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  • FIRST POST
    • determined new ms
    • By determined new ms 9th Apr 18, 6:19 AM
    • 6,906Posts
    • 40,515Thanks
    determined new ms
    What small DFW things will you do this week - w/c 9th April?
    • #1
    • 9th Apr 18, 6:19 AM
    What small DFW things will you do this week - w/c 9th April? 9th Apr 18 at 6:19 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 1
    • determined new ms
    • By determined new ms 9th Apr 18, 6:59 AM
    • 6,906 Posts
    • 40,515 Thanks
    determined new ms
    • #2
    • 9th Apr 18, 6:59 AM
    • #2
    • 9th Apr 18, 6:59 AM
    Morning been up an hour and couldn't wait any longer for a new thread

    Am off now until Saturday Planning to make the most of the week with madam today we are going roller skating - and will use discount card (we get for being kinship carers) and carers go free so total cost for today will be 4 plus an icecream should be a laugh as usually it's 2 of us going with her!

    Will take lunch, drinks and snacks with us

    opps decided to postpone this until tomorrow when the weather is better! Instead having a home day. Going to bake a cake and do a jigsaw puzzle in a bit hoping to get madam out on her balance bike but she's lazy!

    house is a bomb so going to need to spend some time tidying! Will do that first thing, once the house is awake.

    check banking & update spending diary

    will be having freshly picked purple sprouting broccoli with dinner (ys joint of beef ) - I nipped to the allotment on my way home from work yesterday

    oh will be taking los for lunch

    hang up washing - on dryer weather's not too dry-y today! another load in machine ready to be washed. Currently pre soaking a top with a stain in WUL

    sow seeds - that is it this is happening today! Am really behind...

    free exercise & singing exercises

    wasting time on refashion p0rn spending time looking at blogs about refashioning....

    have taken up a tshirt. I love the pattern but it sits too long on my titchy frame. Have used a top I like the length as a template and pinned ready to sew Also dug a jumper I was sending to the CS out of the bag as am going to make it into a cardi

    madam had pancakes for lunch I made a salad as I saw there was some tuna in the fridge that needed using boiled 3 eggs & put 2 in the fridge for tomorrow/weds

    onepoll - it's so slow for me these days maybe 1 10p poll a day
    Last edited by determined new ms; 09-04-2018 at 12:55 PM.
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • PurpleFairy26
    • By PurpleFairy26 9th Apr 18, 9:30 AM
    • 2,276 Posts
    • 15,389 Thanks
    PurpleFairy26
    • #3
    • 9th Apr 18, 9:30 AM
    • #3
    • 9th Apr 18, 9:30 AM
    Morning all

    Today's plan:
    Working from home, although I have an electrician here so not sure how much I will actually get done. May go to the gym if it's too noisy
    Something out of freezer for tea
    Check banking
    Check surveys
    Check nothing in fridge needs going in freezer
    Bake sourdough
    Buy some uht milk so I can make yogurt
    Opticians appointment, no charge as I have a plan thing with them
    Order dd new school cardigan
    Watch something on tv with DH tonight
    Do packed lunches for tomorrow
    • mumofthetwins
    • By mumofthetwins 9th Apr 18, 9:58 AM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    • #4
    • 9th Apr 18, 9:58 AM
    • #4
    • 9th Apr 18, 9:58 AM
    Morning guys .. it seems like you've all been busy this rather chilly Monday morning


    i started this morning by cashing out my ebay sales from the weekend and that along with the 5 scratch card i found in an old bag has taken my bedt busting of cc into the 5000s .. yay !!
    I am sooo chuffed i have managed to pay off 905.53 from my LBM easter weekend


    so back onto todays plans


    * Only at job#1 today but out all day so i have warned the boys in advance not to eat all the food in the fridge and grab a sarnie and yogurt for lunch .. not expecting them up early enough for brekkie lol
    * I plan to cash my scratch card in on the way home from work
    * Meals all planned for the week and dinner taken from the freezer for tonight
    * I need to update savings / banking diaries
    * I have a docs apt after work but going to get off the train the stop earlier (where docs is) the walk home .. good for saving my s and losing some lbs
    * I may list a few more ebay bits if i get time .. big if as i have a few chores to do tonight but fingers crossed.


