Monday 4th Aug - What small DFW things will you be doing today?

determined_new_ms

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:

Morning Beautiful day here in Kent :T & I have the day off :T Went away to a festival over the weekend in Derbyshire which was a lot of fun

Things to do today:

* [STRIKE]checked banking - dd's childcare money went in so sent it over to savings account so I don't get confused![/STRIKE]
*[STRIKE] texted CM about discussing placement[/STRIKE]
* [STRIKE]load of washing & line dry - thank you for the stains tip foxgloves which I saw on FB. DGD's clothes are always stained![/STRIKE]
* make risotto using lo chicken & spinach
* [STRIKE]look for some recipes to use up mountains of veg in the fridge (am getting a veg box from work, but there are loads!)[/STRIKE] going to make HM pizza's for lunches tomorrow, dahl, & a veg curry
* [STRIKE]text ex-mil to see if we can pop round there for a coffee late morning[/STRIKE]
* pick blackberries in garden & decide what to do with them
* [STRIKE]sort out cc statement for the month[/STRIKE]
*[STRIKE] work out finances between oh/me/joint account so we can get straight![/STRIKE]
* [STRIKE]maybe sort out a meal plan[/STRIKE]
* really want to silicone the bathroom today!
* some form of exercise at some point
* do a energy supplier search

Ok think that will more than keep me busy! Have a great day x

allydowd

Morning DFW-Jedis,

Thanks for the starter DeterminedNewMS. So having finished my Masterplan For World Domination last week this week is relaxation.


The List


:starmod: Check online banking. Done.

:starmod: Do Nectar AdPoints. None available.

:starmod: Do i-Say surveys. None available.

:starmod: Look at next knitting project.

:starmod: Look on eBid for things for my OHs mini-Christmas. Sorry! Got some ideas for some things I can make for my OH.

:starmod: Entertainment will be looking through old photo CDs on the tv. Done.

:starmod: Turn iron off for last garment and use the free residential heat. Done.

:starmod: Co-Op Energy have agreed to refund £140 of the credit I have built up in my Elec/Gas account and to reduce my Direct Debit by £12 as I'm paying too much. I will increase the DD again in the Winter.

:starmod: Have a look at the official MSE Twitter feed. @MartinSLewis Done.

:starmod: Spend £2 Amazon Local voucher. I'd actually forgotten I had this as I was given it automatically when I bought something else. You can check if you have any forgotten ones by going to this link: (Link) Done.

:starmod: Check for unused Amazon gift cards by signing into https://www.Amazon.co.uk > Your Account > Your Account > View Gift Card Balance. Amazon have the habit of applying freebies and not telling you. Done, 99p to spend.

:starmod: Cleared the Cookies off my computer so it doesn't target advertising at me on the basis of what items I've previously looked at buying. Note that if you delete all cookies using this quick method you will also remove any useful ones you've saved such as if you use a weather site it will forget which town's you have saved for quick reference:

If you have Chrome you can delete all cookies by: Clicking the three horizontal lines at the top of your Chrome browser screen>Tool>Clear browsing data>Tick the Cookies box>Clear Browsing Data.
If you have Firefox you can delete all cookies by: Clicking on the three horizontal lines at the top of your Firefox browser screen>Follow these instructions to delete all cookies (Link)
If you have Internet Explorer you can delete all cookies by: following these instructions: (Link)



Well that's me for today. Good luck on your quests, Jedis.


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 Abbreviations Explained ( 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 )

Offers:

:starmod: Three Co-operative Truly Irresistible Mature Cheddar Cheese (340g) packs for £4.50. (Link)

Freebies:

:starmod: Asda are giving away free goody bags for your cat or dog, including a free pouch of pet food. They're giving away 80 per store from the Asda Pharmacy counter. No purchase necessary.

:starmod: Free Amazon e-book "Now and Then" by Brenda Rothert. Romance. (Link)

allydowd

determined_new_ms wrote: »

* do a energy supplier search

I switched to the Co-Op for gas and electricity. (Link) So far they've been excellent for customer service, and the price is good too, unlike nPower who were a total nightmare. With the Co-Op my bill was a day late in arriving so I phoned them and customer services made the bill appear on my internet account instantly after a two minute phone call. I was impressed.

Have you seen the MSE guide to switching suppliers? (Link)

carrielovesfanta

Morning folks,

Thanks to DNMS for starting us off.
Ally - have a nice relax

Very naughty start today. I had to bin some veg that has gone off. Combination of not being organised, not being home and working too many late nights. (D minus - must do better.)

Quick post from me cos am technically working right now

• B/L/D from stores
• Birthday cakes in office, nom nom
• Check online banking and reconcile to spreadsheet (trying to get back into the habit...)
• Overtime
• Crochet 1 square of throw
• Put away items wombled from friend's house on Saturday (she is moving away so won't need them)
• Decide on best use of swiss chard before that goes off too.

