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  • FIRST POST
    • determined new ms
    • By determined new ms 10th Jul 17, 6:34 AM
    • 6,606Posts
    • 38,102Thanks
    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 4
    • FatVonD
    • By FatVonD 15th Jul 17, 10:52 AM
    • 4,983 Posts
    • 19,784 Thanks
    FatVonD
    Morning all.

    It's the weekend and I plan to spend as much as possible of it at home if I can, to this end I'm thinking of booking a £1 Mr T delivery using a 50p clubcard voucher to pay for it.

    The plan of action today is:

    Take everything from upstairs that needs to be downstairs (washing, mugs, WBB/eBay sales.) Done

    Back up to clean bathroom and change bathroom cat litter. Done

    10% water change for the fish. Done

    Ring mum.Done

    Back down to:

    Accept mortgage fixed rate online Cant open PDF, will try at work on Mondat

    Send work samples for local job I've applied for. Done

    Wrap WBB/eBay packages and print postage labels. Done, and dropped at shop

    Load dishwasher. Done

    Load washing machine. Done

    Defrost chipolatas for roast dinner tonight. Done

    Pop to local Mr T for some YS sliced meat for roast. Done

    Then back up again to :

    Change bed sheets.

    Bring clean washing upstairs to iron.
    Last edited by FatVonD; 15-07-2017 at 3:57 PM.
    Make £5 a day in November £322.28/£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)
    • Happy Kitties
    • By Happy Kitties 15th Jul 17, 11:09 AM
    • 370 Posts
    • 3,013 Thanks
    Happy Kitties
    katy_ann hope the little one is doing better

    Me and DD are currently slobbed out on the settee. Went to the theatre last night to see a show that I've been dying to see for about 3 years, really enjoyed it but did get back late.
    Decided to get up at 6am to feed the cats and listen to sounds of the sixties but fell asleep on the settee at 7.30am
    Cat cleaning all done, they were nice to me, easy to do but the new kitten has trashed some of my paperwork. Going to be interesting submitting that with teethmarks
    DD wants to go shopping today but I don't want to go as I don't want to spend money. Need cat litter buying which I've asked DD to do.
    I'm hopefully going to Hoover upstairs and tackle some if the back bedroom today. DD has also said she would drop a bag of stuff off to the charity shop for me so need to make the most of DD helpful mood
    Still eating out of the freezer, really chuffed we still have good stocks in
    It's so nice to have a Saturday off where I'm not actually doing anything.
    Have a good weekend everyone x
    Last edited by Happy Kitties; 15-07-2017 at 11:13 AM. Reason: Spelling
    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
    • La escocesa
    • By La escocesa 15th Jul 17, 4:54 PM
    • 2,929 Posts
    • 18,530 Thanks
    La escocesa
    Hi kids

    Not long back from walking the dog. Shattered now! (That's my excuse for not doing any housework today )

    We've eaten frozen pizza for lunch and have some stuff in for dinner so hopefully don't need to go back out again. Yay.

    I guess I will tidy round in a bit too.

    I got my expenses paid yesterday - £600! So that was a nice little mid-month boost.

    Bit of the usual:
    Check banking/YNAB
    Read free ebook

    Not really much to say but thought I'd pop by anyway. Have a good weekend everyone!

    xxx
    • foxgloves
    • By foxgloves 15th Jul 17, 5:08 PM
    • 3,731 Posts
    • 18,441 Thanks
    foxgloves
    Hello Saturday Super-Savers,
    Busy day until now.....not sure how much of it is money saving. Let's see:
    *Parked in town for free.
    *Good value fresh fruit on local market.
    *Dropped off competition entry at local butchers.
    *Good deal on cat's favourite food at Wilko's. So grateful to whoever it was on here who flagged this up several months ago......may have been Bailey's Babe...tho does she have a cat? Anyway, the RRP of this brand of cat meat is £4.85 a box. Wilko's currently selling for £3.25. Made sure I bought next week's supply too as £1.60 a time saving adds up over a year.
    *YS pack of rolls for tonight's burgers.
    *Finished off a couple of odds & ends for lunch which needed using up.
    *Did my charity baking...for which I kept to a minimal spend & did not buy cake boxes.
    *Watered greenhouse veg.
    *Knit more of my new autumn scarf. Gifted yarn so no spend.
    Not money saving......did buy a few treats for tonight plus bottle of wine as mr f has had to work all day but our budget will stand those. Pre LBM it'd have been a take-away & the full works. Ok, well I'm going to walk up & down our long garden a few times to get my daily fitbit goal of a minimum of 7000 daily steps, then it's bum in chair time as mr f says he's cooking tonight.
    Enjoy your Saturday nights, 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 = £120
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £294
    • Spatton
    • By Spatton 15th Jul 17, 5:28 PM
    • 35 Posts
    • 35 Thanks
    Spatton
    Happy Kitties


    "Cat cleaning all done, they were nice to me, easy to do but the new kitten has trashed some of my paperwork. Going to be interesting submitting that with teethmarks"


    Had to reply to this as it made me laugh - reminded me of our sadly departed cat Binky who had a penchant for chewing government paperwork - and only government paperwork (not daft are they). More than once I submitted it with chew marks.
    • FatVonD
    • By FatVonD 15th Jul 17, 8:56 PM
    • 4,983 Posts
    • 19,784 Thanks
    FatVonD
    I've done everything on my list except the ironing (what a surprise!)

