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  • FIRST POST
    • allydowd
    • By allydowd 5th Nov 18, 12:05 AM
    • 4,367Posts
    • 28,255Thanks
    allydowd
    What small DFW things will you do w/c 5th November?
    • #1
    • 5th Nov 18, 12:05 AM
    What small DFW things will you do w/c 5th November? 5th Nov 18 at 12:05 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!
    Debt-free day: 8th May 2015
    The Joy Account: 5
    0
    Bold 100 Miles Bicycle Bonanza Challenge: Completed
    Run 25 Miles for Sanity Challenge: Completed
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
Page 5
    • daydreamsofaunicorn
    • By daydreamsofaunicorn 9th Nov 18, 4:10 PM
    • 31 Posts
    • 242 Thanks
    daydreamsofaunicorn
    With the sudden realisation that Christmas is just around the corner I've decided to join you lovely lot again. Really need to make some changes to my spending. We're thankfully in a position where we are not struggling at the moment but have no/little savings & I'm literally throwing money away. Hopefully being here can keep me a little more accountable. Plans for the rest of the day are:

    • List at least 5 things on Ebay done
    • Tidy up my Ebay account (leave feedback etc) done
    • Update spends spreadsheet done
    • Tidy out freezer - what can be used for meals next week done
    • Meal plan and write shopping list for next week done
    • Nightshift tonight (hopefully I'll be able to put my name down for more shifts over the coming weeks) nothing available
    • Email boss at old job to see if I can pick up any shifts there - had second thoughts about this one
    • Set Christmas budgets and plan what I am buying people
    • Write list of people to send Christmas cards to
    • Check Paypal and see still needs to be paid - I absolutely hate pay after delivery but can't seem to turn it off done

    Lx
    Last edited by daydreamsofaunicorn; 10-11-2018 at 6:41 AM.
    November Make 500 - 176.02/500
    • foxgloves
    • By foxgloves 9th Nov 18, 5:28 PM
    • 4,397 Posts
    • 23,462 Thanks
    foxgloves
    Hi Friday Frugalistas,
    Useful day, but grocery shopping was much more over budget than I'd hoped. Hmmm. Think I might have to explore that on today's DFW diary entry. Anyway, back to today's list:
    *5 bags delivered to charity shop - not money saving for us, but hopefully bargainaceous for someone else & we've got our landing back.
    *Free mince pie with Waitrose loyalty card.
    *Cleaned the house using minimal products & washable cloths.
    *Saved packaging from my online Christmas present orders which arrived today - 2 good sturdy boxes & some bubblewrap.
    *Entered a competition.
    *Finished our Christmas shopping (gifts)
    *Start reading my next book - another nearly new charity shop find.
    *Knit a bit more jumper.
    Am competing with cat for the fireside now. Only just put downstairs heating on as haven't felt too chilly this afternoon & was out this morning.
    Peace to all,
    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 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 398
    • foxgloves
    • By foxgloves 9th Nov 18, 5:35 PM
    • 4,397 Posts
    • 23,462 Thanks
    foxgloves
    DNMS - Sorry to hear about your friend. The best we can aim for with funerals is to reflect on & celebrate the life of the person, but they are such sad occasions. I've said goodbye to my Mum, my Dad & one of my very best friends over the last 18 months & while all the services have been lovely, the sadness & intensity of the occasion does stay with you for a long time 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 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 398
    • foxgloves
    • By foxgloves 10th Nov 18, 6:40 AM
    • 4,397 Posts
    • 23,462 Thanks
    foxgloves
    Morning Saturday Savers,
    Well, mr f has to work today so I'm up early so we can have breakfast together before he goes. My plans today include:
    *Two baths from one lot of hot water.
    *Roast the meaty beef bones I bought yesterday & get them into the slow cooker to make a batch of beef & vegetable soup for mr f's work lunches.
    *Wrap a few Christmas presents to free up my desk. Will maximise use of my recycled wrappings stash.
    *Check my ebay listings. Only 2 more sales as of last night but lots of watchers.
    *Entertain my lone self for free with my book, audiobook & TV boxset.
    *Knit if it doesn't hurt my hand too much. Sure it's just an RSI but it is painful if I move it in a direction it'd rather not go.
    *Alter meal plan slightly to make better use of fresh ingredients.
    Have a good day all,
    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 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 398
    • daydreamsofaunicorn
    • By daydreamsofaunicorn 10th Nov 18, 6:52 AM
    • 31 Posts
    • 242 Thanks
    daydreamsofaunicorn
    Morning all, almost finished the nightshift. It was busy than I thought it would be so didn't get much of my own stuff done (terrible that I have to actually do work at work eh?! ). I'm going to try and avoid going to bed today so hoping a long list will stop me crying for my bed. Today's plans:

