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  • FIRST POST
    • determined new ms
    • By determined new ms 9th Apr 18, 6:19 AM
    • 6,949Posts
    • 40,843Thanks
    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 4
    • DawnW
    • By DawnW 13th Apr 18, 7:21 PM
    • 5,208 Posts
    • 41,222 Thanks
    DawnW
    Morning all
    Up early, had a shower and washed my hair, and allowed it to dry naturally. Pegged washing out, but it has started to drizzle Hopefully it will stop!

    Anyway, other plans:
    More new tyres today, this time for the campervan Cheaper than the earthmover was yesterday, but still 130 Lots more vehicle expenses coming up, with both needing MOT and service, and the campervan needing quite a lot of work. Have to keep other costs down!
    All meals from stores. I have started a new shopping list, and I need more compost for the garden pots, but I will put off buying any of this for a few days I think! Shopping list underway
    I need to post some stuff for RM surveys, plus a small ebay sale, buy a plant or some flowers for the friend who has invited us to lunch tomorrow, and I have a cheque to pay in. Might try to walk into town - haven't done this for a while due to painful hip, but it isn't too bad atm Done, bought pink and yellow tulips to take with us tomorrow, 2 bunches for 5 in Waitrose, was the best value I found. Plants in the florists' shops looked the worse for wear
    Tidy up the dining room as it has become a dumping ground again Done a bit of rearranging
    Some gardening if warm enough - got really cold yesterday and I was only out for about 45 minutes I really want to sort out the big pots in the front garden Still too cold
    Bargainous gammon to cook for dinner / lunches -local butcher had 2 joints of locally cured gammon on sale for 5.99 One to cook and one to freeze. Done, and there is loads left for another meal
    Check banks and update spreadsheet Done
    Check for surveys A few today, must get back into this

    More coffee, then need to tidy kitchen, wash up etc
    Originally posted by DawnW
    Managed to walk into town and back without my hip hurting Haven't been able to do this for weeks (it is easily a couple of miles there and back)

    • ziggy2407
    • By ziggy2407 13th Apr 18, 10:10 PM
    • 3,216 Posts
    • 24,909 Thanks
    ziggy2407
    Hi All

    DNMS - I hope we get to see your creations

    Today we have:

    Checked Bank & made PAD
    Collected a few pack of Doritos - thanks to on pack promotion, managed to get another promotional pack and won a 5
    Managed to get DH a pair of PJ bottoms from White Stuff for 4 thanks to sale & a "we've missed you email" which gave me 20 to spend (funny thing is I've never bought from them just signed up to their emails for a comp)
    Swagbucks
    All meals from cupboards/fridge/freezer
    Checked: Tombola Stars, Lucky Bob, Luckyphone, WinaDinner, FPL

    Night 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: 375.95/150
    • determined new ms
    • By determined new ms 14th Apr 18, 6:52 AM
    • 6,949 Posts
    • 40,843 Thanks
    determined new ms
    Morning Working today - I was going to post a but working day may kick me up a gear. A combination of weather and not feeling great has meant mostly this week we've just stayed at home and my motivation is zero!

    At least while working I will stay out of the shops!

    small things for the day:

    * gathered together my breakfast/lunch/snacks - have lo stir fry and enough left for tomorrow
    * quick look at the meal plan and grab anything out needed
    * get joint of meat out of freezer for tomorrow
    * take photo of receipt and submit for cashback
    * relist 2 items that didn't sell on fleabay
    * wrap item that did
    * wash hair and let it dry naturally while getting for work
    * prep stuff for work tomorrow when I get in
    * research and order walking foot to finish quilt - received my final ppi and I am getting a grand sum of 65 coming - my track record continues I can get ppi for everyone else but mine are titchy! But I guess 250 I wasn't expecting 2 months ago can't be sniffed at! - I think I can get one for around 10/11
    * be mindful that something I really want to get (plimsolls in madam's size) is ending today while I'm at work. Might need to get oh to bid on them...

    Ok think that's all! I better think about getting on now as less than an hour before I leave - where does the time go????

    Hope you all have a lovely Saturday x
    Last edited by determined new ms; 14-04-2018 at 7:31 AM.
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • PurpleFairy26
    • By PurpleFairy26 14th Apr 18, 7:43 AM
    • 2,328 Posts
    • 15,727 Thanks
    PurpleFairy26
    Morning all

    Just enjoying a cuppa and some commonwealth games whilst the rest of the house is still snoozy. Netball was very good

    My list for today:
    Need to pay dancing subs but have money in the pot
    Check banking and surveys
    Order DH a pair of work shoes but will use cash back
    Take another pair of shoes we ordered back to a shop as the return fees are horrendous. Wouldn't order from them again on that basis
    Meals from stores, get something from freezer
    Double check meal plan for next week
    DH and I both to gym
    Peg washing out, it's not raining for the first time since about November

    Enjoy your day peeps.
    • foxgloves
    • By foxgloves 14th Apr 18, 8:31 AM
    • 4,275 Posts
    • 22,525 Thanks
    foxgloves
    It's not raining here, either, PurpleFairy.....a first for our region for a very long time!

