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Sat/Sun 8/9 December - What small DFW things will you do today?
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# 1
allydowd
Old 08-12-2012, 5:54 AM
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Join Date: Jul 2008
Location: Scotland
Posts: 1,614
Smile Sat/Sun 8/9 December - What small DFW things will you do today?

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
.


G'morning DFW-Jedis. Today I will be:

#Trying to avert a disaster! OH and I decided to only by two gifts each this year for Christmas. And the 'perfect gift' I found for my OH is out of stock so I need to find a new supplier. Looking for one of these:
(Link.) It's the perfect gift as my OH and have joked about getting old and having an allotment (!) since we met five years ago and I've set my heart on getting it for her. We tried to get a real allotment but there are none to be had locally although we do now have a big back garden which is going to have a big veg plot. Oh my, I found one on Amazon!!! Oh the relief!!!

#Try to finish wallpapering sitting room. We found some inexpensive wallpaper in town yesterday but only managed to get one wall done yesterday. Returned three other rolls of paper for a refund. Use wallpaper paste from another project. Did very complex calculation to work out the smallest number of rolls we could get away with buying given that the paper has a repeating pattern.

#Week 3 of no tv. Will watch Top Gear tonight downloaded from internet on iPlayer. Cancel tv license if this continues. You only need a license if you watch tv as it's being broadcast and we're not just now. No aerial/dish! (Link.)

#Week 3 of no anti-depressants. Enjoying not having to go collect prescriptions. That's a few pennies petrol saved.

#Anyone want to see our newly decorated kitchen? All done DFW-style.
(Link.)

#Lunch today: last night's leftovers. £0.

#Put up Christmas tree left in loft by last tenant when we've made a base for it and finished decorating sitting room.
Baubles and tinsel from last year. £0.

#Staying in; no petrol used. £0.

#Offer curtain rails on Freecycle. (Link)

#Read newspapers online. Find your favourite online paper at the bottom of this page. (Link)

#Get Physiotherapist OH to treat sore back. £0.

#Moisturise very dry hands with olive oil.

#Contemplate buying a solar-powered light to gently illuminate the sitting room at night without using electricity. Will shop around for cheaper ones first.
(Link.)

#Use wind-up torch instead of battery torch.

#OH got paid for mystery shop. Grass Roots are still recruiting if anyone wants to become a mystery shopper.
(Link.)






#Got a smartphone? Got Quidco? Walking past any shops? Get the Quidco App and get paid for checking in at major chains. No spend required. Confirms same day. Last Saturday I earned £2 for walking around local shopping centre while I was waiting for my OH. Most of the time it allowed me to check-in while standing just outside the shops concerned. You need to leave a minute between each check-in. If I'd done every shop in the big shopping centre I could have earned a fiver! (Link.)

# 30% off Hallmark personalised gifts.Enter XMAS30 at the checkout. (Link.)

#Daily Express -80p-Free Settlers Mintees at Tesco. Page 34.

#The Sun-50p-Page 24 Coupon for £5 Off £25 Spend at Debenhams. Also Valid Online with Code RK73. Page 24 Coupon for £5 Off £25 Spend at Dorothy Perkins
Valid to 14/12, also valid at www.dorothyperkins.com/sun with Code DPSUN1.

#DailyStar-55p- Free £10 Footie Bet (new customers) - Redeem at Totepool.com Please gamble with care, losing all your cash at the bookies isn't very DFW!

#
DailyStar-55p-2 for 1 Pizza PLUS FREE Coca Cola - Redeem at Papa Johns

#Free £10 train e-voucher. (Link.)
Credit Card ...........................................£2,380
Original debt.........................................£12,000

"
Everything works out well in the end; if all is not well, it's not the end."

