Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • crazy_cat_lady
    • By crazy_cat_lady 6th Aug 18, 9:45 AM
    • 4,222Posts
    • 36,185Thanks
    crazy_cat_lady
    What small DFW things will you do this week? W/C 6 August
    • #1
    • 6th Aug 18, 9:45 AM
    What small DFW things will you do this week? W/C 6 August 6th Aug 18 at 9:45 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!
    December in the Tardis #16 nsd = 6 New life = new debt
    DFD #1: 6 Nov 15 - paid 28,447
Page 3
    • DawnW
    • By DawnW 11th Aug 18, 9:02 AM
    • 5,345 Posts
    • 42,281 Thanks
    DawnW
    Morning all
    HK - I agree, the weather was really odd yesterday. I got soaked on at least two separate occasions, with blazing sunshine in between. Still, the garden got watered, so that made up for it!
    Good luck with the pay rise negotiations Ally

    Sold an ebay item, and noticed that a used Monsoon top I put on my private account is now up to over 30 on auction. It won't have cost much more than that new, several years ago, so not sure what is going on. I don't like these odd occasions when people bid silly money for things, as they invariably don't pay, or end up causing hassle in other ways. I expected it to make between 5-10. Obviously if it goes through ok it will be a bonus, but I foresee problems ahead

    Anyway, will deal with that if / when it happens. Today's list looks like this:
    HG raspberries and blueberries with breakfast

    Clean living room - OH was sat in front of sport on TV nearly all day and evening yesterday and I didn't get chance to do it
    Make hummus - not sure why, but I haven't tried this before, so looking forward to experimenting!
    Make a mixed bean chilli for dinner
    Pick tomatoes / raspberries / blueberries
    Sort printer out and print off some stuff for my business

    Can't think of more atm, and DD might well turn up with kids in tow, so if I manage more, I will be back later to update!

    • determined new ms
    • By determined new ms 11th Aug 18, 10:25 AM
    • 7,065 Posts
    • 41,709 Thanks
    determined new ms
    Morning guys Not sure what happened to my post yesterday. I thought I had done it before work, but when I got home I couldn't see it. Probably for the best as was feeling down yesterday and apart from not spending money didn't achieve very much!


    Today is my last day at work until Tuesday so at least there is a bit of relief - feeling down about having my probation extended as I had asked for 10 minutes to eat at 3pm and the manager wasn't happy about this and wanted me to do tasks. I had been out since 9am in the heat and was so hungry. Seems like I always have difficulties at work. Have been told if I have any further reports I will have my contract ended...


    Anyway hope for the best and prepare for the worst as they say...


    Today:


    * all meals from stores
    * asked oh to hang out washing - will check with him shortly if its been done
    * record all mileage
    * do some onepoll - seems like I'll have time today...
    * would like to do some sewing this evening but will depend on mood/motivation
    * will call in to allotment on my way home and pick anything ready


    yesterday received 2nd compensation for dodgy joint of lamb from a couple of months ago - another 5 voucher and 6.99 refund


    ok that's all I think for now....


    CCL glad you had a good break


    Thrice nice one re the refund and your generosity!
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • Happy Kitties
    • By Happy Kitties 11th Aug 18, 1:16 PM
    • 701 Posts
    • 5,437 Thanks
    Happy Kitties
    DNMS that doesn't seem fair. Surely don't they realise that you are entitled to breaks and a lunch break. No wonder you have been feeling down. Sending hugs

    DawnW hopefully the Monsoon top will sell without problems. I've just recently sold a Yankee candle on eBay for over the odds. So far everything has gone okay but it does make you wonder whether something will go wrong.

    After the brake suddenly dropped off my wheelchair I went flying with my toast this morning. A bit battered and bruised so keeping an eye on my knee and going to take it easy today.

    Tesc@ clubcard vouchers have just come through so will store those away ready for Christmas. On a Tesc@ note managed to pick up the boxes of quality street down to a 1. Had a really good date on them, asked one of the staff I knew why they had put them so cheap, she just said they were going to discontinue the line. Bought some boxes to go in starving student stash and 2 boxes to put away for Christmas but if one box is needed for something then it is spare. They won't be eaten as i dont eat alot of chocolate and we don't eat a lot at Christmas so a small box will be enough of different chocs as we end up still having them at Easter otherwise

    Just plan to potter today and keep putting things away. Have nearly finished wrapping DN presents but I can't find one so hopefully will find it today.
    Cat cleaning all done
    Banking all checked, everything good

    Also plan to get the rest of the washing out even though it looks overcast and is not looking good

    Just having left over take away for lunch.....tastes even better that DD bought it.....normally her purse is welded shut and she is pleading poverty!!!

