Friday 19th April - What small DFW things will you do 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 everyone :wave: happy Friday :j another resting day for me & I need to rest as didn't yesterday and ended up feeling pretty rotten

Small things though....

* email housing appeal for dd
* [STRIKE]checked banking[/STRIKE]
* [STRIKE]did VSP & updated sig[/STRIKE]
* [STRIKE]updated GC spends[/STRIKE] - doing well this month & think I will only need fruit/veg & milk for the rest of the month :T
* check onepoll - I will get to payout!!!
* spend £1 on something for my cc so I can get back my interest free period again!
* look at my seedlings
* plant some more seeds if I feel up to it
* Oil two of our worktops
* fill gap around window frame with mastick
* all meals from stores - moussaka tonight as oh made a fakeaway last night. Sushi
* go to gp later for sickness cert - am likely to only get SSP for this last week
* freeze 2 portions of mince
* went through clothes & have a pile for CS seriously am never going to wear them again. Worked out what I have and what I would like to update my wardrobe

Ok I feel exhausted looking at this list! Have a happy day y'all x

The_Boss

Continue to encourage people not to waste money on Experian credit scores.
Meals today from the cupboard and fridge.
Adhere to meals enteted onto myfitnesspal and avoid too much snacking
A 6 mile walk (blisters pernitting)

MinnieMousesMummy

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

My list for today:

• [STRIKE]Quick shower, Get the kids up and organised[/STRIKE]
• [STRIKE]Wait in for Mr A delivery - booked an 8 hour slot which meant a saving of £2.50[/STRIKE]
• [STRIKE]Check bank and move money around[/STRIKE]
• [STRIKE]All meals from stores[/STRIKE]
• [STRIKE]Declutter & Flylady[/STRIKE]
• [STRIKE]School runs[/STRIKE]
• [STRIKE]Nectar adpoints, Swagbucks, Swapits, TCB, Postcode lottery, Birthday bingo[/STRIKE]
• Make 2 birthday cards
• LSD - order the material that I need for making teddy but hopefully I can sell it and make my money back
• [STRIKE]Water plants[/STRIKE]
• [STRIKE]Write up some of the recipes and add to folder[/STRIKE]
• [STRIKE]Do work that is in for today[/STRIKE]
• Do some course work
• [STRIKE]Phone midwife regarding appointment[/STRIKE]

I think that is everything that I need to get done today. Hope everyone has a good Friday x

allydowd

The_Boss wrote: »

A 6 mile walk (blisters pernitting)

I mountaineer/climb. I swear by Compeed blister plasters. Often cheapest via eBay or Amazon than on the high street.

ziggy2407

Good Morning my lovelies

dnms - Thanks for starting us off today, sorry to hear you're not well, please TRY and rest at some point today
bob - Thanks for yesterdays comments, hope business continues to pick up for you
ally - Well done
trajal - You are doing great on your NSD's, what made you pick 9 days? lol, I struggle with 2 in a row


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.

Hope it brightens as the day prgresses as its really not helping my mood again - feeling really cheesed off. My little list for today:

Check Banks - Done
Check swapits - Done
Check www.freepostcodelottery.com - Done
Packed lunch for OH & LO- Done
General Tidy up - Done
Work (11.30 - 2.00) - Done ( & gained another 5hrs per wk on contract from nxt wk)
Craft (work on 1st anniversary gift for nephew) - Almost finished
Re-advertise items for sale -
Organise for 2 more quotes to be done for Garage Roof -
Surveys -
Catch up on emails -
Enter a few comps -
Read - Reading another book from stash
Meals from stores -
Update Food tracker - in progress

Have a great day, love to you all.

C xx

allydowd

Morning DFW-Ninjas oldies and newbies,

DNM: Rest, honey!!!!

It's my day off and, for once, the sun is shining. PayDay yesterday and I finally got paid £800(!) I was owed by a company so that went straight to pay the debt. This has brought my debt down to a couple of quid over £3000; I've paid off 75% of my debt!

Yesterday we went to the theatre to see "Birds of A Feather" on £10 tickets, parked in the city for £2 and took our own cans of juice and packets of crisps. It was absolutely brilliant. I haven't laughed so much in ages.I totally stopped drinking and pubbing five years ago and took up £10 ticket theatre-going and enjoying the great outdoors. Saved myself about £100 a month since then. (I was hardly ever drunk but I used to spend a lot on drinks for others, pub grub and bar snacks!)

TODAY I WILL:

1. Buy supermarket petrol this weekend after price cuts due at Asda, Morrisons, Sainsbury's and Tesco. (Link)
2. Do Nectar AdPoints. (Link) Made 150 points so far this week.
3. Do Ipsos Surveys.
4. Use some of the olive oil infused with wild garlic and chili I made last week in tonight's dinner. Wild garlic leaves used for lunch.
   
5. Call one credit card company and cancel my third card which has a zero balance.
   
6. Use Quidco Mobile App to check-in at shops as I walk through the shopping centre for free cashback, no spend required. You get 5p-10p for each shop you stand outside. (Link)
7. Forage more wild garlic leaves, blanched and froze in batches to use as a spinach later in the month.
8. Find cheap secondhand DVD for OH.
9. Re-read Thomasina Myers' book on wild food.
   