    • Set Christmas budgets and plan what to buy people
    • Write list of people to send Christmas cards to
    • Check Christmas things in loft to see if I have enough cards left over from last year
    • Stick to shopping list (not easy when you're accompanied by a man child)
    • Check bank and update spreadsheet
    • Put 10 things on EBay
    • Collect my dog from my mum's as she's staying with us for the night
    • Pray dog doesn't poo everywhere like she did the last time!!
    • Make sure all devices are charged at work
    • Take advantage of 25% at New Look & buy boots I've had my eye on for a while

    Lx
    November Make 500 - 176.02/500
    • determined new ms
    • By determined new ms 10th Nov 18, 9:35 AM
    • 7,041 Posts
    • 41,547 Thanks
    determined new ms
    Morning guys We just got our pup back on Thursday and it was very timely. Despite the sadness of the time at the moment having a pup brings such joy. I've just got back from a 45 min walk in the woods and I dare anyone not to feel joy seeing a pup run around, tail wagging, grinning from ear to ear

    someone was disposing of a stainless steel pedal bin so I grabbed that on the way home as we needed another solution to our recycling situation as pup constantly is in the recycling box

    Come back and feeling good after the exercise too

    madam and oh at swimming lessons. I'm going to finish the coffee I'm drinking then whip round and get this house tidy!

    Need to attack the washing mountain - both clean and in need of washing!

    All meals from stores - need to do a meal plan and shopping list as have to go with oh as can't drive!

    probably bake a cake, play some games, watch something with madam

    will take pup for another walk later on. Forecast says it won't be raining between 2-4

    secretly knitting when madam goes to bed. Currently knitting her some socks for xmas

    ok that'll do! Happy weekend guys
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • DawnW
    • By DawnW 10th Nov 18, 9:06 PM
    • 5,304 Posts
    • 41,990 Thanks
    DawnW
    Evening all
    Quiet thread today!
    Up early, walked the dog and went for my flu jab this morning, and ended up having a pneumonia one as well Got absolutely soaked as I walked - OH had the car and I didn't want to brave trying to park the camper van in the tiny car park at the surgery when it was so busy with the flu clinic that they had volunteer parking marshals on duty Anyway, done now, and the exercise won't have done me any harm.

    Came back, changed my wet clothes and DD and kids turned up. Fed everyone, played with the children until DD took them home mid afternoon, by which time it was dog walking o'clock. Shattered now, and about to have an early night. Not sure which side I will manage to sleep on though, with 2 sore arms
    Had more of my exceedingly hot chilli for dinner, and finished off the yogurt with it, so need to buy some more tomorrow.

    OH has brought lots of game birds back with him, which he will be dealing with, but I will need to find space in the freezer He also casually mentioned that he had bought half a lamb, but left it there in his host's freezer for now, thank goodness, to pick up another time.
    My only spend today was 3.99 for a comic / magazine for GD, which she loves to choose from the corner shop on Saturdays
    Need to do a small shop tomorrow after visiting the Sunday flea market though!
    Last edited by DawnW; 10-11-2018 at 9:10 PM.

    • crazy_cat_lady
    • By crazy_cat_lady 10th Nov 18, 9:20 PM
    • 4,126 Posts
    • 35,318 Thanks
    crazy_cat_lady
    Evening all
    A very busy couple of days for me - I haven't even had the computer out at home. Work yesterday, followed by ds swimming lesson, followed by the weekly shop at Mr S (75 - hopefully will do 10 days). Didn't sleep that well last night - I still have ds sleeping in with me and, as lovely as it is, he's a real bed hog.
    Up early this morning to take some washing over to bestie's house (bless her) before I went tutoring. Filled the car with petrol on the way home and spent a couple of hours at bestie's house. Hopefully the washing machine will be fixed on Tuesday as I'm not sure how much longer I can survive without it. I definitely can't afford that heated airer though - it's almost as much as a new machine... (and it looks amazing).
    November in NY #20 NSD = 9 1 debt vs 100 days 328.51/1685
    DFD #1: 6 Nov 15 - paid 28,447
    • determined new ms
    • By determined new ms 10th Nov 18, 9:43 PM
    • 7,041 Posts
    • 41,547 Thanks
    determined new ms
    It has gone up quite a bit in the 6 years since I bought it ccl I think it was about 98 when we got it....
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • determined new ms
    • By determined new ms 11th Nov 18, 7:54 AM
    • 7,041 Posts
    • 41,547 Thanks
    determined new ms
    Morning Up early. Weather here is miserable so that is going to make the dog walks fun! Probably a day at home then...