    Think that's about it from me, have a good day everyone x
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=360.66
    • allydowd
    • By allydowd 12th Aug 18, 8:57 AM
    • 4,409 Posts
    • 28,579 Thanks
    allydowd
    Hi August-Austerees,

    Morning! Just a quick visit. Today's free-ish entertainment is a walk up a hill, through a moorland and down a waterfalled-glen. Navigating courtesy of a kind friend who gave me an OS maps subscription. The navigation is quite tricky so if I don't check-in tomorrow you know the Fairlie Moor Yeti has got me, . (Just kidding, I should be fine, experienced, prepared, DW has a map of where I'm going and knows my ETA etc.)


    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.



    Things don't have to be perfect to be wonderful.
    Last edited by allydowd; 12-08-2018 at 9:27 AM.
    Debt-free day: 8th May 2015
    The Joy Account: 10
    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 12th Aug 18, 9:30 AM
    • 4,409 Posts
    • 28,579 Thanks
    allydowd


    Today is my last day at work until Tuesday so at least there is a bit of relief - feeling down about having my probation extended as I had asked for 10 minutes to eat at 3pm and the manager wasn't happy about this and wanted me to do tasks. I had been out since 9am in the heat and was so hungry. Seems like I always have difficulties at work. Have been told if I have any further reports I will have my contract ended...
    Originally posted by determined new ms

    DNM, workers in most jobs have the right to one uninterrupted 20 minute rest break during their working day, if they work more than 6 hours a day. That's the law. This I know because I work in the employment agency field. (Link)
    Debt-free day: 8th May 2015
    The Joy Account: 10
    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 12th Aug 18, 9:46 AM
    • 1,862 Posts
    • 14,498 Thanks
    carrielovesfanta
    Morning folks

    DNMS - sorry to hear you have work troubles
    Ally - I hope the faeries didn't take you
    HK - how is your knee?

    I'm still catching up with the thread. Thank you for all your kind wishes. Sadly not a good weekend... I accidentally took some codeine instead of ibuprofen in the early morning and wiped myself out for all of Thursday morning. Then had a massive anxiety attack for half of Friday and most of Saturday. It was the horrible mental paralysis that stops you moving out of the seat despite the fact that you need to do things.

    I feel really exhausted now. I've got some time off in 2 weeks and I feel like I need it.

    I need to take things gently if I can over the next few days. On the plus side, lots of crochet and sock knitting has been done. I might finish my sock tonight. I only have the toes left.

    Things to do today:
    • L/D from stores
    • water greenhouse
    • charge phone in work - done
    • Send OH for food shop - done
    • Hopefully OH to do the cooking that didn't happen at the weekend.
    • Try to relax
    • Reconcile budget sheet
    • Maybe finish sock
    • Go to B&M for cream yarn - done
    Have a good one all

    clf x
    Last edited by carrielovesfanta; 12-08-2018 at 3:21 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 10,000!
    • DawnW
    • By DawnW 12th Aug 18, 10:00 AM
    • 5,345 Posts
    • 42,281 Thanks
    DawnW
    Hope you are ok after your fall HK

    Sorry to hear about work issues DNMS - everyone's work conditions seem to be going down the pan recently
    Hope you feel better soon CLF


    Pouring with rain here (so no watering ) but it is also cold
    Been to an indoor car boot sale this morning as the outdoor ones were cancelled. It was rubbish, but the chilled food van was there, so I managed to get some bargainous bacon at least
    Just put a stew in the SC for dinner, as it isn't salad weather! Used HG shallots, which took forever to peel

    Need some bread as I didn't put the bread maker on yesterday and we don't have any for lunch - will go to the corner shop as there will be no additional temptations there!


    Also need to:
    Sort out sink / kitchen / dishwasher
    Ironing, not much, but I hate it hanging around!
    Dodge the rain to see what needs picking in the garden - you can almost watch things grown atm!
    Ought to sort out the freezers as they are jam packed again


    Hope everyone is having a good day - and Ally, I hope the weather is better where you are going than it is here!

    • carrielovesfanta
    • By carrielovesfanta 12th Aug 18, 11:27 AM
    • 1,862 Posts
    • 14,498 Thanks
    carrielovesfanta
    Quick bit of advice wanted please... my energy deal finishes at the end of the month. There is a 2 yr fix (ends Oct 2020) which is the cheapest, but a 3 yr fix that ends Oct 2021 which is slightly more expensive.


