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  • FIRST POST
    • determined new ms
    • By determined new ms 19th Aug 19, 7:19 AM
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    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 3
    • ditty1234
    • By ditty1234 22nd Aug 19, 10:02 PM
    • 296 Posts
    • 2,021 Thanks
    ditty1234
    Thanks for well wishes everybody, I took ds to see nurse this afternoon and she was great and confirmed that all looked right, the poor kid the area between his nose and upper lip was perforated by gravel from the outside and teeth from the inside, so not a pretty sight, but it's all started healing now, and it will have calmed down before he has to start sixth form ... in his regular school he passed al of his gcse's with passable grades so basically all is well.
    This afternoon ended in an other emergency and I had to go to London - an hour each way - to pick up my son after he had a seizure on the train. He was fine and people were kind, but how devastating is that for him. But I made it back, brought snack for train, bought him a ticket to come home, so I made it out and back in 2,5 hours so that was great.
    So that is enough of emergencies and upsets, now I just want a long calm bank holl weekend, with a couple of long runs, a swim and I have booked a walk w a friend.
    All is well all will heal, and I just want to sleep!
    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 22nd Aug 19, 11:40 PM
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    Baileys Babe
    CLF OH's recovery from pneumonia is going quite well, but he does get chesty quicker than previously. Unfortunately his chronic condition is flaring up at the moment.

    ditty I'm pleased to hear ds has the results he needs to proceed with his plans.

    ditty Heartened to hear people were kind to ds and you were able to get to his aid swiftly.

    CCL Congratulations on your results. Try and remember these great results next time self doubt rears its ugly head.

    Dawn Please rest and give your body the opportunity to recover, remember it isn't that long ago since your operation.
    • foxgloves
    • By foxgloves 23rd Aug 19, 5:35 AM
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    foxgloves
    Morning Campers,
    Goodness me, there have been some trials & tribulations on here since I last checked in. I do hope everyone is picking up now, or at the very least feeling able to cope with what life is throwing at them. My love to everyone xx
    I've been lured from comfy bed by needing coffee, so have been thinking about what I need to do today:
    *Batch cook. Picked a basket of produce yesterday & want to maximise its use.
    *Water veg & see if any more beans are ready.
    *Make another batch of pesto.
    *Start this week's house clean, which I intend to split between today & tomorrow morning unless I have a burst of energy.
    *Sweep courtyard where Mr F had a charcoal incident & seems to have forgotten where we keep the brush!
    *Meal plans for next week.
    *Start shopping list.
    *Knit Christmas gift...... starting with the two very long rows I had to frog last night to get rid of a tiny mistake. It didn't show much, but I knew it was there & it would have annoyed me for the duration of the project.
    *Email solicitor as a piece of info received yesterday contradicts something we were told originally regarding inheritance tax. I'll be glad when all this legal stuff is done & dusted. £210 an hour! I think I chose the wrong profession!
    OK, heading off in search of caffeine & toast now.
    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
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £304 2018 = £418 2019 = £217
    • trailingspouse
    • By trailingspouse 23rd Aug 19, 6:21 AM
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    trailingspouse
    Crikey ditty1234 - fingers crossed for a calm, relaxing, bank holiday for you.



    Today I will be -
    - shopping. At Aldi, with a list. The list is already written - I did a 'search and destroy' on the fridge last night to see what was lurking (not a lot, to be fair!!), what needed to be used, and what was missing. I then did a meal plan based on my shifts for the coming week (on the day I finish at 3 I'll be making a curry from scratch, on the day I don't finish until 8pm it'll be something that can go straight from the freezer to the microwave). And I will be sticking to my list. Average weekly food bill (since records began, which was February) is £17.84. That's for one person, but includes an occasional takeaway, coffee out, and so on. Done. Spent £15.61, so below the average spend. Go me.

    - clean the bathroom. Which should have been done yesterday but wasn't. No excuses, just couldn't be arrised. Done. That shower didn't know what had hit it.
    - empty the freezer and defrost/clean. It doesn't need doing often, but as the lodger's moving in on Sunday and I've said he can use the freezer if he wants to, I've decided it needs a sort out. Tomorrow is another day...
    - pick blackberries. Again, planned to do this yesterday but the rain never let up all day. Today looks like it might be more conducive. I'll then put them in my shiny clean and tidy freezer. Nope.
    - go to the gym. I finish work at 3 today so I'll be at the 5:30 session. Done.
    - pizza for tea. This is my Friday night treat. I buy a pizza from Aldi, cook half and freeze half. I have it with a salad and a glass of something alcoholic from stores. I'll put it in the oven before I go to the gym, so when I get back I just have to switch the oven on and by the time I've had my shower and got sorted it's just about ready. Done

    - do some washing. A load of normal clothes, a load of uniform (it's black, so don't want to risk it with everything else until it's had a few washes). First load in, and almost dry. Second load in. Will get it all dry tomorrow.


