Monday 29th March - What small DFW things have you done today?!

picasso2

Hi , drizzly and dreary here too.

Woke up to an interesting email , tax rebate from HMRC , spent the money in 10 seconds in my head then realised it was a phishing email - boo ! Don't worry i'm wise , didnt click anything just forwarded to hmrc and deleted.

DD offered to help by doing weekly shop , long chat about sticking to list and budget , she's talking about leaving home soon so i thought it would be good for her to have a bit of responsibility . Anyhow she came back having overspent by £15 with bags of expensive branded products and lots of sweets and chocolate ! I also have to do another shop towards the end of the week for weekend food. :mad: She just doesn't get it and is affronted that I want to go with her next time to point things out to her.

On a positive note I got an email from mazuma to say payment on way for phone that hasn't been used since 2007

my plans for the rest of the day :

check online banking - shaky , little money shuffle
surveys
competitions
make nutricious HM curried parsnip soup
check ebay sales - doing well
look for items to list
heating off - warm clothes on
HC x 1
light housework

Hide from DD who is now stomping round house in a bad mood :eek:

La_escocesa

Hi everyone :hello:

Did anyone else really feel that missing hour this morning?! It was a real struggle for me getting up for work! Usually try and read the first few posts on here before I leave for work in the morning - no hope of that today! Was a bit of a rush. I'll read up on all your efforts/successes properly when I get home tonight. You're all inspiring me. So addicted to this thread!

Today I'm planning on taking it easy, waiting for the pace to pick up over the bank hol weekend, so here's my wee list:

- Breakfast and lunch from home - feeling quite pleased about this as got OH into it too - made a bacon buttie before work and got tuna pasta for later
- Charge phone at work
- Wash the dishes as soon as I get home when the water is still hot (and only put it on for as little as poss if it's not hot enough - must remember to turn it off when I'm done!!)
- Take shoes back that I don't need and won't wear
- Be sensible and let my friend know that I can't make it to her middle-of-nowhere wedding - would be seriously pricey for travel and accommodation and a v long way to go for an evening invite. Plus, as it's my friend I'd feel bad asking OH to cough up so much money (esp when he doesn't even want to go) and I really couldn't afford to pay for us both. Also, got a hen night two weeks before, a wedding a fortnight after it and another wedding a fortnight after that one! Three weddings in four weeks is too much for my budget to handle, esp when I've got my own wedding budget to think about... Phew, convinced myself! Hopefully she won't think I'm a complete !!!!!
- Put some coins in the jar

Might do a few more bits and bobs. Will catch up later.

La xx

OrangeFairy

Right need you all to tell me what i know i need to do!!!!

Presently with ebay sales and saved march money i have £385! Woohoo!

The plan was to pay the last remaining £196 from Next and the £189 off credit card!

HOWEVER :mad: Got a £414 gas/electric bill which we havent budgeted for (we are from now on!! only become better with money since feb!)

I have paid £100 off it online. So now got £314 to pay. The plan was to ring them and let me pay it over a couple of months. But really i should use my saved money to pay the bill off rather than next shouldn't i????

I know i should pay the bill off but i really want the satisfaction of paying next off!!!!! I reckon with ebay sales and the £71 i will have left over i can still get rid of next by the end of april.......if nothing bad crops up.

What would you all do??

Cleosmum

I have:

• Checked banking and shuffled money about
• Breakfast and teabags to work
• Kids took lunches to school
• Manager bought me coffee
• Worked 5 hr shift
• Bought 2 x 18 Cushelle loo rolls (£4) from M, used 10% discount card
• Bought 5 savers stamps towards xmas food
• Bit of housework
• Got freebie M mag and cut out 4 coupons
• Folded dry HC ready to be put away

And will:

• HC and airer dry HC on
• Put away dry HC
• List item on amazon that I didnt manage last night Done
• Find another item to list on amazon/ebay Done, listed 8 items all together woohoo!
  
• List above item Done
• Lunch and dinner from stores Done
• Update sig with grocery/xmas food totals Done
• If rain holds off then take DS on his bike, he has 3 weeks to be confident enough to do his bikeability :eek: Still raining, dont think its going to happen today

Will come back and update as I do things

Beencounting

Hi everyone :hello:

Love the animals Milly, they’re great!

Picasso – made me smile that you’re hiding from your stroppy teenager…I know the feeling!

Had to dash to the bank this morning to pay some money in and while I was on my way I found £5 on the street! Picked it up pretty quickly and kept going! Will be paying it off the CC asap.

Here’s my list for today:

• [STRIKE]Check bank[/STRIKE] – ok, just!
• Enter some comps/[STRIKE]apply for some freebies[/STRIKE]
• [STRIKE]Check and revise ebay listings[/STRIKE]
• [STRIKE]HC[/STRIKE]
• Had to buy some lunch as slept late this morning
• Do lots of little jobs in work today which have built up
• Find paperwork to return hoover which has broken
• Bit of ironing

That’s probably it for today as I also have to drop/pick up DD to/from the cinema this evening.

Have a great day everyone.

Been

Cleosmum

littlekel wrote: »

Right need you all to tell me what i know i need to do!!!!

Presently with ebay sales and saved march money i have £385! Woohoo!

The plan was to pay the last remaining £196 from Next and the £189 off credit card!

HOWEVER :mad: Got a £414 gas/electric bill which we havent budgeted for (we are from now on!! only become better with money since feb!)

I have paid £100 off it online. So now got £314 to pay. The plan was to ring them and let me pay it over a couple of months. But really i should use my saved money to pay the bill off rather than next shouldn't i????

I know i should pay the bill off but i really want the satisfaction of paying next off!!!!! I reckon with ebay sales and the £71 i will have left over i can still get rid of next by the end of april.......if nothing bad crops up.

What would you all do??

Who is your gas/elec with?

stitching_witch

littlekel wrote: »

HOWEVER :mad: Got a £414 gas/electric bill which we havent budgeted for (we are from now on!! only become better with money since feb!)

What would you all do??

If the gas/electic company are willing for you to pay it over a few months and DON'T charge interest then personally I would pay whatever has the highest rate of interest first.

I am paying a Working Family Tax Credit overpayment off of over £1035 at £25 a month as they aren't charging interest. I could have paid it off several times but decided to use that cash to chip away at the credit cards - one of which has a 29% interest rate.

Just my opinion of course, but it may work for you.

angelflower_2

yep, I agree, if you can pay that off, I would give yourself the satisfaction of clearing your debts adn plug away at the utilities, it gives you an incentive to also be more aware of your usage for future bills.

Weigh up the interest thing - although in my experience, utility companies dont tend to charge interest or extra charges for these types of agreements

josiebabie

I'm with Grannycakes on this one - if they don't charge interest close the Next account first
Jx

spendaholiceejit

Hi all,
I'm a newbie on here. I've given myself a dates to start doing small DFW things from 1st April so hopefully I will be able to join in then, but Im loving the thread, been lurking for the past couple of weeks.
x
:beer: