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  • FIRST POST
    • allydowd
    • By allydowd 14th May 18, 6:12 AM
    • 4,367Posts
    • 28,255Thanks
    allydowd
    What small DFW things will you do this week - w/c 14th May?
    • #1
    • 14th May 18, 6:12 AM
    What small DFW things will you do this week - w/c 14th May? 14th May 18 at 6:12 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
    Debt-free day: 8th May 2015
    The Joy Account: £5
    0
    Bold 100 Miles Bicycle Bonanza Challenge: Completed
    Run 25 Miles for Sanity Challenge: Completed
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
Page 1
    • allydowd
    • By allydowd 14th May 18, 6:14 AM
    • 4,367 Posts
    • 28,255 Thanks
    allydowd
    • #2
    • 14th May 18, 6:14 AM
    • #2
    • 14th May 18, 6:14 AM
    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: £5
    0
    Bold 100 Miles Bicycle Bonanza Challenge: Completed
    Run 25 Miles for Sanity Challenge: Completed
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • allydowd
    • By allydowd 14th May 18, 6:24 AM
    • 4,367 Posts
    • 28,255 Thanks
    allydowd
    • #3
    • 14th May 18, 6:24 AM
    • #3
    • 14th May 18, 6:24 AM
    Hi May Moneysavers,

    It's my weekend. Phew!

    Dawn good luck.


    Debt-Free-Nillionaire Continuity Plan Year Three:

    * Work very hard on my own mental health issues. Do Holistrio App. Had just the one terrible moment this week but I'm OK now.

    * Check online banking and broadband usage.


    * Turned off alarm clock until tonight, it resets itself automatically.

    * Off to look at a secondhand car this morning. If "I" buy it the money will come out of DW's savings and I will then repay her by Decemberfest.


    * Defrost batchcooked soup for lunch later.

    * Argue with stupid car insurance company.

    More later...


    To live without risk is to risk not living.
    Last edited by allydowd; 14-05-2018 at 8:20 AM.
    Debt-free day: 8th May 2015
    The Joy Account: £5
    0
    Bold 100 Miles Bicycle Bonanza Challenge: Completed
    Run 25 Miles for Sanity Challenge: Completed
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • carrielovesfanta
    • By carrielovesfanta 14th May 18, 9:09 AM
    • 1,818 Posts
    • 14,103 Thanks
    carrielovesfanta
    • #4
    • 14th May 18, 9:09 AM
    • #4
    • 14th May 18, 9:09 AM
    Morning folks

    Ally - thanks for starting us off. Have a lovely weekend!

    Dawn - I hope all goes well today

    Feeling a bit so-so today but hopefully will calm down and soldier on. Lots to do in work and having licence issues.

    Today's list:
    • B/L/D from stores
    • Go for walk at lunchtime if haven't calmed down. Gym if I have. - nice walk with my colleague
    • Put the blimming washing away!!
    • Knit commission sock.
    • Reply to freecyclers.
    • No alcohol
    • Chat to Npower to clarify prices in app. Says we are using a lot less than I'm being charged for but I suspect that the app is showing me the gas and elec usage MINUS the standing charge and VAT - after frustrating chatbot experience, have been advised to email
    Not much doing today

    Have a good one all

    clf x
    Last edited by carrielovesfanta; 14-05-2018 at 1:28 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £10,000!
    • PurpleFairy26
    • By PurpleFairy26 14th May 18, 1:51 PM
    • 2,409 Posts
    • 16,372 Thanks
    PurpleFairy26
    • #5
    • 14th May 18, 1:51 PM
    • #5
    • 14th May 18, 1:51 PM
    Afternoon all. Dawn hope all is well and your lack of morning post means you haven't been cancelled. Productive day so far:

    Made chocolate cake with beetroot to use up some I bought that I wasn't a fan of (beetroot not chocolate )
    Pizza dough in BM to use up some mozzarella we didn't finish yesterday
    Met friend for coffee, she treated us halo in tact as didn't succumb to tasty food
    Haven't managed a run whilst smalls are at school, so will try and go later when DH is back
    Used something from freezer for lunch
    Started to prep tomorrow nights tea whilst I had a chance this morning
    More washing on line, will load another for tonight
    Check banking, update sheet
    Leave for swimming 10 minutes early to drop this form at the vets that I've not managed to do yet
    Dd to prepaid swimming lessons
    Flylady of bathroom

    Hope everyone is ok.
    • Happy Kitties
    • By Happy Kitties 14th May 18, 2:11 PM
    • 680 Posts
    • 5,297 Thanks
    Happy Kitties
    • #6
    • 14th May 18, 2:11 PM
    • #6
    • 14th May 18, 2:11 PM
    Many thanks for the start off Ally

    Thinking of DawnW hope everything goes okay.

