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  • FIRST POST
    • determined new ms
    • By determined new ms 9th Apr 18, 6:19 AM
    • 6,955Posts
    • 40,892Thanks
    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 2
    • DawnW
    • By DawnW 10th Apr 18, 9:22 AM
    • 5,218 Posts
    • 41,303 Thanks
    DawnW
    Another wet day Always feel sorry for the schoolchildren on holiday (and their parents) as no doubt it will dry up once they have gone back to school.

    Plans for today:
    Check banks and update spreadsheets Done
    Spendy day today as car needs 2 new tyres Plenty more vehicle related expenses coming up as elderly camper van needs work and both need MOTs and service Didn't actually get them today, DH had to order them, and they will be in tomorrow. So, other spending plans were put on hold, and I scored another NSD
    Might do a small shop, or might wait till tomorrow, list in progress See above
    Post office with RM surveys stuff Done
    Buy a new box file for business stuff for new tax year. Will get one in the pound-ish shop and keep the receipt! Will look tomorrow
    Washing to fold and put away Done
    More washing to do, which will have to be dried inside As luck would have it, it was dry this afternoon, so out it went. It isn't bone dry, and will have to be finished off on the airer, but this is way better than having to dry it from scratch
    Washed another load to hopefully put out tomorrow
    Good tidy up / putting things away
    Put trundle bed back under main bed in spare room and put away bedding etc - can't get to my sales stock in the eaves cupboard till I do this. Done
    Sort out fridge etc and freeze items that are looking as though they need it Done, some tomatoes on the turn got the soft bits cut off and composted, and the rest chopped and frozen
    Finish up parsnip soup for lunch Done
    Make frittata for dinner, to use up various bits and pieces Some leftover cooked peppers and onions, a bit of ham and some leftover mashed potato went in, along with 6 eggs and a handful of freshly grated parmesan. And there is loads left for lunch tomorrow
    Make flatbreads, as I haven't done this and fancy trying These were a great success, with the frittata and a salad. Won't be buying wraps / chapattis etc again
    Cut oriental greens, rocket and chives from the garden / greenhouse to have with our salad

    More coffee first I think, as not much sleep again
    Last edited by DawnW; 10-04-2018 at 7:35 PM.

    • spudsmum
    • By spudsmum 10th Apr 18, 2:10 PM
    • 315 Posts
    • 1,773 Thanks
    spudsmum
    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
    Originally posted by determined new ms

    Thanks DNMS - i do use baked beans in chilli and in sausage caserole. Had no idea you could freeze them though.
    Total debts 21050! now 18934.52 . 1% challenge 1641.25/15000 (10.94%) Total extra income made in 2018 2544.79 frugal budget 2018 6253/7600 Aiming for debt free at 40 - only 24 months to go!
    • allydowd
    • By allydowd 10th Apr 18, 2:23 PM
    • 4,274 Posts
    • 27,504 Thanks
    allydowd


    * Going for a Bike and Go cycle this morning.

    Originally posted by allydowd
    Plan A: Rent cycle from usual Bike & Go place on mainland for 3.80, catch ferry to island for 3.30, cycle round island. Cost 7.10.

    Became...

    Plan B: Catch ferry to island for 3.30, take bus to town for 3.30, rent cycle for 4.50 from Mapes, cycle round island. Cost 11.10.

    ....Because there was no "man" at the railway station to give me the key today as planned owing to staff shortages.

    Complained to Bike & Go, who are going to credit me one-day's hire free: 3.80...so I will only have spent 4 more than planned, and the day's plans weren't ruined.

    DW came with me, paid nothing on the bus and went for a walk/photogra-faff while I cycled.

    Very cold and (now) wet here so an afternoon of DVDs we already own awaits.
    Last edited by allydowd; 10-04-2018 at 2:56 PM.
    Debt-free day: 8th May 2015
    The Joy Account: 30

    Bold 100 Miles Bicycle Bonanza: 147.35km/160.93km
    Run 25 Miles for Sanity: 40.57km/40.23km Challenge complete

    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • allydowd
    • By allydowd 10th Apr 18, 2:53 PM
    • 4,274 Posts
    • 27,504 Thanks
    allydowd
    Thanks DNMS - i do use baked beans in chilli and in sausage caserole. Had no idea you could freeze them though.
    Originally posted by spudsmum
    Spudsmum: You can freeze almost anything, other than eggs in their shells.

    Lettuce and cucumber can be frozen but will be soggy when defrosted...but could still be added to soups.

    Soft cheeses with a high water content, like cottage cheese, ricotta, and cream cheese lose their fluffy texture when defrosted, but they are still edible.

