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  • FIRST POST
    • determined new ms
    • By determined new ms 8th Jan 18, 7:32 AM
    • 6,859Posts
    • 40,212Thanks
    determined new ms
    What small moneysaving things will you be doing this week? W/C 08/01/18
    • #1
    • 8th Jan 18, 7:32 AM
    What small moneysaving things will you be doing this week? W/C 08/01/18 8th Jan 18 at 7:32 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
    • foxgloves
    • By foxgloves 9th Jan 18, 4:19 PM
    • 4,108 Posts
    • 21,266 Thanks
    foxgloves
    Hi Friends,
    FVD - Thaks for flagging up the offer on the Felix - that's the only kind of food my big naughty jelly licker can't get the jelly off, so it's a winner for us too.
    CCL - It was similar with my Dad's funeral, such a long time to wait, & I felt as though the start of the 'healing process' was delayed along with it.
    Dawn & CLF - Totally agree on subject of food banks. I re-read 'The Ragged trousered philanthropist' recently & despite it being written before the first world war, attitudes about 'deserving' & non-deserving' poor are becoming very entrenched again. Anybody, ANYBODY can have a run of awful luck which leads to life becoming hugely chaotic for a while. I was chatting to a Big Issue seller in Nottingham before Christmas & he said there were 3 difficult things which happened in his life simultaneously which had resulted in homelessness. The 3 things were problems which could happen to any of us. Despite my personal view being that Brexit will tank the economy, we are currently still one of the wealthiest countries in the world & there should be nobody unable to buy basics such as food, a toothbrush, sanitary products, etc. Grrrrrr.....this country!!
    Anyway, only a small list today. Two meetings this morning & have been working hard on a research project I promised to do for some local politics I'm involved with but have not been spendy:
    *Did not manage to get street parking this morning so reluctantly had to pay £4.50. Made sure I went straight home after my meetings instead of getting tempted by coffee shops, which involve walking past 'Monsoon', etc.
    *Lunch was more of the lovely leek & potato soup I cooked yesterday. A cheap warming bowlful!
    *Make tomorrow's packed lunch.
    *Found a pot of leftover almonds in the top of the larder, so they will do a couple of days of free snacks.
    *No downstairs heating on as have been out, then working at my desk upstairs.
    *Ziffit emailed to say they have checked all 3 boxes of our traded items & will be paying up in full. Yay! Straight to the savings pot, which badly needs replenishing after last year.
    *Continue knitting sleeve. Much quicker than normal sleeves as this jumper has such dropped shoulders that the sleeves don't need to be very long at all. It's my Christmas present yarn & I love it so much, I keep on stopping to stroke it, which slows down actual knitting!
    *Overnight laundry drying on heated airer. I don't think I shall need to do another load this week, which is money-saving in itself.
    *Dinner as per meal plans - spicy Chinese-style rice using some of the rubber pork I divvied up yesterday.
    Not an outstandingly frugal day by any means, but could have been worse. Must go...can hear cat doing something involving claws :-/
    F xx
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = £470-01
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £304 2018 = £259
    • onedaysomeday
    • By onedaysomeday 9th Jan 18, 5:04 PM
    • 520 Posts
    • 742 Thanks
    onedaysomeday
    I will be bringing packed lunches for work from home and avoiding expensive coffee shops, replacing with instant coffee! Money saved straight away
    Just trying to make up for past mistakes and work towards the future I want
    • 1LuckyLady
    • By 1LuckyLady 9th Jan 18, 7:09 PM
    • 838 Posts
    • 7,733 Thanks
    1LuckyLady
    I will be bringing packed lunches for work from home and avoiding expensive coffee shops, replacing with instant coffee! Money saved straight away
    Originally posted by onedaysomeday
    That's great, when I first met my dh, he used to get a Boots meal deal most days, saved a small fortune when I showed him that it was costing him about £700 a year or something like that! He looks on at his colleagues now and can't believe how much they're all spending as its not just the meal deals now its the costalot on the way into work and on the way home too!
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • Lottebear
    • By Lottebear 9th Jan 18, 8:18 PM
    • 783 Posts
    • 3,597 Thanks
    Lottebear
    Hello All,

