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  • FIRST POST
    • PurpleFairy26
    • By PurpleFairy26 25th Jun 18, 7:14 AM
    • 2,225Posts
    • 15,048Thanks
    PurpleFairy26
    What small DFW things will you do w/c 25th June?
    • #1
    • 25th Jun 18, 7:14 AM
    What small DFW things will you do w/c 25th June? 25th Jun 18 at 7:14 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!
Page 3
    • foxgloves
    • By foxgloves 28th Jun 18, 4:14 PM
    • 4,143 Posts
    • 21,507 Thanks
    foxgloves
    Wotcha Sunflowers,
    Have been at a charity event this morning, so not so much time to myself. However, a bit of useful money saving activity nevertheless:
    *Watered veggie garden & picked another cucumber.
    *mr f dropped me off & collected me from my event which saved paying parking charges or wasting fuel driving round & round looking for a speck of free street parking.
    *My Bg Budget Day - reconciled June's budget & set July's. Used a bit of backpay to pay campsite fees....nice for the worker to feel they've 'had something' from backpay, I always think.
    *Checked balance still to pay on outstanding loan.
    *Entered a prize draw.
    *Did 3 surveys. Prolific & Onepoll both up to over £36 now.
    *A bit of quick fridge triage revealed sufficient white cabbage & carrots to make a bowl of coleslaw to go with tonight's pizzas.......
    *........which, as I've been out & the timings were incompatible with making bread dough, will be made using frozen garlic flatbreads as bases. Have done this before & it's a no-brainer on busy nights. Plenty of peppers, veggies, cheese, etc, to go on them plus anchovies.
    *Pick more home grown lettuce.
    *Read energy meters & uploaded them.
    *mr f now has to work tomorrow morning, which was earmarked for grocery shopping, so we finalised next week's meal plans over breakfast, knocked out a shopping list & he managed to get an online order done while I was off at this morning's event. Over budget by 83p.......but delivery was £1, so really, we're under by 17p!
    *Paid another 50 p into my sealed pot, which is becoming encouragingly heavy.
    *Planned 'menu' for 2 picnics over the weekend - even allowing for a bit of baking to make them more exciting, it will be a huge saving on using cafes at the venues we're visiting.
    *Carry on doing the beading on the gift I'm making. I've read the instructions on making it all up, but I've never lined a bag, so as the recipient of the gift is a very good needlewoman, I think I may well need to prevail upon my friend's good nature for help with the finishing touches. I'll see what she says. Beading is easy enough though, as was all the needlepoint, which I've done a fair bit of in the past.
    *Carry on trying to treat poorly ankle without having to buy any more products. I was badly bitten by a fly while out in the garden a couple of days ago & my ankle came up like a balloon last night. Am taking unbranded anti-histamines & following NHS advice to elevate foot when possible & to keep applying ice packs to reduce the swelling. I get bitten a lot...partly my fault as I keep forgetting to spray on the Mozzyguard....& I regularly get a reaction which seems out of all proportion, even to the degree that I've had to go for anti-bios in the past, so am keeping an eye on it - a deeply unsexy ankle at the moment!!
    *Called into local Co-op to buy cat food, as the store we did our online order with had no offers except on types where our cat can get the jelly off in 3 nano-seconds. Less waste, & it was on offer.
    *Make tomorrow's packed lunch.
    Think that's it for today. I want an early start tomorrow so as to be able to clean the whole house before the temperatures soar.
    Love to all,
    F xx
    P.S Totally football-free zone here. We never even know there's any going on until the branded stuff starts appearing in the supermarkets. Just how I like it!
    Last edited by foxgloves; 28-06-2018 at 4:16 PM.
    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 = £264
    • DawnW
    • By DawnW 29th Jun 18, 8:09 AM
    • 5,101 Posts
    • 40,332 Thanks
    DawnW
    Morning all
    Just done a quick recce of the hanging baskets for strawberries for breakfast, but only a few there - they are nearly finished for this year I think But looking on the bright side, I did find a huge first raspberry yesterday

    Need to go to the post office with a couple of ebay items today, and I shall do that before it gets too hot. It is easier to walk, despite being a couple of miles there and back, due to our vehicle access problem at the moment, and the usual nuisance of parking in town.