    So i hope everyone has a marvellous Monday and a very prosperous week ahead


    Lisa x
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
    • carrielovesfanta
    • By carrielovesfanta 9th Apr 18, 10:04 AM
    • 1,661 Posts
    • 12,733 Thanks
    carrielovesfanta
    • #5
    • 9th Apr 18, 10:04 AM
    • #5
    • 9th Apr 18, 10:04 AM
    Morning folks!

    Thanks to DNMS for starting us off
    Excellent debt busting there mumofthetwins!

    The freelancer is gone, the sun is shining through the mist, and I kept off the sugar all day!

    Finances looking very ropey - grocery budget does not look good considering we are only 1 week in and I've spent almost all of it! We seemed to run out of loads of things at once and I had to get all the cake ingredients and a Bulk Powders order. I really need to try and stretch what we have left. There's lots of veg and carbs, just need meat probably.

    Today's mission:

    • B/L/D from stores
    • Snacks as planned
    • No sugar
    • No booze
    • Remind OH to send invoices
    • Charge phone in work
    • Gym at lunch time - have been feeling weird about the gym recently and I think I've been putting too much pressure on myself to "perform". sometimes the win is just getting moving, and I need to relax and try and enjoy it. - done. Not a bad session.
    • Nip into the garden later and check things. I actually ate my tea out there yesterday evening!
    • Sew in crochet ends - I didn't do this yesterday
    • Free stretching video
    • Email organisers about a car boot sale spot on Sat - done. awaiting a reply....
    • Relax and be fabulous
    Have a good one all

    clf x
    Last edited by carrielovesfanta; 09-04-2018 at 2:46 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 9433.44
    • allydowd
    • By allydowd 9th Apr 18, 12:01 PM
    • 4,227 Posts
    • 27,125 Thanks
    allydowd
    • #6
    • 9th Apr 18, 12:01 PM
    • #6
    • 9th Apr 18, 12:01 PM
    Hi April Awesomees,

    Another lovely day off.


    Debt-Free-Nillionaire Continuity Plan Year Three:

    * Work very hard on my own mental health issues. Do Holistrio App. Yup

    * Check online banking and broadband usage.
    Yup

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

    * Still seeking out a cheap corded speaker to use with secondhand portable DAB radio I purchased.
    Yup

    * Shopped with DW. Spent 5 Morrisons More card reward.
    Yup

    * Haven't showered yet as we're going to the pool/sauna/steam and I can do it there. DW used discount card saving us 1.70.
    Yup

    * Homemade burger for lunch with homemade spicy ketchup.
    Yup

    * We have bought a cheap 3-in-1 toastie/waffle maker/grill. Hoping to use this to spice up our life a bit. Tired of eating the same stuff week-in-week-out. Also, we can take it with us when we go to B&Bs and suchlike and use it to cook snacks.
    Yup, made lunch with it.

    * Second attempt at making waffles. Success!


    To live without risk is to risk not living.
    Last edited by allydowd; 09-04-2018 at 6:49 PM.
    Debt-free day: 8th May 2015
    The Joy Account: 50

    Bold Bicycle Bonanza: 136.35km
    Run for Sanity: 25.25km

    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • allydowd
    • By allydowd 9th Apr 18, 12:02 PM
    • 4,227 Posts
    • 27,125 Thanks
    allydowd
    • #7
    • 9th Apr 18, 12:02 PM
    • #7
    • 9th Apr 18, 12:02 PM
    MONEY MAKING AND SAVING SITES AS OFTEN MENTIONED IN THIS FORUM:

