Wed 20th 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.

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

Good morning DFW-Devotees,

Work day today, so short, uninspiring, unadventurous list


New Era Day 12:

:grinheart Check online banking.

:grinheart Bought DVD through Flubit shopbot (Link). £1.56 cheaper than my usual suppliers. Will use again for sub-£10 purchases. More info on shopbots here (Link).

:grinheart Taking wraps for packed lunch with a wee tupperware box of filling so I can fill them 'fresh' at lunchtime.


Good luck with your Devotions, Devotees.

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 )

Bobarella

Morning Ally & all who follow

Today I will be
- Keeping my purse shut & making sure my bank balance doesn't change. 9 days till OH gets paid. All essential planned bills have been paid so just travel for OH & food to manage. DONE

- Cycle all journies today. Saving around £5 on travel card.- DONE

- We had the Mr T Orchard Steaks last night. So free meat and very nice it was too. For tonight I plan to do pasta and veggies. - DONE

-Take snacks for son's after school journey home. Keeps us from buying junk when he's hungry. - DONE

- Keeping the heating off & not using the tumble. I called and spoke to First Utility last night which was worthwhile. We still have a deficit of £230 on our account after the administration issues they had before the winter started. We currently pay £105 toward this every month but the cold period meant we weren't really clearing anything. Now we seem to be down to £88 a month usage. So it will go down slowly. But anything we can do to help get to 0 is a good thing.

- Look for roadkill. Seem to be finding a few pence a day again at the moment. - NADA today, but 30p in tips

Hope everyone has a good day.

Bob

1HANNAH

Thanks Ally for the start, hope you have a good day.


Have a good day to all that follow too


Its lovely and sunny here so far this morning As I need to go into town with my mum (using her staff discount to get DH some new tshirts) I''ve decided that I'm going to do my exercise in the fresh air (as the gym is in the opposite direction to the town) so this will save some fuel cost. Got him 4 t shirts & me a swimming cossie & pair of shorts using mums staff discount card. Neither of us need anymore clothes for the summer now

Daily

• Switched mobile off over night done
• Heating off (get fleece blankets out if needed) done
• Kids to school breakfast club no changed plan, they've had breakfast here using sachets of porridge out of the use up box
• Fill water bottle at gym no filled it at home instead, as I'm going to go for a run out doors rather then in the gym
• Check FPL done need to check again later
• Use nectar search
• Check Banking/update spreadsheets done and geo lotto free money arrived
• Also cleared the desk and cleaned it
• ds1's bank statement has come and they've paid the interest net instead of gross, looked back on last years and they'd done the same thing then but I've missed it I was on depression meds then and not on top of things ) Spoke to my Financial advisor (aka my dad) and he's going to draft a letter up for me to send to the tax man Also going to look and see if the kids money would be better in Santandeer rather then Halibobs, as with the latter their money doesn't show up on my online banking anymore.
• Unsubscribe from junk emails
• Walk to/from bus stop with boys this afternoon nope they're at the dentist tonight straight from school!!! Thank god I checked my calendar!
• Make families lunches for school/work tomorrow
• Buy newspapers to get the kids free lego done
• read martins email
  
  Food & Health - got to start looking after myself (need to lose about 6st)

• At least 1/2hr exercise at the gym going to try running ourdoors for the first time in a loooonng time! done it was very slow but I did it
• Apply make up/perfume

• Drink warm water rather than tea/coffee save the cost & less calories too coffee first then I'll do this! On the water now
• All meals from stores - plan & prep - kids/sis/niece tea is prepped and ready (burritos using left over bolognaise) Cooking a gammon joint for me & hubby will prep a salad to go with it
• 
  Old school, make do & mend & use up

• Try to use something out of the use up food box porridge sachets, used up a box of dates making protein balls for after the gym tomorrow/fri. Used some ys stork to make some protein powder/peanut butter cookie things.
• Make a date cake using ood dried dates (about 22 packs left in the cupboard now!) done
• 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 done
• Check Sun perks done
• 
  Home and decluttering
• Wash a load at 30 degrees done
• Hang washing on the line done
• 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) arrgghh the lists been taken off the freezer!!
• Add items to charity bag - done and took 2 bin bags full to the cs whilst in town
• Check on contract end dates for both sky & talktalk
• 
  Earning chances
• Do some Swagbucks running app now
• Check email survey oppurtunities done
• Check checkoutsmart added a receipt & sis picking up a couple of bits for me
• Check shopitize done
• Check TCB/Snap Save -done
• Check Quidco/clicksnap sis picking up a couple of bits for me
• Check o2 priority done
• I'm sure theres more to go on my list but I can't think as little man is wittering in my ear!!

