Wednesday 23 January - What small DFW things will you do today?

ziggy2407

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:

ziggy2407

Good Morning my lovelies

Hi :wave:to all the regulars and lurkers and a BIG welcome to all the newbies, this is a really FAB thread with so many lovely, caring, considerate and supportive people - and I am proud to call them my friends.

Today's small things:

Check Banks - Done
Check swapits - Done
Check www.freepostcodelottery.co.uk - Done
OH & LO packed lunches - Done
General Tidy up - Done
Ironing (while watching The Pradise) -
Work (11.30-2.00) - Done
Exercise - Just lots of walking
Up to date on main email account - Done
Update Food Tracker - In progress
Meals from stores (last nights left overs made into pie) - Done & tasted FAB
Farmfoods - Tomorrow
Enter a few comps - Done a few

Hope you have all had a great day, love to you all

C xx

marriedworriedmum

This is the first tiime I've done this hello!:j

Today I aim to:

Cook breakfast (done) lunch and dinner from stores
Do online polls
Check internet banking (urgh)
Iron the massive pile I have so far been avoiding eye contact with
Take dog for nice long snowy walk
Meal plan for the rest of this week/wkend to see if I can use up what we have before doing another food shop.

Have a great day everyone!

stitching_witch

Hi everyone. It's my day off but lots of running around as usual. I'm spending the day at DD's house as it saves a lot of diesel and it's also warmer than home!
My list so far today:

• Warming porridge for breakfast
• Fed and watered the chickens and collected yesterday's eggs
• Checked banking
• Checked for surveys
• Dropped DH off at dentist whilst driving through taking DS3 to Drs and collected on the way back - one trip for both appointments

I will also:

• Drink coffee and eat food from DD's larder
• Do car insurance quotes online rather than phone
• Pop into town after lunch to do the bits I need there
• Take DD's shoes in to be re-heeled whilst I'm in town saving her a trip and the cost of buying new shoes
• Re-jig budget tonight to allow for the added expense of running a car
• Have a pamper session tonight with Xmas goodies

That'll do me for today, catch up later
Stitchy x

MrsH070707

- free coffee/tea/water from work
- plucked eyebrows instead of waxing (saving £12)
- got a new home insurance quote that works out the same as my current home insurance but I would get £60 cashback
- going to bank at lunchtime to talk about paying off my OD
- brought lunch from home
- dinner from stores tonight

josiebabie

stitching_witch wrote: »

Hi everyone. It's my day off but lots of running around as usual. I'm spending the day at DD's house as it saves a lot of diesel and it's also warmer than home!
My list so far today:

• Warming porridge for breakfast
• Fed and watered the chickens and collected yesterday's eggs
• Checked banking
• Checked for surveys
• Dropped DH off at dentist whilst driving through taking DS3 to Drs and collected on the way back - one trip for both appointments

I will also:

• Drink coffee and eat food from DD's larder
• Do car insurance quotes online rather than phone
• Pop into town after lunch to do the bits I need there
• Take DD's shoes in to be redeemed whilst I'm in town saving her a trip and the cost of buying new shoes
• Re-jig budget tonight to allow for the added expense of running a car ;)pp
• Have a pamper session tonight with Xmas goodies

That'll do me for today, catch up later
Stitchy x

Well here's me thinking I'm going to have a good MSE day today when turns out mum is scuppering my efforts by eating all my food etc! :rofl: ps I got a loaf of bread out the freezer for your lunch x

nurse-money

First time I've done this too!

Today's money saving -

-Drove to my Uni course with work and arrived early therefore meaning I manged to park in one for the free spots! Saved £5 - done :-)

-dinner tonight from stores

-didn't have time to make lunch today, so meal deal £3 max -done

-check banking - done

-check apptrailer - done

foxgloves

A nice peaceful NSD here today. At this rate, I'll have a small bit of my monthly 'spends' allowance left to put in my little secret tin :-)
-Heating off downstairs until 5pm.
-Upstairs heating all turned down now that laundry is dry.
-Did ironing & remembered tip I think I read on here about unplugging iron for last couple of items to save electricity. It worked so thanks, whoever it was!
-Lunch is soup I made yesterday in slow cooker.
-Dinner from freezer, something from my after-Christmas big batch cooking day.
-Checked for surveys & did a couple. Almost at cash-in point but going to wait as I like the £30 Debenhams giftcards more than the £15 Amazon, etc.
-Treating myself to an afternoon of reading & knitting.
Wish the snow would melt so I can get going in the garden....doesn't seem possible that I'll be sowing chillies, tomatoes, cukes, aubergines, etc, next month. Must remember to check my propagator is still working.....was a cheapy, but very good!
Have a good day everyone. I must say that everyone seems very friendly on this thread.
Cheers,
foxgloves x

Pernicious

Afternoon all,

Thanks for starting us off Ziggy.

Today I have/will:-

• B/L/D from stores
• Made use of free water at work
• Log calories using free app
• Check postcode lottery
• Charge phone at work
• Heating off as long as possible & on low when needed
• Check online banking
• Check for new mystery shopping opportunities
• Enter some comps
• Check Gumtree & the FB selling group if I've been accepted yet
• Continue reading household diary thread & making my own freezer inventory/filofax sheets etc.
• Do some surveys
• "Free" guitar lessons on Rocksm1th
• Make up a HM porridge pot for work tomorrow
• Read Martin's email
• Help DH apply for a new job, with a huge payrise! Here's hoping...
• Make use of TKD membership
• Informed payroll of change to current account, can't wait to be paid to have a current account! Only £5 a month but every little helps

Hope everyone has a great, MSE day x

allydowd

Hi :hello:

Thanks for all your lovely wishes yesterday. Today I've:

Called Tax Credits to tell them that my OH and I are not separated. Don't know where they got that idea from?! We are very much together and very much in love, and also aren't receiving Tax Credits just now as I earn "too much", so it was a bit of a surprise to hear from them that I have left my OH and we will be required to pay back all of the £0 we've received this year from them unless we tell them where I am now living?! Used SayNoTo0870 to get a cheap telephone number and to set the record straight. (Link)

Read paper online. (Scotsman link)

7 hour shift at work. Didn't sign up for overtime; too tired and mine isn't the type of job you can do half-heartedly.

Packed lunch from stores; tuna and sweetcorn sandwich.

Read Martin's email. (Link) Will go for the free Shop Scan and Save lunch offer mentioned near the bottom.

Turn down brightness on mobile phone screen to conserve power.

Watch DVD borrowed from neighbour.

Took my first bath for two months!

Herbs and lettuce growing on windowsill from seeds.

OFFERS:

Sure/Dove deodorants 50p in Boots? (Link)

Buy non-sustainable fish in Sainsbury get sustainable fish free. (Link)

Free Drynites sample. (Link)

Morrison's BOGOF offers. (Link)

Two £10 gift cards for £15 at Argos. Two £20 gift cards for £30 at Argos. (Link)

Farmfoods £2.50, £5 and £10 off vouchers. Minimum spend applies. (Link)

50p off Soreen bars. (Link)

Supermarket special offers website. Lists 5000 special offers available in the 3 big supermarkets. (Link)

In tomorrow's Daily Mirror - 50p- a coupon for Free Pedigree Dentastix or Whiskas Temptations at Londis or Budgens. See post #9. (Link)

Tia0101

Today I have only spent money on necessary shopping (£5.18 to be exact) and I have earned approx £25 in cash back by registering for 2 credit reports which I will cancel subscription to once i'm brave enough to look at them!

I have also had two previous no spend days and I have registered for the 2013 challenge to pay of £6000 worth of debt this year.

Not bad considering it's only 4pm