Friday 1st February 2013 - What small DFW things will you do today??

bt1

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! Happy Friday! Can't wait for today to be over with - its going to be really busy at work, just wanna get home and lounge about for the weekend.

List for today:

• [STRIKE]Checked bank[/STRIKE] - move money from savings to pay rent etc and also to pay money off debt.
• [STRIKE]Updated app[/STRIKE] - all matching
• [STRIKE]Updated sig[/STRIKE]
• [STRIKE]Lunch and snacks from home[/STRIKE]
• [STRIKE]LSD[/STRIKE][STRIKE] - I may need Friday treats! [/STRIKE]40p can of pop.
• Going to bf tonight so will need petrol (budgeted for but will pay on credit card and payback in full each month to keep credit rating good) still to do...
• Call credit card company to change direct debit from min payment to full amount!! completly forgot to do this!! May try and do this now!
• Do washing tonight and hang up to dry overnight still to do...

That's about it, will try and update later xxx

determined_new_ms

Morning bt1 thanks for starting us off! Hope you are feeling better now x

Thanks to ally for the Senseo freebies much appreciated! Loving that I got given this coffee machine and my lovely took the time to work out what was wrong with it and fix it for me :A

plans for the day

* all meals from stores - we had a cheeky takeaway last night am pledging right here we won't have any takeaways in Feb!
* checked banking
* did VSP & updated sig
* go collect two items from freecyclers
* check onepoll
* cheeky bottle of wine and a film tonight
* read though & start job appl
* make good use of coffee & water at work
* stay behind at work for 30 mins to make up some time

think that's it, have a great day everyone x

stacey2193

Good morning all,

I am up very early today considering its the start of my three weekend night shifts but I have been going to bed very early lately.

Had scrambled eggs on toast for breakfast

Today I need to/will

Ring washing machine repair man ( lodger broke it again)
Friend is coming to lift old freezer into my car so I can take it to the tip
Sort out recycling
Bake chocolate brownies and banana and sultana cake for night shift
Check banking still waiting for delayed CSA money three weeks behind now
Drop DD new phone off at my mums when it arrives today (christmas present which didn't turn up)
Take more washing to mums and collect any she has done for me
Nap this afternoon before work
Enjoy lift to work as I am now car sharing and am not driving this weekend so no diesel needed !

Have a fantastic day all and keep smiling

Much love

S x

stitching_witch

Morning all, and thanks for starting the thread bt1. Yay, it's a Stitching Witch day today but I've got so much running around to do that I won't get much time in the sewing room

List so far:

• Breakfast from stores - poached egg on toast
• Fed and watered the chickens
• Checked banking - all bills now gone out and a little bit left to buy food
• Checked for surveys
• Checked business emails but no more orders yet

I will also:

• Input shopping list onto my$uperm@rket to check prices then print off
• Pop into work for colleague's 70th birthday celebration - she still works full time
• See the lovely chap in V0daf0ne shop to ask why I'm paying £10 a month more than I was told :mad:
• Take a sandwich and fruit into town to avoid buying a lunch
• Collect DGD from school and take her home
• Do the rounds of the supermarkets getting each item from the one which is cheaper
• Quick fried rice for tea using the last of the donated pork joint
• Keep checking for surveys - did loads yesterday
• Knit this evening

That list shows why I probably won't get to do any stitching!!

Have a great day, stitchy x

Karb

Morning everyone. Off out to a geocaching event near Shrewsbury straight from work, but my train pass will cover me as far as the nearest station, then a friend will pick me up at the station and drop me back at the train station so no travel costs at least.

Will try to limit my drinks spend, and go for a cheap option on the menu.

Checked online banking this morning. All the dd's have gone out as expected, so no nasty surprises lurking there.

A bit short of time this morning. I'll try to post properly later.

Have a good day everyone

Sazdaz

Morning all, well managed to get up early enough this morning to do a quick couple of minutes on here. Had a great evening last night of Goodies, went to see grandparents and they had a voucher for free bottle of Mr T best brand juice so gave it to me which I collected, yum cant remember last time had fresh juice. Then they dont like the toilet rolls they have and got new ones so gave me the 6 they dont like, they are about four times the price of the ones I normally buy so luxury for me and last me at least the next month or more.

Got a days works at DM work today as extra money so off to do that, and looking forward to it.

So far today:

-Had breakfast of porridge - 4p
-Made lunch from stores, - Pitta with cheese, and fruit 40p, which leaves 66p for dinner tonight.
- Made dogs dinner of rice and meat

To do:

- Pay money into bank for tv package payment - Done
- empty dishwasher and reload - Done
- ironing
- put delicates on that I didnt do yesterday
- Get stuff ready for training on saturday
- clean cooker - Donw
- do my swagging - Done
- do one poll - Done
- check mystery shopper - Done
- check gmail for surveys - Done


Think that is all for today as I will have to do most of this after i finish work which wont leave much time and finding my ME feels bit better if I switch off by 8pm and relax.

