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  • FIRST POST
    • determined new ms
    • By determined new ms 5th Feb 18, 6:40 AM
    • 6,699Posts
    • 39,010Thanks
    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 4
    • determined new ms
    • By determined new ms 9th Feb 18, 6:33 AM
    • 6,699 Posts
    • 39,010 Thanks
    determined new ms
    Morning whoop I made it to Friday! Although I am pretty tired!

    xironsongx hope you're ok & have got some time off work!

    HK hope things are ok, sounds like it's the extended fam. Prob best to keep out of it. Least said soonest mended!

    Cannot imagine there will be a lot of small things going on but lets see...

    * lunch is xmas dinner soup and fruit and yogurt mmmm
    * dinner will be chickpea, potato & spinach curry - spinach & chickpeas in the freezer will have with ys onion bhajis
    * hang up washing
    * try to resolve issue with IT so I can submit my mileage claim for the last week. Otherwise it will be next month...
    * possibly post phone & stop by library on way home
    * hang up washing before work - must do this!
    * wine, book (borrowed from my friend yesterday) & early night tonight

    I'm so tired! This working full time mallarky is so tiring and I haven't even started doing the 12 hour shifts or the real demanding work yet!

    Ok happy Friday guys
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • DawnW
    • By DawnW 9th Feb 18, 7:47 AM
    • 4,819 Posts
    • 37,730 Thanks
    DawnW
    Morning all
    Take care HK, with all that stuff going on and upcoming surgery
    DNMS, I don't like the sound of 12 hour shifts - how many will you have to do per week?

    Anyway, today's small things for me are:
    Check banks (Done, no updates to spreadsheet needed, as nothing has gone out again this morning )
    Cheapie porridge breakfast with HG fruit from freezer
    Looking after GD while her mum takes her baby brother for his first lot of jabs. Poor little thing, he still seems so tiny
    GD will arrive with definite plans Currently she is into picnics, which, due to the weather, have to be indoor ones. I have a vintage picnic basket with china cups, saucers etc that I have to get out on a rug on the floor for this. I must say, the dog can't believe that anyone would go to all that trouble just for him
    All meals from home - lots of food in (as usual )
    Load of washing, though the weather doesn't look great...
    Some cleaning, at least need to do the bathroom floor (again).Don't have black and white tiles in the bathroom folks, because they show every speck of dust, and every drop of water leaves a mark
    Check for surveys later
    Ought to list a few more things on ebay
    Make a cake for OH to take to an elderly friend who has been in hospital with the flu/complications, from what I can make out

    Pretty boring list today
    NSDs for February 8 / 18
    Decluttering 26 / 28

    • allydowd
    • By allydowd 9th Feb 18, 9:27 AM
    • 3,904 Posts
    • 24,798 Thanks
    allydowd
    Hi February Fabulistas,

    Work day today and work can be a bit on Fridays.



    Debt Free-Nillionaire Continuity Plan Year Three:

    * Good, homemade, sustaining breakfast.

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

    * Check online banking and boradband usage.

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



    Onwards and upwards.
    Debt-free day: 8th May 2015
    The Joy Account: £200

    Bold Bicycle Bonanza: 44.59 km
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • PurpleFairy26
    • By PurpleFairy26 9th Feb 18, 9:54 AM
    • 2,002 Posts
    • 13,606 Thanks
    PurpleFairy26
    Morning frugal ones. I’m not at work were packed up and off for a few days. We’re SC so spends should be low. Few things so far:

    Check banking
    Made sandwiches at home
    Bought hot drinks and snacks for journey
    Got a few random bits from fridge to use up. Small pot of coleslaw, head of broccoli, half a tub of milk, pot of yogurt. Also a lonely banana and breakfast cereal and bread. Took some sausage rolls and 2 pieces of cake out of freezer for journey.
    Hung washing up before we left that I did overnight
    Vacuumed through
    Put DW on
    DH has worked out best speed to be most economical on journey in his relatively new (to us) vehicle. We wouldn’t normally use it as we use my work one. But we’ll have a relative with us whilst we’re away so it’s more comfortable for them this way.
    More mindfulness. Will look at anxiety uk. Thanks 1LL

    Enjoy your weekend folks. Purps.
    • 1LuckyLady
    • By 1LuckyLady 9th Feb 18, 1:33 PM
    • 645 Posts
    • 6,354 Thanks
    1LuckyLady
    Afternoon all,

    Todays list
    ys bread for ds1s egg on toast breakfast
    ds2 to free school breakfast club
    gym session completed and refilled water bottle whilst there
    Checked banking and sorted out my spreadsheet, found the missing £8.15 I'd put it in the wrong column
    Made a chilli and a chicken curry ready for the weekend. It will stop dh suggesting eating out!
    Reserved more library books for ds1 as he's re reading a series and he loves it so is getting through them quickly!
    Gave dh a fleece blanket to put over his legs as he keeps flicking the heating on!