Sure there is more but that will have to do!

Have a good one all

clf x

ellesbellesxxx

Hi
Hope you all had a fab weekend!
Today:
Pay 100 off CC from wages
Earn 50 for extra work today
clean
ironing
A few one offs to pay for today :S so not great spending wise - wedding for example really is a one off!
Dinner from stores Only buy broccoli to go in pasta bake
go to library!


Hope you all have a fab day x

Tiggy10

Morning all!
Thanks for starting DNMS.
Well done on the CC payment ellesbells.

Carrielovesfanta - I did have a little laugh at your grade! I wouldn't say it was that low if its just veg. Ive watched in despair at MIL house - she buys expensive meat, veg, condiments etc. But shes such a social butterfly she eats out and it all goes to waste.

So my list for today:
-utilise the Mr.t vouchers that have arrived in the post.
- check banking
- list old chest of drawers on FB selling site to make space and replace the money for my new ones.
- something from home for dinner (?)


Not much for today, had a bit of a bug yesterday and feeling drained today. Ironic really considering during term time Im surrounded by 30 4-5 year olds in their first year exposed to germs and I haven't had a day off work *touch wood* in my teaching career.
I have a week away from them and I get ill! haha

cocoloco

Afternoon All! Better later than never...

Thank you for starting us off DNMS- hope are doing well in your new job, missing your lists in mornings- always wonder how you manage doing so much, especially with looking after DGD?

Ally & Solverncyseeker- have a nice week off, sure it's well deserved!

Manic weekend here:eek:, work, getting mattress home & upstairs, cleaning & tidying - getting house ready for visitors. I was really in a faul mode over the weekend- took all my free time to clean, tidy & re-organise for in-laws staying with us for a couple of nights before we go to Donegal (we have to drive both cars!!!:eek:) plus we had terrential rain all day Saturday & got soaked a couple, grumble - grumble.:mad:

Back to my normal work today, some sort of a normality returnes. Too bad when I get home the in-laws will be there- can you tell I'm not a fan of my in-laws?;) Tonigh we will have chinese take-away- I hope they pay, if not I will only pay for ours. This whole week already costs a fortune and I'm already !!!!ed off. Sorry about venting! :mad:

My list for today:

:starmod:Get reduced bread oout of freezer- saving a few pennies.

:starmod:Researched best euro exchange rates locally- the cheque centre still the best value- 250 euro = £201.86 . I'm glad euro exchange rate is on the up again, at one stage it was same for same!

That's me for now, I will keep reading everybodies posts. Now I just have to try to put my 'pleasant face':) on for the in-laws. Bah - humbag!

allydowd

cocoloco wrote: »

:starmod:Researched best euro exchange rates locally- the cheque centre still the best value- 250 euro = £201.86 . I'm glad euro exchange rate is on the up again, at one stage it was same for same!

Have you seen this MSE page? (Link) It's offering up to £209.00.

ziggy2407

Good Afternoon All

dnms - 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.

A lovely day here, today I hope to achieve a few more bits from my weekly list, really need to crack on as we are away Friday night (2 weeks in Devon, taking our own caravan):

Packed lunch for DH - Done
Washing in & line dry - Done
Filing & Shredding -
Check Banks - Done
Check swapits - Done
Nectar Adpoints -
Sort emails (& unsubscribe where possible) -
All meals from cupboards/fridge/freezer -
Re-list bits for sale - Done
Read book (from stash) -
Craft -
Check www.freepostcodelottery.com -


Have a great day, love you all xx

C xx

Bagpuss741

Today I have/will:

1, Checked online banking
2, Surveys
3, Meals from stores
4, Bought cat food in pound shop (3 tins for £1)
5, Went to Cardiff and stuck to budget
6, Updated passbook for christmas savings (have £155:))
7, Read free kindle book
8, Received first copy of my red subscription so will read that
9, Picked up free sample of face cream from Aveda (will add to sample bag)

Rubyblossom

Hi, I am new here, I registered a few years ago, but barely been here. Anyway basically had a lightbulb moment over the last week, with regards to how badly I am in debt. So bad this week I needed to borrow money off my Dad to make up my rent. Because of my personal circumstances and a condition that makes me tired, I can't just sit down in one go and look at my finances and get a clear picture, it will take me a few evenings, probably end of the week.

The good news is since Friday I have been careful with my money. So my things I did today was:-
Used leftovers from last night for tea tonight.
Day 3 being Diet Coke free; I was drinking between 2-3 litres a day!
Switched the tv off instead of having it on in the background with no-one watching.
When took kids to park for free this afternoon, left purse at home.

Left it at that for now, I am still getting my head around all this and want to
Be Debt Free, so hopefully will get plenty of ideas here.