    Apart from that, I need to do some housework and think of something for dinner. I might also make a batch of Mrs F's garlic flatbreads, as I have some rather odd yogurt from Iceland that I don't like the texture of.... it seems to be ordinary yogurt that has been made into 'Greek' yogurt by means of adding a thickening agent, probably gelatine, as opposed to straining it. It tastes ok, but is just odd! It would be good to use it up out of the way. I won't be buying that again!

    It looks to be hot again, and everything will want watering - again

    More coffee needed first then must head to the Post Office
    July NSDs - 4 / 13
    Groceries, toiletries, cleaning supplies and pet supplies - £170.56 / £250.00
    • Happy Kitties
    • By Happy Kitties 29th Jun 18, 8:34 AM
    • 544 Posts
    • 4,232 Thanks
    Happy Kitties
    Morning everyone

    Was going to post last night but completely crashed out at 7pm
    DD helped me with shopping yesterday took advantage of some YS items
    Sorted fridge out and froze up bits that wouldn't be used. Preparing for the arrival of DD BF so fridge /freezer full
    Wrapped a couple of Christmas presents while sorting out my link to hope shoeboxes-i know, I know
    Continue with washing today, whizzing through it.
    Continue with some housework today
    Must get a form completed and sent in today
    Banking checked this morning, one bill paid
    Need to do my month end in my spends book
    Just about to start cat cleaning

    Belated birthday wishes 1LL hope you had a great day and was spoilt....June birthdays are the best!

    Have a great day everyone x
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=359.51
    • PurpleFairy26
    • By PurpleFairy26 29th Jun 18, 9:31 AM
    • 2,225 Posts
    • 15,048 Thanks
    PurpleFairy26
    Morning all was awol yesterday as I spent much of the day in bed. Got up to get smalls from school and go to doctors. Need some more tests, but I was impressed at how thorough he was. Iíve cancelled a meeting today to be over the phone rather than me driving 60 miles each way to it. Will do it in the garden I think. Need to catch up on some work today and pop to the supermarket. Iím impressed the small shop we did last week has lasted us 7 days without any top ups. Letís hope for the same again this week. So today looks like:

    Appointment at doctors. Park for free a bit further away
    Get prescription - ok, I have to pay. But thankful to the doc for giving me double on 1 prescription and for our amazing nhs
    Check banking
    re list a few things on fleabay
    Go to shops with list
    Work from home
    Watch something with DH tonight
    Hopefully DH will get paid today (rolls eyes - itís like a lucky dip)
    DH working overtime tomorrow so need to be organised as Iíll have both smalls to ferry around and activities for them and jobs I was planning on doing. Must write a list.
    Usual watering/checking of garden

    Enjoy your day folks. Purps.
    • spudsmum
    • By spudsmum 29th Jun 18, 11:52 PM
    • 277 Posts
    • 1,578 Thanks
    spudsmum
    Hi all - happy Friday!

    Been a bit of a crazy week here as the twins caught a nasty bug at nursery so I've been drowning in puke n poop - luckily it seems to have passed now though they're still off their food - just hoping nobody else (especially me) gets it!

    So today's small things:

    totted up last weeks spends £62.53 left from last weeks budget so split that between debt and savings
    not had TV on all day
    not had lights on either
    done meal plan to use things in store cupboard
    bought a couple of YS apples to make a crumble - found some blackberries at back of freezer so I'll throw them in too.
    weekly shop came in at £30.35 - well under £70 budget
    done some surveys
    cashed out £5 amazon vouchers from surveys now got £26 towards Xmas gifts for eldest
    paid another £39 to MBNA - that's £1100 since Feb
    watered veggies using water butt water
    harvested some more strawberries
    swopped usual Friday night fresh pizza for a frozen one - saved £2.50 (and 400 calories ) was really good too!
    . Contacted estate agent about valueing old property

