Tuesday 3rd September - What Small DFW Things Will You Be Doing Today??!

determined_new_ms

When we start out on the Debt-Free Wannabe 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 :money:

Morning guys :wave: opps I should be jumping in the shower not starting the thread! Hope everyone is doing well

Things for the day:

* check banking
* remind of re cc monies he needs to give me
* went through quidco to buy ds birthday gift
* need to get a birthday card & a couple of other bits and post today
* go for a walk in lunch break
* BLD from stores
* quick shower - debating whether I can get away with not washing my hair today
* help oh put up t'other blind in kitchen - we are finally there :j
* start looking forbest deals & purchasing items needed for our bathroom renovations that start beginning of Oct :j:eek::j
* make a note of mileage today to update expenses
* work super efficiently - I am starting to get through the backlog of work :j:T:j

Ok that's me better dash. Hope alley & shootforthemoon are starting to feel better.

Alex welcome to the thread. I read some of your thread yesterday well done for starting the journey x

ShootForTheMoon

Thanks for starting us off & I'm feeling much better today thanks DNMS!! :beer:
Hope everyone is well gang!!

My list for today goes along the lines of:

Use membership & go for a swim as not feeling 100% fit for rugby training later!! Will shower and do hair there to save on electricity!

See a friend for coffee at her house rather than going out - I can walk there.

Weather permitting might cycle to allotment and potter up there for a couple of hours - free exercise & fresh air to shake off this cold! If not, I'll do the 30-Day Shred!

Check online banking and chase up £240 rebate if its still not there...

NSD today - working nights tonight so won't get up to much

Economy wash and line dry clothes

Discovered a new trick yesterday - Hoover can be plugged into the hallway socket and reach all of our apartment - so shall be doing that from now on!! Will quickly Hoover hallway so that neighbours don't think I'm completely mad!! :rotfl:

B/L/D from stores - OH made a ginger cake last night so ill take that into work tonight for the boys!

Take healthy drinks & snacks to work later should the munches hit around 4am!!


Sure there's more, but that's about all I can think of for now!!
Have a great day gang! Lots of MSE love xxx

ziggy2407

Good Morning My Lovelies

dnms - Thanks for starting us off :A
sftm - That sounds like a list and a half if youre working tonight

Hi 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.

Well, yesterday went downhill rapidly following a tense phone call to work (my manager off sick, cook off sick and no one knows whats happening but I still have to go in today and deep clean and dont know I'll have anyone to help ), also queue a mile long in Bank only to find they have lost my standing order form and may have posted it out to me cos they couldnt get answer when they phoned (I was on holiday) bu they dont when/if was posted. Today's little listy :

Check Banks - Done
Check swapits - Done
Packed lunch for OH - Done
Check www.freepostcodelottery.com - Done
Work (9-12) - Done, was awful (2 of us in), agony in arm
Hairdresser @ home - Done
Fingers crossed SO form arrives in post - Not arrived
General Tidy up - Done
Washing - Last few bits on line
Ironing -
Declutter -
List more bits for sale -
Bake -
Meals from stores - Done
Track all food - In progress
Catch up on emails - In progress
Surveys -
Nectar Adpoints -
Enter a few comps - Done a few
Read Book (from stash) - in progress

lots to be getting on with so best crack on, catch you all later. Have a great day, love to you all.

C xx

ShootForTheMoon

Yay!! :j Rebate has been paid... :j

I've transferred £100 straight into the ISA and the remainder split between holiday and emergency fund!!

*tootles off to update signature*


Ziggy, I never manage to sleep much before my first night shift - think most of us have the same problem!! I exercise loads and try to get the adrenaline to pull me through - most of us crash by 4am though! On the plus side, it helps me sleep through the next day if I'm really tired coming home in the morning, which makes the second night shift much more bearable!! x

happytails

Hi everyone!! Yay SFTM on the rebate :beer:

Today will be another day of not getting much done, looking forward to next week when 1 of my 3 will be at school!!

Check postcode lottery DONE

Swagbucks DONE

Adpoints - DOING NOW

Relist ebay items @ 99p - TOMORROW

BLD from stores - DONE

Post office run (need to nip to mums to get her parcel too) - DONE

Nip to Morrisons for chicken for tomorrows dinner/fridays dinner if i get chance - TOMORROW

Going to a friends house this morning and giving her a stair gate we dont need and seeing the MIL this afternoon so not going to have much time to get anything else done

Sarah x

Pippilongstocking

Morning all - thanks for the thread today DNM hope the bathroom foraging goes well - do you have a reclaimation yard near you - ours sells baths/toilets and sinks for a £5 each - often they are new.

Sleepy here just couldnt' get to sleep so plagued the world of blogging with random rubbish and finally got off. Its quite fun really getting back into it (and free!) and I'm trying to find a book deal (really that bit is a joke but wouldn't it be fun to get paid for wittering)

I'm on a £50/month grocery challenge - but we need flour.
Banks to check as my wtfc is still not sorted out.
Working and dog walks to do
Meet up with a chum later but combine with a work trip to other job (college) and see if the evening class I'm running is going ahead and raid fishboxes for veggies including more tatties
Tea is frugal meatballs which I've done 4 portions off and trying to eek out to 5 by sneaking some for my HM lunch.
Need to see if I can do more 'I do' admin
Set up wholesale account for edible 'wedding' woodland
Try and walk 5 miles today
Charge phone at work - thanks for reminding me of this
Hang up Hokey cokey to ensure it doesn't get washed twice
Weigh self and see if frugal fooding has allowed any weightloss yet - my wedding frock fits - I'd just like my cheekbones to be at the ceremony too. - just the same
See if I can pay some off CC
And BANK work cheque when it arrives in my sticky paw today.

