Tuesday 12th Nov - What small DFW things will you do today?

ziggy2407

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_advice

Morning ziggy

Today, I am working on insulation. Self and home.
Self = wear a vest and put socks on.
Home = look out the curtain rings for pole to put up winter thermal curtains over conservatory door. All summer I had violla tab top curtains there.

Washing machine on. Nice day, put on line @12 noon for the afternoon.
My OH has moved the whorlie clothes line under the lean to for some washing to be out in wet weather. Yesterdays lot did not dry but had a good airing. Short tumble dry and then hung clothes up in house overnight.

Just waiting for my Tesco delivery. Delivery cost 93p with deal.
Family of 4 , this week £58.44.
This includes ingredients I do not have to make a Christmas cake.
For Christmas stash = Bonio dog biscuits £1
Bisto Christmas tin £2.
I added something for Christmas every week from October to the shopping.

Do any surveys that appear in my email.

Freebies = Using FREE Sensodyne tooth paste,20ml tube. I have a few of these :0)
Free coffee - on trial as Bzz agent
Used £6 voucher my DD gave my for Tesco grocery shop.
Co op have sent me £7 in vouchers to use in December.
Tesco clubcard statement has arrived. £16 of vouchers.
On trial for Givaudan - Shampoo and conditioner

These small things all add up :0)

Choirs have some ironing to do today.Clean bathroom.

Checked around for plugs- in :0( - unplugged a bedroom tv left on stand by. Every little helps.

Dinner = steak pie and fresh veg.

Exercise = walk the puppy.

Tight wad saving today = Tesco shopping has been delivered.
Marked some of the packets with price paid, to show others how much it cost and (me) try to buy it cheaper next time.

Carefully cut open plastic bags containing fruit and vegetables. Washed them out and now drying on the line. Reason! They are food bags! can be reused to split up portions for the freezer or picnics.

Have a money saving day everyone.

carrielovesfanta

Hey all,

Thanks to ziggy for starting us off

I didn't get back on last night to post yesterday's list. Not so good though as even though OH was in all day, he didn't want to cook and ended up with takeaway.

To then compound this, this morning he said that he's thinking of spending the grant he got back for the uni trip instead of paying his brother back. He's running out of money and he'll pay his brother "later". (with what?)

:wall:

So looks like it's up to me to keep pulling the waggon forward...

Good dfw things

• charge phone in work
• B/L/D from stores
• Keep adding to shopping list
• Work some overtime
• Heating off as neither of us will be in

Not-so-good

• To be continued...

Have a good one all

clf x

its_maths_not_magic

Hi all, what a beautiful if chilly day...

Today Im:

* Here, getting motivated, learning more and feeling excited about having control over our money.
* Making food for the day, always yummier than anything I can buy
* Rugging up not turning the heat on
* Practising my guitar, geting back into drawing and writing, all things I love, all things that are free to do
* Meditating
* Working on my online business
* Organising my admin, being an adult and doing the boring but essential organising of a household

Have a great Tuesday everyone! :j

allydowd

Morning all, :wave:

Quick post. Trying to fit a lot into a very short time and fight off the lurgy.

The List:

Check online banking.

Help OH apply for two jobs.

Appreciate CDs I do own instead of buying more.

Check for incoming OnePoll credit. Still no.

OH forgot to change the bedlinen at the weekend. Economical!

Checked for TopCashBack payments. Nope.

Get OH to print my payslip at the library during course for free.

Watch the last episode of Poirot on STVPlayer instead of buying a DVD.

Clear emails to stay efficient.

Pick bits of tissues left in wash off socks :mad:, instead of binning them.

Check up on Nectar Points and do AdPoints.

Won a prize, a wonderful novel.

Started WTC claim form.

foxgloves

Morning all,
Gorgeous day here! Fresh, but bright & sunny & by 9.30, I'd gone completely off-list & was out in the garden with my spade!
Today's small money-saving things:
*Economy 7 tariff overnight: Washed final load for this week on 30 deg, & ran heated airer. Charged gadgets before tariff swapped over.
*Airer primed ready to go for tonight.....will only run on daytime rates if clothes are taking ages to dry.
*Shared bath water.
*No heating on at the moment.
*Turned down spare bedroom heating another notch.
*Entered a competition.
*Make dough for pizza tonight, plus rolls for rest of this week's packed lunches.
*Finish knitting Christmas present sock. This WILL be finished today as I'm sick of typing it! Am decreasing for toe, so another half hour should do it!
*Carried on clearing a big flower bed. Filled gaps with hollyhocks I sowed this Spring (free seed) & a plant I was given, so also free.
*Picked spicy salad leaves which stand quite well through the frost, so will keep going for a while yet. Also picked last of the radishes, a bunch of spring onions & a tiny courgette.
*Treated my boots with dubbin. They are looking a bit past their best now, but polish up well with dubbin & hopefully they'll see me through this season or at least to the sales. I totally LOVE boots.....must be strong.....
*Finished planning pre-Christmas family buffet & wrote a list for everyone so we all share the work/cost & we all know what we're doing!
*Do meal plans for the rest of November.
*Update budgets.
*Paid credit card bill in full.
*Parcel up old phone for recycling. They'll pay me £16-50 for it.
That'll do for today,
foxgloves x

mrsbarter2012

Hi everyone :wave:

Tuesdays is playgroup morning for me and DD. Unlimited coffee and biscuits for me and squash and fruit for DD. Lovely morning out for £1 per family. We love our local Childrens Center :j

Day two of the electricity challenge in our house. Hubby getting annoyed this morning as I keep turning everything off at the plug. Still he's b*ggered off to work now :T

Today I will be....

