Friday 13th September - What small DFW things will you do today?

ziggy2407

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:

ziggy2407

Good Morning My Lovelies

ally - hope interview goes well, everything crossed:A

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.

Hoping for another good day, so here goes - 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] -
General Tidy up -
Washing & line dry -
Ironing -
Prepare list of gifts needed etc between now & Christmas (& work out how to make/pay) - in progress
Declutter - In progress, amazing where it all comes, lol
Bit more sorting of craft bits -
List more bits for sale - in progress
Meals from stores -
Track all food - In progress
Catch up on emails -
Surveys -
Nectar Adpoints -
Enter a few comps -
Read Library Book - in progress
Knit - in progress

Have a good day, love to you all.

C xx

Also yesterday 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?)

happytails

My list isn't very exciting.

Using the Eco car again today whilst dh takes big one to work.

Getting 2 things printed at mils rather than library, picking up later.

Tidying desk and ironing board so I can sew at weekend.

Dishwasher, washing machine and try to dry a wash load of clothes on my new indoor aired than using dryer.

Order tesco shop.

Walk to/from school.

B and L from stores, I'm off for a meal out with friends later, got a voucher for a free bottle of wine and a free meal to share between us 3 :T

Sarah x

trixie888

- Make a grocery list for the house and for my baby's meal for the next week.
- Will go to Aldi to buy my most of the stuff before going to next stop
- Minimize the things to buy

- did the laundry - one batch only.
- washed dishes and make one batch of bottle sterilizing per day.

ShootForTheMoon

Morning lovelies!!

Thanks for the kick-off Ziggy!! And may I second the good luck and thoughts to Ally today for her interview!!

Not so much to do today, mainly organising the next few months as i expect to be busy at work...
Going to be quite a spendy one, but that includes little Christmas gifts, so will be glad come November/December I'm sure!!
I'm working nights tonight and tomorrow - always a delight on Friday and Saturday.... NOT!! :rotfl:
I'm hoping to have a decent amount of sleep so I'm not too impatient with the drunks later

So, today's list goes something like:

Check banking - skim accounts to savings

Call First Direct and set up account and regular saver with them. Not going to close my Lloyds account - unless the Lloyds / TSB split goes Pete Tong.... The local Branch of Lloyds is exceptionally good, and I get on very well with the Manager (thinking further down the line for mortgages etc) I'd rather cycle money between them for now I think.

Check MSE for best exchange rate and order Egyptian Pounds for holiday next month (leaving plenty of time owing to the unrest out there)

Walk to lidl and buy hair clippers on their offer... Top brand and at only £10 be mad not to!! OH and I both have clippered sides, so going to have a go at our own which should mean the need for a proper haircut only every 3-4 months rather than 3-4 weeks!!

Order Christmas flip-flops (£10 each) for all my family... I know it sounds mad, but we will be in Thailand for Christmas :j and the flip flops are a direct donation to orphans affected by the 2004 tsunami, so will all be wearing them with pride on our travels!!
Check out: https://www.gandysflipflops.com if you're interested - cute story!! But they are cheaper elsewhere

Nectar Adpoints

30-Day Shred workout

Cycle up allotment if the rain lets up!!

Make something a bit special for OH for dinner as we've hardly seen each other this week due to shifts clashing

Clean house so OH doesn't have to spend her days off doing chores!! Brownie Points!

Take healthy snacks and drinks to work tonight to save buying sugary rubbish!!

Lift share to work with colleague. Halfway through the month and I still have a full tank! Result!!

Sleep all day tomorrow, so I have a NSD to counterbalance today's spendy day!! :rotfl:

The heating is still not on here either! I'm determined it won't go on until after we get back from Egypt at the end of October!! Ha!!


Think that's it really, hope everyone is well and enjoying that Friday Feeling!!

Lots of MSE love and hugs to all that need them!!

Pinkpenguin

Hi everyone,

Just over a year after I wrote my last post on here, I am back with a vengeance. Hope you are all well, it is good to see a few familiar faces on here.

This is where my Debt Free Journey starts once again and this times its for good....

Today I will:

- Have B & L from home. I am meeting a friend tonight to wish her well as she leaves for work on a cruise for 6 months tomorrow. I have a bottle of wine in the fridge which I will suggest that we share and then perhaps have a frozen pizza for dinner.

