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  • FIRST POST
    • determined new ms
    • By determined new ms 6th Nov 17, 7:00 AM
    • 6,572Posts
    • 37,890Thanks
    determined new ms
    What small DFW things will you do this week - w/c 6th November?
    • #1
    • 6th Nov 17, 7:00 AM
    What small DFW things will you do this week - w/c 6th November? 6th Nov 17 at 7:00 AM
    When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym.

    But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when in fact the small steps are helping us form good financial habits and helping us get closer everyday to staying in control and becoming debt free, or staying debt free.

    Examples could be hanging washing out instead of using the tumble dryer or leaving your purse/wallet at home to avoid the risk of spending.

    So be proud of those small steps, they really are important
    DF as at 30/12/16
    Wombling '16 £287.33 Roadkill £28.25
    Wombling YTD £2982.2/Roadkill £8.63
    SFDs Oct 13/15 CC saved £2372.50
Page 1
    • determined new ms
    • By determined new ms 6th Nov 17, 7:19 AM
    • 6,572 Posts
    • 37,890 Thanks
    determined new ms
    • #2
    • 6th Nov 17, 7:19 AM
    • #2
    • 6th Nov 17, 7:19 AM
    Mooooorning! A new week, the first of a new month

    Gotta start getting ready as lots to do this morning

    * iron madam's clothes & make pack lunch have convinced her to have (free for yr r) school dinners
    * go to work after dropping her off so I can resubmit my expenses
    * by weekly bus pass
    * wrap up warm so it isn't hellish! Listen to audio book on buses
    * take sandwich with me so not tempted to buy anything
    * think I'll drop my boots in to be mended
    * need to start deep clean of house - but also want to go to the allotment. Hmmmmm not going to have time for both I don't think so allotment is going to take the hit
    * bake red velvet cake as friend's coming round after school. Will make some scones while I'm at it
    * hope to list a few more things on fleabay
    * do some banking stuff

    That's loads! Have a great day y'all
    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
    • PurpleFairy26
    • By PurpleFairy26 6th Nov 17, 8:01 AM
    • 1,920 Posts
    • 12,890 Thanks
    PurpleFairy26
    • #3
    • 6th Nov 17, 8:01 AM
    • #3
    • 6th Nov 17, 8:01 AM
    Morning all thanks for starting us determined

    Iím hoping a new week will bring me a clean slate wfh so thatís a start things today:
    Reconcile spreadsheet to bank account
    Something from freezer for tea and something out for tomorrow that I can put in sc
    Some washing on radiators/airer whilst the heatings on, Iíll be shuffling
    Have set timer up for heating so itís only on a couple of times a day for an hour at a time, find this is the best way to keep our bills low, as you can put the temperature for each slot too
    Freeze some donuts and bread rolls we didnít eat yesterday
    Packed lunch for dd
    Car being serviced, will be no cost to me as work pay but hope nothing needs doing as itíll be a faff and I do need it back for tomorrow

    Right, must get on to a have achieved something before walking smalls to school. Enjoy your day.
    • carrielovesfanta
    • By carrielovesfanta 6th Nov 17, 8:41 AM
    • 1,280 Posts
    • 9,374 Thanks
    carrielovesfanta
    • #4
    • 6th Nov 17, 8:41 AM
    • #4
    • 6th Nov 17, 8:41 AM
    Morning folks

    I'm feeling a bit fragile today. Got a bit panicky yesterday - OH is insisting on driving the car around while this weird post-MOT noise hasn't been sorted and I'm not happy about it. It's going in tomorrow, but OH has an appointment in Cheadle in the morning so will be taking it there and back before it goes into the garage.

    Dealt with the panic in a particularly poor manner - by mainlining 3 flapjacks (of the revolting Blackfriars type) and a bottle of wine. Suffice to say I'm not feeling my best now. And guess what? The problem is still there! Who would have thought it?

    Still, a fresh day today. The sun is shining and I am going to deal with things far more appropriately.

