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Friday 30th November - What small DFW things will you do today?

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allydowd
allydowd Posts: 4,965 Forumite
Part of the Furniture 1,000 Posts Uniform Washer Name Dropper
edited 30 November 2012 at 8:42AM in Debt-free wannabe
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 all. It's my weekend now so today I'll be:

~Listing old freezer for sale on Gumtree.
We invested in a chest freezer so we can freeze left overs, buy in bulk at a discount and store home-grown veg. OH is hoping to grow all our own veg for the second half of 2013. Gumtree is a free website where you can advertise the sale of your unwanted things across the UK and beyond. (Link). There are often things advertised for free on it too. This morning my local Gumtree is offering everything from free doors to free cockerels! (Link)

~Deciding how much of the woodwork in our new house we can leave un-painted and glossing that which needs doing with discounted paint.

~See whether nail varnish remover will remove sticky spots on laminate floor instead of buying metholated spirit. Will test a wee bit first.

~Watching to see if £8.25 is available from Quidco yet. I always try to get cashback through Quidco (Link), Nectar Points (Link) or my employer's Wow Points scheme. I have been using Nectar Points to get cashback on eBay and Amazon a lot since we've moved house. We've bought very little for the new house, on balance, but some things, like buying a Carbon Monoxide detector and changing elec/gas supplier were essential. These three schemes owe us £80 right now.


~Try to find cut price wallpaper border in town so we can finish bedroom.

~Buy today's Sun newspaper - 40p- for free Iceland party food voucher.
TV Bizz Page 4 - Coupon for Pack Of 16 Mini Chocolate Eclairs. Must be redeemed today. "Each voucher entitles the holder to one free product, as specified each day for one day only. Offer is limited to one free product per person." (Link.) Thanks Nudge for this offer.

~Visit some of the sites for free Christmas things I posted late on yesterday's thread. It's post #12.(Link.)

~Daily Mail -55p- is doing a 5 free Christmas cards offer today on page 58. Not a huge steal but worth looking at if you or your neighbour get the paper anyway. The cleaner at my work saves "abandoned" papers for me. Why not ask your work cleaner to do the same? We get the coupons, my neighbour gets the rest for his fire.

~Daily Express -50p- is doing 25% Off Everything at Hobbycraft. Valid Instore Only until 2nd December. Page 47.

~Fix small leak under sink with PTFE tape from my late father's toolbox. That toolbox of bits and bobs has saved us hundreds of pounds.

~Work out a way of saving £10
cos my OH has accidentally overspent on her mobile phone budget by £10. Bless her! :mad:
Debt-free day: 8th May 2015 "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
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Comments

  • determined_new_ms
    determined_new_ms Posts: 7,867 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 30 November 2012 at 8:27AM
    Morning ally :wave: thanks for starting us off and happy weekend :D

    Am up early as oh got up to get a glass of water at 6 and it woke me up, I gave up pretending I was still sleeping at 6.30. I don't mind as I love sitting in the peace and quiet first thing in the morning with a coffee :)

    DFW plans for the day:

    * checked banking
    * did vsp & updated sig (have made several withdrawals recently for xmas gifts. But managed to save just short of £340 this year and then I use it for xmas :T)
    * all meals from stores
    * quick shower
    * load of washing on & line dry
    * NSD?
    * babysitting for a friend tonight - will have a bath at hers (we currently only have a shower and I miss a bath so much!)
    * take xmas gifts to wrap while at friends
    * go for a walk at lunchtime

    Think that's all. Have a lovely day x
    DF as at 30/12/16
    Wombling 2025: £87.12
    NSD March: YTD: 35
    Grocery spend challenge March £253.38/£285 £20/£70 Eating out
    GC annual £449.80/£4500
    Eating out budget: £55/£420
    Extra cash earned 2025: £195
  • rising_from_the_ashes
    rising_from_the_ashes Posts: 12,433 Forumite
    10,000 Posts Combo Breaker Home Insurance Hacker! Debt-free and Proud!
    edited 30 November 2012 at 5:25PM
    Morning all :)Ally thanks for starting us off, good luck with the decorating. DNMS hope you enjoy your bath later - I'd be lost without mine as I hate showers!:o

    It's finally payday :j:j don't know why I'm so excited as it's literally about to all be transferred to various pots / pay bills and I'll be back in the OD:o by errrrr 9am at this rate :eek::o

    List for today:
    • Have bath
    • Thermals on ..... heating off
    • B / L / D from stores - Scrambled egg on toast for lunch (again - have a load of eggs to use up!) & LO pasta bake for dinner
    • Don’t smoke
    • Check online banking Pay's in & gone!
    • Sort cats Done
    • Tidy up Done
    • Check spreadsheets / savings pots up to date Looking a bit better now they've had their monthly feed!
    • Get to grips with S*buck
    • Check cat food swap / sale site
    • Check e*bay listings
    • Knit DMs Christmas scarf .... running out of time!
    • Try to have a walk Brrrrrrrrr it was freezing! All the gardens were still frozen solid!
    • Do the monthly money shuffle :) - various payments to pots & bills Savings pots looking much better now!
    • Work on budgets for month so I know exactly what's what! Work in Progress!
    • Pay DM back for grocery shopping she's done for me since I've been ill Done
    • Find camping stove & put somewhere handy (for power cuts)
    • Take pics of things to e*bay - charged camera last night!
    • Ironing
    • Start searching online for Xmas pressies:eek:
    • Hope 10% off voucher comes today so I can order dog & cats' food Grrrrr - this still hasn't arrived :mad: - really need to do a food order for them ....
    • Mark up new "to do" notebooks - spiral A6 one will be for weekdays (small & light enough to keep in bag) . Fab;) (huge, heavy one :o) from e*bay will be for weekends (it can stay in the house). Doing it this way, also means that there are now enough pages to run from 1st Dec '12 to 31 Dec '13:T This is actually hard work:o Have done the weekend one & up to end of March for the weekday one!
    • ETA look for a basic bank account to open which has online facilities and branch in nearby towns. I like my bank but no branches locally which makes things difficult if I need to pay money in - have savings account with local bank but no online facilities so can't transfer funds to own bank. Done! RBS one is just what I'm after (thanks Ally :T) and has branches in the town where I work & the other 2 town that are near me:)
    • ETA phone & cancel routine hospital check-up next week (different medical condition from what I'm off with and will wait) Done!
    Have a great Friday all
    :D
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
  • allydowd
    allydowd Posts: 4,965 Forumite
    Part of the Furniture 1,000 Posts Uniform Washer Name Dropper
    • ETA look for a basic bank account to open which has online facilities and branch in nearby towns. I like my bank but no branches locally which makes things difficult if I need to pay money in - have savings account with local bank but no online facilities so can't transfer funds to own bank.

