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  • FIRST POST
    • determined new ms
    • By determined new ms 5th Feb 18, 6:40 AM
    • 6,857Posts
    • 40,187Thanks
    determined new ms
    What small mse things will you do this week? 05/02
    • #1
    • 5th Feb 18, 6:40 AM
    What small mse things will you do this week? 05/02 5th Feb 18 at 6:40 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
    • determined new ms
    • By determined new ms 6th Feb 18, 6:53 AM
    • 6,857 Posts
    • 40,187 Thanks
    determined new ms
    Morning Thanks for the well wishes - I did start my new job yesterday. First impressions are good

    ha ha ha on the dream FVD! V open of you to share!

    Dawn fantastic news! Fingers crossed for a swift improvement in the situation.

    Quick post as need to get going on time! I was late to work on my first day! In fairness it was due to the traffic and snow but still!

    * lunch & snacks ready - los again
    * lidl cheap porridge for b/f
    * get pork out of freezer to put in the sc tonight
    * NSD
    * cancelled audible - after getting some books last night!
    * make friends birthday cake tonight
    * will do some crafting with madam while that is in the oven
    * load of washing
    * do a titchy bit of hw to keep on top of things as wel

    ok that'll do! Have a great day
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • PurpleFairy26
    • By PurpleFairy26 6th Feb 18, 6:54 AM
    • 2,189 Posts
    • 14,816 Thanks
    PurpleFairy26
    Dawn thatís really good mews, hope he gets something more permanent soon but it definitely feels like progress.

    Weíve woken up this morning with a decent covering of the white stuff we didnít have any forecast here, so much so not only did I peg out for the first time yesterday I left the line out because I was going to do the same today having checked the weather obviously not now, so on to plan b, washing on airer, but I could do without a poor commute so letís hope it doesnít keep coming down.

    Other things:
    Not going to take my resources to work just yet, they can stay for a few more days, some look just fab and I want to get the bets out of them
    Check banking, update sheet
    Pay dividends and small cashback amount to LPDF
    Leftovers of something to work for lunch, take so,e kale crisps I made yesterday to use up bag that was going to turn and didnít fit in meal plan
    Kiwi fruit on breakfast that DH bought when they were super 6
    Hm granola for breakfast, get something from freezer for tea
    Made coffee for commute with kettle boil for morning brew
    Order some dwarf fruit trees and some raspberry canes later and possibly a blueberry Bush if I can find one that might like a tub. Any recommendations from you lovely gardening experts on either supplier or variety that do well?

    Hope everyone is ok, keep warm. Stay safe if youíve got lots of the white stuff if youíre out and about. Purps.
    • savingholmes
    • By savingholmes 6th Feb 18, 7:33 AM
    • 8,955 Posts
    • 17,009 Thanks
    savingholmes
    Small DFW
    Cancelled Audible this week £7.99 saving per month
    NSD yesterday
    Take lunches to work
    Batch cook - reuse leftovers another day
    Give hand crafted presents
    Collecting recycled glass bottles and jars for craft projects
    Today is a new day £93/310 £10 a day Mar Challenge DFD August 2021
    • carrielovesfanta
    • By carrielovesfanta 6th Feb 18, 8:50 AM
    • 1,568 Posts
    • 11,978 Thanks
    carrielovesfanta
    Morning folks

    Not really the expected evening. I really needed to get to a specific point in work but it took me til 9pm. Knackered today as I know from experience that it takes me 2.5/3 hours to wind down from work. Midnight is WELL past my bedtime.

    Will add my list as I can... I've got a big deadline today that I need to meet.

    *Charge phone in work
    *Reconcile budget sheet with OH as didn't get chance on Sunday
    *Don't have time for the gym at lunch but will go for a quick walk
    *Make a list of gardening supplies while the PC is running its algorithms
    *B/D from stores
    Last edited by carrielovesfanta; 06-02-2018 at 11:26 AM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • DawnW
    • By DawnW 6th Feb 18, 9:08 AM
    • 5,048 Posts
    • 39,843 Thanks
    DawnW

