since joining DFW I have.....

Snaggles

Great thread Hypno

Since joining I have:

-paid off our home improvement loan
-paid off our credit card (still use it but have paid it in full each month for the last 3 months)
-joined pigsback and earned a £10 Boots voucher
-got chatting to lots of lovely people
-got our finances to a point where we can afford to have a baby without it crippling us
-realised that buying 'stuff' is not the route to happiness!

Hurray for DFW!!

oops_a_daisy

ok since joining MSE I have......

got building & contents insurance through links on this site and via Quidco saving £111.49 per year
changed mortgage using tips from this site saving £1135.20 per year
changed gas & electric suppliers saving £48 per year
changed tariffs on TV, phone & broadband making a saving of £60 per year
started budgetting and meal planning thanks to OS saving £1320 per year
got cash back for opening new current account & savings account £103
moved my debts onto 0% c/cards so didnt pay any interest for a year on debts
re paid loan early so saved some money on interest ( cant remember how much )
claimed bank charges - about £800
claimed endowment mis selling - about £1100
claimed mortgage exit fee overcharge - £40
in process of claiming over payment on council tax
started selling on Ebay, Amazon & Green Metropolis
saved money into ISA
saved money under DD's name ( so tax free )
did some matched betting ( but too lazy now to do it )
switch off all appliances on stand by
put bags into the cisterns of all toilets in the house to save on water ( on a meter )
started growing own veggies
got water butts to collect rainwater
started composting
started saving £2 coins and money picked up on the street
joined pigsback for free vouchers - £30 so far
moved mobile onto £10 per month tariff saving £120 per year
Have gone from being £8500 in debt to having no debt and having savings :T

there are loads more things that I have done but thats all I can think of just for now

hypno06

LookingAhead wrote: »

Just wanted to say how seriously impressive some of this stuff is!

And I'm so pleased for GirlRacer that she has got rid of Vanquis especially - pheweeee!

You are the one who inspired me to do this, so thank you LA - anyway, your list was far more impressive than mine

clarab_3

great idea hypno - i have

paid off over 50% of my debt
Reclaimed £5000 in charges
Switched all my energy suppliers to cheapest rate
Switched my insurances through quidco
Havent paid for any toiletries in 6 months thanks to boots vouchers from pigsback.
SAVED a tiny cushion amount for those little emergencies that always saw me reaching for the cards (or the phone to my parents:o )
Halved my spending on overpriced food.
Lost a stone from eating healthier!
Gained the self confidence to trust (and like) myself more and
Had my first holiday in 3 years!:T

Its a long and winding road but I finally feel im winning, and the feeling of being in control is a real buzz that I get every day.

And the people here are lovely and never fail to surprise me withtheir good advice and kindness to strangers...

immoral_angeluk

Oooh great thread!! Will have to have a think...

Joined in October 06...

Cancelled Sky, negotiated better deals on water, mobiles, tv rental etc etc.
Cut our monthly shopping by about £150
Cancelled tv rental and bought new tv cash
Survived various disasters without getting into more debt
Gave birth to a healthy baby girl in January
Made £500+ on ebay
Have managed to cut our outgoings enough to make me able to give up work after my maternity leave ends.
DH passed his driving test.
Paid off Dell computer loan
Paid off Rockwell DCA
Paid off Capital one card
Paid off Mothercare card
Paid off Citi card
Paid off Blackhorse loan
Will have paid off Dotty p's card at the end of this week. (see sig for amounts)
Are much MUCH better off and happier than this time last year.
Have so far raised £270 for Cancer Research's race for life.
Have made loads of friends on this forum and my only regret is I didn't find it sooner!

babes21

Since joining MSE, i have:

* Reduced my phone bill from £100+ a month, to just £35
* Made over £1000 on ebay
* Joining Moozie's weekly budget thread i've spent a lot less daily
* Reclaimed bank charges
* Paid off debt
* Started to put more money into savings per month
* Have a totally different perspective on how i handle my money

I'm in no real debt, maybe a couple of hundred on my card, although i pay that off at the end of the month. I come on here as the people are inspirational, i want to save more, reduce my daily/weekly/monthly outgoings and to do that this seems the right place to be

chimp_choker

chunky79 wrote: »

Thats fantastic news lynz. I bet your so proud of yourself.


I spent £1.50 today buying a euro lottery ticket i don't usually but the baby had a leakage of dé poopage on my leg and i am sure you know the saying.

I have absolutely no idea why i said that but wish me luck anyways :rotfl:

........so why did you have a fan on your leg ?? At least that's where the sh$t would land if it was near me and i'd end up getting the most reuturned,lol.......

did you win the euro then??

tirednurse_2

chunky79 wrote: »

Thats fantastic news lynz. I bet your so proud of yourself.


I spent £1.50 today buying a euro lottery ticket i don't usually but the baby had a leakage of dé poopage on my leg and i am sure you know the saying.

I have absolutely no idea why i said that but wish me luck anyways :rotfl:

Laughing!

I just did a shift on a ward where poo poo a la was in abundance.
I am eagerly awaiting my million pound win from my premium bonds.

chevalier

Since joining this site I have
found quidco, pigsback, mutualpoints and greasypalm - I haven't made much but it is still free money!

done loads of surveys, and earned some vouchers

got a shed load of points in boots thanks to grabbit thread.

entered loads of competitions, but no wins yet!:rolleyes:

I now routinely check to see that I am getting x, y or z at the cheapest price.

Saved £123 on my car insurance, just wished I had done the sway before:mad:

Realised that banks are not our friends, and neither are big businesses.

chev

tirednurse_2

For me the best thing about discovering DFW was realizing that I am not alone.
Constant phone calls and letters from creditors was affecting my mental health - I grew tired of explaining again and again why I couldn't meet their payments. I have learned how to deal with bullying creditors from other DFW.
I have learned that there is no shame in not being able to pay back debts through no fault of my own. (NHS cutbacks etc etc)

I joined Quidco and got £75 cashback when I renewed my home contents insurance.
I have more or less halved my shopping bill by buying Asda smart price stuff instead of brand names.
I have reduced my phone bill by getting friends and family who are on free evening call tariffs to call me back straight away when I rang them.
And I discovered that you can get irons. hand blenders, food mixers etc for around a fiver if you shop around.
And I came across CCCS through this site. I would never have found them were it not for the DFW forum.