    Think that's it.
    Total debts £21050! now £19482.62. 1% challenge £1206.50/£15000 (8.05%) Total extra income made in 2018 £2304.57 frugal budget 2018 £4612/£5600 Aiming for debt free at 40 - only 25 months to go!
    • mmharko
    • By mmharko 30th Jun 18, 11:45 AM
    • 35 Posts
    • 276 Thanks
    mmharko
    Morning
    I've been following this thread on and off for a while and feel like now is a good time to start posting myself! We've just had baby no. 4 five weeks ago so I'm on maternity pay and the kids summer holidays are coming up and we have a weeks holiday booked so I need to start paying a bit more attention to the everyday bits and pieces that really, make a huge difference come the end of the month!

    so, list for today;
    - make banana and apple loaf with past it fruit.
    - log on to online banking and move money so I can get my switching bonus
    - open bank account for the newest little one so I can put his money in it and I wont be able to spend it!
    - hang out the washing, beautiful sunny day here but not super warm....
    - freeze peppers from the fridge as they wont get used nor last any longer in the fridge. I have them ear marked for dinner later in the week. I'll make an oven roasted ratatouille with the super six courgette & aubergine from aldi that starts on Thursday. Already have the red onions, garlic, canned plummed toms and feta cheese. I'll make look at making a flat bread to go along with it....


    Thanks all for your posts, they very much help to keep me focused
    • The_Analyst
    • By The_Analyst 30th Jun 18, 2:49 PM
    • 63 Posts
    • 86 Thanks
    The_Analyst
    Knocked £200 off my OD limit. Down to £500 now. Will reduce to £0 by Jan
    • Baileys Babe
    • By Baileys Babe 30th Jun 18, 8:29 PM
    • 2,274 Posts
    • 11,109 Thanks
    Baileys Babe
    Evening everyone. Today has been yet another busy day where I haven't even found time to read what everybody has been up to, I hope everyone is well.

    Today I had:
    NSD
    Volunteered at a local event
    Attended another event locally with dd, where she was feed, watered and entertained for free.
    2 sets of friends joined us so we were able to socialise for free
    We all went back to a friends house to continue socialising, I donated a HM cake
    RM survey
    Correctly delivered survey
    Turned off lights and appliances when not in use
    DW set for overnight
    WM set for overnight
    Home educate children for free
    Keep up to date with 3 email accounts
    Deal with at least 10% from 1 of my other 3 email accounts
    Take drinks with us
    B/L/D from stores
    Stick to meal plan
    • Baileys Babe
    • By Baileys Babe 30th Jun 18, 8:33 PM
    • 2,274 Posts
    • 11,109 Thanks
    Baileys Babe
    - open bank account for the newest little one so I can put his money in it and I wont be able to spend it!
    Originally posted by mmharko
    Hello & welcome mmharko

    Congratulations on your latest addition. You are doing well in opening an account for your newest addition, we haven't managed yet and our youngest is 9 years
    • PurpleFairy26
    • By PurpleFairy26 1st Jul 18, 8:04 AM
    • 2,225 Posts
    • 15,048 Thanks
    PurpleFairy26
    Morning all

    Another gorgeous day here and it's already warm outside. Much to be done today including:

    Get cases down from loft and put some stuff up there
    Wrap 2 presents for parties between now and end of term
    Get smallest smalls stuff packed for rainbow sleepover next weekend
    Sort through clothes and move may that are too small out and any 'new aka stashed in box from hand me downs) in
    Find eldest a sun hat as her head has grown this last week
    DH emptied our sealed tin yesterday and we have £261 in there. Put £1 back in our new sealed tin and will used the rest as holiday money. New sealed tin opening date 1/1/19
    Research flights some more as I think DH is going to go on his own and see one of his closest friends next year who emigrated. We'd all love to go but it's not financially viable and if DH goes he can go out of school hols so it's much cheaper.
    Download data from one (paid for) exercise site to another (non paying) one. And cancel first one
    Plant up hanging baskets, I know I'm late on this one
    Feed tomatoes
    Get some more netting for blueberries, it's working well but I'd like some more.
    Packed lunches for 3 for tomorrow. Will be some bbq leftovers in there somewhere I'm sure and I'll make a cake later for some snacks.

    Have a great day folks.
    • carrielovesfanta
    • By carrielovesfanta 1st Jul 18, 9:22 AM
    • 1,612 Posts
    • 12,352 Thanks
    carrielovesfanta
    Morning folks

    Back in work today... I should start posting on the weekends when I have something interesting to report.

