Thursday 30th April - What small DFW things will you do today?

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:

ziggy2407

Good Morning All

Bob - Sending big hugs, sorry you are so down at the moment

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.

Well yesterday I managed to make 30 cards for Spring Fayre at mum's place and managed to sort/use up quite a bit of craft stuff but I'm also making two craft boxes up for my nieces and grandkiddies - I have to be realistic there is only so much "stuff" I can and will use, plus I need to re-think just how much stuff I save - odd playing cards, old calendars, etc. Today's little list:

Packed lunch for DH & DS - Done
Make appointment for eye test - Done, should be no warnings of stroke this year
Clean patio doors inside - Done
TV off & music on (smooth jazz yesterday, wonder what today will bring - 80's rock?/power ballads:rotfl:)- Power Ballads - apologies if it caused further rain/snow in your part of the country
Craft - Few more cards and lots more sorting
Continue purge on Emails - WIP
Continue purge on FB & Twitter - WIP
Surveys - Done a few
Check Banks - Done
Check swapits -
Enter a few comps - Done a few
All meals from cupboards/fridge/freezer - Done
Make (another) Fruit Salad - Tomorrow
Pamper feet this evening - Done, they will be ready for Summer when it arrives
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win - Done
Read - Start tomorrow

Have a great day, love to you all

C x

PS Price up large lego base boards - as hoping to turn a magazine table/rack into a lego table for kiddies - it's more a cube but will paint and pop lego base board on top, remove door and put a basket and the side rack can be for books/leaflets

Shortie

Morning all

Love the idea of the lego table Ziggy

Feelig refreshed today and tomorrow we're off on hols so I am not sure how much I'll be able to post over the weekend

DFW things for today:

- I have work breakfast with me (overnight oats with YS raspberries)
- I have work lunch with me (a ham sarnie and chilli crackers)
- I have a work snack with me (a few biccies)
- I have tea and squash in work
- I need to SORN my Mini - she is my second car and needs work to pass her next MOT. Her tax is due for renewal so I'm taking her off the road and will slowly fix her back up and do the bits to her that I always intended to do. Not point paying tax and full insurance during the time though so will put her on a 'stored' insurance while she's off the road

Hoping my refund cheque turns up today

Have a good day all xx

Pollygarter

Morning all. This is my first month of posting under the new regime. Am in the throes of preparation for a house move which will bring big savings once done but is about to cost me lots in expenses in the short term. Today though, I have to lend £20 to Son no. 1 but other than that I will keep my wallet firmly shut.

DawnW

Morning all
Thanks for starting us off Ziggy.

Jobs for today:
Check banks
Meals from stores
Heating on only in bathroom and airing cupboard (on timer). It is still cold here - I wish it would warm up again so I could turn it right off!
Clean log basket and store it away till needed again - hot water bottle and blanket to be used if chilly in the evenings.
Clean winter boots and store them away, cheaper than having to buy new ones next year because they have been kicking around in the hall for months and got scuffed and damaged!
Clear up after having baby GD here yesterday
Make a loaf in the breadmaker
Think about what to do for supper - meal planning fail One thing for certain, it will be something we already have in! Not buying anything!
Do a bit in the garden if dry
Pop along to sales unit to see if anything needs doing / tidying / topping up
Walk there for free exercise
Ebay item ending today - lots of watchers, but still no bids
Wrap GD3's birthday present ready for her party on Saturday. She will be 5
Aim for a NSD

Hope everyone has a good day

Olliegami

Hi everyone,

Thursday is drawing to a close and although it's been a good day for saving money but I feel like it's been a bit wasted.

Does anyone else get carried away on the internet sometimes? Aside from putting washing on and getting it dry I have literally sat here for about 5 hours scouring the internet for money saving ideas/websites. I signed up to a few survey websites. Checked back and forth across a few websites I've used in the past.

I feel like I could just keep going for days on end if I was left to it!

twiggy86

Morning all!

So last night I sorted through the kitchen cupboards and have a lot in my use it up box! Been living there less than a year and I'm amazed how much stuff is out of date or nearly out of date! Apparently I need to do some baking as well as have an array of different sugars!

Today I have/will:-
* Check banks
* Continue using up free foundation
* Shuffle washing around on airer so it dries properly
* Take lunch to work
* Check whether I've overpaid tax (thanks ally) - apparently I'm due a massive £10 refund!
* Claim tax refund - need P60 which is at home so I'll do tomorrow
* Call bank to request new bank card as mine has been rejected a couple of times now despite there being money in there!
* Earn more SBs
* Earn more on OnePoll
* Dinner from stores
* Go to Zumba
* Wash hair and let dry naturally

Think that's everything for today. Hope you all have a good day!

ziggy2407

Olliegami wrote: »

Hi everyone,

Thursday is drawing to a close and although it's been a good day for saving money but I feel like it's been a bit wasted.

