Wednesday 16th July 2014 - What small DFW things will you do today?

allydowd

When we start out on the DFW 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 .

So be proud of those small steps, they really are important. :money:

MONEY MAKING AND SAVING SITES AS OFTEN MENTIONED IN THIS FORUM:

• A Girl Called Jack, cheap recipes ( Link )
• Benefits check-up ( Link )
• Birthday Bingo, daily free game ( Link )
  
• eBid ( Link )
  
• Freecycle ( Link )
• Free Postcode Lottery (Link)
• FreeStuff ( Link )
• FreeUKStuff ( Link )
• i-Say Surveys (Link)
• List of online newspapers. At bottom of the linked page. ( Link )
• MSE Boost Your Income page. Gateway to lots of money-making links. ( Link )
• MSE Deals and Vouchers ( Link )
• MSE Wow Offers ( Link )
• My Supermarket ( Link )
• Nectar Points, AdPoints, Search Toolbar ( Link )
• OnePoll ( Link )
• Quidco ( Link )
• Reclaim PPI at no cost to yourself ( Link )
• SayNoTo0870 cheap phone number finder ( Link )
  
• Survey sites that pay for your opinions ( Link )
• Swagbucks ( Link )
• Swapit ( Link )
• Tesco Clubcard Free Movies and TV Shows Online ( Link )
  
• Toluna ( Link )
  
• TopCashBack ( Link )

allydowd

Sunshine22:

I responded to your question from yesterday here. (Link)

allydowd

Morning DFW-Jedis,

Day two of being "between employment contracts". So today I have to go back to the garage and get the repairs done to our car. This is bad for two reasons. (a) the £250 bill (b) we have torrential rain and I have to either walk 7 miles home and then back later or wait at a bus stop with no shelter twice.

Today I shall be:

:DHaving home-made pancakes for lunch.

:DEarning Nectar AdPoints

:DCheck my online banking.

:DWashing is out to dry on the whirligig if it ever stops raining.

:DEating homegrown mini salad leaves and potatoes.

:DDoing i-Say surveys.

:DBuying petrol at BP to get Nectar points.

:DEnjoy 'free' flowers growing in our garden..

:DCheck how many Tesco Clubcard points I have.

:DCheck how many Nectar Points I have.

Also a fortnight ago I found brand new t-shirt in a bag with a credit card receipt. Called store to report finding and ask them to trace purchaser. Purchaser was known to staff member and was duly contacted. Purchaser contacted me and told me to keep it. Bless you, Sir, I need all the clothes I can get!

mooomin

Morning

My list is:

[STRIKE]Banking
Claim work expenses[/STRIKE]
Update YNAB
Charge phone at work
Charge iPod at work
Take part in experiment for cash (Not medical, don't worry!)
[STRIKE]Packed lunch
Dinner from freezer[/STRIKE] Something red, so it's chilli or pasta sauce!
Walk four miles
Cinema after work - free due to Unlimited card

MinnieMousesMummy

Good morning everyone, It’s a bit of a damp day here today. Unfortunately today is not going to be a no spend day, as I need to go into town to get the last of the paperwork that is needed for the bank.

Ally – Thanks for starting the thread off this morning

My list for today:

• Have a look at a girl called jack website – Thanks Ally for the link
• Check birthday bingo
• Check free postcode lottery
• Get a quick shower
• Check out boost income page – Thanks Ally for the link
• Nectar adpoints
• All meals from stores
• Get copy of marriage certificate needed for the bank
• Send all paperwork to the bank
• Do mystery shop work that is in for today
• Check online banking
• Make a start on ironing for clients
• Check through the csa form and give them a call
• Work at p.t job 6-11
• Do freelance work that is in for today
• Sort out arrangements for family weekend
• Do some maths course work
• Do some English course work
• Spend an hour looking for freelance work
• Sort through and schedule biology course work so that I can get it all completed in time
• Sort through and schedule chemistry course work so that I can get it all completed in time
• Read some of work related book