    • Benefits check-up (Link)
    • Coupon Shop Forum list of money-off coupons (Link)
    • Cooking On A Bootstrap, cheap recipes. (Link)
    • eBid (Link)
    • Freecycle (Link)
    • Freegle (Link)
    • Free Postcode Lottery( Link )
    • FreeStuff (Link)
    • FreeUKStuff ( Link )
    • Income Tax Calculator (Link)
    • i-Say Surveys (Link)
    • Jobseekers Railcard (Link)
    • List of online newspapers. At bottom of the linked page. (Link)
    • LuckyPhone free lottery with loyalty rewards (Link)
    • Marriage Tax Allowance (Link)
    • Martin Lewis' Weekly List of Deals and Tips (Link)
    • MSE Bank Charges Comparison Tool (Link)
    • MSE Boost Your Income page. Gateway to lots of money-making links. (Link)
    • MSE Budget Planner (Link)
    • MSE Abbreviations Explained (Link)
    • MSE Deals and Vouchers (Link)
    • MSE Demotivator Tool (Link)
    • MSE Credit Card Minimum Repayment Calculator (Link)
    • MSE Money Makover (Link)
    • MSE Piggybank Budgeting (Link)
    • MSE Stoozing Guide (Link)
    • MSE Wow Offers (Link)
    • NHS Minor Ailment Service article (Link)
    • My Supermarket (Link)
    • Number Plate Lotto (Link)
    • OnePoll (Link)
    • Quidco (Link)
    • Reclaim PPI at no cost to yourself without using a claims company. (Link)
    • Reclaim Packaged Bank Account fees at no cost to yourself without using a claims company.(Link)
    • Reclaim phone credit (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)
    • Start Rescue Breakdown Cover (Link)
    • Super Saver Amazon Delivery Tool (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: 50

    Bold Bicycle Bonanza: 136.35km
    Run for Sanity: 25.25km

    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • determined new ms
    • By determined new ms 9th Apr 18, 12:56 PM
    • 6,906 Posts
    • 40,515 Thanks
    determined new ms
    • #8
    • 9th Apr 18, 12:56 PM
    • #8
    • 9th Apr 18, 12:56 PM
    spudsmum I read your diary the other day and wanted to say to you you can freeze baked beans - no more 1/2 eaten and festering tins in the fridge! Also I always use beans in chilli just wash off the sauce first
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • foxgloves
    • By foxgloves 9th Apr 18, 2:09 PM
    • 4,218 Posts
    • 22,062 Thanks
    foxgloves
    • #9
    • 9th Apr 18, 2:09 PM
    • #9
    • 9th Apr 18, 2:09 PM
    Hello Monday Moneypennies,
    Useful day so far:
    *Paid another 50p into my sealed pot.
    *My Yougov payment of 50 arrived so have paid it to our LPDF.
    *Did a very few surveys.....DNMS I agree that Onepoll is really slow atm.
    *Did laundry overnight on cheap tariff. All pegged outside. Washer reloaded for same again tonight.
    *W/meal loaf made....on its 2nd proving.
    *Make tomorrow's packed lunch.
    *Updated budgets & moved some funds around.
    *Wrapped a small ebay sale & re-listed a few items.
    *Pulled forced spring rhubarb. Stewed it & will divvy up into snack pots for the freezer.
    *Write letter - gifted note card & a bit of free exercise walking to the postbox.
    *Changed bed linen - that too will wait for a half price overnight wash.
    *Check on greenhouse seedlings.
    *Think about some different calorie-controlled lunch options which are also budget-friendly.
    *Nobble mr f about possible dates for legal appointment. Although I have procured all the necessary docs (for a lot lower outlay than anticipated), we still haven't made a solicitor's appt & sorted out what needs doing. It has become the 'frog' on my job list because I know it will be expensive. Tomorrow, I promise to 'eat the frog'.
    Ok, must crack on.
    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 = 274
    • allydowd
    • By allydowd 9th Apr 18, 2:46 PM
    • 4,227 Posts
    • 27,125 Thanks
    allydowd
    News:

    Check if your Oyster card owes you money for delays and registering it to guard against lost credit. (Link)

    PlusNet are increasing broadband costs. (Link)


    Last edited by allydowd; 09-04-2018 at 2:49 PM.
    Debt-free day: 8th May 2015
    The Joy Account: 50

    Bold Bicycle Bonanza: 136.35km
    Run for Sanity: 25.25km

    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • carrielovesfanta
    • By carrielovesfanta 9th Apr 18, 2:52 PM
    • 1,661 Posts
    • 12,733 Thanks
    carrielovesfanta

    *Tired of eating the same stuff week-in-week-out.
    Originally posted by allydowd

    A couple of things you could do to try and spice up your food life that I've either tried or seen.