Hope everyone has a great day and doesnt get too wet.

allydowd

:hello: Hi! Today is my day off so I will:


Read money news online. (Huffington Link)

Encourage OH to keep doors closed when the room is warm.

Used online RadioTimes instead of buying paper one. (Link)

Use www.0800buster.co.uk again to call an 0800 number directly from my mobile at no cost. Read the Disclaimer on the left before using! This service works just fine for me.

Tell friend how to check if you have unused/forgotten /Tesco Clubcard vouchers and how to claim them instantly online. (Link)

OnePoll.

Supplied new utility company with meter readings...again...this is the third time how many more do they want?!

Checked Freecycle. (Link)

Planning tomorrow's trip to a concert in Glasgow. Best travel is by car to the city centre, then £2 for car parking planned using Parkopedia (Link). Concert tickets bought months ago at a discount.

Get Nectar Points added on at BP petrol station when I pass.

Home-grown coriander on windowsill nearly big enough to eat.


HOW TO GET A NEARLY FREE DOMINOES PIZZA:

I've just placed an order for this. Here's how.
1) Sign up for TopCashBack for free. Takes a minute. (Link)
2) Go to authentication email in your email box and click to authenticate your account.
3) Go to Dominos through here and spent £15+. (Link)
4) Enter FEEDME50 at the checkout.
5) Should track on TopCashBack within 48 hours. Mine tracked within 10 mins.
I paid £12.48 for a huge pizza and some chicken nuggets which will feed us for two days. I've got to collect as I live too far away. Should get £9.99 cashback on this. Not bad for £2.49!
I'm not responsible for TopCashBack paying out. These instructions are given in good faith.


GOOD NEWS:

:T You'll remember that you now can't get Quidco cashback on eBay from yesterday....Well, now you can now get 1 Nectar Point per £1 spent on eBay from today! You must link up your accounts here, in advance. It's easy to do. (Link)


OFFERS:

Free Cravendale milk draw TODAY via Facebook from 10am til 4pm. Good luck. Enter now, results in your email box by 5pm. (Link 1) (Link 2)

50 Free Nectar Points for answering a quick 5 question survey on the Nectar site. Quick and easy. (Link)

50p off Weightwatchers dessert. Instant printable voucher. (Link)

£1 off E45 creams and products. Instant printable voucher. (Link)

£5 off £35 at Lidl until Sunday night. Instant printable voucher. (Link)

Free Kindle books. No catch. (Link)

Free F1 magazine. (Link)

Free entry to Brighton Racecourse in April. (Link)

Free one-month Tastecard for 50% off restaurants. A year's membership retails at £79. (Link)

Free Comedy Club tickets, Newcastle. (Link)

Julie67

Morning all,

Can I join you. Just started on the long road of DMP so need to be money saving every day. I'm a learner so be gentle with me:D

Today I've
Checked my online banking
Need to go through our new budget and work out how much to transfer to savings for emergency fund.
Go to Aldi and just get what's on the list
Wait for post and CRB so that I can start agency work!
Post on DMP support thread, have a couple of questions
Need to sew some seeds this weekend so that we can grow some veg this year

Can't think of anything else, have a good day

allydowd

Julie67 wrote: »

Morning all,

Can I join you.

Of course! Welcome!

ziggy2407

Good Morning my lovelies

bt1 - Thanks for starting us off
julie67 - welcome
La E - Congrats, well done

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 (sorry its so boring ...) :

Check Banks - Done
Check swapits - Done
List lots of swap cards on swapits for LO -
Check www.freepostcodelottery.com -
Input Coke zone codes - Done & ordered cinema ticket
Pay deposit for summer hols -
General Tidy up - Done
Packed lunches for LO & OH - Done
Work (11.30-2.00) -
Up to date on main email account -
Filing & Shredding -
Surveys -
Update Food Tracker - In progress
Meals from stores -
Enter a few comps -
Read/knit (I WILL finish this baby blanket & cushion before end of Feb) -

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

C xx

mummybearx

Morning all!!

Not much happening here today, don't need anything other than coffee so LSD at most.

All food from stores, even though I really really want to go food shopping. Still got loads in though, won't be going to a supermarket til at least Sunday, honest!!

Will check banking, need to make sure my DD is set up for my new credit card. Don't want a late payment charge! :eek:

Doing swagbucks as we speak, checking onepoll throughout the day. Will check the competitions boards and freebies.

Might make more progress with my button canvas tonight. It's for my niece's 1st birthday which isn't til 24th of the month, just want to get it finished so I know I'm happy with it. Don't want to rush, but can't have it dragging on either

hope everyone has a good day