Not sure what else yet - hoping a NSD or a LSD as really do need flour - I've milk just turned and I must either freeze it or make scones with it.

Have a good un and happy days today.

Now - where to find a publisher

ETA wtfc have put a meagre amount in my account - as fearer its really not much but I guess that means its been processed.

specialkthefirst

Just wanted to say I read this thread everyday and I think it's great, it keeps me motivated and interested in moneysaving! :T

allydowd

Morning all,

Feeling a bit better today which is just as well as I've got lots to do.

The List:

:staradmin Get a lift with OH to next village then walk home. Need some fresh air, even if it is drizzling out. OH is on a free IT course s'afternoon. It'll be good to have some time apart! :rotfl:

:staradmin Checked accounts. Fine.

:staradmin Listening to digital radio this morning to hear Rich Whitehead whom I'm following on Twitter (@Marathonchamp). This guy's running 40 marathons in 40 days on prosthetic legs; much respect. Get the most out of my TV Licence fee.

:staradmin Check utility company have changed my Direct Debit amount from £100 to £80. Yay, they have.

:staradmin Repair blind cord I broke last night. Done. It's really stiff, will need to find a solution to this. WD40 perhaps, though the smell of that lingers.

:staradmin Renew library book online to avoid fine.

:staradmin Harvested last of the potatoes, just a handful, but better than nothing.

:staradmin Lunch is a drop of defrosted, leftover chilli for OH and a drop of leftover lentil soup for me.

:staradmin Put £10 of petrol in and not a penny more!

Offers:

:staradmin Buy four Chicago Town Deep Dish pizzas with the Free offer packaging on them> Enter a code online> Print a document> Get a voucher for one pizza (Link)

foxgloves

Hi Money-savers,
Well, that horrible weekly 'To do' list is still sitting on the kitchen dresser sort of looking at me balefully, but I have crossed off quite a few bits today, some of them money-saving, others just general jobs. Feeling quite positive that I shall have a productive afternoon.
Small money-saving things today:
*Last of this week's laundry done overnight on Economy 7 tariff, 30 deg, half powder. I try to keep to 2 loads only per week as my energy-saving ideal, but not always possible when bed linen & large items as well as clothes, etc)
*All line drying outside.....warm day here.
*Saved hot water from breakfast kettle in flask for mid-morning coffee. Took seconds to boil. Must make this a regular habit.
*Mascara tube back in a mug of boiling water to soften it today.....mascara lives on!
*Meals as per meal plans - h/m spicy chicken pizza using rubber chicken & salad/veg from garden.
*Stew made from more rubber chicken, leftover gravy & the chicken stock I made yesterday......kicked in veggies which needed using up.
*Post Office mission - posted all ebay parcels, paid in cheque, then went to Co-op to pay in dividend points from loyalty card. Our Co-op has stayed regional & so runs its own dividend points scheme. You can spend them in the shop as cash, or pay them into a little account to save them up. We save ours as we get enough over a year, with the Christmas bonus, to pay for 2 weekend festival tickets :-)
*Useful visit to local farm shop - 500g stewing beef for £3-91....thought that was good, as will serve 4 people generously, also found some bargain chicken pieces in butcher's freezer.....always worth rooting about in there.....& an out of date bottle of posh cold-pressed rapeseed oil in the 'Everything a £' bin.
Still to do:
*This afternoon's big job is to carry on tarting up the newly decorated lobby/loo without spending any money. I spent ages scrubbing the floor on my hands & knees yesterday & it came up like new. Going to oil the pine door with the last bit of extremely out of date walnut oil which I kept forgetting to have on salads, but works a treat on wooden doors!
@mmm - Congratulations on the birth of your new baby......you sound busier than ever!!
That's me for today. Love to everyone. Keep your mitts on your money,
foxgloves x

allydowd

The List 2

:staradmin Investigate changing quarterly TV Licence payment to monthly to make it more manageable. Can't! They want four more months payment up front before changing it over; I'm already paying three months ahead! Apparently this is "policy" as they class the licence as a "permit" not a "service" and can therefore legitimately require "permit holders" to pay up front. Unbelievable. Can I cancel it off my bank account and my OH take out the licence out on her bank account to avoid this? Nope, we're both named on the licence. This is news to us.

Pernicious

Hi everyone,

Thanks for starting us DNMS.
Ziggy - Hope today goes well.

Today's plan:-

• Making use of free water & cake at work
• Staying in for most of my lunch break to avoid spending
• Food from stores
• Dinner from meal plan - Smoked haddock & veggies
• Log calories & exercise on free apps
• Checked birthday bingo
• Check online banking
• Check for new mystery shopping opportunities
• Enter some comps
• Do some surveys
• Declutter & flylady
• Buy a block of pole classes tonight, £60 but the cheapest option available
• Go to Sainsbugs after class & stick to list, planning to use our prepaid giftcard (5% discount) & make use of some coupons. If I stick to the list it should work out well & pretty much on budget
• Check emails for reply from mobile network, they've not refunded me the £20 unlock code fee as far as I can see, but I'm not receiving paper bills & my online account is showing my old account, not my new one & I can't seem to change that myself as I transferred the number over too!

Have a great, MSE day everyone x