Monday 18th 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:

Bobarella

Morning
Thanks for the start Ziggy. When do you go away?

It is looking like a very wet start here. It's just so inconsistent at the moment. Yesterday was scorching. Praying for my family not to get too soaked riding to school or me doing the school run later.
I want to make some more progress on the garden today but won't be till this evening. Yesterday I managed to weed and clear one border in the front of the house and plant 6 rosemary plants that I have grown from cuttings. I also weeded the area just outside our house on the pavement where grass and other stuff had grown up. It looks a lot tidier. I need to carry on weeding the front garden in little batches this week.

I hope for a good days trade at work.

Bye for now

Bob

La_escocesa

Hi everyone :hello:

Thanks for the kick off Ziggy! :A

Big hello to everyone else who follows :wave:

Wow - didn't my weekend go by in a blur with working on Saturday!!

I didn't even get a chance to go food shopping and we are out of porridge :eek: - there's only one solution - buy a pastry on the way to the office!

Will go to @ldi this evening to stock up on goodies :cool:

Have totted up my money spready - it's actually looking pretty good! :T I'm up about £100 a month from this time last year. When we move into our new cheaper house that will really start to make a difference, I'm sure. And I'm due a pay rise before then. Yay :T

Also continuing on my Kon-quest :rotfl: (do you see what I did there??!) - Clearing out paperwork!! Wow - liberating!

Catch up soon everyone!

:beer:

La_escocesa

Bobarella wrote: »

I hope for a good days trade at work.

Bye for now

Bob

Hello Bob - you got in there while I was posting.

Fingers crossed for that good day's trade for you - I can sense it will be - there's something in the air!

:coffee:

DawnW

Hi :hello:
Thanks for starting us off Ziggy

I see you are following the Kon Marie thread as well, La E? A really good idea if you are thinking of moving - I wish I had done this before we last moved :eek:

Hope you have a good day Bob
Pouring with rain here as well

We were supposed to be getting logs today, but the thought of trundling up and down the garden with bags of logs and stacking them in the rain has limited appeal....

So, list for today:
Check banks
Go in to Santander branch and sort new ISAs, as the interest rate on the current ones has dropped to nearly nothing. I will simply move them to new accounts at the same bank (because they offer a good deal). Why should that be necessary? The money won't be going anywhere - but if I don't do this pointless bit of admin, we get no interest, and if I do, we will get a little bit. Why are banks so cynical?
Make a loaf in the BM
Maybe make a cake of some kind
Meals from stores
Clean bathroom
Probably carry a lot of wet logs later

Hope everyone reading / posting has a good day

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

Good morning DFW-Devotees,

Thanks for the starter, Ziggy.

Had a nice long lie this morning after yesterday afternoon's opera adventure.


New Era Day 10:

:grinheart Update my Finances Spreadsheet. Done.

:grinheart Pick up OH's new camera lens from Amazon Locker at work so she can get the best out of it. Done. Very happy OH.

:grinheart Glance at library books.

:grinheart Fix zip on trousers. It fell apart during trip to opera! Hmmmm, might need to replace zip.

:grinheart Will be selective with what I read on Facebook. Will not read every single status update out of habit! Doing.

:grinheart Product test Tesco steak and get Clubcard Points in return.

:grinheart Find discounted PhotoBook offer online. All to expensive. Will hang on.

:grinheart Help OH find cheapest DVD offer online. Done.

:grinheart List a DVD for sale on eBay for OH.

:grinheart Royal Mail Surveys. Done.

:grinheart Go for a long run later if apathy doesn't set in. Too tired; giving it a miss for first time in ten weeks.


Freebies:

:grinheart Free Kindle Fire HD with home insurance. (Link)


Competition:

:grinheart Win a Nivea travel pack? (Link)


News:

:grinheart Double up on Tesco Clubcard voucher value from today. (Link)

:grinheart Another BT price rise. (Link)


Good luck with your Devotions, Devotees.

princess_pea

Morning Moneysavers,


- LSD - I need to put some petrol in the car
- Music Magpie to check - I'm still waiting for them to finish processing the stuff I sent ages ago!
- All meals from stores
- Surveys to check - I have enough to cash out a £10 voucher for some new make-up but I'm going to wait until I hit £20 so I can get everything I need without paying myself
- FPL to check
- Loads to do at work today!


