Friday 1st May - 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:

allydowd

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 )
  
• Coupon Shop Forum list of money-off coupons (Link)
  
• eBid ( Link )
  
• Freecycle ( 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 )
• Tesco Orchard product testing (Link)
  
• Toluna ( Link )
  
• TopCashBack ( Link )

determined_new_ms

Morning hurrah to Friday at the beginning of a long weekend :j

Thanks for starting us off & wow to all the cards you made for the craft fair!

Olliegami yes I waste so much of my life online am really trying to rein it in now as I've found what with having a toddler and working ft I just don't get my life sorted!

Bob fantastic news for finally getting the insurance fiasco sorted out :T

Ok just a quick post as have to go to work!

* check banking & do VSP
* remind oh to pay housekeeping money
* dgd packed lunch
* B/L at work
* work efficiently and get through the some of the mountain of work I have to do!
* go into town in lunch break and get photo copied for ex-mil's birthday present. Hopefully get a frame at work
* check tyre pressure
* text Friend and see if she wants to meet up on Sunday for a play date
* pick up a bottle of wine on way home

Ok got to go! x

Olliegami

Must have just caught you this morning, Ziggy! Can't believe how crazy the time difference is.

I've had a pretty good day. Resisted the urge to buy a DVD for the kids over the internet. I need to stop spending my money on them! (Despite how easy it is to do.)

Done a few surveys, refused to register on any other websites and I've managed to keep off the laptop a little bit more than I did yesterday.

Not much else to report. Been drying clothes on the clothes horse by the fire, just need to get all the ironing done and the clothes put away and I'll feel so much better about everything!!

Hope you all have a good Friday! Keep plugging away. =D

Bobarella

Morning Ziggy & all who follow

OH got paid yesterday so I did all the financial shuffling last night. I paid £130 off the cards but think I had my total wrong from last month as it didn't seem to go down by what I paid off. Strange. I'm in that bit where it feels like I have been sub £5k for ages but nowhere near 4k. But it all helps go the right way.
I am only 1 month away from having a full emergency fund too which I am pleased about.

I sent a brief email to our mortgage advisor asking for info on how self employed mortgages are working these days as I recently completed the 3 year trading & reporting period that most lenders were requiring for lending. We are not in a position to buy at the moment. It would involve selling our flat which we let out, & I don't think we want to sell it either. So we either need to wait till there is enough value in it to remortgage to release equity again or come up with a deposit from elsewhere.
We're happy were we live, it works for us. But I am conscious having owned for 8 years prior to this move that I'm only renting now. It sort of bothers me on a subconscious level. So having some info on how I am likely to be seen by lenders would be reassuring. Sorry that's more what big things are you thinking today not small ones

It's Friday. What ever comes I have 2 days to rest my weary bones after this so let's have it!

Bob

ziggy2407

Good Morning All

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 - Done
Pop to town -
Price up large lego base boards
TV off & music on
Craft -
Continue purge on Emails -
Continue purge on FB & Twitter -
Surveys -
Check Banks -
Check swapits -
Enter a few comps -
All meals from cupboards/fridge/freezer -
Make (another) Fruit Salad - Tomorrow
Pamper feet this evening -
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win -
Read -

Have a great day, love to you all

C x

twiggy86

Morning all!

Pinch, punch - first of the month!

No offense taken Bob! Prior to and just after moving out of my parents home for the first time I went a little crazy as wanted to make sure the cupboards were fully stocked in an attempt to be a good house wife (not that I'm married!) So things got shoved to the backs of cupboards and forgotten about! I don't do that anymore and only buy what I know will be used shortly!

So today I have/will:-
* Eat breakfast (miracle in itself!) from use it up box
* Check banks
* No heating on despite OH complaining it was cold!
* Put P60 in bag
* Check when dentist appointment is (Tuesday morning! Knew it was coming up so pleased I checked!)
* Take lunch to work
* Earn more on OnePoll
* Earn more SBs
* Check FPL
* Check TCB
* Attempt to reclaim tax overpayment
* Check what cards I already have so I can buy ones for upcoming events from card factory whilst in town tomorrow
* Check checkoutsmart, shoptize etc to see what deals there are as will need to spend £5 in MrA tomorrow to get parking back

Think that's everything for today. Hope you all have a great day. I'll try post over the weekend but if I don't I hope you all have a lovely long weekend!

