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  • FIRST POST
    • determined new ms
    • By determined new ms 16th Apr 18, 6:41 AM
    • 6,955Posts
    • 40,892Thanks
    determined new ms
    What small DFW things will you do this week - w/c 16th April?
    • #1
    • 16th Apr 18, 6:41 AM
    What small DFW things will you do this week - w/c 16th April? 16th Apr 18 at 6:41 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
    • Happy Kitties
    • By Happy Kitties 17th Apr 18, 8:48 AM
    • 637 Posts
    • 4,953 Thanks
    Happy Kitties
    Morning everyone

    I hope ur ankle is settling down Ally.

    1LL and Ally thank you for thinking about me. Sometimes I'm a bit too 'life's for living'and when I had chance to be mentored by a paralympian it was too good an opportunity to refuse

    I was like a space cadet yesterday. Had to give up and go to bed 6pm for foot elevation, was listening to the radio and the next thing woke up briefly at 11pm to go to the toilet and crashed again until 6am this morning. Feeling more normal this morning but foot is still swollen but looks more settled and normal swollen......im even confusing myself now!!

    I did manage to get cat cleaning done yesterday, spends book up to date. Surprised that grocery budget is looking so healthy but the eating out budget was hit hard at the weekend so I think at the month end they will just balance each other out

    Planning on going out to get some much needed bits done but weather is awful and get bits together for a meeting tonight.
    Kept heating off which is a good job as woke up to find downstairs window flying about in the the wind. When DD was home we use this window to feed the vacuum plug thru to hoover her car and she hadn't put the latch down after This is the second time she has done it now. Apart from the security risk as it is a big window u could easily climb thru I would have been really unhappy if the heating had kicked in and the heat going straight out

    Going to pull some chicken out of the freezer and get a casserole going in the slow cooker tonight as I have some veg bits that need using up and can be thrown in. It is a big pack of chicken so will get a variety of meals from it......also thinking chicken fried rice

    Have a great day everyone x
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=360.66
    • ziggy2407
    • By ziggy2407 17th Apr 18, 8:53 AM
    • 3,224 Posts
    • 24,963 Thanks
    ziggy2407
    Good Morning All

    Well what a difference a day makes, dull, dreary and windy. Today we will:

    Check Bank & made PAD - Done
    Gym -
    Write up a couple of recipes that are keepers -
    BIG tidy of under sink cupboard (as it's become a dumping ground) -
    Ironing -
    Purge a few emails -
    Enter a few comps -
    Surveys -
    Swagbucks -
    All meals from cupboards/fridge/freezer -
    Check: Tombola Stars, Lucky Bob, Luckyphone, FPL, WinaDinner -
    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: 392.95/150
    • allydowd
    • By allydowd 17th Apr 18, 9:42 AM
    • 4,275 Posts
    • 27,510 Thanks
    allydowd

    I also broke the mini bowl on my food processor last night by doing a Very Stupid Thing. *cough* knife *cough* moving parts *cough*
    Originally posted by carrielovesfanta
    Can you get a replacement from the manufacturer or on eBay?
    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 17th Apr 18, 9:50 AM
    • 4,275 Posts
    • 27,510 Thanks
    allydowd
    Hi April Awesomees,

    A lovely day off. Don't know what we're doing today. DW is waiting for a new bit of photogra-faff kit to arrive today, this may dictate what we do.



    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.


    * My expenses have been paid. Yay. 144.

    * Defrost wraps for dinner tonight.

    * Closed a savings account that I never use.

    * Headphones I won in a competition arrived. Good job as yesterday my existing pair stopped working on one side!

    * Homemade soup for lunch with YS tiger bread. Followed by YS watermelon.

    To live without risk is to risk not living.
    Last edited by allydowd; 17-04-2018 at 1:27 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 17th Apr 18, 9:59 AM
    • 1,710 Posts
    • 13,153 Thanks
    carrielovesfanta
    Can you get a replacement from the manufacturer or on eBay?
    Originally posted by allydowd

    I probably can but I'm debating whether to bother cos I don't use the mini bowl very much
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 10,000!
    • allydowd
    • By allydowd 17th Apr 18, 11:07 AM
    • 4,275 Posts
    • 27,510 Thanks
    allydowd
    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: 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 17th Apr 18, 8:38 PM
    • 5,220 Posts
    • 41,310 Thanks
    DawnW
    Evening all
    Back to cold and windy again here today
    Went out this morning, a store near us is closing down so we went to look at their sale. Nothing we needed / wanted and the prices weren't very tempting anyway. Also went to a local garden centre, as I needed some feed for the orchids that I keep in the bathroom. Bought just this plus a couple of chilli plants. Finally called in to Waitrose as I like their compost, peat free and 8 for 2 x 50l bags Were not tempted by expensive tearoom / cafe at the garden centre, but came home for coffee and a scone instead

    Made a huge pot of bolognese in the SC, using reduced mince I got in Sainsburys yesterday, and veg from the fridge and freezer. Threw in some squishy tomatoes It smelled so good that we had some for dinner instead of what was on the meal plan. The rest is packed in tupperware ready for the freezer.

