What small DFW things will you be doing today? Wed 3rd Aug July

Wannabe01

Good morning everyone. It’s a lovely sunny day here today.



My list for today:

• Check emails DONE
• Do available surveys DONE
• Check one poll DONE Earned 55p
• Check pure profile DONE - Earned 5p
• Bath dd DONE
• Quick shower DONE
• Take kids out for a walk DONE Its hot outside today, hope this weather continues.
• Daily clicks DONE
• All meals from stores DONE
• Catch up with mates online rather than phoning DONE
• Do some work – aim to do 5 hours DONE Only managed 3 hours but better than nothing
• Do some work on blogs DONE
• Phone mum about babysitting at weekend - Hoping to take ds to the funfair as an early birthday treat. DONE
• Cancel graze account DONE
• Look for cheap stuffing online (for the soft toys that I'm making) Work In Progress - I am watching 2 different ones and can't decide which to get, will have another look tomorrow and make a decision.
• Order game console for ds birthday (I found it cheaper in Argos only £29.99 – I can’t believe he will be 8 next Wednesday) Work In Progress I found something else on the site and undecided which item to get, will ask DH for his opinion later and order it tomorrow.
• Have a NSD DONE
• Catch up with the washing DONE
• Tidy the office and desk Didn't get this done so will add it to the list for tomorrow.
• Do some of the ironing pile DONE
• Package up the sold items Work In Progress - Got some of this done will do the rest tomorrow.
• Sort through a bag of unwanted items and take pics DONE
• List some items on ebay DONE Managed to get 10 items listed today.

I think that is everything for today. Hope everyone has a good Wednesday.

La_escocesa

Hey :wave:

Ok, thanks Stitchy I'm going to try this wonderweb stuff… Wish me luck! This will be a challenge. Might even fix my other trousers at the same time… Only other problem now is that I hate ironing. Oh the traumas life brings :rotfl:

Other small things:
- OH bought monthly travel card - better than £11 a day, saves about £2.50 a day.
- Brekkie at home
- Free cuppa in work
- Checked banking and cc - need to list stuff out and see what to pay when - bill is generated on 16th so if I pay some off before then then it won't appear on my bill - ie paying some out of this month's salary and some out of next within the same month IYSWIM.
- PAD to balance transfer cc - rounding it down to a nice round figure :cool:
- Put pennies in the pot, about 16p
- Transfer to Virtual Sealed Pot - have been slacking with this recently and it's a great way to build up a little pot so best get back on it!
- Big shop tonight - write list before we go (using mysupermarket.co.uk and print out list) and use MOC
- Tied hair up - double benefit of not needing to straighten hair and didn't mind that I've not been to hairdressers - trying to put it off until September :cool:

WelshWoofer

Morning all!
Just back from the bank sorting out my new finances with the helpof a mortgage lady and a financial advisor - almost 2 hours!:eek:
BUT they were both very helpful and very understanding (about the OH separation situation) and have effectively made me debt free!:j:j
Basically, I currently have an interest only mortgage with a repayment endowment thingy supposed to repay it in 15 years time - I've never been overly comfortable with this (the risk etc) and wanted to change it anyway. They advised I cash the endowment in (approx £25,000) pay off my only debt (£12,000 left on a loan) and put the rest to the mortgage. THEN, swap the mortgage onto a normal repayment one over the same term as the existing one and hey presto I have NO DEBT (apart from mortgage), the mortgage payments are approx the same as they are now, and I have reduced my monthly outgoings by £350!:T:T
They had to explain it a few times as it seemed to good to be true but it is real!

The credit search revealed that I have the best rating possible (was surprised at that;)) and the mortgage has been accepted and is going through as we speak!

A MASSIVE WEIGHT OFF MY MIND!!!:):)

So it'll need a bit of financial jiggerypokery for the next month whilst everything is set up but from Sept I'll be debt free and have more surplus cash - hurrah!





Other DFW things for today (although that was the biggy!)...

• Taken library books back DONE
• Dropped a load of books off at charity shop DONE
• Walked dog DONE TWICE
• Will have all food from stores DONE
• Stick to diet DONE So far
• Do the glossing in the spare room and downstairs loo ready for the new carpet and flooring on Saturday DONE
• Phone carpet people to make sure they're coming before I rip up the old flooring
• Finish sorting the books out DONE almost
• Try to dismantle old desk DONE
• Write a shopping list for the weekend DONE part of it
• Do a little happy-relieved jig around the living room!:rotfl: DONE DONE DONE!!!

La_escocesa

Wow WW - that's awesome!!! Good for you

allydowd

I'm a fan of Loch Lomond too: I live 20 mins away, it's where my OH proposed.

Just booked a mini break to Skye climbing...can't wait. Used the library computer so as not to use too much electricity. Just need to get one more night's accommodation fixed. Also borrowed guide books from the library. We've been up there many times but it's nice to have fresh ideas.

Had a nice barbecue from stores at lunch time.

Pernicious

Helloooo everyone!

Nearly halfway through the working week, I am ready for the weekend already :rotfl:

Managed to catch up a bit with flying & a few others bits last night so feeling a bit less stressed, although there is still more to do!

