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  • FIRST POST
    • determined new ms
    • By determined new ms 2nd Jul 18, 7:19 AM
    • 7,280Posts
    • 43,381Thanks
    determined new ms
    What small DFW things will you do w/c 2nd July?
    • #1
    • 2nd Jul 18, 7:19 AM
    What small DFW things will you do w/c 2nd July? 2nd Jul 18 at 7:19 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
    • PurpleFairy26
    • By PurpleFairy26 2nd Jul 18, 7:24 AM
    • 2,752 Posts
    • 18,844 Thanks
    PurpleFairy26
    • #2
    • 2nd Jul 18, 7:24 AM
    • #2
    • 2nd Jul 18, 7:24 AM
    Morning determined and all who follow. Thanks for starting us off, I'd just come back to the board after copying the text so there was nearly a double thread broken nights sleep here so I'll be surviving on coffee later I'm sure. Things to do /have done

    Check banking
    Load of washing from yesterday out
    Packed lunches and snacks for 3 from what was in the fridge/stores including hm lemon drizzle cake
    Quick shower, hair dry naturally
    Appointment wth bank to fix mortgage rate again
    Leftovers for tea, made double batch yesterday
    Message childminder about holiday cover
    Early night to catch up on some zzzzz

    Hope you're all ok.
    • determined new ms
    • By determined new ms 2nd Jul 18, 7:26 AM
    • 7,280 Posts
    • 43,381 Thanks
    determined new ms
    • #3
    • 2nd Jul 18, 7:26 AM
    • #3
    • 2nd Jul 18, 7:26 AM
    Morning whoop it's a glorious day and I'm off I've a busy week this week as it's madam's birthday Weds, a little tea party with school friends tomorrow. So I'm trying to be as efficient as I can to squeeze in as much me time as possible!

    Today:

    * have tidied up & swept d/s - still need to clean bathroom & wash floors
    * going to the allotment for an hour straight after school run
    * friends coming over for lunch/afternoon. Have been so busy recently (aka sewing every spare moment!) so organised a catch up with 2 at once. They are coming for a bring and share lunch & a hot tub
    * make butter bean dish, couscous and prepare salad
    * prune bushes in front garden
    * clean lounge windows o/s
    * stop at local coop to get bits for redcurrant relish mmmmmmm check what we've got first!
    * cut out material and make pencil skirt once I've cut out material it's a fairly quick sew

    Ok that's me! Happy days
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • carrielovesfanta
    • By carrielovesfanta 2nd Jul 18, 7:43 AM
    • 2,148 Posts
    • 17,059 Thanks
    carrielovesfanta
    • #4
    • 2nd Jul 18, 7:43 AM
    • #4
    • 2nd Jul 18, 7:43 AM
    Morning folks!

    Thanks to DNMS for starting us off

    Bit of a shock this morning to find that my basil plants have been destroyed overnight by a slug/snail. Thanks to some advice from Dawn and Foxgloves I will re-sow later.

    Villa paid for. OH and I were discussing how amazing it was to be in the position where we can just say "oh yep we need to pay this 400 now" and it not be a problem. We've come so far from panicking every time a bill came and struggling to pay the minimum off the cards. OH's card should be gone in the next 3 months. Followed by my student loan in the next year or so. Then we will be totally totally debt free. If anyone is reading this who is struggling - there is light at the end of the tunnel

    Anyway, today's mission

    • B/L/D from stores
    • Grate the giant courgettes. Poss cook another courgette loaf cake?
    • Charge phone in work
    • Gym at lunchtime - dying
    • Water garden
    • Re-sow basil
    • Check gift bag stash for suitable baby present bag
    • Ask OH to post card
    Have a good one all

    clf x
    Last edited by carrielovesfanta; 02-07-2018 at 12:47 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 8500
    Car final lump sum: 400/6113
    • determined new ms
    • By determined new ms 2nd Jul 18, 8:13 AM
    • 7,280 Posts
    • 43,381 Thanks
    determined new ms
    • #5
    • 2nd Jul 18, 8:13 AM
    • #5
    • 2nd Jul 18, 8:13 AM
    so jel you're picking courgettes already CLF!
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • carrielovesfanta
    • By carrielovesfanta 2nd Jul 18, 9:04 AM
    • 2,148 Posts
    • 17,059 Thanks
    carrielovesfanta
    • #6
    • 2nd Jul 18, 9:04 AM
    • #6
    • 2nd Jul 18, 9:04 AM
    so jel you're picking courgettes already CLF!
    Originally posted by determined new ms

    Thanks! They are coming thick and fast! I don't know what variety though. My boss grew them and brought them in as young plants. They are in a nice deep raised bed though so I guess they are happy
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 8500
    Car final lump sum: 400/6113
    • DawnW
    • By DawnW 2nd Jul 18, 4:44 PM
    • 5,630 Posts
    • 44,841 Thanks
    DawnW
    • #7
    • 2nd Jul 18, 4:44 PM
    • #7
    • 2nd Jul 18, 4:44 PM
    Hello
    Really hot again, and no prospect of rain in the near future
    Still, at least we don't have the awful fires that they have near Manchester It is so dry though, with long, dead grass on the roadsides where it doesn't get cut any more (probably for ecological as much as moneysaving reasons to be fair), it is easy to imagine what might happen should some unthinking motorist throw a cigarette end out of a car window

    At first glance not much done today partly due to the heat and partly due to DD being here all afternoon, but I did get some things done this morning:

    Spent some time on my budgets - the end of June marked half way through the year, and with all the expense this year, we are sadly a lot more than half way through the budget

    Blanched and froze half a carrier bag of broad beans and a smaller quantity of mangetout

    Took some items to my sales unit to stock up. It was payday too although jumping for joy is a bit of an over reaction given I was out of action for the first half of last month and unable to restock as often as I would have liked. Still, some money is better than none! Did associated business paperwork.

    Picked up my prescription, some compost and a YS loaf as I had to get the car out. It is a real struggle because one end of our terrace's access road is still blocked with machinery and has a big hole in it. OH found out from the workmen that the hole digging wasn't ideal as they didn't have the correct machine, and they were unable to dig the other holes needed for the job due to the Council not giving permission to dig up newly surfaced road except in case of emergency. So 2 weeks of disruption for nothing, and goodness knows how much it cost No wonder our water bills are so high - honestly, you would have thought they would sort the necessary permissions and machinery before they started the job, wouldn't you?

    And that is about it - I am hoping to do a bit more later, but it is the hottest part of the day atm and really humid Will certainly need to do some watering!

    • ziggy2407
    • By ziggy2407 2nd Jul 18, 7:34 PM
    • 3,504 Posts
    • 30,974 Thanks
    ziggy2407
    • #8
    • 2nd Jul 18, 7:34 PM
    • #8
    • 2nd Jul 18, 7:34 PM
    Good Evening All

    DNMS - Thanks for starting us off today

    Hi to all of the regulars and a BIG welcome to all the newbies, this is a really FAB thread with so many lovely, caring, considerate and supportive people.

    Well another gorgeous day

    Check Bank & made PAD - Done
    Freezer shop at Farmfoods as our local shop is closing down and everything was 50% off today - Done, only bought what we will use people were piling trollies high, it was a bit crazy
    Walk - clocked up another few miles
    Small shop at Mr M with list - Done
    All meals from cupboards/fridge/freezer - Done
    Checked: Tombola Stars, Lucky Bob, Luckyphone, FPL, WinaDinner - Done
    Read - started library book - Chris Packham's memoir

    Night all, watching more riveting football!

    C x
    Make 5 per day 2018 1556.43/1825.00 Make 5 per day Jan 19 36.08/155 Make 5 per day in Feb 19 414.06/140 Make 5 per day Mar 19 60.55/155 Make 5 per day in Apr 19 158.65/150 Make 5 per day in May 19 28.00/155 Make 5 per day in June 19 16.50/150
    • Baileys Babe
    • By Baileys Babe 2nd Jul 18, 7:59 PM
    • 2,496 Posts
    • 12,893 Thanks
    Baileys Babe
    • #9
    • 2nd Jul 18, 7:59 PM
    • #9
    • 2nd Jul 18, 7:59 PM
    Thank you DNMS for starting this week thread

    Today I have:
    Home educated the children for free
    Found some books relevant to ds studies on medieval England amongst our HE resources, reminded him he was allowed and encouraged to look for himself, he was very pleased as he will be able to do some history reading when we are in the car travelling to or from training, HE groups & classes
    Checked bank accounts
    Billed 1 person for wholesale food order
    Person paid
    Dry 2 loads of washing on the line
    Turn off lights and appliances when not in use
    RM survey
    Correctly delivered survey
    Set dw to run overnight
    Set wm to run overnight
    B/L/D from stores
    Kept up to date with 3 email accounts
    Dealt with at least 10% from 1 of my other 3 email accounts
    Received 30 vouchers from cashback credit card

    Update from last week:
    My plans for this week are:
    Chase up focus group reward Done, awaiting a reply
    Chase survey reward Done, awaiting a reply
    Originally posted by Baileys Babe
    Focus group have been in touch to say there is a delay and rewards should be with us shortly.