    Think I'll get my machine out and do some quilting. Am making good progress on my sock cast on on Friday, am already at the foot. Think I possibly could finish it later today, or if not definitely tomorrow

    today:

    * load of washing and hang on dryer
    * loads of lo spag bol left so that's dinner sorted
    * do meal plan/shopping list (didn't do yesterday). Go through fridge/freezer/larder
    * start thinking of Christmas meal plan
    * get madam's clothes/bag ready for school
    * read book
    * play games
    * go for a long walk this afternoon when the rain stops
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • PurpleFairy26
    • By PurpleFairy26 11th Nov 18, 9:20 AM
    • 2,409 Posts
    • 16,372 Thanks
    PurpleFairy26
    Morning all. Lovely busy day yesterday with friends. We stayed in as weather was rubbish and I cooked so lots of saved there. Today weather looks awful again so I'm not sure we'll be venturing far. List for today:

    Prep roast and other things to go with it from scratch
    Make suet pud in sc
    Quick tidy round not in too bad a state as did lots pre visitors yesterday
    Make some of dawns scones. Half batch made yesterday went
    Homework done and stuff for week at school/work prepped
    Do some sorting of big things in garage
    DH and I both to the gym
    Watch some tv with DH tonight
    Some more washing I suspect, but will put on overnight as we have today moved to 2 rate leccy again so will maximise use of it.

    Have a good day everyone. Purps.
    • DawnW
    • By DawnW 11th Nov 18, 12:01 PM
    • 5,304 Posts
    • 41,990 Thanks
    DawnW
    Morning all (it is still just about morning as I type this)
    The scones do tend to disappear, don't they Purps? I always put half in the freezer the minute they are cold. But they are quick and easy, cheap, and fairly healthy I suppose if you aren't too liberal with the butter and jam, as they don't contain much fat or sugar of themselves.
    Up early to go to the flea market this morning, but didn't find any treasure today, just another handbag to add to my collection / endless quest to find the perfect bag Only 2 and it is quite a nice one.I really must sell some, as there are too many in the cupboard
    Have since walked the dog, and then into town to get a few bits of shopping, went to Mr S as it is closest - I didn't take the car as I didn't have much to get and also didn't want to get caught up in road closures etc due to the Remembrance day parade. Bought a few things for the food bank, as I hadn't done so yet this month
    Also treated myself to a Christmas magazine Sorry Foxgloves It does have a free 2019 calendar with it though, so I won't have to buy one of those.
    OH is plucking pheasants so I will need to sort out the freezer so that there is room for them. Will also need to sort the fridge as it looks dire.
    My brother will probably come round for dinner, so I have defrosted a YS joint of lamb to cook later. There is enough soup left over for lunch, which will be one thing out of the fridge
    Other than that, I have some ebay parcels to wrap, and I intend to get an early night!

    • 1LuckyLady
    • By 1LuckyLady 11th Nov 18, 4:13 PM
    • 422 Posts
    • 8,925 Thanks
    1LuckyLady
    Afternoon all,

    Its been a good weekend, I needed family time away from external stresses to help lift my mood.

    This weekend we've
    * used a 10 off 50 shop in mr S, not our usual supermarket but bulk bought store cupboard stuff like passata, soup, mushy peas etc plus bought myself a roasting pan as I didn't have one. Had the kids adding the shop up on their/my mobile to make sure we spent the right amount. Whilst there we also looked at some bluetooth speakers as we are looking for some for the kids for xmas.
    * didn't have lunch out but came home for soup & warm rolls instead which we all enjoyed.
    * checked banking
    * wrote a shopping list ready for this mornings aldee trip (and I remembered to take it and stick to it!)
    * ds1 made cauliflower cheese again to go with lunch (great as the cauli is one of aldees super 6!)
    * I'd bought two chickens - cooked both together in the oven this morning, one for todays big family lunch and the other for sandwiches/meals for the next few days
    * made families lunches for tomorrow - worked out that if the kids had school dinner each school day we'd spend 975 in a school year!!
    * updated calendar as I've got extra pick ups from schools this week for clubs/ my niece etc
    * updated freezer list and meal planned around what we have

    Thats about it, going to make a cuppa and put feet up with my bullet journal and make some plans for the week ahead.

