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    • determined new ms
    • By determined new ms 4th Sep 17, 6:39 AM
    • 6,736Posts
    • 39,278Thanks
    determined new ms
    What small DFW things will you do this week? w/c 4 September
    • #1
    • 4th Sep 17, 6:39 AM
    What small DFW things will you do this week? w/c 4 September 4th Sep 17 at 6:39 AM
    What small DFW things will you do this week - w/c 4 September
    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 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
Page 3
    • FatVonD
    • By FatVonD 6th Sep 17, 9:25 AM
    • 5,106 Posts
    • 20,570 Thanks
    Morning all, that sounds like quite a haul, La E, I never think to shop for food at M&S.

    I was woken early by the furry, black thing purring and nuzzling me, who needs an alarm clock?!

    I need to package and drop my eBay sales to the shop. I have another buyer worrying they won't get their item by the weekend but they ordered late Saturday night and they live in NI. I hope they don't think they can return it if it doesn't arrive in time, I actually dropped it at the shop at 8am on Sunday morning so I have done as much as I can but there are no collections on Sundays.

    Today I need to design a logo (hate doing logos) and contact the designer of a font I want to licence to do it all legit, I don't want to steal it even though he is in the Philipines and would never know because I wouldn't like it done to me.

    I want to empty some stuff from my car and photograph some more stuff to sell while the sun is shining. I have a man coming to fit my new desk/shelf/thingy on Saturday and I've managed to fund it with selling stuff with some change left over.

    I'm going to apply to my local council for a start up grant, I just hope it won't backfire with them wanting to charge me business rates. Maybe I will make a few enquiries first.
    Make £20 a day in March £0/£620 (February £602, January £883.66)

    December £361.54, November £322.28, 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) Total for 2017 - £2,495.10
    • DawnW
    • By DawnW 6th Sep 17, 9:28 AM
    • 4,876 Posts
    • 38,253 Thanks
    Morning all
    Hoping for a productive day today
    Moneysaving bits so far:
    Refilled posh handwash container in bathroom (with original contents this was a gift) with Sainsburys own brand handwash which is good quality, the same pretty blue colour, and to be honest I can't detect any difference! The bottle does look prettier than the Sainsbugs one though
    Tidied kitchen - can't do the food stuff intended today till this is done!
    Sorted out the random bowls of tomatoes that I had everywhere - green ones once again separated from red (for obvious reasons this needs doing regularly) yucky ones in compost, and very ripe ones chopped up in processor to make chopped tomatoes. Froze these!
    Picked a few red chillis, got the rest of the red ones out of the freezer to deseed for a batch of chilli jam once they warm up a bit Had a bit of a disaster here, the recipe says 'jam sugar'. I had in the cupboard preserving sugar, which I assumed is the same - it isn't, it didn't set, and I now have 6 jars of sweet chilli sauce. Not all bad I suppose, but I will remember the distinction (Google tells me that jam sugar has added pectin, and preserving sugar is just sugar!).
    Load of washing in

    Still to do:
    Peg washing out once done, as it looks to be a nice day today Done, all dry and waiting to be put away (ironed in a few cases)
    Found a nice recipe for courgette, pea and pesto soup that I will try Didn't get to this
    Do daily scan of fridge contents to see what needs using or freezing Found some peppers that are getting a bit soft, used some of these chopped up for the stale bread pizzas I made, chopped the rest and froze.
    Check banks Still to do
    Check for surveys Just a few for onepoll so far
    Work on shopping list - but I see no need to go today (and I will strangle OH if he goes again without a list ) In progress, will probably go tomorrow
    OH out this afternoon / early evening and there will be a BBQ - so no need to cook dinner tonight, plenty of bits to eat OH bought back an unopened bag of salad and some cakes, free food
    Sort out one drawer - getting cluttered again
    Some cleaning

    OK, coffee break then best get on!
    Last edited by DawnW; 06-09-2017 at 6:37 PM.
    NSDs for March 7 / 18

    • 1LuckyLady
    • By 1LuckyLady 6th Sep 17, 6:17 PM
    • 691 Posts
    • 6,682 Thanks
    Afternoon all,
    HK, congrats to your dd
    CCL, hope you had a better day!
    Dnms, glad your morning routine worked better for you this morning.

