Sat 21/Sun 22 February - What small DFW things will you do this wkend?

ziggy2407

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:

happytravells

Well today swapped my iPhone over to a Tesco SIM only contract saving me
30 a month, I've just got to make sure I cap my usage!
I'm hoping it will mean less random checking of facebook etc so I'll have more time too!! Win win!!

xJOJOx_2

Morning everyone

Signed up to the make £2015 in 2015 challenge. Hope this motivates me to ebay etc and get these debts cleared. Received money today so paid straight of debt before I spend, I am poor but can survive by scrimping by til Wednesday.

- check banking (done)
- check emails (done)
- £10.55 refund from gas company (DONE)
- photos in post, finish baby book
- list DVDs on fb selling pages before music magpie (done)
- pay off studio money owing (DONE)
- pay off £100 off c/c (DONE)
- put appointments on calendar (done)
- tidy downstairs house (done)
- try and sort someone to take me shopping to spend gv I recently received for sainsburys (not one in local town)
- list 2 items on eBay (done)
- count penny jar from roadkill pickups and see if enough to bank
- try not use much gas and electric
- nsd
- all meals from stock

Have a good day xx

determined_new_ms

Morning Ziggy & happytravells!

Thanks for starting us off Ziggy hope you're ok :A

happytravells nice one of the saving :T

things for me this weekend

*[STRIKE] checked banking & reconciled all spends at least I now know where I am![/STRIKE]
*[STRIKE] several loads of hockey cokey![/STRIKE]
*[STRIKE] all meals from stores - need to get creative with what we have in. Have loads of bits and bobs and keep spending! Also it's going to be a tight month [/STRIKE] YS salmon out of freezer
* list 3 things on facebay
* paint windowsill
* [STRIKE]maybe go out for a walk and a pint later...[/STRIKE] I had a coffee as it was so cold!
* take car to scrap yard
* [STRIKE]sort out a drawer and get rid of some junk[/STRIKE] did 1 1/2 drawers then couldn't take anymore!
* offer a few things on freecycle
* started a box of things to either freecycle or sell
*[STRIKE] checked stoozing credit card balance and how long 0% period lasts for[/STRIKE]

Think that's all I need to do :T Have a lovely weekend everyone x

Baileys_Babe

ziggy Thanks for getting us started today.

Morning, very bright and sunny here today.

My DFW list:

• Open curtains fully done
• Cull 100 emails done
• BLD from stores done
• NSD done
• Dry washing on airer done
• Set DW to run overnight done
• Set WM to run overnight done
• Soak porridge overnight done
• Close curtains before it gets dark done
• Meal plan for next week done
• Contact group to create an order for wholesalers (rolled over from Thursday and Friday) still not done, realised I won't be around to take delivery will need to arrange someone else to do this
• Take metre readings done
• Submit metre readings done

Also turned off lights, electrical equipment when not in use.

Discussed with OH how we could reduce our heating costs over the next few years, even better OH initiated the conversion and had some good ideas :T

snowfox

Nice quiet weekend here, so I can focus on getting stuff done, and much needed cleaning!

* check bank accounts & budget - done
* pay £50 to the CC - done
* wash & hang bedding - done
* clean everywhere - part done
* keep the heating off while it's sunny - done
* go out for a walk and not buy anything, maybe a visit to the library - done
* submit meter readings - done
* pay £299 final bill to British Gas - I knew this was coming and it's budgeted but still - DONE
* crack on with my Wordpress blog install
* check deals on car hire for a trip I'm taking next month
* build chest of drawers from Ikea that's been sitting there for weeks - done

Happy weekend everyone!

Bobarella

Hi All
Todays small things
1) Found a Mcdonalds cup with bean attached. Just need 3 more for a free coffee.
2) Found a 3p brand match coupon
3) Found 2p roadkill
4) Transferred £100 back from emergency fund to try and balance out current account. I am sure I am not the only parent feeling the half term squeeze.
5) No big plans for rest of the day.

Have a good weekend all.
Bob

foxgloves

Hello all,
Today's small money-saving things from me:
*Checked February budget to see how things are going. Bank balance looked lower than I expected for this weekend, but it wasn't anything dodgy. Turned out that car insurance provider had decided to take our annual premium payment nearly 4 weeks earlier than last year, for some reason.
*Updated grocery budget. It got a bit complicated as we had a good Sainso's voucher - £9 off a £60 spend - but didn't have £60 left in the budget for Feb's groceries. Decided to borrow it from March's budget. The 'free' £9 more than paid for a big pork joint which we'll roast next weekend when we have guests to feed.
*Paid £30 across to savings from 2 Sainso's gift cards which we used for groceries (from my ongoing 'Toluna earnings').
*De-cluttered today's 21 items.
*Listed 5 vintage items on ebay, & re-listed 4 unsold items.
*NSD. Mr f has had to work so I've got no wheels. All free leisure today - more family history, wrote my blog, might bake a cake & will knit & probably watch a film tonight.
*Requested a return to paper bank statements. I've tried 2 months of paperless statements, but it's not really working for me.
*Have got my clay flower-pot room warmer lit up in my little HQ room, as have turned the heating down a little. Decided not to listen to mr f's assertion that the towel radiator costs virtually nothing to run so can stay on 24 hrs & have tuned it off. It can go on again later this afternoon when I put the rest of the downstairs heating on. Our meter readings have shown higher electricity use in the day. It has to be coming from somewhere.
OK, that's me. Am sure there's a cafetiere downstairs with my name on it.
f x

snowfox

OH and I joined the local library today. We both love reading and in the past we bought so many books that we'd read once and then had to give away to charity shops. Now we live a 5 minute walk from a really good library, so it made sense to join up and take advantage. They even do a loyalty card where after 5 visits you're entitled to a free DVD rental. How good is that? :j

Bobarella

We love the loyalty points at the library too Snow fox. Before we got Netflix it was the only way I ever got to see new films and series. I still take various films out that way now as not everything comes on Netflix. Not all the boroughs do it though Southwark do but Lewisham don't.

chanie

What a great idea for a thread. I've done quite a few dfw things this weekend without realising, as its become a bit more like second nature, but it's nice to remind myself:

Food shopping today:
Bought food for mine and OHs lunches for work.
Extra food for a family outing next week to avoid eating out.
Bought Ds a red t-shirt in the sainsburys 25% sale (he's in reception and already has had 2 'wear read to school days').

We went to a family party today. OH and I ate whilst we were there so we didn't need dinner at home. I also brought some leftovers home for the children's lunches tomorrow.