    Not a very frugal weekend, but enjoyable. I'm tired now though, the hot nights are disturbing my sleep.

    I will confess that we put the sprinkler onto the lawn for half an hour on Thursday evening. I can't really afford to let the grass die as it isn't my grass!

    Today is a normal work day so I will be doing the following:
    • B/L/D from stores (I wonder how long it will take OH to realise that we didn't do a meal plan or a shop this weekend? Bit bored of being the household project manager)
    • Grate up two massive courgettes, squeeze water out and freeze.
    • Water garden
    • Reconcile budget sheet
    • Not going out - we've spent enough this weekend
    • Find new home card in stash and send to friend
    • Email villa people - done
    Have a good one all

    clf x
    Last edited by carrielovesfanta; 01-07-2018 at 2:24 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • Happy Kitties
    • By Happy Kitties 1st Jul 18, 10:30 AM
    • 544 Posts
    • 4,232 Thanks
    Happy Kitties
    Morning everyone

    spudsmum hope the twins are feeling better
    mmharko welcome
    the analyst sounds like you are doing really well with your overdraft and have a plan in place

    Today I am having a relaxing day.
    Seemed to rush around yesterday getting everything ready for DD BF arriving.......i refuse to buy any more food.....fridge and freezer are bursting
    We went to training last night. I was so tired after I just about managed to make some food, have a shower and then I crashed
    Happy July everyone.....still need to do my spends summary for June, might do that today with letter for friend.
    Will do a quick tidy around as it quickly spirals out of control if I don't stay on top of it.
    Washing out
    Got a really good deal on a couple of presents DD wanted in the Urb@n Decay sale. They were free postage, I wanted one item, all in the sale but refused to order until DD got a discount code with being a student.....saved over £8 on the order altogether on sale items, DD very pleased as like every uni student is pleading poverty!

    Think that's about it from me
    Have a great day everyone x
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=359.51
    • Baileys Babe
    • By Baileys Babe 1st Jul 18, 11:55 AM
    • 2,274 Posts
    • 11,109 Thanks
    Baileys Babe
    Woke up this morning thinking it was Friday, not sure if I thought it was last Friday or next. Still feeling slightly discombobulated.

    Today's list:
    Dry washing on the line
    Keep blinds closed to keep the cooler
    Home Educate children for free
    Turn off lights when not in use
    Turn off appliances when not in use
    Stick to meal plan
    Write meal plan for next week
    RM survey, get ready for next week
    Set dw to run overnight
    Set wm to run overnight
    B/L/D from stores
    Keep up to date with 3 email accounts
    Deal with at least 10% from 1 of my other 3 email accounts
    Sort HE station, lots of things have been left on it, none of which are HE
    Give the kitchen a quick blitz, before it gets out of control
    • carrielovesfanta
    • By carrielovesfanta 1st Jul 18, 4:40 PM
    • 1,612 Posts
    • 12,352 Thanks
    carrielovesfanta
    Villa is go go go.


    We are the only ones out of the 6 adults that actually have any money saved (inc emergency fund!) so we are paying the deposit. Need to do this tonight.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £9433.44
    • DawnW
    • By DawnW 1st Jul 18, 6:16 PM
    • 5,101 Posts
    • 40,332 Thanks
    DawnW
    Hello
    Very hot but dull and sort of thundery here today - don't know if we will get a storm, but we sure could do with some rain!

    Went to a couple of car boot sales as we often do on Sunday mornings. Not much spent, as there wasn't much I wanted to buy Did spend £2 on tomatoes and bargainous avocados And a few ££ on things to sell on. Business records and spending diary updated accordingly.

