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    • determined new ms
    • By determined new ms 17th Jul 17, 7:30 AM
    • 6,834Posts
    • 40,019Thanks
    determined new ms
    What small DFW things will you be doing this week? WC 17/07
    • #1
    • 17th Jul 17, 7:30 AM
    What small DFW things will you be doing this week? WC 17/07 17th Jul 17 at 7:30 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 17th Jul 17, 7:41 AM
    • 6,834 Posts
    • 40,019 Thanks
    determined new ms
    • #2
    • 17th Jul 17, 7:41 AM
    • #2
    • 17th Jul 17, 7:41 AM
    Morning yippee still have 3 days off and today I have a totally free day as madam goes to CM

    Things to do today:

    * nip into town and return a pair of joggers for madam's school uniform
    * return a dress - I do love it but don't feel it's "me"
    * clean upstairs, wipe down woodwork in kitchen - everything is sticky , wash kitchen & bathroom floors
    * list 6 things I have found to sell
    * do meal plan using what's in and write up small shopping list
    * pop to the allotment this afternoon for a couple of hours
    * feed plants
    * might go for a swim and a sauna or use exercise bike and hot tub at home
    * listen to audio book
    * make courgette cake, didn't do yesterday (or any of the other days I've said I'm going to....)
    * paid cc is full

    I need to start working on my cv and a covering letter for a position I'm interested in

    Ok that's all. Have a great day guys x

    Clootiesmum so sorry to hear of your sad news x
    Last edited by determined new ms; 17-07-2017 at 10:51 AM.
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • PurpleFairy26
    • By PurpleFairy26 17th Jul 17, 7:52 AM
    • 2,164 Posts
    • 14,645 Thanks
    • #3
    • 17th Jul 17, 7:52 AM
    • #3
    • 17th Jul 17, 7:52 AM
    Morning determined and all that follow, thanks for starting us off

    Thinking of you clooties mum

    I'm just enjoying a coffee in the garden before the smalls wake up, the house is lovely and quiet. Some juggling today as I'm working at home but DH will need some sleep and the smalls are at home and will need entertaining in part. Will take them to library on my 'lunch hour'

    Other things:
    Register for summers big read at library for smalls
    Collect 3 books of DD reading list that I've reserved
    Check fridge that nothing needs freezing
    Something out of freezer for tea tonight
    Check banking
    Check surveys, try and cash out again from a site that was saying my address was wrong yesterday
    Check julys plans and see how on track I am and what else I want to achieve and make a note
    Try for a run later even if it's just round the block and short
    Water veggies, buy tomato feed whilst out as I can't find any in garage
    Check to see if there is any rhubarb to pick
    Write birthday card list that I'll need to get for next few months so I can pop later in the week.
    Buy vacuum

    Right, off to get on with the day. Enjoy.
    • allydowd
    • By allydowd 17th Jul 17, 9:14 AM
    • 4,103 Posts
    • 26,251 Thanks
    • #4
    • 17th Jul 17, 9:14 AM
    • #4
    • 17th Jul 17, 9:14 AM
    • Benefits check-up ( Link)
    • Coupon Shop Forum list of money-off coupons (Link)
    • Cooking On A Bootstrap, cheap recipes ( Link)
    • eBid ( Link)
    • Freecycle ( Link )
    • Free Postcode Lottery (Link)
    • FreeStuff ( Link)
    • FreeUKStuff ( Link)
    • Income Tax Calculator (Link)
    • i-Say Surveys (Link)
    • List of online newspapers. At bottom of the linked page. ( Link)
    • LuckyPhone free lottery with loyalty rewards (Link)
    • Marriage Tax Allowance (Link)
    • MSE Boost Your Income page. Gateway to lots of money-making links. ( Link)
    • MSE Abbreviations Explained ( Link)
    • MSE Deals and Vouchers ( Link )
    • MSE Wow Offers ( Link )
    • NHS Minor Ailment Service article (Link)
    • My Supermarket ( Link )
    • Number Plate Lotto (Link) New to this list
    • OnePoll ( Link )
    • Quidco ( Link)
    • Reclaim PPI at no cost to yourself without using a claims company. ( 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)
    • Survey sites that pay for your opinions ( Link)
    • Swagbucks ( Link)
    • Swapit ( Link)
    • Tickety Split cheap train tickets (Link)
    • 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: £1

    Bold Bicycle Bonanza: 93.01 km
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • allydowd
    • By allydowd 17th Jul 17, 9:28 AM
    • 4,103 Posts
    • 26,251 Thanks
    • #5
    • 17th Jul 17, 9:28 AM
    • #5
    • 17th Jul 17, 9:28 AM
    Hi July Joy-Seekers,

    Sorry I've been AWOL. Mentally quite unwell at the moment, but let's see what I can achieve today.