    Funny kind of morning. Up in the middle of the night after one of the cats refused to come in last night and then decided to get into a fight 2.30am so slept in this morning.

    Managed to get some paperwork done-finally!!
    Also shredded some old paperwork that is no longer needed
    RM survey items done this morning, have nearly caught up.
    Cat cleaning all done.
    Despite the nice weather had my slow cooker leek and potato soup for lunch-one of the best so far. DD has put in a request for a batch when back home
    Washing out, including bedding washed from yesterday
    Only 79p spent this morning-planned spend
    Made a slow start on packing up the living room ready for decorating

    Still need to write letter to friend......not in the mood at the minute but will get it done.....maybe start tonight.
    Think that's about it from me so far, have a great day everyone x
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=360.66
    • allydowd
    • By allydowd 14th May 18, 4:15 PM
    • 4,367 Posts
    • 28,255 Thanks
    allydowd
    • #7
    • 14th May 18, 4:15 PM
    • #7
    • 14th May 18, 4:15 PM
    * Off to look at a secondhand car this morning. If "I" buy it the money will come out of DW's savings and I will then repay her by Decemberfest.



    * Argue with stupid car insurance company.


    Originally posted by allydowd
    Said car has been acquired.

    Argument won.
    Debt-free day: 8th May 2015
    The Joy Account: £5
    0
    Bold 100 Miles Bicycle Bonanza Challenge: Completed
    Run 25 Miles for Sanity Challenge: Completed
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • foxgloves
    • By foxgloves 14th May 18, 4:52 PM
    • 4,397 Posts
    • 23,462 Thanks
    foxgloves
    • #8
    • 14th May 18, 4:52 PM
    • #8
    • 14th May 18, 4:52 PM
    Hi Monday Savers,
    Huge job list today. The money saving bits of it as follows:
    *Read meters & uploaded hopefully in time for bill.
    *Did my mid-month budget check-in.
    *Moved some funds around to keep different strands of budget accurate.
    *Updated grocery budget.
    *Paid 4 x 50ps into my sealed pot.
    *Sorted M&S and Co-op vouchers into voucher stash.
    *Did rubber chicken. It did roast dinner last night, will provide a salad with couscous tonight, a stir-fry tomorrow, a sandwich & a box of odds & ends to freeze for the next time mr f has the urge to make an Epic Man Stew.
    *Overnight laundry done on cheap tariff & all line dried in the sunshine for free.
    *Baked bread.
    *Made tomorrow's packed lunch.
    *Did a few surveys.
    *Filing (still to do)
    *Updated signature to reflect new survey earnings total so far for 2018.
    *Wrapped ebay item which unexpectedly sold last week.
    *Finish sock.
    *Checked expiry date on the voucher I got from the Body Shop for my birthday - another couple of weeks to go.
    *Watered veggie plants.
    *Checked online banking to see if mr f's £50 Ugov payment has landed yet. Nope, but should be soon.
    OK, must crack on. Hope Dawn is doing ok. Nice to read what you've all been up to.
    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 = £398
    • ziggy2407
    • By ziggy2407 14th May 18, 8:24 PM
    • 3,276 Posts
    • 25,739 Thanks
    ziggy2407
    • #9
    • 14th May 18, 8:24 PM
    • #9
    • 14th May 18, 8:24 PM
    Good Evening All

    Ally - Thanks for starting us off today
    Dawn - Hope all has gone well today, rest and take it easy now

    Hi to all of the regulars and a BIG welcome to all the newbies, this is a really FAB thread with so many lovely, caring, considerate and supportive people.