    Mission:
    • Meals from plan
    • NO DRINKS
    • Use sensible techniques to remove panicky feelings
    • Gym at lunch time. - went for a walk instead. Decided not to do complex work with a muzzy head
    • Renew home insurance
    • Pick up milk. Check for ys stuff while I'm at it.
    • Crochet
    • Pick up the sauces on the way home as didn't do this yesterday
    • Heating off
    Very short list... will try to add more

    Have a good one all

    clf x
    Last edited by carrielovesfanta; 06-11-2017 at 3:40 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • uphillstruggler
    • By uphillstruggler 6th Nov 17, 10:23 AM
    • 131 Posts
    • 721 Thanks
    uphillstruggler
    • #5
    • 6th Nov 17, 10:23 AM
    • #5
    • 6th Nov 17, 10:23 AM
    Morning, everyone.

    Oh CLF - what a pain. Cars are such a nuisance.

    I have a week off work so aiming to be productive but didn't sleep particularly well last night so it hasn't gotten off to a cracking start. Today should hopefully be a NSD with meals from stores. Which reminds me - must update my signature.

    I've had stomach issues recently - nothing major but just feel a bit like I need a cleanse, and to reset my body, if that makes sense. Completely unrelated, our flat is on the market and a viewing was scheduled for this morning. Having had a call to say the viewing was cancelled, I thought it was the perfect opportunity to seize the day and make up a "colon-cleansing" drink of DOOM I saw on the internet. Blended dates, lemon, hot water and flaxseed were my weapons. Midway through the glass of wretchedness I had a call to say that a new appliance would be delivered within the hour - well, you can imagine my horror when I knew that the race was on - would the drink work first? Or would it take effect mid-delivery?

    Today I have/will:
    *check accounts done
    *put washing away (where does this stuff come from? It never ends!) done
    *payment to emergency account done
    *meal plan for the week
    *meals from stores (revolting drink; salad for lunch; dinner TBC; no coffee for me today ) done; had some pineapple on the turn so currently baking a pineapple upside-down cake
    *sort out my handbag
    *work on second income idea
    *exercise
    *drink lots of water this is happening

    Have a good day all,
    US
    Last edited by uphillstruggler; 06-11-2017 at 4:54 PM.
    Emergencies account: £200/500 CC (20/10/17): £652.50
    Groceries Nov 2017: EUR13.56/120 NSD Nov 2017: 1/10
    • FatVonD
    • By FatVonD 6th Nov 17, 10:45 AM
    • 4,950 Posts
    • 19,615 Thanks
    FatVonD
    • #6
    • 6th Nov 17, 10:45 AM
    • #6
    • 6th Nov 17, 10:45 AM
    That did make me laugh, US, I suffer with anxiety-related IBS and if I don't take my ADs properly that's pretty much the story of my life!

    I'm out for lunch with my mum today, she won't agree to us going for lunch in the biggish town near her (so I can do a bit of Job Spotting) as that would involve taking me to her regular cafe and she is embarrassed by me (as I'm overweight and don't, 'make an effort' to look smart.) We will instead go to a smaller town. I might go to the other one after but it bugs me to pay for parking twice.

    I need to drop off a parcel on my way and then I will pick up some cold meats and my prescription also.

    I'm planning on taking out some YS lamb mince to make shepherds pie tonight, I need to buy some carrots for it and I will make it in two separate dishes this time so it doesn't get eaten all in one night.

    Must dash as late already!
    Last edited by FatVonD; 06-11-2017 at 10:49 AM.
    Make £5 a day in November £36.28/£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)
    • carrielovesfanta
    • By carrielovesfanta 6th Nov 17, 12:09 PM
    • 1,280 Posts
    • 9,374 Thanks
    carrielovesfanta
    • #7
    • 6th Nov 17, 12:09 PM
    • #7
    • 6th Nov 17, 12:09 PM
    Midway through the glass of wretchedness I had a call to say that a new appliance would be delivered within the hour - well, you can imagine my horror when I knew that the race was on - would the drink work first? Or would it take effect mid-delivery?
    US
    Originally posted by uphillstruggler

    sorry but this cracked me up
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • 1LuckyLady
    • By 1LuckyLady 6th Nov 17, 12:09 PM
    • 554 Posts
    • 5,455 Thanks
    1LuckyLady
    • #8
    • 6th Nov 17, 12:09 PM
    • #8
    • 6th Nov 17, 12:09 PM
    Good afternoon all and thanks for the start DNMS
    US - I can totally relate!!
    CLF - must be stressful, I'd be the same.

