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  • FIRST POST
    • determined new ms
    • By determined new ms 20th May 19, 8:21 AM
    • 7,289Posts
    • 43,443Thanks
    determined new ms
    What small DFW things will you do w/c 20th May?
    • #1
    • 20th May 19, 8:21 AM
    What small DFW things will you do w/c 20th May? 20th May 19 at 8:21 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
    • determined new ms
    • By determined new ms 20th May 19, 8:27 AM
    • 7,289 Posts
    • 43,443 Thanks
    determined new ms
    • #2
    • 20th May 19, 8:27 AM
    • #2
    • 20th May 19, 8:27 AM
    Morning but more like in our house as we have a leak in our bathroom that has been leaking steadily from lunchtime yesterday *cry* waiting for a plumber to come at 10.30....

    Other than that!

    * try to clean up a house without water!
    * make bread
    * use water butt water for flushing loo as we have had to turn water off
    * update CV and apply for a job or two
    * freeze some brownies made yesterday
    * finish alteration for a customer
    * pack away madam's toys - remind oh to bring home boxes
    * put away mountain of washing

    I might go to the allotment and I might also list some things on fleabay. But I might not!

    Hope you all have a good day and I hope my plumbing emergency isn't too expensive
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • ziggy2407
    • By ziggy2407 20th May 19, 8:34 AM
    • 3,506 Posts
    • 31,042 Thanks
    ziggy2407
    • #3
    • 20th May 19, 8:34 AM
    • #3
    • 20th May 19, 8:34 AM
    Good Morning everyone

    DNMS - Thanks for starting us off this week, hop that the plumber resolves your problem swiftly.

    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.

    The suns shining and today we will:

    Check Bank & made PAD - Done
    Washing & Line Dry -
    Shopping with list -
    Upload receipts to COS & Shoppix -
    Strip beds and remake -
    Swagbucks -
    Enter a few comps -
    Purge a few emails -
    All meals from cupboards/fridge/freezer -
    Check: Lucky Bob, PMP, WinaDinner -
    Read Book

    Have a great day!

    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
    • Season of Mist
    • By Season of Mist 20th May 19, 8:36 AM
    • 57 Posts
    • 430 Thanks
    Season of Mist
    • #4
    • 20th May 19, 8:36 AM
    • #4
    • 20th May 19, 8:36 AM
    Oh no DNMS, hope you can get it fixed without too much of a shock to the finances. Thank you for finding the time to start a new thread.

    Going to be good this week as I have got car service/MOT on Friday.

    Left the car at home, bus/walk to work, plan to walk back (depending on the ‘thundery showers’ that may be on the cards later.

    No breakfast. Drinks from tea & coffee fund at work. Cheap lunch of two apples and one banana.

    Hopefully have time to gym/shower/change using work facilities later.
    • allydowd
    • By allydowd 20th May 19, 9:05 AM
    • 4,583 Posts
    • 30,025 Thanks
    allydowd
    • #5
    • 20th May 19, 9:05 AM
    • #5
    • 20th May 19, 9:05 AM
    MONEY MAKING AND SAVING SITES AS OFTEN MENTIONED IN THIS FORUM:
    • Benefits check-up (Link)
    • Birthday Freebies (Link)
    • Coupon Shop Forum list of money-off coupons (Link)
    • Cooking On A Bootstrap, cheap recipes. (Link)
    • eBid (Link)
    • Freecycle (Link)
    • Freegle (Link)
    • FreeStuff (Link)
    • FreeUKStuff ( Link )
    • Income Tax Calculator (Link)
    • i-Say Surveys (Link)
    • Jobseekers Railcard (Link)
    • List of online newspapers. At bottom of the linked page. (Link)
    • Marriage Tax Allowance (Link)
    • Martin Lewis' Weekly List of Deals and Tips (Link)
    • MSE Bank Charges Comparison Tool (Link)
    • MSE Boost Your Income page. Gateway to lots of money-making links. (Link)
    • MSE Budget Planner (Link)
    • MSE Abbreviations Explained (Link)
    • MSE Deals and Vouchers (Link)
    • MSE Demotivator Tool (Link)
    • MSE Credit Card Minimum Repayment Calculator (Link)
    • MSE Money Makover (Link)
    • MSE Piggybank Budgeting (Link)
    • MSE Stoozing Guide (Link)
    • MSE Wow Offers (Link)
    • NHS Minor Ailment Service article (Link)
    • My Supermarket (Link)
    • NHS Free Prescription Checker (Link)
    • OnePoll (Link)
    • Parcel2Go: compare postage prices (Link)
    • Parkopedia: compare parking charges (Link)
    • Pick My Postcode Lottery ( Link )
    • Quidco (Link)
    • Reclaim PPI at no cost to yourself without using a claims company. (Link)
    • Reclaim Packaged Bank Account fees at no cost to yourself without using a claims company.(Link)
    • Reclaim phone credit (Link)
    • Resolver tool. Helps you draft a letter, send it, monitor replies and then escalate it to an Ombudsman or key complaint body if it's not sorted. (Link)
    • SayNoTo0870 cheap phone number finder (Link)
    • Split Ticketing (Link)
    • Start Rescue Breakdown Cover (Link)
    • Super Saver Amazon Delivery Tool (Link)
    • Survey sites that pay for your opinions (Link)
    • Swagbucks (Link)
    • Swapit (Link)
    • Tickety Split cheap train tickets (Link) Site closed
    • Toluna (Link)
    • TopCashBack (Link)
    • Wombling Guide (Link)
    • You Need A Budget site and App (Link)