I think that is everything that I need to get done today, Its going to be a very busy day so I best make a start. Hope everyone has a good Wednesday x

foxgloves

Morning,
Today's offerings:
*Saved a bit of energy by sharing bath water, switching off iron for final garment & leaving hair to dry naturally (going for the wild look today!)
*Pulled 1.5lbs rhubarb & stewed it as we're getting a bit low on fruit.
*Pick lettuce & a few shallots, courgettes for using in the 'sort of' kedgeree I'm making tonight.
*Make tomorrow's packed lunch & work snacks.
*mr f forgot his lunch today but is calling back on route to his next meeting to collect it rather than buying a sandwich.
*Did a very few surveys.
*Watered veggie garden & will feed plants later when less danger of scorching the leaves - it's a really hot day here.
*Too hot to do much else, so will finish library book & crack on with knitting current item for the present box.
*Feel too hot to walk anywhere, haven't got the car & don't fancy sitting on the bus, so that's an NSD at any rate.
Cheers,
f x

gemnomnom

Hello all,

Today I have:
* Wrote to Parking Services, asked for mitigating circumstances, let them know about only receiving the email decision now & asked for next steps
* Updated CV, wrote list of experiences to remember to talk about at next interview
* Emailed new employer about still not receiving contract in the post. Apparently all is progressing well but a replacement may need to be sent out
* Wrote a superb (if I say so myself) letter to Just Eat to complain & ask for compensation

Today I will:
* Update V5 address
* Re-contact the police re burglar
* Fill out working tax credit form
* Write a complaint about Yorkshire Water
* Do an electric meter reading
* Use up fridge leftovers
* Hoover & sweep
* Write a complaint about Yorkshire Water
* Check last couple of mobile phone bills
* Ring Sky & get wrong direct debit refunded

Have a good one

ziggy2407

Good Morning All

ally - Thanks for starting us off today

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.

Feeling really "down" today so not much planned or needed, so will try and get out in sunshine to lift spirits, my little list:


Packed lunches for DH & DS - Done
Check Banks - Done
Check swapits - Done
Washed coats & hung on line to dry - Done
Clean patio doors - Done
Re-list bits for sale - Done
Read library book -
Check www.freepostcodelottery.com - Done


Have a great day, love you all xx

C xx

allydowd

gemnomnom wrote: »

* Ring Sky & get wrong direct debit refunded

If Sky are unhelpful your bank also joint liability to refund you. Give them a call and ask for a Direct Debit Indemnity Claim to be made.

Sunshine22_2

Good morning all

Ally & everyone, thank you for responses and thoughts on yesterdays questions, have spent about an hour poking around the internet after your suggestions!!

Definitely feeling blessed today that I am no longer in a situation where I don't answer the door for fear of bailiffs, and going without electricity for 4 days as the prepaid meter has run out of electric and I have run out of money until pay day! I'm ashamed that it can be so easy to forget these things, however, feeling a bit better than my cheap (-er than usual) grocery shop has turned up and the cupboards are stocked again.

Today:
* [STRIKE]Put shop away and clear food that is off[/STRIKE] - very happy I threw nothing away this week except two slices of bread which a very happy blackbird is currently munching through!
* Couple of economy loads of washing and brave putting them on the line to dry
* Cook up a load of bolognese / chilli for work lunches and freeze (anything to avoid temptation of the £4 :eek: meal deal at work!)
* Clean the[STRIKE] kitchen[/STRIKE], bathroom, bedroom 1 & office with some of the many many many cleaning products currently possessed!
* NSD? Need to locate a 70th Birthday card for my dad but can't be bothered to leave the house... I am an amazing daughter :rotfl:
* Look at bank, don't cry, do some serious budgeting for month - am paying off full amounts on credit before I get back to my old ways (currently about £200 on a couple of accounts but it's a downhill slide)

On a very non-MSE note, tv rattling in the background as I type and someone has just spent £500 on their grocery shopping at Harvey Nicks!!!!!

Have a good day all
Sx

allydowd

Sunshine22 wrote: »

* [STRIKE]Put shop away and clear food that is off[/STRIKE] - very happy I threw nothing away this week except two slices of bread which a very happy blackbird is currently munching through!

That's brilliant! How about these ideas for using up leftover bread? (Link)