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  • FIRST POST
    • DawnW
    • By DawnW 4th Dec 17, 8:51 AM
    • 4,661Posts
    • 35,812Thanks
    DawnW
    What small moneysaving things will you do this week? W/C 4 December
    • #1
    • 4th Dec 17, 8:51 AM
    What small moneysaving things will you do this week? W/C 4 December 4th Dec 17 at 8:51 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
    NSDs for December 5/15
    Decluttering 13/31

Page 2
    • FatVonD
    • By FatVonD 5th Dec 17, 3:47 PM
    • 4,991 Posts
    • 19,816 Thanks
    FatVonD
    I have a bid on one of my eBay items and watchers on a few of the others!
    Make £5 a day in December £54.94/£310 (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)
    • determined new ms
    • By determined new ms 5th Dec 17, 5:10 PM
    • 6,609 Posts
    • 38,115 Thanks
    determined new ms
    Welcome, Pauper1, pull up a chair and make yourself comfy, we are a lovely bunch
    Originally posted by FatVonD
    oh that we are, that we are (even if we do say so ourselves! ) Welcome Pauper

    Sorry ladies after re-jigging meal plan, playing freezer tetris & turning off 2nd freezer I am here to claim the winner's crown
    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
    • foxgloves
    • By foxgloves 5th Dec 17, 5:33 PM
    • 3,733 Posts
    • 18,454 Thanks
    foxgloves
    Hello Tuesday Penny-Wranglers,
    Quite a good day today in that I finished my whole job list (I only tend to share the more money saving highlights on here), but my mood has been a bit on & off between ok & lowish. My own fault....researched something on the internet yesterday that I wish I'd never looked up as have been stressing about it ever since. Bah to everything! But I've done my list:
    *Absolutely no money spent today whatsoever.
    *2 more 50p pieces paid into my sealed pot.
    *mr f found 20p roadkill & as small change annoys him, gave it to me.
    *Last laundry load of the week washed overnight on timer to make use of the half-price tariff. All drying on heated airer. At one point, I also had small items drying on the bathroom towel radiator & oven door to make use of the heat.
    *Used some of yesterday's enormous leftover red cabbage to make a big bowl of coleslaw. L/o lentil loaf for tonight's meal also, with some of mr f's lovely home made jacket wedges.
    *Baked cinnamon, orange & cranberry Christmas cake for my Mum. I always used to make one for Dad - he loved this cake, esp the cointreau (well, Aldi look-e-likey...) & Mum still wanted to have one, as it lasts for 3 months from baking, so is something she can have a little piece of each day. Used almost all Aldi baking ingredients, except for dried cranberries.
    *Baked a loaf.
    *Sorted out my bulging inbox for all the local political stuff I'm involved with. Saved clean-on-one-side paper for scrap...v useful on Budget Days where I often work several different permutations through on paper. Also saved large envelopes for ebaying. Everything else shredded & that has filled a bin liner ready for adding to compost bins & to use as bedding in our worm composter.
    *Wrote job lists for tomorrow & Thursday in the 'Daily' section of my new bullet journal, which is working very well for me.
    *Decorated an old empty chocolates tin to use for gifting my Mum her cake.
    *Altered a recycled little box & added a lid, tag & found a nice ribbon ready for wrapping the fudge I will soon be making for a gift.
    *Wrote to Mum - am trying to make sure that she gets a nice newsy letter on the weeks where she doesn't see us. Decided to write it today so I can pop it in with her Christmas card & save a stamp.
    *Rhubarb compote for lunch instead of fresh fruit......this dealt with a big bag of rhubarb that was taking up a lot of room in the freezer. Also a pasta sauce coming out to defrost today. I concede that DNMS has won the Freezer-Empty Off though. The Grimsby Fish Man is delivering my order tomorrow afternoon, so at least one of my clear freezer drawers if not two will be instantly re-filled with fresh fish for the next 10 weeks or so, but at least I should now have space for my Christmas baking, as I'm starting it tomorrow morning.
    OK, time for piano practice.
    Love to all, & nice to see some new people....not that I'm fed up with the old ones. We are a friendly supportive group & not too proud to laugh at ourselves when we do something daft.
    Good to hear the cards are selling FVD........the most difficult occasion I have ever needed to find a card for, was a card to congratulate someone I knew who had finally decided to transition from female to male. In the end, I just found a nice card which said 'Congratulations' & wrote a little message of support it in. I think I tend to buy blank cards more than any other kind. Love your llamas! Cats as a theme would good seller.s, I'm sure, I used to love the ones by 'The Far Side', esp the cartoon showing 'What you tell cats & what they hear'.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = £120
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £294
    • carrielovesfanta
    • By carrielovesfanta 5th Dec 17, 5:50 PM
    • 1,301 Posts
    • 9,549 Thanks
    carrielovesfanta
    I've decided to go rogue.