    Today I have

    - Picked up as reduced price salad for lunch, better to the cheap if I am being lazy.
    - Transferred money to savings
    - Made a small payment against CC
    - Topped up pension
    - Found 1p roadkill
    - DD has won a birthday party for her and 9 friends, not MSE as I had already booked a party, but it will be nice to have another party and share her birthday with her friends. I love a competition win.
    - Dinner from stores, I am trying to cut down today.
    • determined new ms
    • By determined new ms 9th Jan 18, 8:20 PM
    • 6,859 Posts
    • 40,212 Thanks
    determined new ms
    Hi guys just popping my head round the door to say hi. Really not anything of any value to add! I did stick to my usual frugal ways - although I did buy some more fruit & veg from A1dis and also some freezer bags in HB my life heading towards once a week cooking is still progressing!

    I've updated my spending diary and written down something I saw today and wanted. I'm doing the 72 hour rule as per UFM. But I very much suspect I will get this item. They are heart shaped bowls which I have been after for a while and they are £1.50 each

    my dbs has now been sent! have emailed my new boss to discuss a starting date
    Last edited by determined new ms; 09-01-2018 at 8:24 PM.
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • FatVonD
    • By FatVonD 9th Jan 18, 8:32 PM
    • 5,119 Posts
    • 20,652 Thanks
    FatVonD
    CCL and Foxgloves, it's the only one mine finish the plate of!

    1LL, once upon a time I would buy a hot chocolate, a slice of cake and a packet of crisps every morning at Star*ucks, a fiver before 10am!

    Since we're on the subject of lunches, (welcome, onedaysometime!) my favourite at the moment is panini with salami, cheap mozzarella, olives and sun dried tomatoes. It's better grilled at home but still okay done in the microwave at work. I've bought a pack of four to make them tonight to freeze for the next four days but I'm replacing the olives and tomatoes with pesto this time

    The shepherd's pie was lush, there is enough left of tonight's one for tomorrow for DS while I'm at work and I have another cooling before going in the freezer.

    I did all my various trips today and sorted some paperwork, I couldn't start my new accounts book though as there are some invoices etc. I need to print out.

    Dawn, that is a very generous donation, I usually just buy a tin of own brand chilli! I sneaked a peek in the Waitrose food bank collection bin when I was in there with my mum yesterday, it was full of sweet things, mostly biscuits and muffins!
    Last edited by FatVonD; 09-01-2018 at 8:36 PM.
    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
    • little pink purse
    • By little pink purse 9th Jan 18, 8:35 PM
    • 866 Posts
    • 3,975 Thanks
    little pink purse
    evening every one

    been miss a few days managed a few extra shifts
    money saving hubby managed to reduce sky by £20 a month
    and get more channels hes well please
    pay day Thursday never been this skint in a while

    better go tidy up

    keep warm and well xxxlppxxxx
    nsd may /10
    feb fuel and food budget £350.00

    debt total highest £66k now £65k
    FIRST DEBT TO BLAST £2142.95 /
    • vickthestick
    • By vickthestick 9th Jan 18, 9:29 PM
    • 192 Posts
    • 1,526 Thanks
    vickthestick
    Has anybody used YNAB? I've just signed up to their 34 day free trial but it's no5 what you'd call intuitive!
    And Determined, how have you manage to Womble so much already? I'm new to the Wombling thing. Do tell!
    Last edited by vickthestick; 09-01-2018 at 9:29 PM. Reason: Typo
    Womble #9 2018 £0 / Roadkill £0
    Loan £175.40 /month until October 2018 Loan £312.21 /month until April 2025
    • mumofthetwins
    • By mumofthetwins 9th Jan 18, 9:51 PM
    • 1,038 Posts
    • 4,021 Thanks
    mumofthetwins
    Goodish day for me today money wise .. however DS fell down the train station steps this morning going to school, his brother even carried him back to my dads who him to hospital then called me at work to tell me once he knew DS was ok (at least I know they will look after each other when they need to lol)
    He is now on crutches and keeping topped up with pain killers !!!128532;