    Still to do
    Got the code from anxiety uk I needed for headspace app so going to go and do a 10 minute session after posting here.
    Fix spare room cushion as i didn't do it yesterday
    Fix hand bag ^^^^^^^^^^

    Also sew up the lining of my coat (the old me would have been off to buy a new coat! silly old me!
    Fixed a fabric shopping bag that was full of holes!
    I thought there was one, turned out to be 3!


    Pf, hope you have a lovely few days away
    HK, hope the family issues sort themselves out.



    Last edited by 1LuckyLady; 09-02-2018 at 2:53 PM.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • purpleheir
    • By purpleheir 9th Feb 18, 1:56 PM
    • 4 Posts
    • 11 Thanks
    purpleheir
    Here are some of my small steps in how to save money every month:
    - ordering water for drinks when dining out (water is for free in restos in my country)
    - eating a simple breakfast: cereals and milk (healthy and filling)
    - eating leftovers from the night before instead of cooking a new dish, if possible
    - walking instead of using the cab or bus if the distance isn't far
    • foxgloves
    • By foxgloves 9th Feb 18, 2:08 PM
    • 3,802 Posts
    • 19,178 Thanks
    foxgloves
    Greetings my little frugal fairies,
    Oh my days......isn't decluttering just one of THE best things for sorting your head out? Am still doing some every day to make up for life rather getting away from me last year when we were having our annus horribilus. Anyway, today's been useful so far:
    *Froze 4 containers of the refried beans I batch-cooked yesterday. We both liked them & mr f asked that they go on the menu again soon. Result!
    *Cut up empty spread tubs to make free plant labels ready for seed-sowing season.
    *Cleaned all of downstairs - minimal products & washable microfibre cloths as usual. Just need to hoover upstairs.
    *Decluttered my jam jar cupboard ready for this year's preserving. Ditto my box of extra jars in the shed. 2 bags off to bottle bank tomorrow.
    *Refilled our tiny plastic boxes with dried fruit for next week's snacks.
    *Found a new lidded container to use as a kitchen compost caddy, rather than buy yet more plastic to replace old split leaky one.
    *Changed all household linens. Washer loaded for a cheap overnight load.
    *Wrote a letter - used a recycled envelope & improvised for a notelet.
    *Decluttered magazines & other bits & bobs to a friend I'm seeing tomorrow.
    *Sorted dry laundry - only 3 things needed ironing so did it in 10 mins. Yay! (One of my worst jobs)
    *Investigated energy bill - still £131 in credit, so hopefully this will start to build a bit once we are into the Spring. Am pleased that we are still in credit as our monthly payments were reduced by £17 a month too.
    *Did quite a few surveys.
    *Entered a prize draw & 1 competition.
    STILL TO DO:
    - Next week's meal plans......some meals will revolve around roasting a chicken on Sunday.
    - Write shopping list.
    - Mend a sock - darning mushroom & needle out ready but got sidetracked by the lure of coffee.
    So just those 3 little things to do & I shall be into free time for myself. Intend to have a proper wallowy bubble bath, wash my hair, face pack, the works.......then play the piano. Found all sorts of little gems while decluttering my music this week, so looking forward to playing them. mr f's cooking night, so leisure time for his lovely wife, lol.
    Hope everyone is managing to have a decent day.....so many stresses & strains around at the moment. Stay warm, too. It's so chilly at the moment.
    Love 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 = £322-95
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £304 2018 = £20
    • Lottebear
    • By Lottebear 9th Feb 18, 6:13 PM
    • 773 Posts
    • 3,516 Thanks
    Lottebear
    Hello everyone

    Thank goodness it is a Friday!

    This week I have eaten from stores.
    - Updated ebay listing with new stock.
    - Railcard arrived purchased with Tesco points and good as I am going tomorrow.
    - I also cashed in for some pizza restaurant vouchers whilst they are at the higher value.
    - Purchased lunch for DD and I for the train tomorrow, snacks from home.
    - Suitcase packed.
    • allydowd
    • By allydowd 10th Feb 18, 8:48 AM
    • 3,904 Posts
    • 24,798 Thanks
    allydowd
    Hi February Fabulistas,

    Today is my Friday, and for that reason I'm looking forward to work.




