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  • FIRST POST
    • determined new ms
    • By determined new ms 9th Apr 18, 6:19 AM
    • 6,834Posts
    • 40,019Thanks
    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 3
    • PurpleFairy26
    • By PurpleFairy26 11th Apr 18, 7:46 PM
    • 2,164 Posts
    • 14,646 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
    • 511 Posts
    • 4,026 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=359.51
    • ziggy2407
    • By ziggy2407 11th Apr 18, 9:43 PM
    • 3,085 Posts
    • 23,345 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
    It is better to take many small steps in the right direction than to make a great leap forward only to stumble backward. (Old Chinese Proverb)

    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
    • ziggy2407
    • By ziggy2407 11th Apr 18, 9:50 PM
    • 3,085 Posts
    • 23,345 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
    It is better to take many small steps in the right direction than to make a great leap forward only to stumble backward. (Old Chinese Proverb)

    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
    • Happy Kitties
    • By Happy Kitties 12th Apr 18, 7:51 AM
    • 511 Posts
    • 4,026 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=359.51
    • 1LuckyLady
    • By 1LuckyLady 12th Apr 18, 8:21 AM
    • 803 Posts
    • 7,477 Thanks
    1LuckyLady
    Hk, Nice to "see" you again Hoping things settle down soon for you.
    Ziggy, Thank you .
    Ally, Hope your night shift went as well as it could for you.

    Todays list from me
    The sun is shining so I've put our bedding in to wash - want to hang it out before we head out for the day. Its dry and ready to come back in
    Meeting at my parents for brunch then going over to the museum in town where they've got a special one day only exhibit on - all free and we won't need snacks as we will have had brunch Done and kids enjoyed
    Whilst in town take ds1 to meet up with his friend as his friends mum is taking them to lazerzone -ds1 is so excited bless him! Done and he's back with a big smile
    Take a photo of the ds's pocket money chart as whilst in town they want to pop into CEX to look at 2nd hand games, if I have the chart on my phone they can't argue over how much they have! Done and they both bought a 2nd hand game, pocket money chart updated accordingly
    Check banking/update spreadsheets Done
    Another day without contact lenses for me, don't like wearing glasses but happy to build up a bit of a supply again so that I don't need to increase my monthly direct debits and it gives my eyes a rest. As once I'm back at the gym next week I will need to have them in again. Done
    Call in at the c0op before heading home as we often get ys bread/fruit/veg from there Done, got some fancy magnum icecreams for 97p/tub reduced from 3.59! also some ys English muffins which will come in handy for breakfasts
    Switched ds2s alarm off at the wall for the day, as it auto resets quickly anyway Done
    Dh still not 100% so he's not driven in to work (works 1 1/4 -1 1/2hr away and has come home twice this week after a couple of hours) he's going to try working from home today, so quite lucky that we are going to be out! Saved on fuel costs and he's feeling better for actually achieving something he says!
    Rm surveys to do Done
    Maybe a bit more of my x stitch, the current one I'm doing is little 4 x 4 blocks of colour to use up odds and ends of threads so easy to do a quick 10minutes here and there is my thinking! Did 10minutes but then the light was going so that was it for the day

    Right thats it my cuppa is nearly gone, so I need to get ready so that once the washing machine is finished I can get it hung out and then go out.

    Have a good day all.
    ** In town they were giving away free 500ml bottles of Ribena, we walked past them twice and came away with 7 bottles for free
    ** Called in to the theatre, I'd tried to book to see a comedian in the summer online but it wouldn't sell it to me as it would leave a single seat and there were 4 different places but all had 3 seats and I only wanted two, so went in to ask and they can override it so I've got the 2 seats I wanted and I haven't had to pay the online fee of 3 either
    ** Came home with some snack boxes my mum didn't need anymore, will come in handy for picnics
    ** My dad gave us 3 tins of spaghetti that he'd bought thinking they were baked beans, the kids think its Christmas as its something I'd never think of getting in for them!!
    ** My dad also gave me a bottle of head and shoulders shampoo as he'd seen that ds1's scalp was flaky
    ** 3 isay surveys done, screened out of 2 but got 10 points on both of those anyway, not far off next 2 voucher now hopefully
    ** Used to use toluna years ago, sent message to them as I want to restart but its registered to an old email and when I try to change my details its giving me an error page, hopefully they'll sort it out.
    ** Checked onepoll, ONE DONE
    Last edited by 1LuckyLady; 12-04-2018 at 8:42 PM.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • determined new ms
    • By determined new ms 12th Apr 18, 9:31 AM
    • 6,834 Posts
    • 40,019 Thanks
    determined new ms
    Morning hi HK nice to see you posting again. Hope life has been busy in a good way!

