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  • FIRST POST
    • allydowd
    • By allydowd 6th May 18, 11:28 PM
    • 4,102Posts
    • 26,246Thanks
    allydowd
    What small DFW things will you do this week - w/c 7th May?
    • #1
    • 6th May 18, 11:28 PM
    What small DFW things will you do this week - w/c 7th May? 6th May 18 at 11:28 PM
    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
    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
Page 2
    • 1LuckyLady
    • By 1LuckyLady 8th May 18, 9:05 AM
    • 802 Posts
    • 7,458 Thanks
    1LuckyLady
    Morning all,

    Ccl, I hope work goes ok (and Ally too!)
    Dawn & Dnms, hope you enjoy your holidays
    Ziggy, hope you are feeling brighter today.

    Todays list from me
    * ds1 finished the last of the ys bread with his eggs for breakfast
    * ds2 settled for ys crumpet and some cereal
    * both kids on school buses today as I'm not at the gym so no fuel spend there
    * doctors appointment in a little while, I've got the letter from the hospital for ds2 with me to discuss and I've written down all my aches and pains so I don't come away wishing I'd mentioned this that or the other as I have in the past! (I rarely go the the Gp for myself!)
    * cook gammon joint to go with salad for our meals tonight
    * check banking/update spreadsheet
    * need to measure up letter box as our plate keeps falling off the door, we've did a temporary fix on it last year which worked quite well but its falling off every other day now so will replace
    * more painting round the tenants house - just stone work around their windows to be done today is the plan
    * iron a few bits and get the rest of the dried washing away
    * make families lunches for tomorrow

    Hope everyone has a good day. I'm hoping for a quick trip to drs as its an early-ish appointment so that I can get lots done (depends which dr is on, the main one usually runs at least an hour behind time but when you do see him you do feel like he's spending time on you if you know what I mean. He's an old dr, who likes to talk and remembers details about the family etc.

    Right off I go.

    Take care all.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • PurpleFairy26
    • By PurpleFairy26 8th May 18, 9:05 AM
    • 2,160 Posts
    • 14,615 Thanks
    PurpleFairy26
    Enjoy your breaks Dawn and determined
    Hope work is ok ally and CCL
    Hope you're feeling ok Ziggy
    1luckylady hope the atmosphere at home has cleared

    I thought I was in the office today until I checked my phone to see what time my first meeting was and realised I'm at a meeting this afternoon in another town so hopefully I can get a few jobs done this morning. I've already done a few:

    Checked banking, update sheet and overpayment to loan -done
    Made meatballs for a few lunches this week -done
    Cooked some chicken for tea - done
    Fill in insurance form and take to vet and pick up some medication already paid for
    Move some money from pots back to bank account
    Maybe some yoga at home later
    Work will pay for lunch, must not get excited at being out and stick to food plan
    My lunch I'd made for today I'll take tomorrow
    Home pedicure tonight
    Balance just for point cc
    Washing out, at least 1, hopefully 2 loads
    Triage fridge - done

    Right, must get on and see what I can achieve in the next two hours before I need to leave.
    • spudsmum
    • By spudsmum 8th May 18, 10:02 AM
    • 217 Posts
    • 1,300 Thanks
    spudsmum
    Hi all,

    I'm also still here but nothing much to contribute. Just feel like, after a few good months, I've pretty much ground to a halt. Still plugging away but not seeming to get anywhere fast especially with debt repayments - I've only managed to pay off an extra 23 in the past couple of weeks which is a drop in the ocean against the 19k I owe. It's very tempting to throw in the towel and have a splurge but I'm not going to. I have noticed a few things sliding though - not being so strict with budgets and making little purchases here and there means I've not really managed any NSD's either. I'm mad at myself and determined to nip it in the bud ASAP.

    Todays small things:

    Hopefully NSD
    Going to mums for tea so using her food, electric etc
    Water veggie plants which are doing well
    Do "monday" banking and transfer money to all saving pots
    Pay money across from insurance pot to cover insurance premium going out tomorrow
    Deliver some baby stuff I've sold online on way out for work.

