Thursday 5th December - 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.

Going to make today count, so here goes on with today's little list:

Check Banks - Done
Check swapits - Done
General Tidy up - Done
Packed lunch for OH -& DS Done
Tea @mums - Done
Wrap Christmas pressies for mum - Done
Meals from stores - Done
Check www.freepostcodelottery.com - Done
Filing & Shredding - Done (am trying to sort as much as possible for recycling bins)
Catch up on e-mails - Done
Surveys -
Nectar Adpoints - Done
Enter a few comps - Done a few
List bits for sale/declutter - FB/Freegle etc - Keep relisting
Craft - lovely pic in progress - Christmas gift
Knit - in progress (must finish last few fiddly bits on this gift - should be able to post next week dnms)
Read Book (from library) - in progress
Update here - yaay

Have a good day, love to you all.

C x

ShootForTheMoon

Morning Gang!!

Ahhh, finally four days off for me - it's been another long week!!

Thanks for starting us lovely Ziggy :A x

Although the last couple of weeks haven't really been very money-saving for us (Christmas shopping, booking next year's holidays etc) it's been fantastic to see and feel the attitude change from previous years.
We've thought more about what each of our loved ones want and need and bought/made small gifts to reflect that - rather than flashing the cash on material objects that get stashed in a cupboard somewhere!!

We've also now paid for three lovely holidays next year in full - no debt, no last-minute panic about where the money is going to come from... So although this month is a little tight, we have a sense of pride in what we've achieved and how our mindset has changed over the last year. Something to celebrate!
:beer:

Anyway, back to reality...
Plans for today go something like:

Check banking - all fine

Make cottage pie for tonight - got boys from work coming round for dinner rather than spending the night at the pub!!

Hoover and dust around house, burn lovely candles for nice smell and warmth!

Hang Christmas lights around balcony - these will only go on when we're at home and are low-energy LED bulbs... A compromise with the OH!!

Pop to delivery office and pick up last package of presents!!

Finish wrapping Christmas presents - nearly done now!! :xmassmile

FaceTime little bro in London

Nectar Adpoints - doing pretty well with these - now up to £40 in points!!

Sew bed sheets up to make 4 simple bivvi bags for travelling - saving £30 on buying purpose-made ones!!

Start getting rucksack up together ready for travelling - needs an airing and freshen up before I pack!! Any tips ladies??

No Spend Day today!

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

good_advice

Morning all. Thursday the 5th December. Wish it was the 5th March and after the cold of winter.

This morning I have been on the computer checking all my emails and logging into them to keep up to date on surveys, trials and my post.

Quidco paid £1.37
Click snap 15p
did online focus group last night for £10
250 Nectar points credited and going into acount soon.

Checked postcode lottery
Checked bank and ok
read paper online

Washing dried overnight hanging up so need to put away.

Dinner - not decided yet. potatoes and fresh veg and something from freezer.

Have a tight wad money saving day everyone

foxgloves

Morning all!
Well, it's really blowing a gale here, so our cold house is feeling draughtier than usual. I've dug out my huge Peruvian cardi which is like wearing a carpet, am feeling personally very insulated at least!
Today's few bits & bobs of money-saving:
-Ran heated airer overnight on Economy 7. Everything dry.
-Did the ironing & switched off for final item. Also tried folding a sheet, putting it over the ironing board & ironing smaller things on top of it. It kind of worked as the sheet got more or less ironed for free.
-Heating off until 5.30pm.
-Shared bath water.
-'Shopped' from freezer for next week's meal plans - I need to free up space for my Christmas baking, so doubly useful.
-Meals as per meal plans - home made lentil dhal with rice & salad.
-Did a few surveys.
-Checked bank account to see if mr f's £50 Ugov survey money has been paid. Yes it has!
-Rounded up spare change & added it to our Big Money Jar.
-Will continue Christmas gift sorting & wrapping. Am making good use of my stash of recycled ribbons/bows, home-made gift tags & last year's paper.
-Free entertainment today. Found a stash of compilation CDs made either by me or for me. No recollection of what's on them, so intend to start finding out!
Well, the gales are pretty bad here & I know they are supposed to be a lot worse further North & up into Scotland, so take care, everyone, & try to stay warm, without letting those corrupt energy companies have TOO much of your hard earned cashola.
Big love,
foxgloves x
shootforthemoon - have just dealt with frowsty insides of picnic rucksack with bicarb of soda. I just recycled a small plastic pot by piercing the lid a few times, filled it with bicarb of soda & stood it in the bottom of the rucksack. If it was a general rucksack & not for food, I'd have given it a quick spritz with an Avon room & linen spray, which are good for this sort of thing, seem to come in nicer fragrances than many of these chemically products & can generally be picked up on offer for 99p. Another thought, if you could turn it inside out, could you peg it outside on the line? It's so windy, that should blow any gunky niffs away?
f x