    Money wise
    Made my PAD of £6 and managed to pick up a couple of YS packs of steak for 70p before weight watchers !!!128521;
    I have taken out some mince to make some scotch eggs tomorrow for this weeks lunches and am sitting thinking will I take out some chicken to batch cook some curry or not ?? I do have a few bits to use up so might be better using that first.
    I am planning a NSD tomorrow and going to did out my workout dvds as the cold I have had for weeks seems to be on it's way out now .. whoop

    Hope everyone has had a fab day ... a whole new day and whole fresh start tomorrow !!!128512;

    Lisa x
    DFW
    June £1280/£19500 Murphy £500/£500
    May £3085/£23042
    April £1266.27/£25843.54 STF £1500/£1500
    MFW OP 2018 £400
    • DawnW
    • By DawnW 9th Jan 18, 10:00 PM
    • 5,057 Posts
    • 39,925 Thanks
    DawnW
    time

    Dawn, that is a very generous donation, I usually just buy a tin of own brand chilli! I sneaked a peek in the Waitrose food bank collection bin when I was in there with my mum yesterday, it was full of sweet things, mostly biscuits and muffins!
    Originally posted by FatVonD
    Not particularly generous, as I don't do direct debits to charities, as when I did I found that they were always phoning up to ask for more. This way, I can give a little and it stays on my own terms with no hassle. It was my New Year's resolution, to put £5 worth in the trolley each month. If you think about it, it is just the price of a couple of coffees (not that I buy coffee out much, but you know what I mean). Sometimes the food bank appeal on their FB page for specific things (teabags are a particular favourite), but if not, I tend to make a bit of a game of it, to try to make the money go as far as possible Nobody should have to go without food

    A tin of chilli is a great idea btw - I will have a look next month when it is time to donate again
    NSDs for June 10 / 10
    Groceries / cleaning / toiletries / pet food etc £227.30 / £250
    Fuel 99.95 / £100


    • fatrab
    • By fatrab 10th Jan 18, 7:22 AM
    • 852 Posts
    • 2,236 Thanks
    fatrab
    A small thing sprung to mind last night which is more micro-moneysaving but hopefully still counts.

    At the start of January, as you do, I made 4 little challenges to myself. These weren't financial challenges, just something to do for a bit of self improvement/fun.

    1. No F'book
    2. No alcohol
    3. No take aways
    4. No shaving

    I've never grown facial hair before. I usually give in after 3 or 4 days.

    But that got me thinking, how bloomin' expensive are razor blades? Shave less often, use less blades, save money!

    Unfortunately my darling beloved wife doesn't like the bristles! Still, managed 9 days so that's a third less wear on the razor so far this year!

    Still not been on fb, consumed alcohol on the 5th, had a takeaway on the 5th (anyone spot a pattern there?), shaved last night. No take aways or alcohol since the 5th either!
    Last edited by fatrab; 10-01-2018 at 7:28 AM.
    You can have results or excuses, but not both - Wannabe debt free by Dec 2022
    June's targets - Be 15st by end of month, 19/30 AFDs
    39 x £2 coins (#32)
    • foxgloves
    • By foxgloves 10th Jan 18, 7:57 AM
    • 4,108 Posts
    • 21,266 Thanks
    foxgloves
    Morning Money Savers,
    Not much time for myself today as I have a meeting tonight & need to put as much effort as possible into finishing the research project I agreed to do for local political thing I'm involved with. This is taking a LOT of work but I think I'll be pleased with the results. On today's small list:
    *Bake bread.
    *Make tomorrow's packed lunch.
    *2 baths from 1 lot of hot water.
    *Fill in calorie tracker book - already noticing food lasting longer now we have stopped being fat nackers & have resumed weight loss campaign.
    *Enter a prize draw.
    *Do Ipsos survey.
    *Finish knitting sleeve later on if time.
    Fatrab - I agree that the 'micro' things add up over a year. My partner is always going off on one about the price of razor blades....fortunately I like stubbly blokes! I do all sorts of tiny energy saving things which I hope add up to savings over time i.e Switching off the iron & pressing final garment using just residual heat & only boiling sufficient water in the kettle for coffee instead of paying to heat half a kettle full for just 1 mug.
    Have a good day all. Must go & get that bread dough started.
    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 = £470-01
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £304 2018 = £259
    • DawnW
    • By DawnW 10th Jan 18, 8:27 AM
    • 5,057 Posts
    • 39,925 Thanks
    DawnW
    Morning all
    OH had a good session at the osteopathy / physio clinic yesterday. They examined him, studied his MRI and xray results, and made it clear that his condition can be treated and is not permanent. My own research had told him just the same (NHS and medical school web sites, not purveyors of magic pills - I am a researcher by training!) but he didn't really take that on board. Anyway, his mood is much lighter, and he will start his treatment proper on Friday

