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  • FIRST POST
    • allydowd
    • By allydowd 5th Nov 18, 12:05 AM
    • 4,369Posts
    • 28,269Thanks
    allydowd
    What small DFW things will you do w/c 5th November?
    • #1
    • 5th Nov 18, 12:05 AM
    What small DFW things will you do w/c 5th November? 5th Nov 18 at 12:05 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 5th Nov 18, 12:06 AM
    • 4,369 Posts
    • 28,269 Thanks
    allydowd
    • #2
    • 5th Nov 18, 12:06 AM
    • #2
    • 5th Nov 18, 12:06 AM
    MONEY MAKING AND SAVING SITES AS OFTEN MENTIONED IN THIS FORUM:

    • Benefits check-up (Link)
    • Birthday Freebies (Link) New-ish!
    • Coupon Shop Forum list of money-off coupons (Link)
    • Cooking On A Bootstrap, cheap recipes. (Link)
    • eBid (Link)
    • Freecycle (Link)
    • Freegle (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)
    • 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)
    • NHS Free Prescription Checker (Link)
    • OnePoll (Link)
    • Pick My Postcode Lottery ( 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
    • determined new ms
    • By determined new ms 5th Nov 18, 7:10 AM
    • 7,042 Posts
    • 41,558 Thanks
    determined new ms
    • #3
    • 5th Nov 18, 7:10 AM
    • #3
    • 5th Nov 18, 7:10 AM
    Opps am late! So just a quickie from me before I jump in the shower!

    * checked banks
    * all meals from stores
    * grab B/L to take to work
    * dinner is pulled pork cooked yesterday
    * read books at work
    * submit expenses
    * check onepoll
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • DawnW
    • By DawnW 5th Nov 18, 7:45 AM
    • 5,308 Posts
    • 42,017 Thanks
    DawnW
    • #4
    • 5th Nov 18, 7:45 AM
    • #4
    • 5th Nov 18, 7:45 AM
    Morning all
    Thanks for starting the thread right at the beginning of today Ally

    Up early (though not as early as Ally) and so far I have done the following:
    Load of washing in machine
    Updated freezer and larder inventories (not as organised as it sounds, as I am sure I forget some things!)
    Got rhubarb out of freezer to cook for breakfast fruit, pesto out for dinner and the rest of a bag of coffee to top up the coffee jar
    Breakfast was porridge, half a pear from the fridge and some yogurt
    Ordered meat special offers from butcher
    Added some items to my shopping list (exciting items like loo paper ). I don't think I need to go shopping today though - will continue to work on list
    Admired my mini quince tree with its golden autumn foliage, which I can see from where I am sitting Who says you can't have autumn colours if you only have a little garden?

    Still to do:
    Check banks and update spreadsheet Done
    Work this morning - I usually restock my sales unit on Monday mornings. It is all loaded in the car and ready to go Done
    Washng to go out on line when done, and another load put in Done, first load is finishing off on the airer now
    Sort fridge out Still to do
    Clean kitchen floor Done
    Do a bit in the garden later Not done
    Chicken pesto pasta for dinner - not sure if that is really a thing or if I have imagined it, but that is what we are having Done, it was nice, I would make it again

    Did some surveys
    RM surveys tasks
    Put returned sales stock away, and did a fair amount of general tidying up (always plenty of that to do here )
    Not a NSD as OH went to the chiropractor today, and had to pay for that.


    Happy Monday everyone
    Last edited by DawnW; 05-11-2018 at 7:08 PM.

