Friday 26th Oct - What small DFW things will you be doing today?

determined_new_ms

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 :money:

Morning :wave: hurrah for Friday :j one more day of workdom then 2 whole days off :T am trying to convince oh we should have a weekend off and just lounge around and chill, eat yummy food and go out foraging - we have just been at it for the last month or more and I could do with a break! Anyway better not get too ahead of myself!

*[STRIKE] did vsp & updated sig[/STRIKE]
* [STRIKE]all meals from stores - something out of the freezer for dinner[/STRIKE]
* put air in tyres - definitely needed
* look in poundland for decorating things didn't get a chance to do this today...
* complete job application that closes today called and agreed as long as I send in the application by 9am Monday they will accept it
*[STRIKE] check onepoll[/STRIKE]
* film tonight with oh
* [STRIKE]electrician coming to finish off re-wire[/STRIKE]
* [STRIKE]call garage and see if they can do a service next week when they do the fan belt[/STRIKE]
* [STRIKE]chase up company doing loft boarding and see what they're cost is to install a
ladder[/STRIKE] left message

think that's all for me today! Hope you all have a fantastic day x

allydowd

Thanks DNM and morning all.

We had a fabulous night last night at the Opera in Glasgow. The whole evening was done MSE-style. Tickets bought with vouchers, cheap car parking planned through Parkopedia, interval soft drinks and choc bought at Sainsbury's beforehand for £1.50 and Pizzaland with one pizza shared between two and free salad.

For today, it's day two of a three-day weekend:

:idea:
Should put air in tyres. Thanks DNM. They say you save fuel that way, and are safer, of course. Trouble is we live on a steep hill so all car stuff has to be done on the level for safety and accuracy.

:idea:
Usual things: Read paper online, One Poll (£18/£40), Valued Opinions (£1.50/£10), check banking, checked Grass Roots for mystery shopping, watch wild birds for entertainment over breakfast and chat to pals overseas through Facebook. Done.

:idea:
Finished eBaying everything after our year-long de-clutter. It's been a long slog but all those wee things we've sold have made a huge dent in our debt. In future I think I will look at selling more through Gumtree or Amazon. eBay's fees are crippling. Done.

:idea:
Check for PayPal refund. Done. Still not been actioned.

:idea:
Get partner to check there was nothing in her long-forgotten Quidco account.Done. £0!

:idea:
Chase up Royal Mail who've started returning mail to sender saying we've gone away when we are still living here! Our street is due for demolition and we're one of the few still residing. Furious! Done by email at www.royalmail.com.

:idea:
Going star-gazing for free tonight with a guy from the local observatory out in the hills at an event advertised on the national website: http://www.bbc.co.uk/thingstodo/
Taking coffee in a flask. They've got sports activities, arts and crafts, nature and all sorts on the site. Some events are free.

:idea:
Joined Swagbucks.co.uk. In three hours I have earned and claimed my my first £5 Amazon voucher! Done.

:idea:
Does anyone want a voucher for a free Special K Biscuit bar from Boots? My printer's on the blink just now so I can't print it in colour to use it. First person to PM me an external email address will have the voucher in their Inbox today. (11pm: still available.)

southernbelle

Morning all! :wave:

Today I will:

• Pray for some good ebay sales. Have 6 items finishing today, only one has bids, and then only £1.50. Is it really worth it??
• Check my bank balance, which I hope is still in the black.
• Check for MS.
• Check surveys.
• Swag some bucks - I want to get to my next voucher by Sunday!

Sooooo glad it's Friday!

Sunflower27

Hello All,

Things I will do today.

