Saturday 1st & Sunday 2nd Nov. what small debt free things will you do?

Bobarella

Hello All
Starting the thread off...
Sorry but I can't copy the preamble we usually have on a mobile but to paraphrase...

When we start our DFW journies it is easy to make huge progress, cancelling the Sky subscription, cutting up the credit cards but this thread is about what small things you will do today to ensure you stay on the DFW path.
This is a lovely thread full of supportive people who love to hear each others DF efforts. Come and join in!

Bobarella

Hi All
Up early and realised I am guilty of always waiting for someone else to start the thread so I am!

Today we will be going to a free local family fun day that promises balloons, board games & colouring in. All high on your wish list if you are 5
I am trying to stick to a shopping budget of £40 per week. I have managed that religiously but last week went £20 over. I put this down to reaching the stage of running out of several condiments in the same week. Amazing how the things that you only use a dab of per meal but that make it even nicer really add up. This week I have £9 left for today and tommorow which is great. I plan to buy a pack of mince for £2 pad it out with breadcrumbs and veg then use half for a lasagne tonight and half for a chilli tommorow. With that as my meal plan I will only need a can of red kidney beans, some chopped toms, cheese, salad leaves & some cheap garlic bread and we shall eat like kings for 2 days.
Later will be taking son to a birthday party. I will give the birthday girl a card from the draw, & wrap a gift from my stash in pre loved paper. I used to spend around £10 per kids party till I wised up to the 25p cards that sainsburys do & started stocking a gifts draw. I found a make your own kite set for 24p in the mark down section of sainsburys. And anyone who only uses wrapping paper once is a fool!
Will use up the floor money at the self service check out as don't see any point in saving small amounts around the house. Make your money work for you I say.
right think that's me.
bob

MinnieMousesMummy

Good morning, Thanks for starting the thread Bobarella.

My list for today:
Feed the animals and collect eggs
Revise for assessment that I have on Monday
Submit work to freelance client
Check online banking
Sort road tax for DH's car
Spend half an hour looking for vouchers
Spend half an hour looking for freelance work
Post on fb work page
Find magazines that I got from freecycle and have HHme time reading
Spend an hour revising for assessment that I have on Thursday
Get rid of 100 emails from inbox
Look into hampers for Christmas (need to get organised as I believe it is only about 59 days)
Phone my mum using free minutes
Write 2 posts for my blog
Sort out mystery shopping account, not used it for a while
Find meal planning folder and make shopping list for this week
Do college homework for next week (or at least make a start)

Well I best make a start, as its going to be a busy day.

kjp

Morning!

Daily lurker and occasional poster, thanks for starting us off Bob!

Today I will
Food from stores, except dinner which housemate is cooking so small contribution to that-hopefully will be cheaper than a takeaway!
Sort out fridge shelf
Clean bathrooms (have chucked bleach down the loos already!)
One load of washing on ATM, take advantage of sunny day to dry on the line rather than the tumble dryer
Pop into town to pick up train tickets, avoid the shops, need nothing!
Revision
List a few things on Ebay tomorrow night
Vacuum house

Mostly things to distract myself from spending and distract myself from revision!

Have lovely days everyone x

phoenixx

Here goes November - thanks for starting the thread Bobarella.

Today:
Claim expenses from 2 days work in London.
Wash 2 loads and iron school uniform.
Plan meals for next week - have taken out petrol money and food for the week.
Clear one bag of rubbish from the dining room that has become dumping ground.
Put clothes away.
Order charity Christmas cards.
Check bank account.
Plan week and update diary.
Look into Maths papers on laptop for DD2.
Organise birthday gift for friend.

Have a good day everyone. It's threatening to rain here so indoor drying of washing.

:T

mylastpound

Went to Lloyds to close down 2 dormant accounts which had £4.10 credit and to also close down the credit card I paid off in full last week. They even offered me a 0% balance transfer cc . But I said I don't need one, I don't have any debt to transfer now . Happy days.

Bobarella

Well a little update. After I went shopping I popped into Next as it's my husbands birthday this month and he's been after a new pair of jeans. We've been looking out in charity shops but no luck in his exact size. Anyway. I got him to try on a few pairs in Next. Long story short using a Next online voucher which they gave us in store we can go home and order the pair of jeans that are £25 in store for only £15 as you get £10 off using the voucher. Also, once we set that order up and pay for it we can get a further £20 off on another order. I could really do with some new basics long sleeved t shirts as I wear mine to death so will be using the credit for that. I thought it worth sharing in case anyone else has birthdays coming up or Xmas gifts in mind.

and on that note if you sign up for a toys r us card this month which is just like a loyalty card not a store card, you are able to earn £75 cash back (in store vouchers) on only £100 spent. Obviously you have to spend money to get the vouchers but if you are planning to buy your children's main present in TRUS anyway it might be worth while having.

spot3

well, my card got cloned on Thursday and thankfully the bank spotted it and called me, card is cancelled so a no spend day today was easy....

I've also sorted through my toiletries and now have a box of little bottles of shampoo and conditioner etc (part used travel sizes etc) that were filling the cupboard. I'll use these before I buy any more.

I'm using a free trial on Audible to listen to a book I wanted to listen to rather than buy it. I've put a note in my diary to cancel the membership.

twiggy86

Today I have/will:
1. Emptied my car of car kill (money found in my car courtesy of my oh always losing money out of his pockets!) this did involve a lollipop stick to get it from the gaps! Total £4.59
2. Paid money in at the bank
3. Done 4 loads of washing (all on quick washes) and hung on line
4. Done weekly food shop - however spent more than I would have liked as I strayed off my list!
5. Hoovered lounge, hall and stairs
6. Tomorrow I must get round to cleaning the bathroom as friend popped round today so got side tracked!
7. Going to parents tomorrow to use computer - paid money into my B account which I rarely use but the bank was closer and can't transfer on my phone so that I can put it into the relevant pot
8. Need to do more surveys/earn more SBs

Hope everyone's has a lovely, MS weekend!

DawnW

Hello :wave:

Thanks for starting the thread Bobarella

Today I have:
Got paid for my sales and paid next months rent for my sales unit
Hoovered through downstairs due to moulting dog and rampant spiders :eek:
Made a nice leek and potato soup that isn't full of cream - googled 'leek and potato soup no cream' and up it came

DD and her OH and baby came for (early due to baby's bedtime) dinner, so I made potato, leek and cheese bake, which we had with baked beans and sausages for those who wanted them. Also made plum crumble which we had with a dollop of Greek yogurt (yum)

You will see there is a bit of a leek theme here - we had to dig up quite a few to make space for the fruit trees we planted yesterday, so I wanted to use them up while they were nice and fresh

I had a no spend day

Have a nice evening everyone

Ratison

Hello all, I love reading all your contributions and getting ideas.

Today I've:

Had family over for a Halloween party and stuck to my strict shopping list. Normally I overcater but I was far more sensible today, and any leftovers will do me during the week.

Did my washing and got it on the line early.

Did a bit of garden tidying.

Took my dog for a lovely long walk - both had a nap when we got home!

I went to check my bank balance online but nothing is showing up yet despite it being the 1st. Annoyed because I really want to know what I've got left, though thanks to my budgeting app I have a good idea of what I can spend.

Nothing planned for tomorrow so it will be a no spend day. My favourite type of day!