    • natlie
    • By natlie 5th Nov 18, 7:47 AM
    • 1,204 Posts
    • 5,232 Thanks
    natlie
    • #5
    • 5th Nov 18, 7:47 AM
    • #5
    • 5th Nov 18, 7:47 AM
    Hi
    Haven't posted for a couple of weeks been super busy

    Thanks Ally
    Really watching the pennies this month its going to be tight
    2 buffets tomorrow and Wednesday for the self catering business, most ingredients purchased
    need to put in work expenses today!
    Need to review my budget as seem to be struggling more that when I set it up
    Have sold 2 things on eBay - need to post
    Have listed a couple of items on our intranet at work
    Got loads of food in for the week so don't need to buy anything
    need to bake some treats maybe welsh cakes and flapjacks

    Got a big headache - so going to take some paracetamol before work
    have a good day all
    Nat
    £27328 £26,728 £26,668 £26475.20 £26,696.77 DOH
    • ziggy2407
    • By ziggy2407 5th Nov 18, 8:46 AM
    • 3,276 Posts
    • 25,739 Thanks
    ziggy2407
    • #6
    • 5th Nov 18, 8:46 AM
    • #6
    • 5th Nov 18, 8:46 AM
    Good Morning All

    Ally - Thanks for starting us off today

    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.

    Today we will

    Checked Bank & made PAD - Done
    Meat in SC - Done
    Strip beds, wash and remake -
    Ironing -
    Clean at mums -
    Revision with DS -
    Enter a few comps -
    Purge a few emails -
    All meals from cupboards/fridge/freezer -
    Checked: Tombola Stars, Lucky Bob, FPL, WinaDinner -
    Read library book -

    Have a great day!

    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: £7/£150
    • carrielovesfanta
    • By carrielovesfanta 5th Nov 18, 8:51 AM
    • 1,821 Posts
    • 14,143 Thanks
    carrielovesfanta
    • #7
    • 5th Nov 18, 8:51 AM
    • #7
    • 5th Nov 18, 8:51 AM
    Morning folks!

    Thanks to Ally for starting us off

    Have ventured down the slippery slope today of "arguing with someone on Facebook". I can mostly ignore the idiotic comments of the general populace, but when presented with a vegetarian/vegan telling me that we are grass eaters like sheep, I cannot hold back my sword-hand's anger.

    I have no issue with being veggie or vegan, but we def should not be eating grass. It's a sure-fire way to remove all the enamel off your teeth.

    Anyway - must stop looking at Facebook for an argument.

    Today's mission:
    • B/L/D from stores
    • Charge phone in work - done
    • Gym at lunchtime - done. Despite my vertigo kicking off just before I went!
    • Heating off - it's pretty mild
    • OH to pick up new second-hand breadmaker. Ours has died. Only £35 from FB market and the lady has barely used it. - done
    • Poss cast on sock if can be bothered
    • Turns out that my health insurance are now doing free Amazon prime if you get enough points per month. Mentioned this to a colleague and they are going to give me their fitbit for free
    • No alcohol
    • No sugary stuff
    Not much today

    Have a good one all

    clf x
    Last edited by carrielovesfanta; 05-11-2018 at 3:44 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £10,000!
    • merida88
    • By merida88 5th Nov 18, 9:26 AM
    • 41 Posts
    • 355 Thanks
    merida88
    • #8
    • 5th Nov 18, 9:26 AM
    • #8
    • 5th Nov 18, 9:26 AM
    Hi all

    Been AWOL lately, but trying to get back into routine! Will catch up on everyone's adventures later on

    Today I will:
    - bike to/from work done!
    - all meals and snacks from stores
    - take meter readings
    - complete final online study module

    Hope everyone has a good day
    Last edited by merida88; 05-11-2018 at 5:17 PM.
    • 1LuckyLady
    • By 1LuckyLady 5th Nov 18, 9:34 AM
    • 422 Posts
    • 8,925 Thanks
    1LuckyLady
    • #9
    • 5th Nov 18, 9:34 AM
    • #9
    • 5th Nov 18, 9:34 AM
    Morning all,

    Thanks Ally for this weeks thread.
    Nat, I hope you are feeling better.
    to all

    I've ditched the gym this morning as my gym buddy wasn't able to go and my anxiety had kicked in, its really daft, everyone there is lovely but I'm a very big girl and the thought of having to maybe pair up with anyone else in the class filled me with dread.