    Just added to the list - cut the grass. It's finally dried out, so need to do it while I have the chance. Other stuff will just have to wait. Done.



    Wishing you and yours a lovely (and incident-free) Bank Holiday weekend.
    Last edited by trailingspouse; 23-08-2019 at 8:13 PM.
    • 1LuckyLady
    • By 1LuckyLady 23rd Aug 19, 6:55 AM
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    1LuckyLady
    Morning all,
    BIg hugs to all who are struggling at the minute, lots of stresses, illness and worries.
    Todays list
    # go to the gym to make the most of my membership (& dh to come to as he's on holiday this week so he's making the most of his new membership too) Will refill water bottles there.
    # go to the trampoline place, I've emailed them to cancel ds2s membership as he doesn't want to do it after breaking his arm there but ds1 would still like to go. (can I wrap him in bubble wrap first?....)
    # whilst out pop into Mr A as I know that they have dh's coffee on offer - also look for new pencil case for ds1 as his old one is wrecked
    # Get the rest of the shopping we need from alddee with my list, we haven't switched back on the 2nd fridge/freezer yet so need to be mindful of space
    # sort out wardrobes with dh. Add more to the charity shop pile I'm sure! When we sorted through his wardrobe in January we turned all the coathangers the wrong way around to help see what he actually uses. Theres at least half his of them still facing the wrong way I reckon.
    # look to see if there's a way of making some money from some old records dh has.
    # take a photo of our dvd stash as we've recently sold a load of stuff to cex and used some of the vouchers to buy some very cheap dvds from them that we love but when in there the other day we very nearly bought one we'd bought the week before! If I have a pic on my phone and just update it we'll not have a problem.
    # check banking/update spreadsheet
    # help ds2 set up his little spreadsheet as he's now got a debit card on his account

    Thats my starter as I really ought to go and get dressed for the gym.

    Take care all.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • Baileys Babe
    • By Baileys Babe 23rd Aug 19, 8:23 AM
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    Baileys Babe
    I'm not sure what we are planning on doing today. So I will crack on with the children's lessons.

    Todays list:
    PAD
    NSD
    Pmp
    Home educate children for free
    Stick to the meal plan
    B/L/D from stores
    Make a batch of porridge
    Make a loaf
    Continue with our project to refurbish our door handles, the springs inside have broken, instead of buying replacements we bought a tool and replacement springs, saving us a couple of hundred £

    Continue with project email, I have started to weed out my files, spending about 10-20 minutes a day decluttering and I can see l am making progress. I am feeling like I am keeping on top of 5 of my email accounts, the 6th I read and deal with what comes in, but I haven't found a way that works for me regarding what needs storing & where.
    • determined new ms
    • By determined new ms 23rd Aug 19, 8:42 AM
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    determined new ms
    Morning I've got a !!!! of an upset stomach woke up at 4 am, went back to sleep at 5, feeling a bit better but also dicky. Hope it improves!

    Taking madam to get her school shoes and other school bits needed ready for back to school

    payday today so will log on and do shuffles/budget at some point

    finish dress. Just to hem, did all the pressing last night so shouldn't take too long

    depending on how I feel/time I may alter a t-shirt for a friend

    b/d from stores, think I'll get me and madam a portion of chips while in town

    TOMM

    ok that'll do!
    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 23rd Aug 19, 8:44 AM
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    • 44,269 Thanks
    determined new ms
    I have no idea what I wrote that necessitated "!!!!"!
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • twiggy86
    • By twiggy86 23rd Aug 19, 3:13 PM
    • 1,364 Posts
    • 6,932 Thanks
    twiggy86
    Afternoon all.

    Ditty - I hope you are all ok. Sounds like a tough couple of days.

    Today I have/ will:
    * Take lunch to work
    * Update spreadsheet with yesterday's spends
    * Go to the gym at lunch
    * Check OP and PA
    * Book free eye test
    * Charge phone in work
    * Probably pop to friends on way home from work rather than meet them out later (as I won't be drinking anyway and OH doesn't want to go - saves on petrol and a soft drink)
    * Dinner from stores

    Hmm, that seems like a very short list! Must be more things! Hope you all have a good Bank Holiday weekend!
    Last edited by twiggy86; 23-08-2019 at 3:21 PM.
    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!
    • YORKSHIRELASS
    • By YORKSHIRELASS 23rd Aug 19, 6:32 PM
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    • 40,271 Thanks
    YORKSHIRELASS
    Hi all

    Ditty hope he is OK, what a shock for you too. I remember when DS came of his bike, far less dramatic than your boy, but we thought he had broken his arm. It was awful.

