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  • FIRST POST
    • determined new ms
    • By determined new ms 4th Sep 17, 6:39 AM
    • 6,429Posts
    • 36,624Thanks
    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 '16 £2874.33 Roadkill £28.25
    Wombling YTD £2839.06/Roadkill £8.58
    SFDs Sept 6/18 CC saved £2372.50 Veg grown £376.20
Page 5
    • foxgloves
    • By foxgloves 9th Sep 17, 4:59 PM
    • 3,629 Posts
    • 17,648 Thanks
    foxgloves
    Hello Saturday Savers,
    Quite a good day today. Having said that, we are treating ourselves to a takeaway tonight......an 'end of holiday' treat. Zero effect on bank account though as we both agreed that if we were to have one, we would each kick in the relevant money from our Personal Spends. Anyway, here's today's little wins:
    *Got the last few groceries for the week ahead - still £5 under this week's budget.
    *Did a few surveys.
    *Paid in a cheque.
    *Used 1 kg of our homegrown tomatoes to make soup for lunch - froze 4 extra portions.
    *Golden lentil soup currently in the slow cooker, using up some ham stock found while defrosting the ice-monster's home yesterday.
    *Did a load of laundry overnight on cheap tariff. No chance of line-drying with all the showers today, so gave it a morning on the heated airer to start drying for free before switching it on to do the job properly.
    *Paid 2 more 50ps into my sealed pot & rounded up small change for shrapnel jar.
    *Updated grocery budget sheet, which lives in the front of my diary along with the meal plans.
    *Moved some funds around to keep other budgets straight.
    *Energy bill arrived......we are in credit, but I'm not sure why it says that it's a 'replacement bill'. Will investigate this when I have more time.
    *Water greenhouse veggies - I'm off to do this next. Everything's getting to the end in there now, but I am still picking tomatoes, peppers, chillies, basil & grapes, so it's worth keeping it all happy.
    *Knit for craft stall. Will defo do this tonight. I can knit socks without looking at the pattern, so will be able to watch something good on TV too, or maybe start a boxset or something. Life is very stressful at the moment with my Dad so poorly, so I'm trying to do something relaxing in the evenings to try to stop my brain going round in circles over stuff I simply can't change.
    OK, off to the greenhouse. Have a nice evening all.
    F xx
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = £120
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £246
    • Lottebear
    • By Lottebear 9th Sep 17, 8:06 PM
    • 740 Posts
    • 3,247 Thanks
    Lottebear
    Hello,

    Had a good few days

    Popped to the cinema with DD £2.50 at our local cinema, compared with £11.50 at the multiplex. Two people parking drinks and Sweets all for under tenner and supported a local business too.

    Picked up 4 packs of lean minced beef for 95p each in reduced section and a chicken breast in sauce, filled the freezer.

    Read the meters to ensure accurate billing, although it is cold here so I have put the heating on.

    Surveys ongoing for Christmas spending money.

    Agreed a start date for new job, one more week of being a lady of leisure and long list of jobs to do.
    • La escocesa
    • By La escocesa 9th Sep 17, 8:39 PM
    • 2,884 Posts
    • 18,190 Thanks
    La escocesa
    Evenin' kidz

    Wow, 1LL - that's some weight loss

    I had a more productiveday than I originally thought.

    Tackled the conservatory - wow, what a lot to do... I'll need to post a before and after (when I get there!) as you wouldn't believe it!

    Walked the dog - free exercise and all that

    Need to chop up some YS lemons (35p for 4) that I got yesterday for the freezer - the only way I have lemons in the house these days.

    WM on quick wash; drying on airer rather than TD

    OH got home early so he's cooking tonight

    Just watching TV and drinking some vino now. Might read my free ebook later.

    Can't actually think of any more of that 'productive' stuff I mentioned earlier

    xx
    • 1LuckyLady
    • By 1LuckyLady 10th Sep 17, 8:22 AM
    • 479 Posts
    • 4,858 Thanks
    1LuckyLady
    Thanks La E, I've just got to keep working at it as still have a lot of weight to lose but it was a lovely feeling yesterday

    After I'd posted yesterday my parents popped in to give us some plants for the garden that they'd bought for us, so we repaid them in coffee