DawnW

Morning all
Thanks for starting us off Ziggy
List for today:

Done so far:
Check banks
Heating off (even the towel rail in the bathroom )
Quiche shell made and blind baked for filling later for supper (I have bits of ham and some cream to use up, I will add an onion, a bit of grated cheese and some eggs from our hens )
Also made half a dozen unseasonal mince pies to use up leftover bits of pastry and an annoying jar from the fridge which had about 2 tablespoons of LO mincemeat in it, and has been in there since Christmas. My mincemeat is HM and contains lots of brandy, so no worries about use by dates or it having gone off :rotfl:
OH has done the hoovering :T

Still to do:
Finish off quiche, which we will have with salad later
Hoe parsnip rows in garden if it stays dry (this is a 5 minute job as the rows are short in our little garden
Check whether anything needs watering
Pop into sales unit as it is money day today :j Weirdly, I am always more interested in the list of what has sold than in the cheque itself :rotfl: Also see if tidying or topping up needed
Wrap GD3's birthday present for tomorrow. I also bought some absolutely preposterous necklaces from our local jewellers yesterday (they have a £1 table outside) with huge coloured 'jewels' as a little extra present for her and her sister. They will love them, and it will make DD laugh :rotfl: They are 5 and 8, and so funny at that age
Clean suede boots and put them away for next winter (I didn't do this yesterday )

Right, OH wants to go out, so better get a move on!

Hope everyone has a nice day

Tidy_Up_Tash

Good morning!

Thanks for the start Ziggy
Just a small last from me, again. I'm going on a rare trip to the cinema, to see Avengers with a fellow geek. It's his turn to pay, so it's a DFW

• Make sure Mr T delivery has all I need!
• Dinner from the freezer
• Lunch from leftovers
• Double check bank, now the bills have come out

Have an awesome day!

1HANNAH

Morning all, sounds like everyone is doing well this morning.
(sorry for not individually replying but I'm short of time this morning)


* Switched mobile off over night :j
* Heating off :j
* Kids breakfast free at Schools breakfast club :j
* Fill water bottle at gym :j
* All meals from stores - plan & prep - :j leftovers for us and kids have friends over so Mr T is bringing chips & nuggests.
* Check Banking/update spreadsheets :j
* Check email survey oppurtunities nothing available yet will look later
* Unsubscribe from junk emails :j
* Try to use something out of the use up food box :j breakfast smoothie using whey protein & flax seeds out of the box :j
* Read a few pages of a book - bought more then a year ago, about time I read some of it
* Clean & tidy fridge :j need to do this soon before Mr T delivery comes between 11-12
* Check checkoutsmart :j
* Check shopitize :j
* Do some Swagbucks
* Check Sun perks :j
* Check FPL :j 3/5
* Check TCB :j
* Check Quidco/clicksnap :j
* Update freezer list after delivery :j
* Make date cake (used up 1/23 packs of OOD dates which will make 46 cakes!)
* Add items to charity bag
* Use nectar search and see how many points I have :j points bumped up last night as DH filled up the company car and we got extra points whooo hooo :j
* Use up pamper box contains (used up 1/17 nail polish 1/4 handcream 0/1 footcream 0/3 perfumes so far) :j bit of perfume so far
* Use up household box contains (used up 2/5 shower spray & 1/1 spray cleaner that I didn't like so far) shower spray used so far
* Washing done at 30 degrees :j
* washing on the line :j




* Drink warm water rather then tea/coffee save the cost of tea/coffee/milk and less calories too (when I started on this thread I had 6 tins of coffee so I've been drinking it, now down to 1 1/2 tins which I will have sometimes but not too often)

Olliegami

I am desperate to see Avengers. So many people keep mentioning it and aaaaah. Nooooo. I just want to watch it like, yesterday.