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  • FIRST POST
    • determined new ms
    • By determined new ms 9th Oct 17, 7:22 AM
    • 6,534Posts
    • 37,530Thanks
    determined new ms
    What small DFW things will you do this week - w/c 9th October?
    • #1
    • 9th Oct 17, 7:22 AM
    What small DFW things will you do this week - w/c 9th October? 9th Oct 17 at 7:22 AM
    What small DFW things will you do this week - w/c 2 October
    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 10/15 CC saved £2372.50
Page 2
    • carrielovesfanta
    • By carrielovesfanta 9th Oct 17, 4:57 PM
    • 1,223 Posts
    • 8,865 Thanks
    carrielovesfanta
    Is anyone good with hanging baskets? Ours were fab during the summer (mainly fuchsias and petunias -and the odd MS tomato plant, too) and still going strong but I'm looking for ideas of what to do with them over winter. Anyone have any experience? Would love to get them filled with something useful for the winter and spring.

    US
    Originally posted by uphillstruggler

    My neighbour uses pansies if that helps?
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • uphillstruggler
    • By uphillstruggler 9th Oct 17, 5:39 PM
    • 119 Posts
    • 619 Thanks
    uphillstruggler
    Ooh, thanks. I will try that.
    Emergencies account: £200/500 CC (20/10/17): £652.50
    Groceries Oct 2017: EUR74.50/150 NSD Oct 2017: 9/10
    • arc2014
    • By arc2014 9th Oct 17, 7:11 PM
    • 102 Posts
    • 365 Thanks
    arc2014
    Morning all, sorry I went MIA again last week, but we've been given notice on our house and have to be out by the end of November! They've royally messed us around from day 1, so the sooner we're out the better! DH is already arranging viewings for some cheaper (Smaller! ) houses hopefully for this week so we should know where we stand. Just as I thought we were finally settled!


    Now on to the DFW stuff!


    - Pack up for everyone! Think poor DD is getting fed up of ham sandwiches everyday, but she isn't complaining so I just keep providing! I have soup that my mum gave me and DH has soup from home.
    - Weekly shopping after work - STICK TO THE LIST! - Done!
    - Washing to be hung out, it's quite windy so hopefully will blow dry! - Done!
    - Showered last night so I didn't have to dry my hair
    - Brought coffee from home this morning
    - Sort some things from the house to put on eBay, the perks of downsizing is I have a lot to sell now - we're even looking at selling the sofa!! We're lucky to have a VERY big living room at the minute, but our 3 & 4 seaters wouldn't fit in any other living room I don't think!


    That will do for today - hopefully some good news will come my way soon from one of the PDLs I've complained to!


    Happy Monday everyone!
    Originally posted by arc2014
    More bad news for me today... We're announcing redundancies tomorrow morning!! So I might be homeless AND jobless!!
    Logbook Loan 170.42/1000 · DC1 45/1420.32 · DC2 30/321.13 · DC3 11.75/11.75 · DC4 40/635 · Personal Loan 426.74/4800 · Overdraft 0/1200

    Lightbulb Moment September 2017 - DFD Christmas 2018!

    October NSDs 11/15 · £10 a day challenge £214.64/£500
    • PurpleFairy26
    • By PurpleFairy26 9th Oct 17, 7:37 PM
    • 1,885 Posts
    • 12,646 Thanks
    PurpleFairy26
    More bad news for me today... We're announcing redundancies tomorrow morning!! So I might be homeless AND jobless!!
    Originally posted by arc2014
    Sorry to hear this arc. Fingers crossed for you.
    • PurpleFairy26
    • By PurpleFairy26 9th Oct 17, 7:44 PM
    • 1,885 Posts
    • 12,646 Thanks
    PurpleFairy26
    Morning thanks for the start determined wfh so at least I don’t he’s to fight the commute, need to get ahead as I’m off next week and don’t want to be working until late on Friday to get everything done I need to. Today’s things:
    Packed lunch for dd made
    Tea from planner/stores
    Seller coming to pick up something from fleabay, one emptied, one to go
    Package up a couple more things that buyers have now paid and walk to post office
    Make a cake - might investigate red velvet, not made on before, sounds lovely determined
    Lots of work
    Some sort of exercise later
    Have a look at a few activities we want to do next week. Work out best ways to stay frugal with them
    Check banking and updated sheet.
    Originally posted by PurpleFairy26
    Done most of my list fleabayer messaged me to ask if she could buy one of my other items and collect at same time as item tonight. Done. I gave her a reel of matching cotton as it’s no good to me without the material.