    Today list
    * Book gym classes for the week ahead to keep me on track Done
    * Cook meat for Sunday lunch Done and plenty left for another meal tomorrow and sandwiches also
    * Empty 2nd fridge (as not much in there until Mr T delivery comes later in the morning) and give it a good clean out. Done, its all nice and clean and organised
    * Freezer inventory needs updating as I've not crossed off the rhubarb/fruit mix and meat joint off that we've got out for today
    * Make dh & ds2's lunches for tomorrow Done, actually made them for 2 days
    * Keep a discreet eye on ds1 as he does his first school cooking homework - chocolate chip cookies They didn't come out quite right but tasted good and were a nice dessert after lunch - just had to keep one back that he has to hand in to school on Wed
    * Check online to see if the library books we've reserved are available Not ready to collect yet
    * Picnic tea in front of a movie tonight with the kids
    * Share bath water later & continue using up various open lotions and potions

    That's is for now.

    Hope you all have a good Sunday.
    Last edited by 1LuckyLady; 10-09-2017 at 3:26 PM.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • crazy_cat_lady
    • By crazy_cat_lady 10th Sep 17, 8:37 AM
    • 3,327 Posts
    • 28,584 Thanks
    crazy_cat_lady
    Morning all
    Yesterday went as planned - I didn't even leave the house It was nice, bestie came over for coffee and a catch up (and a slob on the new sofa) and then the boys went to watch Sunderland lose at football (nothing ever changes there). I sat on my bum and watched tv with dd and did a load of crochet, which was lovely. Mr T brought the big shop, with £4.65 taken off in brand match savings. Happy days.
    Today has to include a bit of school work unfortunately but I did have the day off yesterday. Hopefully it will only be an hour or two. I'm also going to visit my mam for a catch up - going to take my crochet with me to do as I have a lot to do between now and Christmas and I don't want to stress out.
    1LL - congratulations on the new you. It must be such a good feeling to buy clothes in a smaller size. I hope to get there one day.
    Foxgloves - I desperately need some of your love of growing and cooking food. I bet your food tastes amazing. I wish I could find a love for it.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • allydowd
    • By allydowd 10th Sep 17, 9:06 AM
    • 3,831 Posts
    • 23,938 Thanks
    allydowd
    Hi All,

    Had a lovely holiday...and now back to trying to sort out Housing-ma-geddon:



    Debt Free-Nillionaire Continuity Plan Year Three:

    * Added more of our unwanted things to Freecycle. Why do people say they'll come and collect stuff and then pull out or not show up?

    * Viewing a flat to rent in the next town to fix housing problem. Taking a list of questions with me. We're viewing another tomorrow. I think I would prefer Property A and DW would prefer Property B.

    * Using up what's in the freezer.

    * Try to keep my emotions under control and try and just keep moving forward.




    Onwards and upwards.
    Last edited by allydowd; 10-09-2017 at 9:24 AM.
    Debt-free day: 8th May 2015
    The Joy Account: £1700
    Survey Rewards 2017: £100
    Swim for Sanity: 4000m
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • determined new ms
    • By determined new ms 10th Sep 17, 9:09 AM
    • 6,429 Posts
    • 36,624 Thanks
    determined new ms
    Morning 1LL & cat and everyone else who comes along. Ahhhhhhhhhhhhhh day 2 of 3 days off. We're off out to a working farm with a play park with friends shortly. It's free to go and I'll take snacks and drinks (although they ask you not to )

    Will check tyre pressure

    Will go to the allotment for a bit. Need to get on top of it! Might beg oh to come as well as always get a lot done when he's there.

    School uniform drying on line. It's set to drizzle lightly around 2 so must get it in then!

    All meals from stores - meat(less)balls for dinner. Make extra for oh's lunch tomorrow

    bake apple cake & courgette cake & freeze some

    make batch of courgette curry ala Mrs F

    list some items on fleabay

    games this afternoon/evening

    exercise for free

    Ok that'll do! Happy Sunday guys
    DF as at 30/12/16
    Wombling '16 £2874.33 Roadkill £28.25
    Wombling YTD £2839.06/Roadkill £8.58
    SFDs Sept 6/18 CC saved £2372.50 Veg grown £376.20
    • carrielovesfanta
    • By carrielovesfanta 10th Sep 17, 10:56 AM
    • 1,179 Posts
    • 8,445 Thanks
    carrielovesfanta
    My dentist told me I looked like Nanny McPhee
    Originally posted by princess_pea
    Your dentist is a cheeky £$%^

    I'm sure that he is a veritable Adonis


    I'm also sure that you are very beautiful just as you are. Clearly your hubby thinks so.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • DawnW
    • By DawnW 10th Sep 17, 11:11 AM
    • 4,497 Posts
    • 34,339 Thanks
    DawnW
    Congrats on the weight loss 1LL, I really need to get my act together on this

