM
    • 2,188 Posts
    • 10,414 Thanks
    Baileys Babe
    DaniS welcome to one of the best places on the Internet.
    I hope your pregnancy goes smoothly.

    Apr '17 GC £280/117.17(overspend March) +
    Jan - Mar '17 GC £910/1027.17
    • little pink purse
    • By little pink purse 7th Jul 17, 10:02 AM
    • 826 Posts
    • 3,657 Thanks
    little pink purse
    morning everyone

    well back to work I go
    on a good note I've managed to secure 11 hrs extra hours every little helps lol

    today
    ebay
    wash on
    meals from stores
    nsd fingers crossed
    hoover

    better go get to work lol

    xxxxlppxxxx
    nsd July 9/15
    food spend £107/£150
    July extra hrs 30/100
    £78k must go by 2020 xx
    small steps 10k at a time
    started 31/06/17 2111/10k so far
    • DaniS
    • By DaniS 7th Jul 17, 10:12 AM
    • 19 Posts
    • 118 Thanks
    DaniS
    DaniS welcome to one of the best places on the Internet.
    I hope your pregnancy goes smoothly.
    Originally posted by Baileys Babe
    Ah thanks. The actual pregnancy hasn't been too bad, it's everything else that pregnancy affects

    Although, having a 14 month old has made it a little bit testing at times!
    • FatVonD
    • By FatVonD 7th Jul 17, 12:53 PM
    • 4,883 Posts
    • 19,214 Thanks
    FatVonD
    Afternoon all,

    Julie67, I can't imagine how you must be feeling but it must be up there with first day at school!

    Welcome, Dani

    Unlike everyone else I could sleep for England! I had a nap yesterday afternoon, woke to eat something in the evening and then fell asleep again! I woke at 8am today just in time to enjoy the alarm not going off

    So far today I've:

    Re fixed my mortgage saving me £27 per month on the variable rate

    Loaded the dishwasher

    Put some washing on

    Watered the garden

    Brushed the carpet with the cat grooming brush to get the cat hair off

    Cleaned the fish tank, as well as the 22 babies in the small tank I've spotted another in the big tank that must have either got sucked up with the water or come in on one of the plants. I couldn't catch it but it's survived this long without being eaten (or even seen!) so fingers crossed for it!

    This afternoon I need to:

    Return the forms to the new GP

    Eye test at 3pm

    Do a little bit of sorting of the garden store.


    In other news, my mum gave me some cash for my birthday soon, most of it will go towards debts but I have bought myself a ticket to see Tom Petty in Hyde Park on Sunday. I am beyond excited, my favourite male artist being supported by my favourite female artist, it doesn't get much better!
    Make £10 a day in October £224.01/£310 (September £374.30, August £223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • allydowd
    • By allydowd 7th Jul 17, 1:14 PM
    • 3,839 Posts
    • 24,003 Thanks
    allydowd
    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.
    Debt-free day: 8th May 2015
    The Joy Account: £400
    Survey Rewards 2017: £100
    Swim for Sanity: 4450m
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
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

4,565Posts Today

9,256Users online

Martin's Twitter
  • RT @LordsEconCom: On Tuesday Martin Lewis, Hannah Morrish & Shakira Martin gave evidence to the Cttee. Read the full transcript here: https?

  • Ta ta for now. Half term's starting, so I'm exchanging my MoneySavingExpert hat for one that says Daddy in big letters. See you in a week.

  • RT @thismorning: Can @MartinSLewis' deals save YOU cash? ???? https://t.co/igbHCwzeiN

  • Follow Martin