    I'm thinking that I should go with the 3yr fix d/t the general Brexit uncertainty. What do you guys think?
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 10,000!
    • DawnW
    • By DawnW 12th Aug 18, 1:05 PM
    • 5,345 Posts
    • 42,281 Thanks
    DawnW
    I went with a 2 year fix about 6 months ago as I foresaw trouble ahead - if I were out of contract now I think I would fix for as long as possible, as I can't see a situation arising over the next few years where power prices go down

    • Happy Kitties
    • By Happy Kitties 12th Aug 18, 5:10 PM
    • 701 Posts
    • 5,437 Thanks
    Happy Kitties
    Many thanks CLFand DawnWabout my knee. Really feel sore today and the damp weather isn't helping. My knee is good if it is bent but really painful straight. It is a no man's area as it is somewhere my feeling finishes from my paralysis so I have no idea what happened with the leg yesterday. Absolutely refuse to go to A&E, I can't sit there for hours will be incredibly painful for my back so have agreed if knee is still not good in the morning to see my GP. If he wants a x-ray you just get sent straight up to the local cottage hospital. They just do it there and then.

    CLF I hope,you are feeling better, it sounds like you have had a rough couple of days and it is draining, you just don't bounce back after straight away. Sending hugs

    Despite knee have been getting stuff done, just made sure knee stayed bent.
    Checked banking ready for d.debit tomorrow
    Got rid of some rag bags and found a box in Tesc@ to send some presents in. Had to cut it down a bit but it is perfect.
    Topped up on cat food and picked up YS piri piri chicken fillets which have gone in the freezer.
    Cat cleaning done.
    Did attempt to vacuum but body gave up on that so I am going up to bed to do some paperwork after a bit of internet mooching first.
    Will put DW and WM on now so when I pop down in a bit I can sort them

    Have a good evening everyone x
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=360.66
    • carrielovesfanta
    • By carrielovesfanta 12th Aug 18, 5:43 PM
    • 1,862 Posts
    • 14,498 Thanks
    carrielovesfanta
    CLF I hope,you are feeling better, it sounds like you have had a rough couple of days and it is draining, you just don't bounce back after straight away. Sending hugs
    Originally posted by Happy Kitties

    Thanks HK. Feeling much perkier in the last hour or so. Maybe I was fighting something off?


    Def look after that knee!!
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 10,000!
    • crazy_cat_lady
    • By crazy_cat_lady 12th Aug 18, 6:07 PM
    • 4,222 Posts
    • 36,185 Thanks
    crazy_cat_lady
    Afternoon all
    Lots of love to all those struggling at the moment - with work, health or anything else. I too have spent much of this weekend a bit below par. No reason, other than probably a bit run down - I was in a heck of a mood yesterday, and then today I've just had one minor disaster after another. I ended up in a heap on the floor after slipping in the kitchen and I'm still struggling with pain in my hip - not great when I have another 3 days of walking about Alton Towers coming up. I'm ok if I'm not trying to move.
    Anyway, no more self pity... I've managed to bag a couple of nsd's over the weekend - much needed. Healthy eating is going well, as was being active until a couple of hours ago. Plus I've managed a couple of relaxing days in between trips. Got caught up on my washing, and tidied the house.
    Still need to pack as we're leaving early tomorrow, and I also need to make sure I leave the house at least half tidy - no cleaner this week. Best get a move on then.
    December in the Tardis #16 nsd = 6 New life = new debt
    DFD #1: 6 Nov 15 - paid 28,447
    • carrielovesfanta
    • By carrielovesfanta 12th Aug 18, 6:25 PM
    • 1,862 Posts
    • 14,498 Thanks
    carrielovesfanta
    I ended up in a heap on the floor after slipping in the kitchen and I'm still struggling with pain in my hip
    Originally posted by crazy_cat_lady

    Ouch!


    *wraps entire thread in bubble wrap to prevent further mishap to us all*
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: 10,490.31

    SAVINGS: 10,000!
    • allydowd
    • By allydowd 12th Aug 18, 7:33 PM
    • 4,409 Posts
    • 28,579 Thanks
    allydowd
    Morning folks

    DNMS - sorry to hear you have work troubles
    Ally - I hope the faeries didn't take you
    HK - how is your knee?
    Originally posted by carrielovesfanta
    Hugs to all who have struggles today.