    Mayonnaise and cream separate and curdle after freezing.

    Most other things are freezable.

    Blocks of cheddar freeze just fine.
    Last edited by allydowd; 10-04-2018 at 3:03 PM.
    Debt-free day: 8th May 2015
    The Joy Account: 30

    Bold 100 Miles Bicycle Bonanza: 147.35km/160.93km
    Run 25 Miles for Sanity: 40.57km/40.23km Challenge complete

    "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, 4:52 PM
    • 6,955 Posts
    • 40,892 Thanks
    determined new ms
    Spudsmum: You can freeze almost anything, other than eggs in their shells.

    Lettuce and cucumber can be frozen but will be soggy when defrosted...but could still be added to soups.

    Soft cheeses with a high water content, like cottage cheese, ricotta, and cream cheese lose their fluffy texture when defrosted, but they are still edible.

    Mayonnaise and cream separate and curdle after freezing.

    Most other things are freezable.

    Blocks of cheddar freeze just fine.
    Originally posted by allydowd
    more often than not I buy cheese when I spot it ys and then grate and freeze. Perfect for our needs

    I agree I freeze almost everything! The challenge is eating it afterwards....
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • carrielovesfanta
    • By carrielovesfanta 10th Apr 18, 4:54 PM
    • 1,709 Posts
    • 13,138 Thanks
    carrielovesfanta
    more often than not I buy cheese when I spot it ys and then grate and freeze. Perfect for our needs

    I agree I freeze almost everything! The challenge is eating it afterwards....
    Originally posted by determined new ms

    Plot twist: DNMS actually lives in a branch of Iceland Food Warehouse
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 9433.44
    • determined new ms
    • By determined new ms 10th Apr 18, 5:57 PM
    • 6,955 Posts
    • 40,892 Thanks
    determined new ms
    Plot twist: DNMS actually lives in a branch of Iceland Food Warehouse
    Originally posted by carrielovesfanta
    Jaysus! It's taken forever for the penny to drop....
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • foxgloves
    • By foxgloves 10th Apr 18, 7:06 PM
    • 4,283 Posts
    • 22,566 Thanks
    foxgloves
    Evening all,
    Oh my days....will it ever stop raining?
    *Made tomorrow's packed lunch.
    *Stretched 1 leftover frying steak to make a nice sweet & sour stir-fry & noodles for two.
    *Unpacked my summer clothes & put my most wintery stuff away.
    *Did a couple of surveys.
    *Made some notes from 2 or 3 healthy eating books for ideas for a few calorie-controlled lunches which are a bit more creative in terms of nutrition, as well as economical.
    *Did a cheap load of laundry overnight but not a chance of pegging it out so it's on the heated airer, probably cancelling out my saving.
    Never mind, it's been quite a positive day in some respects.
    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 = 338
    • DawnW
    • By DawnW 10th Apr 18, 7:26 PM
    • 5,218 Posts
    • 41,303 Thanks
    DawnW
    Spudsmum: You can freeze almost anything, other than eggs in their shells.

    Lettuce and cucumber can be frozen but will be soggy when defrosted...but could still be added to soups.

    Soft cheeses with a high water content, like cottage cheese, ricotta, and cream cheese lose their fluffy texture when defrosted, but they are still edible.

    Mayonnaise and cream separate and curdle after freezing.

    Most other things are freezable.

    Blocks of cheddar freeze just fine.
    Originally posted by allydowd
    I find cream is fine for cooking purposes after freezing, such as added to a quiche. It is only a texture / appearance thing, doesn't affect the taste, and if it is whisked with other stuff, you don't notice it anyway.

    • determined new ms
    • By determined new ms 11th Apr 18, 6:36 AM
    • 6,955 Posts
    • 40,892 Thanks
    determined new ms
    Morning I've been up for a while - watching more sewing p0rn so yesterday's alternations to dress didn't go according to plan! Luckily as I wasn't certain I just tacked it together before cutting so today's attempt II I am going to use a dress I like the shape of as a guide Might go do that shortly...

