Wednesday 16th October - What DFW things will you do today?

happytails

Hi Everyone!

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.

Seems no one has started us off yet this morning, so thought i would

Sarah x

happytails

Hi everyone!!

Finally got a quiet moment so thought id come find the thread and couldnt see it!! Guessing everyone is busy today!

So far ive rang Tesco about my order that was delivered Monday as they took out the wrong amount (i declined a substitution and they didnt take it off the bill)

Emptied and refilled dishwasher, cleaned the table, chairs and highchair, hoovered dining room, made my bed (was about to do the childrens' but smelt poo and found my lovely DS had smeared it on the wal downstairs :puke: so then cleaned that and him up! phew what a morning!!

Need to clean the microwave

Check FPCL and Ebay sales (£14 so far since yesterday) DONE

Check banks and budget to make sure they are right. DONE

Get husband to do the balance transfer to our 0% CC :T And close the 2 paid off credit cards we have (both his name so his responsibility)

Finish sorting the craft drawers to sell a few bits (mostly puzzles they dont do any more, will need to check they arent missing pieces)

Wrap some Xmas presents if DD2 goes to sleep before school run and DS plays nicely whilst she sleeps. DONE

Read through the policy documents for my new car insurance, got it yesterday saving me ALOT of money compared to what i paid this year (we have 2 cars to insure and last year it was over £1300 total, this year its under £700 :T) so need to make sure everything is correct!

Post office run when i pick DD1 up from school.

Check radiator timer and temp it will turn on at (i have it set to 19c but i have a feeling its been tampered with, kids!!!)

Hope everyone has a productive day!

Sarah x

ziggy2407

Good Morning My Lovelies

Happytails - 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.

Today's little listy (and I will be trying my very best to crack it) :

Check Banks - Done
Check swapits - Done
Packed lunch for OH & DS- Done
Check www.freepostcodelottery.com -
General Tidy up - Done
Call Tax Credits -
List more bits for sale - keep re-listing on FB/netmums/Freecycle
Bit more decluttering -
Bake -
Meals from stores -
Track all food - In progress
Catch up on emails -
Surveys -
Nectar Adpoints -
Enter a few comps -
Knit - in progress
Read Book (from library) - in progress

Have a good day, love to you all.

C xx

foxgloves

Morning all,
Thanks for starting thread, Happytails......looks like a busy day for folk today. Oh.....Ziggy, you crept in....hello!
Today's very small list of very small things:
*Ran heated airer overnight on Economy 7 tariff & turned it off as soon as I got up.
*Did the ironing. Switched off for final item & used residual heat.
*Did a couple of surveys.
*Checked ebay listings. No more sales, but not really surprised as this stuff is on its final listing & is then off to the charity shop.
*Pulled & cooked last of the beetroot.
*Meals as per meal plans - jacket potatoes.
*Hot water from kettle saved in flask towards next drink.
*Cardi & handknitted warm socks ON, heating still off, although bathroom heater did go on for about an hour first thing.
*Do prize crossword.....someone's got to win it.
*Continue knitting Christmas present for F-I-L.
*Call at village farm shop for nice inexpensive little choclatey item to add to a birthday present.......try my hardest not to be tempted by goodies we don't need.
*Find spare envelope to fit a birthday card so I don't have to go out & buy another one.
*Defrost home made soup for mr f's packed lunch tomorrow.
*Watch first episode of Lovefilm dvd......trying to get the best use out of our subscription, so trying to get a quicker turnover.
Have a good day, & keep your hands on your pennies.
foxgloves x

MinnieMousesMummy

Good afternoon,

Happytails - Thanks for starting the thread this morning

My list for today:

1. Quick shower
2. [STRIKE]Check through emails[/STRIKE]
3. 2 hours studying
4. Check birthday bingo & postcode lottery
5. Check bank - move money
6. Check Mr A order - scan & put away
7. [STRIKE]Nectar Adpoints[/STRIKE]
8. Do some work on ds1's bedroom
9. Do full loads of laundry
10. Post test items and update paperwork
11. Do freelance project that I has come in
12. Update challenge that I am working on

I think that is everything for today. Hope everyone has a good Wednesday, hugs to those that want/need them x

lulabelle

Hi all

I've been away for a while and spent a small fortune so am now back into MSE mode!