    I received the outstanding rewards for surveys today
    • little pink purse
    • By little pink purse 2nd Jul 18, 10:07 PM
    • 898 Posts
    • 4,282 Thanks
    little pink purse
    Hi everyone

    Sorry I have not been on I had a touch of the black dog and the grey fog I did not feel I had much to say
    But happy to say feel like the fog is lifting and that spring in my step is coming back lol

    See you in the morning love to you all and hugs if you need them xxxlppxxx
    Last edited by little pink purse; 02-07-2018 at 10:08 PM. Reason: Crazy
    NSD
    may fuel and food budget 350.00

    debt total 71k
    • little pink purse
    • By little pink purse 3rd Jul 18, 6:32 AM
    • 898 Posts
    • 4,282 Thanks
    little pink purse
    Good morning

    Cold and dull here

    Today!!!8217;s todo

    Check banking
    Meals from stores
    Small tidy up
    Washing out
    Clean my car (well hover )

    Hope you have a great day xxxlppxxx
    NSD
    may fuel and food budget 350.00

    debt total 71k
    • PurpleFairy26
    • By PurpleFairy26 3rd Jul 18, 7:05 AM
    • 2,752 Posts
    • 18,844 Thanks
    PurpleFairy26
    Morning all good to see you LPP glad things are improving for you. My list today:

    Check banking and update sheet
    Packed lunches x 3, more hm lemon drizzle cake all round
    Load of washing on timer ready for when I get home from work and another one will go on
    Hot drink for commute made with morning cuppa
    Messaged childminder which I forgot to do yesterday but remembered when I reread my list on here
    Quick tidy round
    Pack dd bag for an organised sleepover she is going on at the weekend
    Try for a run later when it cools down
    Message about a party for dd that she can't go to
    Get milk from the farm on the way past

    Think that's about all for now. Have a good day all. Purps.
    • carrielovesfanta
    • By carrielovesfanta 3rd Jul 18, 7:22 AM
    • 2,148 Posts
    • 17,059 Thanks
    carrielovesfanta
    Morning folks

    LPP - I'm glad it's lifting. Take care of yourself x

    I was too hot to pretty much contemplate anything apart from laying by the fan with no apparel last night so today's list is a roll over:
    • B/L/D from stores
    • Grate the giant courgettes. Poss cook another courgette loaf cake? - I feel like this is the courgette version of Ally's quiche
    • Charge phone in work - done
    • Gym at lunchtime if my coach sends my programming - done
    • Water garden
    • Re-sow basil
    • Check gift bag stash for suitable baby present bag
    • OH to do housework today
    • Wash vacuum cleaner filters
    Have a good one all

    clf x
    Last edited by carrielovesfanta; 03-07-2018 at 1:50 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 8500
    Car final lump sum: 400/6113
    • determined new ms
    • By determined new ms 3rd Jul 18, 8:46 AM
    • 7,280 Posts
    • 43,381 Thanks
    determined new ms
    Hi everyone

    Sorry I have not been on I had a touch of the black dog and the grey fog I did not feel I had much to say
    But happy to say feel like the fog is lifting and that spring in my step is coming back lol

    See you in the morning love to you all and hugs if you need them xxxlppxxx
    Originally posted by little pink purse
    I for one love your posts lpp. they always make me smile! Sorry to hear things have been wobbly for you x
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • Lucifa73
    • By Lucifa73 3rd Jul 18, 9:25 AM
    • 7,655 Posts
    • 10,529 Thanks
    Lucifa73
    This looks like a fun and positive place for regular visits!

    Today I have
    • left my purse at home (Not deliberate but will definitely save me money!)
    • put a load of washing out to dry and another in the machine for mum to hang out
    • made a list of needs to maximise work double discount at MrT
    • completed a survey
    What is 'B/L/D from stores' ?

    I will be back - I like this accountability!

    Luc x



    26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%
    28.1.19/28.1.19 Hubs 0% 400/2,977 =13.44%
    SPC 2019 #073



    • carrielovesfanta
    • By carrielovesfanta 3rd Jul 18, 10:35 AM
    • 2,148 Posts
    • 17,059 Thanks
    carrielovesfanta
    Welcome aboard Lucifa! Always room for one more

    B/L/D from stores means breakfast/lunch/dinner, made using what you have in already
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 8500
    Car final lump sum: 400/6113
    • Lucifa73
    • By Lucifa73 3rd Jul 18, 10:49 AM
    • 7,655 Posts
    • 10,529 Thanks
    Lucifa73
    Thank you! I thought it was some kind of mysterious shopping method
    26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%
    28.1.19/28.1.19 Hubs 0% 400/2,977 =13.44%
    SPC 2019 #073



    • determined new ms
    • By determined new ms 3rd Jul 18, 1:39 PM
    • 7,280 Posts
    • 43,381 Thanks
    determined new ms
    geez I'm exhausted! Madam has playdate this afternoon for her birthday and so I have cleaned the whole house (opps not our bedroom though!), put things away, generally ran around!

    went gc shopping and spent 32

    went to the allotment this morning and watered all of the plants - that was a full hour workout, pumping the pump and walking backwards and forwards to the water tank!

