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  • FIRST POST
    • allydowd
    • By allydowd 5th Nov 18, 12:05 AM
    • 4,361Posts
    • 28,185Thanks
    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 2
    • natlie
    • By natlie 5th Nov 18, 4:38 PM
    • 1,195 Posts
    • 5,168 Thanks
    natlie
    Sorry to hear that Brown Eyed Girl, sounds pants, but as you say good that you can put all that additional saving to good use!
    £27328 £26,728 £26,668 £26475.20
    • carrielovesfanta
    • By carrielovesfanta 5th Nov 18, 5:01 PM
    • 1,808 Posts
    • 14,012 Thanks
    carrielovesfanta
    I'm sorry to hear that Brown_eyed_girl. How thoughtless
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £10,000!
    • merida88
    • By merida88 5th Nov 18, 5:17 PM
    • 40 Posts
    • 343 Thanks
    merida88
    I'm vegan and try to avoid all arguments all the time I don't eat grass as I really enjoy the taste of my food. I do get sent lots of meat pictures on social media - bacon and steak usually. As I'm not a fighter I tend to ignore them and block these days. Maybe this particular vegan is just hangry
    Originally posted by natlie
    OH and I confirmed meat eaters... but that is weird and rude behaviour! I don't think being hangry has anything to do with it! I don't eat dairy as it brings me out in rashes, I'd be deeply peeved if someone kept sending me pictures of milkshakes. Infuriating!

    Hi everyone

    Feeling pretty rubbish today . Visited family yesterday who dropped into conversation that they had all made alternative plans for Xmas, despite accepting an invitation from us back in May! Feeling quite hurt tbh as this would have been the first Xmas that DH and I hosted for my family (weíve been together 12 years), as well as DSís first Xmas. Iíve spent the whole year putting aside additional savings to make it a lovely Xmas and traded all my survey points for supermarket vouchers/gift cards to pay for all the food. Donít think they realise how upset theyíve made me, but cried about it to DH once we got home last night

    So...trying not to be too disheartened, and I guess I can now use the vouchers for everyday shopping and make some savings that way.
    Originally posted by browneyed_girl
    Hugs - poor you, how thoughtless of them! But you could a) cash in your savings on everyday bits or b) have the most luxurious and decadent christmas ever (not very mse, sorry all, been back five minutes and making trouble)
    • foxgloves
    • By foxgloves 5th Nov 18, 5:17 PM
    • 4,387 Posts
    • 23,377 Thanks
    foxgloves
    Oooh, what thoughtless people, Brown-eyed girl. You know what? Bloody sod 'em! You concentrate on making Christmas a lovely few days for yourselves & your son. Why not? Uou've even saved the money 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 = £358
    • carrielovesfanta
    • By carrielovesfanta 5th Nov 18, 5:19 PM
    • 1,808 Posts
    • 14,012 Thanks
    carrielovesfanta
    b) have the most luxurious and decadent christmas ever (not very mse, sorry all, been back five minutes and making trouble)
    Originally posted by merida88

