Wednesday 14th - what small DFW will you do today?

Bobarella

When we start our debt free journey we do all the big things. Cut up the credit cards. Cancel the sky subscriptions. But this thread is about what small things you plan to do to help pay down the pounds.

Bobarella

Good morning all

I'm the earliest bird today cluck!!

My small things for today.
1. Checked banking.
2. Uploaded 2 reciepts to Checkoutsmart to claim my free penny per reciept and entry to the £100 shopping spree!
3. Meal planned the day.
4. Logging NSD 6 Of 18
5. My husband has just found out from school that he could ride our son in, in the mornings then leave the bike there. I could walk over and cycle us both home. No more crazy bike pushing from tommorow!
6. Put £5 on my oyster yesterday but haven't touched it. Don't plan to get the bus again this week so that's my small saving of £1.50 per day still ready to use next week.
7. Will take some Amazon trade in books to the post office today. Should be getting a gift card for £18 at some point.
8. Checked our electric and gas bill for Jan. Says £76. This is interesting as we have the heating on for 3 hours per day. We found out last month we had a £300 deficit due to poor practise at First Utilities end. We had to up our DD to £130 a month. So if that's how much we are spending we ought to get clear of the deficit very quickly.
9. I am doing an online focus group tonight run by my business energy provider paying me £50 straight to my paypal. I am delighted as that will pay for food shopping till the end of the month if I'm careful.
10. Picked up an extra shift this weekend which is worth £60.

When my OH gets paid on the 30th we should have £136 extra from the council tax payment not going out (we pay over 10 months) & £92 as our life insurance/critical illness cover doesn't need paying as we've moved it to another provider & the premium isn't due till end of Feb. So that's quite a lot to play with.
I think I will use some to pay for our home contents annually instead of monthly. That will save us a bit. Plus I will use a cash back site to make more.
The rest should be available for extra debt payment. Or do I use it to beef up my emergency fund?
I know Dave Ramsey says get your EF in place ASAP doesn't he. Maria any thoughts??

Hope you are feeling better Little Pink Purse, & taking it slowly Ziggy.

bob

twiggy86

Morning all!

Today I have/will:-
* Check banks DONE - BALANCE TRANSFER HAS GONE THROUGH SO NEED TO UPDATE MY SPREADSHEET TO SPLIT IT OUT.
* Check OVO statement DONE - OUCH! WENT SLIGHTLY OVER DD AMOUNT (£4) BUT THERE'S STILL OVER £100 BUFFER IN THERE. GUESS IT EVENS OUT WITH THE PETROL I DIDNT USE GETTING TO AND FROM WORK (ONLY PUT £25 IN SO FAR THIS MONTH BUT WILL NEED TO TOP UP SOON)
* Take lunch to work DONE
* Fill water bottle up at work DONE
* Taken chicken out of freezer for dinner tonight DONE
* Empty cupboard under sink for kitchen fitter DONE
* Buy onions and only onions! FAILED! BOUGHT SOME MUGSHOTS AS THEY WERE ON OFFER AND SOME DIET COKE - ONLY SPENT £2.93 THOUGH SO NOT BAD
* Go for a walk at lunch FAILED - HAD TO RUN AN ERRAND FOR MY BOSS BUT DID POP TO THE SHOP RATHER THAN DO IT AFTER WORK
* Earn more SB
* See what state the house is in when I get home and decide what housework to do!

Think that's everything for today.

little_pink_purse

Morning Bob & ziggy


Thanks for starting us today
feeling the same today ive managed to get a sit and wait apt at my g.ps so I will be sitting in a room of germs till I'am seen and you can only talk about one thing. OH and you have only got 5 mins better talk fast.
Foxy Ive had my flu jag this year so must just have dirty germs


todays todo
check banking
meals from stores
bedding on long wash
keep warm


better go get in the shower hope you all have a good/ safe day we are to get bad snow nothing yet fingers crossed it stays away xx


xxxxlppxxx

carrielovesfanta

Morning folks


Thanks to Bobarella for starting off the thread


Last night didn't go quite to plan. OH had a herb mix up with dinner which led to bad ptsd related melt down and refusal to eat dinner. Managed to calm him down, get him showered and dressed (still in dressing gown when I got home). Went for a drive, which is usually a good way to calm him down then went to the pub for dinner. Still., with us both not drinking it was much cheaper than usual. Only £22 for us both as opposed to usual £35


Already done today:

• Put bread on
• Put bathroom rugs into washing machine (and put machine on )
• Washed up cooking things from last night (OH wouldn't let me do them last night)
• Heating on for about 45 mins to take cold edge off house

The list:

• Flylady clean the window area in en suite (clean window, treat mold, dust/wash all ornaments, tidy) - done
• B/L/D from stores - done
• Put labels on all herbs!! - done
• Heating on for a couple of hours only - done
• Check online banking (noooooooo) - done
• Go for a walk at lunch time to get some steps - not done. Tsk.
  