    Dawn/DNMS,
    I've been thinking quite a lot about the Challenge & why NSDs don't seem to be much of a motivator for me on the money-saving front.
    F x
    Originally posted by foxgloves
    Me neither Foxgloves, I have a list of things we need / that need replacing, and if I see one at a bargain price, I am going to buy it, so long as I have the money for it and it doesn't leave us short. Most of said items cost under £5 secondhand, but would cost far more bought new at full price I bought a dress (unworn) a pair of boots (unworn) and a top (has been worn but in v. good condition) for £4.40 this morning at a car boot sale

    I think I am probably stricter than most as to what constitutes a NSD. For me it is when nothing is spent at all apart from the direct debit bills going out. Like you, I am finding the challenge useful to focus, as we have run down our savings quite a bit this year too.

    Popped to the cinema with DD £2.50 at our local cinema, compared with £11.50 at the multiplex. Two people parking drinks and Sweets all for under tenner and supported a local business too.
    Originally posted by Lottebear
    Amazing cinema prices Lottebear

    Anyway, beside all this, todays plans:
    Good dog walk first thing, he got a move on for a change
    The chilled food seller was at the boot sale again this morning, and I managed to get 3 nice gammon joints for £10. Now to play freezer tetris trying to fit them in This business sells cheeses, bacon, pies, sausages etc at all the local markets etc, good quality, spotlessly clean chilled van and good prices, so although I don't buy the pies and ready meal type things, it is always worth checking out the cheeses, bacon etc He often throws in a freebie too - the gammon joints were nominally £6 each or 2 for £10, but he gave us an extra for free, as he thought the ones we had chosen were a bit smaller than some of the others

    HM meals - soup for lunch and chicken for dinner
    Water greenhouse - I have salad leaves and soft herbs such as coriander and basil in my tiny one
    Pick raspberries, blueberries and French beans
    Squish more caterpillars on my poor kale plants
    Ought to think about some housework
    Check for surveys

    Hope everyone has a good day
    Grocery spends for September £143.05 / £160.00 (includes milkman's bill)
    SFDs for September 5/18
    • carrielovesfanta
    • By carrielovesfanta 10th Sep 17, 11:35 AM
    • 1,179 Posts
    • 8,445 Thanks
    carrielovesfanta
    Hi folks! C'est moi. Back from a long time away.

    I have missed catching up with you all but I just find it hard to log in every day, then I miss stuff and wish I hadn't. Life has been very hectic as usual and I'm still suffering from the dizzy spells that started at the beginning of the year, which kinda sucks.

    I'm also trying to look after myself more after having to take time off work with stress, and then moving straight back into extended hour days. It's not a good thing for anyone, and I have decided that I'm not interested in living my life like this. I've got a couple of thoughts and plans up my sleeve though. When my line manager is back, I want to discuss dropping one day a week (but moving the hours to other days). I am also trying not to put too much pressure onto myself to get too much done. I tend to make very long lists and then either knacker myself doing them or get frustrated that I can't do everything in one day

    I feel a bit of a fraud being on a thread that encourages you to cut down on your spending because ours just goes up and up. You would all be horrified if you saw my grocery budget all this saving the planet malarkey comes at a price apparently... also OH eats loads now (which is great). He's put on loads of muscle and lost fat... he looks amazing. But I have to keep him in protein. If anyone has any cheap, high protein recipes, you have an avid listener.

    Having said that, we are coming to the end of the survey season at work and so my brain can be freed up for other things. I'm already thinking about meal plans, budgets and ebay.

    Enough of my rambling. Today's list:
    • All meals from plan
    • Log calories in free mfp app
    • Check what meal prep needs to be done for tomorrow.
    • Charge phone in work -done
    • Reconcile budget sheet
    • Ordered some very thick weatherstrip on the hopes of reducing the draught through the front door this winter (you can actually see daylight around our front door...) I've never found any thick enough but this might do the job. -done
    • Treat ourselves to a drink at our fave cafe (if OH not too sleepy - he's had lots of gigs this weekend). money from planned fun fund spends. This is a regular Sunday thing which we both enjoy
    • Free mindfulness app this evening (part of my self-care plan)
    • Poss free stretching video (I find this hard to do when OH is about)
    • Poss some crochet. I am currently working on the Sunshine and Showers crochet-along. It's a gorgeous sampler blanket, You get a piece of the pattern each month but I am behind (sitting forward can make me feel dizzy). I am almost half caught up with August. September should be revealed sometime about now.
    Hope you have a lovely day all. It's pretty grim weather here, but still preferable to the insane heat we had earlier in the summer!

    clf x
    Last edited by carrielovesfanta; 10-09-2017 at 2:26 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • FatVonD
    • By FatVonD 10th Sep 17, 11:52 AM
    • 4,795 Posts
    • 18,623 Thanks
    FatVonD
    Hello all, a late start for me today as I had a lie in.