    NatWest do Basic accounts with online banking (Link) as do RBS (Link).
    Debt-free day: 8th May 2015 "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
  • OrangeFairy
    OrangeFairy Posts: 2,630 Forumite
    1,000 Posts Combo Breaker


    Hello MSE'ers

    What a chilly Friday morning...however it is silent here at the bus stop at 7.20am and all I can hear is tweeting birds and the roaring sea in the distance and the moon is beautiful and bright- lovely :-)

    Today

    Payday! Check account
    Pay bills
    Use bus card
    Skittles tonight- try and get top score to win a pound :D
    Lunch from stores- cheese rolls
    Dinner from stores- leek and potato bake
    Order Xmas bits I have been waiting to get
    Homework with the kids
    Work hard

    Thats me :-)

    OF x
    Orange Fairy
    House Purchased April 19 :) CC1=? CC2=? DH CC= Mortgage Overpay = £0 Savings = £0 Xmas savings = £0 Weightloss = 0 lb


  • allydowd wrote: »
    [/LIST]
    NatWest do Basic accounts with online banking (Link) as do RBS (Link).

    Ohhhh thanks Ally - no Nat West's here but there are a few RBS ones around (both in town where I work and other towns nearby) which would be really handy.

    I'm not wanting my salary paid into it (as don't want to change main bank) and not sure if that's an issue for bank nowadays (?) but would be setting up a transfer to it each month.

    Will have a look at the RBS one! Cheers:T
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
  • mineallmine
    mineallmine Posts: 3,053 Forumite
    Part of the Furniture Combo Breaker
    £ Send follow up complaint letter to energy company who offered tiny compensation for a big mistake
    £ Drop off decluttered bits to charity shop to help them
    £ Write a meal list from what we have in the cupboards (we can have hotdogs tonight with Iceland part baked rolls, onions and mustard
    £ Double check things are not on standby around the house, have a blitz of turning things off
    £ Start doing calculations to see if we can buy a chest freezer

    Can't believe I forgot about this thread, it's so useful :j
    :) Declutter 300 things in December challenge, 9/300. Clear the living room. Re-organize storage
    :cool2: Cherryprint: "More stuff = more stuff to tidy up!"
    Less things. Less stuff. More life.
    :heart: Fab thread: Long daily walks
  • Just caught up with the end of yesterday's thread and had to say ....

    Carrie (((hugs))) ..... nothing I can say will help but just wanted you to know I understand (and remember the days of sitting outside the house in the freezing cold in winter, trying to pluck up the courage to go in) ..... xx
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
  • Morning All :) Think big dodgy hugs all round (either to feel better or to keep warm - whichever you need/want) :grouphug:

    My list for today:

    Dig out new christmas tree lights to take back with charger for refund - £27 back to me :D
    Liberated 2 more small bottles of toiletries in the shower from hotels this morning, washed hair in fancy shampoo from recent work visit to VERY nice hotel
    Used leave in conditioner to minimise shower time
    Check banking - move £co payment to wardrobe account
    drop boots of later to someone on FB selling page - £5 to me :D
    Meals from stores
    List more on e*bay
    Give birth - didn't do this yesterday :o
    Try and do work expenses if I have time (although I've finished there are a couple outstanding as I still get some good benefits whilst off). Will need to locate credit card bill for this

    Think that's all - have a great day folks :j
  • allydowd
    allydowd Posts: 4,965 Forumite
    Part of the Furniture 1,000 Posts Uniform Washer Name Dropper

    I'm not wanting my salary paid into it (as don't want to change main bank) and not sure if that's an issue for bank nowadays (?) but would be setting up a transfer to it each month.

    Will have a look at the RBS one! Cheers:T

    You don't need to change your main bank to have any type of RBS account.

    Call during office hours on 0131 549 8888 and say you want a new Basic account. They'll transfer you to TAS dept to open one there and then. And for a Basic account you'll not need to be credit checked.
    Debt-free day: 8th May 2015 "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
  • mummybearx
    mummybearx Posts: 1,921 Forumite
    Morning everyone!!

    Need to be quick, mega busy in work today (but yet I'm still on here reading.... :o)

    Payday today :j
    Recheck budget, see if I can rejig anything
    Check onepoll
    Check Swagbucks
    Check TCB see if anything is ready to 'claim'
    All meals from stores (resisting the urge to buy a pizza for dinner tonight, not had one for ages :o)

    Can't think of anything else atm

    xxx
    Can't think of anything smart to put here...
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