Thursday 26th September 2013 - 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 :hello: wow I can't believe it's Thursday already!

Quick post from me as should be in the shower already!

* checked banking
* shifted funds
* updated SS a little
* NSD
* take note of mileage
* post parcels - print labels at work
* print off cc statement and something else I need at work
* made hm pizza & a lemon drizzle cake last night for team meeting today instead of buying lunch
* measure bathroom walls & email db & he will order plasterboards for me :A
* friend coming round for coffee & cake after work instead of us going out to dinner
* work work work!
* ebayer picking up cupboard doors tonight

Ok gotta dash! Have a great day everyone x

ShootForTheMoon

Morning gang!!

Thanks for the start DNMS!! Up and at 'em bright and early today!! Time to crack on with today's listy:

Check online banking

Walk to Lidl for 4 items only!!

Call in library and see if there's any interesting travel books

Pick up parcel from PO - Birthday gifts still arriving! What's this?!?

Quick trip over to Wales to see the amazing grandparents

Free taster session at Crossfit tonight with one of the girls - have heard good things about it, so we'll see what it's all about!!

Nectar Adpoints & Swagbucks

OH working overtime at After School Club again! Winner!

Get kit ready for Saturday's "Memory Walk" in aid of the Alzheimer's Society. Means the world to me as my Non has been in a specialist hospital for 3 years now and the care and support is second to none.
Raised over £400 already... Will have one last push with my lovely FB friends this weekend.

Cheapo supper as we're both home late - maybe cheese on toast from stores!! Can tell it's the end of the month

Think that's about it for now... Have a fantastic day lovelies xxx

bt1

Morning,

I know, this week is going so fast! Hopefully the weekend will go slow for me as need some time just to chill out and do nothing!!

List for today:

• Didn't walk to station, drove and parked in the road so didn't have to pay parking - done
• Check bank - done
• Check CC - done
• Update app - done
• Lunch from home - leftovers from last night - done
• STAY AWAY FROM SHOP AT LUNCH!! - - went into the shop but the thought of having to come on here and give my excuses changes my mind!
• Charged phone at work - done
• [STRIKE]Get the bus later to save on oyster (it's only 70p a day but they will all add up!)[/STRIKE] I will walk, that's free!
• Do meal plan next week
• Write shopping list for Saturday
• Tidy up
• Keep heating off!
• Dinner from meal plan - chicken ham and leak
• Start sorting through boxes which haven't been unpacked!
• Register my CC online so I can do a balance transfer online
• Rejig budget for October - £14 down at the mo, but think I'm massively overestimating me gas/electric bill (£80)
• Do a study plan for this weekend, I've got a lot to catch up on!
• NSD

Work should keep me busy today so I will update later

allydowd

Morning DFW-Jedis, :wave:

Thanks for the starter DNM.

The List:

:starmod: Checked coolant/anti-freeze levels in car. Too low. Eek! Pumped up tyres to conserve fuel. Washed car by hand. Done

:starmod: Watch DVD from free subscription trial.

:starmod: Check when next Tesco Clubcard vouchers are due. November.

:starmod: Write letter to Financial Ombudsman. In May OH applied for a savings account. OH received a credit card instead. OH cancelled credit card. Credit card disappeared from online banking page in July; presumed all sorted. Credit card has not been cancelled! Done

:starmod: Fit new £2 lampshade in hallway. Done

:starmod: Sew button on OH's £1 trousers. Done

:starmod: Attend Tesco Food Evening.

:starmod: Check accounts. Done

:starmod: OH's relatives coming for coffee at 9am. Offer homemade scones. Done

:starmod: Move cash out of savings to pay bill. Done

:starmod: Read up on Halifax CashBack Extras. (Link) Not a bad offer. 15% back at Argos. 10% at Homebase. 10% at Play.com at any time in the next moth. Activated this for free in case we decide to use it.

:starmod: Deep clean kitchen floor. Done

:starmod: Clean house using washable cloths. Done

:starmod: Calculate how much savings interest I'm due this year. 66p. By the time I've used electricity to move the funds in and out in between paying bills I actually don't think it's worth me using the savings account as my savings are so small and interest rates so meagre!

Offers:

:starmod: Two for one at Burger King (Link)

foxgloves

Morning all,
A few small things today:
*Free exercise as spent 2 hours clearing up the courtyard & re-arranging pots so as to get some autumn colour without spending any money. Done.
*Clean house using minimal products. Doing it as soon as I sign out.
*Dinner as per meal plans - home made pizza. Put dough programme on bread machine & use rest of dough for bread rolls for rest of week's packed lunches & freezer.
*Pick salad leaves/radishes, etc, from garden to serve with pizza.
*Pick another bunch of grapes for dessert.
*Start rounding up everything required for tomorrow's major budgeting session. Scary bank statement today in the post. Will be relieved to get down to dissecting that line by line & getting October budget in place.
*Make tomorrow's packed lunch which will involve some soup from the freezer.
*Pick bunch of flowers from garden to cheer up the lounge windowsill.
*Continue knitting Christmas present.
*Investigate the link sent by Debenham's customer services which shows that there is indeed money left on my giftcard (as I knew there was!) as the problem was their website, not my giftcard, or for that matter, my brain! Proves it's ALWAYS worth following it up if you think there's something wrong.
Have a good day, everyone,
foxgloves x

carrielovesfanta

*peeps around door*

Hello everyone, long time, no post I know

Thanks to DNMS for starting us off, and nice to see so many familiar "faces"

