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  • FIRST POST
    • determined new ms
    • By determined new ms 5th Feb 18, 6:40 AM
    • 6,702Posts
    • 39,049Thanks
    determined new ms
    What small mse things will you do this week? 05/02
    • #1
    • 5th Feb 18, 6:40 AM
    What small mse things will you do this week? 05/02 5th Feb 18 at 6:40 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 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
Page 1
    • determined new ms
    • By determined new ms 5th Feb 18, 6:44 AM
    • 6,702 Posts
    • 39,049 Thanks
    determined new ms
    • #2
    • 5th Feb 18, 6:44 AM
    • #2
    • 5th Feb 18, 6:44 AM
    Morning Happy new week to us all! Must be quick as going to work and need to start getting ready in 5

    Not much stuff going on today - except working!

    * overnight oats for breakfast
    * lunches already made
    * dinner will be sloppy joes
    * take note of mileage
    * babysitting for a friend tonight for an hour - my good deed for the day!
    * finish book tonight
    * make sure madam's bag is ready
    * ask oh to give me £10 for ASC
    * get lunches ready tonight for tomorrow

    That's it! Have a great day
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • foxgloves
    • By foxgloves 5th Feb 18, 7:59 AM
    • 3,808 Posts
    • 19,235 Thanks
    foxgloves
    • #3
    • 5th Feb 18, 7:59 AM
    • #3
    • 5th Feb 18, 7:59 AM
    Morning DNMS & all who follow,
    Am up, am dressed, am fortified with coffee & about to start on today's jobs, several of which involve moneysaving. I need a good day......in fact, I need a productuve week. I bet we could all do with one of those, so let's see what we can achieve by going for a really stonking week. We KNOW these small things add up!
    Talk to you later when I hope to be back to kick in a really good list.
    Up & at it, Money Savers!
    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 = £342-95
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £304 2018 = £20
    • PurpleFairy26
    • By PurpleFairy26 5th Feb 18, 8:05 AM
    • 2,009 Posts
    • 13,655 Thanks
    PurpleFairy26
    • #4
    • 5th Feb 18, 8:05 AM
    • #4
    • 5th Feb 18, 8:05 AM
    Morning all thanks for starting us off DNMS is it new job this week?

    My list for today:

    No shower will wear a wool hat on the school run
    Feed friends cat as they are away. They do the same for us, saves us both a fortune in chattery fees
    Some more washing, dry on rads/airer
    Order belt for td as didn’t do this yesterday
    Sneak peak at the resources I’ve bought for work that are being delivered today on well-being and mindfulness. Photograph any pages of use
    Tea from stores
    Dd and DH packed lunches
    I’ll have leftovers from yesterday
    Make tomorrow’s lunches
    Try and leave heating off whilst working from home and use a blanket instead
    Some yoga and free fitness at home tonight
    Check banking an update sheet, got some dividend payments coming in tomorrow that I can see on my bank, not loads but as I wasn’t expecting it, it will go to LPDF.

    Right, off to get last bits ready for school.
    • DawnW
    • By DawnW 5th Feb 18, 8:22 AM
    • 4,826 Posts
    • 37,792 Thanks
    DawnW
    • #5
    • 5th Feb 18, 8:22 AM
    • #5
    • 5th Feb 18, 8:22 AM
    Morning all
    Thanks for the start DNMS - is today the first day of your new job?

    OK, today's plans look like this:
    OH will walk the dog, as walking helps his recovery I will probably go with him this afternoon if the weather is ok (if not the dog won't walk far anyway!)
    Make some scones, and a loaf
    Get soup out of freezer for lunch
    Peg washing done last night out on line
    Shift the rest of the logs from the garage to the woodshed, while OH is out this morning. I don't mind doing it at all (if fact I will enjoy it), but he will want to help if I do it when he is here, and I don't want him to do anything to jeopardise his recovery.
    Check banks and update spreadsheet
    Some cleaning
    Check for surveys
    All food from home, thinking of making macaroni cheese for dinner
    NSDs for February 8 / 18
    Decluttering 30 / 28

    • carrielovesfanta
    • By carrielovesfanta 5th Feb 18, 8:37 AM
    • 1,400 Posts
    • 10,718 Thanks
    carrielovesfanta
    • #6
    • 5th Feb 18, 8:37 AM
    • #6
    • 5th Feb 18, 8:37 AM
    Morning folks

    Happy new week.

    DMNS - good luck for today

    Hugs to anyone that needs them

    One of those days that you could do with being over. OH is getting the car sorted. He's rung the breakdown company so he can get towed to the garage. Hoping that it is a case of replacing the glow plugs and not a large expense... - new battery. Am stunned because battery quite new and seemed ok but at least that's all it was

    On the plus side, I found my hat... in the drawer where it should have been
    In my defence, OH had been in the drawer unbeknownst to me and pushed it to the bottom and back of the drawer and it hadn't occurred to me to look that far in as I use it every day.