    Morning Saturday Savers,
    Feeling motivated today, so am going to kick in my list & get on with it:
    *Bake a wholemeal loaf.
    *Bake mini-muffins (today would have been my Dad's birthday & I've decided I'm going to mark the day each year by baking something. He loved my cakes right from when I first started baking aged 11 up to the week before he died, so I think this will be a nice simple thing to do in his memory every year).
    *Major greenhouse session....mostly potting up seedlings.
    *Top dress grapevine with worm compost & top up wormery with veg scraps.
    *Sold another small ebay item overnight.
    *Think about what I'd like for my birthday. Mr f is asking me on a daily basis so I must up my game on the thinking stakes!
    *Leftover Moroccan beef pie tonight. I wasn't sure how the couscous topping would freeze, but it looks ok.
    *Order tunic pattern for the lovely jersey fabric I got from the market.
    *Plan for city centre trip tomorrow - make sure I've got vouchers, cash from relevant pots, loyalty cards & packed lunch ready to take.
    *Crochet around a few more blanket squares. I want this project finished so I can get 3 pairs of socks knitted for the presents box.
    OK, must collect mini DAB for greenhouse & maybe a 2nd coffee & 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 = 338
    • DawnW
    • By DawnW 14th Apr 18, 7:04 PM
    • 5,208 Posts
    • 41,222 Thanks
    DawnW
    Evening all
    Lovely weather today, sun shining, not freezing cold and not raining Not much to report though, as we have been out. Went for lunch with some rellies, and a nice long walk after. No spends apart from fuel as a relly did lunch for everyone at his house Was so pleased to be able to go for a decent walk again, and especially nice as we walked round the grounds of a college where I studied and used to work. I had forgotten what a beautiful place it was

    Came home, had bits from the fridge in lieu of dinner. Will have to spend in a minute though, as we have run out of milk and will need to get some from the corner shop (fancy some chocolate as well which actually hardly ever happens).

    Got some braising steak out of the freezer which I shall convert into a pie tomorrow. I am determined to eat from the freezer as much as possible, as it is rammed again

    Will check seedlings in greenhouse in a minute, and aim, I think, for an earlyish night

    • dizzyblnd
    • By dizzyblnd 14th Apr 18, 10:25 PM
    • 412 Posts
    • 3,712 Thanks
    dizzyblnd
    Where was the gingerbread candles on special? They sound lovely.

    1LL I haven't done Swag$ or Tuluna in years. Do u find either of them profitable anymore?
    NST2018 mortgage-free wannabe #145
    • determined new ms
    • By determined new ms 15th Apr 18, 6:33 AM
    • 6,949 Posts
    • 40,843 Thanks
    determined new ms
    Where was the gingerbread candles on special? They sound lovely.

    1LL I haven't done Swag$ or Tuluna in years. Do u find either of them profitable anymore?
    Originally posted by dizzyblnd
    dizzyblnd they were in W1lko 25p each. I think they come and go. I posted the link on last week's thread
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • PurpleFairy26
    • By PurpleFairy26 15th Apr 18, 7:03 AM
    • 2,328 Posts
    • 15,727 Thanks
    PurpleFairy26
    Morning all

    My internal alarm clock went off at its usual time of 6.29 so I decided to get up and enjoy some peace and quiet. Last night I did some more research on plastic alternatives that I will try to add to my life as current stocks run out (where it's not a financial disaster to switch). First things on the list are:

    Shampoo bar
    Cotton/paper ear buds
    Beeswax paper (cling film alternative)

    My list for today:

    Go to farm and buy some fresh milk, will need to do this before breakfast. Good job the cows are up early -done
    Take return back that we didn't do yesterday, will be quieter today
    Balance just for spends cc - done, was 30p out. But I remember now I was before, so I just paid it off so it balanced
    Meals from stores
    Get ready for school and work tomorrow, packed lunches, uniforms etc...
    Me to gym
    Pay electricians bill, money from Home savings - done
    Put some envelopes (that have come in the post) on a hook to reuse rather than just recycle - done

    Back to check in later. Purps.
    Last edited by PurpleFairy26; 15-04-2018 at 9:00 AM.
    • determined new ms
    • By determined new ms 15th Apr 18, 7:38 AM
    • 6,949 Posts
    • 40,843 Thanks
    determined new ms
    Morning all

    My internal alarm clock went off at its usual time of 6.29 so I decided to get up and enjoy some peace and quiet. Last night I did some more research on plastic alternatives that I will try to add to my life as current stocks run out (where it's not a financial disaster to switch). First things on the list are:

    Shampoo bar
    Cotton/paper ear buds
    Beeswax paper (cling film alternative)
    Originally posted by PurpleFairy26
    could you bring yourself to use a mooncup and/or reusable sanitary wear Purps? I must say I am really happy with my pads I made. Pretty simple, low cost - I think I spent about a tenner on materials. I've been very pleased with them for comfort and non-disasters ( )

    Also I'm going to return to soapnuts because of the impact washing powder has on the environment/ocean life. I think I'll keep a small box for really soiled items but am going to make the switch
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • PurpleFairy26
    • By PurpleFairy26 15th Apr 18, 9:02 AM
    • 2,328 Posts
    • 15,727 Thanks
    PurpleFairy26
    could you bring yourself to use a mooncup and/or reusable sanitary wear Purps? I must say I am really happy with my pads I made. Pretty simple, low cost - I think I spent about a tenner on materials. I've been very pleased with them for comfort and non-disasters ( )

    Also I'm going to return to soapnuts because of the impact washing powder has on the environment/ocean life. I think I'll keep a small box for really soiled items but am going to make the switch
    Originally posted by determined new ms
    Have been looking at a mooncup, having two daughters I'm aware that my choices will have an impact on them too interesting on the hm pads too.
    • allydowd
    • By allydowd 15th Apr 18, 10:38 AM
    • 4,274 Posts
    • 27,501 Thanks
    allydowd
    Have been looking at a mooncup, having two daughters I'm aware that my choices will have an impact on them too interesting on the hm pads too.
    Originally posted by PurpleFairy26
    Love my mooncup. 10 years....cost 19.

    Martin's guide to reusable products. (Link)

    Sanitary Saver price comparison website. (Link)

    Free sample. (Link)


    Last edited by allydowd; 15-04-2018 at 10:52 AM.
    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 15th Apr 18, 11:28 AM
    • 5,208 Posts
    • 41,222 Thanks
    DawnW
    Morning all
    Up early for a flea market, spent a few pounds on stuff to sell on, but no 'personal' spends, so, as my business costs are accounted for separately as required by HMRC, I am claiming a NSD
    Not a great night's sleep again, but we are where we are...

    CBA to go shopping at all, so I have a loaf in the breadmaker, am about to make scones for snacks, and will do a steak and mushroom pie for dinner Steak, mushrooms and onions bubbling in the SC, pastry resting in the fridge. I am shopping mostly from home this month due to the (boring) expense of having to buy 4 tyres, and have so far spent only about a quarter of my grocery budget. Not bad for half way through the month

    Second picking of lovely pink forced rhubarb cooking slowly in oven, must get that out shortly. Removed the big pot that was convering the crown and top dressed it with compost. It can get on and do its thing naturally now

    Also picked 3 beautiful double daffodils that had been blown about by the wind (cold wind is back with a vengeance today, and it keeps raining every now and then as well ). I don't remember planting a double white daffodil, but it is absolutely stunning and I may as well enjoy it in the kitchen as leave it to be blown into the soil

    Have started a shopping list (for when I can be bothered to go) it has things like flour, loo paper, coffee etc on it, so I will need to go at some point soon. Also need some more compost for the garden pots.

    Invited brother for dinner, usually do on Sundays Not much trouble making an extra portion, as long as I don't have to do it every day!

    • carrielovesfanta
    • By carrielovesfanta 15th Apr 18, 11:39 AM
    • 1,705 Posts
    • 13,103 Thanks
    carrielovesfanta
    Have been looking at a mooncup, having two daughters I'm aware that my choices will have an impact on them too interesting on the hm pads too.
    Originally posted by PurpleFairy26

    Vote up on the mooncup - I'm very happy with mine
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 9433.44
    • carrielovesfanta
    • By carrielovesfanta 15th Apr 18, 11:47 AM
    • 1,705 Posts
    • 13,103 Thanks
    carrielovesfanta
    Morning folks

    Been a funny old weekend here. Way too much socialising and I'm knackered! I did keep to my goals of keeping my drinking down to a minimum though! 5.1 units on Sat and 3 units yesterday

    So tired from the late nights though and I have a tricky thing to do in work today!

    I managed to get out into the garden for a few hours again yesterday. It's starting to look nice. I baited the slug trap with yeast mixture. Hopefully it's more tempting than my primroses! I've applied dab-on weed killer to the ground elder in the border. I do this each year and it keeps it at bay. I also weed killered the gravel path behind my house. I don't like using the stuff, but I think next door is away and so their cat won't tread on it. You don't get any wildlife going on that section cos it's too enclosed and near to the house.