    I'm going to record things as I go them so this list will grow, hopefully.

    Hugs ClootiesMum.

    Debt Free-Nillionaire Continuity Plan Year Three:

    * Checked online banking. I was over-paid last week so I have to watch for the money going back out.

    * Keeping an eye on Broadband Allowance. This has been going well.

    * Checked loyalty points. Clicked on the "250 points on your next BP fuel purchase button" on the Nectar loyalty points page.

    * Deactivated my Quidco account. The last 5 transactions have all been declined so no good reasons. TopCashBack can have my business instead.

    * Got £20 loyalty voucher from my spend-on-credit-card-and-immediately-repay-it card. Will use for getting clothes for forthcoming holiday.

    * Did RM Surveys.

    * Re-activated dormant Skype credit.

    * DW and I cleaned sitting room with Stardrops and washable cloths. It had been left for a month. After 30 mins it's sparkling now.

    * Had a shower not a bath.

    * Drink loads of chilled tap water. I'm dehydrated to Dried Prune Level 5.

    Stay brave, people.
    Last edited by allydowd; 17-07-2017 at 12:14 PM.
    Debt-free day: 8th May 2015
    The Joy Account: £1

    Bold Bicycle Bonanza: 93.01 km
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • FatVonD
    • By FatVonD 17th Jul 17, 9:29 AM
    • 5,119 Posts
    • 20,651 Thanks
    • #6
    • 17th Jul 17, 9:29 AM
    • #6
    • 17th Jul 17, 9:29 AM
    Morning all! Was so tempted just to stay in bed today but need every penny I can earn for the forthcoming lean month (or

    I have brought in a couple of sausage rolls from the freezer for lunch and one of my courgette and lemon muffins. I have everything in for doing courgette and anchovy spaghetti for dinner tonight.

    I need to pop to prim@rk at lunchtime to get a new pair of jeans for DS.

    I will try to accept my mortgage deal today, hopefully I can open it on the work computer with more software.

    I applied for a local job last week, I sent some samples over at the weekend and got a reply saying they are beautiful but no interview arranged as yet, fingers crossed x
    Make £25 a day in April £0/£750 (March £584, February £602, January £883.66)

    December £361.54, November £322.28, October £288.52, September £374.30, August £223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54) Total for 2017 - £2,495.10
    • uphillstruggler
    • By uphillstruggler 17th Jul 17, 10:19 AM
    • 141 Posts
    • 791 Thanks
    • #7
    • 17th Jul 17, 10:19 AM
    • #7
    • 17th Jul 17, 10:19 AM
    Morning, everyone.

    Sending all the best to you, allydowd. I very much appreciate your money-saving lists and links, thank you.

    Hope everyone had a good weekend.

    Today I have/will:
    *attack laundry pile done
    *pay money into bank
    *check accounts done
    *check bike insurance status
    *no TV at the moment and only using n@tflix so cancel TV licence - tried but need other half to agree so will have to wait until he comes home from work
    *find out what is eating my tomato plants... - powdery mildew...going to try baking soda as an initial solution
    *few items from town
    *work, work, work!

    Have a good day all,
    Last edited by uphillstruggler; 17-07-2017 at 12:05 PM.
    Emergencies account: £500/500
    Groceries Feb 2018: EUR74.52/150 NSD Feb 2018: 1/8
    • crazy_cat_lady
    • By crazy_cat_lady 17th Jul 17, 10:38 AM
    • 3,515 Posts
    • 30,083 Thanks
    • #8
    • 17th Jul 17, 10:38 AM
    • #8
    • 17th Jul 17, 10:38 AM
    Morning all
    The first day of my return to normality after exams has hit me quite hard to be fair... I don't feel mentally well myself at the moment, which I think is the sudden stop after working so many hours for so many weeks.
    Hope that you're feeling better soon Ally, thinking of you. And you too Clootie'smum. Think I'd better give the kids an extra cuddle tonight as I've had a bit of a fractious weekend with them.
    Not too many plans for today, which is a good job because the plans that I did have are all up the wall. Got into work to find I can't access any of the school documents, plus my projector isn't working so can't do anything from computer or to the rest of the class. Plus I have been given cover for a sick colleague as well. So it will probably be better that I don't expect too much and just let today go how it seems to want to...
    Have a good one all - it's nice to be back on here. x
    DFD 6 Nov 15 - paid £28,447
    • allydowd
    • By allydowd 17th Jul 17, 11:54 AM
    • 4,103 Posts
    • 26,251 Thanks
    • #9
    • 17th Jul 17, 11:54 AM
    • #9
    • 17th Jul 17, 11:54 AM