    Today's list may run into tomorrow as ds2 has an inset day so is home with me.
    * YS bagels for kids breakfast
    * Mum came to watch ds2 so I could still do the gym and I refilled water bottle there oh and my dad drove so no fuel cost either!
    * I made them American pancakes once we came back using a part tin of sweetcorn, the end of some cheese and some ys ham
    * Washed 2 loads on quick 30 degree wash
    * Dishwasher run on the quick wash
    * Mr T delivery just arrived so need to update freezer list and get stuff put away Freezer list now up to date
    * Make ds2's lunch for tomorrow, ds1 needs money as on a trip and dh has a leaving lunch at work Made tomorrows and Wednesdays
    * Radiator shuffle the washing to try and get stuff dry. There is no breeze here at all so not bothering hanging it out
    * Check banking/update spreadsheet & record car mileage too Done
    * Prep food for tonight making sure nothing is getting wasted in the fridge Done, padded out a stew and will have it with dumplings In the fridge was some leftover chicken, I've cooked a punnet of ys mushrooms, some diced pepper I have in the freezer following Foxgloves tip of topping and tailing some onion, a couple of carrots that were a bit bendy and the other part can of sweetcorn, cooked and added in a fajita spice mix & salsa sachet plus a tin of tomatoes, will have this with pasta tomorrow night.
    * Meal plan for tomorrow Done the chicken fajita pasta thing as above, (knocked the fajita stuff off my use up box inventory too. Also made a rough meal plan through to Friday, it may change depending on how far the chicken pasta thing goes tomorrow (can never tell how hungry dh will be)
    * Hoover just where needed

    That's it for now, have a good week all.

    Used the superglue to fix ds1s headphones as the padded bit coming away. Saved from the bin for a while longer!


    Last edited by 1LuckyLady; 06-11-2017 at 6:59 PM.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • uphillstruggler
    • By uphillstruggler 6th Nov 17, 4:32 PM
    • 131 Posts
    • 721 Thanks
    uphillstruggler
    • #9
    • 6th Nov 17, 4:32 PM
    • #9
    • 6th Nov 17, 4:32 PM
    Oh dear, what a day. Iím certainly not going to win any prizes for my baking prowess any time soon.

    Tried to be all MS and use up my leftover pineapple. So I found a recipe online for a pineapple upside down cake that would use some of the coconut flour and coconut sugar we have lying around.

    I wonít lie: I was sucked in by recipes that claimed to produce a ďpiŮa coladaĒ in cake form. It was all going fine until ... Iíve just pulled it out of the oven and it smells delicious but it looks like something the cat dragged in! All crumbling and looking like a small heap of cat litter! Oh dear. Iíve always been a terrible baker and I donít think thatís set to change...

    Maybe I can rescue it with a little crŤme fraÓche or some ice cream...
    Emergencies account: £200/500 CC (20/10/17): £652.50
    Groceries Nov 2017: EUR13.56/120 NSD Nov 2017: 1/10
    • carrielovesfanta
    • By carrielovesfanta 6th Nov 17, 4:44 PM
    • 1,280 Posts
    • 9,374 Thanks
    carrielovesfanta
    Oh dear, what a day. Iím certainly not going to win any prizes for my baking prowess any time soon.

    Tried to be all MS and use up my leftover pineapple. So I found a recipe online for a pineapple upside down cake that would use some of the coconut flour and coconut sugar we have lying around.

    I wonít lie: I was sucked in by recipes that claimed to produce a ďpiŮa coladaĒ in cake form. It was all going fine until ... Iíve just pulled it out of the oven and it smells delicious but it looks like something the cat dragged in! All crumbling and looking like a small heap of cat litter! Oh dear. Iíve always been a terrible baker and I donít think thatís set to change...

    Maybe I can rescue it with a little crŤme fraÓche or some ice cream...
    Originally posted by uphillstruggler

    Coconut flour absorbs a lot of liquid - maybe that's why?


    you could always take a leaf out of my book...

