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  • FIRST POST
    • determined new ms
    • By determined new ms 10th Jul 17, 6:34 AM
    • 6,572Posts
    • 37,890Thanks
    determined new ms
    What small DFW things will you be doing this week? WC 10/07
    • #1
    • 10th Jul 17, 6:34 AM
    What small DFW things will you be doing this week? WC 10/07 10th Jul 17 at 6:34 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 13/15 CC saved £2372.50
Page 1
    • determined new ms
    • By determined new ms 10th Jul 17, 6:47 AM
    • 6,572 Posts
    • 37,890 Thanks
    determined new ms
    • #2
    • 10th Jul 17, 6:47 AM
    • #2
    • 10th Jul 17, 6:47 AM
    Morning just enjoying a peaceful cup of coffee before the house wakes up and we need to start getting ready....

    working today in Dartford today At least I'll get a £23 for mileage. And so begins the nightmare time for me of not having enough time to do the work as I'm being asked to travel for 2 hours a day 2 x a week so am losing at least 4 hours of working time but having my case load reduced by 2 hours.... pray it's only for a short period...

    small things:

    * finish off madam's lunch (sandwiches made for madam's party, not eaten so frozen on the day ) & put together my ys pita bread
    * using a thermal shopping bag as a cool bag for my lunch with 3 cool blocks in. Ha ha my lunch and drinks while on the road won't be hot!
    * water greenhouse in a minute
    * Need to get petrol and check tyre pressure
    * garden time with madam after work
    * continue cleaning the house when madam goes to bed. Just bedroom, hall and bathroom left

    ok that's all I can think of. Have a great day everyone x
    Last edited by determined new ms; 10-07-2017 at 6:56 AM.
    DF as at 30/12/16
    Wombling '16 £287.33 Roadkill £28.25
    Wombling YTD £2982.2/Roadkill £8.63
    SFDs Oct 13/15 CC saved £2372.50
    • Chandelier.
    • By Chandelier. 10th Jul 17, 6:47 AM
    • 521 Posts
    • 1,381 Thanks
    Chandelier.
    • #3
    • 10th Jul 17, 6:47 AM
    • #3
    • 10th Jul 17, 6:47 AM
    Morning,

    I'll join in this week

    I've a few small things I aim to do.. the first is looking into cancelling mobile phone insurance. I've paid it for 18 months now and only have two years left on contract? I'm not sure what to do.. does anyone have any opinions?? It's costing me £6.99 a month. Not a huge amount but I've not had to use it yet.

    Also I need to check and compare prices for car insurance renewal which is due the end of next month.

    I need to order the boy a hooded jacket at some point this week. I was meant to do it last week but got sidetracked

    I also plan to deep clean the bathroom at some point this week.

    I've lots of little jobs to do. At least it will keep me busy and deter me from spending lol..

    Have a good Monday everyone.
    Check out my Diary
    • PurpleFairy26
    • By PurpleFairy26 10th Jul 17, 8:14 AM
    • 1,915 Posts
    • 12,872 Thanks
    PurpleFairy26
    • #4
    • 10th Jul 17, 8:14 AM
    • #4
    • 10th Jul 17, 8:14 AM
    Morning all back from my weekend away feeling very refreshed, very relaxing and frugal bought some goodies back as we split the food and booze left at the end. My plans for today:

    Check banking, surveys and FPL
    Made mrs frugalwoods beans and rice last night, taking potion to work
    Hm malt loaf for snack
    Hot drink for commute
    Put all clothes away
    Sort washing to put on tonight if weather looks set fair for tomorrow
    Double check what I need to be organised with rest of the week and see if I really can leave work at 2 on Thursday or is that optimistic, if it is, book after school club for DD
    Get a small bag of cooked meat from freezer for Monday night rice for tea
    Dispatch two teacher gifts today, need to wrap two more by Friday. Rest not until end of August
    Both DD only have one teacher each next year

    Right, off to quickly flylady kitchen before work.
    • DawnW
    • By DawnW 10th Jul 17, 9:07 AM
    • 4,602 Posts
    • 35,349 Thanks
    DawnW
    • #5
    • 10th Jul 17, 9:07 AM
    • #5
    • 10th Jul 17, 9:07 AM
    Morning all
    Hello Chandelier, nice to have you join us Can't help on the phone insurance I am afraid, as I have never had it. Is there any penalty if you ditch it? Is your phone covered by your home insurance or under the terms of one of your bank accounts? To be honest if mine broke or got lost I would simply get it repaired or replace it, but it is not an expensive one, and I just have a sim only contract. Sorry not to be of more help, but I am sure one of our other posters will be able to shed more light

