Wednesday 27th November - 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:

ziggy2407

Good Morning My Lovelies

Hi to all of the regulars and a BIG welcome to all the newbies, this is a really FAB thread with so many lovely, caring, considerate and supportive people.

Quiet day here, so today's little list:

Check Banks - Done
Check swapits - Done
General Tidy up - Done
Packed lunch for OH -& DS Done
Foot training with DS -
Meals from stores -
Check www.freepostcodelottery.com -
Filing & Shredding -
Catch up on e-mails -
Surveys -
Nectar Adpoints -
Enter a few comps -
List bits for sale/declutter - FB/Freegle etc - Keep relisting
Craft -
Knit - in progress
Read Book (from library) - in progress
Update here -

Have a good day, love to you all.

C x

ziggy2407

just wondering where everyone is? Is there a secret party I dont know about

foxgloves

Secret party? Ooooh, where?
Can't really call this an MSE day as it's vet day for cat, which means settling the 3rd of our big unplanned bills this month. Haven't heard how he's getting on, yet. OK, I hope.
Today's small things:
-Got £41's worth of free food by using Sainsbo's nectar points & Co-op dividend points to stock up on festive provisions.
-Coffee & scone in cafe courtesy of my Mum :-)
-Do rubber ham to use up the hock I cooked on Mon.
-Make stock using ham bone & a tub of bits I've been saving.
-Make tomorrow's packed lunch.
-Mr f making cauliflower cheese tonight to use up mad amount of cauli I cooked last night.
-Step up mouse catching strategy as he's now helped himself to pasta & oats. Lots of food in the pantry this time of year, which has not been bought to feed the local rodent population!
-Write more Christmas cards, as I will be seeing people from this weekend. I'd normally post them all, as I know I love to get post, but at 50p per card 2nd class postage, I'm only posting those where I have no other option. My personal view is that ecards just don't feel the same......plus, you can't use them for craft afterwards.
-Laundry done overnight on Economy 7, 30 deg, scroogey powder. Will go on heated airer when cheaper tariff kicks in again.
-No heating on at the moment.
Ziggy - everyone either v busy, v fed up or you & I have turned into a couple of billy no-mates, lol xx
F

ShootForTheMoon

Hello lovelies!!

You're not alone guys... Just had a busy morning in work!
Thanks for the starter Ziggy!!

So, today has/will involve:

Submitted all overtime owed to me from last few weeks!

Checked online banking

Ordered OH's camera for Christmas in the Amazon Black Friday sale (thanks for the heads up Ally!!)

Took drink and breakfast to work - avoided mandatory bacon roll stop whilst out and about!

Nectar Adpoints - in progress

Finalise banking ready for payday tomorrow! :j

Booked Dr's appointment I have been putting off for FAR too long... Need to get allergy tested as I'm convinced egg does funny things to me!

Heating off at home - jumpers on!

Go for a run with OH when she gets home from work - winter blues are starting to kick in, and need to be addressed right NOW!

Dinner from meal plan - jacket spuds - cheap and cheerful


Think that's about it for now!! Hope everyone is having a great day xxx

cats2013

Hi Id thought id try and tag along!

I want to pay off the debts and as I work full time and am a student part time even more reason.

Any tips or motivation I really need it.

So today I have

:)Payday so made payments to debt. currently now owe 10,345.
:)Opened up a Metro bank - free drink of water, lolly £3 credit and sandwich toaster for opening! Plus put in £20 worth of change in their machine put in!

:(Spent £3 on a tesco lunch deal - was out much longer expected
:)Picked up items for OH and for a £5 gift voucher as apologies for an order error they made
:)Picked up Co-Op loyalty card. Can use my NUS card for discount in their shop with it when I go uni.
:)Bonus Nectar points collecting from leaflet through the door - save for xmas.
:)Going to be at home throughout the holidays - lots of heating on:( so getting the washing dried on radiators.

Cats x

emmi_bush

Spent most of the day at home but went out to pick little one up from school.

- handmade Christmas cards ready to send (found a load of stamps so don't need to buy any!)
- food from what's in stock
- cut out material for more handmade presents
- radiator only on in the room I'm in
- surveys and reviews done
- free activities with little one after school

its_maths_not_magic

Happy Wednesday peoples .

I was hoping to make it a no spend day, but Mr MNM needed some dental work. And we ran out of bread, eggs and tomatos so there went that. However, I've still:

1. Checked my bank statement against my expense manager app and all is good. I've been working out how to get the most out of it, which as it turns out, is quite a bit.
2. Made all food from scratch, except some dove cake bars...very yummy.
3. Practised guitar.
4. Meditated.
5. Took the pooch for a walk in the forrest.
6. Organsied Christmas dinner - turns out our local pub can do it better and cheaper than we can! All that and NO washing up.
7. Organised our grocery shopping for Friday. We're even able to click and collect with ASDA, saving us the petrol for a second trip into town on Saturday.
8. Got some brand new TV to watch tonight.
9. Came here to motivate myself and remind myself WHY saving money is important. And it really, really is important. Especially if you like shelter, clothes and food.

Enjoy your afternoon, peace all.