    1LL feeling lazy next to you! I literally woke up half hour ago and very sluggish right now! My sleep pattern is really messed up atm fell asleep at 7 and woke up 2.14-4 must try my hardest to stay awake until a reasonable early night time tonight....

    This afternoon we have free tickets to lecture with Ken Loach the film director oh's ma is having madam.

    Other than that I hope to:

    * sow a couple of trays of seeds
    * hang up washing
    * finish altering my dress and then dye it
    * tidy up - why is my house always so untidy???
    * checked banking
    * check meal plan for tonight's dinner
    * check onepoll
    * have a hunt round while I'm tidying up for fleabayable things
    * email fleabayer as I bought 2 things from her, they were posted together and she hasn't refunded me 1 of the postage costs! I might have to raise a dispute over it! Cost to her 2.95 cost to me 7! Done - really not impressed with this!
    * contact life ins people to finalise policy
    * nip into town and collect gingerbread candles (posted on here last week) that's my first lot of Christmas gifts tucked away

    Ok that's all I can think of/will get done I think! Happy Thursday
    Last edited by determined new ms; 12-04-2018 at 11:37 AM.
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • allydowd
    • By allydowd 12th Apr 18, 11:06 AM
    • 4,103 Posts
    • 26,251 Thanks
    allydowd

    Ally, Hope your night shift went as well as it could for you.
    Originally posted by 1LuckyLady
    Better than expected.

    Tired now.

    Three more shifts and it's the weekend.
    Debt-free day: 8th May 2015
    The Joy Account: 1

    Bold Bicycle Bonanza: 93.01 km
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • determined new ms
    • By determined new ms 12th Apr 18, 11:38 AM
    • 6,834 Posts
    • 40,019 Thanks
    determined new ms
    Whoop! received text re a ppi claim - one of mine this time - and I'll be getting a cheque for 179 in the next 10 days

    This brings the total for ppi we've got in the last month to nearly 1000 literally for less than 2 hours work using guidance on here. We'd always thought we didn't have it. If you haven't already done it it's well worth a punt
    Last edited by determined new ms; 12-04-2018 at 11:53 AM.
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • DawnW
    • By DawnW 12th Apr 18, 12:01 PM
    • 5,005 Posts
    • 39,472 Thanks
    DawnW

    * email fleabayer as I bought 2 things from her, they were posted together and she hasn't refunded me 1 of the postage costs! I might have to raise a dispute over it! Cost to her 2.95 cost to me 7! Done - really not impressed with this!
    Originally posted by determined new ms
    The trouble with refunding postage costs is that the seller has to pay ebay fees on postage costs, which they can't reclaim, even if they refund you It is always best to message the seller before you buy / pay to ask if they will combine postage. They can then send you an invoice with the new postage cost on it, and then they will only be billed for fees on the postage actually paid. Does that make sense? For example, here, the seller will have paid fees on the 7, so if they refund you half, they will be losing out. It is worth remembering this if you are selling, too. Some people don't realise that fees are charged on postage costs as well as the cost of the actual item. This was introduced a few years ago, and in my opinion is very greedy of ebay When I sell, I charge only the actual cost of posting the item (as charged by the post office) so lose out anyway on these fees simply by being fair to the buyer.

    Not sure if raising a case would work in your favour, as in buying the items and paying without any prior discussion, you in effect agreed to buy the items at the price / postage costs stated Different of course if you agreed a different course of action with the seller upfront and then they went back on it.

    Having said this, If I were this seller, I would certainly agree to refund some of the postage cost, but minus the amount of the ebay fee that will already have been added to their bill. But then I hate to have unhappy customers.....


    • determined new ms
    • By determined new ms 12th Apr 18, 12:30 PM
    • 6,834 Posts
    • 40,019 Thanks
    determined new ms
    The trouble with refunding postage costs is that the seller has to pay ebay fees on postage costs, which they can't reclaim, even if they refund you It is always best to message the seller before you buy / pay to ask if they will combine postage. They can then send you an invoice with the new postage cost on it, and then they will only be billed for fees on the postage actually paid. Does that make sense? For example, here, the seller will have paid fees on the 7, so if they refund you half, they will be losing out. It is worth remembering this if you are selling, too. Some people don't realise that fees are charged on postage costs as well as the cost of the actual item. This was introduced a few years ago, and in my opinion is very greedy of ebay When I sell, I charge only the actual cost of posting the item (as charged by the post office) so lose out anyway on these fees simply by being fair to the buyer.