• Check ebay listings, 1 bid for 99p but its a start
• check freepostcodelottery
• No washing to be done today, just yesterdays still drying on indoor airer.
• meals from the cupboards
• Getting my hair cut and coloured later but my sister is doing it as part of her training so I only have to pay for the products.
• Write shopping list for tomorrow as going xmas shopping with Mum so want to know what I'm getting to avoid unnecessary spending!

Have a great day everyone x

foxgloves

carrielovesfanta - I do sympathise with you with your partner not yet being fully on board with the moneysaving. I definitely had my LBM before mr f & can remember working out budgets to the sound of yet more of his Amazon pre-orders plopping through he letterbox onto the doormat. He did get on board a few months later. What did it, was me adding up all the monthly payments we both made into paying off loans/cards & managing to work into a conversation just how much cool stuff we could do if we weren't servicing all this debt. He could also see my loans being snowballed & wanted in on the action. We then joined our finances together for much easier budgeting. I can well remember those early days tho, where like you, I'd feel I'd made a bit of progress while he'd been whopping something onto a card or whacking up his overdraft to 4 figures again. mr f used to have a different understanding of money to me. Even when I had lots of debt I saw 'my money' as the 'in credit' amount. It took me a while to grasp that mr f saw his money in terms of 'available funds' so if we were looking at a big purchase & he said 'I've got 4K', this would actually mean he'd got another 4K room to use on a card before his limit, which to me, is a different thing altogether. I'm really thankful that he soon did want to change too, as I could foresee a lot of arguments....we're both real drama queens too...... but it did used to get a bit sticky in those early days. Just thought I'd say I understand where you're coming from!
foxgloves

Pernicious

Hi everyone,

Thanks for starting us Ziggy.
Carrie - You have my sympathies as well, it's so frustrating when you feel you're finally moving forward for someone else to drag you back again. Hope you can talk some sense into him.

Today's plan:-

• Making use of free water at work
• Food from stores
• Staying in for my lunch break to avoid spending
• Dinner from meal plan - Satay chicken
• 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 as long as possible, fleecey dressing gowns on instead
• Go to Sainsbugs after work, small list as we're off on holiday on Saturday :j so need to stick to this list & use vouchers where possible, have brought my own bag
• Go to prepaid pole class afterwards
• Read gas & elec meters & submit readings
• Print out groupon at work
• See if my Dad did manage to fix my straighteners last night - after many, many years it appears my GHD's were on their way out, but hopefully it was just a loose connection which he's now sorted!

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

good_advice

mrsbarter2012 wrote: »

Hi everyone :wave:

Tuesdays is playgroup morning for me and DD. Unlimited coffee and biscuits for me and squash and fruit for DD. Lovely morning out for £1 per family. We love our local Childrens Center :j

Day two of the electricity challenge in our house. Hubby getting annoyed this morning as I keep turning everything off at the plug. Still he's b*ggered off to work now :T

Today I will be....

• Check ebay listings, 1 bid for 99p but its a start
• check freepostcodelottery
• No washing to be done today, just yesterdays still drying on indoor airer.
• meals from the cupboards
• Getting my hair cut and coloured later but my sister is doing it as part of her training so I only have to pay for the products.
• Write shopping list for tomorrow as going xmas shopping with Mum so want to know what I'm getting to avoid unnecessary spending!

Have a great day everyone x

Mrs Barter, stick with your challenge, silently pull the plugs when not in use.
I am playing switch off the stair light game as the evenings are now dark.
We all need to lower the fuel bill.

La_escocesa

Hi everyone :wave:

I’m hopefully getting made redundant at the end of the month and using the money to pay off a CC or two, move house and get a car (or pay deposit at least!). Start a new job in Dec so it couldn’t have worked out better.

Carrie – I hear ya! I think that’s one of the reasons this forum is so good. Even if you don’t have OH to talk to we’re here and probably have the same moans and groans

It’s maths not magic – have you signed up for the Oprah and Deepak meditation or the 21 days of gratitude one by any chance? I love the free online ones.

Here are things with me:

· Passed the bakery – had brekkie at home instead! :cool:
· Having a free cuppa – thanks to the person dishing out new tea bags at the train station
· Continuing with sorting out the house – hoping to sell v soon! :T
· Putting all pennies in the jar as we clear out – can’t believe how many 1ps are lying around!
· Looked out local Salvation Army place – have some toys I can take there for Xmas toys appeal
· Keeping up with having my beady eye on the energy owl…
· Sought out car deal – doing a PCP deal – looks like best option for us – also feel that I need a good reliable one for all my commuting/visiting elderly parents etc. Had ol’ bangers in the past and ended up still hiring cars for long journeys. Also like the deal as I don’t need to give away all of my redundancy payment in one go.
· Checked monthly train ticket price to new job – commuting before we move closer – will get tickets through Quidco for cashback – ticket is £330 a month so may as well get my 1-2% back!
· Got updated tax code confirmation – rebate for professional fees – that’s another £270 a year tax free :T
· Used a take home pay calculator to see what my pay rise will be
· Chased expenses and asked AMEX nicely to waive the late fee as expenses are approved and just some other politics about why they haven’t been paid yet… Not really my concern/my money but felt DFWish