- Get gold together to send off to tesco gold exchange you get clubcard points with it

- Put my ebay things on tonight

- Got soup in the fridge for lunch and will not go to tesco and be tempted by anything else

Its a little start to change

PurpleFairy26

Morning All Thanks for starting us of DNMS

My list for today:

Working from home, have loads to do so that I can take a days holiday on Tuesday next week. Must not get distracted on here
Meals from stores
meal plan for next week
One load of washing already done, drying on airer.
Jumper on
Update Christmas present list as bought a few earlier in the week, move money from presents fund to re-imburse myself
Work out if it's worth applying for the AMex card in Martins e-mail to get £100 voucher - if so, apply
Check bank account for refund of cardigan I took back yesterday
Work out cost of small business idea I have, teaxt friend and see if I can test the water and sell some things alongside hers when she is having an open house in a couple of weeks. If so - get making :eek:
Find documents for tax return - I know have put them somewhere safe, if only I knew where that was :rotfl:

Think that's about all. Have a great day everyone

tulip28

Morning all,

Made another packed lunch for work, havent bought any coffee's this month. Cleared my car finance (sold the car) and this weekend I am staying in!

Entering comps and soon to do some surveys - can anyone recommend any good survey sites? Thank you x

young_un

Morning all
NSD for me today yay! Got a sausage and chorizo stew in the SC done 2 loads of washing.
At doctors later to discuss the results of thyroid test fingers crossed its normal have massive problems taking tablets
Also going to go for a nice cycle after docs as long as the weather stays the way it is.
Have a good day everyone
X

katie26

Hi- hope it's OK to just join in!!

This thread is such a good idea. I never really think about the little things I do on my DFW journey, but over time they really add up. I'm going to try and think of 5 things a day that are making a difference. I've got a day off from work today so going to tackle some of the bigger tasks, but sure they will be smaller than this most days.

• Write/post letter to Halifax to see if I can claim back some bank charges.
• Phone Orange to try and reduce my monthly bill- since Orange merged with another company the signal in my house has been AWFUL- going to see if I can make them feel a bit guilty and reduce my monthly tariff!!
• Post Ebay items that finished on Tuesday.
• Get up to date with surverys- haven't had time to check my emails properly for a few days, so they're starting to pile up.
• Read through the Clickworker thread to see what it's all about- heard lots of people talking about it and want to see if it's something that I could earn a few pounds doing.

Have a great day everyone!!

Katie

allydowd

southernbelle wrote: »

Today I will:

• Pray for some good ebay sales. Have 6 items finishing today, only one has bids, and then only £1.50. Is it really worth it??

You could try using ecal to work out whether it is worth you using eBay. My PC won't let me post the link but if you google 'ecal ebay uk fee calculator' you'll find it. It'll show you how much profit you would make or how much you should sell an item for to make a certain profit.

Ten years ago I made £750 just selling junk on eBay at £2-£3 profit a time. It took a month of my time but it paid for my house-move. Now the fees have gone up it's been less profitable de-cluttering the house, but overall I've cleared loads of my debt doing it.

You could try selling on Gumtree, that's free, but does mean people coming to your doorstep to view/collect. I've used it but you need to be prepared for folk to try to barter with you: www.gumtree.com

Or sell through Amazon. Fees are explained here. On the basic seller programme you pay only if the item sells, I believe: http://services.amazon.co.uk/services/sell-on-amazon/how-it-works.html?ld=AZUKSOAFooter

Or look at this list of other ways of selling online like http://www.craigslist.org/about/sites/#EU or http://uk.ebid.net/ (I've never tried these but I think they're free to use.)

allydowd

jonno7 wrote: »

Check bank account for refund of cardigan I took back yesterday

I work in banking. Refunds to debit/credit cards typically take two to four days. The refund may be showing as 'pending' on the bank's computer but probably won't be processed into your account yet.

Refunds to account numbers can be done within two hours.

allydowd

tulip28 wrote: »

Entering comps and soon to do some surveys - can anyone recommend any good survey sites?

OnePoll.com sends you lots of surveys but don't pay out until you've earned £40.

Valuedopinions.co.uk send you less surveys but they're worth 50p to £1.50 each and you get a £10 gift voucher when you've earned £10.

Or there's Swagbucks.co.uk