Last edited by allydowd; 09-12-2012 at 10:54 AM.
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# 2
katy_ann
Old 08-12-2012, 8:13 AM
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Join Date: Oct 2011
Location: Dorset
Posts: 613
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Morning And good weekend! Today I will be;

- Doing a load of washing and hanging to dry
- Buying a cheap shredder to shread my paperwork
- Going to the bank
- Going to the tip to get rid of an old duvet
- Trying to get rid of an old wedding dress, am now thinking charity shop as it just wont sell!

Hope everyone has a good weekend! x
*~Katy~*
Swagbucks | Nectar Adpoints | Nectar Canvass
Self Managed DMP since February 2013
Total debt as of 01/04/2014 - £3958.92
DFD October 2016
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# 3
allydowd
Old 08-12-2012, 8:36 AM
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Quote:
Originally Posted by katy_ann View Post
- Trying to get rid of an old wedding dress, am now thinking charity shop as it just wont sell!
Have you tried advertising for free on Gumtree? (Link.)

Or taking it to a dress shop and asking them to buy it?
Credit Card ...........................................£2,380
Original debt.........................................£12,000

"
Everything works out well in the end; if all is not well, it's not the end."
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# 4
rising from the ashes
Old 08-12-2012, 8:44 AM
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Morning all Ally thanks for starting us off, great news you managed to find OHs pressie somewhere else & the kitchen looks fab! The units look really new & clean - were the flats refurbished before you moved in?

Things for today:
  • Have bath, thermals on ..... heating off
  • B / L / D from stores
  • Don’t smoke
  • Check online banking, shuffle as needed & update spreadsheets
  • Sort cats & tidy up
  • Check e*bay listings & cat food swap / sale site
  • Knit DMs Christmas scarf .... running out of time!
  • Apply for Virus Software Renewal through online banking
  • Do some more shredding
  • Check tyre pressures & top up screen wash - making stronger as this was frozen the other morning!
  • Cover outside tap so it doesn't freeze
  • Sort junk stuff that seems to have accumulated on garage floor since I cleared it out (again!) so I can put car in if it gets awful
  • Finalise 2013 budgets - trying to work out how much to add to this years' figures for inflation etc .... any ideas?

That's it for now - sure I'll think of more!

Have a lovely weekend everyone
Starting again - back on the frugal MSE journey
Groceries & Toiletries: Annual £2080
Coin jars ..... starting again having paid for my car tax!

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# 5
katy_ann
Old 08-12-2012, 9:56 AM
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Location: Dorset
Posts: 613
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Quote:
Originally Posted by allydowd View Post
Have you tried advertising for free on Gumtree? (Link.)

Or taking it to a dress shop and asking them to buy it?
Yes! The local dress shops say they wont take it as its too "bling" it has sequins on the front and ive been listing it on gumtree about 4 times a week for over a year now
*~Katy~*
Swagbucks | Nectar Adpoints | Nectar Canvass
Self Managed DMP since February 2013
Total debt as of 01/04/2014 - £3958.92
DFD October 2016
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# 6
crawley_girl
Old 08-12-2012, 10:25 AM
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Posts: 1,993
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Morning people

This weekend I:
* will collect prescription from chemist and use medical exemption card
* will write a moany email to tesco
* will not smoke or buy any cigarettes
* will go to the cinema at least once using unlimited card
* will go swimming twice using gym card

CG
Ever wonder about those people who spend £2 apiece on those little bottles of Evian water? Try spelling Evian backward.
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# 7
headoutthesand
Old 08-12-2012, 10:30 AM
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Quote:
Originally Posted by katy_ann View Post
Yes! The local dress shops say they wont take it as its too "bling" it has sequins on the front and ive been listing it on gumtree about 4 times a week for over a year now
I sold mine at a boot sale to a lady who was going to cut it up and make period costumes. I only got £20 for it but I'd been trying to shift it for 5 yrs. the fact she was going to cut it up made it more pleasurable to sell
Official DFW nerd no 551 - proud to be dealing with my debts

