Tue 3rd Feb - What small DFW things will you be doing 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:

allydowd

Morning DFW-Jedis,

Well, life goes on, as does the almost everlasting quest for solvency and sanity. Off to the hospital soon with OH and then hopefully straight home for a few things on DFW-style list.

The List


:starmod: Check online banking and reconcile monies.

:starmod: Do i-Say surveys.

:starmod: Turn off electric alarm clock at the wall til tonight.

:starmod: Read news online instead of buying a paper.

:starmod: Will not go to the hospital shop or food court. Will take a flask of coffee. OH can't eat before her scan so that's a breakfast saved!

:starmod: Going to shop around for a CD I want to buy I want it at least half the new price. Tried yesterday but all too expensive.

:starmod: Watch tv later recorded over night.

:starmod: Still haven't bought any de-icer for the car. Instead I cover the front windscreen with a PoundShop shower curtain. This has two benefits: (1) no ongoing purchase of spray (2) no blotchy hands or de-icer soaked gloves when the spray malfunctions.

Freebies

:starmod: Free Amazon e-book "Teacher Beware": (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 )
• 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 )
• Toluna ( Link )
  
• TopCashBack ( Link)

ziggy2407

Good Morning All

ally - Thanks for starting us off, hope today goes well for you both

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.

Today's little list:

Packed lunch for DH & DS - Done
Walk dog (dog sitting) - Done, very cold, neither of us wanted to stay out long
Bake - No, not today
Craft (friend wants a frame) - Done
Continue de-cluttering -
Continue purge on Emails - Done, managed to get rid of quite a few today
Filing & Shredding -
Catch up on surveys - Done a few
Check Banks - Done
Check swapits -
Enter a few comps - Done a few
All meals from cupboards/fridge/freezer - Done
Check https://www.freepostcodelottery.com - Remember there are now 4 chances to win - Done
Check Birthday Bingo - Oh dear, its been suspended for a while
Read - In progress

Have a great day, love to you all

C x

DawnW

Morning
Thanks for starting us off Allydowd. Hope your OH is ok.

I have to go to the dentist shortly, and have made OH get up to take me in the 4x4, as we have snow and ice this morning :mad: I hate driving in these conditions as I had an accident in icy conditions a few years ago. Typical that it should snow the very morning I have to go out early

So, dentists fees to pay so not a NSD. Only a checkup and hygienist though, so not too bad.

Other things today:
No other spends needed!
Check banks
Make bread
Cleaning - carpets today
Decluttering - came to a halt yesterday. Might go through the plastic containers to get me going again. Some of the lock and lock ones don't fasten properly any more, and need to go. Then perhaps move on to the kitchen drawers, or the trunks in the bedrooms which would close easier with less in them!
Meals from stores - I made a pie yesterday and we only ate half, so we can have the rest of that today for dinner, with different vegetables.
Light the wood burner and keep warm :eek:

Hope everyone has a good day. Take care if it is icy where you are.

MinnieMousesMummy

Morning all, Ally - Thanks for starting the thread this morning. The bug that has been going around the kids has finally caught me, I am feeling awful this morning therefore I am going to spend the day in the house.

My list for today:

• Pay money into the bank Done
• Pay the rent Done
• Email college to let them know I wont be in today, as feeling awful Done
• Return call to lady that phoned yesterday regarding work Done
• Feed the animals and check for eggs Done
• Phone s.power to check about electricity rebate Done, It is getting sent out to me
• Get rid of 100 emails Done
• Watch program that I recorded last week, so that I have caught up before tonights episode Done
• Do some course work
• Check superpoints and swagbucks Done
• Check freepostcodelottery Done
• Check the job centre and apply for 3 jobs Done
• All meals from stores
• Check onepoll Done
• Do some surveys from inbox Done
• Get some rest

Its a short list for me today, as I am going try and get some rest. Hope everyone has a good Tuesday x

twiggy86

Hi all!

Sorry I haven't posted for a few days - I could lie and make up an excuse but I don't have one! Naughty twiggy!

Today I have/will:-

* Post on here! DONE
* Do diary entry - DONE
* Check banks - DONE - £5 REWARD FROM BANK GONE IN
* Pay £5 off OD - DONE
* Update signature - DONE
* Update snowball - DONE
* Check TCB - DONE
* Lunch from home - DONE
* Fill water bottle up at work - DONE
* Take cottage pie out of freezer for dinner - FORGOT BUT LUCKILY OH WAS STARTING WORK LATE BECAUSE OF THE SNOW SO I MANAGED TO CALL BEFORE HE LEFT
* Check free postcode lottery - DONE
* Earn SBs (must get back into this)
* Earn more on OnePoll (must get back into this too - up to nearly £30 so be silly not to get to £40!)
* Have shower - Sorry should clarify! We now have a functioning shower I can use instead of having baths! MSE and just makes me happy!

Hoping for a NSD - will need some milk and bits but can wait until tomorrow.


Hope you all have a good day

Bobarella

Good Morning All

Ally - Hope the appointment gives you a positive outcome. Sending positive thoughts.

Ziggy - What are you baking today?

Dawn -Good luck getting to the dentist safetly. I am going myself next week. Hope it is painless for both you & your wallet.

MMM - Not Silent but Violent by any chance is it on record? Have to say it was v.g indeed...

Twiggy -Good luck having a NSD...

Hi All
So far today I have had to go out early (not Maria early, but Bob early) to let some workmen into the shop. Was there for 8am, wondering if they'd make it due to the snow. Its not too bad in London but they were coming in from further afield. Got back by 9 feeling like I'd already done a days work.
Have so far:
1. Gone around all the rads & taken all the dry items off & packed them away. Then moved all the other still damp items off the drying rack onto the rads. We have heating on for 1 hour in the morning & 2 at night, and that is enough to get 2 loads of washing dry in 2 days. Any longer & it would be musty.
2. We had a number of free items in packaging turn up yesterday, my Amazon Trade in paid for bicycle helmet, & some very late xmas presents. So I have put what is saveable from that lot away in the spare room to use again.
3. First Utility wanted meter reads so have supplied those this morning. I will call them later to find out what we have maaged to reduce on the in deficit amount this month. Its really inspiring to keep all the costs low as I can.
4. Had a phone call with a builder who gave me some good advice re the business premises. He is a good contact I am glad to have.
5. Put husbands old waterproof into the kerbside charity collection bag on the go in our porch. They will collect tommorow. As his old one predates our relationship (of 15 years yesterday) I'd say he got the value from it
6. NSD 3 in a row. I am shocked. I never do this well. Hat Trick!
7. Transferred CB into main account.
8. Music Magpie confirmed they have processed one of the computers we sent off so thats £25 of £45 confirmed.
9. Checked TCB nothing more converted yet.
10. Checked banking & updated free money tracking software to reflect it.

I will leave you with a favorite quote, by one of my heros Warren Buffett
' Price is what you pay. Value is what you get'

Think thats me for the day.

Bob

carrielovesfanta

Morning folks


Thanks to ally for starting us off. I hope your OH is ok.


Today's list:

• B/L/D from stores - must decide on dinner. My mind is a blank - done
• Make bread
• Charge phone in work - done
• Report broken bin to council. Bin damaged after collection yesterday. They better not try to charge me £37 to replace :mad: - done
• Check online banking - done
• Move present money back to current account - done
• Reconcile spreadsheet - done
• Pay car tax (all in one go from allocated saved funds ) - done
• Listed an item on ebay. Will list another later.
• Hoover house. Looks like a pigsty! - cannot face it
  
• Possibly make that soup but am very tired still. - cannot face it
• Think about what I can start cooking for OH to eat while I'm away. - OH has offered to cook
• Agreed with work that I can keep my old work t-shirts for gardening etc
  

I think there was more but I'm tired and confused. lol.


Have a good one folks


clf x

foxgloves

Morning all,
Quick one from me today:
*Laundry done overnight on cheap tariff.
*Dinner will be leftover pie I cooked yesterday with a different selection of vegetables.
*Make tomorrow's packed lunch & work snacks.
*Did a few surveys.
*Liberated a stamp.
*Updated budget.
*Turned my HQ storage heater down a notch. (I'm wearing a cami, a top, a jumper & my massive hairy Peruvian cardi - am small wool Yeti)
*Received free breakfast bar for testing.
*De-cluttered today's 3 items.
I don't have many indoor jobs to do today. It's not a gardening day as we've had a layer of snow, so I'm going to put some work into progressing my family tree. I have joined an online research group covering the area from which my family originates. I've received so much free info (cheaper than re-subscribing to 'Ancestry' & regular visits to another part of the country) so am going to make a fresh cafetiere, fortify myself with a banana & make inroads into that. Stay warm everyone.
f x

Bagpuss741

Today I have/will:

1. Checked online banking
2. NSD
3. Surveys
4. Received £3 for pinecone suvey
5. Watch silent witness before second part tonight
6. Meals from stores
7. Put £10 in bank before I spend it on rubbish:o

maria3104

Hi All

Thanks Ally for starting us off.

Quiet day for me today MSE wise, but chaotic in work.

Hope for another NSD and need to get my act together re feeding us tonight. We can not live on toast alone even if it is cheap!

Maria