• Charge phone in work - done
• Edit: oh yes, dry January day 10. Didn't drink in the pub. Had a non-alcoholic ginger beer instead. - done
• Re-filled OH's pump bottle of conditioner (it lasts longer this way). Cut open the existing bottle to wangle last dregs out for me tomorrow.
  

Think there might be other things, but not sure now!


Have a good one all


clf x

little_pink_purse

Forgot to say ladies and gents if we have any


Tesco unsure if it every one and doing all there frozen xmas joints 1/2 price great for a lazy Sunday Dinner xxx

ziggy2407

Good Morning All

Bob - Thanks for starting us off today and yes I'm taking it easy (watching Silent Witness, one of my fave programmes). Good news from Docs yesterday - apparently the heart attack was nothing to do with cholesterol as my levels are very low (2.8) and although I am a little overweight (more than a little really) I am in good health and showing no risk of developing type 2 diabetes or any other serious illnesses, so came away feeling chipper and upbeat.
lpp - big hugs, hope today is better for you


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. Don't forget we also have a small things on Facebook, if anyone wishes to join.

Up early (as usual but don't always switch laptop on before son leaves for school). So today's little list:

Washing - Done
Packed lunch for DH & DS - Done
Contact craft supplier regarding punches that aren't punching properly -
Sort through used coloured envelopes and punch shapes for pre-school (great job while watching tv) -
Continue purge on Emails -
Check Banks -
Check swapits -
Re-list couple of things on FB -
Enter a few comps -
All meals from cupboards/fridge/freezer -
Check https://www.freepostcodelottery.com - Remember there are now 4 chances to win -
Check Birthday Bingo -
Read (Lynda la Plante) - In progress
Craft (need to do rather than browse Pinterest) -


Have a great day, love to you all

C x

threellamas

Morning all,

Got a great haul from the hotel with some fancy hot chocolate sachets that I will save for when/if the snow hits us down south. ALso thanks for the sausages in pasta tip - will liberate some sausages next week hopefully.

Today I need to:
Package up a return and send it back (You loose £3 by posting it back rather than return to store but the nearest store is 40 minutes drive + parking costs means its just not worth the hassle).
Change my Bank Details at work - DONE!
Want to get another 20SB to get amazon voucher.
Place seed order through TCB and cheapest places for good varieties.
Do actually job....
Thank NFU for prize
Accept ebay offer.
Eat L/D from stores.
ShopandScan quiz

I find this so much better and easier than keeping a diary on here as there is no pressure - Thanks for this thread!!

xx

lhead123

Morning everyone!

Today I will be:

Checking online banking

Reconcile YNAB

B/L/D from what we have in the house

Need one more meal for this week's food plan, so going to pop into Co-op on the way home from school and see what they've reduced.

Sort out Rota for work - I finish maternity leave on sunday and will be going from £136 Mat pay a week to £30 pay from work a week....I'm only going back to keep my job and when DS is in nursery I will increase my hours.

List a few items on Ebay/Gumtree

Get some free exercise cleaning and tidying

sallybunny

This is my first time on for a while - my other post today sums up the ins and outs of my DFW year!

So, my list today....

Check bank and do coin sweep - DONE
NSD - 1
B/L/D from stores
Swimming with DSs using a free voucher
Meeting architects to discuss plans for the loft (this is very exciting and will make the house warmer, watertight, more liveable and worth more. And we'll have somewhere nice to put visitors and to work in)

There might be other things....

DawnW

Hello all :j
Thanks for starting the thread Bobarella
Hope all poorlies feel better soon

Well, very little snow here, just a sprinkling which has stayed there even though it was bucketing down with rain earlier. Nasty cold day though!

For me today:
Grandma day, so not much will get done....
Check banks Done
All meals from stores - I cooked enough bolognese last night for tonight's supper as well, so no cooking apart from jacket potatoes, as I am worn out at the end of Grandma day :T I added a tin of kidney beans and a spoonful of HM chilli jam and converted it to chilli for a change. Enough left for tomorrow with rice
Should manage another NSD Not been anywhere, nothing spent
Play with baby GD when she wakes up I am all played out now :eek:

While baby was asleep I experimented with slow cooker lemon curd, as I had some rather shrivelled looking lemons that needed using. It worked really well, and I will certainly be doing it like this again Previously I have made it in a pan and it takes ages, needs stirring all the time and you have to watch it like a hawk to stop it turning into lemon flavoured scrambled eggs :eek: This was really simple, melt the butter, sugar and lemon juice and zest together in a saucepan over a low heat, let it cool a bit and add beaten eggs. Then simply put in a basin, cover with foil and put it in the SC with enough boiling water to come half way up the sides of the basin. I cooked it on low for about 3 and a half hours, gave it a good stir at the end and that was it!

Hope everyone has a good day