Have not been entirely on the dfw bandwagon after paying off my cards, although on the plus side have not gone backwards. (At least I haven't...). Think I got a bit overexcited about being able to spend money on all the things that I haven't over the last 3 years. And it's been lovely. However, I am now at a new crossroads.

It turns out that while I was scratching about for money to pay off the debts, OH was withdrawing significant amounts of cash on his credit cards, so we are now set back quite far. The underlying issues here are not entirely resolved, and I personally am not losing out while the money is paid back. Not sure about this approach but it is very important to OH.

I feel the best thing I can do is try to get myself together and cut back in other areas. With that in mind, here is today's plan:

B/L/D from stores - B/L so far!

Email friend to remind her about the £40 she needs to pass me - done

Work some overtime

Lovely tin of Millicano coffee "bought" with reward points off coffee packets in work

Heating not on yet, but turn radiators down halfway in rooms that aren't used as often in preparation (can't turn them off as house got very damp the year we did)

Nab some blu-tack from work to put over unused key hole in dining room patio door (old style lock that lets in a hell of a draught!)

Investigate mysterious £80 that has appeared in my account! - oh my. I actually paid it in MYSELF... YESTERDAY :embarasse:wall:

That will do for today I think. Need to ease myself back in slowly!

Have a good one guys

xJOJOx_2

Today's List

Check online banking
Transfer £10 to separate account to go towards debt
Quick tidy up
Meals from stock
Find money for jar
Put details in snowballing calculator. Work out best repayment.
Review d/ds and work out how much extra cash required once Maternity pay drops.
Find where I've 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
Sort paperwork file out

Pernicious

Hi everyone,

I had my interview today for a temp promotion, not too sure how it went to be honest :undecided I'll find out next week if I get a second interview, fingers crossed. I am feeling so down again as if I don't get it this time (I have applied for this role 3 times now...) then I don't think I want to be here at all. I know I can do it I just keep getting overlooked. I don't know what else I'd do instead though...

Thanks for starting us off DNMS.
ShootForTheMoon - That's an amazing amount to raise, well done!
bt1 - If you save 70p a day for 5 days a week all year then you save £181.96 if my calculations are correct! It really does all add up.
Carrie - Nice to "see" you, sorry to hear your OH has been using the cc's though.

Today's plan:-

• Making use of free water at work
• Food from stores
• Dinner from meal plan - Bangers, mash & veg
• Stayed in for my lunch break to avoid spending
• 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...Really 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
• Keep an eye on items listed on fleabay

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

Frugal_Saver

Hello everyone,

Missed yesterday's post, everyday seems to be the same for me at the moment,

*meals all planned for the week,
* lunches have all been left over dinner (and they usually taste better!)
*only spending money on things to make dinner or things we've actually run out of and need to be replaced.
*spending time in the evenings doing surveys, awaiting £5.00 paypal from Swagbucks, £15.00 amazon voucher from Toluna and I can cash out £10.00 sainsburys voucher on Valued Opinions or wait until I get to £15.00 and cash out Amazon voucher
*starting to think of ideas for homemade Christmas gifts, I've just put in a holiday request for the middle of November so I will be able to spend the week making them

Today I will be doing the following as well:
* NSD - unless OH needs bread for sandwiches tomorrow in which case that will be the only thing I buy!
* Heating staying off, it's been relatively warm the last few days but I think it's a bit cooler today
* Still not using winter duvet, unless OH goes back on nights anytime soon I think we're a long way from this
* Start a list of things to take away on holiday in a weeks time

Thrifty_Fashionista

Todays list

Take box of CDs that sold on M@sicM@gpie to collect shop DONE
Check items on E@ay and list some more DONE
Clear out three boxes that are blocking access to window 1 box clear
Make last yrs xmas cards into gift tags for this yrs xmas pressies , , , 2mrw

TF x

Tiggy10

Hi all!

Late again.
Todays list:
- fill in form that arrived for electoral roll registration - post tomorow
- post the ebay parcel- tomorrow too late to get to town
- write a shopping list for bits tomorrow for pay day from 2nd job.
- text 2nd job as for pay info & p45 as was just temporary- need to claim my tax back. slightly worried no payslip but manager says i will defo be paid tomorrow. in big trouble if im not
- food from home, lunch is last nights leftovers
- dinner from meal plan- only 1 option - breaded fish and sweet potato wedges.

-catch up on TV while bf is moonlighting, not been allowed near since I bought him GTA5 for his bday last week.

Think thats about it!
yay Friday tomorrow!