    After much debating we have booked to take DS away for a night, at a bargain cost of £37 for the three of us. DSs ex-GF is being really nasty for no obvious reason and some of DSs friends are taking sides, so it will be nice to treat him, and it wont be long before he goes off to uni.

    Not sure what else the weekend brings. Oh another family BBQ Sunday, want to try and get out and enjoy the good weather.
    • DawnW
    • By DawnW 23rd Aug 19, 8:30 PM
    • 5,793 Posts
    • 46,229 Thanks
    DawnW
    Evening all
    Felt vile all day, and have taken it easy, but have come to life a bit now it is cooler
    OH is off on his adventures with big diggers and stuff, so just me and the dog for the weekend - unless DD2 and kids come over tomorrow, which is pretty likely
    Anyway, I have managed the following:
    Not spent anything

    HG berries with breakfast
    Stripped off spare bed and washed linen, cleaned ensuite and dusted furniture. Didn't get round to hoovering, but I will do that tomorrow.

    Posted 2 ebay items
    Added some items to my sales unit while out, as there were big gaps
    Walked dog

    Watered whatever needed it in the back garden
    Picked beans, tomatoes, courgettes and raspberries
    Took some rhubarb out of the freezer to cook it down. I will refreeze it in shallow foil containers and hope to gain a bit of freezer space by getting rid of big lumpy bags! If it works I will do more tomorrow!

    Also got out a lumpy, unruly bag of what I think is stewing lamb. I will convert this to a tagine tomorrow when it has defrosted properly.

    Batch of tomatoes roasted ready for converting to sauce tomorrow (I am going to be busy tomorrow, aren't I?)
    Freecycler came and picked up a clattering pile of old, unloved golf clubs OH is a bit of a hoarder, so I was pleased to be able to persuade him to let these go - he does play golf, but still has a set of (expensive) clubs.... plus a spare set
    Hoping to get a bit more sleep tomight, cough permitting!

    • foxgloves
    • By foxgloves 24th Aug 19, 6:21 AM
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    foxgloves
    Sorry to hear you are poorly, Dawn. At least you've got rid of some golf clubs!

    Morning all,
    Not planning many jobs today as I think it will be hotter than I like. On the list:
    *Vacuum upstairs as it's the only bit of my Friday cleaning I didn't do.
    *Continue next week's meal plans.
    *Start shopping list.
    *Take cup out with me for a free coffee.
    *Restrain Mr F in the butchers as he's BBQ-ing tonight.
    *Knit a bit more Christmas gift.
    *Water veg garden.
    *Read library book.
    *Bath & hair wash will involve several 'use it up' opportunities.
    *Check homegrown grapes for ripeness as they could be providing some of our fresh fruit over the next week.
    But I shall spend a nice lot of time sitting outside with my book, all being well.
    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 = £217
    • crazy_cat_lady
    • By crazy_cat_lady 24th Aug 19, 7:48 AM
    • 5,082 Posts
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    crazy_cat_lady
    Morning
    Dawn - sorry to hear that you haven't been well. Hope that you're on the mend today.
    Ditty - you had the day from hell by the looks of things. Hope you're ok too.
    I had a day off hibernating from the world yesterday after a depressing phone call with my solicitor on Thursday evening. I just needed a rest and some time to get my head together.
    However, I did get quite a bit of crochet done, and a couple of frogs. Managed to find someone who wants my own sofa - so saving landfill/recycling and helping someone who needs it.
    Also tackled a couple of awkward phone calls and emails that I've been putting off.
    Just cannot get the sleep thing right though - I haven't managed more than about 5 hours a night for at least a week. I've tried all of my usual tricks - suspect I may need to be out and about more than I am but I don't fancy tackling much on bank holiday weekend. I'm not good with lots of people.
    Anyway - not sure what today will bring so I'm just ploughing on.
    NST October #11 nsd = 5
    I am honestly trying my best
    • ditty1234
    • By ditty1234 24th Aug 19, 8:29 AM
    • 296 Posts
    • 2,021 Thanks
    ditty1234
    Haven't been on here hard to be MSE when thrown upon with various emotional and health issues. Will be going for a free mellow run in a bit to sort out my head :-)
    But everybody is safe, relaxed and hopefully healing and getting ready to get on with things as and when.
    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 24th Aug 19, 9:56 AM
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    trailingspouse
    Glad to hear it Ditty!