    Anyway, I have the dentist this morning, so a spendy day
    Found a nice pink fleece top in a CS, £5, but nearly new. Also bought more painkillers for OH, a new toothbrush for me and a small white cabbage - the glamour
    Apart from that:
    Dog walks, OH may do one He did both They only went round the block, but often that is all the lazy dog wants to do anyway - he prefers to tear around the house while we throw his toys for him while it is cold outside
    Not much cooking needed, as I have soup and sweet and sour pork made yesterday
    Will make some blue cheese and walnut scones to use last of Xmas / NY stilton though! Done, also found a very much OOD jar of Dulce de Leche (can't even remember when I bought that, or why ) so tried some of it it in a crumble with a couple of shrivelled apples from the fruit bowl - I will report back!
    Must do some cleaning today Cleaned the kitchen - it was sunny when I got back from the dentist's and it looked awful
    Check banks Still to do
    Check for surveys (not doing well at this atm) A few for onepoll
    List some things on ebay if the light is good enough to take photos Not done
    I need to do a job in the garden that requires it not to be wet or windy - wonder if today will be the day? Yes, winter wash stuff put on my little fruit trees

    Anyway, best get ready to head off to the dentist
    Last edited by DawnW; 10-01-2018 at 6:00 PM.
    NSDs for June 10 / 10
    Groceries / cleaning / toiletries / pet food etc £227.30 / £250
    Fuel 99.95 / £100


    • onedaysomeday
    • By onedaysomeday 10th Jan 18, 8:59 AM
    • 520 Posts
    • 742 Thanks
    onedaysomeday
    Morning Everyone!

    Beans on toast for my lunch today I think as I forgot to prepare anything better in advance!
    Hauling lots of stuff home today as I've been flat sitting for 2 weeks and I did debate getting a taxi to take it all home but I have decided to be good and just split it in manageable amounts and do more than one trip!
    Having to spend £3 today (shocker! ) as our running club pays to use an athletics track once a month but considering its the only thing we really ever pay for I don't mind paying £3

    Hope everyone has a great day!
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 10th Jan 18, 9:01 AM
    • 520 Posts
    • 742 Thanks
    onedaysomeday
    That's great, when I first met my dh, he used to get a Boots meal deal most days, saved a small fortune when I showed him that it was costing him about £700 a year or something like that! He looks on at his colleagues now and can't believe how much they're all spending as its not just the meal deals now its the costalot on the way into work and on the way home too!
    Originally posted by 1LuckyLady
    Yeah we have a rice and noodle van that does really nice and actually quite healthy large tubs of rice for a fiver. I used to try and kid myself I could make two meals out of it but I'd eat about half and then throw the rest away or keep it and forget to eat it. Add on a coffee and it was costing me at least £8.00 everytime I chose that for lunch! Scary stuff
    Just trying to make up for past mistakes and work towards the future I want
    • carrielovesfanta
    • By carrielovesfanta 10th Jan 18, 9:04 AM
    • 1,577 Posts
    • 12,073 Thanks
    carrielovesfanta
    Morning folks

    A bit sleepy as didn't get home til 10 but very much enjoyed the film. Seems to me that there's a lot of poor reviews on IMDB from people who were disappointed that it wasn't the film they expected, but having gone in with an open mind, I was fine with it. No spends except a couple of coffees before the film as OH struggles to wait somewhere by just loitering.

    Bit annoyed with/worried about OH as I'm not convinced that he ate anything yesterday, or maybe that he ate junk and binned the evidence. He certainly didn't eat what I left him. Oh well, you can lead a horse to water and all that...