    Its the first chance I've had to check in today and I haven't even looked on the challenge post (think I'll abandon that this month - not the actual doing the challenge just not time to read and post properly)

    Todays list
    * Breakfast for kids at home - working my way through the cereal packs at the back of the cupboard - will not buy more cereal until they are all gone
    * Gym class done and refilled water bottle there - works out to be less then 80p a class so getting great value.
    * Home for my breakfast, egg on ys bread from the freezer (as I have this at about 11am no need for a lunch )
    * 2 loads of washing, washed on the quick 30 degree wash and now out on the line to dry
    * Hoovered round just the areas that needed doing
    * Washing hung straight away from the line with only 3 things that will need ironing
    * Cut open a bottle of shampoo so that we use it all
    * Put a casserole in the slow cooker using meat & veggies from the freezer as part of use up, there will be plenty for me & dh tonight and us all tomorrow night with dumplings I have in the freezer
    * Kids finishing off leftover quiche and salad for their tea
    * General tidying around - trying to get everything straight now the kids are back in school.
    * Rounded up veggies in the fridge that are going off, chopped some peppers and a couple of courgettes put them into the freezer for the next stew or spag bol
    * Changed planned delivery date for a musc!e food order, moved it forward a week as I have enough to keep using up before I need this.
    * Posted rm surveys and prepped next weeks items
    * Walked to the school bus stop this afternoon rather then collecting ds2, this year I'm having him back on the bus after last years problems, a little saving of 4 miles fuel/wear & tear! "Small things"
    * Checked banking/updated spreadsheets
    * Opened up a regular saver account for both of us and set up the standing orders needed
    * Making families sandwiches for tomorrow
    * Froze a couple of crusts of bread, will use these for cheese on toast at some point.

    Think that's about it!
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • Lottebear
    • By Lottebear 6th Sep 17, 6:29 PM
    • 778 Posts
    • 3,562 Thanks
    Hello Everyone,

    So far so good, yesterday was a NSD!

    Went foraging for sloes
    DD had a friend over and they played all morning.
    Went to the park

    I have cashed in £40 from survey and working towards others, purchased another Christmas gift, the stash is growing...

    Food at home today, left over pasta meatballs tonight.
    Might go to softplay as it raining.

    Keep a watchful eye on the budget as I not working currently, I have put 2 spends on my CC so I need to keep some money back for them.

    I need to keep an eye on my gas bill as it has gone up dramatically but I don't know why. I thing the clock might be incorrectly set.
    Originally posted by Lottebear
    Hello All,

    The gas bill got sorted it was estimated and no way near as high as I thought, thank goodness.

    Popped into town today, got some cosmetics that will see me through the rest of the year.

    Purchased a new baby gift in the sale.

    Listed some old toys on Ebay whilst the child was at school.

    Managed to get hold of some at Yougov as I haven't had any survey for a year apparently they have reset my account.

    Cooked food at home.
    • crazy_cat_lady
    • By crazy_cat_lady 6th Sep 17, 7:02 PM
    • 3,418 Posts
    • 29,331 Thanks
    Evening all
    Thankfully, today went much more smoothly than yesterday - I had lovely classes, but I do have a 2 hour lesson with year 10 again tomorrow I've planned carefully, which is as much as I can do - I'll just need to see how it goes otherwise.
    I've bagged another nsd, just by being generally busy. Made omelette for dinner.
    DFD 6 Nov 15 - paid £28,447
    • determined new ms
    • By determined new ms 7th Sep 17, 6:47 AM
    • 6,736 Posts
    • 39,278 Thanks
    determined new ms
    Morning I can hear madam stirring so that is my cue to start getting ready