    I like the cut of your jib
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £10,000!
    • foxgloves
    • By foxgloves 5th Nov 18, 5:28 PM
    • 4,387 Posts
    • 23,377 Thanks
    foxgloves
    Hi Monday Savers,
    A really productive day today:
    *Overnight laundry on heated airer.
    *Baked a granary loaf.
    *Made tomorrow's packed lunch.
    *Dinner in slow cooker - smoky beans & sausages. Home made rice pudding ready to go in the oven.
    *Updated budgets & moved funds around to keep different pots straight.
    *Sorted out the Christmas presents we bought at the weekend & ticked them off my list.
    *Bought nearly all remaining gifts online using £40s worth of vouchers from surveys & loyalty points to help with cost.
    *Posted 4 ebay sales.
    *Listed 10 more ebay items.
    *Entered a prize draw.
    *Wrote a letter using recycled A4 envelope plus stamps from my stash.
    Mr f is just making finishing touches to his bonfire. We haven't bought fireworks but we like a good bonfire & we're using the opportunity to get rid of an old piece of furniture & numerous other donations from the man cave that is his half of the shed.
    Enjoy your evening all,
    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 = £358
    • crazy_cat_lady
    • By crazy_cat_lady 5th Nov 18, 6:35 PM
    • 4,113 Posts
    • 35,214 Thanks
    crazy_cat_lady
    So sorry about your news browneyed_girl. Sounds all quite thoughtless - but I agree with the others - make it your best Christmas ever without them. My Christmas this year will be my first as a single parent with just me and the kids and I'm looking forward to starting new traditions and making new memories.
    In other news, my washing machine has broken Just 2 short weeks after I had to replace my fridge freezer, and no - I didn't buy them at the same time. I've tried all my usual filter cleaning and emptying but it still won't drain properly. I'm getting to the point where I'm starting to feel a bit overwhelmed and hopeless about my situation. As well as not being able to get my divorce settlement done, in the 7 months since we split up I've had to deal with a collapsed floor, leaking sink, retiling the wall, new fridge and now the washing machine as well. On top of solicitors costs and reduced household income. I will be ok because I always am but it's a bit much for me to deal with at the moment. I haven't got the capacity to process anything else.
    November in NY #20 NSD = 6 1 debt vs 100 days £328.51/£1685
    DFD #1: 6 Nov 15 - paid £28,447
    • 1LuckyLady
    • By 1LuckyLady 5th Nov 18, 6:39 PM
    • 418 Posts
    • 8,884 Thanks
    1LuckyLady
    oh CCL, so sorry, last thing you needed at the minute I know.
    BrownEyed, I'm not surprised you're annoyed.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • DawnW
    • By DawnW 5th Nov 18, 7:00 PM
    • 5,297 Posts
    • 41,937 Thanks
    DawnW
    Hi everyone

    Feeling pretty rubbish today . Visited family yesterday who dropped into conversation that they had all made alternative plans for Xmas, despite accepting an invitation from us back in May! Feeling quite hurt tbh as this would have been the first Xmas that DH and I hosted for my family (weíve been together 12 years), as well as DSís first Xmas. Iíve spent the whole year putting aside additional savings to make it a lovely Xmas and traded all my survey points for supermarket vouchers/gift cards to pay for all the food. Donít think they realise how upset theyíve made me, but cried about it to DH once we got home last night

    So...trying not to be too disheartened, and I guess I can now use the vouchers for everyday shopping and make some savings that way.
    Originally posted by browneyed_girl

    Sorry to hear this Browneyed_girl My family behaved in a similarly thoughtless way on occasion, and I remember the hurt, even though it was a long time ago now. Perhaps you could use the money you have saved for something special, or even a little holiday for you, your partner and child?

    .
    In other news, my washing machine has broken Just 2 short weeks after I had to replace my fridge freezer, and no - I didn't buy them at the same time. I've tried all my usual filter cleaning and emptying but it still won't drain properly. I'm getting to the point where I'm starting to feel a bit overwhelmed and hopeless about my situation. As well as not being able to get my divorce settlement done, in the 7 months since we split up I've had to deal with a collapsed floor, leaking sink, retiling the wall, new fridge and now the washing machine as well. On top of solicitors costs and reduced household income. I will be ok because I always am but it's a bit much for me to deal with at the moment. I haven't got the capacity to process anything else.
    Originally posted by crazy_cat_lady

    Sorry to hear this CCL, I really hope things pick up for you soon It is awful when loads of bad things seem to happen one after another.

    • browneyed_girl
    • By browneyed_girl 5th Nov 18, 8:00 PM
    • 29 Posts
    • 243 Thanks
    browneyed_girl
    Thank you everyone for messages - you are all so lovely! I should have you all round for Xmas instead!!