    Set the clock back to 2003. Carrielovesfanta is a student and her work friend asks her round for a party. Friend and other partygoers are vegan (and punks!) and this is when you couldn't really get much vegan stuff.

    I decide to bake a vegan lemon drizzle loaf cake. Punk friend advises that you can substitute eggs with an orange juice-bicarb mixture.

    Cake is rising wonderfully and excitedly show my housemates as I remove it from the oven. The cake doesn't so much sink as IMPLODE. Housemate suggests turning it upside down and icing it. Cake disintegrates like a clown car.

    Not to be deterred, I stewed a load of apples that I had knocking around in vodka, put the broken up cake on the top, sprinkled on more vodka, piped "Happy Birthday" onto it, and turned up at the party with the stewed apples and the rest of the vodka.
    Everyone at party too stoned and out of their gourds on mushrooms to notice. Success all round
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • uphillstruggler
    • By uphillstruggler 6th Nov 17, 4:55 PM
    • 131 Posts
    • 721 Thanks
    uphillstruggler
    Haha, CLF! Brilliant
    Emergencies account: £200/500 CC (20/10/17): £652.50
    Groceries Nov 2017: EUR13.56/120 NSD Nov 2017: 1/10
    • Happy Kitties
    • By Happy Kitties 6th Nov 17, 6:49 PM
    • 351 Posts
    • 2,881 Thanks
    Happy Kitties
    DNMS many thanks for starting off this week's thread

    US I can also relate but not by drinking a drink of doom!

    Have sent my intestines into trauma after the food poisoning last week and a roast beef dinner yesterday. Have to see the doc the end of the week but it looks like i won't be able to eat beef anymore.
    I had such a productive day yesterday and lots of plans for today. Just spent the day sleeping and sipping water......the upside I've spent no money and apart from internals feel more normal. Getting a bit fed up of health getting in the way of plans.
    Need to be on the ball tomorrow as im being filmed at an event-bad timing but cant be helped.
    Must catch up on paperwork and messages tomorrow.
    US it would have to be custard for me with the cake. Wouldn't care about the state of it, custard solves everything says the person who is on nil by mouth at the minute!!!!
    Not alot else going on but I'm determined to get out tomorrow

    CLF I would have been a bit stressed about the car, hate anything like that

    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
    • 1LuckyLady
    • By 1LuckyLady 6th Nov 17, 7:01 PM
    • 554 Posts
    • 5,455 Thanks
    1LuckyLady
    HK, Sorry to hear you're feeling rough again.
    US, I'm with HK, custard can save most baking disasters in my (vast disaster) baking experience!
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • FatVonD
    • By FatVonD 6th Nov 17, 11:07 PM
    • 4,950 Posts
    • 19,615 Thanks
    FatVonD
    Another vote for custard!
    Make £5 a day in November £36.28/£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 7th Nov 17, 6:26 AM
    • 6,572 Posts
    • 37,890 Thanks
    determined new ms
    Morning US got to agree when it comes to baking it is definitely taste that matters rather than aesthetics unless it's a gift! Next time wack some custard on it

    argh need to start getting ready but madam is still sleeping! Have been up an hour, got lunches ready (well just pulled everything together sandwiches made last night )

    * Have logged on to banking and straightened out accounts
    * today is my last day of car use for the month make note of mileage and update expenses
    * Work efficiently
    * figure out what we're going to eat tonight....
    * NSD
    * maybe check onepoll if I remember/have time
    * post back ebay mis-sale and get this out of my life
    * put timer on wm so it's done by the time I get home
    * pack up madam's ballet stuff for tomorrow
    * do some knitting this evening
    * list 2 things on fleabay

    Ok that's enough. Have a great day
    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
    • determined new ms
    • By determined new ms 7th Nov 17, 6:45 AM
    • 6,572 Posts
    • 37,890 Thanks
    determined new ms
    Boo hoo my manager has come back and said I can't not have use of a car really guttted
    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
    • PurpleFairy26
    • By PurpleFairy26 7th Nov 17, 8:16 AM
    • 1,920 Posts
    • 12,890 Thanks
    PurpleFairy26
    Determined how annoying re car, did she give a reason? Another reason to look for another job maybe?