    Working today. Hope to be efficient and productive. Was super organised when I left on Tuesday as have a initial meeting with a new client in one town at 10. Have brought things to do at the library between 8.30-10 will park for free 10 mins away from library and power walk to and from car to chalk up some free exercise

    tie hair back rather than wash

    make note of expenses

    Have put together my *lunch* (I no longer have a lunch break but cannot wait until 3.30 to eat! So having to take snacky bits I can eat on the go )

    Need to pop to SM on way home, hope I have enough time before picking up madam.... Have written a small list & will take a carrier bag

    want to make a raspberry sponge cake to use up raspberries picked yesterday

    friend coming round for dinner and hot tub this evening. Free socialising Must remember to fire it up when I get in

    continue going through larder to make up a "use it up" box

    contact ds as it's his birthday today <3

    check onepoll

    Ok that'll do!
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • PurpleFairy26
    • By PurpleFairy26 7th Sep 17, 8:12 AM
    • 2,059 Posts
    • 14,000 Thanks
    Morning all your days sounds very productive DNMS I've some things to do here, am WFH again but my parents are kindly coming to take my small out for a few hours so I can get some done so I must be uber productive in that time. Other things:
    Check banking, surveys and FPL
    Get a few things from 'stores' aka the garage and top up various pots in the kitchen, porridge, fabric softener, DW tabs, sultanas. Found a wm cleaner in there so have out that on.
    Made DD packed lunch. All hm - wonder whether that will last past week 2 hope so
    Remembered (just ) that I had put pizza dough on last night in BM. Must split in two, make pizza pinwheels with one half and freeze the other
    Put 2 loads of washing away
    Walk with friend tonight

    That'll do for now. Enjoy your day. Purps.
    • FatVonD
    • By FatVonD 7th Sep 17, 10:53 AM
    • 5,106 Posts
    • 20,570 Thanks
    Morning all, it's a late start for me as my mind wouldn't switch off and I was still awake at 4am. I didn't but I need to make a new rule never to buy anything when I am sleep deprived, some of the carp I was considering doesn't bear thinking about.

    I did however come up with a logo idea so that's my job for today (just as soon as I've finished my tea!)

    I need to pop to the bigger Mr T to get some value cat litter, toilet rolls, bread, potatoes and eggs. I'll have a quick look in the freezer before I go for dinner inspiration.

    Must ring S@ntander, I foolishly paid some savings onto an old CC which now has a credit balance, I need this moved to the account I pay my mortgage from.

    Need to ring Vlrgin and find out why they think I am a month behind again with DSs contract. I also still need to update his CV so he can apply for the job at the pub his friend works at. I feel like a bad mum putting my stuff first but I am the main (only) breadwinner and if I go down we all go down.

    I'd like to photograph some stuff for selling if I get the chance, I must make time as the extra money, if I can make some, will come in really handy.

    Have a good day, all!
    Make £20 a day in March £0/£620 (February £602, January £883.66)

    December £361.54, November £322.28, 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) Total for 2017 - £2,495.10
    • princess_pea
    • By princess_pea 7th Sep 17, 12:57 PM
    • 338 Posts
    • 2,714 Thanks
    Hello all,

    Back to reality for me after spending a long weekend in Rome for our first wedding anniversary. Mr Pea and I loved it! We even brought back just over a quarter of the spends we took, which has been converted back into pounds and will be used for food shopping . Hadn't been abroad for seven years!

    I had the dentist on Tuesday which set me back £76 for a check-up and hygienist appointment (budgeted). I have been quoted £3500 to have my teeth straightened with braces for 6 months. Will someone please confirm that this is an obscene amount of money and that I should just live with wonky teeth??! The dentist is quite pushy and was telling me all about a 'training course' he's going to in Las Vegas, including a helicopter ride over the Grand Canyon. I'm guessing it's this sort of thing my £3500 would be funding! The dentist offers 0% finance which I could pay over 12 months but this would seriously impact our saving for a house. I shouldn't do it, right?