    So today's mission:
    • B/L/D from stores (at least for me!) - done
    • Charge phone in work
    • Crochet
    • No alcohol
    • Brisk walk at lunch time to get the blood flowing - done
    • Book Asda shop for click and collect - done
    • Write out meal plan
    • Take cash out for physio app tomorrow
    • Might update the budget spreadsheet. Would normally wait for OH but I feel a tad twitchy about it.
    Not much at the mo

    Have a good one all

    clf x

    PS: Foxgloves - did you see my question about the onion sets last week? Any ideas? Thanks x
    Last edited by carrielovesfanta; 10-01-2018 at 1:06 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • FatVonD
    • By FatVonD 10th Jan 18, 10:51 AM
    • 5,119 Posts
    • 20,652 Thanks
    FatVonD
    Dawn, I know that tea bags are the one thing I would be climbing the walls if I didn't have! My local dog rescue post a similar list so I've been buying up all the suitable reduced cheeses for them as they use it for treats.

    Back to work today for 4 days this week, I can't wait to go back to three days, the extra money will come in handy but I deliberately worked out my hours there to keep me under the tax threshold.

    Plenty of Shepherds pie left over for dinner tonight and panini sorted for lunch courtesy of yesterday's shopping trip.

    I have sorted out the receipt to return a couple of things to work (a bed cover and a culotte suit that makes me look like an overgrown toddler!)

    I have turned the thermostat down as its near the front door which is always colder than the rest of the house so doesn't bear any relation to the temperature upstairs!

    Must clean fish and cat litter before work.
    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
    • determined new ms
    • By determined new ms 10th Jan 18, 11:19 AM
    • 6,859 Posts
    • 40,212 Thanks
    determined new ms
    Hi guys - opps I really should get on and do some of the things I need to! I have spent the last couple of hours working out oh's gifts for his birthday/our 10 year anniversary (15th/16th Feb....) I've decided - uncharacteristically - to be generous and do a "year of dates" box - with 12 individually wrapped date. I've made a start on thinking what they can be and things I'll need to get etc

    That has meant I've wasted half of my day! So now need to get cracking:

    * tidy up/flylady
    * go for a run
    * nip to sains to see if they have tights for madam for ballet - might actually just do it afterwards on way home and she can make do with socks this session - saves on petrol
    * in conversation with my new manager re start date - eek so exciting!
    * jacket pots for tea - will cook some broad bean chips while the oven is on
    * knitting/reading etc this evening
    * snacks ready for ballet run!

    ok better dash

    oh vickthestick my wombling total is high because oh got a hamper from a contact through work (should have got it before xmas but his boss was being a bit weird - that's a whole other story!) that (allegedly) costs £120 retail

    Dawn glad to hear there's an improvement for dh x
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • vickthestick
    • By vickthestick 10th Jan 18, 12:43 PM
    • 192 Posts
    • 1,526 Thanks
    vickthestick
    Determined, that's good that you got that hamper
    And FatRab, razors must be expensive because a policeman told me a couple of years ago that it was the most shoplifted item!
    Just back from hospital - DH has all clear from colon cancer and no need to go back for five years. However, looks like the chemo has damaged his bones and he now needs a referral to orthopaedics! As a special treat, I am allowing him to eat his soup and homemade bread in front of PMQs rather than going to Waitrose for a 'free' coffee and lunch whilst reading Motorcycle News - he's such a spendthrift!
    Womble #9 2018 £0 / Roadkill £0
    Loan £175.40 /month until October 2018 Loan £312.21 /month until April 2025
    • fatrab
    • By fatrab 10th Jan 18, 12:54 PM
    • 852 Posts
    • 2,236 Thanks
    fatrab
    Hahaha I'd heard that too!


    I'm off shopping today so will try the downshift challenge, I have a budget in mind for what's on my list so will see how that goes....


    Thankfully I don't need new razor blades yet!


    Glad to hear your good news!
    You can have results or excuses, but not both - Wannabe debt free by Dec 2022
    June's targets - Be 15st by end of month, 19/30 AFDs
    39 x £2 coins (#32)
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