    I got yesterday's load of washing hung out earlier - should be dry now.


    My lodger moves in tomorrow - so far today I've given a final hoover and dust to the attic flat he'll be moving in to (once he moves in, he'll be doing his own cleaning). I've also moved a spare coffee table and my microwave up there. I don't often use the microwave, and he'll have no other means of cooking in the flat (although he's welcome to use the main kitchen if he wants to do some real cooking) - so it makes sense to me to move it up there rather than going out and buying another one.


    While I had the hoover out I did the rest of the house as well.



    Currently de-frosting the freezer.



    I'm also making soup for tonight - I'm working 3pm - 8pm - so all I have to do when I get in is hot it up.


    Next job is to go and pick some more blackberries.



    Then I just have to sort out the paperwork for the lodger, and I'm done. By then it'll be time to go to work (for a rest??)
    • 1LuckyLady
    • By 1LuckyLady 25th Aug 19, 6:38 AM
    • 751 Posts
    • 11,753 Thanks
    1LuckyLady
    Morning all,

    Ditty I hope your son is getting better, sounds dreadful. My son currently has a broken arm and that was bad enough!
    CCL, I hope you got a better nights sleep last night. Its hard when you get into a bad sleep pattern.
    Clf, Dawn & Dnms, I hope you're all feeling better then you were too.
    to everyone else

    We've had a good few days although an unexpected trip to ikea on Friday ended up spendy and then we got stuck in long bank holiday weekend queues on the way home too. So yesterday was a day around the house mostly to try and stop spending!! (Did pop out to icyland as we needed cheese for the nachos that I'd promised the kids but used survey love 2 shop vouchers for them so that doesn't count!)
    Also went for a walk with dh (and took a little box with me in the hope of finding some blackberries, which we did. a nice bag of them in the freezer now. My youngest often asks for fruit but my eldest wouldn't think of picking up an apple out of the fruit bowl and eating it but he'd stew and apple and have it with a handful of frozen berries and think he's having a real treat so a few more walks and berry picking the next few days I think
    Washed 3 loads on the quick 30 degree wash and got them out on the line to dry yesterday, all hung straight way with no need to iron except for 4 white tshirts and a shirt (will leave these tiil next week when dh is back to work and I'll need to wash/iron some work shirts rather then switch the iron on for these few bits.
    Had soup again for lunches, we had several quite old tins at the back of the cupboard (you know..the ones you buy thinking oh that would be a nice change but then everyone only ever wants tomato soup so they stay there!) Kids had theirs with the end of a bag of noodles in to pad it out a bit.
    Claimed a £10 m&s voucher from rm surveys, just need to print this off on to some reclaimed paper now!
    We moved some furniture around in what was the spare room but now dh's office for when he gets to wfh, It looks much better in there now, I hope it works out to be practical for him as this is using bits of furniture we already had so its not cost us anything extra, other then a desk mat.
    I peeled, grated and then froze a bag of carrots that had started to go off must have been the change in temperature.

    I'm sure we did more but thats all I can think of. Time to make a cuppa and think about todays list.

    Take care all.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • 1LuckyLady
    • By 1LuckyLady 25th Aug 19, 6:49 AM
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    • 11,753 Thanks
    1LuckyLady
    So to todays list
    * go to the gym with dh to make the most of our memberships before he goes back to work (will refill both water bottles there several times I'm sure) (need to make sure dh has the wifi password for the gym too ) not doing as dh woke feeling off
    * write a proper big shop shopping list for tomorrow, when we went away we ran down both fridges/freezers so I want to make sure I fill them with good stuff and no junk! done
    * have to be home late morning for a tradesman for a couple of things round at the rental house, but this guy has usually been very prompt and quick with his work so hopefully I won't have to hang around too long.
    * look into selling dh's old records, this fell off the list on Friday. DH has some picture discs etc that he thinks might be worth something so need to investigate.
    * put fabric recycling bag in to my car for next time I see a recycling point! its in the car along with the bag of library books that need returning
    * run the dishwasher on the quick wash done and empty done
    * check banking
    * update calendars with hospital appointments for ds2
    * make a to do list for Tuesday as I need to make a couple of phone calls to try and rearrange some of ^ as just realised that one of the appointments is on ds2s first day at his new school, if I ring first thing Tuesday morning I'll see if they've had any cancellations for before the term starts and the one of the other appointments clashes with a dentist appointment!
    * another walk and blackberrying if we get chance.
    * print gift voucher I mentioned in other post
    * write birthday cards done and cheque so that we can pop them though the door in the week if we happen to be passing. (otherwise I'd end up ordering something on line and spending more!)
    Also, ordered dh & ds2s prescriptions online
    ** washed both cars by hand (a bucket of water and a watering can of water each to rinse off, no hose pipe used!)