    Hugs - poor you, how thoughtless of them! But you could a) cash in your savings on everyday bits or b) have the most luxurious and decadent christmas ever (not very mse, sorry all, been back five minutes and making trouble)
    Originally posted by merida88
    Merida - DH has voiced the same idea of splashing out just for us and the children (heís furious on my behalf) since we never treat ourselves. Heís already eyeing up craft beers and cheese boards

    Sorry to hear this Browneyed_girl My family behaved in a similarly thoughtless way on occasion, and I remember the hurt, even though it was a long time ago now. Perhaps you could use the money you have saved for something special, or even a little holiday for you, your partner and child?.
    Originally posted by DawnW
    Dawn - it is horrible isnít it? Iíve tried to justify their behaviour (after all, they didnít know how hard Iíve been working towards it all year) but Iím not sure I can! And this is on top of the fact that my dad still hasnít taken the time to see his new grandson, who is now 5 months old! He only lives half an hour away and has had multiple invites I do think a few days away might be just the ticket Will mention it to DH when he gets back from work.

    CCL - Iím astounded by what youíve had to deal with recently, but well done on getting through it You may not always feel like youíre coping or able to process it as itís happening, but youíre still here and fighting - nobody can ask for anymore than that! Does rather put my woes to shame - it inspires me to stop my whining and plan something fantastic instead!

    Enjoy the rest of the evening everyone. Hugs to all!
    Beware of little expenses. A small leak will sink a great ship.
    SPC 12 #50
    • allydowd
    • By allydowd 5th Nov 18, 9:22 PM
    • 4,361 Posts
    • 28,185 Thanks
    allydowd
    Thank you everyone for messages - you are all so lovely! I should have you all round for Xmas instead!!
    Originally posted by browneyed_girl

    You do know that there have been 543 views of this thread already?! Could get crowded....
    Last edited by allydowd; 05-11-2018 at 9:29 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
    • browneyed_girl
    • By browneyed_girl 6th Nov 18, 12:10 AM
    • 29 Posts
    • 243 Thanks
    browneyed_girl
    You do know that there have been 543 views of this thread already?! Could get crowded....
    Originally posted by allydowd
    The more the merrier! I do love how you have put exactly that number of smilies Ally!
    Beware of little expenses. A small leak will sink a great ship.
    SPC 12 #50
    • determined new ms
    • By determined new ms 6th Nov 18, 6:30 AM
    • 7,035 Posts
    • 41,499 Thanks
    determined new ms
    Morning guys jeez those smilies are bus on the eye ally!

    browneyed_girl that is sad for you. My son has decided not to spend the last 3 Christmas' at ours. I understand the hurt it can bring. But you know any good time we have is about the people we are with. In your situation I would allow myself to feel sad about the situation and then get on with it and make it the best day you can. Sadly we can't pick our family so have to just accept them x

    I'm chuffed as I went back to SW yesterday. First time in 6 weeks and I've managed to stay at my target weight despite not overly sticking with the plan all the time

    Today I'm working so not much to be said! I will:

    * checked banking
    * submit expenses & ot
    * B/L/D from stores - made last night after yesterday's waking up late horror. Don't want to be in that situation again
    * quick shower
    * load up wm and put timer on for after work
    * go swimming if I manage to get out early
    * onepoll
    * try to get a drs appt
    * read book & knit

    That's all I think. 2 more days and then I'm off again
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • Happy Kitties
    • By Happy Kitties 6th Nov 18, 8:26 AM
    • 677 Posts
    • 5,283 Thanks
    Happy Kitties
    Ccl sending hugs, you've gone through so much, and u will get through this but there is nothing worse than when everything goes wrong all at the same time

    Brown Eyed_girl I'm sorry to hear about your Christmas family situation esp when you extended the invitations so early. My DD have the opposite problem, we are having a forced family Christmas which we hate and another family member is having to come over and spend Christmas with us to help with the situation as the situation is becoming worse every year. But DD and I have found ways round enjoying Christmas beforehand, I'm sure with all the extra savings and preparation you have done u will have a fantastic Christmas.

    Still not masses going on here.
    Being very good and checking banking every day.
    All left overs being used up, slow cooker has been put to good use.
    Decluttering has stopped. DD is home and brought stuff with her! So some bits have gone on eBay

    DD and I went to our local garden centre Christmas opening at the weekend. We bought a few bits as there was 20% off and I also had £6 in vouchers off our main spend and a voucher for my tea for free. Really enjoyed it as I don't get to spend so much time with DD with her being away at uni so it was a lovely day. DD came home all smiles, she loves the Christmas prep.