    Things for today:

    * checked banking
    * read martin's email - really not much doing this week...
    * hang up washing
    * flylady upstairs
    * think of something fun to do today with madam. She had a play date she was so looking forward to but the mum cancelled yesterday She is going to be very disappointed
    * onepoll
    * Portion up and freeze red braised cabbage cooked yesterday
    * do 50% of my dress
    * sow some seeds - really happy I finally started yesterday honestly it was the thought of it still being on my list and never getting done that spurred me on!
    * check meal plan and get anything out of freezer
    * cook chicken breast for oh's lunch. will use a ys wrap
    * meeting up with a friend this evening for a catch up

    that'll do! Happy Wednesday guys
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • foxgloves
    • By foxgloves 11th Apr 18, 6:38 AM
    • 4,283 Posts
    • 22,566 Thanks
    foxgloves
    Morning Money Savers,
    Am out this morning supporting a charity thing. Also aiming to pot up baby aubergine & pepper plants, crochet around a few more blanket squares, check online banking for a paypal payment & transfer it to LPDF if it's there. Jacket potato night tonight. Mr f is finishing off the last portion of smoky pork chilli from the freezer & I fancy salad & some kind of fish with mine. Will have to pay 4.50 for car parking today so will take the opportunity to do all my town jobs, such as posting an ebay parcel, while I'm there.
    Have a good day all,
    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 = 338
    • allydowd
    • By allydowd 11th Apr 18, 9:28 AM
    • 4,274 Posts
    • 27,504 Thanks
    allydowd
    Hi April Awesomees,

    I start work at another site tonight, miles away. Switching back to nightshift is going to play havoc with my body clock.


    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.


    * Take a packed lunch to work.


    To live without risk is to risk not living.
    Debt-free day: 8th May 2015
    The Joy Account: 30

    Bold 100 Miles Bicycle Bonanza: 147.35km/160.93km
    Run 25 Miles for Sanity: 40.57km/40.23km Challenge complete

    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • DawnW
    • By DawnW 11th Apr 18, 9:30 AM
    • 5,218 Posts
    • 41,303 Thanks
    DawnW
    Morning all
    Yet more rain this morning
    Hoping it will dry up later like it did yesterday, so I can put washing out on the line. I put it out for a while but it didn't dry much, must get the airer out in a minute
    Other things:
    OH just gone to get tyres for car 170
    Need to pay window cleaner's and milk bills Will do in a minute
    Check banks and update spreadsheet Banks done, but must update spreadsheet with today's spends
    Regular savings account matured, so 65.74 interest Started another one, as the interest is 5%, and it earns a bit more just by recycling existing savings
    Need to do a shop Done, also picked up a couple of cardigans for me in Sainsburys. I am down to just one that I don't like much, I don't often see them, and these were only 10 each
    Expensive day (in fairness only due to the tyres, other things won't be much) Certainly was!
    Might take some items to sales unit Done
    Need to post a parcel for RM survey Done
    Plenty of lunch bits in fridge OK
    Something out of freezer for dinner Had leftovers instead

    It would be nice to get out in the garden, but too wet this morning, and even if it is like yesterday and dries up a bit this afternoon, it looks to be pretty cold as well Have to see how it goes! It stayed cold and often wet
    Last edited by DawnW; 11-04-2018 at 7:59 PM.

    • ziggy2407
    • By ziggy2407 11th Apr 18, 12:40 PM
    • 3,221 Posts
    • 24,951 Thanks
    ziggy2407
    Good Morning All

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

    Check Bank & made PAD - Done
    Bake (Apple & Cinnamon Loaf) - Cooking now, smells delicious
    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: 122.68/155 Make 5 per day Sept: 379.95/150
    • carrielovesfanta
    • By carrielovesfanta 11th Apr 18, 2:45 PM
    • 1,709 Posts
    • 13,138 Thanks
    carrielovesfanta
    Afternoon folks

    Bit mad at work today - my new freelancer (seems ok so far thanks!) had to rush off very suddenly as he seems to have a bit of a bad tummy so I'm doing an emergency priority deliverable for the client AND his coverage work! Eeeep!

    Bit naughty last night as OH had a rather discombobulating day so we hit our fave cafe for a coffee and then went for a bit of cheeky sushi dinner. All from budgeted personal spends but this pot is looking very low already.

    Today though:
    • B/L/D from stores (will be eating last night's planned pie)
    • Snacks as planned (this going very well so far - lets see how I cope over the weekend)
    • Bit of overtime today to finish all work off already worked lunch plus will probably stay late) - I am superwoman. I have finished half an hour early!
    • Sew in crochet ends (ongoing)
    • No alcohol
    • No sugary stuff
    • Charge phone in work - done
    • Start thinking about prices for boot sale items. ask mil if she has anything else to sell
    • Start drafting up meal plan for next week and adding to shopping
    • See if work have a battery tester I can borrow - nope
    Have a good one folks

    clf x
    Last edited by carrielovesfanta; 11-04-2018 at 6:02 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 9433.44
    • PurpleFairy26
    • By PurpleFairy26 11th Apr 18, 7:46 PM
    • 2,340 Posts
    • 15,804 Thanks
    PurpleFairy26
    Evening all. Bit of an upside down day as I knew I was going to be back a little later from work today, I helped DH do a job for a charity this morning. Will put in a mileage claim, I don't normally but it was miles away and we saved them about 150 in doing it so the 20 odd I'll get for fuel will be fine.

    Other things:
    Check banking, moved money back from high interest account to bills accoun so I get monthly bonus
    Need to sort out a couple of pot repayments for things we bought on Saturday
    Went to wholesalers for a big shop. Managed to stretch it to 8 weeks without upping spend. Got some butter for 1.25 a block which is cheapest I've seen it for ages
    DH made chilli for tea, will freeze leftovers
    Got ys chicken drumsticks but they ere on 3 for 2 so I got 30 for 2.64 will portion and freeze. Good for bbqs. Here's hoping
    Unsubscribed from some emails
    Read Lakeland catalogue and then recycle
    Do packed lunch for dd and DH for tomorrow
    Washing shuffle as grey and miserable here
    Pack up fleabay parcel, move money now I've packaged it. Will post tomorrow. Money to LPDF
    DH put some money in sealed pot
    I've moved some money from account to hopefully ring fence if for payment to loan at end of month

    Enjoy your evening folks.
    Check surveys
    • Happy Kitties
    • By Happy Kitties 11th Apr 18, 8:14 PM
    • 635 Posts
    • 4,944 Thanks
    Happy Kitties
    I have been reading and following when I can RL is manic at the minute and set to stay that way until the end of April...cant wait until we hit May
    Many thanks for asking 1LL if everything was okay.
    Also had DD home, (just left to go back to uni today) so was playing catch up on her things aswell-only got about half done but planning on getting a few more bits sorted as she is home in a couple of weeks for a family baptism.
    Pleased to say a lot of meals/puddings out of the freezer eaten, I am finally seeing space!!! Means I can start making meals again and get the extras frozen. Slow cooker has been a godsend aswell

    Supposed to finish with my RM survey stint but it doesn't look like that is happening at the minute so plodding on with catch up since they introduced the new platform which I am not keen on hopefully more stamps to come which I have been using to send birthday presents and eBay parcels out.

    The cats have cost me a fortune-100 spent on treatments but they are worth it. Have an elderly cat that is going to need to stay on pain relief for the rest of her life but she is snoring happily away now so I know things are good.

    Trying to keep on top of my grocery spends book. Managed okay with good breakdowns in March but struggling a bit in April. It's just a case of grabbing the item I need and not worry so much about cost if I pick up a few extra items along the way......need to address this and get back on track

    Away this weekend at a sporting event......will take snacks with me

    Think that's about it from me now...bound to think of something else later

    Have a great evening everyone x
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=360.66
    • ziggy2407
    • By ziggy2407 11th Apr 18, 9:43 PM
    • 3,221 Posts
    • 24,951 Thanks
    ziggy2407
    Ziggy, I stopped doing luckyphone last year when they were changing payout, is it worth still doing? Do they payout on 1000 LP's still? Thanks in advance!
    Originally posted by 1LuckyLady
    No, they haven't decided yet on payouts but am holding out as over 1000 points
    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: 122.68/155 Make 5 per day Sept: 379.95/150
    • ziggy2407
    • By ziggy2407 11th Apr 18, 9:50 PM
    • 3,221 Posts
    • 24,951 Thanks
    ziggy2407
    I have been reading and following when I can RL is manic at the minute and set to stay that way until the end of April...cant wait until we hit May
    Many thanks for asking 1LL if everything was okay.
    Also had DD home, (just left to go back to uni today) so was playing catch up on her things aswell-only got about half done but planning on getting a few more bits sorted as she is home in a couple of weeks for a family baptism.

    Have a great evening everyone x
    Originally posted by Happy Kitties
    Was awake during the night and thought ooh must message HK see if everything ok as noticed you'd not posted and then obviously I forgot in the cold light of day - sorry glad to see you posting, hope things settle for you soon
    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: 122.68/155 Make 5 per day Sept: 379.95/150
    • Happy Kitties
    • By Happy Kitties 12th Apr 18, 7:51 AM
    • 635 Posts
    • 4,944 Thanks
    Happy Kitties
    Aaawww thanks Ziggy

    Have tbh will be glad when April is over. Plus having to sort out more prep for my op, just don't seem to have time to do anything at the minute.

    My spends book looks pathetic and neglected and I'm not watching my spending either, if there is one thing I am determined to do is bring my spending back under control and my book back up to date!
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=360.66
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