Tue 17th Sept - What Small DFW Things Will You Be Doing Today?

allydowd

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:

allydowd

Morning all :wave:

It's Tuesday and it's still bucketing down with rain. We're gonna need an Ark at this rate.

The List:

:staradmin Check online banking. Done

:staradmin Do a quick iron. Not ironing anything that doesn't need pressing. Done

:staradmin Read paper online. Done.

:staradmin Enter ten Facebook competitions. Done.

:staradmin Write to Sky TV to get a dispute resolved. Done.

:staradmin See if I can blag a free membership to a local choir.

:staradmin Book theatre tickets using voucher. We finally decided what we wanted to see.
Done. Free theatre. We always sit at the back of the balcony, you can get £10 tickets up there compared to £30 downstairs.

:staradmin Start planning a few things for Christmas and Hannukah. (Mixed marriage!) We are going to be ultra-frugal this year. Done.

:staradmin Made a tenner cashback on a referral.

:staradmin Harvest tomatoes while still green before the weather killed them. Done.

Freebies:

:staradmin Free photo postcard (Link)

:staradmin Free Clinique sample. Suggest using IE not Chrome (Link)

:staradmin Free sample Pure Gold Collagen? (Link)

:staradmin Get £5 off any book at Amazon through TopCashBack. (Link) I'm just about to try this out.

ShootForTheMoon

G'day Moneysavers!!

Thanks for starting us off Ally! Hope everyone is well...
Last day off for me today, back in for another 7-day stretch tomorrow, so plenty to get on with!!

Check online banking DONE

Lidl shop - OH has left a list and meal plan, so no brain work involved!! DONE

Shop around for best annual travel insurance for me and OH as lots of travelling planned in the forthcoming year!! DONE

Dig over the allotment, check cuttings are taking, water herbs and plant reduced chives bought by OH.

Make cake for my birthday tomorrow to take in to work

B/L/D from stores

Chase friends for donations to our fundraiser for the Alzheimer's Society - doing the Memory Walk on the 28th for my Non and OH's Nan & Pops. £155 / £200 TARGET SO FAR!

Rugby training this evening - free exercise & catch-up with the girls!

Buy OH some cheap rugby boots so she can continue doing fitness with us (minus the tackling) DONE - EBAY BARGAIN 99P!!

Look into organising work "Christmas do" the boys have requested a curry and beer night, so should be cheaper and easier than expected!! DONE! £10 A HEAD FOR A TOP INDIAN IN CLIFTON VUILLAGE - INCLUDING A DRINK! IF YOU DONT ASK, YOU DONT GET!!

Start on pile of ironing to help OH out this week

30-day shred workout and some extra stretching - still feeling the effects of Sunday's game!! DONE

Whip Hoover around and tidy bedroom DONE

Photograph another 10-15 items of clothing for eBay

Resist putting the heating on!!

Think that's about it for now, hope everyone has a great day xxx

ziggy2407

Good Morning My Lovelies

ally - 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.

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 - Done
Deep clean Bathroom -
Bake -
Make Wedding Acceptance card -
Coke Zone Codes -
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

determined_new_ms

Morning :wave: thanks for starting us off ally! Hope you have a productive day shootforthemoon

Still not feeling great so have cancelled meetings & am working at home again today. Felling optimistic I'll get through alot

Things for today:

* check banking
* kinda NSD - am bidding on an xams gift for dgd but that will come from VP pot so none of my "real" money
* [STRIKE]quick shower[/STRIKE]
* [STRIKE]work out cc spends - massive overspend this month need to continue with the searching out things to ebay![/STRIKE] not as bad an overspend as I thought! Currently over by £35 overspend. Easily recovered via ebay
* [STRIKE]all meals from stores - left over veg curry for lunch to use up from the other day. Will bulk out with some veg ;[/STRIKE])
* [STRIKE]heating off - will put on extra jumper if cold[/STRIKE]
* unpack tesco delivery tonight & portion up & freeze what can be
* might check onepoll but to be honest have lost the will on this!
* [STRIKE]speak to db re bath & when he is installing rad in bathroom - think it's this weekend :j[/STRIKE]

Think that is my lot at the moment. Fuzzy headed and not in the swing of things today

Managed to return top yesterday - I had 2 days left in which to return it & not anymore time when I could go and the young sales asst wasn't going to give me my money back as it didn't have the tag in! Had to really negotiate with her and convince but in the end she did

Anyway better get on. Have a great day x

Serendipitious

Plan to relax today but already have done the following

* Online survey, points are now totting up nicely
* Cancelled subscription to a PC games website, you have to sign up when purchasing a game, I bought the game mid August and meant to cancel this before the first payment went through but forgot (oops) so did it this morning with no problem. Cancelled it because 5.99 a month is £71 a year.... Anyhow, no problem as it seems I am entitled to another game for free as part of the deal, so will choose one I really like to play on these autumn nights.
* Need some shopping, and petrol as well, so have made a strict list and will use up some coupons I have including money off per litre
* Heating still switched off

Other stuff for later on...


* Check banking
* Check free postcode lotto
* Find more stuff for baying and photograph it

Have a nice Tuesday everyone xx And Happy Birthday for tomorrow, ShootfortheMoon x

WantToBeSE

Morning all Thanks Ally for starting us off today

Today i have/will:

-Check OLB
-Write monthly (instead of weekly) budget
-Do online shop
-Keep heating off
-Walk to/from school and to/from cubs instead of driving (car in garage)
-Eat from meal plan
-Make Nann breads instead of buying (i love HM nann, they are easy!)
-Have a relaxing day (OK, not really DF stuff, but much needed).

Have a great day!

SiberianHusky

Morning everyone - been a busy few days so haven't been on much recently! Thanks Ally for starting us off

My plans for today:
*Check internet banking to make sure everyone has transferred me their money for tickets to see Reginald D Hunter that I bought yesterday on the credit card
*Pay off said bill for Reginald D Hunter on credit card
*Asda delivery tonight - after some serious budgeting
*Keeping the heating off. I suggested we keep it off until end of Sept then hubby nearly blew me over by suggesting we try it until the clocks go back. So that's the plan - no heating until the end of October (I'm getting my thermals ready now!)
*Do my ironing - only ironing what actually needs to be ironed!
*Start 'Ripped in 30' DVD tonight

And that's about it for today!

Serendipitious

PS It is the 17th today...........

WantToBeSE

Serendipitious wrote: »

PS It is the 17th today...........

I didnt even notice that! :rotfl:

La_escocesa

Hi everyone :wave:

I’m playing that well-known DFW game – take one step forward then take two steps back – we all know it, right?!

Things were tight this month but just fallen off the edge – I need to hire a car this weekend as dad is in hospital and it’s the cheapest way to get there at short notice. Got a good deal and 10% off through work scheme so only £54 for a car Fri-Tues and then about £90 in petrol. Also going to get excess insurance separately rather than through the car hire place – about £20 a weekend rather than £20 a day!! I didn’t know you could get this separately before I became a professional car hirer when I got rid of my first car in 2009. Don’t want to get stung for £700 or whatever it is if I don’t take it out and something happens.

Small things:
- Cheapo porridge brekkie
- Packed lunch
- Checked banking
- Booked a trip away with the girls for Nov - £30 for 2 nights in a v posh looking place – we book a self catering place and order a Ts delivery so we’ve got all our food and drink in.
- Look out hire car excess insurance deals
- Planning/prep for Thursday’s class – got ‘ready made’ students as taking over for someone :T
- Helped a pal prep for job interview