Friday 1st November - What Small DFW Things Will You Be Doing Today??!

Nottoobadyet

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::money:

November? how can it be November? Crikey where has this year gone :eek::eek:

Im about a million hours ahead of all of you, so when Im posting it looks like I'm likely to be on starting off duty

Sorry to hear about your window madness, Foxgloves. Like having a piano dropped on you on the sidewalk!

Aching from yesterday at the gym, but in a good way.

Today I:
- brought lunch in to work
- carpool / staff pick up service all day, getting ride from housemates in evening
- fit in some time for mini-tests as part of some online professional development courses I'm taking. Good CV-boosting and free, so very MSE
- Not very MSE but off to the cinema tonight with my roommates, better than being cooped up
- make shopping list based on meal plan and do shopping while waiting at the cinema (its in a mall)
- work hard and write next week's to do list
- book in ride for tomorrow to get my permit sorted finally

Hugs to all, hope you had a great and not tooooo scary Halloween!

determined_new_ms

Morning NTBY! Thanks for starting us off. It is a shock to have the thread up and running when I get up in the mornings! A good one though I hasten to add!

Foxgloves really sorry to hear about the window. Sucks! Hope you had some stashed away in savings to pay for it.

DFW things for the day

* checked banking - 1st of the month dds came out :shocked:
* did vsp & will update sign - going to have an additional 11p bad boy tomorrow - thanks La E!
* paid cc statement - money for all the bathroom had to be paid :eek:
* hopefully will update monthly accounts tonight. But might not as a friend might be coming round tonight so if she does will do it tomorrow
* did a search for a perfume I want and found the best place to purchase. As have had enough in expenses to cover it Will pick up from Boots tomorrow
* all meals from stores
* grab mince out of freezer
* make sandwich for lunch today
* post off breakdown claim
* decide with oh if we like the tiles from ebay. If so order. May look around a bit more as they are lighter than we hoped for
* post the bloody dress!
* flylady this evening.

Looking after dgd this weekend so decide what we are going to do with her.

OK that's my lot. Today is the last day of my 6 manic weeks at work. Its gone so quickly. Yesterday was a really stressful day as I had so much to do and realised I was not going to meet the deadline for typing up my appraisals I have submitted 7/10 but still have 3 left to type up. Nothing more I could do because there just hasn't been enough time, but I felt rotten that I didn't finish them. Oh well will have to type them up over the weekend.

Have a great day everyone. It's Friiiiiiiiiiiday :j

sparklychar

ooooh its early! Planning a relaxing day of finishing off uni work today.

To do today:
Finish reading for presentation

finish work half term admin DONE!

see if I can borrow mums car with company petrol all weekend DONE! Not sure what's happening.

competitions DONE!

adpoints DONE!

chase up some money owed to me DONE!

crowdology survey DONE!

check for quidco surveysDONE!

buy some Christmas presents with club card boost points.

sign up to getjam DONE!

Have a lovely day all!

Xx

x.nukke.x

Hi all

I'm trying to take control of my finances again so I think keeping a list will help me .

I'm off on holiday today so I'm trying to be productive

Today I hope to:

• Swagbucks (currently at 120SB for today - aiming for 300!) Got 300SB
• Make a list of food we have in the cupboard and work out if I can improvise a few meals DONE
• Allow my lovely mother to treat me to lunch DONE
• Turbolist eBay items for listing on Tuesday
• Put guitar on gumtree
• Check prices for unwanted DVDs/games on music magpie and webuy DONE £26.00
• I have a list of items to buy for xmas presents - might look on amazon and play to see if I can get them cheaper Saved some money and ordered presents for most of DH's family!
• Clean the house! meh...it can wait :rotfl:

mon1o

Good Morning everyone!!

Today I plan on doing the following:
- food shop at Aldi, fill petrol wherever is cheapest - done and saved £40 on shopping bill and £10 on petrol! Result!
-BLD from stores - done
- hang washing on line to avoid dryer being used - forget it weather has other ideas.
-no heating til tonight - dryer is on using this to heat the house at the mo!
- join swagbucks - to do
-see if any MS assignments are available - to do
-check mobile banking to make sure dd have come out and everything is in order - done and all is well

I think thats good for starters! Hope everyone has a lovely day x

allydowd

Morning DFW-Jedis, :wave:

Quick visit. More later if time allows.

The List:

PayDay so paid two bills on time and budgeted for the week.