    Made red velvet cupcakes, tasted nice but not very red. Not sure what I did wrong, seems like a common problem.

    Made another quiche, used my new removable bottom tin remember now why I don’t use them. Contents started leaking despite it looking in tact after blind baking hope some of it is left when it beeps soon

    Made bread rolls too for burgers for tea rather than buy, had all the stuff in. Smalls had some as sandwiches for tea.
    • Happy Kitties
    • By Happy Kitties 9th Oct 17, 7:53 PM
    • 316 Posts
    • 2,635 Thanks
    Happy Kitties
    Many thanks DNMS for starting us off

    Welcome bearpearsunto a fab thread, it really keeps you on track.

    arc2014 sorry to hear about your housing situation and I'm keeping my fingers crossed for you that your job is safe.

    DawnW I hope everything went okay at the hospital. I do the same with the RM vouchers, i use them as a bonus/treat/for shopping and don't count them in my grocery budget. Mine are currently funding DDs latest stash top up-snack bars and toilet rolls!!!!!!!

    Well I'm still coughing and sputtering away but I don't feel to bad in myself. Took things nice and slow today.
    Managed to get my bed changed and a wash out and dried-really chuffed with this considering the weather is so changeable.
    Checked my banking and finally updated my grocery spends book for October-on track to beat my target
    Cat cleaning all done-this took me ages as every time I bent down it caused a coughing fit
    Caught up on some messages
    Went out for some cat litter and just to get some fresh air. It was good just to get out.
    Hopefully tomorrow I will catch up on some paperwork. Not going to do masses just a couple,of,letters but at least I've achieved something.
    Most important- continue to rest up. One of my specialists would be amazed, he knows too well I'm a fidget pants!!!!!!
    Have a great evening everyone xx
    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 9th Oct 17, 8:33 PM
    • 2,912 Posts
    • 18,416 Thanks
    La escocesa
    Hi everyone

    Thanks for the kick off DNMS

    Gosh you have all been busy bees today!

    arc - thinking about you...How unsettling for you. I hope you find somewhere fab to live in no time. I have been both made redundant and made homeless so I know exactly the feeling you are feeling.

    More palaver with the bank here - was on a call (on hold for most of it!) for an hour today!! Turns out that it's not going to be back paid as they made a mistake on the docs but if they do back pay it I will need to pay an early termination fee of 3% to get out of the old rate early... Makes sense but their docs are not clear at all (actually specifically state the wrong date about 5 times) but all the faff of calling, speaking to the wrong people, getting wrong info etc... That's another circa 2 hours of my life I won't get back.

    Here's me:
    - Cheapo porridge brekkie with free milk in work
    - Free tea and biccies in work
    - Cheapo 85p sandwich lunch
    - Washing on quick wash then airer
    - Used 8% discount card @ wilko
    - Leftovers for tea tonight

    Kids - I put the OOD beef in the freezer rather than the bin It looked completely fine - I'm sure we won't die
    • FatVonD
    • By FatVonD 9th Oct 17, 8:42 PM
    • 4,876 Posts
    • 19,126 Thanks
    FatVonD
    Fingers crossed for you, Arc, and hope all went well today, Dawn.

    I managed a £5 FB sale, when I was explaining how to find the house (it's well hidden away) the woman realised her son worked opposite so I dropped it over and he paid for it! I have interest in another item too.

    I set off an hour early to go to my mum's and stopped in two local towns to do a quick whizz round for job ads for Job Spotter and I am now up to £6.33 with another five still waiting for approval. La E, I've never tried approving other people's submissions, is it worth doing?
    Last edited by FatVonD; 09-10-2017 at 8:45 PM.
    Make £10 a day in October £224.01/£310 (September £374.30, August £223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54)
    • baggybreeches
    • By baggybreeches 9th Oct 17, 10:28 PM
    • 23 Posts
    • 101 Thanks
    baggybreeches
    Is anyone good with hanging baskets? Ours were fab during the summer (mainly fuchsias and petunias -and the odd MS tomato plant, too) and still going strong but I'm looking for ideas of what to do with them over winter. Anyone have any experience? Would love to get them filled with something useful for the winter and spring.
    Originally posted by uphillstruggler
    Hiya, we used to own and run a garden centre (one of the reasons I ended up in stacks of debt was trying to keep the business going and pay all the creditors (which I did manage to do)).
    Pansies and violas will do really well, if you do buy them I suggest you visit your local independent garden centre as their plants will be hardened off and better cared for than any bought from the supermarkets which means they will last much longer. I have a feeling we are going to have a pretty hard winter so anything you get would need to be hardy. The other option would be to go for small alpine perennials which will definitely cope with the weather and can later be transferred into the garden.
    • determined new ms
    • By determined new ms 10th Oct 17, 7:01 AM
    • 6,534 Posts
    • 37,530 Thanks
    determined new ms
    Morning rare day where I actually set my alarm so have been up for the last hour and ready to spring into action in a minute

    arc sorry to hear of your news. Be thinking of you today x

    Things for today:

    * check banking and make sure transfers went through
    * take some of my lovely chard soup in soup thermos and hot it stays hot until I want it
    * make note of mileage
    * madam wearing yesterday's pinnyform which I sponged marks out of when she got home
    * check meal plan and get anything needed out
    * NSD
    * do some cleaning up when I get in
    * raspberries picked yesterday for snacks

    Ok that's all I can think of
    Last edited by determined new ms; 10-10-2017 at 7:07 AM.
    DF as at 30/12/16
    Wombling '16 £287.33 Roadkill £28.25
    Wombling YTD £2982.2/Roadkill £8.63
    SFDs Oct 10/15 CC saved £2372.50
    • determined new ms
    • By determined new ms 10th Oct 17, 8:09 AM
    • 6,534 Posts
    • 37,530 Thanks
    determined new ms
    ha ha just discovered oh's employer made a mistake and paid too much childcare vouchers. But they haven't passed that mistake on to him (vouchers reduced from £243 pcm to £30 as madam is now at school) so that is £213 free money
    DF as at 30/12/16
    Wombling '16 £287.33 Roadkill £28.25
    Wombling YTD £2982.2/Roadkill £8.63
    SFDs Oct 10/15 CC saved £2372.50
    • PurpleFairy26
    • By PurpleFairy26 10th Oct 17, 8:12 AM
    • 1,885 Posts
    • 12,646 Thanks
    PurpleFairy26
    Morning all quick list before I’m out of the door.

    Check banking, surveys and FPL
    Stew in slow cooker, added some pearl barley for extra autumnal-ness
    Packed lunches all round using what we have, decided to use tin foil and boxes rather than bags to see if that reduces consumption
    Porridge all round for breakfast feee stewed plums on mine
    Ordered school photos, didn’t order eldest (they had a join one though) as she only had one about 2 weeks before end of last term and this one isn’t the best. Got online versions so I can print cheaply as Christmas presents
    Filled in flu form for smalls so they can have it done at school
    Hot drink for commute made with my morning cuppa

    Right, must get on some I’m ready when DH gets home in a minute.
    • DawnW
    • By DawnW 10th Oct 17, 8:21 AM
    • 4,549 Posts
    • 34,854 Thanks
    DawnW
    Morning all
    Dentists this morning so walked dog early
    Such fun this week, hospital yesterday, dentist today
    Arc, hope you get everything sorted soon

    Off to dentist for 10 am, then:
    Ring Campbells as I haven't had email confirmation of meat order / delivery as I usually do Done, all ok, except I don't think their email system is working properly as they resent the confirmation email and I STILL didn't receive it.
    Make pies with steak and mushrooms cooked previously. One for tonight, and will probably freeze one. Done, one frozen. Made an apple pie too, with leftover pastry and gifted apples.
    Need to harvest spinach, chard and lettuce from garden, and deal with each appropriately Picked the lettuce, washed it and put in a bag in the fridge. Looked at the spinach but it is infested with caterpillars so I cut it all down and put it in the composter, killing as many caterpillars as possible in the process. It will come up again as it is perpetual spinach. Decided to leave the chard for another day, but I pulled out all the rest of the carrots as they are starting to get carrot fly damage - is anyone else having an explosion of pests atm?
    Pick raspberries Not done this
    Pick carrots for dinner Done, see above
    List some more things on ebay Done, a couple of sales, too
    Check banks Not yet
    Check for surveys - still waiting for that 5p from Onepoll Now done, £40 claimed
    Some housework - stairs and landings today I think! Not done
    Another dog walk later Done
    Only spend today was £1.10 parking for the dentist

    Coffee to finish first!
    Last edited by DawnW; 10-10-2017 at 6:45 PM.
    Grocery / household spends for October £248.28 / £160
    NSDs for October 6/15
    Grocery / household spends for September £200.15 / £160.00
    SFDs for September 8/18
    • carrielovesfanta
    • By carrielovesfanta 10th Oct 17, 8:45 AM
    • 1,223 Posts
    • 8,865 Thanks
    carrielovesfanta
    Morning folks!

