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  • FIRST POST
    • determined new ms
    • By determined new ms 19th Aug 19, 7:19 AM
    • 7,396Posts
    • 44,269Thanks
    determined new ms
    What small DFW things will you do this week? WC 19th August
    • #1
    • 19th Aug 19, 7:19 AM
    What small DFW things will you do this week? WC 19th August 19th Aug 19 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 2
    • carrielovesfanta
    • By carrielovesfanta 20th Aug 19, 4:59 PM
    • 2,206 Posts
    • 17,564 Thanks
    carrielovesfanta
    I'm still not sleeping well so debating going back onto my medication. CLF I'm glad you saw the doctor, and that you are feeling brighter since. It's awful when you just aren't yourself.[/COLOR]
    Originally posted by crazy_cat_lady
    Thanks CCL

    re not sleeping - if you're been stressed for a long period of time, it can affect your cortisol levels and makes them wrong at the wrong times of day. Which can make you sleepy in the morning and "tired but wired" at night. It's worth a google as there are some things you can do to help support a return to normal levels xx
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31
    Student loan repaid: 01/07/2019

    SAVINGS: £8500
    Car final lump sum: £1150/£6113
    • crazy_cat_lady
    • By crazy_cat_lady 20th Aug 19, 5:06 PM
    • 5,082 Posts
    • 45,289 Thanks
    crazy_cat_lady
    Thanks CCL

    re not sleeping - if you're been stressed for a long period of time, it can affect your cortisol levels and makes them wrong at the wrong times of day. Which can make you sleepy in the morning and "tired but wired" at night. It's worth a google as there are some things you can do to help support a return to normal levels xx
    Originally posted by carrielovesfanta
    That sounds quite accurate actually. I'm shattered all day then wide awake by about 8pm. I shall look into it thanks
    NST October #11 nsd = 5
    I am honestly trying my best
    • YORKSHIRELASS
    • By YORKSHIRELASS 20th Aug 19, 6:29 PM
    • 4,802 Posts
    • 40,271 Thanks
    YORKSHIRELASS
    Hi all

    Worked a straight 8 hr day without a break so no spending. Managed to get a meal cooked, hoovered through, dusted upstairs, sorted some washing and all done for 7pm which was good. Should have gone to pilates but will go later in the week, just wanted to chill out at home tonight.
    • La escocesa
    • By La escocesa 20th Aug 19, 9:31 PM
    • 3,013 Posts
    • 19,204 Thanks
    La escocesa
    Morning all
    Intrigued by the oat milk La E. What do you use it for? Instead of ordinary milk?
    Originally posted by DawnW
    Yip, just instead of cow's milk - we spend about £7 to £9 a week on milk so I'm hoping we can cut this down quite a bit
    • ditty1234
    • By ditty1234 20th Aug 19, 9:41 PM
    • 296 Posts
    • 2,021 Thanks
    ditty1234
    Yip, just instead of cow's milk - we spend about £7 to £9 a week on milk so I'm hoping we can cut this down quite a bit
    La E Not being old fashioned but if you have kids - is there enough calcium and stuff in the oat milk? It sounds good though, I have been using almond milk for myself, but I guess environmentally oats are a bit more local - so I might give it a try - I just need to get the nutri bullet first.
    LBM Jan 2019 -£25.928/-£24.510 5% paid off
    EF £0 March 2019 /EF £700 in August 2019/EF £150 October 2019
    • trailingspouse
    • By trailingspouse 21st Aug 19, 4:20 AM
    • 3,798 Posts
    • 7,266 Thanks
    trailingspouse
    carrielovesfanta - you have my sympathy, I had pleurisy (a form of pneumonia) 20 years ago. Be patient with yourself - you will get back to normal, and every day you'll feel just a little bit better.


    Debt-free stuff I did yesterday -

    - made blackberry jelly from the blackberries I'd picked the day before
    - saved the squished blackberries from the jelly making (portioned up in the freezer) to mix with natural yogurt for a quick and simple pudding
    - I'd made cottage cheese from some milk that had gone sour, so I mixed the whey with oats to make porridge for this morning. Seems a shame to waste it - I haven't done it before, so will report back...


    Debt-free stuff I hope to get done today -

    - eat the porridge made with whey Done - hmm, tasted different from porridge made with milk, not unpleasant. Certainly better than pouring it down the drain.
    - ironing (only a couple of items) - done

    - clean the bathroom using a minimum of 'product' - most areas just need to be wiped with a damp cloth, then I'll use something stronger on the shower screen and shower tiles, and on the loo.
    - print off tickets. I'm off to see A Midsummer Night's Dream in the grounds of East Riddlesden Hall tonight. Not especially money-saving (although as theatre tickets go, £16 is a snip) - but it's my first night out in about 3 months. I'll take a picnic with me. I'll be driving, so won't be buying alcohol when I'm there. Done

    - check my bank account to make sure there's enough in there for the mortgage payment on 26th and move money around if necessary. There should be, if my calculations are correct, but best to check. Done - and there was. Phew.

    - pick more blackberries. I'm going to freeze these ones and use them over the winter. The bushes are absolutely laden with them, but I never see anyone else out picking them. Such a waste.



    I started my new job yesterday. It looks like I'll be too late for the August pay roll, so not out of the woods yet - but it's a start. It'll be nice to know there's a regular amount coming in each month. Plus the lodger moves in on Sunday so that's another income stream. Getting there.
    Last edited by trailingspouse; 21-08-2019 at 6:07 AM.
    • La escocesa
    • By La escocesa 21st Aug 19, 7:45 AM
    • 3,013 Posts
    • 19,204 Thanks
    La escocesa
    Hi everyone

    Ditty - Yes, I think if you don't want to give kids cows milk then you need to make sure they get enough calcium in other ways (fortified cereals, milk substitutes, leafy greens). Not an issue here though as baby girl is just 3 months. I guess you could make it with any hand held blender tbh. The recipe I saw said to use a sieve rather than a nut milk bag and don't squeeze too much out at the end because that's what makes it oily/slimey...
    The main thing in our house is that OH is lactose intolerant so he buys lactofree stuff, usually £1.40 a litre but if we go to the local shop it's £1.65 a litre! Now with me being home every day (and not using work's milk for breakfast and tea like I've been doing for 5 years) we've started buying 4 litres for home and then OH goes through 1 - 1.5l in work. Crazy amount for 2 people I think...

    Trailing - it's annoying to miss the payroll cutoff, but it sounds good about your lodger moving in. Just think of your bumper pay packet next month.

    CCL - Phew for your insurance! Hope kitty gets better soon.

    Just the usual here today...
    - Need to call mortgage peeps again...
    - Do home insurance comparison if I remember
    - WM and hanging dry
    - Using up veg in a stir fry (and soup if it's gone too far )
    - Making courgette fritatas if the courgette is still ok...
    - Meal planning/online shop
    - Made bread
    - Go out a walk if it's not raining later...
    - Sent pals a referral link for kidstart - we both get a fiver if they sign up with my link

    Rightyoh, I'll catch up with you later.
    • carrielovesfanta
    • By carrielovesfanta 21st Aug 19, 9:29 AM
    • 2,206 Posts
    • 17,564 Thanks
    carrielovesfanta
    Morning folks!

    Thanks again for everyone's well wishes. I feel so much brighter just for knowing why I'm not well still! I got to sleep fine last night and slept through well until my alarm which has made me very happy

    There's also been a breakthrough in the awkward work project so I feel very happy to have a plan

    Today's small things:
    B/L/D from stores - done
    App working again. Excellent customer services from the folks behind Our Home app as they have fixed it for me - done. Glad I emailed.
    A big bag of my fave tea from my friend - done
    Nip out to greenhouse as it's been neglected and probably desperate to be watered - done
    No alcohol - done
    Take my seeds - done, multivitamin and protein - done
    Back to the gym with my first rehabbing session - done
    Tidy round the house a bit - done
    Put some washing away
    Charge phone in work - done

    Will add anything that needs adding

    Have a good one all

    clf x
    Last edited by carrielovesfanta; 22-08-2019 at 8:39 AM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31
    Student loan repaid: 01/07/2019

    SAVINGS: £8500
    Car final lump sum: £1150/£6113
    • DawnW
    • By DawnW 21st Aug 19, 9:39 AM
    • 5,793 Posts
    • 46,228 Thanks
    DawnW
    Morning all
    Thanks for the oat milk explanation La E
    Trailing, hope the new job goes well, you have been very productive!
    CCL, hope you love your new sofa

    Bleurrgh, I felt unwell last night and went to bed early and this morning I have a cold and sore throat Dosed myself up to relieve some of the symptoms, as it always makes my asthma play up OH forgot to set his alarm last night because I wasn't awake to tell him to do so,so was late for his golf game /meeting up with friend. Drives me mad!
    Anyway, onwards. I have plans for today, and will jolly well make sure they happen. Today's small things (actually include rather expensive things )
    Washed hair with everlasting shampoo bar and left to dry naturally
    HG raspberries with breakfast

    Pay BT line rental saver. BT are expensive with horrible customer service. However, their broadband does work reliably in this area, which many of the competitors do not. And I am still scarred from a T*lkt*lk experience a few years ago, Disclaimer - their customer service was far worse, and their broadband etc did not work! Anyway, bit the bullet and paid up! It does make it a bit cheaper.