    The roast dinner was scrummy though I broke the tin opener trying to open a can of sweet corn so will now have to buy a new one

    Am now stretched out on my clean sheets with a defrosting pack of YS raspberries, what could possibly go wrong?
    Make £5 a day in November £322.28/£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)
    • princess_pea
    • By princess_pea 16th Jul 17, 1:41 AM
    • 337 Posts
    • 2,703 Thanks
    princess_pea
    Hi everyone,

    My insomnia seems to be back with a vengeance so I've just been doing some surveys and thought I'd catch up on here. Mr Pea and I have had a productive week...

    Found 5p roadkill
    Sold my wedding dress and a throw on Ebay. I'm a bit sad about the dress but I'll never wear it again! The money has gone into the house deposit fund
    Mr Pea continues to sell old games and consoles. He has a lot of these!
    Mr Pea also baked a sundried tomato and olive loaf today. Lush.
    Signed up for Nationwide Rewards. My banking switch went smoothly
    Opened a high interest regular savings account which along with the HTB ISA will act as our house deposit fund
    Booked airport parking for September using Martin's cheap airport parking links We're going to Rome for a long weekend (haven't been abroad for 6 years)
    Regularly checking banks and the budget for this month. It will be tight as usual!
    Cashed out £20 Boots vouchers from surveys which will buy me some new foundation as mine has run out
    Put our name down for an allotment! I'm very excited about this

    I'm on holiday from work next week but we're having a staycation. The truck is booked in for an MOT on Thursday so I think we'll treat ourselves to lunch out that day (I can't remember the last time we ate out). Other than that I'm just looking forward to not being at work for a whole week!
    DFD 7/3/2016
    Married 3/9/2016
    • FatVonD
    • By FatVonD 16th Jul 17, 4:03 AM
    • 4,983 Posts
    • 19,784 Thanks
    FatVonD
    Insomnia, what's that?

    It's my own fault for napping this afternoon
    Make £5 a day in November £322.28/£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)
    • determined new ms
    • By determined new ms 16th Jul 17, 7:56 AM
    • 6,606 Posts
    • 38,102 Thanks
    determined new ms
    Morning yippee day 2 of 5 off of work

    princess_pea yay to the allotment list hoping your experience of the waiting list will be the same as mine. Both times very short time between putting my name down and being offered a plot

    planning to go to the lottie for a couple of hours shortly. Yesterday cut down broad beans and harvested 2.5kgs of bean Have shelled just need to wash & freeze

    Also need to make courgette cake & today might be the courgette chutney making day (going to have to resort to giving some courgettes away I think!)

    checked bank accounts & reconciled accounts

    hang out yesterday's washing and do another load

    water greenhouse plants and sow some purple sprouting broccoli

    going to a friend's singing concert at lunchtime. It's in Whitstable so probably go to the beach afterwards

    photo and list a few things on face/fleabay

    think I'm going to restart on konmarie

    currently debating whether to go to the bootfair - just it cuts into allotment time and I would always rather be there than shopping!

    session on the exercise bike this evening

    listen to audio book

    free quiche for dinner - ds bought for me and has been frozen

    Ok think that's it although there's something else and I just can't remember!

    Happy Sunday to you all x
    Last edited by determined new ms; 16-07-2017 at 9:52 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
    • little pink purse
    • By little pink purse 16th Jul 17, 8:32 AM
    • 826 Posts
    • 3,657 Thanks
    little pink purse
    morning every one

    been a busy few days roll on days off

    today
    wash on
    checking banking
    all meals from stores
    try for a nsd

    have a great day lppxxxx
    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
    • crazy_cat_lady
    • By crazy_cat_lady 16th Jul 17, 9:18 AM
    • 3,374 Posts
    • 28,943 Thanks
    crazy_cat_lady