    Did a survey for Ipsos and discovered that I had enough points for a 4 Amazon gift card, so claimed that. I had 14 of gift cards altogether, all from surveys, which I put towards a birthday present for a family member. Ordered the item so that it arrives in good time

    Not much to report apart from that - had an interesting encounter on a local history FB page, with a lady who was trying to find the house her grandmother had been born in, as part of a genealogy project. Turns out it is the house next to ours. We have the old deeds to our house, going all the way back to when the land was sold for building in 1902, so invited her to pop round to see the old plans etc which show the entire terrace, including her grandmother's old house, and other information on when the houses were bought and sold (several, including ours and the one next door, were bought initially by one person who then rented them out to working families - they were originally built as very modest 2 up, 2 down terraced cottages, now all extended in various ways). Anyway, nice lady, and we had an interesting chat

    Apart from hoovering the stairs that is about it Must make more effort tomorrow!

    • determined new ms
    • By determined new ms 17th Apr 18, 9:06 PM
    • 6,955 Posts
    • 40,892 Thanks
    determined new ms
    that does sound lovely Dawn!
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • PurpleFairy26
    • By PurpleFairy26 18th Apr 18, 3:14 AM
    • 2,343 Posts
    • 15,820 Thanks
    PurpleFairy26
    So, as you can see from the time, night not going to plan. However, I'm putting the insomnia to good use and have just bought some bedroom furniture using discount code from work and using money we'd saved that we were kindly gifted at Christmas. Just made it stretch a bit further. It'll be a long day if I don't get any rest before work, but hey ho. Today's plans:

    Check banking
    Check for refund on cc
    Check surveys
    See if I can redeem another voucher for final item if furniture and purchase
    Some savoury muffins out of freezer for lunch, healthy snacks and hot drink for commute too
    Dd packed lunch
    I think it'll be an early night
    Feed sourdough
    Tea from stores, get something out of freezer on meal plan
    DH to pay planning fee
    Hopefully DH will be able to do a couple of jobs whilst not at work today, we've a leaky tap and a couple of couple of lights that need swapping over. There is also a rumour he might empty the garage and give it a sort out if the weather is set fair, which I think it is.

    Right I'll try and get back on later. Purps.
    • determined new ms
    • By determined new ms 18th Apr 18, 6:40 AM
    • 6,955 Posts
    • 40,892 Thanks
    determined new ms
    Morning Purps eek poor you! Hope you managed to get some more sleep.

    Happy hump day everyone

    Work today and tomorrow

    Things for today:

    * go and wash my hair & let it dry naturally (ha as if I ever do anything else!)
    * read the newsletter
    * checked banking and did a mortgage op
    * I need to make a salad for me, lunch for madam and also eggs, bacon & tomatoes for my breakfast to take
    * wrap & post ebay item
    * check onepoll
    * plant seeds this evening
    * Listen to audio book if I have time/a chance
    * update mileage claim for Sunday and Monday
    * oh to book travel ins & car parking
    * have put load of washing in so I can hang it out before leaving
    * peel, dice, cook, mash & freeze the 8 small swedes I brought allotment yesterday home from the

