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  • FIRST POST
    • determined new ms
    • By determined new ms 9th Jul 18, 6:33 AM
    • 7,042Posts
    • 41,559Thanks
    determined new ms
    What small DFW things will you do w/c 9th July?
    • #1
    • 9th Jul 18, 6:33 AM
    What small DFW things will you do w/c 9th July? 9th Jul 18 at 6:33 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 1
    • determined new ms
    • By determined new ms 9th Jul 18, 6:41 AM
    • 7,042 Posts
    • 41,559 Thanks
    determined new ms
    • #2
    • 9th Jul 18, 6:41 AM
    • #2
    • 9th Jul 18, 6:41 AM
    Morning Whoop new day, new week and I'm feeling good! Day off - hurrah! Sports day later so only have 1/2 a day off and want to make the most of it!

    Going to go to the allotment and water plants. Also going to contact friend I'm sharing with to see if we ca make a plan for Friday to go and do a "big job" - either sort out the shed - including re-roofing it or clear the back which is currently a massive compost bin and turn it into a seating area. Am thinking as the ground is too hard to work at the moment might as well use that time for something else!

    I want to wash d/s floors and clean windows

    Go for a swim to make good use of swimming membership. I need to go at least once a week so I'm not wasting money and so far so good!

    make a batch of soup and a chicken curry to last me for 3 days at work. Going to soak black beans in a minute

    make a meal plan and a shopping list. Have a lot in so shouldn't be an expensive week!

    read my free book, from my kindle unlimited free trial - gosh am really loving it!

    Ok that's all. My main thing is not haemorrhaging money! Hope you all have a great day
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • carrielovesfanta
    • By carrielovesfanta 9th Jul 18, 9:40 AM
    • 1,825 Posts
    • 14,164 Thanks
    carrielovesfanta
    • #3
    • 9th Jul 18, 9:40 AM
    • #3
    • 9th Jul 18, 9:40 AM
    Morning all!

    Thanks to DNMS for starting us off

    Was very organised last night and actually got everything sorted, including walking up Moel Famau!

    Today's mission:
    • B/L/D from stores
    • Water garden
    • Call music shop to find out about order - order was lost in the ether. Have re-ordered for next day delivery
    • Charge phone in work - done
    • Gym at lunchtime (all looks mean) - programming took 2 !!!!!!! hours! I need to work an extra hour now!
    • Check if OH did his invoice yesterday - done
    Erm must be more than that?

    clf x
    Last edited by carrielovesfanta; 09-07-2018 at 7:11 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 10,000!
    • allydowd
    • By allydowd 9th Jul 18, 10:20 AM
    • 4,369 Posts
    • 28,269 Thanks
    allydowd
    • #4
    • 9th Jul 18, 10:20 AM
    • #4
    • 9th Jul 18, 10:20 AM
    Hi July-Penny-Jailers,

    Don't really know what I'm doing today.

    This list will grow as I do stuff.



    Debt-Free-Nillionaire Continuity Plan Year Four:

    THINGS I WILL DO:

    * Check online banking. Done.

    * Take medication. Done.

    * Turn alarm clock off at the wall til tonight. Done.

    * Get some exercise.

    * List an old laptop for sale on eBay. Done.



    * Sweep floor rather than hoover it. Done.


    To live without risk is to risk not living.
    Last edited by allydowd; 09-07-2018 at 10:44 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
    • DawnW
    • By DawnW 9th Jul 18, 10:24 AM
    • 5,309 Posts
    • 42,031 Thanks
    DawnW
    • #5
    • 9th Jul 18, 10:24 AM
    • #5
    • 9th Jul 18, 10:24 AM
    Morning all

    Thanks for starting us off DNMS
    CLF, I had to google Moel Famu!

    Up early and a few things done already, as I know I will flag in the heat later
    Bit of weeding and clearing in the garden
    Picked a bowl of cherries and a few raspberries
    Also cut a couple of bright red gladioli for the house
    Pegged a load of washing on the line
    Washing up, recycling put in bins, sink area cleared etc

    Checked banks and updated spreadsheet (and signature)

    Still to do:
    Cleaning - start with kitchen floor and see where we get to from there!
    Watering in the garden later, seems never ending Still, when the rain comes, I am sure I will moan about that too
    All food from home, I will do omelettes today as I have lots of eggs

    Sort out some items for sales unit, ebay, FB selling pages etc

    Better get on with some of it!

    • E11ie
    • By E11ie 9th Jul 18, 10:48 AM
    • 47 Posts
    • 292 Thanks
    E11ie
    • #6
    • 9th Jul 18, 10:48 AM
    • #6
    • 9th Jul 18, 10:48 AM
    Morning all hope everyone had a good weekend except for being boiling??