    *Go through all your cook books and pick 7 new recipes for the next week


    *Go onto the supercook website, put in the ingredients you have at home and it will suggest recipes for you


    *Pick a cook book and cook your way through every recipe in the book


    *Use a website like EatingWell and download one of their 7 day meal plans and follow it


    *Write a list of everything you can cook and like and rediscover old favourites


    *Have a "pot luck" yellow sticker day - you have to cook what you buy

    HTH
    Last edited by carrielovesfanta; 09-04-2018 at 3:09 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 9433.44
    • allydowd
    • By allydowd 9th Apr 18, 5:01 PM
    • 4,227 Posts
    • 27,125 Thanks
    allydowd
    A couple of things you could do to try and spice up your food life that I've either tried or seen.H
    Originally posted by carrielovesfanta
    Thanks CLF. Food for thought.
    Debt-free day: 8th May 2015
    The Joy Account: 50

    Bold Bicycle Bonanza: 136.35km
    Run for Sanity: 25.25km

    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • DawnW
    • By DawnW 9th Apr 18, 7:36 PM
    • 5,163 Posts
    • 40,876 Thanks
    DawnW
    Evening all
    Busy day today, went to sales unit to restock / tidy up this morning, and hospital visit this afternoon. This was a different hospital to the one that has just cancelled my gall bladder op, and was just a regular outpatients appointment for something else. I have been recruited onto a clinical trial in relation to this condition - just an observational one, no drugs trials or anything. Might be interesting.
    OH helped clean up the house a bit this morning
    Not spent anything today, though I have started a shopping list, and have bills from the milkman and the window cleaner
    Leftovers from the weekend for lunch and dinner
    Washing on airer and stove alight as it is wet and has turned cold as well this afternoon
    Early night as I always find these appointments a bit stressful - just the thought of whether this condition has changed / turned into something else since last time. Thankfully it hasn't thus far, so no treatment needed Just not very nice to know it is lurking around in the background

    • ziggy2407
    • By ziggy2407 9th Apr 18, 9:45 PM
    • 3,164 Posts
    • 24,210 Thanks
    ziggy2407
    Evening All

    Today has been a productive (and enjoyable) day, we have:

    Checked Bank & made PAD
    Ironing
    Patched jeans as still ok for walking in
    Shopping with list
    Uploaded receipts to COS
    Traded in a few DVD's and 2 games for DS
    Collected 3 packs of Doritos (free thanks to promotion on pack)
    Sorted a few pots in garden and planted a couple of free plants in border
    Stripped DS bed and remade
    Washing & Line dried
    Swagbucks
    All meals from cupboards/fridge/freezer
    Check: Tombola Stars, Lucky Bob, Luckyphone, WinaDinner, FPL
    Read (finished Sherlock Holmes and now reading a hardback that I won last year - "The Trespasser" by Tana French)

    Night all.

    C x
    Last edited by ziggy2407; 09-04-2018 at 9:50 PM.
    Make 5 per day Jan - June 18: 818.96/905.00 Make 5 per day July 18: 24.63/155 Make 5 per day Aug: 69.13/155
    • PurpleFairy26
    • By PurpleFairy26 10th Apr 18, 7:30 AM
    • 2,276 Posts
    • 15,389 Thanks
    PurpleFairy26
    Morning all

    Few things for me today:
    Check banking
    Check surveys
    Packed lunches for me, DH and dd
    Yogurt I made last night looks good, have put in fridge to chill. So glad I remembered I had a maker and was able to shop form Home.
    Froze additional sourdough
    Read free mr w magazine I picked up yesterday when I get home later
    More washing shuffle, no chance of it going outside
    Need to mend a zip on my boots and a hold-all. Been looking on line for inspiration.
    Quick shower leave hair to dry naturally for as long as I can
    Hot drink for commute
    Message cm about a date next week

    Have a good day, Purps.
    • allydowd
    • By allydowd 10th Apr 18, 7:41 AM
    • 4,227 Posts
    • 27,125 Thanks
    allydowd
    Hi April Awesomees,

    Another lovely day off.


    Debt-Free-Nillionaire Continuity Plan Year Three:

    * Work very hard on my own mental health issues. Do Holistrio App.