    I've worked out an extreme savings plan for next year which means we can save about £8,000 towards a house. We'll have around £800 for holidays which will probably be camping and one cottage holiday. I won't have any money for clothes which could be tricky! I know a house is more important than straight teeth in my heart...

    I'm now doing a compressed week at work, working full-time over four days and having a Wednesday off. I can't wait to spend more time with our pooch and having a breather mid-week. Fingers crossed it'll reduce the work stress I suffer from.

    Other than that, I did an Aldi shop on Tuesday so all meals from stores this week including taking lunch to work. Banking checked and savings moved in to various pots
    DFD 7/3/2016
    Shared Ownership Home bought 5/1/2018
    Long-Term Savings Pot £500
    • allydowd
    • By allydowd 7th Sep 17, 2:53 PM
    • 3,967 Posts
    • 25,259 Thanks

    I had the dentist on Tuesday which set me back £76 for a check-up and hygienist appointment (budgeted). I have been quoted £3500 to have my teeth straightened with braces for 6 months. Will someone please confirm that this is an obscene amount of money and that I should just live with wonky teeth??!
    Originally posted by princess_pea
    Shop around. That sounds like a lot of money.
    Debt-free day: 8th May 2015
    The Joy Account: £250

    Bold Bicycle Bonanza: 79.21 km
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • Happy Kitties
    • By Happy Kitties 7th Sep 17, 3:44 PM
    • 464 Posts
    • 3,724 Thanks
    Happy Kitties
    Back in the day princess-pea only a very few had braces, they were a rarity, now they seem to be the in thing. Personally for £3500 I would rather save for a house than have perfectly straight teeth. That's just my opinion but when I look at my teeth I always think would I have needed braces as I have a few wonky teeth, but if my gnashers work, they'll do me just fine. Once you have your house and feel like you really want them done and can afford then there is always the future.

    Banking and d.debits checked first thing-everything is controlled and budgeted for.
    Low spend day, DD just went out for value cat litter for me. Have been trying to hold off main shopping so I can use my voucher.
    It is the season for landmark birthdays. It always goes quiet for me during the summer but come the autumn it picks up again on the birthday front. Presents and quirky presents all bought and ready, it's just getting them ready to send. Have stamps from the royal mail surveys to pay for any postage.
    Have checked stores and I have more than enough to feed DD boyfriend this weekend (including a small YS m+s gammon that I will cook up for rolls) without going out of my way to spend extra. Really happy about this.
    Did my end of August balances and updated my spends book. Coming to the end of my DIY budget so I need to get saving again.
    I'm still tired from the weekend, leg really swollen. I'm at the hospital tomorrow aswell- I can feel a lecture coming on! I've been with the same specialist 20 years and it is only when he threatens to admit me that I truly listen!!
    Well thats about it from me, nothing else to report. Have a great evening everyone x
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=276.42
    • FatVonD
    • By FatVonD 7th Sep 17, 4:43 PM
    • 5,106 Posts
    • 20,570 Thanks
    Princess_pea, that is an obscene amount of money, if your teeth really bother you try a dentistry college!
    Make £20 a day in March £0/£620 (February £602, January £883.66)

    December £361.54, November £322.28, 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) Total for 2017 - £2,495.10
    • FatVonD
    • By FatVonD 7th Sep 17, 4:46 PM
    • 5,106 Posts
    • 20,570 Thanks
    Logo done, shopping done but none of my phone calls and no photographing.