    I have survived exam season!
    It feels as though I've been gone for ever but it's been 6 weeks. Always tough at the time but looking back it's always worth it. There's still another paper to mark but compared to the 80-90 hours I've been doing per week at the moment that will be a breeze. I always say at the time that I won't do it again but then I think about how much I learn and how my bank balance appreciates it and it's all fine.
    As ever though, the carnage that is my home needs dealing with. It's worse than ever having been neglected for weeks on end. I've decided to use some of my extra cash to hire a skip over the hols and I'm going to properly declutter and then see about getting a cleaner in to help me stay on top of it.
    Just one week left of school and then bring on 6 weeks of recovery time.
    Looking forward to catching up on here and finding out what everyone is up to. I've missed my mse friends.
    RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • Happy Kitties
    • By Happy Kitties 16th Jul 17, 10:01 AM
    • 370 Posts
    • 3,013 Thanks
    Happy Kitties
    Spatton they are definately not daft although I caught our big thunder paws 2 year old ginger tom (I'm sure he has a growth hormone problem-weighed in at 6kg at the age of 1) happily eating one of my policies this morning.....now he is daft.....im sure he was copying the kitten but went one step further in eating the paperwork......thats after dragging my little molton brown gift bag(still with goodies in it) off the bedside cabinet.......again

    DD shut the kitten in the kitchen by accident last night. It's difficult to see as she is all black and the hall lights are out of action after a bulb blew and completely wrecked the whole light fitting. Have been putting off getting someone in as I will need a few jobs doing and it's just a case of saving up for the jobs to be done.
    The mess wasn't too bad this morning.......one very smelly accident, nearly dragged DD out of bed to clean up.
    Managed to do some hoovering yesterday and sort out more of the back bedroom. Having to be really careful at the minute as getting really bad swelling in the leg and foot, dreading Friday when I have my ortho appt.......can feel a row coming on.......but I can't see any signs of infection why they should be so swollen. Resting and elevating is helping but I always say the foot resembles a puffer fish!!
    More of working on the back bedroom planned for today and if I can get my mojo sorted, some ironing.
    Not sure about food, something quick and easy, I'll prob have the last of the current cooked Turkey steaks which have been yummy.
    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
    • ClootiesMum
    • By ClootiesMum 16th Jul 17, 10:49 AM
    • 1,480 Posts
    • 9,991 Thanks
    ClootiesMum
    Quick pop in - LaE - Great Expectations by Charles Dickens is also free on On Amaz*n just now - I use the talking books to catch up on the books I should have read
    • FatVonD
    • By FatVonD 16th Jul 17, 11:48 AM
    • 4,983 Posts
    • 19,784 Thanks
    FatVonD
    DNMS, could you set up a bit of a bartering system at the lottie with people that have grown different stuff? I too am hoping to bake courgette cakes today, I have given a few away to one of the YS regulars.

    Clootie's mum, was just thinking about you last night, you must be psychic! Good to see you pop your head round the door, hope all is okay.

    CCl, glad the light is at the end of the marking tunnel!

    Where's 1 lucky lady got to?

    Today will be spent pottering around inbetween a couple more loads of washing. I feel a bit more on top of the cleaning since the new dishwasher has freed up some time.

    I will be baking aforementioned courgette cakes, I have everything in so no excuse.

    Dinner will be early tonight (at what was called tea time when I was a kid!) It will probably be some YS chicken and mushroom pasties that I found with some home made chips, I am SO off oven chips.

    I did an online groceries order last night and used £30 of Clubcard tokens towards it, I'm usually all about the deals but I still have a restaurant voucher that's probably going to go to waste. I realised as I was going through how much my shopping habits have changed since I moved here (mainly on account of the YS stuff at such close hand), there was so much stuff I looked at and then thought , 'nah, don't need it/will wait until I see some reduced', I mostly just stocked up on stuff that my local one only carries the expensive versions of.

    The weight of the recent rain plus more new growth means I need to cut back some more of the rambling roses in the front garden so they don't snag on heads as we walk under. The dahlia that I found snapped and abandoned in the B and Q car park 2 years ago is growing this year (I thought it was a goner when I heard a snapping sound as I firmed it in when we moved in.)

    I am going to bingo tonight with my mum, I'd rather do something else but it will make her happy.

    Have a good day all
    Last edited by FatVonD; 16-07-2017 at 12:03 PM.
    Make £5 a day in November £322.28/£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)
    • DawnW
    • By DawnW 16th Jul 17, 1:55 PM
    • 4,658 Posts
    • 35,800 Thanks
    DawnW
    Afternoon all
    Just back from a weekend away (left on Friday), took food with us and stayed on a relative's land so not much spent. Even got to go to a vintage festival for free yesterday as the relative has 2 (scruffy) vintage cars, and he wanted OH to drive one of them to the festival, where they were to be an exhibit, in exchange for free entry for relative and his guests So, a nice day out for almost nothing (did buy a pizza to share for lunch) and a ride in a noisy, smelly old car to get there I have a hospital appointent tomorrow, so it all did a good job of taking my mind off it!