    Today's plans look like this:
    Go to sales unit to restock and tidy (come to think of it I need to label up some new items first)
    Need to do a small shop while out in the car - I have a list!
    HM meals
    Freeze some French beans
    Ring camping supplier to see if they have an item that we need in stock, to avoid a wasted journey (it is only in the next market town to ours, just a few miles, but don't want to waste fuel unnecessarily)
    Cleaning - high up window ledge in conservatory which hasn't been done for ages Lots of spiders webs etc OH keeps his collection of old bottles up there, and they all want cleaning as well. He ought to do it really, but won't, and I don't want to look up at it any more (don't worry I will find him a job - or three - to do by way of recompense ) He might need to find a taller stepladder for a start!
    Dog walk later
    Water anything in the garden that needs it (looks to be hot and dry yet again, I see there was another nasty fire in London again last night, though thankfully nobody was hurt this time, really worry about fire this weather )

    Hope everyone has a good day
    Food/ household/supermarket spends for November - £210.25 / £250
    NSDs for November 9/12


    • Happy Kitties
    • By Happy Kitties 10th Jul 17, 10:51 AM
    • 346 Posts
    • 2,863 Thanks
    Happy Kitties
    • #6
    • 10th Jul 17, 10:51 AM
    • #6
    • 10th Jul 17, 10:51 AM
    Morning everyone
    Cat cleaning done-still some more to do, it's taken ages this morning.
    Our new little black kitten is gaining in confidence, I've never heard anything squeak so much when demanding food or attention. Still cant hold her yet, still very nervous but she's getting better every day.
    Banking all checked
    Some paperwork already done, being efficient today.have a meeting tonight but won't be a late one, I'll be back in time for the asd@ delivery.
    Food all in for DD lunch

    It's a good question about the mobile phone insurance chandelier.. I've just got a new mobile phone that has insurance-£2 a month. I'm thinking of cancelling it, keep thinking do I need it but I am so clumsy, u wouldnt believe the amount of phones that have bounced down stairs or I've dropped in a cuppa!
    I wouldn't be happy paying £6.99 a month, worth checking out?

    Have a great 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
    • foxgloves
    • By foxgloves 10th Jul 17, 10:55 AM
    • 3,703 Posts
    • 18,255 Thanks
    foxgloves
    • #7
    • 10th Jul 17, 10:55 AM
    • #7
    • 10th Jul 17, 10:55 AM
    Hi Chandelier - Welcome. We love new people on here! Re mobile phone insurance. I've never bothered with it. I've only needed to claim once for a mobile & it was covered by my home insurance, no awkward questions asked (despite ridiculous manner of its demise caused by our cat!). I received a replacement, all sorted out by the insurance company. Worth having a look at your home insurance & seeing what items are covered as with companies scrambling for our hard-earned money, it's very easy to be over-insured these days. My other reasoning is that I tend not to be bothered about hugely expensive mobile phones so if the worst case scenario happened that I lost it & my home insurer did refuse to pay up, it would probably still be cheaper to buy a new re-conditioned or inexpensive phone than pay out an extra monthly insurance payment throughout all the years I didn't lose it......if that makes sense.