    Managed to get a Dr's appointment and just have to "keep on keeping on" - the joys of having a damaged and weak immune system but at least my mood is improving since joining the gym/rehab and also loving that we are walking most days, amazing really how many wonderful places there are to walk on our doorstep. Dr did say to make the most of my good days and just accept that some days will be harder but to enjoy the "small things". Today we have:

    Checked Bank & made PAD
    DH cleaned front door and patio doors (inside and out)
    All meals from cupboards/fridge/freezer -
    Checked: Tombola Stars, Lucky Bob, Luckyphone, FPL, WinaDinner -
    Read

    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: £442.99/£150 Make £5 per day Oct: £87.12/£155 Make £5 per day Nov: £2/£150
    • crazy_cat_lady
    • By crazy_cat_lady 14th May 18, 9:31 PM
    • 4,126 Posts
    • 35,315 Thanks
    crazy_cat_lady
    Evening everyone
    Thinking of you Dawn and Ziggy. Hugs to you, and anyone else that wants or needs them
    Happy new car Ally
    Quite a productive day for me today, albeit very up and down mood wise. Saw my hubby again today which is difficult for me at the moment - everything is still very fresh. However, in small things news...
    nsd
    swallowed a couple of frogs by making phone calls I had been putting off
    all meals from stores
    all school work caught up (until tomorrow)
    stayed late at work to help stressed Y11 who have their first science exam tomorrow.
    prepared overnight oats ready for breakfast tomorrow
    I feel like I got lots done today so I'm pleased with that.
    November in NY #20 NSD = 9 1 debt vs 100 days £328.51/£1685
    DFD #1: 6 Nov 15 - paid £28,447
    • PurpleFairy26
    • By PurpleFairy26 15th May 18, 8:24 AM
    • 2,409 Posts
    • 16,372 Thanks
    PurpleFairy26
    Morning all

    Dawn hope you're feeling ok today, you too Ziggy and cat was thinking of you last night, hope the first exam is ok today for your yr 11s

    Today:
    Make bolegnase for tea - done
    Make shakuka for breakfast for tomorrow - done
    1 load of washing out, another going in a minute
    Check banking - update sheet - done
    Load dishwasher - done
    Hot drink for commute made with morning cuppa - done
    Packed lunches etc from what we have - done
    Small to prepaid activities tonight, lots of steps walking there and back several times
    Check nothing needs watering later
    Print off return voucher at work
    Cash out small amount from £co and pay to loan
    Still didn't manage to drop that form at vets, must try later
    Try not to tell anyone at work to done one, not in the mood today
    Make something for tomorrow's tea tonight to try and stay ahead of the game

    Enjoy the sunshine folks. Purps.
    • carrielovesfanta
    • By carrielovesfanta 15th May 18, 8:32 AM
    • 1,818 Posts
    • 14,103 Thanks
    carrielovesfanta
    Morning all

    Big hugs to Dawn, Ziggy, CCL and everyone else

    Feeling a bit ropey today. Very tired and a bit light headed. I don't need to be ill thank you very much - I'm off on holiday on Thursday!

    Today's mission:
    • B/L/D from stores
    • No alcohol (did end up taking the freelancer for a pint last night as he looked very stressed out)
    • Charge phone in work - done
    • Let OH know about freegler coming to pick up thing - done
    • Washing out on line - done
    • Knit sock
    • Early night
    That's me. Attempting to feel better.

    Have a good one all

    clf x
    Last edited by carrielovesfanta; 15-05-2018 at 1:38 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £10,000!
    • allydowd
    • By allydowd 15th May 18, 8:54 AM
    • 4,367 Posts
    • 28,255 Thanks
    allydowd
    Hi May Moneysavers,

    It's still my weekend and I'm up before DW trying to tie up all the dull jobs before we go out and enjoy some Scottish sunshine. (It could be warm enough to just wear the one dufflecoat.)

    Dawn, thinking of you.


    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.
    Done.

    * Turned off alarm clock until tonight, it resets itself automatically. Done.


    * So relieved to have won argument with stupid car insurance company. It went like this:

    They asked us for Document A.
    Provided Document A through online account.
    They said Document A wasn't good enough and we needed to pay an extra £100.
    Phoned them and expressed anger.
    Call Handler examined Document A.
    Call Handler eventually approved Document A declaring it "fine".

    * Be much cheered by the prospect of receiving commisioned socks when beautifully created by The Awesome Sock Commissioner.

    * This fortnight has been all about cars. DW has bought a secondhand one from her savings. I have part-ex'd my secondhand one for a less derelict secondhand one before it fails the MOT. It's been a rollercaster of auto-related emotions. Some of the time I have been a Rabbit of Negative Euphoria. Car Insurance has been particularly brain-aching. I am now not paying road tax. Breakdown cover has been easy to alter; exchanged a car and added a car for £5.

    * Go for a walk with DW.