    Debt Free-Nillionaire Continuity Plan Year Three:

    * Good, homemade, sustaining breakfast.

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

    * Check online banking and broadband usage.

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

    * YS cheese muffins for breakfast.

    * Packed lunch for work will be cous cous with left over whatevers thrown in.

    * Charge phone at work.

    * Every week we have a food treat: this weekend we will be buying a wee treat from the local fishmonger and cooking it at home. Many of his wares are caught locally.



    To live without risk is to risk not living.
    Last edited by allydowd; 10-02-2018 at 9:32 AM.
    Debt-free day: 8th May 2015
    The Joy Account: £200

    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 10th Feb 18, 8:55 AM
    • 3,904 Posts
    • 24,798 Thanks
    allydowd
    News:

    Waitrose it changing its loyalty scheme. (Link) (Link2)

    TSB Refer A Friend Offer (Link)

    New Sanitary Saver comparison site (Link)
    Last edited by allydowd; 10-02-2018 at 9:00 AM.
    Debt-free day: 8th May 2015
    The Joy Account: £200

    Bold Bicycle Bonanza: 44.59 km
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • determined new ms
    • By determined new ms 10th Feb 18, 10:08 AM
    • 6,699 Posts
    • 39,010 Thanks
    determined new ms
    aw man TGI the weekend! I crashed out on the sofa at 7 last night and apart from oh waking me up to go to bed that was me for the night! Hope I adjust to working f/t soon as really don't want my weekends to be just getting over the week!

    Dawn I will do 3 days on & 4 off. Which actually i find quite appealing! Until we move to 24 hour shift pattern it will be 8am-8pm x3 days then off for 4. I think 12hour shifts are pretty standard in the NHS. So I think that will work quite well. Am hoping as it's not much longer than a full day it won't be too bad - but imagine on the 3rd day I'll be pretty tired! Think I'll need to pretty organised those 3 days however.... Batch cooking will be my friend I think...

    Anyway! Today:

    * go to library & post old mobile phones
    * all meals from stores
    * have asked my bro to pick up some soya milk for when he comes tomorrow so I don't have to go out....
    * stick dinner in s/c
    * go for a run
    * crafting with madam, sewing, reading, drinking wine and playing games for leisure
    * some hw
    * washing on line
    * potentially another load...

    That'll do!
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • DawnW
    • By DawnW 10th Feb 18, 11:02 AM
    • 4,819 Posts
    • 37,730 Thanks
    DawnW
    Morning all
    Enjoy your weekend DNMS, sounds a bit full on. With my last job, I ended up working 12 hour days most days... is this a danger for you, or is it the sort of job you can't actually do unless you are actually in situ? I hope so! If it is something that spills over agreed hours, home etc, beware of allowing this

    Anyway, I have been for a routine mammogram this morning (the glamour!) and walked the couple of miles for free exercise. It was freezing to start with, then started raining, but I had my brolly! Picked up some children's toothpaste on the way back for GD as we have run out here, and she always wants to clean her teeth something to be encouraged I suppose. She already has her own peppa pig toothbrush in the bathroom. DD reckons this is ready for when she moves in

    Also done:
    Washing folded from airer and put away
    Brown banana for breakfast, and used up a plastic sachet of yogurt stuff that DD left in the fridge, presumably for GD, as it was a day out of date. It wasn't very nice, but I wasn't going to waste it, and I can go back to my lovely Lidls Greek yogurt tomorrow! It is probably me being old fashioned, but I hate that idea of squeezing a plastic sachet of bland, over sweet slop into a child's mouth, but I understand that it what they all have for packed lunches now What is wrong with a little pot of nice yogurt or fromage frais and a spoon though

    Also got some apple juice (GD always wants pineapple really, but they didn't have that ), some bananas, and a magazine for me, which I really shouldn't have bought, despite the mammogram and walking a few miles in the rain But I did, so there

    Now sitting with coffee, and planning what else needs doing today:
    Some cleaning / tidying. Some friends of OH are coming round this afternoon I gather
    Dog needs walking. OH didn't do it because it was raining Dog doesn't like rain, but he will put up with it if you put his coat on.
    Bits from fridge etc for lunch
    Sausages for dinner
    Make some scones or similar, will chop up a shrivelled apple and chuck that in
    Check banks and update spreadsheet (must also add my norty spends )
    Check for surveys