- Go to the gym for a free class, swim, sauna and jacuzzi to cheer myself up

- [STRIKE]Check banking and update my sig [/STRIKE]

- Do some Ironing whilst I catch up with last nights episode of 'The Guilty'

- Clean the bathroom, kitchen and lounge

- Put one load of laundry in

Right, I think thats all I can manage to fit in today.

Lots of love,

PP xx

MrsGSR

Good Morning!
I'm a newbie to this but my DFW things today are.
*washing out on the line
*attempt to fix my broken vaccum cleaner
*store cupboard lunch for myself and DS.

La_escocesa

Hi everyone :wave:

I'm working from home today so not going anywhere... I did need to put the heating on though so not sure about any saving!

Thanks for the kick off Zigs.

Good luck with the interview Ally.


Here's me:

• Food from stores - using up leftovers and not wasting any food at the min
• Cheque came from pet insurance £210 so will pay that off cc before the next bill is generated hopefully
• Finished yoga coursework :T so happy
• Prep/advertise for class
• Night in tonight with the pooch
• Sent job ad to OH
• Free online mantra meditation - anyone interested in this? Can check/forward you the link if so - it's deva premal and miten's 21 day challenge.

Big Friday love guys

allydowd

Afternoon all :wave:

Thanks for all your kind words. Back sooner than I thought! The interview went really well but I won't know if I've got the job until Wednesday. It would be a lovely job to have...Got that Friday feeling now.

Thanks for the starter Ziggy.

Shoot: We have hair clippers too. Amazing. Saved us a fortune over the years we've had them.

The List:

:staradmin OH's cousin was coming round for tea and biscuits s'afternoon but unfortunately isn't well. Saved on tea and biscuits!

:staradmin Very light breakfast this morning.

:staradmin OH came with me in the car to the interview and managed to buy some reduced price cooking margarine and a reduced price fruit pie. Took a flask of coffee with us.

:staradmin Paid £10 off credit card.

:staradmin Got double Nectar Points on BP petrol purchase using voucher.

:staradmin Checked progress of selling broken Freeview box on eBay. Being watched. Yay!

:staradmin Dispose of tree I felled the other day.

:staradmin Wash on quick wash and dry outside. 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 Emailed Council to ask when last garden waste bin uplifted/collection is for the season. Otherwise we'll need to drive it to the coup/tip. We have no space left to make any more compost.

:staradmin Ignore debt collection letter for previous tenant. Have told them three times I don't know who it is or where s/he lives, in fact I think s/he might have died. Enough is enough. Certainly not going to ring their 0845 number to talk to them about it. They even put in the letter "We now require you to contact us even if you are not the tenant responsible for the debt." Nice try, no cigar. Cheeky bandits. :cool:

Freebies:

:staradmin Free cinema tickets for Virgin customers? (Link)

Offers:

:staradmin Burger King 2-for-1 coupons (Link)

determined_new_ms

Afternoon guys :wave: hope everyone is well! Hurrah for Friday :j another day of not getting enough done, but at least I can put it all out of my mind for 2 days :T

MrsGSR I am very jealous that you can put your washing on outside. Tis miserable here, really feels like winter!

alley congrats on the good interview, fingers crossed for a good update next week. If it felt good then you are in with a strong chance, you know when they go well.

My list for the day

* has been quite spendy went into town with dd and bought a mac for me as my jacket from last year is too small will need to wrap up and store in the loft in the hope it will fit next year... Also bought oh's Christmas gift, but it was on 1/2 price so pleased with that
* update & submit expenses
* working from home so no travel costs
* will check banking later
* had breakfast out with dd but will have L/D from stores - will just be some of the leftovers & veg in the fridge
* quick tidy round of the upstairs
* get winter quilt out of storage for dd's room
* do vsp & update sig
* order bath
* have listed a few bits on freecyle
* will go through items to list on ebay/facebay/gumtree to raise some cash
* need to do a quote for home ins as renewal has come through - seems a good offer but we will see....

Ok that's my lot guys. Better get back to work x

Pernicious

Hi everyone,

Thanks for starting us off Ziggy.
Ally - Glad the interview went well.

Today's plan:-

• Making use of free water at work
• Staying in for most of my lunch break to avoid spending, popped out to get an anniversary card & some tissues
• Food from stores
• Dinner from meal plan - Seasoned chicken & veg
• 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
• Check emails for reply regarding refund
• DH doing some overtime tonight
• Heating off, fleecey dressing gowns on tonight!
• Go to second job tonight, driving not drinking
• Debate applying for temporary promotion...

Hope you're all ok & have a great MSE day x