    Good to see you posting, Ally, are you back from your holiday?
    Make £20 a day in March £0/£620 (February £602, January £883.66)

    December £361.54, November £322.28, 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) Total for 2017 - £2,495.10
    • determined new ms
    • By determined new ms 7th Sep 17, 6:14 PM
    • 6,736 Posts
    • 39,278 Thanks
    determined new ms
    Guys just checking in after work and reading all the posts I came over with a warm feeling of affection for you all

    princess I third that that is obscene! I agree with ally to shop around and even more with FVD about looking at teaching schools. Or better still use some of the money for therapy and learn to love yourself as you are, I have no doubt you are beautiful and as Tracey Cox once wrote "if you are the only naked woman in the room, he's going to want you"!
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • 1LuckyLady
    • By 1LuckyLady 7th Sep 17, 6:36 PM
    • 691 Posts
    • 6,682 Thanks
    Good evening all,

    PP, I too find that a shocking amount of money!

    Todays list
    * Kids continuing on the various boxes of cereal from the back of the cupboard for their breakfast
    * Gym class done and refilled water bottle
    * Met with a friend for our monthly catch up, 3hrs chatting and setting the world to rights - bliss I bought a coffee (and remembered to get the loyalty card stamped) also bought a sandwich as I had left my sarnie at home but I did choose the cheapest
    * Took back some gym tops to m& s i'd ordered (ordered 2 sizes and keeping the smaller )
    * Needed a new mouse for the computer, saw that £/shop had one so got that, much cheaper then the £7.99 one dh was looking at online for me last night!
    * Picked up dh's prescription from Mr T's, picked up a couple of ys'd gym bags for £1.50 each - perfect as I'd forgotten that ds1's old one was in a dire condition! Wasn't led astray buy the rest of the clearance section
    * Stuck chicken bones/veg scraps in the slow cooker to make stock
    * Made ds2's lunch for tomorrow (dh working from home tomorrow so don't need to do him one)
    * Washed a couple of loads on the quick 30 degree wash
    * Ran the dishwasher on the quick wash
    * Checked banking/updated spreadsheets
    * Tonights food is yesterdays left over casserole, kids have had theirs and I added in frozen peas & sweetcorn to pad it out a bit. Will do the same with ours later & add in a few new potatoes that are left from a salad the other night.
    * Kids had an ice pop out of the freezer as dessert as I'm trying to get them used up (they did have fruit as well!)

    I think that's about it for today
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • DawnW
    • By DawnW 7th Sep 17, 6:44 PM
    • 4,876 Posts
    • 38,253 Thanks
    Evening all
    I agree with others re the dental treatment. If you do decide to think about it Princess, at least get a second opinion / quotation from another practice. The dentist should not be pushy with regard to recommending expensive cosmetic work I was quite self conscious about my teeth not being straight when I was younger, but to be honest now I am older I am quite proud that they are clean, mostly still there and my own

    Busy day today, did a shop first thing, as OH was waiting for a friend to call in. Went to Mr S today, spent just over £38, but got extra stuff that I only buy quite rarely like dishwasher tablets and fabric conditioner. Also got a reduced biggish chicken. Used a 5 x Nectar points coupon

    Then decided to give our old camper van a run out, went to a local country park and had a picnic. Decided not to go in to the attraction, as it cost £10 each, the weather didn't look great and OH hadn't brought along his waterproof. We will go another time when OH is properly equipped - he would have wanted to come out immediately had it started to rain, and that would have been £20 wasted We took all food from home, and made our own coffee

    Squished more caterpillars on my poor kale plants They are under netting now, but these will be the result of eggs laid before they were covered up.

    Picked rest of quinces, they look pretty on cake stands and glass tazzas in the dining room at the moment, but I will cook and freeze them for desserts etc

    Also picked apples - all 4 of them
    We suffered badly from late frosts back in the spring, and not much fruit as a result The apple, pear and cherry trees are only babies so not a great deal expected, but the quince yield was reduced by about two thirds on last year. Still enough quinces though!

    Jacket potatoes tonight, with salad made from HG veg, with bagged lettuce OH brought back from an event he helped with yesterday. Also tuna mayo, made with a small can of tuna, half a tin of sweetcorn and a squeeze of mayo

    Did a couple of surveys, including a long one for Ipsos that looked as though it was written by someone with only a passing grasp of English, and had tech issues re the responses it was possible to give. So I was unable to give the answers I wanted to, and I assume others would have been similarly affected. If I were the company paying for this poor work, I would be very unhappy, because the results are likely to be of little use I provided feedback to this effect at the end of the survey!

