Friday, 27th September - What Small DFW Things Will You Be Doing Today???

ShootForTheMoon

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:

Thanks for starting ShootForTheMoon

It's FRRRIDAY! And it's payday for me. My first payday being a proper adult with proper bills today

List for today:

• Drive to station and park free in road
• Check bank
• Check CC
• Chase bf for money he owes me (I had to buy his mums bday present because he "didn't have time" !!!
• Transfer all my bill money into savings (gas, electric, water, council tax etc) I am yet to get any bills so don't want to be caught out
• Lunch from home - leftovers chicken leaks and ham
• Stay in at lunch
• Get bus to station instead of tube
• Get petrol on way home - only budgeting for £30 this month
• Tidy up when I get home
• Bf coming round with a couple of films to watch
• LSD - May get film snacks- limit £5

ShootForTheMoon

Morning Gang!! It's Funky Friday!!!! :beer:

Hope everyone is well today?!

It's payday here, so I've been up whizzing money through the accounts so that we can start as we mean to go on!! It's going to be a tight month for us, as we are off to Egypt at the end of the month, so have to save as much as possible!!

Which leads nicely on to today's list:

Check online banking - paid overtime :j

Transfer straight into savings - if I can't see it, I can't spend it!!

Finish ironing and put away

Clean house with minimal products and hoover before OH gets home

Hoover car (hoover plugged in communal hallway :rotfl:)

30-day shred and a quick run

B/L from stores - tuna on toast!

Sort out budget as have been paid a little more than expected, so can make some adjustments to the tight food budget

Look for a decent pair of shoes to wear for a wedding later in the month - might try the charity shops in town!

Out in Bath tonight for a meal and drinks to celebrate DBIL's 25th Birthday!! The in-laws are paying!!



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

determined_new_ms

Moooorrrrrnnnnning!!! Friday :j If I can just get through today I can clock off until Sunday :T Sooooooo tired have worked until 10-10.30 everyday. Mustn't grumble I have now done 1/6 weeks :j

Thanks for starting us off ShootForTheMoon

Carrie welcome back!

Dawn good to see you on the thread again! Things for me are very good now. My dd has calmed down a lot, still progress to make but it isn't the daily hell it was. I'm now a grandmother!

perni how did the interview go?

Things for today:

* [STRIKE]checked banking, reconciled funds[/STRIKE] - although there is -£40 difference between what is in my accounts and my spreadsheet so will have to find that over the weekend....
* B/D from stores - think I am getting lunch at a meeting
* [STRIKE]quick shower[/STRIKE]
* post parcels - OMG I have to do this today it is ridic! Post letter
* [STRIKE]have tidied round the kitchen[/STRIKE] - all this working is leaving my house to fall into disrepair!
* [STRIKE]Did VSP will update sig[/STRIKE]
* load of washing in & will put on line
* make note of mileage
* text friend about plans for tonight am going to bingo (hopefully will make my money back! :rotfl:) cancel going to dinner though as have no time
* get £10 dd owes me
* measure up bathroom & text db details
* work work work!
* smile as the big event we are hosting on Tuesday (150 people) is almost done and I can focus on other things. The great thing about being a manager is I can delegate a lot of my tasks :rotfl:

Ok that's my lot better get on! x

DigForVictory

Finding the cheapest glass bottles for home made ginger cordial & lemonade within walking distance of the office.
Setting an alarm to remind me to take meter readings.
Looking for Scout uniform discount suppliers.
Buying a supermarket gift card so I have eating money at the end of the month.
Researching pens that write on china & that bake permament, to make Christmas gift mugs.
Trying to figure how much more we can afford to fix gas & electricity (present fix better than all offers but expires in March.)

foxgloves

Morning Money Savers,
Today's list:
*Do Ipsos Mori survey - done.
*Close September's budget by checking all payments have gone out correctly & marking receipts off against bank statement.
*Do October's budget, which needs to be a tight one.
*Pay credit card bill in full.
*Catch up on all finance-related admin followed by big filing session.
*Cut out latest vouchers/offers for pinning to board so we don't forget them.
*Read energy meters & upload readings onto website. (I get 50 Co-op dividend points a month for doing this)
*Make packed breakfast for tomorrow.....v early start as heading down to London, & the alternative will be stopping off to buy bacon rolls!
*Meals as per meal plans - home made lamb burgers from freezer served in the bread rolls I baked yesterday with stir-fry veg from the garden.
*Water veg that are still producing & feed courgettes, aubergines & cukes.
That's it for me, really need to get cracking as I tend to do one massive budgeting session a month, and this is it!
Happy Friday, everyone,
foxgloves x

allydowd

Morning DFW-Jedis, :wave:

Thanks for the starter Shoot.