Speak to agency about possible job promotion.

Pernicious

Hi everyone,

Thanks for starting us NTBY, I can't believe it's November either, my DH is 30 this month!! I have a lot to prepare.


Today's plan:-

• Making use of free water at work
• Food from stores
• Staying in for most of my lunch break to avoid spending, but had to pop out for a couple of bits
• Dinner from meal plan
• Log calories & exercise on free apps
• Checked birthday bingo
• Charging phone at work
• Check online banking
• Check for new mystery shopping opportunities
• Enter some comps
• Do some surveys
• Declutter & flylady
• DH hopefully doing a bit of overtime today
• Heating off, fleecey dressing gowns on instead
• Check fleabay, 14 items will sell at the moment
• Go to second job later, driving not drinking

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

broke_babydee

well i have started November with a new view point to our money situation

light-bulb moment here! :j

To Do List

log on to MSE website and reserch my money makeover DONE

start making note of every penny i spend in my diary DONE

take chicken out of freezer to make a meal from scratch DONE

go to supermarket and buy ONLY what i need for dinner

work out with hubby how much we can throw at the CC's this month and pay it!

check if we could get a better deal on our energy bill

happy november peeps!

good_advice

Another day and another small saving.
Washed sons work clothes early and put on line.
Read the paper online.
Checked bank account.
Printed off new details of tariff change for gas/electric.
Read the meters/online customer.
Small amount of ironing - done.

yesterday spent my free £20 vouchers for doing surveys in M&S, I bought the musical tree biscuit tin for £5. really chuffed with it. The stag shortbread biscuit tin. x3 bags of chocolate notes and coins. I had not seen the chocolate notes before! what a novelty!
All put away in my Christmas box.

I bought some dark pink cord trousers for £8.99 reduced from £35. Guess ladies do not like pink? I love pink,purple, blue and gray.
So many people ware black!

Washed hair and cut it a bit. (fringe)

email today! Congratulations you have won £20 in our monthly prize draw.

Quidco has paid out £3 this week.

Constantly look for plugs out. Quietly and just when left in and not being used.I intend to stay a low fuel user. No heating on yet.

Happy 1st of the month every saver.

foxgloves

Afternoon money savers,
Thanks to everyone who had words of wisdom on my grumpy mood yesterday because of having to pay out all that money unexpectedly to locksmith. You were right......the house is secure, it couldn't have been foreseen & at least we had the money to pay without going overdrawn or sticking it on credit. I'd earmarked that money for getting some heavy tree work, etc, done in our garden, & was disappointed that my careful plans had gone awry. Feel more stoical about it today. Thanks x
Today's small things:
*No heating on generally, though mr f has just this minute switched storage heaters onto their very lowest setting to check they're all still working after being switched off for so long.
*Made bread.
*Made pumpkin soup for lunch using the insides of the pumpkin I hollowed out for a lantern. Spare portion gone in freezer.
*Dinner as per meal plans - macaroni cheese from freezer & stir-fried courgettes from the garden.
*Cat's bag packed for the cattery - taking own food. He's on a special diet anyway, but in supplying our own, we get an 80p per day reduction in the bill.
*Did the ironing, switched off for last garment.
*Found some pretty yarn in my stash to cast on a case for my new phone.
*Washing machine timer set to do a maintenance wash at 90 deg overnight on Economy 7 tariff.....a few specks of gunk starting to appear on clothes, so definitely ready for a hot cycle & a dash of vinegar.
*Heated airer plugged in but not being switched on till bedtime to get it on the cheaper tariff.
*Lots of unsolicited mail in the post today. have gone through it & salvaged anything useful i.e decent plastic bags for freezer bags, unused envelopes. Chucked leaflet for well known pizza chain (as in 'pub game enjoyed by elderly men') in the bin to avoid temptation of husband. The prices just seem a bit of a p*sstake now. Very nice pizzas, but for a disc of bread dough scattered with some bought in chunks of stuff, the mark-up must be significant.
*Update budgets.
*Ask myself why I spent £2 on a stuffed black toy rat at IKEA yesterday. I just thought he looked like a medieval plague rat & would look good peeping out from the back of our kitchen dresser!
That's it, must crack on now.
foxgloves x

115K

1. NSD

2. Not switched the heating on yet :eek:

3. Deposited some money into ISA :A

4. Homemade meals for me and DH

:T