    Anyway, better get on. Hope your weather is better than ours!
    NSDs for February 8 / 18
    Decluttering 26 / 28

    • foxgloves
    • By foxgloves 10th Feb 18, 11:16 AM
    • 3,802 Posts
    • 19,178 Thanks
    foxgloves
    Morning Saturday Friends,
    We got off to a lovely early start with the grocery shopping today & we don't need to go out again until late afternoon, so have got some unexpected leisure time now. Think I will read my book (charity shop!) & knit by the fire. Anyway, today's positive bits of frugality:
    *Grocery shopping came in £2-50 under budget, & that's including a bottle & some chocolate to take to our friends tonight.
    *Decided not to go into town centre as we usually would, as we didn't need anything, it was raining & we didn't want to pay for parking. So no spendy temptations there.
    *A*di currently has blueberries on Super 6, but our branch went one better than that as half of their blueberry punnets were YS at 45p each. I don't usually buy blueberries as they are ridiculously expensive for so few berries - I can't grow them either, despite buying special ericaceous compost & being green-fingered! But for 45p, I did get some to pop in the freezer.
    *Free coffee in Waitrose & a free warm too, while enjoying a scone (me!) & toasted teacake (him!) - we use our Personal Spends for such treats so no impact on our budget.
    *Entered 1 prize draw & 1 competition.
    *Updated grocery budget log sheet in my bullet diary - while I don't think I'd want to go to the HUGE length of time again it took me to design/rule up all the pages for my bullet diary, I am finding it very useful to have all my lists, monthly meal plans, grocery budget, etc, all in one place, so I think I will look for the perfect large page-a-day diary for next year & devise a sort of hybrid method.
    *Paid another 3 x 50ps into my sealed pot.
    *Did a survey.
    *Cashed in my 185,000 Toluna points for a £35 paypal payment.
    *Knit - ongoing project with Christmas present yarn - just in case anyone thought there'd been a naughty little yarn purchase. I am still very much in the mode of using up my yarn stash before buying anything else.....the only exception to this will be when I start knitting mr f's big hoodie......I will need to buy some new yarn for that, unless he wants to look like he's off to a rainbow festival of peace & love (actually, he wouldn't be too averse to looking like that, but I want him to have something he can wear for the journey to work).
    OK, that's today's small wins. Stay warm & dry, all. It's a proper soggy day here & unusually for me, I've already got the fire lit.
    F x
    Last edited by foxgloves; 10-02-2018 at 11:20 AM.
    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 = £322-95
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £304 2018 = £20
    • carrielovesfanta
    • By carrielovesfanta 10th Feb 18, 11:31 AM
    • 1,394 Posts
    • 10,661 Thanks
    carrielovesfanta
    Good morning folks

    HK - sorry that things are a bit up the wall at the mo
    Xironsongx - sounds scary. I hope you're ok

    Big dodgy hugs all round

    Been meaning to post over the last two days but seemed to be very busy. Here's the roundup and plan going forward:
    • Two lunches out but kept down reasonably low (£30 in total and from budgeted spends). Other meals from stores
    • New pc screen - old telly from M-I-L's. Thought we would need to buy a stand (£15.99) but actually it just props up against the wall fine.
    • List old monitor on FB
    • Errand to the in-laws - free lunch.
    • Pepped up our white hand towels that had gone dingy by dyeing them blue instead of buying new ones
    • Pepped up OH's gigging jeans and a dingy gym top by dyeing them black (top went a lovely charcoal grey) instead of buying new ones
    • Managed to get a new pair of boots for OH... only £9 over budget and much better quality than the ones originally priced
    • New gym shoes for me - got the exact ones I wanted for nearly half price.
    • Had my hair cut. Took a selfie and tagged the salon to get 10% off the bill
    • Enquired about getting a colour done with the apprentice. They want patient easy going customers. I am that customer.
    • Made a scarf to match my hat and gloves. Yarn now used up.
    • Painted a radiator - house getting pretty rubbish but LL doesn't seem to have much of an appetite for improvements. Technically we need permission but I matched the paint into what was there. You can't tell the difference - it just looks fresher.
    • Batch cooking for the week all done
    • Windows open to air the house
    • OH removed the arms off the study chair - now it fits under the desk, new chair not required.
    • Stripped bed - remake this afternoon after it has aired
    • Small bit of housework
    • Sunshine and showers CAL
    • Flicked through some gardening books and read my almanac - planning some growing
    Wow - it looks like more than I realised!