    ARC - I'm sorry to hear that there's so much going on at the moment. We went through redundancies at my work this time last year. Even though my job wasn't on the line, it was still an awful time.

    Woke up before my alarm today with a bit of a headache, but a couple of coffees kicked that bad boy into touch.

    Yesterday's round up
    • Meals from plan - done
    • Log cals in free app - done
    • Prep tomorrow's tea/lunch - done
    • Gym at lunch time - done
    • Check how much this month's gym fee will be to look out for overpayment!
    • Charge phone in work - done
    • Ring taxi company to book airport run - done
    • Sort some more bits out at home. Still tidying. I want to relocate some jars of marmelade - done
    • Ring mother in law to placate her after I suggested that cassette tapes that she couldn't play weren't really a sentimental memory (I am transferring the contents to CD!). She wants to keep the tapes to look at them because the CD isn't the original format?!
    • Crochet - realised that I'd done 3 rows in the wrong colour. Decided that I cba to frog it. then did ANOTHER row in the wrong colour! did frog that one though. - done
    • No drinkies. - done
    • See if FB buyer comes for item (not the blimmin spanner man) - nope but to be fair he might have forgotten
    Originally posted by carrielovesfanta
    Today's mission:
    • Meals from plan
    • Log cals in free app
    • Prep tomorrow's meals
    • Washing on line to dry - done
    • OH to do housework (hopefully!)
    • Message facebook buyers. Sigh. Am tempted to go back to ebay...
    • Put sheets back on spare bed
    • Charge phone in work - done
    • Gym at lunch time - done
    • Crochet
    • No drinkies (almost 3 weeks now!)
    • Epilate legs (saves spending on razors) - done
    • Dye hair at home
    Have a good one all

    clf x
    Last edited by carrielovesfanta; 10-10-2017 at 2:21 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • arc2014
    • By arc2014 10th Oct 17, 9:38 AM
    • 102 Posts
    • 365 Thanks
    arc2014
    Thank you all for your kind words! We went through redundancies 6 years ago now, but I had started as an apprentice 2 weeks prior and it was a strange time. At 18 I didn't really have an understanding of what the whole situation can do to you, especially when you have families to support! Hopefully I will find out today the scale of the problem - it's not looking good though and I imagine within the next couple of years the whole office will be empty, so maybe I will be best to jump a sinking ship first, take my money and run! I have a lot of experience and good qualifications so it SHOULD be fairly straight forward for me to find another job!


    Anyway - I don't want to turn this into a sob story about my life!


    So far today:


    - Brought coffee to work
    - Did a wash last night so mum can hang out today
    - Relisted 2 things that didn't sell on eBay
    - Made a list of things to be sold before we move!


    To do today:


    - NSD
    - List some bits on eBay
    - Get in touch with the estate agents to arrange viewings
    - Check survey sites
    - Sort some bits in the spare room for selling
    - Pick up burger buns on the way home for tea (out of the food budget )


    That will do for today!
    Logbook Loan 170.42/1000 · DC1 45/1420.32 · DC2 30/321.13 · DC3 11.75/11.75 · DC4 40/635 · Personal Loan 426.74/4800 · Overdraft 0/1200

    Lightbulb Moment September 2017 - DFD Christmas 2018!

    October NSDs 11/15 · £10 a day challenge £214.64/£500
    • mumofthetwins
    • By mumofthetwins 10th Oct 17, 10:53 AM
    • 870 Posts
    • 3,802 Thanks
    mumofthetwins
    Hi Guys


    Today is mainly work but I do have a few things ..


    pack and send ebay sales from last night.
    re list and sales that do not sell tonight.
    try to hunt winter quilt out of the loft
    dinner from plans
    see if I can pick up any ys veg for soups later in the week.
    check banks/cc
    make PAD.
    Chase the school after DS was told off infront of the class for going to the toilet even though he has a pass due to his IBS which was playing up rotten yesterday ..


    I think that's about it for today but tomorrow im not in work until around 3ish so should hopefully get all the chores and more done


    Lisa x
    This time I'm sticking with it !!
    Oct /£300 3NSD
    PAD
    June £3362.78 July £1803.88 Aug £1895 Oct £483.77
    • uphillstruggler
    • By uphillstruggler 10th Oct 17, 12:42 PM
    • 119 Posts
    • 619 Thanks
    uphillstruggler
    Hi everyone,

    I have today off work so hoping to have a productive day around the flat.