    Free Grammarly auto proof-reader. Works nicely with Firefox, Chrome, Safari, Facebook and online forms like this Forum. Once installed it will flag up grammar and spelling errors and you can fix them with one click (Link)


    Tax break for eBay sellers? (Link)

    New Tesco Clubcards on their way (Link)


    Buy cleaning products, get two cinema tickets. (Link)
    Last edited by allydowd; 17-07-2017 at 12:24 PM.
    Debt-free day: 8th May 2015
    The Joy Account: £1

    Bold Bicycle Bonanza: 93.01 km
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • foxgloves
    • By foxgloves 17th Jul 17, 4:55 PM
    • 4,036 Posts
    • 20,784 Thanks
    Afternoon Campers,
    Got off to a good early start this morning but seem to have fizzled out now!
    *Watered & fed veggie garden.
    *Baked bread rolls & pizzas for tomorrow night when I'll be too tight for time to cook.
    *Did 1 competition & 1 prize draw.
    *Sorted out car tax online.....1st time since having a free-to-tax vehicle, which was a much nicer feeling than usual.
    *Did my mid-month budget check-in. I'm not sure it's entirely accurate so will check online banking every couple of dsys until payday to make sure I haven't screwed up the figures somewhere.
    *Half-way mark with the present I'm knitting & am 3/4s of the way through my new autumn scarf.
    *Made 2 small CC payments to pay off planned purchases where we used CCs solely for loyalty vouchers.
    *Two baths from one lot of hot water.
    *Laundry done on cheap overnight tariff. A second load done on the 30 mins at 30 deg setting. All nicely dry on the whirlygig as v sunny today.
    I can't think of anything else. I had a break for coffee & chat when a friend popped by, which was a nice surprise & a sit-down to catch up with 'Poldark'. Two meetings tomorrow so have been busy digging out paperwork for those too.
    Nice to have CCL back amongst our number.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = £800-01
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £304 2018 = £244
    • DawnW
    • By DawnW 17th Jul 17, 8:12 PM
    • 5,005 Posts
    • 39,462 Thanks
    Evening all
    I had an appointment at a rather distant hospital today, so not a great deal achieved:
    Cleaned main bedroom and bathroom to take my mind off it before we left. Discovered that OH appears to have lost the little brush thing for the Dyson, so I will have to get another one
    Load of washing, dried outside
    Managed to get both red wine and cider stains out of the dress I wore to the festival on Saturday - neither beverage was drunk by me, but friends seemed overly keen to share it about Luckily it is a multi coloured dress, so once dry, it didn't show up too much at the festival!
    HM savoury mince with new potatoes for dinner
    Annoyingly, I was too distracted this morning to make a packed lunch to take on hospital journey, so we ended up buying tasteless sandwiches at a garage How do they even make sandwiches which taste of absolutely nothing? Anyway, £4 completely wasted in my view - though at least my stomach wasn't rumbling when I was speaking to the consultant
    Paid buildings and contents insurance renewal - definitely not a NSD then! (Although I was quite pleased with the quote)
    Just advertised OH's truck online - we are hoping to sell 2 vehicles and buy one newer one. We have savings to buy another one and do not want to continue to tax / insure both the current ones, plus our old camper van. We may go to look at a potentially suitable one tomorrow Anyway, more expense, £36.99 for the advert
    Stopped milk delivery for next week, as I have lots of milk in the fridge, and more came this morning which I have frozen.

    Hospital news was as expected from my conversations with GPs, the consultant thinks that I have something chronic and incurable (though treatable if needed), but it doesn't need any treatment at this stage. She will confirm by letter when she gets the results from today's blood tests. Anyway, she didn't seem particularly worried, and I don't need to go back unless sent by my GP So, one down, gall bladder appointment next, but at least I know what to expect with that one!

    • PurpleFairy26
    • By PurpleFairy26 18th Jul 17, 7:30 AM
    • 2,164 Posts
    • 14,645 Thanks
    Morning all quick post before I'm away out the door. List for today:

    Chickpea curry for lunch to work, made quickly last night even though I didn't feel like it, using dawns recipe. Meant DH and I both had something for lunch and another portion for the freezer
    Slice of cake and grapes to work too
    All had overnight oats for breakfast
    Mum having smalls meaning no childcare today, must message about an extra day for one of them on Thursday though
    Check banking, surveys and FPL
    Get DH to post fleabay parcel
    Check other listings
    Got some bacon bits out of freezer and will make carbonara for tea as have some cream to use up
    Call cricket club about free ticket that was meant to come with annual pass that we want to use on Friday
    Lots of work to make rest of working week easier.