    Not sure if raising a case would work in your favour, as in buying the items and paying without any prior discussion, you in effect agreed to buy the items at the price / postage costs stated Different of course if you agreed a different course of action with the seller upfront and then they went back on it.

    Having said this, If I were this seller, I would certainly agree to refund some of the postage cost, but minus the amount of the ebay fee that will already have been added to their bill. But then I hate to have unhappy customers.....
    Originally posted by DawnW
    In her listing she said if you got more than one item she would combine postage. I would have sent her a message otherwise. I'm happy to pay the extra but it's a bit steep imo
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • DawnW
    • By DawnW 12th Apr 18, 1:37 PM
    • 5,005 Posts
    • 39,472 Thanks
    DawnW
    In her listing she said if you got more than one item she would combine postage. I would have sent her a message otherwise. I'm happy to pay the extra but it's a bit steep imo
    Originally posted by determined new ms
    I reckon she will refund you some of it if you ask, but unless an invoice is sent which states the combined postage, ebay will charge fees on the whole amount originally stated, which is worth remembering as a seller, too, because you can't reclaim the fees


    • foxgloves
    • By foxgloves 12th Apr 18, 1:44 PM
    • 4,036 Posts
    • 20,785 Thanks
    foxgloves
    DNMS & Dawn - I sell things on ebay & when I'm listing several things, I always add a note in my description that I'm happy to look at combining postage on two or more items as I know this can sometimes save the buyer some money. And for most people buying multiple items, this is exactly what I do. The exception is people who go ahead & pay me for separate items before I've had the chance to message them with the reduced combined postage costs. When this happens, (I've just had one recently on a sale of 2 magazines), I can only assume that the buyer isn't bothered about combining p&p.
    I wouldn't refund anyone who complained I'd sent the two items in one package if they went ahead & paid as two individuals items before waiting to hear from me with the new reduced price. I don't think that's mean, I just don't want to faff around with refunds when I make it perfectly clear in my listings that I'm willing to combine. Does that make sense? I think I'm saying broadly the same thing as Dawn?
    Agree that ebay got v greedy taking a % of postage costs. I don't know how this is even legal, really.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 800-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 244
    • DawnW
    • By DawnW 12th Apr 18, 1:47 PM
    • 5,005 Posts
    • 39,472 Thanks
    DawnW
    Refunds on postage costs weren't an issue until ebay started charging fees on them


    • foxgloves
    • By foxgloves 12th Apr 18, 1:58 PM
    • 4,036 Posts
    • 20,785 Thanks
    foxgloves
    Afternoon Thursday Pence Savers,
    Sooooo chilly today. Just about dry but far too cold to take my veggie seedlings down to the greenhouse for potting up.
    *Did next week's meal plans.
    *Wrote shopping list.
    *Do online order - try to get a green delivery slot - pushed for time on Sat so an online order makes sense.
    *Make tomorrow's packed lunch.
    *Free mesl tonight - chunky turkey soup from rubber Christmas turkey & home made cobs from freezer.
    *Baked sourdough loaf I mixed up yesterday.
    *Froze an unused pepper.
    *Sold some marmalade - added straight to LPDF.
    *Did 3 surveys.
    *Made a start on cleaning the house - just got to run the Dyson around.
    *Continue working on my revised healthy eating plans.
    *Free fitness as am about to pop out for a walk to test out new insoles in my DMs.
    *Think about what I'd like for my birthday as mr f is wanting ideas.
    *Update my DFW diary. It's quite cathartic sharing tales of the Spendy Decades.
    Best wishes to 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 = 800-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 244
    • DawnW
    • By DawnW 12th Apr 18, 2:11 PM
    • 5,005 Posts
    • 39,472 Thanks
    DawnW
    Anyway, apart from moaning about ebay, today looks like this:
    Market this morning for veg and fruit, 5 for 2 big bags
    Opened a new regular saver account to replace the one that matured yesterday
    Used up the last of the cress I grew on the windowsill for lunchtime sandwiches
    Booked car in for MOT and service
    Free treats received with dog food delivery this morning, much to dog's delight
    Sowed a few seeds but was so cold outside I didn't stay out long!
    Also planted some of the living lettuce stuff from the supermarket in a bigger pot to let it grow on a bit, and repotted a parsley plant I bought from the market.
    Now lit the woodburner - wish we could get some warmer, drier weather

    Further plans:
    Update spreadsheet with spends etc
    Post a couple of letters, will coincide with taking the dog out
    Dinner will be jacket potatoes stuffed with smoked haddock, herbs and creme fraiche, with green veg on the side.

