Wednesday 13th May - What small DFW things will you do 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. :money:

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 )

allydowd

:grinheart Brought home free sweeties and can of juice provided at work meeting.

desperate2save

Good morning everyone, thanks ally for starting us off! Well lovely sunny day and feeling positive! I will have a debt busting day today! So my list goes something like this....

- request password for littlewoods and very accounts - done
- email littlewoods and very to request to set up payment plans
- check online banking - done but overdrawn overdrawn
- put money into bank account to get out of red red and just into red
- open ebay account
- hang washing on line
- do another load of washing
- sort through a cupboard to find toot which may be another persons treasure!
- start a shopping list ready for Friday
- write in my diary - done and hopefully will get some advice!

Think that's me for now! Have a lovely day

Bobarella

Morning All
-have put some snacks in my bag for son's after school. - DONE
-Cycle all journies - DONE
-check banking - DONE
- hope for a better days trade. Yesterday was dire.- DONE
-chase up ombudsman for an update. 2 emails to my insurer regarding money agreed as mine have now been ignored. - DONE

Feeling very weary today for no obvious reason. So hope for an energy boost from somewhere.

have a good one all

Bob

Shortie

Morning all, sorry for the silence yesterday, felt like one very looong day. I need a super early night tonight

Oh, and to stop chewing over kitchen options - I'm rapidly driving myself insane, lol

Money-wise things for today:
- Free breakfast of a greek yoghurt with seeds in. They were giving them away at the train station the other day so I nabbed 3. Guess what I've got for breakfast today, tomorrow and Friday.. :-P
- Chilli leftovers for lunch
- Portion of microwaved popcorn for a work snack
- Tea and squash made in work
- Dinner planned and from the freezer
- No need to spend anything today so should be an NSD

Have a god day all x

ziggy2407

Good Morning All

Ally - Thanks for starting us off today
Desperate - You're off to a great start, well done, Ally has put a great list up that might be worth a look and give you some fresh ideas
Bob - You are amazing! I often wonder how you manage to do so much and you're pregnant too! Take it easy on yourself!!!

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
Prep 3 parcels to post -
Bake -
Craft -
Look at O2 freebies -
Continue de-cluttering -
Continue purge on Emails -
Continue purge on FB & Twitter -
Surveys -
Check Banks -
Check swapits -
Enter a few comps -
All meals from cupboards/fridge/freezer -
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

foxgloves

Greetings to all frugal friends on this fine bright morning,
I'm in the mood for a jobmongous day today. Can you tell? Several bits of it will be money saving & here they are:
*Filing - Done
*Pay credit card - Done
*Plan day out this weekend on absolutely minimum spend -Done.
*Do Avon order. Buy 3 items I need ONLY if on offer. They were - Done.
*Save energy by washing hair & letting it dry naturally. Also sweep hard floors with long-handled dustpan & brush instead of getting the vacuum out. Done.
*Enter competition to win cottage holiday. Done.
*Water greenhouse & veggie garden.
*Plant out more lettuces.
*Pick salad.
*Make bread rolls & pizza.
*Make tomorrow's packed lunch & work snacks.
*Plant out cosmos & verbena - cosmos were given to me & verbena were free seeds.
*Clear out Cupboard of Doom (Cleaning cupboard). For someone who only really uses Stardrops, soda crystals, bleach, washing up liquid & clothes washing powder, there seems to be a hell of a lot of stuff in there, which I suspect is doing sweet b*gger all. I may be some time.......
*Make a reed diffuser.
*Do a bit more work on my family tree to make best use of online genealogy memberships while I have them. Already been given an extra 2 free months as goodwill gesture over dispute.
*Read - a book I would have bought in the past but have borrowed from someone.
OK, must get a shift on. Will start with garden jobs before the rain sets in later, then coffee break & get the bread dough made. Have a good one all.......keep your hands on your pence.
Bob - Don't overdo it. You manage more physical activity than most of us on here & you are pregnant. We like Sensible Bobs on here, :-)
Love to all,
f x

xJOJOx_2

Good Morning everyone :wave:

Sister came round last night, so didn't have time to catch up on posts or get many jobs, but always nice to have company

Off to the circus this evening with the little ones, with free tickets of course :T will spend some pennies though maybe some candy floss or somthing, will have to see

I have spent lots of pennies this week, but all my own money. Just had to shift budgets around a little which is fine for one week.