Nationwide - £3330, Overdraft - £300, HBOS CC - £800
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# 8
headoutthesand
Old 08-12-2012, 10:36 AM
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Today I will/have

Checked banks - all good
Listed on eBay (it's just the things that didn't sell last time)
Cancelled beauticians app in town (26mile round trip). Will just go local instead
Washing on at 30 and will put it on for an extra spin when its finished to avoid it being in TD too long
Going to price new laptops - mines is goosed
Getting roof fixed - must write cheque
Tidy house before putting tree up tomorrow

Have a lovely weekend guys xx
Official DFW nerd no 551 - proud to be dealing with my debts

Nationwide - £3330, Overdraft - £300, HBOS CC - £800
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# 9
jonno7
Old 08-12-2012, 12:08 PM
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Join Date: Aug 2009
Posts: 496
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Afternoon all thanks for starting us Ally

My list for the weekend:
Meals from stores, just need some potatoes. DH out to buy them
Posted 8 e*bay parcels that sold last night. Made £33 DH out to post them
Eat homemade wares from yesterday
Wash bed sheets, dry over doors
Some quality time with DD and DH
Check banking
Move PayPal money
Go to DD Christmas play tomorrow, free entry. Small donation for hot drink and mince pie
No heating on during the days when at home
Look for car seat on offer for DD either through cash back or vouchers

This could all clearly go to pot if bump decides to FINALLY put in an appearance

Have a good weekend everyone
Last CC debt paid off 7th December 2011
4 weekly grocery budget £250.
13th September 2012 - Debt Free
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# 10
Pernicious
Old 08-12-2012, 2:51 PM
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Join Date: Mar 2010
Posts: 1,768
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Afternoon all,

Thanks for starting us off Ally, glad you found the present on Amaz0n, it's cute!
Jonno - Thank you for posting the recipe yesterday, I will give them a go very soon but I don't think they'll last long in this house!

Today I have/will:-
  • Caught up on yesterday's thread
  • Food from stores
  • Dinner from meal plan - Kale & mushroom lasagne
  • Charging phone via pc
  • Heating off as long as possible & on low when needed, lots of layers on to keep warm.
  • Daily clicks etc on Sw@gbucks
  • Log calories using free app
  • Check online banking
  • Surveys
  • Declutter & flylady
  • Check for new mystery shopping opportunities
  • Enter some comps
  • Wrap some presents
  • Read Martin's email properly as I didn't get round to this yesterday
  • Go to second job tonight
  • Pick up photos from Mr T's, framing a couple of wedding photos as cheap xmas gifts for certain family members
Have a great, MSE day everyone x
Debt at Jul 12 OD: £1307.65 CC V: £2145.17 CC B: £5759.48 CC H: £3553.27 M&D: £97.00 Total: £12,862.57
Current Debt: CC T: £1200.00 Total: £1200.00
90.67% paid off, 9.33% to go...

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# 11
WelshWoofer
Old 08-12-2012, 3:27 PM
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Join Date: Apr 2006
Location: Manchester
Posts: 4,986
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Afternoon all - Ally your kitchen looks brand new!

Had a busy day so far and just having a sit down...
Today's little things....

  • Walked dog locally saving petrol to the park
  • Went for a 5K run for free exercise
  • Cleaned whole house
  • Load of washing done and drying on the airer
  • Popped to vegan shop for some goodies that will last a couple of weeks (£10)
  • Did a small shop with a list in Morrisons (hate that shop but was close to it so thought it would save money on petrol)
  • Walked dog in the park on the way back
  • Only got £10 out of the cashpoint to see if that stops me spending willy nilly when there's money in my purse
  • Staying in tonight and watching a boxoffice film for £3.49 rather than spending tons on going out
  • Phone mum on free landline rather than using mobile mins
  • All food from stores - resisted getting a Subway when out, had supernoodles at home instead and am making a curry for tea using up fridge stuff
That's about it for today.
See you tomorrow!
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# 12
MinnieMousesMummy
Old 08-12-2012, 4:58 PM
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Join Date: Jul 2012
Posts: 755
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Good afternoon everyone,

It’s a long time since I posted on here but thought I would make a return.
Ally – Thanks for starting us off today. Your kitchen looks great.