    Still don't know if living room will be decorated for Christmas, still saving up and it's time aswell.DD not bothered, have a chair still in packaging, no settees but the tree will still be going up. If I can just get packing more things up then we will be ready to start in January. That the plan! Have only just got the hall ceiling sorted which was about to collapse because of leaks springing up everywhere

    Have a great day everyone x
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=360.66
    • carrielovesfanta
    • By carrielovesfanta 6th Nov 18, 8:56 AM
    • 1,808 Posts
    • 14,012 Thanks
    carrielovesfanta
    Good morning all!

    It's made me feel very happy reading all the supportive threads on here this morning. I'm so happy to be part of such a kind and supportive group of folks
    Ally - that is a lot of dodgy hug love right there

    ccl - you are much stronger than you know! Try freegle for a WM - you might hit lucky. You deserve some good luck xxx

    lots of bits for me to do today:
    • B/L from stores. Might go out for dinner today as OH has been eyeing up emails from Yo Sushi - done
    • Dinner out? If not, have plenty to rustle up - OH says out
    • Ring hairdressers to book Dec appointment before they all go - done. Blimey that was close - almost couldn't get one! Damn my hairdresser is popular!
    • Use mooncup instead of tonnes of sanitary products - done
    • Book flu jab as company will pay. See if OH wants one while I'm at it. - done
    • Make sure timesheets up to date as have some overtime - done
    • Charge phone in work - done
    • Alcohol only within planned limits
    • No sugar! I have a friend in work to cold turkey with now - am resisting large boxes of celebrations and heroes in work! And now birthday cake!!
    • Heating off
    • OH to do housework?
    • Add yeast to shopping list - done
    • Gym at lunchtime - done. Have blistered my hands waaaaaaaaa
    • Add dehumidifier water to "free flush" bucket - done
    More to come

    Have a good one all

    clf x
    Last edited by carrielovesfanta; 06-11-2018 at 4:27 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £10,000!
    • DawnW
    • By DawnW 6th Nov 18, 9:16 AM
    • 5,297 Posts
    • 41,937 Thanks
    DawnW
    Morning all
    Got an appointment at the surgery this morning for one of those over 40s health checks. This will consist of a nurse telling me I ought to lose weight (I know ) but I am hoping for the nurse who is, shall I say, rather a lot fatter than I am, and not one of the skinny ones I will walk to the surgery and back (a couple of miles at least) for free exercise and because it is often a pain to park there Strange thing is, it is really hard to get an appointment at the surgery when you need one, but they rang up almost begging me to take up this health check thing, which I hadn't done anything about as the letter arrived while I had a rotten cold. Apparently they were struggling to fill this particular clinic Grr got to go for a fasting cholesterol test as my cholesterol was .03 higher than it should be. Worryingly, the nurse didn'tseem to understand the difference between .03 (which was the actual reading) and .3, it was like being back teaching again Seems like overkill to me. I shall go for the test and bet it will be back to normal, it is such a tiny deviation!

    Anyway, apart from that:
    Washed hair with shampoo bar (which is going to last for ages) and left it to dry naturally
    HG cooked fruit from freezer for breakfast instead of bought fruit
    Need to sort out fridge!
    Washing is out on the line, blowing nicely today. Will put another load on in a minute 2 loads dry so far, including a duvet which, as it is a summer weight one, I managed to cram into the machine. Another load still out, must get it in shortly and drape on airer
    Finish last of carrot and coriander soup for lunch with a slice of toast, only a little bit left, but enough for me Baby GS had this, but really wanted my tuna sandwich
    OH wants kedgeree for dinner, so will make enough for more than one meal, as it is a bit of a faff Made loads, and it isn't great as I used Basmati rice instead of the more robust easy cook long grain stuff that I usually use, and it broke down a bit. I also did too much rice. Anyway, it tasted ok. Must think what to do with the rest of it I will think of something, as it will not be wasted - maybe little patties of it heated / browned on the griddle....
    Post a RM surveys item Done
    Try and avoid doing any shopping for another day, though OH is bound to whinge about there not being any more bagels (to which, for some reason, he is addicted) Avoided doing a shop, as OH hasn't yet noticed the scarcity of bagels I did pop into Waitrose with DD, as she wanted some satsumas, and we spotted bargainous huge reduced pumpkins for 10p each, so we picked up one for each of us. But DD paid for mine as well
    Check for online surveys, trying to get back into this One for onepoll today
    Some cleaning and tidying, in house and garden, Not much, just endless tidying and washing up
    Check banks later, but not anticipating any surprises Done, no suprises.
    Not spent anything today