    Thats my starter for the day. Take care all.
    Last edited by 1LuckyLady; 25-08-2019 at 9:54 AM.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • PurpleFairy26
    • By PurpleFairy26 25th Aug 19, 8:20 AM
    • 2,935 Posts
    • 20,057 Thanks
    PurpleFairy26
    Morning all

    We're back from our time away. I've been reading but not posting. Wow, a lot has happened in a week around here. Hope those poorlies or family members who are poorly are feeling better.

    We had a great time away and stuck to our budget whilst having lots of fun which was good news. 2nd load of Washing is on the line and the third in the wash. Great day for drying. Lots of clothes to put away. I also need to sort out clothes as there will be some smalls have grown out of and want to double check the school clothes situation too.

    I've done some money shuffling this morning, including paying ourselves back for something we bought from savings (that we've now saved up for iyswim) does anyone else do this?!

    Inspired by our own amazing DNMS efforts, I am going to research curtain making. I have a machine and really want to make some that I'll need in the next few months. I have an idea of what I would like but would never get them ready made as I have a big window, medium sized window and two long thin ones that I'd like to have the same material.

    Breakfast will be use ups of things we bought home from holiday but I will need to make a list and go to the shop as the fridge is bare. Another coffee first though I have a voucher or 2 to use so will see which might be best placed to go today.

    I've already picked a box full of raspberries with loads more coming and some blueberries. The simple things are so pleasing

    Hoping you ave glorious weather too - enjoy. Purps.
    • crazy_cat_lady
    • By crazy_cat_lady 25th Aug 19, 8:45 AM
    • 5,082 Posts
    • 45,289 Thanks
    crazy_cat_lady
    Morning all
    Just less than 7 hours of sleep last night, which is not quite where I want to be, but infinitely better than where I was.
    Fairly quiet day of pottering yesterday. I tried to convince the kids to go out for a walk and look for blackberries, but neither of them wanted to. Bit of a shame but I think I need to face the truth now, that my kids are like me in that they don't see the point in going for a walk just for the sake of it. I don't mind a walk with a proper route and a map in my hand, but they just like wifi… And spending my money - ds tried to offer me a quiet walk in exchange for a pub lunch
    Did finally get the last thing on the school list, dd's apron for her catering course - cannot wait for her to start that.
    My old sofa has gone - collected by the people from fb and with it have taken all of the unhappy memories I got every time I looked at it. I've put a couple of garden chairs in the living room short term until the new sofa arrives on Wednesday. The cats have already claimed them...
    Today looks like another scorcher of a day - I would kind of like to go out. But, my mental health is such at the moment that I can't bear the thought of being anywhere busy or crowded, and couple that with my WiFi addicted kids I can't see anything actually happening. We'll see.
    Whatever you're up to though people - enjoy.
    Lots of love to those that need it at the moment.
    NST October #11 nsd = 5
    I am honestly trying my best
    • La escocesa
    • By La escocesa 25th Aug 19, 8:46 AM
    • 3,013 Posts
    • 19,204 Thanks
    La escocesa
    Hi everyone

    Crikey, lots going on! Ditty - what a day! Hope everyone is on the mend.

    I've had a pretty chilled bank holiday so far. HM weed killer for the garden - 5l white vinegar, 1 cup fairy liquid, 1 cup of salt. Still need to go out and brush up the weeds but hopefully a lot easier now

    I spent a small fortune on furniture, which I'm hoping will sort out my tiny hallway mainly. Feels good not to buy big purchases on credit. As we decided not to move house we're feeling a bit better about spending money getting this place how we want it.

    I finally spoke to mortgage people. Usual mortgage woman wasn't there and had to speak to an annoying guy who's going to phone me back on Tuesday. He promises me he can get me a cheaper rate than I can find myself so I will see what he has to say...

    Oh, what do you think about frozen salmon fillets best before May 2019??? They just look like pink blocks of ice so I can't see how they could go off... Must use them up before OH sees them and chucks them without even testing

    Happy Sunday guys!
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