    Think thats it - hope you all have a lovely sunny day where you are
    Total debts 21050! now 19977 . 1% challenge 812.50/15000 (5.42%) 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!
    • crazy_cat_lady
    • By crazy_cat_lady 8th May 18, 12:57 PM
    • 3,509 Posts
    • 30,038 Thanks
    crazy_cat_lady
    Hi everyone


    It's only lunchtime but I am absolutely shattered. Really pleased I came back on a quiet teaching day so that I could get a start on stuff.
    So far I have
    brought in my breakfast and lunch from home to save money and aim for a nsd.
    Checked my banking which is already far too scary for my liking this early on in the month
    written a to do list for work as there are a couple of big things I need to catch up on (like Parents Evening tomorrow)
    Not too much mse going on today - it's all about work.
    Ziggy - hope you're ok today.
    DNMS - enjoy the hols!
    DFD 6 Nov 15 - paid 28,447
    • allydowd
    • By allydowd 8th May 18, 2:50 PM
    • 4,102 Posts
    • 26,246 Thanks
    allydowd
    Hi May Moneysavers,

    Stlll my weekend here
    .


    Debt-Free-Nillionaire Continuity Plan Year Four:

    * 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.

    * Celebrating my Debt Free Anniversary today with homemade waffles.

    * Bought a SatNav. Sick of getting lost and wasting fuel.

    To live without risk is to risk not living.
    Last edited by allydowd; 08-05-2018 at 2:57 PM.
    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
    • E11ie
    • By E11ie 8th May 18, 4:59 PM
    • 21 Posts
    • 87 Thanks
    E11ie
    Hi Everyone

    Can't believe Tuesday is nearly over, I worked yesterday and today which was a NSD - hard work given 2 people offered to pick me up an iced smoothie from Costa, especially given how hot it was. Anyway I was very proud to keep to my NSD goal and added another 2.50 to my resisted purchases savings pot lol. I also took healthy packed lunches in both days.

    For the rest of the week I aim to:
    • Use the gym at least 3 times (1 trip done today) and fill my water bottle while there too
    • Take old clothes to be sold at a recycling place nearby - only 50p a kg but it all helps
    • Go and join the local library
    • Ring Vodafone AGAIN, as our previously intermittent internet is now no internet at all (3 days and counting, using my phone as a wifi hotspot right now) I will try and persuade them to credit my bill.
    • Do some baking to use up items in the cupboard
    • Post eBay sales
    • Update spreadsheet
    • Swagbucks

    Hope you all have a good rest of the week
    Total debts 5432/5596 all currently on 0% interest
    Make 2018 in 2018 = 321
    • carrielovesfanta
    • By carrielovesfanta 8th May 18, 5:02 PM
    • 1,533 Posts
    • 11,715 Thanks
    carrielovesfanta
    • Ring Vodafone AGAIN, as our previously intermittent internet is now no internet at all (3 days and counting, using my phone as a wifi hotspot right now) I will try and persuade them to credit my bill.
    Originally posted by E11ie

    Good luck... I'm with Vodapants and I feel your pain.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 9433.44
    • determined new ms
    • By determined new ms 8th May 18, 8:19 PM
    • 6,833 Posts
    • 40,013 Thanks
    determined new ms
    [*]Ring Vodafone AGAIN, as our previously intermittent internet is now no internet at all (3 days and counting, using my phone as a wifi hotspot right now) I will try and persuade them to credit my bill.
    Originally posted by E11ie
    I hate vodapants ( CLF!) but was with them for a decade. They took over 300 from my account - fair enough I went over my minutes but it was at a terrible time in our lives (our granddaughter came to live with us due to my daughter's illness and I was having to make a lot of calls because of the situation. We were broke and suddenly had 900 extra pcm to find to cover childcare costs. Their attitude stank.

    I made them pay for it for about 3 years. Each year telling them I wanted to cancel as I HATED them. I got unlimited packages for about 6pm after that. Until this year and I terminated my relationship with them. Never again will they get a penny from me!
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • determined new ms
    • By determined new ms 8th May 18, 8:22 PM
    • 6,833 Posts
    • 40,013 Thanks
    determined new ms
    spudsmum just wanted to say try not to beat yourself up. It's like that, ups and downs. Once the bigger stuff is done you're in the long haul territory and need to find ways to keep motivated. That's why this small things thread was started, keep us all plodding on with a bit of camaraderie. Remember you are doing fantastically!
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • E11ie
    • By E11ie 8th May 18, 8:30 PM
    • 21 Posts
    • 87 Thanks
    E11ie
    Vodapants! AMAZING!!

    This is just the latest in a looooong line of mistakes, such as sending a new phone to an old address that had been removed from my account a year previously, cutting off phone 1 when I requested they terminate phone 2 from the contract, then taking 3 days to reconnect it and charging 314 for an "early cancellation" fee. I could go on, I won't!!