ARE YOU A NATIONWIDE CUSTOMER? READ THIS NOW!:

Some new-to-bank FlexPlus customers have been charged an overseas fee when using their debit card in the UK. (Link)

FREEBIES:

1. Free mental health and debt PDF and radio show from Martin Lewis. (Link)
2. Free BHS Fish and Chips today. (Link)

OFFERS:

1. In today's The Sun, page 26. Spend £30 in Iceland get £5 voucher off your next shop (Link)
2. Baby wipes offer at Amazon (Link)
3. Half-price offers at Lidl this weekend (Link)
4. M&S dine in for £10 (Link)
5. Quidco ClickSnap grocery offers, includes salad leaves. (Link)
6. TopCashBack SnapAndSave grocery offers (Link)

MONEY MAKING AND SAVING SITES AS OFTEN MENTIONED IN THIS FORUM:

• Benefits check-up (Link)
• Birthday Bingo, daily free game (Link) NEWLY ADDED TO THIS LIST
  
• Freecycle (Link)
• Free Postcode Lottery (Link)
• FreeStuff (Link)
• FreeUKStuff (Link)
• List of online newspapers. At bottom of the linked page. (Link)
• MSE Boost Your Income page. Gateway to lots of money-making links. (Link)
• MSE Deals and Vouchers (Link)
• MSE Wow Offers (Link)
• My Supermarket (Link)
• Nectar Points, AdPoints, Search Toolbar (Link)
• OnePoll (Link)
• Quidco (Link)
• Reclaim PPI at no cost to yourself (Link)
• Survey sites that pay for your opinions (Link)
• Swagbucks (Link)
• Swapit (Link)
• Tesco Price Promise (Link)
• TopCashBack (Link)

Asiacat

Good afternoon (where it is here) from Thailand.

I haven't done anything significant but am on my way (5 pm. now over here) to my first no spend day in twelve years of living in Thailand.

Tpday is the final day of somgkraan(Thai new year) in Pattaya. Everybody throws water over each other and it is inescapable.

I hate songkran festivities and have decided not to leave the house today and instead catch up on my reading, DVDs as well a organizing my second bedroom.

So far no money spent and no intention of leaving the house until tomorrow morning.

The_Boss

allydowd wrote: »

I mountaineer/climb. I swear by Compeed blister plasters. Often cheapest via eBay or Amazon than on the high street.

Thanks. It's from new trainers so hopefully will only be a short term thing. My old running shoes gave me serious blisters that have thankfully healed now.

foxgloves

Hi Friday people,
MS things done so far today:
*Cleaned house & used the last of my bottle of Stardrops which has lasted me for well over a year! (In case you think I never do any cleaning.....I do a reasonably thorough house clean once a week, but diluting this stuff in an old spray bottle, it goes on for ever)
*Did surveys....inc one about football....despite knowing nothing about football & caring even less, I got right through it. Yippee! Points for me!
*Made more free plant labels from old plastic spread tubs.
*Gathered the rhubarb stems that got broken in the high winds yesterday & stewed them.
*Checked rest of veggies for damage/dryness....don't want to lose them now when everything's already so far behind. Important part of our food budget in the summer/autumn months.
*Started collecting loo roll tubes ready for sowing runner beans next month.
Still to do:
*Refer to April meal plans & write shopping list.
*Go through recipes for tomorrow (doing curry night for friends) & check every single ingredient in stock, rather than end up buying new 'just in case'.
*Hopefully take in the clothes I didn't get around to doing yesterday. Tacked already so shouldn't take too long on sewing machine.
*Decide what I'd like to do for my birthday that doesn't cost the earth.....although I'm a girl of simple tastes these days!
Think that's it for me today.......Oh, & forgot to mention that I found a bargain in 'Boyes'......this is a discount shop where you can sometimes find all sorts of treasures, but not sure that it's UK-wide, think it may be North East/Yorkshire/East Midlands. Anyway, spotted they had some cleanser for 99p (called 'Say yes to carrots'), organic ingredients, etc, & I thought I could remember seeing it in a magazine so bought a couple & have discovered it normally retails at £9-99 each. Whooo-hooo! It's bloomin' good stuff, too, feels expensive, so will be popping back to see if I can get a couple more.
Cheers for now, have a good weekend, everyone,
foxgloves x

Pernicious

Hi everyone,

Thanks for starting us DNMS, make sure you take it easy today please!
Ziggy - Hope you feel a bit better as the day goes on.
Ally - Thanks I will check out your new links
Asiacat - Can you tell me why they throw water over each other, what does it symbolise?

Today I have/will:-

• Making use of free water at work.
• Popped to town on my lunch break, stuck to list, used points card to get points, & got a discount using that & my student card
• B/L/D from stores
• HM porridge pot for brekkie
• Leftovers for lunch
• Log calories & exercise on free apps
• Dinner from meal plan - Stuffed peppers
• Check postcode lottery
• Charging phone at work
• Heating off
• Check online banking
• Check for new mystery shopping opportunities
• Enter some comps
• Do some surveys
• Declutter & flylady
• Check FB to see if anyone wants to buy the guitars we're selling
• See if I can claim a voucher from valued opinions yet, need 2 surveys to clear
• Washing on eco setting, using less than recommended dose of washing liquid
• Hang up to dry
• Go to second job tonight
• DH doing overtime again tonight

Hope everyone is ok & has a great, MSE day x

little_pink_purse

Afternoon Every one

Hope your feeling better soon DNMS

well done ally not to far togo

my todo list
check the banking
hope for a nsd
wash windows
clean the car

hope you are all well xxxlppxxx