    Dawn - loved reading about your campervan trip. We would totally LOVE a campervan but it isn't going to happen any time soon. We just don't have the funds. The old pre-LBM 'us' would probably have borrowed the money for some heap of rust by now (one of the ones you see gently steaming on the hard shoulder of the motorway every summer!) but we have really taken to camping & as our tent looks so pretty with its bunting, fairy lights, & vintage bits & bobs, it's doing us just fine for now. I totally agree with you about how much equipment you can find lying around at home though! We bought crockery plates (cheap set from IKEA) because when we were setting everything up, I couldn't find ANY nice melamine plates for a sensible price. Can you believe that some I looked at (large chain department store) - dinner plate size were actually £8 each.....for melamine! Don't rule out Wilko's. We needed to replace our camping glasses & I've just bought some really nice big dark turquoise wine glasses & tumblers from there. Their camping/outdoor living section isn't at all bad,both for the essentials & more stylish bits & bobs, but as you'd expect, very seasonal,
    Right, better post today's list up before I lose the impetus.
    F x
    Last edited by foxgloves; 10-07-2017 at 10:57 AM.
    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 = £294
    • foxgloves
    • By foxgloves 10th Jul 17, 11:12 AM
    • 3,703 Posts
    • 18,255 Thanks
    foxgloves
    • #8
    • 10th Jul 17, 11:12 AM
    • #8
    • 10th Jul 17, 11:12 AM
    Morning Monday Money Savers,
    I don't know about all of you, but I need a good week. Grocery Shopping Week 1 went over budget by a depressing £12 at the weekend & I didn't think we even bought that much.........not our usual Aldi visit though. Other supermarkets defo noticeably dearer.
    *Entered 2 competitions & 1 prize draw.
    *Did rubber pork - it provided a roast dinner yesterday. I've frozen a container of slices for the same again & also have sufficient for a Chinese-style pork stir-fry tomorrow plus some to go in a stew at some point. Leftover gravy & veg also frozen for the latter.
    *Load of laundry done on cheap overnight tariff, also a quick 30 min wash at 30 deg. All line-drying in breezy sunshine. Washer reloaded for another half-price overnight wash tonight.
    *Make tomorrow's packed lunch.
    *Watered & fed veggie garden.
    *Book cattery......or we won't be going away & will lose our campsite booking money.
    *Did a few surveys.
    *Did ebay re-listings. V v slow at the moment.
    *2 baths from 1 lot of hot water.
    *Continue knitting Christmas present & my lovely new autumn scarf (easiest lace pattern ever).
    *Re-jigged this week's meal plans a little to make better use of our fresh garden produce.
    *Start investigating a legal issue prior to changing our wills. I am confident that we can sort out the writing of the new wills ourselves using a template & advice from government website, but there is a currently a clause which I think we will need legal help with, to 'undo' it, if that makes sense. Really need to get this done.
    OK, that's today's list. Off to find cattery phone number now.
    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 = £120
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £294
    • allydowd
    • By allydowd 10th Jul 17, 11:16 AM
    • 3,841 Posts
    • 24,035 Thanks
    allydowd
    • #9
    • 10th Jul 17, 11:16 AM
    • #9
    • 10th Jul 17, 11:16 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.
    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
    • allydowd
    • By allydowd 10th Jul 17, 11:18 AM
    • 3,841 Posts
    • 24,035 Thanks
    allydowd
    Prime Day Trick

    (Link)
    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
    • uphillstruggler
    • By uphillstruggler 10th Jul 17, 12:41 PM
    • 131 Posts
    • 721 Thanks
    uphillstruggler
    Happy Monday, everyone!

    Today I will/have:
    *check accounts
    *check recent payments and add to spreadsheet
    *food from stores
    *avoid expensive supermarket! Do not go there!
    *clean flat

    Have a lovely day, everyone.
    US
    Emergencies account: £200/500 CC (20/10/17): £652.50
    Groceries Nov 2017: EUR13.56/120 NSD Nov 2017: 1/10
    • fosterae
    • By fosterae 10th Jul 17, 1:51 PM
    • 4 Posts
    • 18 Thanks
    fosterae
    Hello all,

    I'm new to the forum. Drastic I know but I will be deleting the hungryhouse app from my phone.
    • FatVonD
    • By FatVonD 10th Jul 17, 5:39 PM
    • 4,940 Posts
    • 19,565 Thanks
    FatVonD
    Hello all,

    I'm new to the forum. Drastic I know but I will be deleting the hungryhouse app from my phone.
    Originally posted by fosterae
    I like your style!
    Make £5 a day in November £8.09/£150 (October £288.52, 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)
    • FatVonD
    • By FatVonD 10th Jul 17, 5:41 PM
    • 4,940 Posts
    • 19,565 Thanks
    FatVonD
    Chandelier, I have claimed a couple of times on my (son's) phone insurance and each time there has been a #70 excess to pay. If you have had your phone for some time (and therefore it's now not the most current model) have you checked to see how much it would cost to replace second hand?
    Make £5 a day in November £8.09/£150 (October £288.52, 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 10th Jul 17, 9:11 PM
    • 1,915 Posts
    • 12,872 Thanks
    PurpleFairy26
    Foxgloves have you looked at the free wills network. We did ours recently through them with the NT (you just fill in a simple form on the website) and they send you a form to give to solicitor. Ours was lovely and gave us additional pointers. We've made a donation when they get executed to NT in return, which is a) on,y fair for the service and b) is fair given how much time we've already used their facilities and enjoyed their cake worth a look.
    • PurpleFairy26
    • By PurpleFairy26 11th Jul 17, 6:10 AM
    • 1,915 Posts
    • 12,872 Thanks
    PurpleFairy26
    Morning all was working till very late last night an up early this morning for a day long meeting meaning I'll get nothing done and have to work again when I get home! Just having a coffee and catching up on here before I go at it for the day