    I have taken the things out of the van that were needed indoors / need washing etc, and just had a lovely shower and washed my hair

    Need to water the garden and pick the produce that is ready
    Pork steaks from freezer for dinner later
    Will do some leftover rolls for (late) lunch
    Will sort out clothes, which need washing, which didn't get used etc
    Dog will want a walk later, but he is asleep at the moment, as he spent the morning chasing butterflies in the grass

    Early night tonight, I think!
    NSDs for December 3/15
    Decluttering 13/31

    • FatVonD
    • By FatVonD 16th Jul 17, 5:32 PM
    • 4,983 Posts
    • 19,784 Thanks
    FatVonD
    Sounds lovely, Dawn, was it Goodwood?
    Make £5 a day in November £322.28/£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)
    • ClootiesMum
    • By ClootiesMum 16th Jul 17, 5:53 PM
    • 1,480 Posts
    • 9,991 Thanks
    ClootiesMum
    Will catch up properly later but glad to see all are well.

    Bit of a SHTF scenario happened here - DH lost job - was unemployed for a week and has been in a new job for 2 wks. He's enjoying it but it's lower wages but there are benefits - he finishes at 5 each night and has weekends off. Driving me mad already

    I'll update later but belts are having to be tightened so will be back to join you to keep me on the straight & narrow
    • Happy Kitties
    • By Happy Kitties 16th Jul 17, 6:54 PM
    • 370 Posts
    • 3,013 Thanks
    Happy Kitties
    CCL glad that you survived exam season. DB and sis-in-law are teachers, they are desperate for the holidays now. As a friend once said to me housework will always be there tomorrow and u cant do everything.it will be good for u to get a cleaner in, in the holidays u can have some much deserved time for u
    Dawn hope everything goes okay tomorrow
    ClootiesMum sorry to hear that DH lost his job. Must have been a stressful time for u, good that he's found another job and there's no better place than here for keeping u on the straight and narrow

    All I have seemed to do today is cat clean. After kitten accident this morning, we had a litter tray accident and the big thunder paws ginger tom cat decided to get on a kitchen cupboard to watch out of the window and then promptly projectile vomited everywhere
    Have tried to get the beanie to wash from underneath my bed, have a replacement beanie ready, but that didn't work out well when the cat who occupies that space gave me the look of 'take my beanie and I take your hand'
    Don't feel it has been a particularly productive day. Did order quirky kitchen lighting I have been after. A friends dad is going to take a look at it, went to get the details, found it was reduced by £30 and then there was a discount code for 15% off and free delivery so snapped it up.
    Even though that was back bedroom savings eaten up, it is much needed and I also need to be saving for a hall light aswell, so back to saving up again. Why is DIY so expensive
    Well that's about it from me, off to elevate the leg.
    Have a good 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
    • foxgloves
    • By foxgloves 16th Jul 17, 7:15 PM
    • 3,731 Posts
    • 18,441 Thanks
    foxgloves
    Hi Sunday Savers,
    Mixed day today on the MSE front.
    Good things:
    *Grocery shopping a little over budget but did include next week's coffee & cat meat.
    *Went to a free event in town. Free parking.
    *Free coffees at Waitrose.
    *Picked home-grown courgettes & french beans.
    *Using leftover savoury mince from the last cottage pie I made for dinner on jacket potatoes.
    *After virtually zero interest all week, 5 ebay items sold today. Decided to re-list everything else in case it was an omen.
    *Knit more of my current project (gifted yarn).
    NOT so good things:
    *Had to buy new vacuum & although it was a good deal, it was around £100 more than the maximum I wanted to pay.
    *Also needed flea treatment for cat. I like to get a particular brand of this as it seems v effective......but £21 !!! Better than an infested house, of course.
    I'm planning to do my mid-month budget check-in tomorrow so will, as always, feel better when I've caught up with exactly how we are doing.
    Wishing evrryone a good week ahead.
    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 = £294
    • FatVonD
    • By FatVonD 16th Jul 17, 10:24 PM
    • 4,983 Posts
    • 19,784 Thanks
    FatVonD
    Sorry to hear about your DH's job, Clootie'sMum, but great news that he's found another. My own pay has slipped by quite a bit since the first time I was made redundant, at one point down to half but that was just a panic job I took for a bit of stability just after my dad died. It's crept up again since then but I don't think I'll ever earn again what I was earning ten years ago.

    The courgette and lemon muffins were a raging success with DS who hates courgettes I didn't tell him what was in them until he was on his second

    Both my mum and I won at bingo tonight so once we'd shared it we had £12 each I don't pay for the books but did pay for drinks (we take snacks with us) but I'd have paid for those whether we won or not so better that we did

    I also had an eBay sale while we were out
    Make £5 a day in November £322.28/£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)
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