    My inner rebel will be UNLEASHED


    I WILL FILL MY FREEZER. IT WILL BE SO FULL!!!!!!



    SO. VERY. FULL.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • DawnW
    • By DawnW 5th Dec 17, 6:37 PM
    • 4,661 Posts
    • 35,812 Thanks
    DawnW

    Sorry ladies after re-jigging meal plan, playing freezer tetris & turning off 2nd freezer I am here to claim the winner's crown
    Originally posted by determined new ms
    I still have loads in mine

    I've decided to go rogue.


    My inner rebel will be UNLEASHED


    I WILL FILL MY FREEZER. IT WILL BE SO FULL!!!!!!



    SO. VERY. FULL.
    Originally posted by carrielovesfanta
    Now this is my problem CLF A slippery slope indeed
    NSDs for December 5/15
    Decluttering 13/31

    • determined new ms
    • By determined new ms 5th Dec 17, 8:25 PM
    • 6,609 Posts
    • 38,115 Thanks
    determined new ms
    Ha I'm always so pleased with myself these days! It makes a change from always giving myself a hard time Pleased with what I got done:

    * sorted out freezer - it will be defrosted by tomorrow. Quick clean out, transfer food from one to other & then I can start refilling
    * did a load of washing - Still need to hang on dryer
    * all meals from stores
    * made a delish chickpea and potato curry mmmmm
    * found a ball of yarn for socks I am knitting online for £4
    * tidied up so not so much to do on my day off tomorrow
    * made note of mileage
    * slinked off slightly early today (this is so totally unlike me but I guess I'm demob happy right now and I do feel my company take the mick...)
    * do some knitting/listened to audio book and will read in bed a bit later
    * chicken defrosting in the freezer for tomorrow's meal (chinese chicken) and another for the freezer (mandarin chicken)

    ooooo I will be able to get our turkey in the next few days not sure if anyone remembers my attempt to get a ys one last year that ended terribly? won't be doing that again
    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
    • FatVonD
    • By FatVonD 5th Dec 17, 8:35 PM
    • 4,991 Posts
    • 19,816 Thanks
    FatVonD
    Foxgloves, I am mentally working on a 'Doge' one which DS, who is my ear to the ground for new trends, tells me is what, if dogs could talk, their language would be. (If you google doge it will bring up lots of memes.)

    Re your transitioning card, anything like that would probably be a good seller because a) if people can't find it locally they are more likely to look online and b) there aren't so many so it's instantly visible and you don't have to spend more money 'promoting' it just to get it seen.

    I didn't want to go down the aunt/sister/best friend's daughter's dog route but I can see why people do, there are so many thousands of generic ones that you could have the most fabulous product in the world but if nobody knows about it you aren't going to sell any!
    Make £5 a day in December £54.94/£310 (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)
    • Pauper1
    • By Pauper1 6th Dec 17, 6:58 AM
    • 287 Posts
    • 2,356 Thanks
    Pauper1
    Thanks for the lovely welcome everyone my freezer is also JAM PACKED but hasn't always been that way so I'm enjoying the feeling of security it brings me, for now... It does need defrosting again though. I only did it about 3 months ago... my last one wasn't like this!

    Yesterday I only managed to do my uni assignment, so the meter read rolls over to today:
    • submit meter read
    • collect parcel from post office before it gets sent back!
    • wash hair
    • at least first draft of final report for assignment
    • put a nappy wash on
    • turn heating down once we're dressed
    • have a NSD

    Have a lovely day all!
    DMP start 1st May 2014 - £22,850 £39,349.41 Original DFD from Stepchange 6th Sept 2039... Aiming for 1st Nov 2026
    Priorities changed, sold our house, going through the settlement process and hope to be debt free by Christmas 2017
    • determined new ms
    • By determined new ms 6th Dec 17, 7:24 AM
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    • 38,115 Thanks
    determined new ms
    Morning Pauper well done on knuckling done with your essay!