    Pay window cleaner who still hasn't come back to complete the job
    Pay breakdown renewal for car
    Try to persuade OH to part with some unused and unloved golf clubs (he has absolutely loads, 2 full sets plus lots of unused extras which regularly fall over in the garage entrance) to a freecycler who is requesting some for a charity craft project.
    Clean bathroom
    Make a curry to use up more fridge stuff
    Pick more tomatoes
    Freeze some beans

    Not going anywhere today, so I won't be spending anything (other than paying above bills).

    Hope everyone has a good day

    • allydowd
    • By allydowd 21st Aug 19, 9:41 AM
    • 4,639 Posts
    • 30,511 Thanks
    allydowd
    Hi August Austerity-Fans,

    Not feeling the love for anyone or anything this morning. Trying to shake it off with being productive by way of distraction.

    Debt-Free-Nillionaire Continuity Plan Year Five:

    * Check online banking.

    * Clean bedroom with Stardrops and washable cloths. Done.

    * Study cleaned and cr*p put away. Done.

    * Deep clean Bathroom. Done.

    * Clean Study. Done.

    * Sort out kitchen. Think an incendiary device has gone off in there. Done.

    * Clean Sitting Room. Done.

    * Deep clean metal shower hose with a denture tablet in a bucket. Done.

    * 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 321/500. None today. Wonky ankle not in the mood.

    * Still writing....






    “Everything will be okay in the end. If it's not okay, it's not the end.”
    Last edited by allydowd; 21-08-2019 at 1:09 PM.
    Debt-free day: 8th May 2015
    The Joy Account: £150

    Travel 500 Miles Free Challenge: 368/500
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • carrielovesfanta
    • By carrielovesfanta 21st Aug 19, 10:25 AM
    • 2,206 Posts
    • 17,564 Thanks
    carrielovesfanta
    Hi August Austerity-Fans,

    Not feeling the love for anyone or anything this morning. Trying to shake it off with being productive by way of distraction.

    Debt-Free-Nillionaire Continuity Plan Year Five:

    * Check online banking.

    * Clean bedroom with Stardrops and washable cloths. Done.

    * Study cleaned and cr*p put away. Done.



    * Clean Study.

    * 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 321/500.

    * Still writing....






    “Everything will be okay in the end. If it's not okay, it's not the end.”
    Originally posted by allydowd
    Sorry you're not feeling so good hopefully a clean tidy space will settle you a bit
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31
    Student loan repaid: 01/07/2019

    SAVINGS: £8500
    Car final lump sum: £1150/£6113
    • twiggy86
    • By twiggy86 21st Aug 19, 10:41 AM
    • 1,364 Posts
    • 6,932 Thanks
    twiggy86
    Morning all!

    Not an MSE start to the day - made my sandwich for lunch, only to then leave it on the kitchen side!

    Today I have/ will:
    * Do washing up
    * Put a washing load on 30 degree eco wash - given OH instructions to hang on line!
    * Squeeze out toothpaste tube
    * Go to gym at lunch
    * Buy cheap lunch!
    * Snap receipt
    * Look into change phone contract (sim only so thought I had a good deal - I don't) 10 minutes on the phone and reduced from £17.92 to £8 per month!
    * Call ee to try haggle price!
    * Maybe pick some blackberries
    * Dinner from stores
    * Wash face with flannel

    That's everything I can think of for now. Hope you all have a good day.
    Last edited by twiggy86; 21-08-2019 at 11:28 AM.
    Starting again.. LMB 31.7.19 Starting total: £13,418.33 Current total: £11,816.84
    One and half debts down, four more to go!
    • Happy Kitties
    • By Happy Kitties 21st Aug 19, 11:09 AM
    • 941 Posts
    • 7,919 Thanks
    Happy Kitties
    Just had a catch up and hope that everyone out of sorts, poorly, under the weather -including CCL cat (vet bills can be the worse headache) are feeling better soon.