1HANNAH

Morning Bob, Have a good day!

La_escocesa

Hi everyone :hello:

I was trying to get into work early today but not yet anywhere near ready to leave. Didn't sleep very well last night - noticed something wrong with my work at 6.30pm yesterday and since then I have been:
a) wondering how the hell it happened in the first place (conclusion is just me not thinking about what I was doing),
b) getting annoyed for talking about my mistake rather than just fixing it before anyone even knew there was a problem, and
c) thinking about how to fix it.... annoyed that I could have done a lot easier/myself if no-one knew about the mistake in the first place but now I need to jump through all of the corporate hoops rather than me just fixing the bleeding thing before anyone knew there was a problem anyway....
Phew, thanks for listening!

Apart from fixing my mistake (hopefully under the radar...) I'm going to:

• - brekkie at home - no croissants for me
• - packed lunch
• - OH slow cooking something for me, ready for when I get home :A
• - class planning
• - bit of biz planning - emails
• - continuing my Kon-quest - paperwork :cool:
• - checked banking - move some money around

What a soggy grey day here!!

xxxxx

Wow - Hannah - just spotted your list! You are on the ball!! :T

twiggy86

Morning all!

Today I have/will:-
* Check banks (well bank as phone reset and get onto my online banking for other account!)
* Continue using up free foundation sample
* Take lunch to work
* Rejig spreadsheet for next month - can afford to pay for car repair and allow £200 for MOT and service
* Pay £3.26(!) received from TCB and QuidCo off CC - update spreadsheet, snowball and signature - noticed I hadn't updated sig last time I paid money off
* Print barcode for ParkRun at work
* Check FPL
* Earn more on OnePoll
* Earn more SBs
* CALL AND BOOK MUMS PRESENT! (yes you can kick me!)
* Call brother to discuss music for mums party as didn't manage to get hold of him yesterday
* Call garage re radio code as not heard anything yet and it's driving me nuts not having music in my car!
* Go to bank to sort out how to log into online banking, order new card and pay money in
* Order cake for mums birthday
* Put music on phone whilst at parents
* Go with dad to party venue to finalise arrangements
* Pick up MIL on way back from parents as she's popping round for the evening

Quite a busy day for me then!

Hope you all have a good day!

twiggy86

Just caught up on yesterday's post and now I'm slightly worried for my safety! :rotfl:


Great news about your OH Hannah!

allydowd

La_escocesa wrote: »

Hi everyone :hello:

I was trying to get into work early today but not yet anywhere near ready to leave. Didn't sleep very well last night - noticed something wrong with my work at 6.30pm yesterday and since then I have been:
a) wondering how the hell it happened in the first place (conclusion is just me not thinking about what I was doing),
b) getting annoyed for talking about my mistake rather than just fixing it before anyone even knew there was a problem, and
c) thinking about how to fix it.... annoyed that I could have done a lot easier/myself if no-one knew about the mistake in the first place but now I need to jump through all of the corporate hoops rather than me just fixing the bleeding thing before anyone knew there was a problem anyway....
Phew, thanks for listening!

Happens to me all the time.

lilian1977

Morning all

Thanks for starting us ally

Not much going on for me today - been invited to OH's work colleague's wedding reception but it will require an overnight stay so I'm trying to get him to have a think about how much we NEED to go as it will be over £100 once the B&B cost and drinks are factored in.

A book I have been looking forward to reading is available for collection at the library so will go and collect that today, and then head to Virgin Lounge for a free brew and to finish my current book.

Had my free Waitrose coffee this morning on the way to work, very welcome in this weather.

Was up at 6.30am this morning as usual but managed to find time to make a sweet potato and mixed bean stew so that's now in the fridge, much better than making it tonight as now it has all day for the flavour to develop. Will serve with some microwaveable rice that we stock up on when it's cheap for last minute dinners. Lunch and snacks already made so hopefully no spending today.

Still dreaming of my holiday although the dream has now progressed into wanting to get the mortgage paid off so we can save to move there when we retire (30 years away yet!).

Have good DFW days all! x