    After a whole nine days off parts of the house are still looking a bit chaotic and there are still things I haven't done but, all in all, I am pleased with the stuff I *have* got done.

    I set up the computer/printer etc on the new desk in the wee small hours, it looks lovely and I have so much space to work and do the crafting element of the cards. I've put back all the furniture but I still have random stuff (in just about every room) hanging around waiting to be sold but it's not light enough for good pics today. Maybe I'll just round it all up and put it in one place.

    I've had a little flurry of bids on one thing on eBay so at least I know that will sell.

    I want to sort through my filing cabinet today, I think I need to be ruthless. When I was feeling overwhelmed by it all I bought a concertina file and started afresh with just recent stuff in it, this was about three years ago now so I reckon a lot of the other stuff can go now!

    A visit to my mum is in order, I'm planning to do that mid afternoon so I can be back in time for the YS sandwiches. The place I'm working in tomorrow is in the midst of regeneration and is apparently like a building site so no supermarkets nearby if I don't take lunch and snacks. I'm really not looking forward to it, they 'hot desk' also which I'm going to hate but it's another weeks money in the coffers before I start on the new venture.

    Lunch will probably be quiche and I may do a roast dinner tonight, I have everything in for it already.

    Have a good day, all
    Last edited by FatVonD; 10-09-2017 at 12:02 PM.
    Lunches brought to work in September 6/20 Money saved to date £13.07 (compared to spending three pounds on a meal deal.)

    Make £10 a day in September £288.05/£300 (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 10th Sep 17, 12:15 PM
    • 4,497 Posts
    • 34,339 Thanks
    DawnW
    Welcome back CLF
    Sorry to hear you have had health problems. Hope your idea of dropping a day comes off


    Poss free stretching video (I find this hard to do when OH is about)
    Originally posted by carrielovesfanta
    Is this because he would laugh? I know mine would!
    Grocery spends for September £143.05 / £160.00 (includes milkman's bill)
    SFDs for September 5/18
    • carrielovesfanta
    • By carrielovesfanta 10th Sep 17, 12:24 PM
    • 1,179 Posts
    • 8,445 Thanks
    carrielovesfanta
    Welcome back CLF
    Sorry to hear you have had health problems. Hope your idea of dropping a day comes off



    Is this because he would laugh? I know mine would!
    Originally posted by DawnW

    Thanks Dawn!

    No... he does join in sometimes but (and this will sound silly I know) but we get so little time together, I feel kinda bad if I go off to do something without him
    Having said that, it's never stopped him from having 2 hour long bubble baths on my days off, so maybe I should just go for it
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • allydowd
    • By allydowd 10th Sep 17, 1:31 PM
    • 3,831 Posts
    • 23,938 Thanks
    allydowd


    We just paid a holding deposit on a flat!
    Debt-free day: 8th May 2015
    The Joy Account: £1700
    Survey Rewards 2017: £100
    Swim for Sanity: 4000m
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • determined new ms
    • By determined new ms 10th Sep 17, 2:24 PM
    • 6,429 Posts
    • 36,624 Thanks
    determined new ms


    We just paid a holding deposit on a flat!
    Originally posted by allydowd
    congratulations
    DF as at 30/12/16
    Wombling '16 £2874.33 Roadkill £28.25
    Wombling YTD £2839.06/Roadkill £8.58
    SFDs Sept 6/18 CC saved £2372.50 Veg grown £376.20
    • 1LuckyLady
    • By 1LuckyLady 10th Sep 17, 3:20 PM
    • 479 Posts
    • 4,858 Thanks
    1LuckyLady
    Ally, Congrats!
    Clf, lovely to see you back posting
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • foxgloves
    • By foxgloves 10th Sep 17, 5:22 PM
    • 3,629 Posts
    • 17,648 Thanks
    foxgloves
    My post has been eaten.
    F
    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 = £246
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