    The mission:
    • B/D from stores. Didn't get a chance to do the big shop so off to do it at lunchtime. - done.
    • Stick to list at shop - done. All in for 25
    • Walked back to work with big shop. Free exercise (carried approx. 15kg for 0.5 miles) - done
    • Tidy round at home
    • Reconcile budget sheet. Spends AWFUL this month.
    • Charge phone in work
    • Currently using said Mooncup! - done
    • Washing out onto line when I get home as it's supposed to come dry overnight and tomorrow
    • Check slug trap - possibly move to another location
    • Bought nematodes to eat slugs. Researched lowest price - done
    • No alcohol
    • Not going anywhere this evening. Snuggle up and have an early night I think!
    Have a good one all

    clf x
    Last edited by carrielovesfanta; 15-04-2018 at 2:22 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 9433.44
    • allydowd
    • By allydowd 15th Apr 18, 12:35 PM
    • 4,274 Posts
    • 27,501 Thanks
    allydowd
    Hi April Awesomees,

    Finally, it's Le Weekend. Yay. Sitting here with a Bourbon celebrating having survived my first week in the other workplace. I'm exhausted. And I've been very brave.


    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.


    * Went for a free, local 30 min walk with DW just now. Came upon a swan's nest and a kestrel. Took photos from a respectful distance with a zoom lens. Photos are in the usual place for all you birdo-philes out there. Also watched the model boats on the boating pond. Yesterday I saw a vixen and fox club as I left nightshift yesterday morning. Didn't have a camera on me, though. And nearly despatched a male pheasant this morning coming through the hills.

    * Been listening to audio story CDs in the car on my l.o.n.g. commute. Thanks for the suggestion Foxgloves.

    * Drove an extra 10 miles to work last night. Missed my turning on the motorway.

    * Explored work's kitchen to see what facilities there are for snacking. Pleased to see real mugs, not plastic cups.

    * Making huge use of the Holistrio App right now. Tried the Deep Sleep meditations yesterday and I was asleep before the meditation had finished. (There is a charge for this App. I have a discount code if anyone wants it. However, in my case this App is making a huge difference to my mental health.)

    * Kind acquaintance sent me a lipbalm. It's amazing. Thank-you.

    Actually, I'd like to say thanks to everyone in this forum for all your kind words and support lately. Love you all.

    To live without risk is to risk not living.
    Last edited by allydowd; 15-04-2018 at 2:01 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
    • carrielovesfanta
    • By carrielovesfanta 15th Apr 18, 1:15 PM
    • 1,705 Posts
    • 13,103 Thanks
    carrielovesfanta
    Hi April Awesomees,

    Finally, it's Le Weekend. Yay. Sitting here with a Bourbon celebrating having survived my first week in the other workplace. I'm exhausted. And I've been very brave.
    Originally posted by allydowd

    Glad to see you're still standing - I never had any doubt
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 9433.44
    • ziggy2407
    • By ziggy2407 15th Apr 18, 1:19 PM
    • 3,216 Posts
    • 24,909 Thanks
    ziggy2407
    Afternoon All

    Don't know how I never posted yesterday but managed the gym, some baking and to get all the washing done and line dried as it was lovely. Today we're just back from a "friendly" footie match for DS and we're freezing - I was also taller coming home thanks to all the mud. Today we will:

    Check Bank & made PAD - Done
    Strip our bed and remake (bedding will be washed when weather improves) -
    Swagbucks
    Tea at Mum's (hoping she'll eat more as we're there too)
    Housework @ mums -
    Checked: Tombola Stars, Lucky Bob, Luckyphone, WinaDinner, FPL

    Love to you 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: 375.95/150
    • little pink purse
    • By little pink purse 15th Apr 18, 3:58 PM
    • 874 Posts
    • 4,050 Thanks
    little pink purse
    Hi Every one
    Sorry been missing again

    its been a hard few weeks Ive been working to much AGAIN
    will cut back

    Family has been crazy got stuck in the middle of a family member lies web then turned it all on me I will not bore you with the details its been like the J.K show
    I've now cut them off sad but I cant cope with liars etc

    I've been eating rubbish and all the wrong things so today I will eat my weight in rubbish and tomorrow is a new day

    the good thing is I been catching up via my phone so I will try and post via my phone

    thank for listening

    talk soon

    lpp xx
    nsd may /10
    feb fuel and food budget 350.00

    debt total highest 66k now 65k
    FIRST DEBT TO BLAST 2142.95 /
    • carrielovesfanta
    • By carrielovesfanta 15th Apr 18, 4:07 PM
    • 1,705 Posts
    • 13,103 Thanks
    carrielovesfanta
    Family has been crazy got stuck in the middle of a family member lies web then turned it all on me I will not bore you with the details its been like the J.K show
    I've now cut them off sad but I cant cope with liars etc
    Originally posted by little pink purse

    Sorry things have been tough lpp. Time to focus on you now x
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 9433.44
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