    Boring list - hope to add to it later!


    • PurpleFairy26
    • By PurpleFairy26 12th Apr 18, 2:39 PM
    • 2,164 Posts
    • 14,646 Thanks
    PurpleFairy26
    Late post again but better than not at all. Glad your night shift was ok ally

    Top gardeners out there, most of my daffs have come up blind this year. Is there a reason for this? Any advice, as ever much appreciated.

    Today's list:
    Used gym membership, filled water bottle 3 times
    Used some frozen blueberries in my protein pancakes I had when I came back
    DH took leftovers, hot drink and snack to work. Dd had packed lunch
    Borrowed a costume my dd needed for tomorrow rather than sourcing one at cost
    Washing shuffle
    Checked banking
    Still need to move pots around from yesterday, was too tired by the time I got to look at it
    Balance just for spends cc
    Walk tonight with friend, free exercise.

    Right best do some work before I go pick up the smalls. Purps.
    • spudsmum
    • By spudsmum 12th Apr 18, 3:45 PM
    • 225 Posts
    • 1,315 Thanks
    spudsmum
    Afternoon fellow penny wranglers!

    Impromptu day off today as youngest small has caught chicken pox at nursery, he's miserable so we've snuggled up on the sofa with a blankie watching Peppa Pig (oh joy!)

    In other news the online banking smart key arrived on Tuesday so I spent a lot of time shuffling money around but now back on top of everything I think and paid all bills.

    Thanks all for the advice about freezing things - i used to freeze all sorts but somehow got out of the habit - must start this again.

    Ally - hope you've recovered ok from your first night shift

    Anyway onto all things MS:

    found a pack of stuffing in the back of the cupboard so will use that with some ys potatoes to do a huge roast for tea
    doing meal plan and shopping list for next week - shouldnt need much again.
    finalised home insurance and theyre not taking the payment til next month so more time to top up the pot
    looking at the MSE cheap energy club as my fix comes to an end soon - looks like i can save 300 per year.
    cashed out some survey sites
    2.89 cashback from shopmium - gone to debt fund
    made another debt payment to MBNA
    wombled a receipt i found in the trolley at asda a couple of day ago - its worth 3.64!
    checked DH' bank for his wage amount coming ni tomorrow and mentally allocated to various pots

    Thats it I think
    Total debts 21050! now 19834.47. 1% challenge 853.50/15000 (5.7%) Total money squirrelled away/NOT wasted in 2018 2067.31 frugal budget 2018 2996/3800 Aiming for debt free at 40 - only 27 months to go!
    • foxgloves
    • By foxgloves 12th Apr 18, 6:12 PM
    • 4,036 Posts
    • 20,785 Thanks
    foxgloves
    Daffodils coming up 'blind'. This is usually due to insufficient nutrients or because the clumps are now congested & require lifting & dividing up.
    Some of mine have also come up blind & I know it's lack of nutrients in this case. I always cut the seed heads off after flowering & leave the foliage to die back naturally to feed the bulb for next year, but these particular daffs are next to a hungry combination of a tree, privet & a wall and the soil there is poor. I'm going to feed the foliage this time & hopefully they will flower next yesr. Hppe this helps m'duck!
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 800-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 244
    • PurpleFairy26
    • By PurpleFairy26 12th Apr 18, 6:39 PM
    • 2,164 Posts
    • 14,646 Thanks
    PurpleFairy26
    Daffodils coming up 'blind'. This is usually due to insufficient nutrients or because the clumps are now congested & require lifting & dividing up.
    Some of mine have also come up blind & I know it's lack of nutrients in this case. I always cut the seed heads off after flowering & leave the foliage to die back naturally to feed the bulb for next year, but these particular daffs are next to a hungry combination of a tree, privet & a wall and the soil there is poor. I'm going to feed the foliage this time & hopefully they will flower next yesr. Hppe this helps m'duck!
    F x
    Originally posted by foxgloves
    Thanks v. Much
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