    Order some dwarf fruit trees and some raspberry canes later and possibly a blueberry Bush if I can find one that might like a tub. Any recommendations from you lovely gardening experts on either supplier or variety that do well?
    Originally posted by PurpleFairy26
    I grow one called Sunshine Blue, which is self fertile (as otherwise you would need 2, if that makes sense!). I only have room for one, so this variety seemed ideal. It is fine in a big pot, in fact unless you have acid soil, you really have to grow them in pots. It will need a big tub eventually. Remember to buy ericaceous compost for it (for lime hating plants) and best to water it with saved rainwater. I have had mine for several years now, and I THINK I got it from Thompson and Morgan. Having said this, a quick google shows me that it is a popular variety that a number of suppliers stock It is a pretty plant in an understated kind of way, easy to look after, and I get lots of blueberries each year. They do take a long time to ripen though, and you may have to throw a net or a piece of fleece over them to deter the birds from getting there before you do!

    I live in the South West, and mine seems fine all the year round outside just left as it is. If I lived further North, where the weather is likely to be colder, I would be inclined to either put it in the greenhouse if I had one big enough (which I don't) or protect it with a fleece jacket during the coldest months
    NSDs for June 7 / 10
    Groceries / cleaning / toiletries / pet food etc £136.68 / £250
    Fuel 50.01 / £100


    • DawnW
    • By DawnW 6th Feb 18, 9:21 AM
    • 5,048 Posts
    • 39,843 Thanks
    DawnW
    Hope all goes ok at work today CLF!
    And DNMS, hope your good first impressions of your new job continue to be the case

    For me today:
    Check banks and update spreadsheet (Done)
    Pack and post an ebay parcel, along with a RM surveys parcel Done
    A little bit of shopping, for which I will use vouchers or points, as I intend to have a no (money) spend day Failed on the NSD - the vouchers are in £1 units, and you don't get change. I could either sacrifice 21p change or pay 79p plus vouchers to the value of (a few) whole pounds. Would I lose 21p for the sake of NSD? Would I 'eck
    Go to sales unit while out, to see if anything needed Managed to fit a few things in, so hopefully some things have sold!
    Some cleaning Not much
    Get out in the garden later if it stays dry/ doesn't snow - just a bit of tidying up, and I may sow some broad bean seeds. The ones I sowed before have been dug up, I think by naughty blackbirds just as they came up so I will sow some in pots in the little greenhouse for transplanting when they are sturdy little plants.
    Might sow some early salads too - I have some rocket leaves ready, may sow more plus some lambs lettuce and mizuna as these are also quite hardy. These will be in pots / troughs in the greenhouse too. Managed some broad bean seeds, plus a pot of labs lettuce, then chickened out because it was so cold The troughs are full of strawberry plants which will be planted in hanging baskets next month.
    Plenty of bits in the fridge /leftovers for lunch Done
    Need to think what to do for dinner - meal planning fail Will check freezer in a minute, because with all that I have in there, I won't be buying anything else! Made 2 turkey escalope thingies into fajitas for 3
    Check for surveys later
    Minimal heating (though it is cold again today ) but will light the wood stove later

    Hope everyone has a good day
    Last edited by DawnW; 06-02-2018 at 6:59 PM.
    NSDs for June 7 / 10
    Groceries / cleaning / toiletries / pet food etc £136.68 / £250
    Fuel 50.01 / £100


    • allydowd
    • By allydowd 6th Feb 18, 9:57 AM
    • 4,149 Posts
    • 26,587 Thanks
    allydowd
    Hi February Fabulistas,

    A wee day off. Awfully scatterbrained this weekend: just cooked sausages and bread and butter....ate the bread and butter nearly forgot the sausages. Got a lot on my mind...it's a bit of a worry; usually have a mind like a razor.


    Debt Free-Nillionaire Continuity Plan Year Three:

    * Good, homemade, sustaining breakfast before I leave the house.

    * Today DW and I are having an outing: we're going to get the train to the RSPB reserve. DW can then get in free as we've come by sustainable transport. Then I'm going to cycle for about an hour along a nice flat cycle path while DW bird-watches and photogra-faffs. Will take our own snacks and coffee. Using Bike&Go of course.