    I went into hospital on Monday but a few changes meant that I didn't have to stay which was the original plan. Have been very grumpy as have been told that it can take up to a year to recover. I'm the most impatient patient going so wasn't very happy. Plus next operation will go ahead in 8 months and an extra specialist has to be brought in.
    Just thought I will work really hard to get my stamina and fitness up again only for it to be knocked down again so had a self wallowing miserable day yesterday but today feeling happier today

    Will be a bit of a spendy day today. We have a lovely Dutch pancake house here. Lovely local business that does a cracking trade all year round. DD and I have been planning a pancake trip for awhile

    Banking checked, everything good. Need to claim some monies back and bank a cheque
    Quidco-have had a really good payout. DD and I have been wanting to do a M&S trip for ages so decided to cash out and get an extra 5% by requesting a M&S voucher.

    Had to order a new washing machine as the old one decided to completely pack up. It was never great but new one will be delivered Friday. It has been very spendy recently

    Need to get some birthday presents wrapped that can go with a family relative this weekend-big saving on postage.
    Need to get a parcel posted, just haven't had the time
    Will be starting back on the main RM panel next month. Currently doing the unadressed survey but when checking found that I had a top up of points on their new voucher system-will save for Christmas

    Can'take think of anything else.
    Have a great day everyone x
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=360.66
    • 1LuckyLady
    • By 1LuckyLady 21st Aug 19, 3:51 PM
    • 751 Posts
    • 11,752 Thanks
    1LuckyLady
    Hi all, Just a quick thank you for all the well wishes last week after ds2s fall.
    I'm going to make myself a cuppa and catch up on the thread now .

    Take care all
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • ditty1234
    • By ditty1234 21st Aug 19, 10:00 PM
    • 296 Posts
    • 2,021 Thanks
    ditty1234
    Well not really a spendy day but kind of a unexpectedly bad day.
    I was expecting a bit of coming and going of both boys and a bit of lunch and a bit of flexibility, a lot of sorting boxes and getting ready for term starting on Tuesday. And then boom crash half way through hanging the laundry I got a call from a very incoherent ds. He crashed on his bike.
    Anyways to make a long story short I spent 7 hours in A and E and ds got the full treatment, and got out with a split lip w stitches all of arms and legs and lower face grazed and an arm broken in 2 places, and arms and legs grazed. And no concussion as he was wearing a helmet.
    I feel the cause was a combination of me running my life the same way the council runs their potholes - a bit of patching here and there, but never quite catching up. The breaks on my bike were due to be replaced and he rode it down a steep hill anyways and hit a council pothole. With a bit of luck he's asleep now but he's a real mess.
    MSE wise though I rode into A and E with him in the ambulance and was planning to take a taxi home - not far, but we got a lift with the dad! I only spend money on some painkillers for him, as he couldn't eat anyways and I didn't want to eat so all in all a daft afternoon, makes me sad, but uni son was great brought phone charger cables on his bike and went and hung out with his friends a bit, also dropped by and made silly (slightly uncalled for ) jokes.
    So thats me, only spent 5.50 at the end of the day, but now bike needs full rewire and I think I will get ds new headphones or something to cheer him up!
    Last edited by ditty1234; 21-08-2019 at 10:07 PM.
    LBM Jan 2019 -£25.928/-£24.510 5% paid off
    EF £0 March 2019 /EF £700 in August 2019/EF £150 October 2019
    • Baileys Babe
    • By Baileys Babe 21st Aug 19, 10:04 PM
    • 2,594 Posts
    • 13,570 Thanks
    Baileys Babe
    Popping in to try and catch up, I'm currently reading Tuesdays posts.

    ditty Good luck to ds for tomorrow.

    Ziggy my nephew did his NCS earlier in the summer, he appeared to enjoy it.

    CLF OH was in hospital earlier in the year with pneumonia, we were shocked how long it takes to recover, until very recently he was still struggling, in the last few weeks he has improved, please bare in mind he is not as young as yourself and is chronically ill.

    Edit to add

    ditty Sorry to hear about ds' accident, wishing him a full and speedy recovery.
    Last edited by Baileys Babe; 21-08-2019 at 10:21 PM.
    • carrielovesfanta
    • By carrielovesfanta 22nd Aug 19, 8:57 AM
    • 2,206 Posts
    • 17,564 Thanks
    carrielovesfanta
    Morning folks!