    Not a very mse day planned... a couple of small spends required but hopefully will bring good karma as they are kind deeds.
    • B/D from stores
    • Post yarn to freegler - £105.54
    • Charge phone in work
    • Heating off/only on for a bit as not in
    • Cross fingers and hope that car is cheap to repair - £105.54 but we have money set aside for these things.
    • Finish off big shop as d/t car breaking down, I couldn't carry all of it and had to be selective.
    • Walk to and from work
    • Work on crochet scarf to match hat
    Well, have a good one folks

    clf x
    Last edited by carrielovesfanta; 05-02-2018 at 2:04 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • uphillstruggler
    • By uphillstruggler 5th Feb 18, 9:14 AM
    • 141 Posts
    • 789 Thanks
    uphillstruggler
    • #7
    • 5th Feb 18, 9:14 AM
    • #7
    • 5th Feb 18, 9:14 AM
    Morning, everyone!

    Brrr, chilly day down here...

    Today I have/will:

    *prepare lunch and snacks for OH done
    *avoid putting heating on - thick socks and jumper already on done
    *work on passive income ideas
    *source some good value tyres for car
    *check whether windscreen chip repair is covered on my insurance done -full replacement covered but not chips
    *wipe down bathrooms and do bins done
    *exercise - fill up water bottle at gym done


    That's enough for today. Stay warm,
    US
    Last edited by uphillstruggler; 06-02-2018 at 9:59 AM.
    Emergencies account: £500/500
    Groceries Feb 2018: EUR74.52/150 NSD Feb 2018: 1/8
    • ziggy2407
    • By ziggy2407 5th Feb 18, 1:11 PM
    • 2,984 Posts
    • 22,654 Thanks
    ziggy2407
    • #8
    • 5th Feb 18, 1:11 PM
    • #8
    • 5th Feb 18, 1:11 PM
    Good Afternoon All

    Thank you all for the very warm welcome back, I've missed you guys too. Today we will:

    Check Bank & made PAD - Done
    Post Ebay sale - Done
    Read meters & upload - Done
    Start a shopping list -
    DIY Pamper session - Done
    Purge a few emails - Done a few
    Enter a few comps - Done a few
    Surveys -
    All meals from cupboards/fridge/freezer - Done
    Checked: Luckyphone, Luckybob, FPL, Tombola - Done

    Have a great day all.

    C x
    Last edited by ziggy2407; 05-02-2018 at 10:17 PM.
    It is better to take many small steps in the right direction than to make a great leap forward only to stumble backward. (Old Chinese Proverb)

    Make £5 per day in Jan 18: £491.91/£155 Make £5 per day in Feb 18: £46.40/£140
    • allydowd
    • By allydowd 5th Feb 18, 4:13 PM
    • 3,917 Posts
    • 24,896 Thanks
    allydowd
    • #9
    • 5th Feb 18, 4:13 PM
    • #9
    • 5th Feb 18, 4:13 PM
    Hi February Fabulistas,

    A wee day off. Thought it was quiet. I was on last week's thread!


    Debt Free-Nillionaire Continuity Plan Year Three:

    * Good, homemade, sustaining breakfast before I leave the house.

    * Visit library. Exchange books. Snaffle some wifi downloading while there.

    * Get a haircut. Going to have a dry cut to save money. Actually hate going to salons. They're so very not "me". Had a dry cut. £12. Bargain.

    * Work very hard on my own mental health issues. Do Day 6 of App.

    * Hunt again for my sunglasses which are still missing. No sign, most odd.

    * Check online banking.

    * Turn off alarm clock until tonight, it resets itself automatically.

    * Get some exercise.

    * Homemade soup from the freezer for lunch.

    * Found 20p.

    * Bought DW a charity shop book for her birthday box.

    Onwards and upwards.
    Last edited by allydowd; 06-02-2018 at 9:53 AM.
    Debt-free day: 8th May 2015
    The Joy Account: £50

    Bold Bicycle Bonanza: 44.59 km
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • allydowd
    • By allydowd 5th Feb 18, 4:16 PM
    • 3,917 Posts
    • 24,896 Thanks
    allydowd
    Morning DNMS & all who follow,
    Am up, am dressed, am fortified with coffee & about to start on today's jobs, several of which involve moneysaving. I need a good day......in fact, I need a productuve week. I bet we could all do with one of those, so let's see what we can achieve by going for a really stonking week. We KNOW these small things add up!
    Talk to you later when I hope to be back to kick in a really good list.
    Up & at it, Money Savers!
    F xx
    Originally posted by foxgloves

    That's quite a battlecry! You should go into politics.
    Debt-free day: 8th May 2015
    The Joy Account: £50