    Stress is definitely starting to ease and yesterday I even managed to go through my spending for the last month - as it took a back seat while moving. Was actually quite please as hadn't splurged on any lunches, only 1 coffee purchase and social spending well within budget. Am loving the new house, it's been a bit more expensive than we thought but we had already saved enough so that's a relief.

    Todays jobs -
    • Go to the gym and fill up water bottle
    • Find out why gm DD is 50 more than usual
    • Fill in finances spreadsheet
    • Start the process of changing addresses - not easy as our postcode isn't recognised as it's a new build
    • Remember to put the rubbish bin out tonight (never had to think about this when living in the flat)
    • Pick up prescription and docs note
    • Start eBay listings

    That sounds like enough to be getting on with
    Total debts 6471.03 / 6261 all currently on 0% interest
    Make 2018 in 2018 = 1010
    Focus on 1% challenge = 64.50
    • crazy_cat_lady
    • By crazy_cat_lady 9th Jul 18, 10:51 AM
    • 4,127 Posts
    • 35,354 Thanks
    crazy_cat_lady
    • #7
    • 9th Jul 18, 10:51 AM
    • #7
    • 9th Jul 18, 10:51 AM
    Good morning everyone I have finally emerged from my 44 day marathon of exam marking.
    I have barely made it but nonetheless have survived and now I am looking forward to sitting back and watching some money start to roll in. Fingers crossed.
    Home situation has improved, kids are seeing ex regularly and we are getting on better than we ever did in at least the past 10 years. Still a shame we had to split to get to that situation but I'm ok with it for now.
    2 weeks of work until summer can officially begin.
    The only truly dire side of life is financial. I'm so fed up with seeing my money come in and then instantly disappear. Not only am I missing ex's contribution to the running of the house but I'm also missing approx. 350 a month that I'm putting towards his rent until he's properly back at work, and my solicitors fees. Unfortunately until we get the divorce and finances finalised I just need to suck that up.
    I'm also quite unwell with hayfever this year, having never had it before. It makes me feel a bit dizzy, which is no good on top of how tired I already am. But I'm pulling myself round and now going to get back on the financial horse for the billionth time. It is just damage limitation until the separation is finalised though.
    So today I have meal planned to the nth degree for the week ahead (burritos tonight, no matter what we feel like eating).
    Left my purse at home to avoid spends
    Cashed out on tcb (everything helps at the moment)
    Printed off bank statements and payslips ready for my mortgage appointment (2 weeks today)
    Determined to make time to check in on here as it really helps.
    Have a good day everyone
    November in NY #20 NSD = 9 1 debt vs 100 days 328.51/1685
    DFD #1: 6 Nov 15 - paid 28,447
    • carrielovesfanta
    • By carrielovesfanta 9th Jul 18, 11:08 AM
    • 1,825 Posts
    • 14,164 Thanks
    carrielovesfanta
    • #8
    • 9th Jul 18, 11:08 AM
    • #8
    • 9th Jul 18, 11:08 AM
    Hey crazy_cat_lady - good to see you back. I'm glad that things are as settled as they can be and I hope that the rest picks up soon
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 10,000!
    • Lucifa73
    • By Lucifa73 9th Jul 18, 11:19 AM
    • 7,468 Posts
    • 9,703 Thanks
    Lucifa73
    • #9
    • 9th Jul 18, 11:19 AM
    • #9
    • 9th Jul 18, 11:19 AM
    Morning everyone.

    I had a great long weekend and feel pretty refreshed. Still not thrilled to be at work however.

    MS plans this week are:
    • Pack lunches every day for myself and for Hubbles
    • Put any 5p and 50p coins into jars every night
    • Prepare and stick to meal plan
    • Do surveys every day
    That should keep me ticking along nicely.

    We also booked a holiday yesterday and I now have 10 days to get everything organised. To that end I need to:
    • Sort through the boys' clothes and set aside holiday stuff. I don't think we should need much more than a couple of pairs swim shorts for NJ and some sandals/pool shoes
    • Sort through my clothes. Have a meltdownabout how much weight I need to lose. Pull myself together and decide what fits then decide if I need anything new (a swimsuit is likely)
    • Organise toiletries, etc and replenish sun cream stocks
    • Pack
    • Check what we need to print off, get it printed and pack it with the passports
    • Shout at Hubbles to not leave his packing until the last minute
    • Remind Hubbles to organise airport parking (we get discount/cash back through work)

    That lot should keep me out of trouble when combined with a full time job, general housework and making sure I spend some time with Mum and Dad...
    Tesco CC 020718: 3502.86/240918: 3172.14 9.44%
    Surveys cashed 14.84/cleared 21.45/pending 0.90... (plus 600 YouGov points...)
    50ps challenge:19.00 5ps challenge: 4.10


    • Baileys Babe
    • By Baileys Babe 9th Jul 18, 11:50 AM
    • 2,317 Posts
    • 11,461 Thanks
    Baileys Babe
    I have no idea what I am doing to do. I have no motivation to do anything

    I need to put a plan in place so at least I feel I have accomplished something.