Maz6

Just a couple of things for me today

- lunch from stores
-Checked bank
- Dinner at home (we were going to eat out)

Going to a gig tonight and the tickets have already been paid for so aiming for a no spend day.

Have a good one all.

Pernicious

Hi everyone,

Thanks for starting us Ziggy.

Quick post from me today as my lunch break is about to end!

Today's plan:-

• Making use of free water at work
• Food from stores
• Dinner from meal plan - Bangers, mash & veg
• Check birthday bingo
• Charging phone at work
• Check online banking
• Enter some comps
• Do some surveys
• Declutter & flylady
• Heating on low, fleecey dressing gowns on
• Decide last few xmas gifts to buy & work out how much money is left to put towards debt
• Start writing xmas cards so I can use 2nd class stamps
• Debate applying for another job (less money, more interesting work though)
• Pick up parcel on way home after work to save petrol
• Exchanged faulty gloves & attempted to resolve NL refund problem, but have to go back tomorrow with a bank statement... :mad:

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

ShootForTheMoon

Foxgloves, you're such a superstar!! Thanks! Xxx

LoveaDove

Hello everyone, :santa2:

Thank you Ziggy for setting the ball rolling!

This is my first daily DFW post, I really need some focus today so here gooooes:

• [STRIKE]Check Online Banking.[/STRIKE]
• [STRIKE]Collect Some Nectar Adpoints to Help Round My Nectar Points balance Back Up to £5.[/STRIKE]
• [STRIKE]Partake in an Exercise DVD instead of Going For a Run as the Weather is So Grim Today.[/STRIKE]
• [STRIKE]Handmake Some Christmas Cards.[/STRIKE]
• Continue Working on Handmade Gifts For Christmas. - This will roll over for tomorrow (too sleepy now)
• Give the House a Quick Tidy. - This will also have to roll over, got a bit too carried away with my cards and associated paints!
• [STRIKE]Put Washing on 30 and Try and Blast Some Moisture From the Washing in the Gales Outside...Not sure how successful that will be.[/STRIKE] Not very!
• [STRIKE]All meals from Stores.[/STRIKE]
• [STRIKE]Try not to blow away![/STRIKE] - Success!

its_maths_not_magic

Evening all, its more of a case what I did today rather than what I will be doing, .

Today I:

1. Came here, kept my game face on.
2. Worked out my budget to the penny for tomorrow.
3. Ordered my shopping via click and collect, means only one trip into town this week.
3. Getting my debts organised.
4. Made all food for today.
5. Getting the admin organised on my online business.
6. Got a really interesting science doco downloaded from youtube, Im such a geek .
7. Walked the puppy through the forrest today.
8. Practised guitar.
9. Meditated.
10. Practised mindfulness, especially mindful eating.
11. Take good care of my teeth by brushing for 2 mins, flossing and listerineing twice a day.
12.Looking up how to use google calendar as a goal setting and achievement tool.
13. Used lemon and sugar as a facial scrub.
14. Tidied up.
15. Had a no spend day.

I think thats about all. Have a great night everyone.

BlueSky1

'Look after the pennies and the pounds look after themselves'

I buy what's on offer at the supermarket rather than what I fancy
I go to different supermarkets for different things - they all have their own better priced stuff
I put the washer on at night and 'dangle' them to dry overnight (the house looks like a Chinese laundry!)
I buy what food I need to eat so that we throw hardly anything away

Lots of little changes add up to more money in your pocket - to pay off debts or to spend on things that are nice.

Look after those pennies...