    List for the day:

    Check banking, no movement, so made a PAD
    Getting lunch provided in meeting but taking some healthy snacks so not tempted by biscuits
    Hot drink for commute
    No washing on as it's going to rain, rain, rain later. Will save it and do it tonight.
    Something from freezer/planner for tea
    Make a cake later if I have time, maybe a throw it all in the breadmaker type one
    Last of left over fruit salad from the weekend for breakfast
    Quick shower using timer and then let hair dry naturally

    Enjoy your days everyone. Purps.
    • foxgloves
    • By foxgloves 11th Jul 17, 6:38 AM
    • 3,703 Posts
    • 18,255 Thanks
    foxgloves
    Morning Campers,
    Thanks PurpleFairy - I have heard of the Free Wills network.....I think the issue is that we need legally to 'undo' our 'Tenancy in Common' first, as we no longer wish to pass on our property in that way. May need a conveyancer/land registry for that bit x

    Today isn't a big planned day of money saving but will be keeping the faith: cheap overnight laundry tonight (big rain forecast today), rubber pork will be used up for tonight's meal, more knitting of Christmas gift, all the usual little good habits. I need to do a bit of local political stuff & I also plan to do some writing & research, so will be busy. I don't have the car so it will definitely be an NSD.
    Wishing everyone a productive day,
    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 = £120
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £294
    • La escocesa
    • By La escocesa 11th Jul 17, 7:29 AM
    • 2,924 Posts
    • 18,495 Thanks
    La escocesa
    Morning pals

    Welcome along Chandelier

    I can hear the rain battering down on the conservatory roof - putting me off getting ready/walking to work but I do like the exercise - must keep reminding myself of the positives!!

    Work has been a bit hectic but the main cause of my headache is in training all day today so hopefully I will get some work done rather than be distracted. She is annoying me more than usual because she has told me she is going to hand in her notice. Get on and do it then! And don't ask me to train you in the meantime...!

    Not much on the cards - just the usual with cheapo porridge brekkie and packed lunch (HM pot noodle), batch cooking tonight (should keep us out of trouble the rest of the week).

    I'm also looking for a new pair of sketchers go walk, a new pair of converse and a new pair of walking boots - not a lot if you say it quick!! I could definitely live without the converse, but the go walk is great for walking to work (my old pair lasted until the sole wore down completely so I know they will be a great deal) and my walking boots are at the stage where I can feel every little rock/stone on the road... Looking for the best deals..

    Also need to get on with kitchen shenanigans as we put it on hold - still need to find a plasterer/tiler
    • La escocesa
    • By La escocesa 11th Jul 17, 7:34 AM
    • 2,924 Posts
    • 18,495 Thanks
    La escocesa
    Oh, did I tell you I sorted my mortgage? Went onto another deal with current provider. Didn't change the term so that meant I could switch online with no checks, not needing to send any evidence etc. Was v happy with the deal - moving from 3.45% to 1.23%. I could've gone for an even lower rate of 1.18% but that came with a higher fee so didn't bother as works out as more over the 2y fixed IYSWIM.

    Next time I may look to reduce the term/pay more per month, but seems silly to do that while we have higher interest stuff to pay off.

    Glad I didn't need to go through their mortgage advisor as he was looking into 'paying off the loan and adding it to the mortgage'. What? So not paying it off at all?!
    • La escocesa
    • By La escocesa 11th Jul 17, 7:46 AM
    • 2,924 Posts
    • 18,495 Thanks
    La escocesa
    I'm also looking for a new pair of sketchers go walk, a new pair of converse and a new pair of walking boots - not a lot if you say it quick!! I could definitely live without the converse, but the go walk is great for walking to work (my old pair lasted until the sole wore down completely so I know they will be a great deal)
    Originally posted by La escocesa
    Result! Prime Day deal Sketchers were £60...down to £19.54...then 20% off for prime day and then I save 3% by buying a gift card through my work's loyalty scheme! I am well chuffed with that! £15 for a £60 pair of sketchers.

    OK, I will stop spamming the thread now and go get ready for work!!!
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