Sat/Sun, 28/29th September - What Small DFW Things Will You Be Doing This Week

carrielovesfanta

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:

carrielovesfanta

Morning all!

Hope I'm not double posting.

Hooray my pay appeared today instead of Monday (as did OH's student loan). I sat with OH this morning and showed him how all the money gets moved around for the bills etc. He has requested to be more involved with finances, so this is the first time he's literally seen the money being moved. He was completely horrified actually at how quickly it all vanished. He said he felt very bad for me that I wasn't left with very much. I think he forgets that you don't really have a choice over paying the bills!! I never consider it to be my money in the first place and I think that's where he's making his first mistake.

With that in mind, today's plan:

B/L/D from stores. Drinking more of my free coffee. I have already accrued enough packets for the next tin - yum whoopsie croissant for brekkie

Try out new old breadmaker that my friend gave to me after my old one broke - look for manual online. Found it! - bread in now. Will try cooking the loaf in the breadmaker as the pan is a better shape than the old one. Old one made a giant cube loaf so I only used it for mixing the dough.

Find out where to take broken electrical items as our trundle heater is also dead (blew all the fuses in the house!) - not too far away from us. Will drop items in tomorrow as we have to drive past anyway.

Keep crocheting m-i-l's shawl. I'm not happy though, It's much wider than it was supposed to be and my tension isn't especially loose. It was supposed to measure 27.5" wide and it about 37" :eek:
Do you guys think this will be too stupidly large? She is a slightly larger lady, but it totally drowns me so far. Any ideas to fix it? Also there is no way I will finish it before Christmas.

Housework - keeping me toasty warm (although it's ROASTING) here today. - bed stripped and clean stuff outside on the line. Oooo here comes the sun out!

Plan a shop for OH's lunches. He has said that he is going to take food from home from now on, but I know for a fact that if he has to either a: think about it or b: get up any earlier, he won't. I have also tried making his lunches before but they were left to rot in the boot of the car. I wonder if it would be better just to budget lunch money for him?

Still didn't nab blu-tack. Will stick tape over the hole instead! - done

Asked m-i-l to pick up a tension rod for me to hang a curtain over the front door. Look online for very thick insulation foam tape too as can see daylight all the way round :eek: - watching some on ebay

That's a good start methinks. Will update through the day.

Picked more ripe tomatoes. Think I will roast them for soup. Garden looks a complete state with squashes trailing, half dead tomato plants, raggedy basil etc. Must tidy up!

Have a good one all

bt1

Morning! Thanks for starting carrie

Quick list from me today because I need to get on with studying:

• Checked bank and credit card - all ok
• Washing done and hanging on airer
• Keep heating off- looks like it's going to be a nice day here
• Do weekly shop, stick to list and budget of £25
• Lunch and dinner from meal plan
• Post ebay item wish finishes today (as long as they pay!)
• NO spending apart from food shop
• Study study study. Got 2 days worth of work to catch up on

Tiggy10

Morning! Thanks for starting Carrie

So I am very excited as I got paid from my main job TWO days early!
And I got my tax back that I over paid for having two jobs it looks like.
(either that or I have had a hefty pay increase :rotfl: )

Must install some discipline - after a month of being skint to being paid twice in 2 days will be hard but I hope I have learned I CAN live off less than I earn!

So my list:
- Pay huge phone bill from texting abroad done
- Pay CC off in full! they wont accept my payment will call when offices open using alternative number from sayno..
- hopefully pay off some OD when the bank opens
-Find out from bank why I am 10.67 overdrawn as of this morning on my bill account when I havent used it since 20/9

- making pancakes for me and BF for breakky
- something from home for lunch
- Enchiladas for dinner. BF bought pudding
- stay in and do work so I can relax tomorrow.

- buy printer ink from curries as its cheapest, cheeky free lift with BF on his way to work.
- go to town buy ONE new outfit from work for less than £20 and nothing else- seen some things in Primarni /HM
- visit savers for cleaning products buy only from list

- clean kitchen & bathroom
- Nag Bf to hoover & actually empty hoover

-budget for bills and transfer to bill account
- meal plan for next week including work lunches.
- ring blood donation people and find out why they have booked me to donate somewhere I cant get to rather than my usual place.

Think thats it. Pretty long today. Feeling excited to get back on track financially! Have a great day everyone!!

allydowd

Morning DFW-Jedis, :wave:

Thanks for the starter Carrie. We got thick insulation foam tape in our big Tesco. Or see details of the 15% off Homebase discount below?

The List:

:starmod: Breakfast is camembert on toasted sweet bread rolls from Tesco Goodie bag.

:starmod: Checked banking.

:starmod: Post back DVD from free subscription trial.

:starmod: Use tv24 instead of buying a RadioTimes. (Link)

:starmod: Nuked half a cup of coffee when it went cold.

:starmod: Walk to craft fair in next village for ideas. Forage for berries on the way back. Take coffee and free coconut macaroons from Tesco Goodie bag.

Freebies:

:starmod:Win? a free Greggs Madras Lattice pasty via Facebook. They are giving away 200 of them everyday until further notice. Today's game opens at 1pm. (Link)

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

:starmod: Pre-register your interest for future free Tesco "Exclusive Food Evenings". (Link) You don't have to put your phone number in. Store numbers can be found on the bottom of your receipt, third from the left.