Today I have/will:

1. Brought lunch and snacks from home (half carton and soup, piece of bread and a tunnocks tea cake!)
2. Have dinner from stores this evening (not really that MSE as did a shop last night and was more than I wanted to spend but better than eating out and we've all gotta eat!)
3. Make use of free tea/coffee/water at work.
4. Stop being a wimp and turn off the bl**dy heating tonight and instead wrap up with extra layers and fluffy socks (and try to get the cat to snuggle up for extra warmth!)
5. Use lounge lamp and candles rather than the big, electricity sucking lights (plus the ambience is much better!)
6. Have a NSD (should manage this until Friday night when I want to do my shop for next week as this will keep me out of the pub/take away too)
7. Re-use the piece of foil I brought my bread into work with today (is that skanky? to be fair it didn't have butter on it)
8. Watch the programmes I missed on sky whilst I was away and read my book (to avoid buying dvds etc and to distract me from shopping online)

I've also told my parents not to get me ANY gifts at Christmas. Bless them, they always give me some cash which is great but they also feel bad I've nothing to open so end up buying me things I don't really need and which then go to waste. So have told them not to get me a single thing this year because if they feel they want to give me cash (to be fair, it's cash my dad wins on the horses rather than 'their' cash) then that's great.

allydowd

Afternoon DFW-Jedis, :wave:

Thanks for the starter HappyTails.

Lulabelle I unashamedly re-use tin foil.

Brief visit today.

The List:

Evaluated whether broadband contact is good value. Due for renewal soon.

Free exercise in the form of a walk to the Post Office.

Made a new "What If" financial plan with my OH to reflect what'll happen if/when I start new job.

Tidied household paperwork folder.

its_maths_not_magic

I can just see the start of the end of the week...:j

Well, lets see whats on my plate today:

1. Coming here to learn more, and keep up the motivation - YEP
2. Got my grocery list done with all vouchers and coupons I can used and am totally organised for each shop- UH HA
3. Found out how to freeze eggs (take out of shell, put individual egg in ice cube tray and freeze in air tight container if you're wondering) since by lucky chance I got a double voucher for free range eggs on sale - WHOO HOO!
4. My third no spend day in a row - HELLS YEAH
5. Trying to cost our weekend outing, but apparently council staff have a no answer phone/email policy, as is the tradition in most countries I suspect - BOO
6. Lunches from home - YUM, plus I don't like most convenience food so works out well
7. Just enough sunshine to take the pooch for his walk later, might spend some time in the forrest near home while he uses the time to try and find every single stick to 'claim' - HMMMM
8. Checked bankaccount and spreadsheets and its all as it should be - AWESOME
9. Taking care of the slight flu I have with stuff aroud the house like vit C and honey - SNIFFLE

hampsterpoo

Hi All been working today ,

so today I have the leaking bath fixed and the cold water in pipe on the toilet fixed, and they said they coulnd come till friday . So thats good.

Postcode lottery - DONE

Surveys -

Garys G I H - DONE

Read book

Sorted out tommorows dinner

Charged phone at work using their leccy

Ate & drank at work so no spend there.

Checked ebay ,, now have 5 watchers on 1 item which is one of 4 that I pulled from a skip at work and a couple of single watches on two of the other items. I did tell them , but lucky for me the reply was well you sell them then.

Cushelle Christmas Koala comp - its there just looked .

Jordans win a book comp - entered

Caramel147

I've had a no spend day today! I made lunch at home from weekend leftovers, and my dinner was soup from the freezer (which was cost me a whole 85p reduced in Morrisons), and I've just done a round of surveys.

I'm feeling pretty good.

sparklychar

Not been 100% virtuous the past day or 2 - bought myself some books for a course i'm doing, and not the cheapest ones, and went for a takeaway last night, and bought a bit of supermarket lunch today... however i have also....

turned off mobile charger during the day
checked bank accounts
quidco surveys
Adpoints
Free Postcode lottery
keep heating off
made lunch for tmrw
1 teabag for 2 cuppas

lovely reading about everyone's efforts

xxx