    Bold Bicycle Bonanza: 44.59 km
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • foxgloves
    • By foxgloves 5th Feb 18, 4:30 PM
    • 3,808 Posts
    • 19,235 Thanks
    foxgloves
    Lol, Ally.....well, I have entered the lower echelons haven't I, & am regularly encouraged by my comrades to go further, but I have no intentions of doing so. I am actually finding I enjoy the charity stuff I do more, though I will always be active politically.
    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 = £342-95
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £304 2018 = £20
    • foxgloves
    • By foxgloves 5th Feb 18, 4:51 PM
    • 3,808 Posts
    • 19,235 Thanks
    foxgloves
    OK, Monday Money Savers, I'm back after a decidedly good day, to share my list:
    *An hour of free fitness clearing a big garden border followed by a brisk trot to the post box.
    *Jacket potato night tonight, so a cheap filling meal all round.
    *Laundry in washer, timer set for cheap tariff overnight.
    *Reconciled grocery budget & overall February budget. Sorted out a potential muddle.
    *Paid across funds to a CC (we only use it to maximise points for vouchers)
    *Paid 6 x 50ps into my sealed pot.
    *Paid another marmalade payment into Loan Pay Down Fund.
    *Checked online banking to see if cheque deposit & mr f's refund from Sainsbury's had arrived - nope!
    *Sorted out an application to HM Land Registry, which is necessary for the legal (wills) stuff we need to get done asap. Found out can apply for this info via simple downloadable form for a fee of £7,which is bound to be less than what the solicitor would charge if they have to get it for us.
    *Entered a prize draw.
    *Did 5 Onepoll surveys.
    *Cleared out my email inbox which was getting out of control - not money saving, but much less likely to miss something important if not full of masses of stuff I get sent 'for information' in my local political role. Good for reducing mental clutter too.
    *Sorted out a new car insurance policy. Had been with same provider for a few years & always phoned them at renewal time to ask them to match the online 'new customer' price, which they always did without any hassle, but the renewal price this time had jumped up quite a bit further. We haven't claimed, our circumstances haven't changed, so it felt like a bit of a p*sstake to be honest. Found another provider & have saved.......................£105. Doubtless they too will start with the unspecified above-the-rate-of-inflation increases this time next year, but for now, at least, I feel we have a fairer deal. Made the decision not to pay the whole sum up front to avoid interest charges. I usually do this, but we know we will have a legal bill at some point fairly soon & so I didn't want this month's emergency 'cushion' in my budget to dip too low.
    *De-flea cat. Found 3 phials of anti-flea gunk in cat cupboard, which was good, as it's so expensive to buy & I'd forgotten we had it. We will grab him later & get that applied. He was Mr Scratchy last night which we thought was ominous.
    *Knit more of the front of my jumper - it's sooooo cold this week & I just want to wear it!
    NOT MONEY SAVING:
    Having to throw a nearly-new pair of gardening gloves in the bin because of a rather disgusting encounter with some Stealth Poo.......I did stick them in a bucket thinking I'd soak them in bleach, but it was all so yukmongous I decided I'd rather buy a new pair. Obviously revenge from Cat when he spotted that flea treatment coming out of his cupboard instead of his usual 'Dreamies'.
    OK, must go & get my carrot mayonnaise made - have cut some parsley from the garden for it & will throw in some chopped apple too. Should be nice (& healthy) on a jacket potato with cottage cheese & salad.
    Stay warm,
    F x
    Last edited by foxgloves; 05-02-2018 at 4:53 PM.
    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 = £342-95
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £304 2018 = £20
    • DawnW
    • By DawnW 5th Feb 18, 7:14 PM
    • 4,826 Posts
    • 37,792 Thanks
    DawnW
    Update:


    OK, today's plans look like this:
    OH will walk the dog, as walking helps his recovery I will probably go with him this afternoon if the weather is ok (if not the dog won't walk far anyway!) OH did both I got plenty of exercise shifting wheelbarrow loads of logs!
    Make some scones, and a loaf Done
    Get soup out of freezer for lunch Lettuce and potato, not my favourite, but it made a nice warming lunch
    Peg washing done last night out on line Done, very nearly dry, will finish off on airer overnight
    Shift the rest of the logs from the garage to the woodshed, while OH is out this morning. I don't mind doing it at all (if fact I will enjoy it), but he will want to help if I do it when he is here, and I don't want him to do anything to jeopardise his recovery. Done
    Also did my weekly litter pick along the front of our terrace, while I had my old outdoor clothes on.
    Check banks and update spreadsheet Done
    Some cleaning Kitchen and conservatory today
    Check for surveys Oops must do this!
    All food from home, thinking of making macaroni cheese for dinner Done, added some mushrooms and slivers of ham, yum!!
    Originally posted by DawnW
    In other news, the cheque I wrote to the agency that issues trade cards for my brother's trade had cashed my cheque, so I got him to check the progress online. Apparently his card is ready to dispatch, so his quals were all in order He will now be able to go for better jobs - he started a temp post on NMW today, which is at least something, but if he has a trade he may as well benefit from it. He seems very pleased about this. So am I. It, and not me, will be his meal ticket going forward
    NSDs for February 8 / 18
    Decluttering 30 / 28

    • FatVonD
    • By FatVonD 5th Feb 18, 7:51 PM
    • 5,088 Posts
    • 20,491 Thanks
    FatVonD
    Evening all!