    If any of the links are broken, let me know.
    Debt-free day: 8th May 2015
    The Joy Account: 50

    Travel 500 Miles Free Challenge: 239/500
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • allydowd
    • By allydowd 20th May 19, 9:07 AM
    • 4,583 Posts
    • 30,025 Thanks
    allydowd
    • #6
    • 20th May 19, 9:07 AM
    • #6
    • 20th May 19, 9:07 AM
    Hi May Money-Marvelousos,

    A precious day off....


    Just a wee list.



    Debt-Free-Nillionaire Continuity Plan Year Five:


    * Check online banking.


    * Continue my Challenge 500 miles challenge to travel 500 miles for free before the end of 2019: walking, hiking, climbing, cycling, running and swimming. I'm up to 201/500. Will cycle. Done.

    * Defrost batch cooked soup.
    Done.

    * Clear out In Tray.

    * Clear out wallet.

    * Clear emails.

    * Make cheese.

    * Look at packing for hols.





    “Everything will be okay in the end. If it's not okay, it's not the end.”
    Last edited by allydowd; 20-05-2019 at 12:58 PM.
    Debt-free day: 8th May 2015
    The Joy Account: 50

    Travel 500 Miles Free Challenge: 239/500
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • carrielovesfanta
    • By carrielovesfanta 20th May 19, 10:15 AM
    • 2,152 Posts
    • 17,096 Thanks
    carrielovesfanta
    • #7
    • 20th May 19, 10:15 AM
    • #7
    • 20th May 19, 10:15 AM
    Hey folks

    Thanks to DNMS for starting us off - sorry to hear of the leak! Hope it is resolved.

    Today will be a test of strength and patience... I won't go into it here but I'm feeling hopeful.

    Small things:
    B/L/D from stores
    Track food in free app - done
    Put some washing away.
    Gym at lunchtime - nope, too many meetings
    Charge phone in work - done
    Check garden
    Turned down tickets for a gig that I would like to see as OH doesn't fancy it and i would struggle to get home. - managed to persude OH as tickets are free
    No alcohol

    Have a good one all

    clf x
    Last edited by carrielovesfanta; 20-05-2019 at 5:15 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 8500
    Car final lump sum: 400/6113
    • PurpleFairy26
    • By PurpleFairy26 20th May 19, 10:22 AM
    • 2,773 Posts
    • 18,946 Thanks
    PurpleFairy26
    • #8
    • 20th May 19, 10:22 AM
    • #8
    • 20th May 19, 10:22 AM
    Morning all (just)

    Just having a coffee break and catch up on here as didn't get time this morning. Thanks for starting us off determined hope the leak is quick and cheap.

    Something big going on here today. Hold on to your pants time

    Other things,
    Check banking
    Ys lamb for tea
    Looking after pals LO tonight as a favour
    Vacuum through - actually small did it today
    Washing and drying and putting away to keep on top of things
    Lots of windows open for free fresh air

    Have a lovely day everyone. Purps.
    • carrielovesfanta
    • By carrielovesfanta 20th May 19, 10:38 AM
    • 2,152 Posts
    • 17,096 Thanks
    carrielovesfanta
    • #9
    • 20th May 19, 10:38 AM
    • #9
    • 20th May 19, 10:38 AM
    Something big going on here today. Hold on to your pants time
    Originally posted by PurpleFairy26
    Good big or bad big? Fingers crossed for you either way!
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 8500
    Car final lump sum: 400/6113
    • 1LuckyLady
    • By 1LuckyLady 20th May 19, 11:13 AM
    • 659 Posts
    • 10,977 Thanks
    1LuckyLady
    Afternoon all, Thanks for the starter DNMS & I hope the leak is fixed easily & cheaply!
    Clf, hope your day goes ok
    PF hope its GOOD BIG!
    Ziggy, well done on your steps challenge last week!
    to all