    Right, that's about it, must dash. Enjoy your day. Purps.
    • La escocesa
    • By La escocesa 18th Jul 17, 7:31 AM
    • 2,934 Posts
    • 18,576 Thanks
    La escocesa
    Hi gang

    Glad you got to your appt Dawn. Bet it's a weight off your mind hearing you don't need any treatment at this stage.

    My good NHS news is that it looks like OH has been referred to the guy he needs to see even though our GP originally told us he couldn't refer him as it's out of his boundary. Yay! Small steps.

    In other money-saving news, one of my best pals is moving from Dubai to Brussels - much closer to home and much cheaper for me to visit. I've never managed to get to Dubai but I think I can easily do Brussels with £40 flights rather than £400.

    Just noticed the time - better run and get to work......
    • Happy Kitties
    • By Happy Kitties 18th Jul 17, 8:03 AM
    • 511 Posts
    • 4,025 Thanks
    Happy Kitties
    Morning everyone

    Hugs to ally, cooties mum and CCL

    Sounds like they are on top of things dawn after your appointment. It's good they are working alongside your GP always helps alot-mine just panics!!

    Not feeling 100% still and I'm not sure if something sinister is going on with my foot and leg. Could be fighting to keep myself out of hospital on Friday but will take a packed bag just in case. He's a specialist not to be trifled with and might have to involve some bargaining.
    Sorted out the ironing pile yesterday-2 huge mount ironing everest piles. Did a little and thought doing a little and at a slow pace was better than doing none at all.........i did dodge it for awhile though
    Signed up ready for the new RM unaddressed mail survey and I start back on the panel next month.
    NSD yesterday
    Going to see my new car today and it's new adaptations to make sure everything works properly for the wheelchair. Going to do that after DD sports training. DD can drive but will be nice getting out for some fresh air.
    A small amount of paperwork to do before I go
    Just about to start cat cleaning-DD woke me up at 2am this morning, her cat had been sick everywhere and again this morning. Think a bug is going round with the cats aswell at the minute.there has been an awful lot of cat cleaning the past couple of days.
    Have a good day everyone x
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=359.51
    • determined new ms
    • By determined new ms 18th Jul 17, 10:24 AM
    • 6,834 Posts
    • 40,019 Thanks
    determined new ms
    Morning guys

    Dawn glad you're getting answers for your health worries and at the moment it's not invasive

    I hope the same for your HK x enjoy your new car x

    La E, Same for you! Fingers crossed x

    Today is day 1 summer holidays it is my firm intention for the days I am not working throughout the summer me and madam will have stay vacation days. I really want her to experience that feeling that the summer hols span an eternity full of fun memories

    Today's activity is a day out at Margate beach - which 20 mins down the road for us. Sand castles, paddling, maybe creature hunting (there's a little rock pool) & packed lunch. Ending in an hour in the arcades - I have a bag of 1ps about £1.50s worth and an ice cream it was a lovely day and I spent a total of £3.75

    Right now though madam is happy enough playing in the garden with her dolls giving me a bit of a chance to straighten up and get a few jobs done done but it's already a mess again!

    Have been to the allotment this morning for an hours tidying/hoeing. Came home with 1 courgette & 1 strawberry Have picked a cucumber and a few toms at home

    load of washing about to hung out and another in

    oh has last night's lo for lunch. I made a squash, potato and tomato bake (with white sauce and hullumi) it was so great! Am going to slice, peel and freeze rest in portions for this again

    looked up some ideas for a glut of cucumbers oh what problems to have, how lucky we are to have too much food!

    looked up ways I could save my work sandals - scuffed at the toes but don't want to buy anymore till 70% sales

    checked meal plan - hm pizza (using scraps of gammon lo & frozen) for madam & oh, hg salad and dough balls in the freezer. Will make double potion of dough and freeze 1/2 Having with coated courgettes fried mmmmmm

    quick spruce round kitchen. basic flylady lounge at some point.

    ok that'll do! Happy days guys xxx
    Last edited by determined new ms; 18-07-2017 at 6:22 PM.
    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 18th Jul 17, 11:31 AM
    • 6,834 Posts
    • 40,019 Thanks
    determined new ms
    whoop have discovered L1dl soya milk is as good in coffee as the oat milk brand I drink. 59p a ltr instead of £1 (when on offer)/£1.40
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • Twins
    • By Twins 18th Jul 17, 4:56 PM
    • 266 Posts
    • 1,177 Thanks
    Hello everyone!

