Wednesday 25th September 2013 - What small DFW things will you be doing today?

bt1

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:

bt1

Morning! :wave:

Hump day! Half way there!

Went out for an Indian last night (mum paid) was sooooo yum! Couldn't finish is all so got a doggy bag and now in freezer to have at weekend

List for today:

• Walked to station. Knees are aching!
• Checked bank- final DD came out today
• Checked credit card
  
• Hope that the car finance people call
• Lunch from home - sandwiches again
• Top up oyster with a £2 voucher I found last night
• Dinner from meal plan - sausage and mash, cook for two and have for lunch tomorrow
• Do at least 1 hour studying today
• NSD - Must. Not. Go. To. Shop. At. Lunch.

HOK3Y

I searched for roadkill on my walk to the train station and am now spending my train journey picking up some motivation here. Will continue the scavenge for roadkill and hopefully make some pennies this evening on the matched bets.....although I need to find some time to place them!!

xJOJOx_2

Today's List

Check Online banking
Lunch and dinner from stock
Take daughters to libarary
Get lift into town
Pay all wages into bank Done

Carried Forward

Put details in snowballing calculater. Work out best repayment.
Find where Ive put my passport and put with others
Write list of few bits needed and get oh to buy
Start writing christmas list for me of things I need
Review d/ds and work out how much extra cash required once Maternity pay drops

foxgloves

Morning Money savers,
Haven't made myself a to-do list this morning, as I'm having a day of clearing random jobs before spending the next couple of days doing a big clean & a major admin/budgeting session. Still a few money-saving aspects to my day though:
*Meals as per meal plans - curried chicken rice using rubber chicken divvied up on Mon, with stir-fry garlicky chard from garden.
*Apple sauce made yesterday labelled & frozen.
*All water boiled in kettle saved in flask for next coffee, as it then boils in next to no time & saves gas.
*NSD today, also tomorrow. New budget starts Fri, so if I don't spend anything, I will have £10 leftover from my September personal 'spends' to put in my little secret tin.
*New winter dressing gown arrived in post. Can't believe how thick & warm it is. A bit more than I would normally spend, but hopefully should get a good few years wear out of it & it will defo help with having less heating on!
*In fact, heating still off. Completely. Going to check my energy records to see when it went on last year & try & go for a bit longer than that this year.
*Experiment with home-made porridge pots. Never made one, defo worth trying as would be good for mr f to take to work on early start days.
*Catch up with surveys.
*Carry on potting up tender plants to move indoors/to greenhouse before the first frosts so I don't rebuy new next year.
*Carry on knitting Christmas present - front of jumper cast on last night & even managed to do 3 rows before breakfast this morning! Still got sleeves, a pair of socks & 3 bags to do after this, & possibly a scarf too, so got to get those needles clicking.
That's my lot, I need to get out in the garden now. Have a good day everyone. Keep your hand on your pennies!
foxgloves x

allydowd

Morning all, :wave:


The List:

:starmod: Checked online accounts. Done.

:starmod: Go to Body Shop to claim free hand cream. None left, never mind.

:starmod: Claim free yogurt with coupon. Done.

:starmod: Unsubscribed to a couple of sites I'm not using. Less junk mail to delete=less time spend on laptop. Done.

:starmod: Restore lost Show Desktop icon to my laptop Quick Launch myself, instead of paying someone to do it. (Link) Done.

:starmod: Enter ten Facebook competitions. Thanks Ziggy for your help with this! Done.

:starmod: Recycle the used pages on my notebook. Make a new list, I'm in a muddle. Done.

:starmod: Clear out my emails in case I've missed something important or valuable. Done.

:starmod: "Sign on" at JobCentre and job-hunt. Done.

:starmod: Look for a cheap lampshade in town. We haven't got one on the stairs. Done. £2 in Wilkinson. None in charity shops.

:starmod: Email local choir and beg for free membership. Done.

:starmod: Go into OH's bank. They called to ask if everything was ok as there's been no activity on her credit card. OH does not have a credit card with them! If this was a genuine call that bank are going to be in for a rollicking from me! Done. Don't even ask!!! :eek: Letter to Financial Ombudsman in the pipeline.

:starmod: Buy trousers for OH for job interview. Done. £1 for a brand new Next pair in charity shop as the button was missing!

Freebies:

:starmod: Free Sadolin Wood Treatment pot. Big range of wood types to choose from. (Link)

:starmod: Free Trex 2014 Calendar. (Link)

Offers:

:starmod: In today's The Sun. Free tights at Superdrug. (Link)

Thrifty_Fashionista

Morning!
Have sold dvds / cds so going to pack them up and send today
Listed 6 items for selling

TF x

MrsGSR

Morning, NSD 10 today yay!
So far
-3 loads of washing done and out on the line.
- cleaning done
- heating still not on, whoop! Infact when I entered my meter readings on line it was questioned as it was lower as I have turned off the water tank! Why havent i done that before.
-work later so will be taking my tea again.

Not much for today

lulabelle

what is roadkill?!

foxgloves

Roadkill is dead animals on the road, killed by being hit by cars. It is also sometimes used to refer to coins found on the ground which can come home with you to add to your penny jar.

Pernicious

Hi everyone,

Thanks for starting us bt1.

Today's plan:-

• Making use of free water at work
• Food from stores
• Dinner from meal plan - HM spag bol from the freezer
• Popped to the post office on my lunch break to pick up a parcel, saves me driving there after work & using more petrol
• Log calories & exercise on free apps
• Checked birthday bingo
• Check online banking & enquire why our 0% overdraft is ending next month, I am sure we had longer on it...Must do this tonight!
• Check for new mystery shopping opportunities
• Enter some comps
• Do some surveys
• Declutter & flylady
• DH hopefully doing some overtime today
• Heating off, fleecey dressing gowns on instead
• Prepare for interview tomorrow for possible temp promotion - bricking it now...
• Keep an eye on items listed on fleabay
• Talked DH out of wanting such an expensive xmas present this year...we will look into it next year when we are debt free as this will just add to the debt otherwise! I feel really mean, but know it's just not affordable right now

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