    So anyway I'm home for longer so better get on and be productive.
    Todays list
    * wash ds2s bedding and hang on the line (can someone switch a bit of a breeze on for me please??!)
    * make a new recipe butternut squash soup in the slow cooker using the stock I made yesterday
    * leftovers for tea tonight
    * make families lunches for tomorrow
    * wash another load on the quick 30 degree wash
    * run the dishwasher on the quick wash
    * hoover just where needs doing
    * check banking/update spreadsheet & record mileage
    * remind dh to print off the gift voucher given to him for his birthday by his employer as he's had it a couple of weeks now and not done it
    * flylady
    * iron a couple of bits that have been washed over the last few days
    * sort through the front room as ds2 has lost his guitar pick and I'd rather not have to pay for more!

    Thats my starter, hopefully I'll be back to add more as the day goes on.

    Have a good week all
    Last edited by 1LuckyLady; 05-11-2018 at 2:49 PM.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • carrielovesfanta
    • By carrielovesfanta 5th Nov 18, 9:37 AM
    • 1,821 Posts
    • 14,143 Thanks
    carrielovesfanta
    I've ditched the gym this morning as my gym buddy wasn't able to go and my anxiety had kicked in, its really daft, everyone there is lovely but I'm a very big girl and the thought of having to maybe pair up with anyone else in the class filled me with dread.
    Originally posted by 1LuckyLady
    Sorry you're feeling anxious xx Maybe try home workout today if you have room? Fitness Blender have lots on youtube that are good
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £10,000!
    • allydowd
    • By allydowd 5th Nov 18, 11:26 AM
    • 4,369 Posts
    • 28,269 Thanks
    allydowd

    Have ventured down the slippery slope today of "arguing with someone on Facebook". I can mostly ignore the idiotic comments of the general populace, but when presented with a vegetarian/vegan telling me that we are grass eaters like sheep, I cannot hold back my sword-hand's anger.

    I have no issue with being veggie or vegan, but we def should not be eating grass. It's a sure-fire way to remove all the enamel off your teeth.
    Originally posted by carrielovesfanta

    I'm inclined to agree. There's no toxins in grass...but, as you say, the silica would grind down the teeth. More than that though, we've only the one stomach.
    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 5th Nov 18, 11:35 AM
    • 1,821 Posts
    • 14,143 Thanks
    carrielovesfanta
    I'm inclined to agree. There's no toxins in grass...but, as you say, the silica would grind down the teeth. More than that though, we've only the one stomach.
    Originally posted by allydowd

    Well indeed. Nothing like a nutritious meal of indigestible cellulose
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £10,000!
    • Happy Kitties
    • By Happy Kitties 5th Nov 18, 1:00 PM
    • 682 Posts
    • 5,308 Thanks
    Happy Kitties
    Speaking as someone who will be having major surgery on my bladder and bowel in the future, eating delicious meals of grass is a sure fire way of making my bowel blow up and needing the major surgery alot sooner than planned!!!!!!
    2017 birthday savings shopping frugally = 481.15:money. 2018 birthday savings so far=360.66
    • natlie
    • By natlie 5th Nov 18, 1:37 PM
    • 1,204 Posts
    • 5,232 Thanks
    natlie
    I'm vegan and try to avoid all arguments all the time I don't eat grass as I really enjoy the taste of my food. I do get sent lots of meat pictures on social media - bacon and steak usually. As I'm not a fighter I tend to ignore them and block these days. Maybe this particular vegan is just hangry
    £27328 £26,728 £26,668 £26475.20 £26,696.77 DOH
    • carrielovesfanta
    • By carrielovesfanta 5th Nov 18, 2:15 PM
    • 1,821 Posts
    • 14,143 Thanks
    carrielovesfanta
    I'm vegan and try to avoid all arguments all the time I don't eat grass as I really enjoy the taste of my food. I do get sent lots of meat pictures on social media - bacon and steak usually. As I'm not a fighter I tend to ignore them and block these days. Maybe this particular vegan is just hangry
    Originally posted by natlie
    Pretty harsh people sending you pics of meat

    I do eat meat, but I'm not really fond of it. I'd probably give it up if I lived alone. I really don't like steak!
    Last edited by carrielovesfanta; 05-11-2018 at 2:42 PM.
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £10,000!
    • natlie
    • By natlie 5th Nov 18, 2:36 PM
    • 1,204 Posts
    • 5,232 Thanks
    natlie
    Pretty harsh people sending you pics of meat

