Thursday 21st May - What small DFW things will you do today?

twiggy86

Morning all!

Bob - you can call off the Nike's as I finally booked my mum's present yesterday!

Today I have/will:-
* Check bank
* Continue using up free foundation
* Hang washing on line
* Take lunch to work
* Book dj for mums party
* Text aunt about photos of mum - if I can get some together by next Friday I'll be able to print them in work!
* "Womble" 4 stamps from work to post invites
* Print ParkRun barcode
* Go for walk at lunch
* Earn more SBs
* Earn more on OnePoll
* Check FPL
* Dinner from stores (although no idea what!)
* Start writing shopping list
* Go to Zumba
* Wash hair and let dry naturally

Think that's everything for today!

Hope you all have a good day!

lilian1977

Good morning everyone - thanks to Ziggy for starting us and hello to everyone else, enjoy your holidays those of you lucky enough to be going away!

My things for today:

Pick up library book that has come in (forgot yesterday)
Go to Halifax and withdraw cash from DS's low paying interest account to be used for his monthly standing orders to his high paying account - it's a hassle but means he gets 6% interest on £100 a month.
Check banking - all fine, down to £0 but OH gets paid tomorrow so I do too! Free evening out tonight and lunch made so shouldn't need any more cash. Might have soup at work before I leave so I'm not tempted to get a sandwich at the station before going home.
Check freebies board
Finish my TV programme on the train home
Swagbucks - try and get to £5 Amazon cashout today

I think that's everything. Have happy DFW days all!

faithcecilia

Morning everyone!

Im all upside down and inside out at the moment, my bodyclock sort of stopped I think, so I have been up all night and am just about to try for some sleep before I am sick with tiredness:( but thought I'd quickly post first.

Went to the laundrette this morning when they first opened. While washing was in I popped to Greggs and had my *FREE* breakfast for loading money onto the app:j
Popped into Co-Op, no YS bargains today so tried Tesco, picked up a couple of punnets of blueberries with 25% extra free plus reduced by 25%:T They also had lacrofree milk at 3 for £3, only had semi skimmed and full fat so bought semi and will dilute down, so more or less 6 litres for £3, that will do!:p
Needed batteries so used Boots points :T
Hung washing out on the line:j
Did a couple of surveys, have now earned over £10 in Nectar points this week, even with a very frustrating run of 6 in a row that I didnt qualify for:mad:. I now have £15 in Nectar points in all which should more or less cover the shop I need to do this afternoon or tomorrow:A

Oh, I applied for a credit card yesterday. I havent had any credit or debt for 8yrs, and no new debt for about 12yrs and have no desire nor intention of getting in debt again. However I also have no credit history now either, so for that reason, plus the extra protection for purchases, I decided to apply for a card. My application has been referred, probably for a combination of reasons - lack of history, only a year at current address and being on benefits. I remember the anxiety I used to feel if an application was referred, the panic of how on earth would I cope if I wasnt accepted because I so desperately *needed* the credit. This time while yes I'd like to know (I am naturally impatient!) there is no anxiety at all - if I get it great, if not its not the end of the world, I will try again in another year. Nor am I worried about the interest rate as I have no intention of ever needing to pay any interest, if I get it I will use it for one or two things a month and pay in full each time. I have absolutely nothing to show for the massive debt I was once in, nothing whatsoever, but the lessons I have learned almost make it worth it, certainly I will never get myself in that mess ever again.

Right, I am going to see if I can get a few hours sleep. Hope you all have a good, frugal day:T

twiggy86

Just had a call from RAC following my complaint - getting £50 put into my bank as a "gesture of goodwill"! Lady said she had listened to my call and could clearly tell that I was stressed!!! Just shows that it pays to complain if you're not happy about something!

NewlyFrugalMumof3

Hi DFWs


I think we all need to remind ourselves to be kind to ourselves, and appreciate all the efforts we are making to become DF. In this world of high pressure, fast living and almost instant gratification, we forget that it took us considerable time to get into debt and it will take time to get out of it and we get frustrated that our thrifty/frugal efforts haven't made a huge impact.
But with the slowly and surely approach, we will get there and it will be more worthwhile and satisfying when we do.


Blimey, don't know what came over me then !! But I know that I get annoyed with self when things don't go to plan and another school letter is asking for a trip payment, or kids need new shoes earlier than we'd planned, or the boiler goes wrong etc. Keep calm and smile


So today I have/will:


Check in with friend with v poorly Dad - awaiting news from Docs at mo
Stripped our bed and washed and on line - DONE
Remade with lovely fresh sheets - DONE
One more load of clothes drying on line - DONE
Walked kids & dog to school - DONE
Tidied up - DONE
Put clothes away - DONE
Rearrange appointments out of half term week - DONE
So that I can study for OU exam - DOING
Sort kids swim/footie for tonight - DONE
Check online banking & amex a/c - DONE
Return parcel to Next
Get birthday present from Next for friend - stick to budget
Make carbonara for DH & DS dinner
Get to bed before 10.30pm - another late one last night studying!