    Still to do:
    Ironing - this may not happen
    Check banks
    Water pots that need it in the garden
    Rinse out old shower gel container in lieu of foam bath
    Last edited by DawnW; 07-09-2017 at 6:50 PM.
    NSDs for March 7 / 18

    • Happy Kitties
    • By Happy Kitties 7th Sep 17, 7:01 PM
    • 464 Posts
    • 3,724 Thanks
    Happy Kitties matter how old they get they are expensive to run!!!!!
    DD gave me a list of the bits left to get for uni, I've bought a couple, have been hunting around for the cheapest prices.
    Considering DD is in catered accommodation, DD has enough food and snacks to open a tuck shop. My mum sent over a load of goodies aswell. DD won't get short on the food front!!
    On a positive note, while I have been hunting around for bits, DD is cooking tea.
    My living room is trashed as DD has started to stack everything in there.
    Still a low spend day as used my bargain hunting skills-really pleased as at one time I wouldn't have done this
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=276.42
    • FatVonD
    • By FatVonD 7th Sep 17, 9:06 PM
    • 5,106 Posts
    • 20,570 Thanks
    I remember reading once, HappyKittied, to make sure they have coffee and lots of mugs so they can 'host' the other students and make friends quickly. I wish mine had gone to uni, not because I want to get rid of him but for the life experience.

    Again I couldn't be bothered to go down for the YS stuff so I cooked myself a cheese and mushroom omelette instead, it must do it more often, it was bloomin' lovely!

    I have finally updated DSs CV so hopefully he will be working again soon. I didn't get around to any phone calls but I did clean the bathroom and then had a bath quickly before the cat manages to flick cat litter everywhere again!

    I've sent my first three designs to the printer today and took delivery of a large quantity of envelopes and see through bags, I'm still trying to license the font but he hasn't even read my message yet.

    My eBay buyer is getting stressy that his parcel may not arrive in time, the thing had been up for weeks before he bought it, he should have bought it sooner, even a day sooner would have made a difference instead of buying late on Saturday night. Another one who ordered even later wants theirs before Monday but at least they are mainland UK so might have half a chance.
    Make £20 a day in March £0/£620 (February £602, January £883.66)

    December £361.54, November £322.28, 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) Total for 2017 - £2,495.10
    • princess_pea
    • By princess_pea 7th Sep 17, 9:35 PM
    • 338 Posts
    • 2,714 Thanks
    Thank you all, of course you are all right! My dentist told me I looked like Nanny McPhee as I have one slightly sticky-out top front tooth. It's really because of him I feel so conscious of it. It's not that bad really. I think I need a new dentist!!
    DFD 7/3/2016
    Shared Ownership Home bought 5/1/2018
    Long-Term Savings Pot £500
    • La escocesa
    • By La escocesa 7th Sep 17, 9:36 PM
    • 2,934 Posts
    • 18,576 Thanks
    La escocesa
    Hi gang

    PrincessPea - I love Rome too. Also loved that it was pretty cheap to eat out etc. I got dental treatment at a dental hospital - final year students and it was all supervised etc so nothing can really go wrong. Definitely worth a search. OH ended up being someone's final year portfolio because he needed so much work doing!

    I failed in my mission to make OH lunch for work... £6.10 it cost him for lunch! I was ok as a colleague bought us a pub lunch today. Took my own brekkie and had a free biccie as it was someone's last day. Ah, office life!

    In small things...found out OH can get a 9% discount from M&S so a whole 1% more than my discount.

    Oooh, we've got a proper coffee machine in the office too today. I will have my morning coffee there and save some nespresso at home

    Still not got home insurance. Don't know why I'm finding this difficult!!

    Night all - catch up soon!
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