Ally - Sorry to hear about your electricity bill shock, hope it's not as bad as it sounds!
Candy - At least you have a nice reward to motivate you to get debt busting
NTBY - Really? This does surprise me! You simply must go & see another band you really love, it's one of the best experiences in the world I think, I'm addicted! I am slowly tackling said addiction by trying to limit myself to bands I've either not seen already, or haven't seen recently...or in the case of Iron Maiden, was just dying to see again But anyway yes, go do it! Hope the motorbike lesson goes well, that's on my list of things to do as well, just can't afford it yet.
Stitchy - Hope you sort the cc issue out, I think NSD's are good in some ways in that it motivates you to not spend any extra, but I agree with Josie if you're strict with yourself anyway there's not much in it.
Welshwoofer - That's fantastic news! Really pleased for you


Today I have/will:-

• [STRIKE]Used freebie deodorant that I am being paid to trial[/STRIKE] - Turns out I was right & it is Dove, wahey!
• [STRIKE]Made use of free water/milk at work [/STRIKE]
• [STRIKE]Food from stores[/STRIKE]
• [STRIKE]Check ebay to see if anyone has left me feedback yet...starting to get a bit paranoid![/STRIKE] - Still nothing!
• [STRIKE]Check online banking[/STRIKE]
• [STRIKE]Dinner from meal plan[/STRIKE]
• [STRIKE]Check for surveys[/STRIKE]
• [STRIKE]Enter comps[/STRIKE]
• [STRIKE]Will use freebie toner as part of Tesco Home Panel[/STRIKE]
• Take a quick look at the weekend thread if I can find it
• Take refillable water bottle to tkd tonight - Didn't go in the end
• [STRIKE]Check out Flylady thread & do the bathroom at the very least tonight[/STRIKE]
• [STRIKE]Read Martin's email[/STRIKE]
• Go through budget again & see what I need to arrange still, car insurance is done but need to work out if I can afford airport parking/travel insurance this month or if it needs to wait until next month
• [STRIKE]Check when I need to cancel Equifax to avoid fees[/STRIKE] - Uh today, !!!!!!! I swear it wasn't that long ago

Have a great, moneysaving day everyone x

kjp

kjp wrote: »

Hi all!

Thanks for starting the thread, hope you enjoy your days off Ally and sorry to hear about your electricity shock - hope you can get it sorted soon.

Today I will:

• [STRIKE]Read Martin's email :money:[/STRIKE] Ordered some free toothpaste!
• [STRIKE]Check banking - should be no more changes now money's come in apart from phone bill til end of the month - fingers crossed![/STRIKE]
• [STRIKE]Drive carefully to work to preserve my two bars of petrol, hoping to make it last another day[/STRIKE] Two bars still intact when I got to work, will drive home carefully also in the hope I can get another day out of the tank!
• [STRIKE]Post ebay item[/STRIKE]
• 500 words of essay
• [STRIKE]Work hard![/STRIKE] Still at work although I should have finished half an hour ago - taking a mini forum break before finishing off my minutes!
• [STRIKE]Lunch from stores - thinking cup a soup...[/STRIKE] Cup a soup and a free caramel slice - yum!
• NSD hopefully unless I need to get petrol So far so good!
• Keep a close eye on Ebay items and will them to sell soon!
• Check paypal balance and maybe transfer some out
• [STRIKE]
• Watch TopCashBack like a hawk to see if my cashback is ready to be paid![/STRIKE] Not yet

Right, best get ready for work so I can leave on time and not have to waste fuel rushing to work!

Have a great day everyone, the sun is shining down here!

Kx

Hi all

Well, the sun's gone in - rubbish! Have managed to spend no money so far which I'm quite pleased with, free food has helped with the vending machine munchies though... Off home in a mo to do my essay and maybe measure up my Ebay items to check on shipping costs so I can actually get round to listing them and get my bedroom back!

Hope everyone's had a good day, WelshWoofer, what a result on the mortgage, you must be pleased! La Escocesa - what's a Virtual Sealed Pot?

Right, best get back to my minutes, nearly done then I can go home!:T

Kx

La_escocesa

kjp wrote: »

La Escocesa - what's a Virtual Sealed Pot?

Right, best get back to my minutes, nearly done then I can go home!:T

Kx

It's a challenge on the diary board...shall dig out the link... https://forums.moneysavingexpert.com/discussion/2896760

Basically every Friday you round down your bank balance to the nearest £10 and save it. "Sealed pot" because you don't dip into it until e.g. Christmas and "virtual" because it's a savings a/c and not an actual pot on your shelf... Really adds up nicely and I never really notice the £££ leaving (and I do like to work with round numbers )

determined_new_ms

hey guys :hello: very late posting for me! Busy busy busy! Hurrah to Wednesday being over - but I may have to work on Saturday :(:(

Anyway that's yonks away and you never know my staff member might get better!

(josie I saw ur posting this morning & I have definately been with you :T)

Today:

• brekkie, lunch & dinner from stores - dinner was tres DFW Bacon & potato fritata mmmmmmmmm
• check banking
• work out what money I need to put in/take out of the joint acc
• quick shower
• pedicure & facial later - using free samples
• wii fit
• wash up rather than DW (wish oh would get with the programme on this!!)
• washing in a bit & line dry (check weather & if its gonna clear tonight/tomoz put it on the line - its so unbelievably hot down south!)
• defrost chicken & chop up veg to throw in the SC tomoz morning
• went for a walk in my lunch break
• minsue a small area - shoes or bedside chest of draws - as we are definately moving :j

Wow WW that's not really a small thing is it???! Congrats

Wannabe how was your first shift?

Alley thanks for starting us off & soz about the elec bill - we've just changed suppliers, am slightly nervous we'll have a whopper

happy days lovelies x

Wannabe01

determined_new_ms wrote: »

Wannabe how was your first shift?

My first shift was fairly quite but I guess that is best way to start although it was a bit boring.