    Take care all.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • foxgloves
    • By foxgloves 11th Nov 18, 4:34 PM
    • 4,397 Posts
    • 23,462 Thanks
    foxgloves
    Dawn - Ha! No need for apologies. I bought one last weekend. And I managed to read it & get some nice festive interiors ideas for inspiration without feeling green with envy towards the people who have their homes featured in all their lush period loveliness, too. Also had one with a free calendar.
    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 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 398
    • foxgloves
    • By foxgloves 11th Nov 18, 4:41 PM
    • 4,397 Posts
    • 23,462 Thanks
    foxgloves
    Hello Sunday Money Savers,
    A little bit of a lie-in today as mr f didn't have to leave for work until 11 a.m. I didn't like having a later start on my job list, though. I'm definitely a morning person these days, once i've had my bucket of coffee.
    Today's frugal offerings:
    *Sold 3 more ebay items, Wrapped ready for posting.
    *Made tomorrow's packed lunch - something from freezer, so that was easy.
    *Baked a granary loaf.
    *Cooked homegrown blackberries & apples.
    *A bit of baking.
    *Defrosted home grown tomatoes for passata - trying new recipe tonight.
    *Made crumble for dessert, Froze the rest of the fruit.
    *Knitted several more rows of my jumper - should be casting on the front before too long.
    *Update DFW diary - not done yet, but it's my next task.
    *Set washer for an Economy 7 laundry load.
    *Check weather forecast to see if any chance of drying laundry outside tomorrow. If today is anything to go by, that'll be a 'no'.
    Hope you've all had a decent day.
    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 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 398
    • allydowd
    • By allydowd 11th Nov 18, 5:57 PM
    • 4,367 Posts
    • 28,255 Thanks
    allydowd
    Hi November Networkers,

    Evening! Just up after sleeping off nightshift.


    Debt-Free-Nillionaire Continuity Plan Year Four:

    * Check online banking. Done.

    * Check DW's online banking. Done.

    * Charge my phone at work all week. Done.

    * Get a Home Insurance quote. We paid 74 last year. They want 104 to renew. Got a quote for 64 and free Meerkat Movies. Done.

    * Repair derelict pyjamas using sewing machine. DW said, "Just buy a new pair." I said, "Nope, I can fix them in 5 minutes for 2p worth of electricity." Done. They should last another few weeks now.


    Things don't have to be perfect to be wonderful.
    Last edited by allydowd; 11-11-2018 at 7:22 PM.
    Debt-free day: 8th May 2015
    The Joy Account: 5
    0
    Bold 100 Miles Bicycle Bonanza Challenge: Completed
    Run 25 Miles for Sanity Challenge: Completed
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • crazy_cat_lady
    • By crazy_cat_lady 11th Nov 18, 6:13 PM
    • 4,126 Posts
    • 35,318 Thanks
    crazy_cat_lady
    Afternoon everyone
    I'm lucky in that the weather held off long enough for me to get out and about this morning without too much trouble. It has rained on and off but nothing terrible.
    Visited my mam this afternoon, excellent company and a free feed. I just wish I could shake this headache that has set in - think it is sinus related. I'm sitting here with the feeling that I've forgotten to do something, but I can't think of anything...
    Meal planned for the week ahead, and hoping for another very frugal one, which is a bit quieter at work than this one has been.
    November in NY #20 NSD = 9 1 debt vs 100 days 328.51/1685
    DFD #1: 6 Nov 15 - paid 28,447
    • allydowd
    • By allydowd 11th Nov 18, 7:24 PM
    • 4,367 Posts
    • 28,255 Thanks
    allydowd
    I'm sitting here with the feeling that I've forgotten to do something, but I can't think of anything...
    Originally posted by crazy_cat_lady

    Test your smoke alarm.
    Debt-free day: 8th May 2015
    The Joy Account: 5
    0
    Bold 100 Miles Bicycle Bonanza Challenge: Completed
    Run 25 Miles for Sanity Challenge: Completed
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
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