    Hope everyone has a good day
    Last edited by DawnW; 06-11-2018 at 7:19 PM.

    • allydowd
    • By allydowd 6th Nov 18, 11:05 AM
    • 4,361 Posts
    • 28,185 Thanks
    allydowd
    The more the merrier! I do love how you have put exactly that number of smilies Ally!
    Originally posted by browneyed_girl
    I'm Neuro Atypical. It's a thing I do...


    Ally - that is a lot of dodgy hug love right there
    Originally posted by carrielovesfanta
    Yup, it is.



    Morning guys jeez those smilies are bus on the eye ally!
    Originally posted by determined new ms
    Free psychadelic eyeball trip?
    Last edited by allydowd; 06-11-2018 at 11:10 AM.
    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
    • 1LuckyLady
    • By 1LuckyLady 6th Nov 18, 11:21 AM
    • 418 Posts
    • 8,884 Thanks
    1LuckyLady
    Hk, sounds like a lovely time with your dd.

    Todays list
    * Had to change ds's bedding again today as I spilt my coffee on it when I went in to make sure he'd not rolled back over to sleep this morning so I've washed 2 loads on the quick 30 degree wash and gave them both an extra spin beofre putting on the line, lucky I didn't spill it on my bed as I was able to fit the single duvet in the washng machine. Keeping eyes peeled now though as we're forecast rain. brought it in now as its looking very dark in the sky now, will put on the radiators to finish off after the kids are home
    * called into aldee with little list (only 4 items) and stuck to it
    * have made a chilli con carne for tomorrow night, dh always says its better a day or two after making
    * have a spag bol (using the other half of the pack of mince ^) cooking in the slow cooker
    * cooked some pasta, will have a cold pasta mayo with a bit of gammon and salad thrown in tonight
    * make families lunches for tomorrow
    * scrub the oven shelves that I left soaking in the bath last night done but had a little scare as I'd put the shelves in a microfibre towel so as not to scratch the bath and walked into blue bath water and when drained a blue tinge in the bottom of the bath, sorted now though with a bit of cream cleaner.
    * check banking/ update spreadsheets
    * update ds1s pocket money chart as he'd asked me to get him some sweets from aldee from his money
    * book gym class for tomorrow morning (thanks for the youtube link CLf)
    * make omelettes ready just to reheat for brunch tomorrow after going to the gym
    * sort out front room, didn't get round to this yesterday and I still want to find dss guitar pick
    * put away washing off the radiators and iron the couple of bits I didn't do yesterday

    Thats my starter, take care all.
    Last edited by 1LuckyLady; 06-11-2018 at 2:28 PM.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • carrielovesfanta
    • By carrielovesfanta 6th Nov 18, 11:52 AM
    • 1,808 Posts
    • 14,012 Thanks
    carrielovesfanta
    * sort out front room, didn't get round to this yesterday and I still want to find dss guitar pick
    Originally posted by 1LuckyLady

    Favourite places in our house are wallet, jeans pocket, washing machine (grrrr) or bottom of the washing bin
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £10,000!
    • allydowd
    • By allydowd 6th Nov 18, 12:03 PM
    • 4,361 Posts
    • 28,185 Thanks
    allydowd
    * sort out front room, didn't get round to this yesterday and I still want to find dss guitar pick
    Originally posted by 1LuckyLady

    How to make a free replacement. (Link)
    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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