Fri 5th April - What small DFW things will you do today?

josiebabie

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 peeps!

I am at work already and raring to go, who's with me today??? :j:j

This is me:
- Checked bank (no change)
- Breakfast was the last of the yellow stickered fruit bread
- Packed lunch
- Dinner will be something special bought at lunch time for me and OH
- Written a Mr T's list, need to price and compare
- [STRIKE]Buy contacts from cheap online place[/STRIKE]
- [STRIKE]Cancel Green Thumb due to moving![/STRIKE] :j
- Try not to think about delays on house buying due to OH's mother!:mad:
- Hung washing on the line this morning - relying on local radio weather forecast :eek:
- Try to sell a service plan and a purge today at LEAST!
- Submit purge claim form for commission at the end of the day
- Sparkle!

Jx

allydowd

Morning DFW-Jedis, :j

Josie: Sorry to hear about the delays on house buying.

It's my day off today. I shall:

~Go for a very long trek from home among the local mountains with my OH and take a mini-stove and cook lunch while we're out. Weather promises to be fine and sunny.

~Have a packed lunch from stores and a flask of coffee wherever we end up. We bought two Thermos flasks in Tesco a few years ago, a large one for £7.99 and a wee one for £5.99. We take them on all our days out so we never have to buy coffee. Over one year alone we have saved about £170 by avoiding £1.99 each coffees. I've had a lot of flasks over the years and Thermos have never let me down. You can buy spares for them too if you lose or damage any pieces. (Link)

~Done Nectar AdPoints. I've got enough for another £5 off Sainsbury's! I never thought it would be worth getting a Nectar card as we only buy milk from Sainsbury's but it has been. Just buying petrol from BP when it's the cheapest place to go, doing Nectar Adpoints, having the Nectar Search Toolbar instead of using google.com and receiving the Nectar email, I earn about £5 every three weeks. (Link)

~Check online banking.

~Check Quidco and Topcashback to see if any cashback I've claimed is available. Although Quidco can take months(!) to pay out, I think it's been worth it. Since I joined 4 years ago I have had £412 cashback on 'essential' spending like car insurance and breakdown cover. (Link) I'm moving more towards Topcashback, though, as it seems to pay out quicker. (Link)

~Go running. £0.

OFFERS:

Easy and instant printable voucher for free fish and chips at BHS on Fridays, starts 15th April. You need to buy a drink. (Link)

Easy and nearly instant over 10,000 free Kindle books on Amazon. (Link)

Competition on the genuine Farmfoods website to win £500 of products. (Link)

Free Starbucks coffee, today's password. (Link)

Free Grazia magazine for one 0800 phone call. (Link)

If you have Amazon Prime membership because it's worth it for you (large fee applies) and you are a Kindle device owner, y can choose from more than 200,000 books to borrow for free, as frequently as one book per month, with no due dates through the Kindle Owners' Lending Library on Amazon. See OneEye's photo in this Forum for details. (Link) or go to the Amazon page. (Link)

Free Bangers and Mash at Great Traditional pubs in England. You need to buy a drink. (Link)

10 children's books for £10 at the Works. You pay P&P. (Link)

All TopCashBack Snap & Save grocery offers. Includes 30p cashback on Quorn.No fresh fruit and veg offers this week. You can claim online if you don't want to use the mobile App. (Link)

All Quidco ClickSnap grocery offers. Tempted by the 40p cashback on Quorn. You can claim online if you don't want to use the mobile App.(Link)

GOOD NEWS: LEGAL CHANGES FROM START OF NEW TAX YEAR THIS WEEK

Good news about fees when you buy ANY travel or event ticket from tomorrow on a debit or credit card. (Link)

You know have the right to have your (English) Council Tax bill spread over 12 months. Some authorities previously only allowed a spread over 10 months. (Link)

Some state benefits will increase from today. See the table on this page and the page after it for details. (Link)

From today most taxpayers who were born after April 1948 will pay less tax on their earnings. Increasing the personal allowance from £8,105 in 2012/13 to £9,440 in 2013/14 will mean that the average basic rate taxpayer will pay £267 less tax this year. A basic rate taxpayer is someone who earns less than £32,010 a year. (Link)

Increased ISA limit. This year you can invest up to £5640 in a Cash ISA. (A cash ISA is just a savings account you have with your bank/building society that you don't pay tax on. You don't get a debit card with it. You can often take money out of it whenever you like if you need to but you can only pay IN a total of £5640 in the year.)

*Mari*

Good morning

Well today is going to be a good day I have just checked my banking and my PPI refund has been credited to my account :j so I have paid off my OD and £250 off my CC and put the rest into my emergency fund. Its brought my DFD forward by 4 months

So today I shall:

Washing on line to dry and iron later

Not use dishwasher

Clean house

All meals from stores, making a lovely thai green curry for tea

Go for a run later

Start sorting the loft and looking for things to sell

Thats enough for now!

Have a lovely Friday everyone

lulabelle

morning peeps

it's friday - yay!

I feel I have my motivation back today and my mood is much better.

today I shall:

-have breakfast, lunch and dinner from stores
-do a big shop (although not a nsd it does keep me out of the pub, away from the chinese and it's quieter than on a saturday so will help with my sanity!)
-will watch suits on sky tonight, fake tan and get an early night
-might start my debt free diary!
-charge phone at work and get the evil piece of work which has been plaguing me for WEEKS off my desk

have a date tomorrow although not really looking forward to it as find the guy quite dull (spoken on phone only) so not sure why bothering but nothing ventured nothing gained and all that - might fancy him and find him better in person - just have to wait and see

lost 2lbs since monday and sticking to diet so happy about that! only another 26 to go!