    Onwards and upwards.
    Last edited by allydowd; 06-02-2018 at 10:00 AM.
    Debt-free day: 8th May 2015
    The Joy Account: £50

    Bold Bicycle Bonanza: 103.49 km
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • carrielovesfanta
    • By carrielovesfanta 6th Feb 18, 10:22 AM
    • 1,568 Posts
    • 11,978 Thanks
    carrielovesfanta
    Hi February Fabulistas,

    A wee day off. Awfully scatterbrained this weekend: just cooked sausages and bread and butter....ate the bread and butter nearly forgot the sausages. Got a lot on my mind...it's a bit of a worry; usually have a mind like a razor.

    Originally posted by allydowd

    Be careful of yourself. This was one of the big warning signs before my mini breakdown last year - I was forgetting things all the time.
    One of the big things was that I would forget words mid sentence and have to describe objects to remember the word. I'm normally very good with words, so this was a big warning sign.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • LoulaBelle
    • By LoulaBelle 6th Feb 18, 10:36 AM
    • 86 Posts
    • 106 Thanks
    LoulaBelle
    Be careful of yourself. This was one of the big warning signs before my mini breakdown last year - I was forgetting things all the time.
    One of the big things was that I would forget words mid sentence and have to describe objects to remember the word. I'm normally very good with words, so this was a big warning sign.
    Originally posted by carrielovesfanta
    Hi there - this is actually me right now - its really awful and scary - I'm looking at something and have no idea what it is called ..... I had a dizzy spell before Christmas and went to doctor it turns out my blood pressure it off the scale I'm supposed to have blood tests done
    • ziggy2407
    • By ziggy2407 6th Feb 18, 10:57 AM
    • 3,108 Posts
    • 23,728 Thanks
    ziggy2407
    Good Morning All

    Today we will:

    Check Bank & made PAD - Done
    Start a shopping list -
    Hairdresser @ home -
    Bake (while football is on tonight) -
    Purge a few emails -
    Enter a few comps -
    Surveys -
    All meals from cupboards/fridge/freezer -
    Checked: Luckyphone, Luckybob, FPL, Tombola -

    Have a great day all.

    C x
    Make £5 per day in Jan 18: £491.91/£155 Make £5 per day in Feb 18: £51.40/£140 Make £5 per day in Mar 18: £150.36/£155 Make £5 per day in Apr 18: £93.25/3150 Make £5 per day in May 18: £8/£155 Make £5 per day in June 18: £13.04/£150
    • DawnW
    • By DawnW 6th Feb 18, 11:28 AM
    • 5,048 Posts
    • 39,843 Thanks
    DawnW
    Hi there - this is actually me right now - its really awful and scary - I'm looking at something and have no idea what it is called ..... I had a dizzy spell before Christmas and went to doctor it turns out my blood pressure it off the scale I'm supposed to have blood tests done
    Originally posted by LoulaBelle
    Take care Loulabelle, and ake sure you get those blood tests done! xx
    NSDs for June 7 / 10
    Groceries / cleaning / toiletries / pet food etc £136.68 / £250
    Fuel 50.01 / £100


    • carrielovesfanta
    • By carrielovesfanta 6th Feb 18, 11:28 AM
    • 1,568 Posts
    • 11,978 Thanks
    carrielovesfanta
    Hi there - this is actually me right now - its really awful and scary - I'm looking at something and have no idea what it is called ..... I had a dizzy spell before Christmas and went to doctor it turns out my blood pressure it off the scale I'm supposed to have blood tests done
    Originally posted by LoulaBelle

    Take care of yourself Loulabelle - I was getting dizzy spells, heart flutters, forgetfulness, crying all the time etc and it was all down to stress
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • Happy Kitties
    • By Happy Kitties 6th Feb 18, 2:30 PM
    • 525 Posts
    • 4,098 Thanks
    Happy Kitties
    Afternoon everyone.

    Back after a very good but expensive weekend so belt tightening until the end of the month.
    Banking all checked, bills paid and everything up to date.
    Snowing this morning and needed to do a cat food shop. Bought extra as there were 6 can packs reduced in Mr T, I think an end of line product so bought 3 extra packs and saved £4 in the process.
    Waiting for quidco monies to drop into my account and also a refund on a dress I have sent back.
    DW on a quick wash
    Meeting tonight, in one of those cant be bothered moods but will be okay when I am there.