Have a great (if soggy) day everyone :coffee:

1HANNAH

Morning all, thanks for the start Ziggy.
Bob, hope you have a good day's trade today (btw my clubcard vouchers have come through this morning but my mum's haven't yet)
Have a good day all, its very wet and miserable here today


Daily

• Switched mobile off over night done
• Heating off (get fleece blankets out if needed) done
• Kids to school breakfast club done
• Fill water bottle at gym done
• Check FPL done
• Use nectar search
• Check Banking/update spreadsheets done
• 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) -no, came home and finished off crumpets from the weekend
• At least 1/2hr exercise at the gym 1/2hr on weights machines
• Gym - shower (using up mini shampoos samples etc) & dry hair no, came home quick as waiting for a delivery
• 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 - all leftovers from yesterday
  Old school, make do & mend & use up

• Try to use something out of the use up food box
• 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
  Entertainment
• Read a few pages of a book
• Check Sun perks done
  Home and decluttering
• Wash a load at 30 degrees not going to as no chance of getting it on the line
• Hang washing on the line as above.
• Check out flylady email and complete todays task
• Clean & tidy fridge - if I keep on top of this daily, we don't seem to waste any food. done
• Clean & tidy freezer (update freezer list) done
• Add items to charity bag done added a tshirt (now have 2 black bags in the boot of my car ready to drop off at the cs next time I drive past.
• Check on contract end dates for both sky & talktalk
  Earning chances
• Do some Swagbucks running sbtv apps now
• Check email survey oppurtunities none available
• Check checkoutsmart done
• Check shopitize done
• Check TCB/Snap Save -done
• Check Quidco/clicksnap done
• Do Geolotto Played this early this morning so that I could payout before they stop the freebies

foxgloves

Morning Campers,
Well, bit of a soggy camper here. Just had a jog down to the greenhouse to check on veggies. It's pouring with rain, hasn't stopped all morning. Cat sulking. Today's money saving things:
*Did last of this week's laundry overnight on Economy 7 tariff (half price of day time).
*No chance of hanging stuff out to dry. It's all on the airer, but I'm hoping not to have to switch it on.
*Did rubber chicken duties. Had a roast dinner yesterday & I've divvied the remainder up to make a stir-fry tonight, fajhitas tomorrow, a stew & a sandwich filling. Everything else in slow cooker ready to switch on over night (cheap tariff again!) to make stock.
*Made tomorrow's packed lunch & work snacks.
*Baked biscuits for raffle prize.
*Did mid-month Budget Check-in. Had been feeling a bit out of control because of swapping various budgets around this month, but all is now restored to order. A stupidly big final grocery shop would NOT be good with how things are looking, but we have loads of food in, so I will aim to meal-plan to the end of May sometime this week to keep things organised.
*Transferred £30 (freed up by using survey gift cards for groceries) to savings.
Still plenty of day left & aiming to get lots more stuff done, but that's my money saving efforts for now.
Best wishes to everyone for a Great Money Saving Week.
f x

NewlyFrugalMumof3

Good Morning


After a rubbish weekend, trying to get teenage 'Kevin' to 'get it' re homework and attitude, I am determined to see the week through CCC - cool, calm & collected.


Today I have/will:


Had to drive (economically) to school instead of bicycles as its like a wild winter here today in the South West; - DONE
Had coffee at friends instead of spending at caf! - DONE
Hang washing on airer - DONE
Put dry washing away - DONE
B/L/D from stores - DONE
OU studies + tutorial online tonight - must get kids in bed BEFORE 8pm! - DOING
Walk dog at some point, in between showers & studying
Rearrange some appointments out of next week so free up study time
Check bank account - DONE


HAVE A GREAT DAY Debt Free Warriors


T x