    I like the idea of making them PAY though, I was going to cancel my contract as soon as I can (November) but I will certainly try the "I hate you guys" route - it's true!
    Total debts 5432/5596 all currently on 0% interest
    Make 2018 in 2018 = 321
    • Slytherin
    • By Slytherin 8th May 18, 10:55 PM
    • 40 Posts
    • 46 Thanks
    Slytherin
    I usually spend 4.95 per week on bottled water (the tap after at work is undrinkable) but I've found another shop with larger bottles for cheaper meaning I can now spend 2 per week and have more water for my buck! This will save me over 140 per year
    • PurpleFairy26
    • By PurpleFairy26 9th May 18, 6:17 AM
    • 2,160 Posts
    • 14,615 Thanks
    PurpleFairy26
    Morning all my early day for me so a quick post to keep me on the straight and narrow before I head out the door:

    Hot drink for commute
    Lunch is left over tea from ast night as I couldn't finish it
    Tea will be yesterday's lunch
    Refilled bottled at home to take
    Some steps in at lunchtime with a walking group
    Get DH to take insurance form if he can, although he's sans car as it's having it's mot so I might have to do it tomorrow
    Check banking, update sheet
    Double check tonight I have the presents needed for all the May birthdays, cards from my stash
    Check nothing needs watering tonight
    Hopefully gym tonight as I don't want to be late Home as I'm in early (famous last words)
    Stick to food plan

    Have a good day folks. Purps.
    • determined new ms
    • By determined new ms 9th May 18, 6:27 AM
    • 6,833 Posts
    • 40,013 Thanks
    determined new ms
    Morning purps Hope you have a great day! We're off airport bound around 10 but before we go I need to:

    * make lunches/food to take
    * triage fridge, freeze anything that can be!
    * call school and mark madam as absent for the next week (luckily she is still 4 so apart from general disapproval nothing can be done!)
    * hang up load of washing done last night on clothes horse
    * go through mine and madam's hair with a fine toothed comb
    * repot my seedlings and give neighbour key to water for us
    * split & repot shop bought basil plant

    Think that's it! We have got sandwiches, fruit, crisps and more fruit for the journey to stop oh from spending all our cash at the airport! We arrive at the airport around 9pm our time so hopefully it's enough for madam not to be starving!

    Hope you all have a lovely week x
    Last edited by determined new ms; 09-05-2018 at 8:19 AM.
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • carrielovesfanta
    • By carrielovesfanta 9th May 18, 8:14 AM
    • 1,533 Posts
    • 11,715 Thanks
    carrielovesfanta
    I usually spend 4.95 per week on bottled water (the tap after at work is undrinkable) but I've found another shop with larger bottles for cheaper meaning I can now spend 2 per week and have more water for my buck! This will save me over 140 per year
    Originally posted by Slytherin

    Could a water filter jug be an option? I bought a cheap one from Argos for the same reason


    Or even petition the management for a water cooler?
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 9433.44
    • carrielovesfanta
    • By carrielovesfanta 9th May 18, 9:39 AM
    • 1,533 Posts
    • 11,715 Thanks
    carrielovesfanta
    Hey folks

    A quick drop-in as work very busy. Will add bits as I can.

    Sad times this morning as the slugs/snails ate my last cucamelon seedling. Only 5 tomatoes remaining out of everything I tried to grow now

    Right then... the list:

    *B/L/D from stores - done
    *Gym at lunchtime - done
    *Check greenhouse. Bring pots in overnight.
    *Salted some more slugs and snails this morning. Will repeat this evening.
    *Charge phone in work - done
    *No alcohol
    *Asked OH to pop the washing out. Supposed to rain later but decided to
    chance it. - done
    *Messaged TSB to ask about the fact that pending transactions are just sitting around for days and not clearing. - done
    *Work out meal plan and shopping for next week
    *Think about what I want to do this weekend. I have several sewing projects outstanding that probably need looking at. I'll be honest... I'm not keen on sewing. I feel like I should be... but I kinda find it stressful.