    Today's plan
    Meal plan Done
    Write shopping list Done
    Go shopping and stick to the list Done
    HE children for free Done

    I know there will be more, just not feeling the love for anything today.
    Last edited by Baileys Babe; 09-07-2018 at 7:38 PM.
    • carrielovesfanta
    • By carrielovesfanta 9th Jul 18, 12:03 PM
    • 1,825 Posts
    • 14,164 Thanks
    carrielovesfanta
    I have no idea what I am doing to do. I have no motivation to do anything

    I need to put a plan in place so at least I feel I have accomplished something.

    Today's plan
    Meal plan
    Write shopping list
    Go shopping and stick to the list
    HE children for free

    I know there will be more, just not feeling the love for anything today.
    Originally posted by Baileys Babe

    Be gentle on yourself. Sometimes the big win is taking a step back and slowing down
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 10,000!
    • crazy_cat_lady
    • By crazy_cat_lady 9th Jul 18, 7:06 PM
    • 4,127 Posts
    • 35,354 Thanks
    crazy_cat_lady
    Hope you're ok BB - be kind to yourself. I know what it's like giving yourself a really hard time, but you need some rest and relaxation yourself.
    I have had a long and tiring day at work today - it's definitely too close to the end of term for my liking. The kids are up the wall, and I can't be bothered much either. I accidentally opened my big mouth and put my foot in it as well so I'm trying to lie low until it blows over and someone else is top billing. Should only take a day or two...
    Other than that - I've taken naughty tortie to the vet for her jabs (prepaid), had a nsd, eaten according to my meal plan and made a start on budgeting. It still stresses me out to think about it but I can't hide from it for ever.
    November in NY #20 NSD = 9 1 debt vs 100 days 328.51/1685
    DFD #1: 6 Nov 15 - paid 28,447
    • Baileys Babe
    • By Baileys Babe 9th Jul 18, 8:55 PM
    • 2,317 Posts
    • 11,461 Thanks
    Baileys Babe
    Be gentle on yourself. Sometimes the big win is taking a step back and slowing down
    Originally posted by carrielovesfanta
    Thank you, this made me cry, in a good way.

    Hope you're ok BB - be kind to yourself. I know what it's like giving yourself a really hard time, but you need some rest and relaxation yourself.
    Originally posted by crazy_cat_lady
    Thank you for finding time for me, especially as your own life is full on at present.

    I have no idea what I am doing to do. I have no motivation to do anything

    I need to put a plan in place so at least I feel I have accomplished something.

    Today's plan
    Meal plan Done
    Write shopping list Done
    Go shopping and stick to the list Done
    HE children for free Done

    I know there will be more, just not feeling the love for anything today.
    Originally posted by Baileys Babe
    We managed a 3 week meal plan which I'm happy about.

    Whilst shopping I mainly stuck to the list, the only extra things I bought were things I had planned to write on the list like washing up sponges, frustratingly I thought I had.

    When I returned home with shopping, I put it all away - this is a biggy for me as all I really want to do is sit down and let it put itself away.

    Dried washing outside

    Emailed OH some suggestions of additional categories to add to our spreadsheet so we can better track our spends.

    I checked the catalogue of the wholesaler we use for the price of a couple of things we regularly buy to see if it would work out better value, some things yes.

    All meals from stores.
    Soak a batch of porridge.
    Packed tomorrows snack bag.
    Renewed library loans.

    Thank you everyone for your kind thoughts, I'm feeling a tiny bit better than earlier. I have arranged to see my friend later in the week, which I am greatly looking forward to.
    • DawnW
    • By DawnW 10th Jul 18, 8:56 AM
    • 5,309 Posts
    • 42,031 Thanks
    DawnW
    Hope you feel better this morning Baileys Babe


    Not much planned today, but sometimes that works out better... we will see!


    Check banks and update spreadsheet
    Clean another room / floor - probably main bathroom today, as the black and white tiles on the floor show every speck of dust
    Need a couple of items of shopping
    Go to sales unit and tidy up /see what restocking needed, if any!
    Feed tomatoes and other veg in pots
    Water anything else that needs it
    Food from home, though meal planning has failed and I have no idea what we are going to have for dinner It will definitely be something we already have in though!

    • carrielovesfanta
    • By carrielovesfanta 10th Jul 18, 9:50 AM
    • 1,825 Posts
    • 14,164 Thanks
    carrielovesfanta
    Morning folks!

    BB - hope you're feeling better today x I'm glad you mentioned washing up sponges cos I need them too!

    Hooray for clouds! Much cooler today!