So far today I have spent most of my time working on trying to get some party bookings for my party planning business, which I have just started. Apart from this I have done some washing and spend some time with dd.

Plans for tonight:

Dinner from stores – chicken nuggets and chips dinner is in the oven
Try and come up with ideas to get party bookings work in progress
Apply to Grass Roots done
Look into quidco app
Look into free printing paper (Thanks Ally for this info) can't find this can anyone tell me where to find it please
Do some more washing and hang it up to dry work in progress
Make a start on budgets for 2013

Last edited by MinnieMousesMummy; 08-12-2012 at 5:05 PM.
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# 13
wuvvies
Old 08-12-2012, 5:43 PM
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Join Date: Mar 2011
Posts: 321
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i cant find the free paper either!
today i have:
been shopping
meal from stores
got cash out to use "cash purse" system so that i only use what i have
made homemade pom poms with my little boy to make snowmen
washing all done
ironing mostly done
taken out roast from freezer for tomorrow
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# 14
rising from the ashes
Old 09-12-2012, 8:15 AM
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Join Date: Oct 2010
Location: In my wee bit of Bonnie Scotland
Posts: 11,392
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So .... appears that Friday's hospital trip took quite a lot out of me as I ended up sleeping most of yesterday

Still feeling pretty shattered today - but will try to get a few bits done:

Quote:
Originally Posted by rising from the ashes View Post
  • Have bath, thermals on ..... heating off
  • B / L / D from stores
  • Don’t smoke
  • Check online banking, shuffle as needed & update spreadsheets Done
  • Sort cats & tidy up Sat done / Sun done
  • Check e*bay listings & cat food swap / sale siteSeem to have added lots of things to my watch list
  • Knit DMs Christmas scarf .... running out of time!
  • Apply for Virus Software Renewal through online banking Got new activation code & also downloaded 2013 edition of the software - all working fine
  • Do some more shredding Did a little - loads still to do!
  • Check tyre pressures & top up screen wash - making stronger as this was frozen the other morning! OMG you have no idea how low the tyre pressures were! Just shows what sitting for 8 / 9 weeks can do!
  • Cover outside tap so it doesn't freeze Done
  • Sort junk stuff that seems to have accumulated on garage floor since I cleared it out (again!) so I can put car in if it gets awful Done
  • Finalise 2013 budgets - trying to work out how much to add to this years' figures for inflation etc .... any ideas?
Added for today:
  • Wash & hang up Done
  • Go to local Mr T (well - depending on how you look at it as it's 8 miles each way ) to pick up new iron Grrrrr went ..... it's not beeping there (have the email saying I can collect it) - 16 miles fuel wasted They can't find it & it's now OOS ..... have cancelled & got a refund & re-ordered from Ama*zon
  • Iron I wish!


Back at the hospital all day again tomorrow so may not be around .....
Starting again - back on the frugal MSE journey
Groceries & Toiletries: Annual £2080
Coin jars ..... starting again having paid for my car tax!


Last edited by rising from the ashes; 09-12-2012 at 3:39 PM.
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# 15
WelshWoofer
Old 09-12-2012, 9:08 AM
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Join Date: Apr 2006
Location: Manchester
Posts: 4,986
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Rising - hope you feel better today?

Its cold, wet and windy here today - bit of a yukky day.
Not got a lot planned, am trying to make myself go swimming but I have an itchy rash that's really annoying me.

