Tuesday 29th Oct - 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:

Good morning It's hard to believe I am so wide awake, bright bushy tailed at this early juncture but I am! Had some shocking news yesterday from work about a colleague giving in their notice. Feel bad I didn't recognise how difficult it was for her

Anyway up early as have to leave at 7.30 so I have enough time to prepare for back to back meetings all day (5 between 9-5) hopefully I'll get a lunch break!

Candy congrats on your new job :j is it local?

Well my DFW things for the da:

* checked banking - interest earned on 123 account £13.40 :T
* BLD from stores - breakfast will be marmite sandwich on the drive to work, lunch soup from freezer & banana & dinner needs to be something quick and easy as will be working in the evening!
* return very dress - must do this today!
* purchasing a car seat for dd from facebay for £20
* other than the car seat not spend any money
* get oh to change euros back to £
* send off breakdown claim
* call Victoria Plumb :mad:
* ask oh to take dd to drs - she's really not well & looking after dgd is going to be hard for her today

Ok really just work work work for me today! Nearly at the end of my extremely hard month :T

Have a great day everyone x

carrielovesfanta

Morning! I too am bright-eyed and bushy-tailed this morning. Possibly due to delicious dream about Mr Darcy just before waking.

Thanks to DNMS for starting us off

Here is today's proposed roundup:

Good DFW things

• Charge phone in work - done
• Overtime until 7.30
• B/L/D from stores (reduced fruit bread/rice & reduced houmous salad with reduced pitta/poss left over pizza if OH doesn't eat it or something else)
• Put Kenco reward points into account (am running out of free coffee!) - done
• Look for m-i-l's Christmas present. Have had to scale down my original idea due to cost
• Use saved gift bags/ribbon/tissue paper to wrap m-i-l's birthday scarf (which is much softer thanks to internet solution)
• Heating still OFF. Although was nippy for the first time this morning

Potential slip ups

• OH stayed out at the pub last night. Spend: unknown.
• OH going out with uni mates for birthday tonight. Spend: Possibly astronomical. - apparently he isn't going out now
• I am getting in late from work. Always tempting to pick up something quick for dinner from Tesco. Must resist. Having said that, I don't have any money left (paid on Thursday) so not too bad!

Have a good one all. I shall update later

good_advice

Morning everyone :0)
Up just before 7am with our puppy. She has learnt to whimper/call out she is awake now from behind the stair gate at the bottom of the stairs.

I am a home maker so at home most days.
I save money in many different ways.Cutting the house bills is good!
Low tv package, Low for duel fuel bill.
Stopped buying papers/magazines. I read the daily mail online several times a day for FREE!

Dept Free is something we all dream about. Most people have dept, even if it is the mortgage or loan.

today, I am spending! I have bought a new sewing machine. Replacing my 40 year old Singer with a modern Brother machine.
I love crafting and make many things. give a lot away as gifts.
Saving! for my new sewing machine I saved £27 using a code, £6 with Quidco and will have a lot of pleasure using it.

Washing done and on line

Checked emails for any surveys.. Just had £20 M&S vouchers for doing some.. So worth spending time filling them out.

NO heating on. Hoping to hold off till November.

Happy Halloween.

mon1o

Good Morning

I hope no one minds me joining in? Here is what I plan to do for today:

*Begin declutter to prepare for Ebay listings - underway
*check mobile banking and draw out weekly spends - done
* make a loaf of bread to prevent a visit to supermarket - done
*get out slow cooker for tea - not done for today but definitley tomorrow
*b/l/d from stores - done
*heating to stay on auto and not come on until 8pm for a couple of hours. this is why we have jumpers etc! - done
*call Stepchange and discuss why my creditors are being idiots and not stopping interest. See if there is anything I can do to change it. - done and mid year review planned for friday evening.

Potential slip ups:
none - I am off work this week whilst the kids are on half term. Today I have planned a NSD and I should stick to it. - definite no spend day today woo hoo!

MinnieMousesMummy

Good morning everyone,

Finish knitting the body of the soft toy
Package up ebay sales
Do some work on Nectar adpoints
Attend college
Write 3500 words for client
Sort through some of the emails
Do work on swagbucks
Do some work on Nectar adpoints
Check postcode lottery & birthday bingo
Spend an hour looking for freelance work
Go to local knitting group
Collect the kids from school and childminder
Sort meal plan for November and make shopping lists
Catch up with yesterday thread

I think that is enough for me to be getting on with today. Hugs to those that want/need them x

allydowd

Morning all, :wave:

Thanks for the starter DNM.