MinnieMousesMummy

Good morning everyone.Josie - Thanks for starting the thread off this morning.

I am up bright and early today as I officially start SE today, although not got many appointments in as yet but need to start somewhere.

Thanks to everyone that has read my moans over the last couple months I am pleased to say that I am now feeling more positive helped by the fact that me and DH are now back together as well as other steps forward in the right direction (hopefully).

My list for today:

1. [STRIKE]Check online banking[/STRIKE]
2. [STRIKE]Quick shower, Get the kids up and organised[/STRIKE]
3. Quick dust around the house
4. Spend an hour sorting out recipes for folder
5. [STRIKE]Laundry - do full loads, hang up indoors as it is rather dull today[/STRIKE]
6. [STRIKE]Do some course work[/STRIKE]
7. [STRIKE]All meals from stores - hm pizza & chips for dinner[/STRIKE]
8. [STRIKE]Check Asda order, scan and put away[/STRIKE]
9. [STRIKE]Check postcode lottery and birthday bingo[/STRIKE]
10. [STRIKE]Surveys (remember to check one poll and pure profile)[/STRIKE]
11. [STRIKE]Work (10-1)[/STRIKE]
12. Do some of the ironing pile and put clothes away
13. [STRIKE]Check Swagbucks, Swapits and Topcashback[/STRIKE]
14. [STRIKE]Bake some cakes whilst the oven is on for dinner[/STRIKE]
15. [STRIKE]Declutter and flylady[/STRIKE]
16. [STRIKE]Sort the plastic pots ready for planting seeds - DH is going to help me with the planting when he is off work on Sunday[/STRIKE]
17. [STRIKE]Thanks Ally for some useful links - I will look into snap & save and Clicksnap, claim Grazia magazine, look into Farmfood competition and look into Nectar Adpoints[/STRIKE]

I think that is everything that I need to get done today, so I best make a start and get some stuff done. Hope everyone has a good Friday x

kickuptheasstime

Hi everyone

What a great way to organise thoughts & DFW plans!

Right then, today I will...

• Drive to work to photocopy the revision notes I have prepared for my exam next wednesday
• Put some washing in the machine & hang out - prevents use of old battered tumble dryer!
• Take photo of item to sell on Ebay & upload this evening
• Jot down gas & elec meter readings to give to EDF - I've recently changed supplier onto better deal
• Pay in bday chq £15 into bank, ready to put towards my CC debt as soon as it is cleared
• Rumage for other items to sell on Ebay & create a pile to sell
• Lunch & tea will be at home (I'm on Easter hols) so no spending needed there
• Buy 2 bday cards for imminent dates (I'm normally rubbish at planning ahead & sending on time)

Hmm, I think that's everything - busy day ahead I think

x

kickuptheasstime

Wow MMM, now that's a properly busy day off!! I get the impression that you will get it all done too...

zenshi

I have a few hours off work this afternoon so need to pluck up the courage to ring CC that left me a message yesterday. It's either they got my letter and want to discuss it or they want to give me hell for missing last months payment!

And write letters to see if I can claim back CC charges over the years

determined_new_ms

Hi guys :wave: hurrah to Friday :j Even better I am helping dd out with something so not at work currently and I may not go in at all. Am undecided as yet, depends on how long this thing takes and whether I want to lose a day's AL....

Josie sory to hear about te delays. Its kinda like that, but when it happens whoooooosh!

MMM good luck with your business, am sending lots of work vibes your way

Mari nice one! What a great start to the day :T

Ally thanks as always for all your links and posts its really kind of you :A

ok my dfw plans for today:

* [STRIKE]checked banking[/STRIKE]
* [STRIKE]did vsp & updated sig[/STRIKE]
* all meals from stores - southern chicken & chips fake away tonight
* [STRIKE]spend day today so going to get all the things I'm going to need for the next few days - will write a list[/STRIKE]
* an hour vol work
* post of documents for new job decided to wait until tomorrow so it arrives on Monday
* a load of washing at 30 & dry on driers
* looked up a cut & colour at local college hairdressers. Tis cheaper than the guy I use so think I will book something in for payday
* scrabble & qt with oh tonight opps forgot I am babysitting for a friend tonight! Will have a bath instead :T (we don't have a bath so I generally babysit for friends and have baths at theirs!
* [STRIKE]park further away from where I am going today where it is free and walk[/STRIKE]

Ok better go finish getting ready then! Have a lovely Friday y'all x

hurrah having a spending diary just saved me having to buy a new pair of glasses! I have lost mine and have been looking for them everywhere (I am going to have to get one of those neclace thingys to wear them around my neck as I have lost my glasses about 4 times over the last year and a half and once I didn't find them ).Anyway I was racking my mind to think where I could have left them and looked through my diary & saw I had bought wine & nachos with a friend a couple of weeks ago to celebrate my getting a new job. Call the pub and there they are! :j

* went to independent car parts shop for bumper restorer and it was £1 less than at Halfords :T

* check tyre pressure - must do this today

determined_new_ms

zenshi wrote: »

I have a few hours off work this afternoon so need to pluck up the courage to ring CC that left me a message yesterday. It's either they got my letter and want to discuss it or they want to give me hell for missing last months payment!

And write letters to see if I can claim back CC charges over the years

Good luck zenshi - you can do it! x

zenshi

TBH I feel sick just thinking about it! But it has to be done.....and thanks