    While buying cat food I also bought extra bits ready to make a slow cooker chilli. I forecast one of those situations where u remove something out of the freezer thinking u have freed up some space, make meals and then end up putting more back in than you started with!!

    Foxgloves-I love hearing about the cat adventures.
    LoulaBelle-definitely make sure you get those tests done

    have a great day everyone x
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=359.51
    • foxgloves
    • By foxgloves 6th Feb 18, 2:50 PM
    • 4,090 Posts
    • 21,168 Thanks
    foxgloves
    Hi Snowy Savers,
    PurpleFairy, you've had our snow!! We were expecting more than the icing sugar dusting we had over night & you weren't expecting any, so it must have fallen a little more to your side of the region. Having said that, a few flakes are just starting up again now.
    DNMS - Good luck with the new job.
    All our stressed people on here at the moment - Take care of yourselves. It WILL lessen if you put yourselves first for a little while until you start feeling better.
    Dawn - Good news about the progress on your living situation.
    Today hasn't turned out as planned. I was expecting workmen but one of them phoned in sick & so we have dropped off the list today. Never mind. I replacing 'workmen monitoring' time with decluttering & a bit of baking. So today's small things:
    *Laundry done overnight on timer to make use of the cheap electricity tariff. All on heated airer now & washer re-loaded for another cheapo wash tonight.
    *Bake bread (on its 2nd proving)
    *Bake muffins - not done yet but have more or less decided they will be apple & cinnamon.
    *Continued decluttering - found heaps of nice unused postcards from the 2 places we will be staying this year, so no need to buy any new ones as I shall take these with me. Also found quite a lot of unused envelopes without cards or notelets, so I could maybe be tempted into making a few cards this year. I'm not really a cardmaker, but seems a shame to waste them, Some are a nice green colour so could be quite festive.
    *Entered a prize draw.
    *Did a few surveys including 2 Prolific Academic which will put my total up to over £27. Think I will try to earn a bit more this month & then cash it out.
    *Checked online banking. Refund from Sainsbury's overcharge is now there. Cheque has also landed, so paid tht across to LPDF - it should really have gone to a CC, as it was a work expense mr f had to claim back, so I am hoping I shan't need to whip it back out & into CC account, but I have that option if necessary.
    *Wrote a letter & used a pretty recycled envelope.
    *Used a free sample of expensive serum......& I can honestly say it felt no better than my usual products, so I shan't be tempted to get spendy on that!
    *Knit later - I'd like to get up to the armhole markers but it's slow work. It only seems so slow because it's cold & this garment is sort of a big jumper with a cowl neck, but kind of a bit poncho-y too in that it has very pronounced baggy dropped shoulders. It's just what I want to be wearing this cold weather.
    OK, a little more decluttering - it's brilliant for reducing stress levels, isn't it? I think it must be to do with only spending time on those things we can actually influence/control. My mind is feeling tidier the clearer my little HQ room looks!
    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 = £259
    • foxgloves
    • By foxgloves 6th Feb 18, 7:37 PM
    • 4,090 Posts
    • 21,168 Thanks
    foxgloves
    P.S Made a Hairy Biker curry recipe tonight - it's a veggie one made primarily from red lentils & butternut squash & we love it. The only ingredient I needed to buy the first time I made it was asofoetida as everything else is either store cupboard stuff or fresh veg. It's v easy & makes 4 substantial portions so some to freeze for another week.
    Mr f has just brought Cat a slice of ham. Not money saving at all, as Cat had already gobbled his dinner!
    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 = £259
    • linz
    • By linz 6th Feb 18, 7:45 PM
    • 1,597 Posts
    • 4,380 Thanks
    linz
    brrr am sat here with a big norwegian fleece and neckwarmer on under a blanket. Am annoyed with EDF as they have told me they are refunding me the £63 I am in credit with them and increasing my bills by £12 a month. Yes, the credit I'd built up was dwindling but spring is also coming so I was hoping to switch the heating off totally by the time my credit had run out. So it's on for 30 mins in the morning and an hour in the evenings at the moment I think, as I refuse to let them think they're justified in increasing my bills when my reading's haven't increased.

