Thursday 12th September - What small DFW things will you do today?

MinnieMousesMummy

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:

WantToBeSE

Thanks for starting us off today, MMM

Today i have/will:

-Go to work
-Walk to and from school instead of driving
-Transferred some money into savings account
-Keep CH off
-Check OLB
-Write next weeks meal plan
-Do a frugal on-line shop
-Write out my winter must haves list (slippers and dressing gowns etc)

Everyone have a great day!

MinnieMousesMummy

I hope nobody minded me starting the thread, I tend to be up early now with having the little one.

My list for today:

1. Take ds2 & dd to local toddler groupDONE
2. Check postcode lottery & birthday bingoDONE
3. Check email and sort into the 3 filesDONE
4. Nectar adpointsDONE
5. All meals from storesDONE
6. Swagbucks
7. Swapits
8. Tidy living roomDONE
9. Do some surveys
10. LaundryDONE, 2 Loads done
11. Quick showerDONE
12. 3 hours studyingDONE
13. Update budgets and double check figures
14. Enter some comps
15. Look for MSing assignments
16. Sort cv as going to start looking for a part time job
17. Phone tax credits about changes
18. School runsDONE
19. Attend health visitor appointmentDONE
20. Do some handwashing that is needing done
21. Spend an hour looking for freelance work
22. Make a start on sorting birthday stuff for DH
23. Do some of ironing mountainDONE

Oh dear I thought I only had a small list for today, I best get started in the hope I can get it done. Hope everyone has a good Thursday, hugs to those that need them x

ShootForTheMoon

Hi gang!!

Well, it's a grey and dreary day here, which has put paid to some of my plans!! Not to worry though - hoping to have a bit of time to chill before work!

Today's list:

Check banking & skim into savings

30-Day Shred DVD and start the ab challenge - definitely starting to see a bit of definition and tone coming now - would recommend the DVD, it's easy to follow and quick to do!

Swim on membership - will try and get a quick mile done before breakfast - cycle/walk via marina to the pool, also shower and do hair there!!

Breakfast and lunch from stores

Dig out boots and old rugby kit ready for match on Sunday - hoping I shouldn't need any new kit!

File some paperwork & research opening a regular savings account!!

Quick tidy round and clean - resist putting the heating on!!

Start photographing the mountain of clothes brought home from M&D's for eBay!!
Anyone know when there's free listings?

Lift share to work with colleague, take dinner and drinks with me

NSD!!

Think that's about it from me! Hope everyone has a great day!! Xxx

Karb

Morning everyone. Thanks MMM for starting the thread.
DNMS, hope you are feeling better today.

Going to a free language taster session in town this evening. I'm thinking about learning German, which I studied for a while at school almost 30 years ago, before taking French a my O level, but now I do have to go to Germany occasionally for work.

I cant get help from my company with the course fees as I'm only on a short term contract, and our clients speak English anyway, but I would like to improve my knowledge of the languge for when I'm in non-work situations, so I hope it's useful to get this free taster session before signing up to pay £200 for a years course. Especially as I'm not convinced at what level I should be studying.

Other than that it's just the normal stuff from me.

Have a great day all

MrsGSR

Morning! In good spirits today. Despite being a spendy day due things I have to buy I am saving by:
Making a packed lunch for DS and I instead of buying lunch.
As I'm in the city for a group I help run I am going to do all my shopping at the same time thus saving petrol.

SiberianHusky

Morning everyone - and thanks MMM for starting us off

So today I am doing the following:
*Hunting around in the 'spare things' drawer at home for AA batteries for my alarm clock - you can guess what didn't work this morning!
*Taken last night's homemade pizza leftovers into work for lunch today
*NSD
*Walk the dogs in the rain this evening
*Defrost chicken in fridge overnight to stick in slow cooker tomorrow
*Clean out rabbit litter tray with donated used newspapers from work colleague & wood shavings bought in bulk last week
*Phone the Post Office and find out where my final bill for homephone and broadband is after promising it for weeks - I know they owe me money!
*Catch up on Eastenders

Have a good day everyone!

allydowd

Morning all, :wave:

Well, I've a lot on my list today and I slept in. Oops. And I'd like to tie up a lot of things today. And came down this morning to find that OH had accidentally left some food out the freezer overnight so that'll need cooking today.

Thanks MMM for starting

Karb: If you live in Scotland you might be eligible for an Individual Learning Account grant of £200 from Skills Development. (Link) Or in Wales I think they may have reintroduced them. (Link)

Perni: I hope you have a good day today.

Shoot: You might find help on savings rates from Martin here. (Link)

The List:

:staradmin Grease blind mechanism that is so stiff you need Wonderwoman to operate it. Done. Something was caught in the mechanism.