    Going to go and jump in the bath and read for 15 mins before going to get the poppets!
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • DawnW
    • By DawnW 3rd Jul 18, 2:08 PM
    • 5,630 Posts
    • 44,841 Thanks
    DawnW
    Afternoon all
    Not quite so hot today, or not yet anyway!
    Small things so far today:
    Rang the NT and enquired whether we are eligible for 'Senior' membership, as we are both over 60 and have been members for years. We are. 28.80 refund on its way . Not sure why they don't just apply this reduction, as all the details are on their system, but you have to contact them to request it - how many others are paying the full amount when they could receive this discount? If I hadn't idly looked at the small print on the back of the renewal letter, I still wouldn't have known about it!
    Checked banks and updated spreadsheet
    Finished off some items from the fridge for lunch
    Made a pot of Bolognese before it got too hot, to use up veg in fridge - had to throw away a carrot and a stick of celery that had gone bad
    Chopped and froze remaining mushrooms not used in Bolognese
    Packed and posted 4 ebay parcels
    Did an Ipsos survey which promises laundry products to try out

    Did a shop, stocked up and used a 12 off a 60 shop voucher in Mr S, plus a handful of extra Nectar points vouchers They have sent me vouchers for 9 off for the next couple of weeks. Won't use them, as a 60 shop is huge for me! As it is the 60 included a large cool bag which was reduced, which I thought would be easier and neater than shopping bags for non-perishables in the camper van.


    Still need to make a frittata and water the garden. Was poised to collect GD from preschool this afternoon as this morning DD had a scare with baby GS, who choked on a croissant It was only a partial blockage thank goodness, but she couldn't get him to cough it up, so called for an ambulance. Both the ambulance service and the hospital were fab, and after checking him over, the doctor allowed him home in time to collect his big sister Of course, GS, being only 7 months and living very much in the moment, has long forgotten about what happened just after 10am DD says he isn't having anything that isn't mashed up ever again Trouble is he is a piggy baby who grabs whatever everybody else is eating, so I can't see finger foods not happening - but probs no more croissants for a while
    Put some stuff away in the garage (though I have just noticed 2 more things that need to go down there )
    Put more stuff back in camper van - trying to clear stuff mountain in dining room!
    Paid window cleaner (not moneysaving, but my days of climbing ladders / leaning out of upstairs windows are over, and so are OH's!)

    Washing out on line to dry

    Climbed up on the (very) raised bed and summer pruned the cordon trees at the back - that was a hot job!
    OH fixed the catch on the small landing window I thought I would have to get a double glazing specialist firm in to do that, so money definitely saved there And we will be able to have it open again, which will help with keeping the house cool

    OH also fixed the garden brooms, which had both lost their heads. I knew he could do this though, as he is good at fixing much more complicated wooden things than that! Good to see him saving money instead of spending it

    Just about to make a frittata to use up more veg
    Last edited by DawnW; 03-07-2018 at 4:15 PM.

    • Happy Kitties
    • By Happy Kitties 3rd Jul 18, 2:19 PM
    • 854 Posts
    • 7,152 Thanks
    Happy Kitties
    Afternoon everyone

    Have a case of CBA at the moment and have a meeting tonight that I have to attend. 3/4 thru the paperwork but motivation is lacking
    Banking all checked- everything good
    RM survey done
    Nearly completed my second link to hope shoebox, just need a couple of bits to finish off so will go to h.b@rgains in the morning for the items
    Cashed out on quidco
    DD is doing sterling work in using up bits and pieces in the fridge-everything goes in to a stir fry....some interesting combinations so far
    Won some money over the weekend so took DD and BF out for lunch yesterday. DD BF was horrified when i asked for a piece of foil to take some of the remains home.....some really good chicken and gammon......was not leaving it behind
    Things that I thought would have been eaten that haven't been- stashing remaining bought packs in the freezer in the smallest amount of room-freezer tetris is def going on
    Bought DM her birthday present. It isn't until October but is something she would love and was reduced
    Had to buy cat litter this morning-just stuck to what I needed
    Have very nearly finished doing June's month end in spends book
    LPP great to see you posting and good to hear that you are doing better. Sending hugs
    Welcome Lucifer a great thread to be on, it keeps me on the straight and narrow!
    Scary with baby GS DawnW glad he is okay, but still frightening
    Well better finish this paperwork

    Have a great afternoon everyone x
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=360.66
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