    I do eat meat, but I'm not really fond of it. I'd probably give it up if I lived alone. I really don't like steak!
    Originally posted by carrielovesfanta
    I've never eaten steak, I was veggie for 25 years and I've been vegan for a year and a half - my mum was a freezer cook so we only ate fish fingers, burgers and sausages - my gran used to cook chicken on a Sunday - I'm 40 now I don't know why writing that made me feel really old someone just sent me a pic of a steak on Twitter not 15 minutes ago
    £27328 £26,728 £26,668 £26475.20 £26,696.77 DOH
    • carrielovesfanta
    • By carrielovesfanta 5th Nov 18, 2:42 PM
    • 1,821 Posts
    • 14,143 Thanks
    carrielovesfanta
    I've never eaten steak, I was veggie for 25 years and I've been vegan for a year and a half - my mum was a freezer cook so we only ate fish fingers, burgers and sausages - my gran used to cook chicken on a Sunday - I'm 40 now I don't know why writing that made me feel really old someone just sent me a pic of a steak on Twitter not 15 minutes ago
    Originally posted by natlie

    Are they trying to freak you out or tempt you? It's very rude of them. I'm getting all angry on your behalf now!!
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31

    SAVINGS: £10,000!
    • allydowd
    • By allydowd 5th Nov 18, 2:42 PM
    • 4,369 Posts
    • 28,269 Thanks
    allydowd
    Continue trial of WGAC toilet roll
    Originally posted by PurpleFairy26

    For anyone wondering. (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 5th Nov 18, 2:56 PM
    • 4,369 Posts
    • 28,269 Thanks
    allydowd
    Hi November Networkers,

    Afternoon! Day off. A slightly spendy one for DW.


    Debt-Free-Nillionaire Continuity Plan Year Four:

    * Check online banking. Done.

    * Looked in lots of shops and buy nothing when in town running a few messages. Done.


    * Homemade butternut squash soup for lunch. Done.

    * Get some exercise.


    * Bake banana bread, coffee and walnut cake and pizza dough. Done.


    * DW to buy a metal stick blender. Done. Was advertised at £20. When we got to the shop there was an identical one boxed differently for £15. Bought the cheaper.


    Things don't have to be perfect to be wonderful.
    Last edited by allydowd; 05-11-2018 at 5:09 PM.
    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
    • browneyed_girl
    • By browneyed_girl 5th Nov 18, 3:45 PM
    • 34 Posts
    • 289 Thanks
    browneyed_girl
    Hi everyone

    Feeling pretty rubbish today . Visited family yesterday who dropped into conversation that they had all made alternative plans for Xmas, despite accepting an invitation from us back in May! Feeling quite hurt tbh as this would have been the first Xmas that DH and I hosted for my family (weíve been together 12 years), as well as DSís first Xmas. Iíve spent the whole year putting aside additional savings to make it a lovely Xmas and traded all my survey points for supermarket vouchers/gift cards to pay for all the food. Donít think they realise how upset theyíve made me, but cried about it to DH once we got home last night

    So...trying not to be too disheartened, and I guess I can now use the vouchers for everyday shopping and make some savings that way.

    Plans for today:

    1. Meals from stores. Had planned to go grocery shopping today but found an extra dayís worth of meals so will be shopping tomorrow instead.

    2. Check survey sites x4. Cashed out £14 on Prolific.

    3. Stewed apples out of freezer for making crumble tomorrow.

    4. Found change in the car which Iíve added to sealed pot.

    5. General housework, tidying etc.

    6. Go through DD3ís clothes as brought down DD2ís old clothes from loft that would fit her now but need to make room for them in her wardrobe. Will divide DD3ís clothes into those to keep and those to be added to cs bag.

    7. Heating off and light fire instead with free wood.

    Thatís all I can think of for now. Hoping to feel a bit cheerier tomorrow!
    Beware of little expenses. A small leak will sink a great ship.
    SPC 12 #50
    Emergency fund £84.43 / £1000
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