:staradmin Put wee shelf back up ourselves instead of paying a Trade to do it. Neighbour was hammering next door at 6am and it fell down. Repair photo frame that fell to the floor as a result. Done.

:staradmin Decide what to do with broken Freeview box. Listed on eBay for spares or repairs. Free listing day.

:staradmin Clean house using just the products we have in store. Done.

:staradmin Teach OH some MS Excel skills as she has forgotten everything she ever knew about the programme and is job-seeking office work. Done.

:staradmin Keep trying to repair torch. Mechanism still well and truly stuck.

:staradmin Look at warranty for malfunctioning printer. Expired. Will need to try to repair myself.

:staradmin Identify things in basket in freezer. OH has frozen small bags of I-dont-know-what. Done.

:staradmin Dispose of tree I felled the other day. Can't pouring with rain.

:staradmin Shower after I've done the housework. Done.

:staradmin Washing on quick wash and dry outside. Done. Dried inside on airer as it's pouring.

:staradmin Book theatre tickets with vouchers if we can agree on what to see.

:staradmin Seal small whole in ceiling above shower before it gets worse. Done.

:staradmin Write to Sky TV to get a dispute resolved. Keep putting this off.

:staradmin Open separate Facebook account and email account to try my hand at comping.

:staradmin See if local library has "Takeaway Secret" by Kenny McGovern (Link) available. We make our own fakeaways but this looks interesting. Thanks for the heads up fellow Small Things money-saver! Reserved!

:staradmin Recycle batteries. Not exactly money-saving, but definitely planet-saving.

:staradmin Do the "J" word.

:staradmin See if I can glue the back of my mobile phone back together. I dropped it. Done.

Freebies:

:staradmin Free Liberte yoghurt through Facebook. Print yourself or have it posted to you by clicking "Print" then "Don't Have A Printer". (Link) On sale in Tesco.

Hezzawithkids

Karb wrote: »

Morning everyone. Thanks MMM for starting the thread.
DNMS, hope you are feeling better today.

Going to a free language taster session in town this evening. I'm thinking about learning German, which I studied for a while at school almost 30 years ago, before taking French a my O level, but now I do have to go to Germany occasionally for work.

I cant get help from my company with the course fees as I'm only on a short term contract, and our clients speak English anyway, but I would like to improve my knowledge of the languge for when I'm in non-work situations, so I hope it's useful to get this free taster session before signing up to pay £200 for a years course. Especially as I'm not convinced at what level I should be studying.

Other than that it's just the normal stuff from me.

Have a great day all

Hi Karb - long time lurker (on this thread anyway) first time poster here!

The OU are about to launch 'Future Learn', offering free online courses including languages. Pre-registration closes on 16 Sept, here's the link to their site:
http://about.futurelearn.com/about

It's owned by the OU so should be good quality provision- nothing to lose by signing up!

ShootForTheMoon

The OU are about to launch 'Future Learn', offering free online courses including languages. Pre-registration closes on 16 Sept, here's the link to their site:
http://about.futurelearn.com/about

It's owned by the OU so should be good quality provision- nothing to lose by signing up!

Excellent link - thanks! This is the first I've heard of this, will also be following with interest!!

Cheers Ally for the link to savings accounts - does anyone here bank with First Direct??? If so, any thoughts - thinking of primarily using it for the 6% regular saver...

ziggy2407

Good Morning My Lovelies

MMM - Thanks for starting us off today

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.

Today's little listy :

Check Banks - Done
Check swapits - Done
Packed lunch for OH & DS - Done
Check [URL="mhtml:{4783C90B-5ED3-482D-9774-53257598E327}mid://00001375/!x-usc:http://www.freepostcodelottery.com/"]www.freepostcodelottery.com[/URL] - Done
General Tidy up - Done
Meal Plan (for next week)/make Shopping list/shop with vouchers - No shopping, using up and making do


Filing & Shredding (must remember to empty shredder, lol) - Done
Prepare list of gifts needed etc between now & Christmas (& work out how to make/pay) - in progress
Pull last of rhubarb from garden - Done, shared with neighbour
Declutter - In progress, amazing where it all comes, lol
Contemplate application form for job - In progress
List more bits for sale - in progress
Meals from stores - Done, last nights leftover chilli made into pie, also made bakewell tart for dessert (all from stores)
Track all food - In progress
Catch up on emails - Done
Surveys -
Nectar Adpoints -
Enter a few comps - Done a couple
Read Library Book - in progress



Knit - in progress

Have a good day, love to you all.

C xx

Also managed to:

• freeze excess veg instead of letting it sit in bottom of fridge (before OH bins it )
• sort a few tubs on patio (had lettuce in) - clean & put away for new year
• sorted bit more craft stuff in attic
• made room in attic storage for suitcases/holdalls/bags (we have loads - why?)