So day off so will try and get some jobs done before 2, got to go in school earlier for read with child session and then eat and walk to circus, so busy busy busy

Daily Dfw's
Check online banking, pay £10 off c/c and £5 to holiday pot tick
Check freepost lottery
Check emails and Unscribe from at least 3 junk mailings

All things old skool
Wrap remaining Christmas presents and list
Order doll from ebay whilst price is cheap to go away for Christmas tick
Plant flower seeds giving me yesterday into pots in garden tick
Water vegetables etc
Make hm lasagne ready for quick tea later and save some for ds2 lunches tick
Make packed lunches ready for the morning

House and Decluttering
Tidy all rooms
Washing, ironingand putting away x2
Start anothe charity bag

Upping my income
2p roadkill
Onepoll and any other surveys
Still need to do some ebaying
Dvds on music magpie, or wherever gives best price

Bobarella

Awww thank you Ziggy & Foxgloves, very kind of you. I am and always have been a high energy person. I do not find passive relaxation easy. So for me things like gardening, walking, that sort of thing are ideal. But you are right I do need to find ways of taking it easier. My situation isn't ideal granted. But at the moment I don't see an easy alternative. The business isn't taking enough to allow me to employ anyone and it is like owning a dog, it still needs walking even when you are knackered.
Stuff I am trying to do is eat a bit more. I think my tenancy to mainline black coffee all day is not necessarily helping. And having a nice long soak once husband is home to supervise bedtime is also good for me.

Jo Jo - it must be a day for it. I found 1p in Mr T's this morning and nabbed it. As they say 'every little helps'

Bye for now

Bob

1HANNAH

Thanks Ally for the start & I hope you have a good day back at work
D2S - you sound very focused
Bob, Hope you have a better day today and that you get answers re insurance.
Jojo, Have a lovely time at the circus
Foxgloves, wow you've got loads done!
Ziggy & shortie, have a good day both
Daily

• Switched mobile off over night done
• Heating off (get fleece blankets out if needed) done
• Kids breakfast, from the use up box - porridge sachets bulk bought ages ago (before I realised how easy it was to make proper porridge!) done
• Fill water bottle at gym done
• Check FPL check first one, need to check back later
• Use nectar search
• Check Banking/update spreadsheets done dh expenses been paid so a bit of money moved over to savings
• Unsubscribe from junk emails done
• Walk to/from bus stop with boys this afternoon
• Make families lunches for school/work tomorrow

Food & Health - got to start looking after myself (need to lose about 6st)

• Make myself a berry/spinach whey protein smoothie (to take in the car for after the gym) -done
• At least 1/2hr exercise at the gym 1/2hr walk on the treadmill
• Gym - shower (using up mini shampoos samples etc) & dry hair done
• Apply make up/perfume done

• Drink warm water rather than tea/coffee save the cost & less calories too coffee first then I'll do this!
• All meals from stores - plan & prep - My lunch is leftovers, tonight is Pork, veg, mash & yorkie puds, need to cook meat in convection microwave & prep veggies
  Old school, make do & mend & use up

• Try to use something out of the use up food box used some oat so simple, flax seed & protein powder for smoothie
• Use up pamper box started with 18 nail polishes 4 handcreams 1 footcream & 3 perfumes - so far uu - 1np 2hc
• Use up household box started with 5 shower sprays - so far uu - 3/5 done
  Entertainment
• Read a few pages of a book - will do this whilst waiting to pick boys up from karate tonight
• Check Sun perks done
  Home and decluttering
• Wash a load at 30 degrees done
• Mum's picking me up a retractable washing line from B&Q with her discount today
• Check out flylady email and complete todays task
• Clean & tidy fridge Nice & tidy
• Clean & tidy freezer (update freezer list) done
• Add items to charity bag struggling to find things now
  Earning chances
• Do some Swagbucks apps running on mobile
• Check email survey oppurtunities Nothing available
• Check checkoutsmart need to resubmit a receipt thats been declined
• Check shopitize need to look at new stuff and see if anything I need
• Check TCB/Snap Save - moved payment to Amazon
• Check Quidco/clicksnap need to resubmit a receipt thats been declined
• Check totals/balances on all survey/points sites etc and focus efforts effectively. done and not far off payout on a couple of sites.
• Do Geolotto done, got 28p so on £3.48 so far
• Done the ironing and remembered to turn it off with two items to go
• My sis said she's popping to Sainsbobs, so given her my nectar card & receipt I found with a couple of points on, she'll get cust service to put points on and I hope use my card for her shopping!!
• Cleaned the outside of the conservatory whilst warm & sunny, will do the inside on another day as I'm shattered!