    Todays list
    * ys bread as usual with eggs for breakfasts
    * ds2 to free school breakfast club
    * refilled water bottle 3 times at the gym as it was a particularly tough class this morning!
    * washed 2 loads on the quick wash and hung them both on the line
    * ran the dishwasher on the quick wash too

    Stilll need to
    * empty dishwasher
    * check banking/update spreadsheet and email it back to myself
    * make families lunches for tomorrow
    * put yesterdays dry washing away
    * iron a few shirts that I didn't do last week
    * make a chicken pie filling, this didn't happen last week, we ate that chicken but now I have left over chicken from yesterday so will use up last weeks mushrooms today! used up the mushrooms, some onion, peppers which were diced in the freezer made a cheese sauce now and will make it into a pasta dish instead with the last of the weekends salad
    * wipe out the fridge with stardrops
    * water pots in the garden this evening
    * triage fridge
    * write up a new freezer list as we had a pick and mix day yesterday using up lots of little pots of things!
    * empty bins (not mse but if its here I'll remember to do it!)
    * record car mileage
    wrote out a shopping list and checked the cupboards ala Foxgloves and was able to knock a couple of things off the list
    checked receipts, filed clubcard vouchers and updated ds2s pocket money chart in my bullet journal as he bought some earphones at the weekend

    Thats my starter, take care all.
    Last edited by 1LuckyLady; 20-05-2019 at 4:59 PM.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • foxgloves
    • By foxgloves 20th May 19, 11:32 AM
    • 4,959 Posts
    • 28,505 Thanks
    foxgloves
    Purps - Am holding onto my pants so tight, it's hard to type! Good luck whatever it is!
    DNMS - Bah to leaks. I live in the House of Leaks, so you have my sympathies.

    Well, I really want to have a productive week this week, & one in which I stick to my healthy eating plan & daily step target like very sticky glue. Am off to a good start, anyway:
    *Put a colour on my skankrous roots - saved half of everything last time & mixed it up in spare bottle, so as to get 2 applications from one box of dye.
    *Did rubber ham hock.
    *Made bread (it's in the oven right now)
    *BBQ sauce bubbling away in the slow cooker.
    *Two home made garlic flat breads out of the freezer to use as cheat's pizza base tonight.
    *Overnight laundry done on cheap tariff, plus 2 short daytime loads - 30 mins at 30 degrees & a wool wash on a hand crocheted blanket. All drying outside on the whirlygig for free. Have re-set washer for another early hours wash on the Economy tariff overnight, then just one pet blanket & that will be all this week's laundry done.
    *Watered greenhouse veggies.
    *Stepped up hardening off process for tomato plants.
    *Plant out another 2 trays of baby lettuce plants (that's this afternoon's job if it stays dry.
    *Did a Prolific survey.....got almost right through another one when there was an internet connection problem. Submitted it anyway & flagged up that there was a problem just before the end.
    *Did a rather belated mid-month budget check-in. May has been tight, despite via-ing funds from elsewhere. It's fine for Week 5's grocery shopping to come out of our bank account on Friday, but apart from that, I've embargoed use of our visa debit cards until New Budget, which is not long away now.
    *Make tomorrow's packed lunch.
    *All loose change rounded up & paid into our shrapnel jar.
    *Finish cardi sleeves & start joining it together & knitting button bands (yarn from stash)
    *Read library book & continue with audio book
    *Update my DFW diary.
    *Tap off more free liquid plant food from worm composter & use to feed fruit trees.
    That's my list....although I will doubtless get more gardening jobs than this done once I get out there.
    Cheers 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
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 418 2019 = 124
    • La escocesa
    • By La escocesa 20th May 19, 11:34 AM
    • 2,970 Posts
    • 18,874 Thanks
    La escocesa
    Hi everyone

    Me and my 17 day old baby here! She is a little dream. We seem to have been spending money like it's going out of fashion since she got here but I think we're pretty much sorted now. All our family and friends have been so generous and we've hardly had to buy her any clothes, blankets, nappies at all. We're breastfeeding too so she's getting lots of free food. We've also ordered a trial pack of cloth nappies, but she can't really use them until she's 6lb and she's not quite there yet, little cutie