    Ok that seems like enough. Have a great day everyone
    Last edited by determined new ms; 18-04-2018 at 6:57 AM.
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • foxgloves
    • By foxgloves 18th Apr 18, 7:51 AM
    • 4,290 Posts
    • 22,600 Thanks
    foxgloves
    Morning all,
    Another meeting tonight so I need to eat early, which shortens my day in terms of activities. On today's list re frugal stuff:
    *Make tomorrow's packed breakfast & lunch.
    *Make dough for pizza & a batch of cobs for the freezer.
    *Batch-cook spicy chickpea burgers & garlic flatbreads for the freezer.
    *Freeze 2 spare portions of the smoked haddock chowder I cooked last night.....it was yum, despite tinkering with the recipe to reduce it from 600 calories per portion to 311.
    *Put a wash on, as it's pegging out weather.
    *Check on baby veggie plants in greenhouse.
    *Top up worm composter. I want to maximise compost from it this year, sp I need to keep them busy.
    *Clear out cat cupboard - this fell off yesterday's list but I need to do it for plumber to gain access to the weirdest leak I've ever seen from a tap. Will declutter while I'm at it.
    *Talking of Cat.....intend to brush him today to check for injury.....he's a big boy but he lost a fight to the local hoodlum cat last night & I've had a lot of expensive vet bills as the result of such activity in the past.
    *Nobbled mr f about lawn mowing on Sun if dry so I can cut the edges & make this year's bed for beans & courgettes.
    *De-humidifyer off. Windows open for free ventilation.
    Ok, better make a start on clearing breakfast pots or I shall still be messing around with chickpeas 5 mins before I need to leave for my meeting.
    Have a good one, 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
    • DawnW
    • By DawnW 18th Apr 18, 8:28 AM
    • 5,220 Posts
    • 41,310 Thanks
    DawnW
    Morning all
    Didn't get up till just after 7 this morning, which is pretty unheard of for me!
    PF, that WAS an early start - hope you are ok
    We had planned a picnic and a walk at a local attraction we have membership of, but it appears the birthday present I ordered yesterday is to be delivered today, so will need to wait in for that Frantic (and expensive) run of family birthdays is now nearly over, thank goodness, with no more till August Parcel arrived early afternoon
    So, change of plans:
    Wash hair and allow to dry naturally (I always do this too DNMS, but others mention it in their lists, so thought I would too ) Done
    Strip bed and wash linen - it looks like being a nice sunny day for outside drying Done, all dry, but swapped from winter (brushed cotton) to summer (thin cotton) duvet covers
    No food shopping needed (or indeed any other shopping!) Nothing spent
    Sort out and tidy the flower pots in front garden, cut down straggly bits, pull out weeds and sprinkle compost and cheap mixed annual flower seeds in the gaps Done
    Kill the huge slugs inside the lid of the compost bin Not done - it got hot and they disappeared down into the compost I assume I will look again tomorrow early morning.
    Check banks and update spreadsheet if need be Still to do
    Look for surveys, savings made on the birthday present I ordered yesterday have spurred me on with this - I do find it extremely boring for the most part, but like the vouchers that it earns! A few for onepoll, might check prolific in a minute!
    Sprinkled sulphate of iron stuff on established ericaceous plants, growmore on unfussy ones, watered pots, sorted out loads of bamboo canes for freecycling. I will keep some, but am not sure why there are so many
    Took dog out in the car after the parcel arrived, to a local beauty spot for a walk. Get a bit fed up with just walking round town - and it was such a lovely afternoon
    Redid freezer inventory - I am equally as guilty as OH at not crossing things off when I take them out.
    Took out some diced parsnip and converted it into soup for lunch
    Some of the bolognese I made yesterday for dinner, with the last of the potatoes half-baked and a couple of spoonfuls of leftover coleslaw

    That is all I can think of at the moment, so will be back later to update Hope everyone else is having a lovely sunny morning wherever they are!
    Last edited by DawnW; 18-04-2018 at 7:05 PM.

    • carrielovesfanta
    • By carrielovesfanta 18th Apr 18, 8:34 AM
    • 1,710 Posts
    • 13,153 Thanks
    carrielovesfanta
    Morning folks

    Blimey PF - I hope you're ok today!

    It's finally spring! And today is my Friday!

    Quick round up from yesterday:

    • B/L/D from stores - done
    • OH to do housework - done
    • Do not kill people at work - done
    • Charge phone in work - done
    • Gym at lunch time - done
    • No alcohol - decided to have one nice glass of wine
    • Poss cast on second sock tonight if time - nope but fixed OH's waistcoat
    • Put washing out - done
    • Quick nose in the garden - done
    Originally posted by carrielovesfanta
    Today's mission:
    • B/L/D from stores
    • Ask OH to nab a cheap beer from his mum's to bait the slug trap - done
    • Think lovely gardening thoughts - done
    • Charge phone in work - done
    • Gym at lunchtime - done
    • No alcohol
    • Def no heating!
    • Also washed my hair and left it to dry naturally - thought I should join the confession club - done
    Not much doing today

    Have a good one all

    clf x
    Last edited by carrielovesfanta; 18-04-2018 at 1:30 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 10,000!
    • ziggy2407
    • By ziggy2407 18th Apr 18, 10:44 AM
    • 3,224 Posts
    • 24,963 Thanks
    ziggy2407
    Good Morning All

    Looking like a beautiful day, I wasted yesterday as after the gym and shower I fell asleep . Today we will:

    Check Bank & made PAD - Done
    Chop & freeze bag of peppers - Done
    Write up a couple of recipes that are keepers -
    BIG tidy of under sink cupboard (as it's become a dumping ground) -
    Plant some seeds -
    Walk (lucky to live in the greenest city in Europe allegedly) -
    Class 8 of course -
    DS to footie training -
    Purge a few emails -
    Enter a few comps -
    Surveys -
    Swagbucks -
    All meals from cupboards/fridge/freezer -
    Check: Tombola Stars, Lucky Bob, Luckyphone, FPL, WinaDinner -
    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: 392.95/150
    • carrielovesfanta
    • By carrielovesfanta 18th Apr 18, 11:49 AM
    • 1,710 Posts
    • 13,153 Thanks
    carrielovesfanta
    The air smells like spring today... it's making me all excited
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 10,000!
    • little pink purse
    • By little pink purse 19th Apr 18, 9:38 AM
    • 875 Posts
    • 4,059 Thanks
    little pink purse
    Good Morning ladies and lads

    thanks for all the kind words the other day
    always know where to come when things get hard

    we had a weekend away a few weeks ago all done on the cheap lol
    but i came back with the cold it came to a head so spent the last few days sleeping so back on my feet today

    today's to do list

    check banking
    order meds
    clean small bathroom
    wash on
    do a months worth of accounts
    go to slimming world still fighting the flab
    hoping the weather hold for the weekend so i can get it cleaned up from the winter

    have a great day lpp xxxx
    nsd may /10
    feb fuel and food budget 350.00

    debt total highest 66k now 65k
    FIRST DEBT TO BLAST 2142.95 /
    • allydowd
    • By allydowd 19th Apr 18, 11:12 AM
    • 4,275 Posts
    • 27,510 Thanks
    allydowd
    Hi April Awesomees,

    Go to work, sleep, rinse and repeat.



    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.




    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
    • Happy Kitties
    • By Happy Kitties 19th Apr 18, 12:56 PM
    • 637 Posts
    • 4,953 Thanks
    Happy Kitties
    Afternoon everyone

    I'm dodging paperwork but must get an important bit done in a minute.
    Productive morning
    -portioned up the chicken casserole as made last night throwing in any bits of veg not looking it's best.
    Only used half the chicken fillets, they are massive so plan to stuff the other 2 today and bake. Will slice one ready for sandwiches instead of me buying any fillings.
    -posted RM survey items
    - bought perfume for DD to put away for Christmas. It was on a special offer, I had vouchers from the RM surveys, and an extra coupon giving me 250 points meaning I could order a birthday present for DD boyfriend for free using points.
    - have a baptism coming up of 3 children so trying to get cards etc from both me and my mum.

    Banking all checked
    Spends book up to date.
    Cats all sorted
    Some paperwork has been done but must crack on and do more
    It's warm but not really very warm, heating off, cardigan is on and windows are open to give the house some fresh air
    Actually feeling more human today after the weekend!!!
    Have a great day everyone x
    Last edited by Happy Kitties; 19-04-2018 at 12:57 PM. Reason: Spelling
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=360.66
    • ziggy2407
    • By ziggy2407 19th Apr 18, 12:57 PM
    • 3,224 Posts
    • 24,963 Thanks
    ziggy2407
    Good Afternoon All

    Another beautiful day, Today we will:

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

    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: 392.95/150
    • DawnW
    • By DawnW 19th Apr 18, 2:00 PM
    • 5,220 Posts
    • 41,310 Thanks
    DawnW
    Afternoon all
    Spendy day, been to the market this morning, to buy the week's fruit and veg (or most of it) - though that was pretty cheap. But also needed fuel (again )
    And had to buy some new shoes - I have been wearing my boots but they are too hot now. I have dressy shoes, but my last everyday type pair fell apart.
    OH has gone to a funeral - I was intending to accompany him, but woke up with the start of a cold, so decided not to share my germs around in a confined space.
    Got a new date for my gall bladder surgery -also need ANOTHER pre-op check as the previous one is now out of date, as it happened more than 4 months ago. The last one took more than an hour of a nurse's time, and was obviously a complete waste of that valuable time Anyway, I will go to the pre-op check (again) but will not think about the op, as it may not happen (again).
    Vacuumed lounge, bedroom and landing
    Parsnip soup left over from yesterday for lunch
    Checked banks and updated spreadsheets

    Still to do:
    Clean boots, check soles etc and put away if ok - they will do another year, will get them repaired if need be
    Squeeze juice from some limes that have been looking beautiful on a lovely old (cracked) majolica plate They have gone a bit dull looking now. I will freeze the juice to use in curries etc.
    Post RM surveys item and another couple of things - free stamps used
    See if any of the seedlings need watering
    Walk dog later

    Beautiful day again today

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