    Normal list for me:
    • B/L/D from stores
    • charge phone in work - done
    • OH to do housework
    • Gym at lunchtime - done
    • Water garden
    • Get some new walking sandals as mine are a: breaking and b: stink
    • No cafe spends as sandal shopping!
    Have a good one all

    clf x
    Last edited by carrielovesfanta; 10-07-2018 at 3:11 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 10,000!
    • foxgloves
    • By foxgloves 10th Jul 18, 10:52 AM
    • 4,403 Posts
    • 23,487 Thanks
    foxgloves
    Hi Tuesday Penny-wranglers,
    An NSD for me as am too busy to go anywhere! Another day working on our low-budget kitchen makeover. Painting all done, new blind up, kitchen cupboards pristine....you would not believe how clean I got them using leftover Wilko's lemon anti-bac wipes! I don't usually buy wipes as not v environmentally friendly but having bought them to clean mucky stereo, I wanted to use them up sensibly. Today I've cleaned the wall tiles & everything on work surface. Next is renovating kitchen bin as it's a big item to send to landfill (as mr f would like to do!) & I reckon some ancient metal cleaner will bring it up nicely. Then I must move onto the floor tiles & mix up a witchy paste to remove effluoressence from the cement grouting.
    Finally I can then get some stuff put back. Has been v low budget. Will break down costs & spend-dodges on my DFW diary when it's all finished. Mr f has promised to clean the oven.
    Apart from that, have done 2 Prolific surveys & will keep the faith with meal plan & making packed lunch. Mr f asking for mini cucumbers to be added to his packed lunch. Great idea as I've just picked the 27th one! Variety is 'Nimrod'......seems reliable & productive. Have also utilised a stash of clean on one side A4 scrap paper to print off several docs required for charity board meeting tomorrow.
    Ok, coffee break over, let's hit the bin cleaning.....I know how to live the dream, don't I?
    Love to all,
    F x
    Oh, & BB.....we all sometimes have a day where we have to accept we're not going to be on full productivity. Cherish yourself on such days. They are often a sign that our well-being has dropped to the bottom of the 'To do' list. My remedy is often a soak in the bath, face pack, paint my toenails a sexy colour, a film or tuck up on the sofa with a cafetiere all to myself & a good book. Nobody can be Wonderwoman all the time xx
    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 = 403
    • The_Analyst
    • By The_Analyst 10th Jul 18, 12:38 PM
    • 68 Posts
    • 94 Thanks
    The_Analyst
    Bit the bullet and removed the remaining 500 OD limit on my current account. First the first time in 20 years I no longer have an overdraft facility
    August 2011 - Total Debts - 47,352.12
    November 2018 - Total Debts - 0
    • crazy_cat_lady
    • By crazy_cat_lady 10th Jul 18, 2:28 PM
    • 4,127 Posts
    • 35,354 Thanks
    crazy_cat_lady
    Gawd I feel rough this afternoon - didn't sleep well last night at all and was awake before my alarm worrying about money. Think that is going to be the recurring theme of the next few months.
    However, I have also done a couple of positive things:
    Made a PAD to my CC with the money that I got from recycling my old mobile phone
    Have also cashed out on TCB so I can pay that to the card as well.
    Agreed to a final, final 45 exam papers to mark which will earn me over 150 then I really am done.
    Load of washing in before I left for work this morning.
    Bargain load of cat food ordered from z00plus
    Need to do an emergency shop for ds some school trousers. It won't wait until September and unfortunately navy is not the easiest of colours to get hold of.
    Meals for tonight planned without any extra cost.
    November in NY #20 NSD = 9 1 debt vs 100 days 328.51/1685
    DFD #1: 6 Nov 15 - paid 28,447
    • carrielovesfanta
    • By carrielovesfanta 10th Jul 18, 3:13 PM
    • 1,825 Posts
    • 14,164 Thanks
    carrielovesfanta
    Bit the bullet and removed the remaining 500 OD limit on my current account. First the first time in 20 years I no longer have an overdraft facility
    Originally posted by The_Analyst

    Congratulations!
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 10,000!
    • allydowd
    • By allydowd 10th Jul 18, 5:16 PM
    • 4,369 Posts
    • 28,269 Thanks
    allydowd
    Hi July-Penny-Jailers,

    Busy day today.


    I go back to work tomorrow after a month-off.

    This list will grow as I do stuff.


    Debt-Free-Nillionaire Continuity Plan Year Four:

    THINGS I WILL DO:

    * Check online banking. Done.

    * Take medication. Done.

    * Turn alarm clock off at the wall til tonight. Done.

    * Get some exercise. Done. Settled on a 3 hour hike from home. 0p.

    * Sell an old laptop for sale on eBay. Done. Monies given to DW to pay pff my car.

    * Briefly visit supermarket. Done. Got 6 grapefruits for 10p. Turned 5 into juice.


    To live without risk is to risk not living.
    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
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