    URGH am still at work

    Have a good one all

    clf x
    Last edited by carrielovesfanta; 09-05-2018 at 8:36 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 9433.44
    • thegirlinthegreenscarf
    • By thegirlinthegreenscarf 9th May 18, 11:55 AM
    • 72 Posts
    • 157 Thanks
    thegirlinthegreenscarf
    Good Morning I know I am kind of on and off here sporadically, but today I cancelled by Equifax d/d. It was a total faff as I couldn't do it with my bank, I had to go online, reset my username/password to access my account. But I am now 2.99/month better off!
    MBNA 2000 1,566.22 (Expected date Dec/2019)
    CAR 3000
    2,520 (Interest free loan from family member)



    **Want to be on my way to being debt free for 40**
    • ziggy2407
    • By ziggy2407 9th May 18, 11:57 AM
    • 3,085 Posts
    • 23,345 Thanks
    ziggy2407
    Good Morning All

    Woke up this morning with a stonking cold. Today we will:

    Check Bank & made PAD - Done
    Pay bags of coins from DS's moneybox into Bank - Done
    Washing & line dry -
    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 -
    Knit -

    Have a great day all.

    C x
    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
    • thegirlinthegreenscarf
    • By thegirlinthegreenscarf 9th May 18, 12:10 PM
    • 72 Posts
    • 157 Thanks
    thegirlinthegreenscarf
    Hi all,

    I'm also still here but nothing much to contribute. Just feel like, after a few good months, I've pretty much ground to a halt. Still plugging away but not seeming to get anywhere fast especially with debt repayments - I've only managed to pay off an extra 23 in the past couple of weeks which is a drop in the ocean against the 19k I owe. It's very tempting to throw in the towel and have a splurge but I'm not going to. I have noticed a few things sliding though - not being so strict with budgets and making little purchases here and there means I've not really managed any NSD's either. I'm mad at myself and determined to nip it in the bud ASAP.
    Originally posted by spudsmum

    Don't be mad at yourself, its tiring being careful and 23 is better than none at all, And far better than making the situation worse. I went through some self-loathing about my situtation too, but it is not going to help. Just try to use it to help you focus on staying on track. I know you (we) have debt but maybe you need to allow yourself a small treat every so many weeks to help you stay focussed. Be kind to yourself.
    MBNA 2000 1,566.22 (Expected date Dec/2019)
    CAR 3000
    2,520 (Interest free loan from family member)



    **Want to be on my way to being debt free for 40**
    • 1LuckyLady
    • By 1LuckyLady 9th May 18, 1:45 PM
    • 802 Posts
    • 7,458 Thanks
    1LuckyLady
    Hi all,

    Late check in from me as yesterdays doctors appointments didn't turn out as expected and its meant a trip to take ds2 for blood test first thing this morning then me for an xray, then ds2 to the GP's. Got him to school for 11.45am, he was happy, I was more then a little stressed!
    Ds1 just text to say he's lost his gym kit too

    Todays list
    * ys crumpets for breakfast
    * washing done on quick wash and hung on the line to dry
    * ds2s alarm clock switched off at the socket
    * check banking
    * forgot to take a drink we us to the hospital and we were there too early so popped into costalot, ds & I shared a hot chocolate and I bought him a cake for after his blood test but didn't buy myself one so a little saving there!
    * bought some gloss paint from the range - 7 cheaper then I'd been able to find it online/b&q/Homebase etc
    * run dishwasher on quick wash
    * lunch was the jacket potato I didn't eat last night with some salad I'd prepped for tonights meal.
    * tonights meal is gammon from yesterday with salad & jacket spud

    Hopefully I'll add more as the afternoon goes on but I better get something done now!
    Dnms, have a lovely holiday
    *
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • crazy_cat_lady
    • By crazy_cat_lady 9th May 18, 9:04 PM
    • 3,509 Posts
    • 30,038 Thanks
    crazy_cat_lady
    Wow 1LL - you sound as though you've had a hectic couple of days! I really hope that it's all good news in the end.
    Spudsmum - I just wanted to echo what DNMS said about once you're in for the long haul. It can get demotivating, but don't give up. You will get there.
    Ziggy - hope you feel better soon.
    I've had another busy day at work - less tired than I was yesterday but still plenty going on and not a quiet moment. It was Parents Evening tonight and I also had a meeting with the lovely lady who is going to look after our cats when we're away at the end of the month. By the time I was done it was after 8pm, and due to my poor planning the kids had convinced me to order takeaway for tea. That has scuppered my nsd and I'm a bit annoyed, but I am still finding my feet with my new way of life so trying to stay a bit kind to myself. (Sorry if that sounds like a cop out)
    Haven't gotten much other stuff done as I've been a bit too busy....
    DFD 6 Nov 15 - paid 28,447
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