    I came back from my mum's today with the pickings from a chicken we had for lunch which DS turned into coronation chicken for his lunch. Dinner tonight is a selection of 'picky' stuff from the Mr T YS cabinet, pork pies, pasta salad, houmous etc and I also got a couple of salmon fillets for 64p which I've put in the freezer. I'm not a great lover of salmon but it might be nice in pasta.

    I collected the large clock that is going to be the basis of my sign for the craft fair, the bloke started rambling about where it came from, I didn't have the heart to tell him I'm taking it to bits and sanding the painted numbers off! I plan to create a document with my logo enlarged to the size of the clock to work out which size lazer cut letters I will need. I already have a tub of gold glitter I can use on them. I did have a weak moment looking at my mum's light up letter (I attached one to the outside of herChristmas present this year), but this way will cost a lot less.
    Make £20 a day in February £177.00/£560 (January £883.66)

    December £361.54, November £322.28, October £288.52, September £374.30, August £223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54) Total for 2017 - £2,495.10
    • FatVonD
    • By FatVonD 5th Feb 18, 7:54 PM
    • 5,088 Posts
    • 20,491 Thanks
    FatVonD
    Ally, I dreamed that yourself and the missus had a party and we all came up for it but I had a terrible bout of IBS and left a horrible mess in the loo. I guess I won't be getting invited again
    Make £20 a day in February £177.00/£560 (January £883.66)

    December £361.54, November £322.28, October £288.52, September £374.30, August £223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54) Total for 2017 - £2,495.10
    • linz
    • By linz 5th Feb 18, 8:34 PM
    • 1,594 Posts
    • 4,369 Thanks
    linz
    Evening all,

    Over the last few days I have;

    Made some meals for the week using some leftover Xmas turkey.

    Made some soup for works lunches.

    Walked into town at the weekend rather than driving/bus. 4 mile round trip and lots of steps for my fitbit

    Went for a run. Really enjoying getting out and about and getting fitter.

    Payday so moved some money to a new emergency savings account I have set up with Tescobank, 1.35%. Hope to eventually keep £1k in there without touching it unless an emergency to save dipping into current account.

    Driven economically and to the speed limit to maximise fuel economy. Filled up at Sains yesterday for the Nectar point draw but only managed to get 200 bonus points. Will need to think of 1 or 2 things to get from there to get the bonus as I don't normally shop there.

    Researched 2 new tyres i'll shortly need through Blackcircles.com.

    Log burner on rather than heating but I have turned it back on as of yesterday until this cold snap is over. Don't want my pipes freezing!

    Lights off, candles on!

    • allydowd
    • By allydowd 5th Feb 18, 8:34 PM
    • 3,917 Posts
    • 24,896 Thanks
    allydowd
    Ally, I dreamed that yourself and the missus had a party and we all came up for it but I had a terrible bout of IBS and left a horrible mess in the loo. I guess I won't be getting invited again
    Originally posted by FatVonD
    I can recommend a good therapist.
    Debt-free day: 8th May 2015
    The Joy Account: £50

    Bold Bicycle Bonanza: 44.59 km
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • carrielovesfanta
    • By carrielovesfanta 5th Feb 18, 8:44 PM
    • 1,400 Posts
    • 10,718 Thanks
    carrielovesfanta
    Ally, I dreamed that yourself and the missus had a party and we all came up for it but I had a terrible bout of IBS and left a horrible mess in the loo. I guess I won't be getting invited again
    Originally posted by FatVonD




    I don't think that my dream book has a section for that but I'll check when I get home!!
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • carrielovesfanta
    • By carrielovesfanta 5th Feb 18, 8:45 PM
    • 1,400 Posts
    • 10,718 Thanks
    carrielovesfanta
    Still in work... 2.5 hours overtime, yes please.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • FatVonD
    • By FatVonD 5th Feb 18, 10:26 PM
    • 5,088 Posts
    • 20,491 Thanks
    FatVonD
    I fixed the fish tank filter (snail infestation) meaning that when the new one I'd just ordered to be picked up in store arrives I can get it refunded without even leaving the shop!
    Make £20 a day in February £177.00/£560 (January £883.66)

    December £361.54, November £322.28, October £288.52, September £374.30, August £223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54) Total for 2017 - £2,495.10
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