    * Check online banking and broadband usage.


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


    * Going for a Bike and Go cycle this morning.


    To live without risk is to risk not living.
    Last edited by allydowd; 10-04-2018 at 1:56 PM.
    Debt-free day: 8th May 2015
    The Joy Account: 50

    Bold Bicycle Bonanza: 136.35km
    Run for Sanity: 25.25km

    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • determined new ms
    • By determined new ms 10th Apr 18, 8:42 AM
    • 6,906 Posts
    • 40,515 Thanks
    determined new ms
    Morning feeling blurry eyed! I went for a nap at 6.30 yesterday and woke up 1.30-4.00 drinking coffee and trying to wake up as I type! Good thing is, though, due to being asleep I stuck to the diet 2 days now. Another couple and I'll be on the home stretch

    Today:

    * definitely taking madam skating ha ha we went to the pttery cafe instead. Cost was but less than the one we were going to go to last week. We then stoped at a cs and I found a paint your own frame pack for 1 so we are about to start that!
    * text friend to see if she fancies taking my dgs as well - am thinking that 2 adults and 2 5/4yos might be challenging!
    * just checked banking - no change. Need to shuffle groceries amount back to my account (I get paid 5p per contactless transaction. Cue our groceries being split at the till
    * Hem top
    * try on dress and make markings to do alterations I'm addicted to sewing again. I didn't do any for years and now I'm back to almost daily sewing! I have a massive lace dress. I'm going to alter it to make it a shift dress and dye it ocean blue
    * lunch is lo tuna salad made yesterday.
    * taking L & S & drinks with us to keep costs minimal
    * check onepoll
    * plant seeds....
    * 10 x 1 minute exercises - really feeling them!
    * cook red cabbage in sc. Portion & freeze used a half eaten apple that was lurking in the fridge and bunged in 1/2 a portion of carrots lo from last night
    * Change energy supplier - urgent
    Last edited by determined new ms; 10-04-2018 at 8:45 PM.
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • mumofthetwins
    • By mumofthetwins 10th Apr 18, 8:50 AM
    • 1,042 Posts
    • 4,026 Thanks
    mumofthetwins
    morning guys .. or should I say afternoon dnms (bet it feels like it)


    so my main thing today is to sort my bloomin finances out ...


    I realised last night that the boys have a big history trip that needs paying so added to debt total
    and I am trying to decide wether to save a good EF or just keep hitting the card and if I need to charge to the card ... I hate being so sensible lol


    on another note I do have a couple of ebay things finishing tonight so fingers crossed but it is a busy day I have Job#1 then straight to Job#2 then hopefully package up a mountain of parcels for dispatch


    so not sure what to do but at least im still busting away


    Have a great Tuesday guys .. Lisa x
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
    • ziggy2407
    • By ziggy2407 10th Apr 18, 8:59 AM
    • 3,164 Posts
    • 24,210 Thanks
    ziggy2407
    Good Morning All

    Dull, damp and overcast - very disappointed. Today we will:

    Check Bank & made PAD - Done
    Gym -
    Bake -
    Purge a few emails -
    Enter a few comps -
    Surveys -
    Swagbucks -
    All meals from cupboards/fridge/freezer -
    Check: Tombola Stars, Lucky Bob, Luckyphone, WinaDinner, FPL -
    Read -

    Have a great day all.

    C x
    Make 5 per day Jan - June 18: 818.96/905.00 Make 5 per day July 18: 24.63/155 Make 5 per day Aug: 69.13/155
    • carrielovesfanta
    • By carrielovesfanta 10th Apr 18, 9:01 AM
    • 1,661 Posts
    • 12,733 Thanks
    carrielovesfanta
    Morning folks


    A wet day here in the North West. Not much to report, and a similar list to yesterday!


    B/L/D from stores
    Snacks as planned - done
    No sugar
    No booze
    Charge phone in work - done
    Gym at lunch time - done
    Nip into the garden later and check things.
    Sew in crochet ends - ongoing
    Free stretching video
    Relax and be fabulous

    Have a good one all

    clf x
    Last edited by carrielovesfanta; 10-04-2018 at 5:34 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 9433.44
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