Does anyone else get carried away on the internet sometimes? Aside from putting washing on and getting it dry I have literally sat here for about 5 hours scouring the internet for money saving ideas/websites. I signed up to a few survey websites. Checked back and forth across a few websites I've used in the past.

I feel like I could just keep going for days on end if I was left to it!

What about comping, am sure I have seen lots of comps for Australia - might pass your time, might win things to make life easier,better or even to sell

http://www.competitions.com.au/

http://www.win-free-stuff.com.au/

http://www.competitioncrazy.com/


I love comping and have won lots of great goodies for my family, friends, charity and while recovering it's been a great way to pass the time. My top tips

Don't pay to enter comps
Maybe set up a separate email address
Check emails daily and get rid of spam/respond to winning emails.

Hope this helps

carrielovesfanta

Morning folks!


Thanks to ziggy for starting us off


Bob - it sucks when you lose a post! I lost too many so now I select the whole post and copy it before I hit the post button. I hope you're ok.


Very sleepy clf today. Need an early night! Also need to get a grip on spends and weight.


Payday today so lots of money moving around. Here's the list:

• B/D from stores
• Charge phone in work
• Take meter readings
• Rough meal plan
• Housework
• Crochet
• Check online banking, move money, reconcile spreadsheet. Two missing payments. One in, one out.:/
• Tend to garden
• Need to get some exercise in. Have spent 4 days sitting in cars and meetings.
• Sort out things to do with friend's hen do

Big list today. Need to crack on!


Have a good one all


clf x

DD265

Olliegami wrote: »

Does anyone else get carried away on the internet sometimes?
I feel like I could just keep going for days on end if I was left to it!

Absolutely!

I ended up in Meadowhall last night due to the M62 closure - decided to stop off, have something to eat and wait it out. I did spend on tea but didn't buy anything else whilst I was in there so quite pleased with myself! Eventually got home at 9pm so that was a long day.

Pay day today which means:
- budgeting
- reconcile accounts
- pay for holiday
- buy a few bits for our move

Also sold a few things on eBay which is great. I need to get the next lot ready to go tomorrow when my next 20 free listings come up, and hoping for a free listing weekend with it being a bank holiday.

1HANNAH

Morning all,
Thanks for the start Ziggy, we made a lego table for our boys, got the base boards from Amazon. I might have to put some power ballards on here!!
Clf - I need to get to grips with my weight too, (since starting on here I've started baking more...and eating it!)
Twiggy -I can't believe how in the past I've said we've not got anything in to eat after making my use up box!
Olliegami - I can easily get sucked into the internet! During the day I set a timer and allow myself just 15 mins at a time on here otherwise the day can disappear!
Dawn - I hope you get some ebay bids
Pollygarter - I don't envy a house move, although its a good way of decluttering/getting organised again after.
Shortie - oats & raspberries sounds a lovely breakfast, have a good holiday.


My little list...


* Switched mobile off over night Done
* Heating off Done
* Kids breakfast free at Schools breakfast club Done
* Fill water bottle at gym Done
* All meals from stores - plan & prep - Done left overs for both meals
* 1 load of washing @ 30 degrees In the machine now
* Check Banking/update spreadsheets - looking forward to this as its DH's payday! Done
* Hang washing on line Done
* Check email survey oppurtunities Nothing available, will look tonight
* Unsubscribe from junk emails Done
* Try to use something out of the use up food box Done, used a bit of cranberry sauce in the rice pud
* Read a few pages of a book - bought more then a year ago, about time I read some of it Done, aren't keen on reading really but got into this book today and read 71pages!
* Clean & tidy fridge Done
* Check checkoutsmart Done and redeemed
* Check shopitize Done and redeemed
* Do some Swagbucks Done some, will check back tonight - couple more surveys done tonight and some sbtv and hopefully I'll reach payout
* Check Sun perks Done
* Check FPL 3/5 done will look later
* Check TCB Done
* Check Quidco/clicksnap Done and put a claim in for missing cashback
* Update freezer list Done
* Make another date cake (used up 1/23 packs of OOD dates which will make 46 cakes!)
* Add items to charity bag
* Use nectar search
* Use up pamper box contains (used up 1/17 nail polish 1/4 handcream 0/1 footcream 0/3 perfumes so far) Done, used some perfume & handcream so far today and now for the footcream
* Use up household box contains (used up 2/5 shower spray & 1/1 spray cleaner that I didn't like so far) Done used some shower spray
* Make families lunches for school/work & one for me too Done


DH is away with work til late evening, which is money saving in itself as
he's gone in a company vehicle - so no fuel/wear & tear cost to us
He'll get drinks on expenses (he's taken sandwiches with him but he'll prob grab something else as well)
Once the kids are in bed I'll try getting more surveys done etc whilst hes not here.


Have a good day all, I'm finishing a cuppa then off to play with the bank balances & spreadsheets :j:j:j (sad I know but I'm quite looking forward to it!)