So little things....
  • Walk dog locally for free exercise
  • Bath dog (he's grey rather than white)
  • Wash wooden floors when dog walking is all done
  • All food from stores - have a yummy looking wholewheat vegan mexican pasty from the vegan store for tea
  • Do some school work - just a couple of hours today
  • Renew library books online to avoid fines
  • Give the bathrooms a good clean
  • Write the dreaded Xmas cards
  • Go swimming if I stop itching
  • Stick to healthy eating
That's about it for today
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# 16
vics199
Old 09-12-2012, 10:01 AM
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Join Date: Oct 2012
Posts: 118
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I always read this thread to see if there are any ideas I could make use of but today I am actually going to post!
  • Earnt £95 pre tax by doing 5 hours overtime at work yesterday
  • Mystery shop yesterday earnt me £5 plus a free panini and hot chocolate
  • Went for a bit of luxury last night and ordered an Indian Takeaway for myself. However it took 1 hr 45 mins to arrive and then I had to reheat it in the microwave so I have been given 50% off my next order which will mean a cheap takeaway in the poor month of January. I will go and collect it next time so I don't have to wait!
  • Today is going to be a NSD cleaning, putting up decorations etc
  • Research local plumbers to get the best quote to put in a new bath (current one has a big hole in it and the person who damaged it is paying for a new one)
  • Make a batch of spiced parsnip soup for this weeks lunches using parsnips from the garden
  • Blanche and freeze the remaining parsnips to eat over winter
  • Batch cook some chilli for dinner tonight and freeze/refridgerate remaining portions
  • Heating off for as long as possible
  • Free listing weekend on ebay I believe so relist all unsold items on the off chance someone wants to bid this close to Christmas
  • Swagbucks
  • Sign up to some more mystery shopping sites
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# 17
allydowd
Old 09-12-2012, 10:34 AM
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Quote:
Originally Posted by rising from the ashes View Post
Morning all Ally thanks for starting us off, great news you managed to find OHs pressie somewhere else & the kitchen looks fab! The units look really new & clean - were the flats refurbished before you moved in?
The units were newly installed by the housing association but they had left big holes in the walls, hence us decorating. We spend just £35 decorating the kitchen.
Credit Card ...........................................£2,380
Original debt.........................................£12,000

"
Everything works out well in the end; if all is not well, it's not the end."
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# 18
allydowd
Old 09-12-2012, 10:51 AM
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Join Date: Jul 2008
Location: Scotland
Posts: 1,614
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Quote:
Originally Posted by katy_ann View Post
Yes! The local dress shops say they wont take it as its too "bling" it has sequins on the front and ive been listing it on gumtree about 4 times a week for over a year now
http://www.preloved.co.uk ?
Credit Card ...........................................£2,380
Original debt.........................................£12,000

"
Everything works out well in the end; if all is not well, it's not the end."
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# 19
allydowd
Old 09-12-2012, 10:53 AM
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Location: Scotland
Posts: 1,614
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Quote:
Originally Posted by MinnieMousesMummy View Post


Look into free printing paper (Thanks Ally for this info) can't find this can anyone tell me where to find it please

They've now run out. That was quick! Will remove my link.
Credit Card ...........................................£2,380
Original debt.........................................£12,000

"
Everything works out well in the end; if all is not well, it's not the end."
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# 20
allydowd
Old 09-12-2012, 10:59 AM
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Location: Scotland
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Quote:
Originally Posted by vics199 View Post
  • Research local plumbers to get the best quote to put in a new bath (current one has a big hole in it and the person who damaged it is paying for a new one)
Consider lagging the bath while you're having it replaced. You may be surprised but using loft insulation/newspapers/bubble wrap around your bath will keep the water hotter for longer and therefore save top ups and hot water, which saves energy and money. All you need to do is tape it on the underside of the bath. (Link.)
Credit Card ...........................................£2,380
Original debt.........................................£12,000

"
Everything works out well in the end; if all is not well, it's not the end."

Last edited by allydowd; 09-12-2012 at 11:05 AM.
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