    CLF I made it back from the moor. Thanks. I thought I would get another wear out of my lightweight rainmac that I haven't worn for a couple of years. Only to find it has lost it's waterproofing! Finished my 8km moorland run feeling like a drowned rat. Then missed the train I was going to take one-stop home by 2 minutes. Luckily DW was able to drive the 5 miles and pick me up. I couldn't face an hour's wait soaked to the skin.

    So I now need to either buy another rainmac or buy waterproofing spray, both of which costs a similar amount.

    Came home and had a long shower and then put the electric fire on in the sitting room for 15 mins. Not very MSE but necessary. Then fell asleep in the sitting room watching Netflix after finishing off the remains of a bottle of red wine we bought for Decemberfest but didn't consume.

    It was worth it though. I've been dying to try that route for weeks.

    Then DW cooked tapas and churros instead of going round the corner to the Tapas Bar and I have just made a homemade smoothie.
    Last edited by allydowd; 12-08-2018 at 7:38 PM.
    Debt-free day: 8th May 2015
    The Joy Account: 10
    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 12th Aug 18, 7:45 PM
    • 4,409 Posts
    • 28,579 Thanks
    allydowd
    Ouch!


    *wraps entire thread in bubble wrap to prevent further mishap to us all*
    Originally posted by carrielovesfanta

    I think we need it.
    Debt-free day: 8th May 2015
    The Joy Account: 10
    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
    • PurpleFairy26
    • By PurpleFairy26 12th Aug 18, 8:06 PM
    • 2,445 Posts
    • 16,600 Thanks
    PurpleFairy26
    Wow, you lot have been in the wars haven't you. I was going to say, stay inside, but in cats case that doesn't necessarily mean it'll protect you. Think CLF idea is the best

    Expensive day yesterday. Ended up buying food out which I was hoping to avoid but we were at the behest of others. We did get free entry to an event saving us 25 though and the food wasn't total rubbish that you sometimes find at such events. Evening was also pricey (but planned) for a very special to us persons birthday. We saved money but me drinking water from table (was driving) and DH stretched 3 beers over 5 hours plenary for the memory bank on both cases. anyway, onto other things and today. I have:

    Roast dinner with leftovers for tomorrow for fry up, means tomorrow tea can be deferred
    Made pudding all from store cupboard ingredients, including foraged jam
    MIL presents bought a while ago dug out and wrapped with paper from stash
    Quick tidy round
    Went to h0me bargains and got some items that I know were cheaper there
    Used moc te$co
    Paid some money I'd borrowed back to dd piggy bank
    Tried some clothes on I'd ordered online, lots going back
    Sewed lining up in dd dress
    Trying a tip from a running site to get smell out of some much loved kit to prolong its life.
    Watching box set on netfl1x subscription
    DH and I both have leftovers for lunch tomorrow, I've found a hm soup portion in freezer

    Enjoy the rest of your Sunday peeps - and stay safe.
    • Mkaan
    • By Mkaan 13th Aug 18, 12:22 AM
    • 20 Posts
    • 14 Thanks
    Mkaan
    Hi
    A silly question perhaps, but what does that switch alarm clock at the wall mean?
    • PurpleFairy26
    • By PurpleFairy26 13th Aug 18, 6:33 AM
    • 2,445 Posts
    • 16,600 Thanks
    PurpleFairy26
    Hi
    A silly question perhaps, but what does that switch alarm clock at the wall mean?
    Originally posted by Mkaan
    It's where it is plugged in to electric and switched off during the day.
    • PurpleFairy26
    • By PurpleFairy26 13th Aug 18, 6:34 AM
    • 2,445 Posts
    • 16,600 Thanks
    PurpleFairy26
    This thread is now closed, pleased go tho this weeks thread here:

    https://forums.moneysavingexpert.com/showthread.php?t=5881170

    And join us with your small things
    • allydowd
    • By allydowd 13th Aug 18, 9:30 AM
    • 4,409 Posts
    • 28,579 Thanks
    allydowd

    * Turn alarm clock off at the wall til tonight. Done.
    Originally posted by allydowd


    I have an electric alarm clock with and automatic radio controlled time reset. The bedroom isn't used during the day so I turned off the alarm clock during the day. When I turn it back on at dusk it resets the time itself. That way I don't pay electricity to run the clock during the day.
    Debt-free day: 8th May 2015
    The Joy Account: 10
    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
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,661Posts Today

7,499Users online

Martin's Twitter