    I tend to put the electric blanket on 30 mins before bed so it's toasty when I get in, then it goes off again

    The hairy biker curry sounds really nice, i'll be looking that one up. Love lentils and butternut squash. I also like to have one or two cheaper, meat-free meals a week.
    • FatVonD
    • By FatVonD 7th Feb 18, 12:55 AM
    • 5,119 Posts
    • 20,652 Thanks
    FatVonD
    Purps, if you have any you can exchange Mr T Clubcard vouchers for Thompson & Morgan ones.

    Foxgloves, I totally agree re the decluttering, I need to get on top of stuff again.

    DNMS, glad that first impressions are good at your new job.

    No snow here but had to use the deicer on my windscreen when I left work tonight. I am wearing my fleecy pyjamas and have just been round closing the air vents on all the windows, I can't believe it's taken me two years to realise they were there but onwards and upwards, maybe my heating bills will go down now!

    Lunch today was a YS sandwich and some crisps that were on special offer, I saved half of both for my break. Dinner wasn't especially cheap as I bought crispy duck pancakes and a Chinese snack selection but still cheaper than a takeaway.

    I tackled my boss about the blame issue and told her I'm not happy at being blamed for stuff I haven't done. In my absence she has worked out what I told her in the first place, that the item had been out of stock all day as the delivery had got mixed up with another department's stock so she now believes what I told her in the first place. I listed two other occasions where I've been prime suspect for something that I hadn't done and she assured me she doesn't think I am the culprit.
    Last edited by FatVonD; 07-02-2018 at 1:04 AM.
    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
    • PurpleFairy26
    • By PurpleFairy26 7th Feb 18, 7:13 AM
    • 2,189 Posts
    • 14,816 Thanks
    PurpleFairy26
    Morning all

    Thanks for the tips on the fruit bushes and the Te5co vouchers. I will have a look at all of those, I realised yesterday after my list I didnít want to order this week as weíre away at the weekend and I donít know how long it will take so I will order next week. Plus big thing happened at work which I need to fix (not my doing) feeling those resources may be staying a while longer

    List today:
    Pay interest from high interest accounts to LPDF
    Check banking
    Something from freezer for tea
    Out for lunch with a colleague from a competitor, sheíll treat me
    Keep on top of washing
    Ring vet about appointment for cat follow up next week, must call insurance company about query I have on their form for a payment for his last treatment
    Quick tidy round so I donít have too much to do tomorrow before we go away
    Read martins e mail
    Check fridge for anything that needs using up/freezing

    Right off for coffee
    • allydowd
    • By allydowd 7th Feb 18, 9:15 AM
    • 4,149 Posts
    • 26,587 Thanks
    allydowd
    Hi February Fabulistas,

    I have to go to work later but am trying to fit in some constructive stuff before I go to take my mind off work stress:


    Debt Free-Nillionaire Continuity Plan Year Three:

    * Good, homemade, sustaining breakfast.

    * Work very hard on my own mental health issues. Do Day 8 of App.

    * Check online banking.

    * Turn off alarm clock until tonight, it resets itself automatically.

    * Get some exercise.

    * Clean the house with Stardrops and washable cloths.

    * Back up Finances spreadsheet into cyberspace.

    Onwards and upwards.
    Last edited by allydowd; 07-02-2018 at 11:48 AM.
    Debt-free day: 8th May 2015
    The Joy Account: £50

    Bold Bicycle Bonanza: 103.49 km
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • DawnW
    • By DawnW 7th Feb 18, 10:03 AM
    • 5,048 Posts
    • 39,843 Thanks
    DawnW
    Morning all
    Very cold again, and the thermal t shirt thing I bought last year is being put to good use under my fleece top!

    Today's list:
    Check banks and update spreadsheet
    Tidy up/ do some cleaning (started)
    Audit of fridge stuff, lots of veg will go in the chilli I intend to make later. Will think about chopping and freezing any remaining lurkers.
    Not intending any spends today
    Might get out in the garden for a little while later, and do a bit of clearing up of leaves etc. It is nice to see the spring bulbs coming up
    Check for surveys later

    Hope everyone has a good day
    NSDs for June 7 / 10
    Groceries / cleaning / toiletries / pet food etc £136.68 / £250
    Fuel 50.01 / £100


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