    Arc, thinking of you at this difficult time.

    Probably not a no-spend day for me today as have to get OH's shoes reheeled and need a couple of essential items. Planning to use a few discounts and coupons, though.

    Today I have/will:
    *pay in coins at the bank done - only a few pounds but better than sat on the shelf!
    *check accounts done
    *look into customising budgets in YOLT app (if that is possible; not sure yet but must look into it
    *free hot drink in town done
    *work on passive income project couple of hours done; couple of hours to go
    *list an item on FB marketplace done and buyer hopefully coming tonight to pick up
    *meals from stores fish out to defrost for tonight; breakfast and lunch from stores
    *free exercise - OH going to his rather pricey fitness classes tonight so I will take the opportunity while he's out to go for a run run in the local park - brought the OH as well and was nice to have a run together
    *relax - job is quite stressful and I'm not good at truly relaxing. Plan to use a free relaxation app I found.

    Have a super day, everyone,
    US
    Last edited by uphillstruggler; 10-10-2017 at 7:39 PM.
    Emergencies account: £200/500 CC (20/10/17): £652.50
    Groceries Oct 2017: EUR74.50/150 NSD Oct 2017: 9/10
    • BearPearSun
    • By BearPearSun 10th Oct 17, 1:30 PM
    • 10 Posts
    • 64 Thanks
    BearPearSun
    Thankyou for the warm welcome everyone.

    Determined new ms - believe it or not the daily reminders are at his request! I will check in a few days that he still wants them so he doesn't feel that I'm getting too naggy!

    Today:
    》Leftovers for lunch, meal from plan for dinner (lentil curry stew)
    》Be conscious with electric/gas
    》Walk or use travel pass to an appointment later
    》List 5 items to sell
    》Try to get a wash dried without turning the heating on - does anyone have any tips for this?!
    • mumofthetwins
    • By mumofthetwins 10th Oct 17, 2:07 PM
    • 870 Posts
    • 3,802 Thanks
    mumofthetwins

    》Try to get a wash dried without turning the heating on - does anyone have any tips for this?!
    Originally posted by BearPearSun


    I would love to hear these also .. I normally use an airer but it seems to be taking longer now the weather has changed ... I was thinking of using an extra spin on the WM ?


    Lisa x
    This time I'm sticking with it !!
    Oct /£300 3NSD
    PAD
    June £3362.78 July £1803.88 Aug £1895 Oct £483.77
    • arc2014
    • By arc2014 10th Oct 17, 2:58 PM
    • 102 Posts
    • 365 Thanks
    arc2014
    Thank you all for your kind words! We went through redundancies 6 years ago now, but I had started as an apprentice 2 weeks prior and it was a strange time. At 18 I didn't really have an understanding of what the whole situation can do to you, especially when you have families to support! Hopefully I will find out today the scale of the problem - it's not looking good though and I imagine within the next couple of years the whole office will be empty, so maybe I will be best to jump a sinking ship first, take my money and run! I have a lot of experience and good qualifications so it SHOULD be fairly straight forward for me to find another job!


    Anyway - I don't want to turn this into a sob story about my life!


    So far today:


    - Brought coffee to work
    - Did a wash last night so mum can hang out today
    - Relisted 2 things that didn't sell on eBay
    - Made a list of things to be sold before we move!


    To do today:


    - NSD - Done!
    - List some bits on eBay
    - Get in touch with the estate agents to arrange viewings - Done! (Well half done - we have a viewing tomorrow afternoon!)
    - Check survey sites - Done!
    - Sort some bits in the spare room for selling
    - Pick up burger buns on the way home for tea (out of the food budget ) - Done!


    That will do for today!
    Originally posted by arc2014

    I'm on my way home now as I have a silly headache & I need my own comforts. We've been told there's definitely redundancies but not been told who will be at risk. Initial consultation will be published on Monday so hopefully will know then. This is a horrible feeling!
    Logbook Loan 170.42/1000 · DC1 45/1420.32 · DC2 30/321.13 · DC3 11.75/11.75 · DC4 40/635 · Personal Loan 426.74/4800 · Overdraft 0/1200

    Lightbulb Moment September 2017 - DFD Christmas 2018!

    October NSDs 11/15 · £10 a day challenge £214.64/£500
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