    Yippee day off today Plans:

    * go for a run after taking madam to school
    * hang up washing & do another load
    * avocado on toast for lunch (from freezer )
    * wash defrosted freezer. transfer food from freezer 1 into newly cleaned freezer. Defrost freezer 2
    * may go to allotment. See what the weather is like, how much time I have and how I feel
    * doing an hour volunteering for our local MP writing Christmas cards. Going to ask them to refund my bus fare
    * listen to audio book & knit for leisure
    * quick vacuum & polish & clean bathroom
    * read Martin's email
    * pick up soy sauce & mandarin pieces

    That'll do! Happy hump day guys x
    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 6th Dec 17, 7:26 AM
    • 6,609 Posts
    • 38,115 Thanks
    determined new ms
    Pauper I've just seen you use reusable nappies - very impressed! I wish we had but by the time dgd came to live with us she was nearly a year and I didn't think it was economically worth it and at that point I wasn't such a eco-warrior.

    I applaud you!
    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
    • DawnW
    • By DawnW 6th Dec 17, 7:49 AM
    • 4,661 Posts
    • 35,812 Thanks
    DawnW
    * wash defrosted freezer. transfer food from freezer 1 into newly cleaned freezer. Defrost freezer 2
    Originally posted by determined new ms
    Now you're just showing off, aren't you?

    Still no baby for DD, OH is a bit better but still can't walk or stand for very long.

    Today's plans:
    Cooked fruit for breakfast from freezer (gifted apples and foraged blackberries today ), instead of bought fruit Done
    Fold and put away dry washing Done
    Another load of washing and hang to dry Done, partially dried outside, now on airer to finish off overnight
    Dog walks x 2 Done
    Ebay parcels to post office Done
    OH to Drs for a blood test Done
    Drop a couple of things off at the CS while I am out, determined to get rid of at least 31 things this month! Dropped off a coat - the other one I had earmarked to donate needed washing first. Now done. Sorted out 4 cookery books that can go (I have LOADS )
    Work out shopping / Christmas budget, see where I am at I keep putting this off
    No plans for spending today (thought I really should do some Christmas shopping .... can't concentrate on that till baby arrives safely! No spending
    Some tidying and cleaning - plenty to choose from! Not much of this done, sadly, feel really lazy today
    Check banks Done, no surprise
    Check for surveys Just a couple for onepoll. PA has gone really quiet on me, so I have cashed out the available funds (£17.39)
    Minimal cooking, as I made chicken pie, quiche and little blackberry and apple tarts yesterday. Probably only need to bake some potatoes and cut a salad today That is exactly what I did!

    Received a letter from the hospital about the gall bladder op I am waiting for. I have to go for a pre-op assessment on the 18 December Not sure how long after this the actual operation would follow.

    Better make a start!
    Last edited by DawnW; 06-12-2017 at 7:30 PM.
    NSDs for December 5/15
    Decluttering 13/31

    • Pauper1
    • By Pauper1 6th Dec 17, 8:23 AM
    • 287 Posts
    • 2,356 Thanks
    Pauper1
    Determined I do love it, I actually run a small nappy library (I say "run", I haven't done anything for it in months and it is something I'm aiming to pick up in the new year. We've had so many donations and they are just sitting in my cupboard doing nothing!)

    I wouldn't have got in to it nearly as easily (or possibly at all!) if my cousins hadn't given me a huge amount of nappies that they'd used, and lots of help/support. But even then we didn't start using them until DS was 4 months old. I'm planning to cloth from newborn this time as it's already part of our routine.

    Nappies are in the wash though, so that's one thing off my list. Time to see if DS lets me wash my hair.