    Ditty - I'm sorry to hear about your ds's accident. It's not your fault though, sometimes these things happen. Sounds like it was more the pothole to me. I would probably get on to the council about that! Maybe they will pay for the new headphones!

    BB - sorry your OH was so unwell. I hope he's back to as well as he can be now x

    HK - not like you so sound so downcast. I hope you're on the up again xx

    Had another good night's sleep under my belt which makes me happy. I was having a fairly chipper day in work yesterday until ex=colleague turned client from hell got on the phone. Hot damn that person is a complete a-hole. Still it was a conference call and the person made all my other work mates mad too

    Glad I'm off today though. I've got a list of things to do. Some mse, some not:
    B/D from stores. Poss L out. Nothing too dear though. - done
    Go to local outlet village to buy a few holiday bits. I need a bikini top and some sandals. OH needs new shorts. - Got some pretty walking sandals and accidentally bought a really cute dress that I looked fab in
    Reconcile budget sheet - done
    Wash duvet cover on spare bed as MIL wants to stay over tomorrow! Duvet cover is clean, but dusty as no one has stayed. - done
    List a load of bits of FIL's on ebay then hide them from MIL. - done
    General cleaning, tidying and washing - done
    Tried to sort a computer problem. We are sometimes getting a blue screen of death caused by "arthurx.sys". Investigation shows that this is the driver for the wireless adaptor. Further investigation unfortunately shows that the drivers do not go up to windows 10 so I think I need a new one. Grrr.

    Will add any more that I do

    Have a good one all

    clf x
    Last edited by carrielovesfanta; 25-08-2019 at 10:43 AM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31
    Student loan repaid: 01/07/2019

    SAVINGS: £8500
    Car final lump sum: £1150/£6113
    • crazy_cat_lady
    • By crazy_cat_lady 22nd Aug 19, 2:37 PM
    • 5,082 Posts
    • 45,289 Thanks
    crazy_cat_lady
    My goodness ditty - your poor ds! Thank god he was wearing a helmet. I hope he's feeling ok today (although suspect he may be uncomfortable for a couple of days).
    All quiet here today - I've been into school for results. It's good news, the school has improved and my department results have improved. My chemistry results are much improved from last year and a good lot of my class got the top grades so I'm very proud of the kids there.
    Nothing much else happening this afternoon apart from my analysing results - maybe a bit of crochet.
    NST October #11 nsd = 5
    I am honestly trying my best
    • DawnW
    • By DawnW 22nd Aug 19, 6:40 PM
    • 5,793 Posts
    • 46,228 Thanks
    DawnW
    Evening all
    Hope your DS is ok Ditty - poor thing
    Congrats to you and your students on exam results CCL
    ((Hugs)) to everyone else - better keep to virtual ones as I am disease ridden atm Had virtually no sleep due to coughing, went to bed for a while this afternoon but coughed again, best to stay upright!
    So, not much done today:
    HG berries for breakfast
    Tidied kitchen
    Dog to groomer for a much needed haircut this morning
    Decided a coffee with OH in the nearby garden centre was more cost effective than driving home for the hour and then having to drive back.
    Plenty of food in the fridge so virtually no cooking needed, just some rice
    Packed a couple of ebay sales
    Ordered a book I wanted from Amazon, but no proper money spent as I had gift card 'money' from surveys
    Persuaded OH to part with a pile of odd golf clubs that he doesn't use (not the set he uses, or his spare set - rolls eyes) as a freecycler is asking for some for a charity upcycling project. He is coming to collect them tomorrow, so will ask him how you upcycle golf clubs! Anyway, a pile of clattering junk gone out of the garage - result
    OH is going away for a few days from tomorrow to help out a friend with some ground work, so hoping to feel better so I can get lots done! (And get rid of more junk )

    • determined new ms
    • By determined new ms 22nd Aug 19, 8:18 PM
    • 7,396 Posts
    • 44,269 Thanks
    determined new ms
    Hi everyone ditty how frightening for your ds and you. Hope he's ok today x

    Haven't been up to much today. Stayed in and made a dress for my weekend away. It's a bit tight so after the weekend I think I'll take apart the side seams and add a gusset but for this weekend it's great just need to hem it

    Did TOMM already 2 weeks in my house is much more orderly and I'm only doing 30 mins of hw a day

    had last of chorizo & chickpea stew for lunch

    did a load of washing, hung on line and put away

    that's all!
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
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