    Other things:
    Got rid of mangetout vines as they are finished now. All in composter. I have some seeds soaking ready to sow some more, as they are nice to have, and look quite pretty
    Picked half a carrier bag of broad beans
    Dug some potatoes
    Picked, washed, chopped and froze some spinach

    Finally used up strange yogurt from Icyland and made garlic flatbreads. Had a couple with dinner, must freeze the rest. I will add more seasoning and make them smaller next time.
    Dinner was snipped up sausages with roughly cut up peppers and onions, par boiled potatoes, scattered over some chopped up garlic and fennel seeds, tossed with a few tablespoons of olive oil, seasoned with salt and pepper. Roasted in oven. Turned when necessary. When almost done, added some tomatoes, whole if cherry tomatoes, or cut up if like me, you use big ones that have been lurking towards the bottom of the fridge. Put back in oven until sausages and veg were cooked and golden and the tomatoes had mostly collapsed into the juices at the bottom of the pan. I served this in bowls with a garlic flatbread - yummy, if unconventional Sunday roast for the price of a packet of YS sausages from freezer, and veg that had been lurking in the fridge

    Now to repot some basil seedlings I think, and see if there is anything else I can't get away without watering!
    July NSDs - 4 / 13
    Groceries, toiletries, cleaning supplies and pet supplies - £170.56 / £250.00
    • ziggy2407
    • By ziggy2407 1st Jul 18, 9:35 PM
    • 3,130 Posts
    • 23,958 Thanks
    ziggy2407
    Hi all

    What a fabulous week and weekend, DD took DH and I to a Motown evening in our local Botanical Gardens last night and it was fabulous, she really spoils us and is great company too, it was a great night and the weather just made it even better - 3000 people picnicking, chatting and enjoying the music.

    Today we enjoyed the great weather, had a lovely walk, an ice cream and managed:

    Checked Bank & made PAD
    Cleaned fridge and freezer
    Visited mum
    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: £23.63/£155
    • FatVonD
    • By FatVonD 1st Jul 18, 11:20 PM
    • 5,120 Posts
    • 20,658 Thanks
    FatVonD
    Evening all, I've just had a quick read through and you are all way ahead of me with your veggies, my new plot only gets the sun in the morning which possibly isn't enough, I may have to trim back a tree to extend the hours of sunshine next year.

    I sold my sofa today (the third in this house!) even though, when I bought it, it was perfect but now the cards are taking over the sitting room I have bought (from eBay) another snuggle chair which will free up some room around my work station so my chair doesn't crash into it.

    In a bizarre manifestation of what a small world it is, the woman who bought it was the same one who bought an armchair I sold last year, and, even more bizarrely, I'd only introduced myself to her the week before at a dog show as she rescues 'wheelchair' dogs and I recognised her pooch from her FB page.

    I've managed to eat from the freezer today though not very healthily, chips and grated cheese for lunch and sweet and sour chicken for dinner. I did though shop for some bits for DS who is on a diet and doing really well, he's also joined a 24 hour gym so he and his mate go there late when it's quieter. I also had bought 10 punnets of raspberries for 49p each the other day and divied them up into freezer bags so I had a bag of those too.

    I've just ordered another batch of 'pocket money' toys for a summer fair I am doing in a couple of weeks time. I bought some before to supplement what I make selling my cards at fairs (not a lot!) and have made £400 to date (two fairs) selling them!

    I just spent a horrible couple of weeks while my Amazon account was suspended for re verification but I'm back on now and it doesn't seem to have affected my ranking too much though I missed out on a couple of weeks of First Holy Communion cards sales which had been selling well until that point but I'll just keep them for next year.
    Last edited by FatVonD; 01-07-2018 at 11:22 PM.
    Make £25 a day in April £0/£750 (March £584, February £602, January £883.66)

    December £361.54, November £322.28, October £288.52, September £374.30, August £223.95, July £71.45, June £251.22, May£119.33, April £236.24, March £106.74, Feb £40.99, Jan £98.54) Total for 2017 - £2,495.10
    • foxgloves
    • By foxgloves 2nd Jul 18, 7:58 AM
    • 4,143 Posts
    • 21,507 Thanks
    foxgloves
    Morning all,
    New week, always feels a bit like a new start. Have a big job list today, so I'm going to finish my coffee & get cracking. Will pop back later with the money saving bits.
    Cheers,
    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 = £264
    • Baileys Babe
    • By Baileys Babe 2nd Jul 18, 12:52 PM
    • 2,274 Posts
    • 11,109 Thanks
    Baileys Babe
    Hello to everyone reading. Come and join us on this weeks thread.
    • ThinVonD
    • By ThinVonD 7th Jul 18, 1:07 PM
    • 1 Posts
    • 0 Thanks
    ThinVonD
    Lol
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