    I'm very jealous of your two freezers. Very.
    DMP start 1st May 2014 - £22,850 £39,349.41 Original DFD from Stepchange 6th Sept 2039... Aiming for 1st Nov 2026
    Priorities changed, sold our house, going through the settlement process and hope to be debt free by Christmas 2017
    • carrielovesfanta
    • By carrielovesfanta 6th Dec 17, 8:30 AM
    • 1,301 Posts
    • 9,549 Thanks
    carrielovesfanta
    OH left the heating on ALL DAY. Came home to find the smart meter reading £3.47


    So I irritated him all night by talking in doge. Much mse.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • foxgloves
    • By foxgloves 6th Dec 17, 8:49 AM
    • 3,733 Posts
    • 18,454 Thanks
    foxgloves
    Morning Money Savers,
    Longish list today before going out to a meeting tonight. Money saving bits of list as follows:
    *Two baths from one lot of hot water.
    *Feed sourdough jar for baking loaf tomorrow.
    *Make pastry & use to make cheesy rolls for Christmas nibbles (only making a half portion as I can no longer eat pastry). Unbelievably, the white pastry fat that has been in the back of the fridge since Easter is still in date so this will also be a good 'Use it up'. Freeze when made.
    *Free bit of exercise having brisk walk to post box to post our Christmas cards.
    *Grimsby Fishman delivering our order today. Have already paid. Will divide into meal size portions/fillets & freeze for many meals ahead.
    *Zizz up loaf into crumbs & freeze for Christmas stuffing.
    *Make bread sauce & freeze.
    *Couple of surveys.
    *Enter prize draw.
    *Move stuff round on heated airer to get the drying finished so can switch it off.
    *Small Avon order as spotted that my foundation is currently less than half price.
    *Make tomorrow's packed lunch.
    That will be it. Best wishes to all. Remember it can't jump out of your purse on its own. It has to be helped by you, so don't offer it any assistance!
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = £120
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £294
    • determined new ms
    • By determined new ms 6th Dec 17, 9:43 AM
    • 6,609 Posts
    • 38,115 Thanks
    determined new ms
    Now you're just showing off, aren't you?
    Originally posted by DawnW
    Mwahahahahaha! Lay down and let me trample on you, for I AM THE WINNER!!!


    I'm very jealous of your two freezers. Very.
    Originally posted by Pauper1
    Don't be it's not as glamorous as it sounds Having 2 can work out really well for grabbing ys items particularly meat. But it does every so often get to the point where both are full of bits and bobs frozen rather than perishing and fruit/veg and there's still NOTHING to eat....
    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
    • Pauper1
    • By Pauper1 6th Dec 17, 11:33 AM
    • 287 Posts
    • 2,356 Thanks
    Pauper1
    • submit meter read
    • collect parcel from post office before it gets sent back! - done and DS walked all the way there and a bit of the way back, so I'm crossing my fingers for a long nap! Haha
    • wash hair- done and dried naturally. I'm a bit of a curly so it's unusual for me to straighten it these days anyway.
    • at least first draft of final report for assignment
    • put a nappy wash on
    • turn heating down once we're dressed - done, so now we're snuggling under a blanket, hoping for that nap!
    • have a NSD - left the house and didn't spend any money and I'll be doing my assignment this afternoon so hopefully no chance to spend, so I'm counting it already!
    Originally posted by Pauper1
    Also did a teeny tiny PA survey. Will do some swag$s ones when DS falls asleep.
    DMP start 1st May 2014 - £22,850 £39,349.41 Original DFD from Stepchange 6th Sept 2039... Aiming for 1st Nov 2026
    Priorities changed, sold our house, going through the settlement process and hope to be debt free by Christmas 2017
    • FatVonD
    • By FatVonD 6th Dec 17, 12:16 PM
    • 4,991 Posts
    • 19,816 Thanks
    FatVonD
    Afternoon all!

    I fell asleep yesterday evening for a couple of hours then couldn't get asleep again until the wee small hours so another late start for me.

    Today's plans:

    Have a last attempt to get the washing machine working, if not

    Ring up and change my order to a washer/dryer. I don't like them but at the moment I just have a freestanding one in the way of the back door. I have been promising myself that 'one day' I will have one end of the kitchen refitted to incorporate one but, if I get a washer/dryer I won't ever need to do it. This will also free up a bit of an alcove where I can put a rail and/or hooks on the wall above a radiator to dry stuff so I won't need to use the dryer option so much.

    I need printer inks so I am going to visit another local shopping centre to do some job spotting to help pay for them. I will park in the Sainsbugs car park on the edge of town and walk in to save on parking.