    I've been AWOL recently and things have just been busy with the kids and expenses haven't stopped.
    You would think having the kids on holidays would be less expensive but in fact they just bleed you for more and more money Today would have been a NSD however DD needed £10 to buy a new pair of trainers to take to NCS this week.

    Other than that today:

    * Did 2 lots of washing and hung outside to dry
    * Made a raspberry breakfast loaf
    * All meals from home
    * Drinking lots of water from home fridge filter

    That's it for now. Got an overnight trip to Geneva on Thurs which I'm looking forward to and after that I will definitely be curbing the spending!

    Have a good evening x
    LBM April 2011 Debt £30,800 now in DMP land
    Self Managing my DMP May 2017

    Slowly chipping away at my debts: April 17 £17,388 June 17 £11,268.06
    Debt free date: Jan 2023 Dec 2022. April 2019 I will be free
    £2 Savers club #39
    • DawnW
    • By DawnW 18th Jul 17, 7:09 PM
    • 5,005 Posts
    • 39,462 Thanks
    Evening all
    HK, do take care
    La E, hope your OH is ok
    DNMS, love the sound of your day at the beach

    Had emotional daughters to deal with today My condition sounds worse / more dramatic than it is, unfortunately - I had to tell them, but thought I had kept it low key. In this instance, Google was not their friend,concerned at the younger one, who is pregnant, upsetting herself Anyway, took time to assure them that I am in fact perfectly ok

    Apart from that, lots of rushing about today:
    Small load of washing dried on the line Unfortunately these things will need ironing
    Went to sales unit to restock.Not much sold, will have to start ebaying again
    Did some shopping, used a 300 extra nectar points coupon plus another for an item I bought
    OH came back with gifted cucumber - pity I had bought one, but I do like cucumber sandwiches
    All HM meals, after yesterday's tasteless bought sandwich debacle!
    Used garden vegetables
    DD2 gave me my biscuit tin back with black and red currants inside - she has frozen loads and couldn't be doing with this small mixed batch GD was most insistent I fill it with biscuits again to take home
    Picked a few more cherry tomatoes
    Went looking at more cars today, and decided to trade out 2 old ones in for a much newer one - big outlay (despite the trade in) but will be moneysaving in that we will only have to maintain, tax and insure 2 vehicles instead of 3
    Watered front garden, still to do back, really hot and humid here today. Wonder if we will get a thunder storm??

    • little pink purse
    • By little pink purse 18th Jul 17, 8:04 PM
    • 866 Posts
    • 3,975 Thanks
    little pink purse
    Evening every one

    hugs to all that need them hope every one is well

    today managed a nsd never left the house

    checked banks and bills etc

    did ebay update

    talk soon xxx
    nsd may /10
    feb fuel and food budget £350.00

    debt total highest £66k now £65k
    FIRST DEBT TO BLAST £2142.95 /
    • FatVonD
    • By FatVonD 18th Jul 17, 9:15 PM
    • 5,119 Posts
    • 20,651 Thanks
    Evening all

    Sorry there are so many with various health problems at the moment but thank heavens for our wonderful health service and long may we keep it!

    I took in breakfast lunch and snack today, I didn't feel like cooking tonight but they had a YS pack of Tex Mex dips and I knew we had cheese at home so I bought some tortillas and we had those with melted cheese on top with dips.

    I have now been booked until the end of August which means struggling in during the refurb of Waterloo. It is a five week month which is good news for me both pay and season ticket wise and I am considering buying a first class ticket to make it more bearable. On the other hand I am thinking I should pay off as much debt as I can while I can.

    The local job I applied for (which would start in September) have emailed to ask if I want to go in for a chat. The money is a LOT less than I am earning now but it would feel more secure and I wouldn't have hefty train fares to pay. I need to do some sums.

    I got a free bottle of Zoflora today

    I was planning on picking some of the blackberries in the bushes at the end of our cottages tonight but its raining so maybe tomorrow, I saw a stranger picking them at the weekend and was most affronted I prefer raspberries but I'm sure they'll be great in muffins (it's all gone a bit muffintastic here at the moment, I have more wild strawberries too.)

    I went to Prim@rk in my lunch hour for jeans for DS, I also bought myself a new purse as the zip is broken on mine and coins keep falling out.

    Have a good evening all
    Make £25 a day in April £0/£750 (March £584, February £602, January £883.66)

    December £361.54, November £322.28, October £288.52, September £374.30, August £223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54) Total for 2017 - £2,495.10
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