    My list for today:
    Aim to be at work shortest time possible
    Ham hock from freezer in sc making pea and ham soup for tea, will use a ys part bake baguette to pad it out
    Leftovers for me and dd for lunch
    Fruit for snacks
    Check banking
    Check fridge for anything that needs stashing in freezer
    Grated rind of a lemon that I used half of to make a drink and added to my freezer pot for when I need lemon zest
    Washing out, another load in on timer for later.
    Ys muffin for breakfast
    Check for surveys tonight

    Think thatís about all, enjoy your day. Hope you feel better HK
    • uphillstruggler
    • By uphillstruggler 7th Nov 17, 8:42 AM
    • 131 Posts
    • 721 Thanks
    uphillstruggler
    Custard it is!

    Morning, everyone. Hope you're all well.

    Today I have/will:
    *check accounts done
    *make OH packed lunch for work done
    *send off eBay items - made £26 last night from a few sales done
    *exercise done, and filled up water bottle at gym
    *bag of clothes to charity shop done
    *work, work, work!
    *sort some travel tickets for the future to take advantage of discounts

    Have a super day, everyone.
    US
    Last edited by uphillstruggler; 07-11-2017 at 3:24 PM.
    Emergencies account: £200/500 CC (20/10/17): £652.50
    Groceries Nov 2017: EUR13.56/120 NSD Nov 2017: 1/10
    • carrielovesfanta
    • By carrielovesfanta 7th Nov 17, 8:53 AM
    • 1,280 Posts
    • 9,374 Thanks
    carrielovesfanta
    Morning folks

    Walked to work and saw a fab double rainbow.

    A good sleep last night and feeling more level headed. Got the water bill later night and no change to payments. I think we can probably cut it a bit with some small tweaks. We aren't very mse with water and there's def some room for improvement.

    OH has headed off to Cheadle. He got there ok, hopefully will get back ok too. He's gone to take advantage of a little-known scheme for musicians where you can get in-ear hearing defenders that are moulded specially to your ear for about £40. It's subsidised by the government or something. It would cost £200 otherwise. - he is home safe and sound

    Car back to the garage to fix the wonky steering wheel. The noise seems to have stopped but I have told OH that he must tell them. - car is in

    Yesterday's round up
    • Meals from plan - done
    • NO DRINKS - done
    • Use sensible techniques to remove panicky feelings - done
    • Gym at lunch time. - went for a walk instead. Decided not to do complex work with a muzzy head
    • Renew home insurance
    • Pick up milk. Check for ys stuff while I'm at it. - done
    • Crochet - done
    • Pick up the sauces on the way home as didn't do this yesterday - done
    • Heating off - nope, on for 1 hour
    Originally posted by carrielovesfanta
    Today:
    • Meals from plan
    • Car to be fixed - done
    • Gym at lunchtime - done
    • Log cals in free app - done
    • No drinks
    • Crochet - must block m-I-l's scarf
    • OH to do housework hehehe
    • Charge phone in work
    • Keep heating off as long as poss. Mild today so probably won't go on.
    • Renew this blooming insurance. I have let it run out... ooops. Maybe I should shop around. I'm currently with More Than because it's a fixed amount of cover, and no way am I trying to add up all of my possessions. Does anyone know of any other fixed cover companies?
    Have a good one all

    clf x
    Last edited by carrielovesfanta; 07-11-2017 at 2:52 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • FatVonD
    • By FatVonD 7th Nov 17, 10:19 AM
    • 4,950 Posts
    • 19,615 Thanks
    FatVonD
    Morning all!

    Today is going to be all about photographing stuff, my mum has sorted through her shoes and send me back with about 50 pairs to put on eBay (some unworn!) She is going to sort through the other half of the collection next week!Light is too bad to do this today

    I need to do a bit of tidying and clean fish and cat litter before I do anything else.Done

    Another package has arrived safely at Amazon so just want to tweak keywords on one of them, the other two were quite niche and selling anyway, I'm testing whether they will sell more!Done

    I fell asleep yesterday afternoon so didn't get around to making the Sherherds pie so I'll do it today instead!

    Have a good day all
    Last edited by FatVonD; 07-11-2017 at 1:05 PM.
    Make £5 a day in November £36.28/£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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