: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)

Offers:

:starmod: 98p off Total Greek yoghurt at Sainsbury's via Facebook, making it free or nearly free. (Link)

:starmod: There's 15% off everything at Homebase online today and tomorrow using code DISCOUNT15 and also in store. (Link) And if you pay using the Halifax debit card Cashback Extra offer you could get 10% back on the purchase price. Max cashback £30. And get Nectar Points too.

:starmod: In today's Daily Express - 80p, Page 30 Voucher for Free Health Lottery Quick Pick Ticket to redeem at your nearest retailer and on Page 34. Coupon for Free Pot Of Piri Piri Pot Noodles, Valid at Londis Stores today only. (Link)

:starmod: £15 off first Ocado shop with code. (Link)

:starmod: An extra 10% off Debenhams 50% sale with code. (Link)

: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)

MONEY MAKING AND SAVING SITES AS OFTEN MENTIONED IN THIS FORUM:

• Benefits check-up ( Link )
• Birthday Bingo, daily free game ( Link )
  
• eBid ( Link )
  
• Freecycle ( Link )
• Free Postcode Lottery (Link)
• FreeStuff ( Link )
• FreeUKStuff ( Link )
• List of online newspapers. At bottom of the linked page. ( Link )
• MSE Boost Your Income page. Gateway to lots of money-making links. ( Link )
• MSE Deals and Vouchers ( Link )
• MSE Wow Offers ( Link )
• My Supermarket ( Link )
• Nectar Points, AdPoints, Search Toolbar ( Link )
• OnePoll ( Link )
• Quidco ( Link )
• Reclaim PPI at no cost to yourself ( Link )
• SayNoTo0870 cheap phone number finder ( Link )
  
• Survey sites that pay for your opinions ( Link )
• Swagbucks ( Link )
• Swapit ( Link )
• Toluna ( Link )
  
• TopCashBack ( Link )

Pippilongstocking

Ally as always thanks for the lovely fully mse'ing post love the links

Carrie thanks for starting the thread.

Been awol this week - was away last weekend on the mainland and it kinda throws things.

Todays peedie list.

Check banks and watch for money coming in for accommodation!
Do a meal plan/list for the week - we stocked up on fruit last night.
Use up spuds/veg in house before picking any more.
Air dry some washing
Chop up some free wood
Sort a movie out for tonight from the stack
Email kilt hire folks for guitar god and brother so they're not naked in the forest for the I do bit.
Sort out the fridge and freeze any leftovers/stuff going near its date.
Speak to tame friendly caterer about food list
Freeze the tomatoes on the dresser before they turn into tomato mush.


That's probably me today - might cruise the charity shops for a few more books as I've read all mine lately!

Have a good un

carrielovesfanta

allydowd wrote: »

Morning DFW-Jedis, :wave:

Thanks for the starter Carrie. We got thick insulation foam tape in our big Tesco. Or see details of the 15% off Homebase discount below?

Thanks ally. How thick was your stuff? I don't think that the standard 7mm stuff is going to be thick enough (says a lot about our door...). The stuff on ebay is 12mm.

Thrifty_Fashionista

Morning all,

-Going out for lunch, will share a bottle of house wine
-Continue decluttering wardrobe once home this afternoon.
-List more bits on e@ay, current 13 items I've listed have no bids!
-Watch strictly tonight (its free!)

Enjoy your day everyone
TF x

determined_new_ms

Morning awwww the weekend :j and I managed to get a lay in. Feel soooooooo good for it! Perni sadly no I don't get over time. I can take 1 day back a month for time in lieu. The industry work in I just have to get the job done. As a rule I generally will only work an hour (sometimes 1 1/2hrs) overtime a day. But October is a month where I have to do 11 mid term appraisals, set the budgets for all my schemes, review last years budgets with all residents at my 11 schemes as well as managing my team and doing my job. Just need to knuckle down till the end of the month!

Thanks for the starter carrie! What a palarva with your oh!

My things for the day:

* checked banking - received 123 account cashback £11.43 for just paying our bills! :T Excellent madness!
* Need to reconcile accounts so I know where everything went over the last month
* do October budget
* have signed up for the October madness challenge with nijasavingkat - so will work out my plan for the month - can't imagine I could go 20 days in the month without spending!
* B/L/D from stores - need to russle something up real nice so I don't want to get a take away later!
* Finish my quilt I have been making for ages
* measure up bathroom & order plaster board
* post letter & 2 parcels
* do an hours work
* tidy up the house
* received Baileys sample - thanks ally! :A

Mainly just relax and chill out and look after myself today Have a great day everyone x

uphillstruggler

Morning, everyone!

Hope your weekend started less rainy than mine!

Today/tomorrow I will:

*Work work work both days [doing!]
*check accounts [yes]
*look into the pros/cons of credit rebuilding CC
*check status of ebay items - end tomorrow [not looking too good at the mo]
*meals from stores [yes]
*out tonight but won't be drinking = cheap night out! [cheapest night ever as had one free drink and then didn't drink again after - also saved on taxi as friend very kindly gave me a lift in return for a favour earlier this year]
*dedicate couple of hours today and tomorrow to getting bike in working order - plan is to cycle to work and back, saving around £60 a month


Have a super weekend
US

determined_new_ms

OH NO! Have just realised I left the freezer door open last night going to be cooking meat to refreeze