    I will take some YS lamb mince out of the freezer to defrost for shepherd's pie tonight.

    I have 12 eBay items ending today, bids on two already, fingers crossed X
    Make £5 a day in December £54.94/£310 (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)
    • 1LuckyLady
    • By 1LuckyLady 6th Dec 17, 2:00 PM
    • 574 Posts
    • 5,599 Thanks
    1LuckyLady
    Afternoon all,

    Not much of a list from me today as I'm feeling crabby again, headaches not shifted all day even though I've taken cocodamol and had a sleep. I feel like I just need to make it through to bed time!

    I have
    * continued using up ys bread from the freezer for ds1's breakfast
    * Took ds2 to school for a free breakfast
    * Put extra jumper on and am laid under a blanket rather then putting heating on

    Still to try and do
    * Get washing put away
    * Make families lunches for tomorrow
    * Come up with something else for dh & I to eat tonight as I don't feel up to standing in the kitchen making a spag bol
    * Check banking/update spreadsheets

    Have a good day all.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • princess_pea
    • By princess_pea 6th Dec 17, 3:34 PM
    • 337 Posts
    • 2,703 Thanks
    princess_pea
    Hi everyone, itís ages since Iíve posted!

    Good luck Arc and welcome Pauper

    CLF weíre desperately trying to eat the contents of our freezer as we hope very soon to be buying a house! Well, 35% of one, which by our reckoning is the downstairs loo and back garden! Itís a shared ownership 2 bed semi. Despite it being a bit scary (all in my name due to hubbyís bankruptcy) and frustrating at times (everything happening very slowly) I canít wait to move and escape our nightmare neighbour!! Just hope we get nice neighbours this time. We might be moving just before Christmas if all goes well.

    Iíve rewritten the budget to make sure every penny is accounted for going forward. Need to persuade hubby that £20 a month white goods cover isnít worth it (would rather save the £20 per month). Miraculously Iíve managed to stick to a tight December food budget so far. Work are lending a load of boxes for the move which should help keep costs down. Our flat is a tip at the minute as weíve started packing, and we havenít got the Christmas tree up this year (so Iíll put one here )

    Iíve got all the paperwork from the solicitors to sign tonight and return so we can exchange. It is incredibly scary, so we hope to build up a decent emergency fund should anything go wrong in future. Canít help being excited though as weíll be able to get on with our lives now. Iíd never have dreamed of being in this position when I joined this forum with £10k of unsecured debt and nothing to show for it. Thanks guys for all your moral support and reminding us the small DFW things really do add up!

    P.S. NSD today for me
    DFD 7/3/2016
    Married 3/9/2016
    • carrielovesfanta
    • By carrielovesfanta 6th Dec 17, 3:36 PM
    • 1,301 Posts
    • 9,549 Thanks
    carrielovesfanta
    Hi everyone, it’s ages since I’ve posted!

    Good luck Arc and welcome Pauper

    CLF we’re desperately trying to eat the contents of our freezer as we hope very soon to be buying a house! Well, 35% of one, which by our reckoning is the downstairs loo and back garden! It’s a shared ownership 2 bed semi. Despite it being a bit scary (all in my name due to hubby’s bankruptcy) and frustrating at times (everything happening very slowly) I can’t wait to move and escape our nightmare neighbour!! Just hope we get nice neighbours this time. We might be moving just before Christmas if all goes well.

    I’ve rewritten the budget to make sure every penny is accounted for going forward. Need to persuade hubby that £20 a month white goods cover isn’t worth it (would rather save the £20 per month). Miraculously I’ve managed to stick to a tight December food budget so far. Work are lending a load of boxes for the move which should help keep costs down. Our flat is a tip at the minute as we’ve started packing, and we haven’t got the Christmas tree up this year (so I’ll put one here )

    I’ve got all the paperwork from the solicitors to sign tonight and return so we can exchange. It is incredibly scary, so we hope to build up a decent emergency fund should anything go wrong in future. Can’t help being excited though as we’ll be able to get on with our lives now. I’d never have dreamed of being in this position when I joined this forum with £10k of unsecured debt and nothing to show for it. Thanks guys for all your moral support and reminding us the small DFW things really do add up!

    P.S. NSD today for me
    Originally posted by princess_pea

    congratulations princess_pea! It must be great to see how far you've come!
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
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