Last night OH and I attended a free Tesco Food (Tasting) Evening (Link). After listening to a short marketing pitch there were lots of free samples of bakery items to try and we both got a massive goodie bag to take away with us which had in it (among other things) raspberries, eggs, butter and cheese. They're running a few of these sessions up and down the UK and are planning to expand and offer Cheese/Meat/Fish evenings etc at more stores soon.

The List:

:starmod: Breakfast and lunch free from Tesco Goodie bag.

:starmod: Bought new washing-up bowl for £2. Old one had been bleached and bleached but coating had come off plastic and it was in a very sorry state. Old one is now relegated to the hut/shed.

:starmod: Watch DVD from free subscription trial again before posting back.

:starmod: Just been offered another job interview next Thursday. Have a wee think about it. <Hugs to everyone doing the jobs thing just now.>

:starmod: Check accounts.

:staradmin Used tv24 instead of buying a RadioTimes. (Link)

:starmod: Free mini Bailey's in the post. Put in the Christmas/Hannukah box.

:starmod: Job-seeking. Last session of the week then I'm having the weekend off for a change.

:starmod: Decided not to buy new lawnmower til Spring.

:starmod: Check up on back section of tv unit I varnished to repel mould. If successful varnish the rest of the back.

Offers:

:starmod: If you have an NUS card take it to Body Shop and get a free Love Your Body card. On your birthday you get a £5 free product and 20% off everything in store before 22nd October. Participation varies, but you could contact them to ask: (Link)

:starmod: £5 off £20 Lego City. (Link)

:starmod: Buy a £1.01 e-Book at Sainsbury's (Link). Get £2.50-worth of Nectar Points or £5 of restaurant vouchers in return. (Link) I have been unable to find exact details of this offer. Buyer beware!

:starmod: How to book your Waitrose Christmas delivery now and get free delivery. You can change the ordered items nearer the time. (Link)

:starmod: 20% off Tesco clothing. (Link)

Freebies:

:starmod: Free hotdogs via Facebook at larger Tescos. (Link)

:starmod: Free tickets to the Baby & Toddler Show at Event City, Manchester from 27th - 29th September. (Link)

:starmod: Bird-watching freebie. (Link)

:starmod: Free Heat magazine. (Link)

:starmod: Free nursery rhyme pack. (Link)

:starmod: Free eBooks at Sainsbury's. (Link)

:starmod: Win? a free Greggs Madras Lattice pasty via Facebook. They are giving away 200 of them everyday until further notice. (Link)

xJOJOx_2

Morning everyone,

Me and my girls have been very poorly the last few days, so not been very pro-active with getting things done. Hopefully I can start to catch up a little today.

Today's Listy

~ Good tidy around all room including dusting and hoovering
~ Washing and ironing
~ Find some pennies for jar
~ Ring dentist, make sure of free dental at moment
~ Ring tax credits (think im entitled now)
~ File paperwork
~ Snowballing calculator once paperwork arrives in post
~ Meals from stock

iancrt

Payday today so:

1. Confidence boost! compare last month balance to this month balance seems I saved £800 in September. No idea how I have managed that must be a bill missing somewhere.
2. Cycled to Work...lost count done it for 5 years! saves £5 a day
3. Packed lunch at work...day 15 saves £5
4. Tweak my budget to move my monthly pay in full card from 1st of month to 16th month. Still 2 weeks before next statement but aids my cash flow
5. Realised now I no longer have an overdraft the bank charges will stop. Set budget accordingly. feels good
6. Shopped according to a planned menu. Shopping bill above normal need to investigate why! Still within planned budget though.
7. Told daughter if she wants an Ipad for Xmas she has to save £100 towards it.
8. Start looking now for a used Ipad 2 before prices go up nearer Xmas.
9. Spend tonight tidying garage instead of going out. Might find something to sell too!
10. Looked again at my mortgage free by 2020 plan. Still looks good!
11. Still in limbo over the new 0% card not knowing statement dates etc. Cant plan correctly, don't like that.

Overall I feel good today! Going the celebrate by not spending anything

allydowd

DigForVictory wrote: »

Looking for Scout uniform discount suppliers.

Link 1

Link 2

Link 3

Or try Amazon.

Brangwen

Hi there- can I join in?

Today I will be paying the contents of my change tin into the bank - and then paying it off one of my CC debts.

I'm going to transfer the pitiful remnants of my savings account into my shiny new instant access one paying more than triple the interest (still peanuts though!). T

I missed the office sandwich man - I only buy from him on Fridays - so have saved myself £2.95 which I have added to the change tin money. Lunch will be instant soup and fruit which I've already got.

Tonight's dinner is pizzas from Asda - assuming they're still on special 2 for £4, the difference will go in the change tin tonight along with my pocket shrapnel.

That's all for now...

Brangwen

Waving from the debt mountain