    Today we're going on a trip to a NT property, using our membership.
    Meals from stores - cheapo porridge, not sure about lunch, roast chicken dinner
    Sending back asos stuff I don't want to keep.
    Watching GOT season 4 and trying to binge on the rest while I can still access them for free... Also hoping to avoid chat about the ending because I'm so far behind
    Hanging washing on line

    DNMS - thanks for the kick off, hope you get the leak sorted!!
    PF - hope all is good with you...!
    CLF - stay strong girl, you can do it with strength and patience!
    Ally - your 500mg challenge sounds awesome
    Ziggy, hope you're feeling good after all the walking you've been doing xx
    Catch up with everyone else soon. Xxx

    Have a good day everyone!
    • carrielovesfanta
    • By carrielovesfanta 20th May 19, 11:41 AM
    • 2,152 Posts
    • 17,096 Thanks
    carrielovesfanta
    Congratulations La E!
    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 20th May 19, 12:00 PM
    • 7,289 Posts
    • 43,443 Thanks
    determined new ms
    Congrats La E! I've seen a photo on FB and she is adorable! And I have been pretty stunned at how ridiculously good you look after giving birth! Kudos hot mumma
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • 1LuckyLady
    • By 1LuckyLady 20th May 19, 12:08 PM
    • 659 Posts
    • 10,977 Thanks
    1LuckyLady
    Huge congratulations La E I know everyone says it, but enjoy every moment as it goes so very quickly. My baby is going to secondary school in September and its gone in the blink of an eye (although when in the middle of sleepless nights I wondered if they'd ever end )
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • ziggy2407
    • By ziggy2407 20th May 19, 12:50 PM
    • 3,506 Posts
    • 31,042 Thanks
    ziggy2407
    Congrats La E! I've seen a photo on FB and she is adorable! And I have been pretty stunned at how ridiculously good you look after giving birth! Kudos hot mumma
    Originally posted by determined new ms
    Aren't they both gorgeous?
    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
    • determined new ms
    • By determined new ms 20th May 19, 1:20 PM
    • 7,289 Posts
    • 43,443 Thanks
    determined new ms
    leak now found, fixed and water back on cost 50 and now have hole in ceiling so will need a plasterer to repair....

    But thankfully we can now go about our lives! All cleaned up as well
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • ditty1234
    • By ditty1234 20th May 19, 3:05 PM
    • 155 Posts
    • 1,036 Thanks
    ditty1234
    Eventful day out there.
    NDS day yesterday and probably today tick - 2 days down a few to go.
    X
    Debt Free Wannabe LBM Jan 2019 -25.928/-24992 3.6 % paid off
    EF 0 March 2019 /EF 460 in June 2019
    • Happy Kitties
    • By Happy Kitties 20th May 19, 3:22 PM
    • 862 Posts
    • 7,189 Thanks
    Happy Kitties
    Many thanks for starting the thread DNMS, i'm glad the leak got sorted even though it cost and have a hole in the ceiling

    LaE huge congratulations. Cherish these times. I'm remember looking at my newborn DD thinking this will go in a flash and it did.....she's 20 now. It has been and is the best of times

    CLF I hope u are not going to do battle with any more big slugs!
    Purps I'm permanently a wheelchair user and despite sitting on my pants, im still holding onto them. Hope it's a positive big

    It was a gloomy and overcast start to the day, it has turned lovely. Quick wash done and washing now on the line.
    Steamed the living room floor. First time I have owned a steam mop-love it, so easy to use.
    Still trying to tidy things up-not doing well.
    Managed to tie an awful lot of paperwork up last week only because first surgery date thru for July but fair play to hospital they left me to choose the date

    Popped out to post office to send a parcel.
    Then to supermarket. Didn't stick to list as there just as they were half price reducing so several things added to trolley for when DD home this week. Was mentally doing added food plan in my head so I didn't choose anything not really wanted. Freezer stuffed full again
    Still need to write a letter to a friend-have been putting this off for a couple of weeks now,I will do it!
    Wrap birthday present in a bit using the plain foiled paper picked up cheap after Christmas

    Think that's about it from me, have a great evening everyone x
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=360.66
    • carrielovesfanta
    • By carrielovesfanta 20th May 19, 5:08 PM
    • 2,152 Posts
    • 17,096 Thanks
    carrielovesfanta
    Wins today:

    1. Potentially stressy situation was avoided by the other person not being a pr!ckbiscuit

    2. My brain gave me a good idea that my manager liked.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 8500
    Car final lump sum: 400/6113
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