    Have a good one all

    clf x
    Last edited by carrielovesfanta; 10-02-2018 at 11:34 AM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • determined new ms
    • By determined new ms 10th Feb 18, 1:01 PM
    • 6,699 Posts
    • 39,010 Thanks
    determined new ms
    Morning all
    Enjoy your weekend DNMS, sounds a bit full on. With my last job, I ended up working 12 hour days most days... is this a danger for you, or is it the sort of job you can't actually do unless you are actually in situ? I hope so! If it is something that spills over agreed hours, home etc, beware of allowing this
    Originally posted by DawnW
    No I don't think it will come to that. I am back up for people being assessed under the mental health act. When I'm at work I will be out working with people but when I'm finished I'm finished. I'm quite disciplined about work/real life as I wasn't when in management and I burnt out. When I stepped down I felt I never commanded the bucks that would have made me feel like firing up my equipment! When I'm at work I give it 100% and when I'm not they're dead to me
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • Bagpuss741
    • By Bagpuss741 10th Feb 18, 1:58 PM
    • 1,860 Posts
    • 8,763 Thanks
    Bagpuss741
    Sorry I disappeared again Went for a check up on my knee last week which involved an xray and discovered that the top screw had come loose so had to get admitted for more surgery. Surgeon told me yesterday that infact both screws had loosened and my knee cap was coming away and so new longer screws were put in Came home from hospital yesterday to find out I have a PIP assessment in a week


    Today I have/will:


    1. Been high as a kite on painkillers
    2. Checked online banking
    3. NSD
    4. Received money off vouchers from Waitrose so popped them in my purse so I dont lose them
    5. Check budget for next week
    6. Meals from stores
    7. Organise post that has arrived whilst I've been in hospital
    8. Put washing in and currently drying on airer
    Post Office £0Capital One £0Tesco £1400As of 09/01/18
    One debt to go
    • determined new ms
    • By determined new ms 11th Feb 18, 9:33 AM
    • 6,699 Posts
    • 39,010 Thanks
    determined new ms
    Morning whoop to it being Sunday

    Things to do:

    * washing & hang on line
    * chicken cooking for roast chicken sandwiches later - going for a walk, a pint and come back to chicken sandwiches with db today
    * get clothes, lunches & bags ready for tomorrow
    * I'd like to go for a run today. Not sure it will happen though!
    * making brownies with madam shortly
    * clean bathroom, sweep downstairs & vacuum up
    * read book later

    Ok that'll do
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • carrielovesfanta
    • By carrielovesfanta 11th Feb 18, 10:19 AM
    • 1,394 Posts
    • 10,661 Thanks
    carrielovesfanta
    Morning folks

    Had a pretty meh evening yesterday and feeling meh today. I'd like to go for a run at lunchtime but the weather looks atrocious. It keeps hailing. I've run in the hail by accident once before and I don't want to repeat it!

    Today's mission:
    • B/L/D from stores
    • No alcohol
    • Crochet
    • Sew up hole in glove, as inspired by 1LL
    • Early night
    Keeping it simple.

    Have a good one folks

    clf x
    Last edited by carrielovesfanta; 11-02-2018 at 4:05 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • allydowd
    • By allydowd 11th Feb 18, 10:26 AM
    • 3,904 Posts
    • 24,798 Thanks
    allydowd
    Morning folks


    Had a pretty meh evening yesterday and feeling meh today. I'd like to go for a run at lunchtime but the weather looks atrocious. It keeps hailing. I've run in the hail by accident once before and I don't want to repeat it!


    Today's mission:
    • B/L/D from stores
    • No alcohol
    • Crochet
    • Early night
    Keeping it simple.


    Have a good one folks


    clf x
    Originally posted by carrielovesfanta
    I don't mind bad weather. I think of it as a free Natural Exfoliating Facial.

    I'm with you on the less alcohol thing, though. I'm not a big drinker but I'm not buying any more spirits this month.
    Debt-free day: 8th May 2015
    The Joy Account: £200

    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 11th Feb 18, 11:16 AM
    • 1,394 Posts
    • 10,661 Thanks
    carrielovesfanta
    I don't mind bad weather. I think of it as a free Natural Exfoliating Facial.

    I'm with you on the less alcohol thing, though. I'm not a big drinker but I'm not buying any more spirits this month.
    Originally posted by allydowd

    I don't mind the bad weather too much, although I got some large hailstones on the face today which kinda hurt. Def don't fancy a jog in it though!
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
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