Candy: congratulations.

Foxgloves: huge well done on the utility bills.

Beautiful day here, today.

The List:

Check online banking.

Lay on the sofa all afternoon doing nothing in place of sleep before night-shift.

Work. Take packed lunch and own drinks.

Say 'no' to extended warranty on freezer at £40.

Entertainment: listening to music I already own.

Ordered secondhand book for £2.79 instead of £9.99 new for OH's Christmas.

Replace battery in OHs watch using Poundshop batteries.

Lost another pound in weight>Free exercise at work.

Washing on QuickWash cycle.

Electric alarm clock off during the day.

Freebies:

Free £5 for Amex card holders when you write a TripAdvisor review.. (Link)

ziggy2407

Good Morning My Lovelies

dnms - Thanks for starting us off today

Great to see so many of the regulars back posting - we have missed you all and a BIG welcome to all the newbies, this is a really FAB thread with so many lovely, caring, considerate and supportive people.

Cold and wet here again have been up early to be ready for Virgin appointment so have managed to get quite a bit done during that time too:

Check Banks - Done
Check swapits - Done
General Tidy up - Done
Prepped all surplus veg & freeze - Done
Return books/dvds to library - Done
Stew in slow cooker for tea - Done
Virgin appointment - All sorted & cleaned up
List more bits for sale - keep re-listing on FB/netmums/Freecycle

Still to do:
Hairdresser @ home (all 3 of us) -
Check www.freepostcodelottery.com -
Meals from stores -
Track all food - In progress
Finish 6 x reindeers -
Catch up on emails -
Surveys -
Nectar Adpoints -
Enter a few comps -
Knit - in progress
Read Book (from library) - in progress
Update here -

Have a good day, stay safe, love to you all.

C xx

foxgloves

Morning all,
Would have been on here earlier had it not been for spotting a MOUSE scuttling under the cooker. Nooooooo!!!!! Not scared of them at all, but they're a nuisance & it's several years since we last had this problem. Cat refusing to help out.
Today's small positive things:
*Try to find humane mouse trap in shed. Also find bait boxes from last time as back-up.
*Ran washing machine & heated airer overnight on Economy 7. Big items hanging outside in sunshine. Heated airer won't be going on again until tonight's cheaper tariff.
*Carry on doing all my little energy saving measures. Downloaded new bill yesterday & after running a debit on energy account for ages, we now have £123 credit towards the winter. Result! I do sometimes feel a bit OTT sharing bath water, refusing to run washer on daytime tariff, saving hot water in flask, etc, but it's obviously helped.
*Heating still off, except for bathroom heater just for an hour first thing.
*Made chicken stew from some of the rubber chicken divvied up yesterday. Made it early so can get some of it in the freezer before mr f comes home. mr f can eat his bodyweight in stew, so I sometimes have to think ahead if I'm intending some for another meal.
*Pulled home grown leeks, picked, blanched & froze the last of the runner beans.
*Read the Guardian online instead of buying one.
*Carry on knitting little baby socks for friend who is expecting a baby.
*Decide what to do with pear glut.....probably more pear chutney, as mr f says it's one of his faves & I haven't made enough!
That's it for me with the penny-saving stuff. Have a good day, everyone.
foxgloves x

allydowd

foxgloves wrote: »

Would have been on here earlier had it not been for spotting a MOUSE scuttling under the cooker. Nooooooo!!!!! Not scared of them at all, but they're a nuisance & it's several years since we last had this problem. Cat refusing to help out.

Oh no...meeces.....

~~~~( ):>

Candy0107

Afternoon all,

Sorry I’ve been AWOL (again) but (again) life has got in the way

Thank you for the congrats about my new job, I am SUPER excited. It is for a drinks company based in a village outside my hometown. It’ll be a change as I have been at my role for 3.5 years (almost) but I am looking forward to being less stressed and generally a happy bunny. And as I will have a bit more time at home, I should be able to post on here more regularly.

So, today I have/will:

• Dinner from stores (unfortunately, breakfast and lunch was bought)
• Need to wash clothes on a short wash and hang in the airing cupboard to dry
• Need to put pennies into savings pots
• Have a shower tonight (rather than in the morning)
• Have an early night
• Read papers online and a free paper at the station
• Used railpass to get to work

Think that is about it – love to you all, I have missed you all

Candy xxx

Bohochange13

Not very DFW but I just want to get through the day at work without crying!! Will have a productive list once I can become me again!!! ��