    To live without risk is to risk not living.
    Last edited by allydowd; 15-05-2018 at 10:23 AM.
    Debt-free day: 8th May 2015
    The Joy Account: £5
    0
    Bold 100 Miles Bicycle Bonanza Challenge: Completed
    Run 25 Miles for Sanity Challenge: Completed
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • carrielovesfanta
    • By carrielovesfanta 15th May 18, 9:14 AM
    • 1,818 Posts
    • 14,103 Thanks
    carrielovesfanta
    I am now not paying road tax.
    Originally posted by allydowd
    And nor have you ever been! It's vehicle tax

    Sorry, I have my pedantic head on today. This is mostly because (and I'm not accusing you of such things) I get fed up with people who go on about the fact that cyclists don't pay road tax so they shouldn't be on the road. A lot of folks don't seem to realise that a lot of the road repair budget comes from their council tax.

    Either that or I'm grumpy cos I'm feeling ill. I'll swap back for my pleasant head once these paracetamol kick in.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £10,000!
    • allydowd
    • By allydowd 15th May 18, 9:32 AM
    • 4,367 Posts
    • 28,255 Thanks
    allydowd
    Freebie

    Free Swim Safe Lessons (Link)
    Debt-free day: 8th May 2015
    The Joy Account: £5
    0
    Bold 100 Miles Bicycle Bonanza Challenge: Completed
    Run 25 Miles for Sanity Challenge: Completed
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • allydowd
    • By allydowd 15th May 18, 10:06 AM
    • 4,367 Posts
    • 28,255 Thanks
    allydowd
    And nor have you ever been! It's vehicle tax
    Originally posted by carrielovesfanta
    Pot-ato...pot-arto...
    Debt-free day: 8th May 2015
    The Joy Account: £5
    0
    Bold 100 Miles Bicycle Bonanza Challenge: Completed
    Run 25 Miles for Sanity Challenge: Completed
    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • carrielovesfanta
    • By carrielovesfanta 15th May 18, 10:29 AM
    • 1,818 Posts
    • 14,103 Thanks
    carrielovesfanta
    Pot-ato...pot-arto...
    Originally posted by allydowd




    hehehehe
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £10,000!
    • carrielovesfanta
    • By carrielovesfanta 15th May 18, 12:14 PM
    • 1,818 Posts
    • 14,103 Thanks
    carrielovesfanta
    Right. Am fed up of whatever is going on in my noggin.

    So I've rung the doctor to chase up my ENT referral and I'm going to the opticians to book an appointment and to check that my glasses haven't been adversely affected by the donks they have received.


    He reckoned my glasses were pretty much ok but did make a slight adjustment. Hopefully it will be a bit of help. Appointment booked for eye test.
    Last edited by carrielovesfanta; 15-05-2018 at 1:39 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £10,000!
    • ziggy2407
    • By ziggy2407 15th May 18, 2:08 PM
    • 3,276 Posts
    • 25,739 Thanks
    ziggy2407
    Good Afternoon All

    CLF - Hope you feel better soon, where are you jetting off to?

    Feeling much brighter today so we will:

    Check Bank & made PAD - Done
    Gym - 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
    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: £442.99/£150 Make £5 per day Oct: £87.12/£155 Make £5 per day Nov: £2/£150
    • Happy Kitties
    • By Happy Kitties 15th May 18, 2:15 PM
    • 680 Posts
    • 5,297 Thanks
    Happy Kitties
    Oh I am so not in the mood for a meeting tonight. Still some prep to do

    Was up early to the supermarket as i desperately needed cat litter and a couple of bits to make a minestrone soup in the slow cooker.
    First time doing this soup so anything that was looking a bit jaded in the fridge got thrown in. It's smelling great. Will have some for supper when I get in tonight.

    Going thru a soup phase at the minute, weather not overly sunny here at the minute, we've had some overcast days and still cold at night.

    Cat cleaning all done first thing.
    Downstairs hoovering done
    Soup cooking.
    Banking all checked-d.debits all up to date
    Balanced my spends book-everything now up to date
    Phoned about a hospital appt yesterday. Had a very shirty woman on the phone saying we don't send out appointments, I said well you have been doing with me, went off to check and came back with a completely different attitude of when they could next fit me in. Think there was a slight botch up there but at least have an appointment now.
    Hope DawnW is doing okay.

    Right off to get a bit more sorted
    Have a great day everyone x
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=360.66
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