Where has the day gone?........
x

Baileys_Babe

UThanks Ziggy for starting us today.

We were up and out early this morning as I was running a Home Education (HE) workshop this morning afterwards many of us stayed around and had an informal picnic. Back home now for a few hours then we are going to the theatre this evening.

I'm quiet envious of all of you who are going camping soon, our next camping trip has been delayed by a week, we have two HE camping trips planned for June both are very local. I need to look at the schedule and work out when we can squeeze in some family trips, at least one of which will be to Filey

Today I have/will:
LSD
Post on this thread for motivation and inspiration
Open curtains fully
Close curtains before it gets dark
Turn off lights and appliances not in use
B/L/D from stores
Set DW to run overnight
Set WM to run overnight
Unpack bags, from day out
Pack snacks - this evening
Take & eat packed lunch
Freezer inventory - update
Fridge inventory - update
Check FPL
Educate children for as low a cost as possible
Entertain children and us for free
Read Martin’s email - started earlier in the week must finish today
Dry washing on airer, weather changable and I'm not around much
HWB for children’s beds instead of heating

Ongoing project:
10 minutes shredding
Cull 100 emails

Maintainence:
Empty toaster crumb tray
Clean dehumidifier filter

Have a lovely day, I'm off now to have a coffee and continue reading Martin's email :money:

maria3104

OK peeps, can feel my finances running away from me. Have just agreed to £125 a month additional work costs, that frankly I can not afford. But, I know you have to spend sometimes to keep up with the times and this is one of those occasions. still it is a fortune to find on top of all the other I need to find! Sighing!

On a personal level I have just bought my last chest of drawers for the house we are now living in and feel I can now manage with what I have. ~at times I feel smug, one bedroom done for £30, another £80 and one, the guest room, £350 for stunning chest and £200 for a half price bed. Linen was bought 2 years ago with curtains, so room is complete and I do not think it could be nicer if I had spent treble!( I have no taste so this is not a definite)
Now, I need to refocus, get back to under £40 a week groceries and STOP buying lunches at £5 a day. Have been so grateful to be well enough to work that I have just done whatever I needed to get through each day. As I am now caught up and feeling more like a human, feel it is time to restart operation MONEY.
Watch this space...or not, may crash, it is hard to get back on track sometimes.:cool:

[Deleted User]

NewlyFrugalMumof3 wrote: »

Hi DFWs


I think we all need to remind ourselves to be kind to ourselves, and appreciate all the efforts we are making to become DF. In this world of high pressure, fast living and almost instant gratification, we forget that it took us considerable time to get into debt and it will take time to get out of it and we get frustrated that our thrifty/frugal efforts haven't made a huge impact.
But with the slowly and surely approach, we will get there and it will be more worthwhile and satisfying when we do.


Blimey, don't know what came over me then !! But I know that I get annoyed with self when things don't go to plan and another school letter is asking for a trip payment, or kids need new shoes earlier than we'd planned, or the boiler goes wrong etc. Keep calm and smile

x

Thank you, I wish I could, I feeli like I'm having a panic attack at the moment, I feel so poorly it's untrue. Nothing seems to be going right and I am just worrying with everything that we do. I know 'one day' it will be alright - but at what cost? Me feeling so sick with worry while they sort all of our claims out, them deciding we don't deserve any help and then I have to appeal, or getting another compliance check letter through again? I had a letter come through today from them saying it had now been sorted, but it doesn't help me emotionally, or my family and I financially at all right now.
Sorry for the mini-rant. Will try and smile...

YORKSHIRELASS

Hi all, just dropping in quickly, lots still to do do.

The nice people at tax credits have dropped a bombshell. We expected tax credits to go down from £650 a month to £250 but now they have sent a calculation saying it will be £65!!! DS is 16, hasnt been in full time education due to his health for 6 years and is now supposed to be in full time education in order for tax credits to continue. Need to look at this more closely in a bit.

Dog to walk, washing up to do, need a few bits from L*dl, paperwork to do for OH and DS to pick up. Not going to be a relaxing evening.

Oh on the plus side when I was ill I filed a cheque from one of OHs customers instead of banking it so the bank balance is healthier than I thought!!!

1HANNAH

1HANNAH wrote: »

Morning all,
You all sound very organised this morning!

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
Shower at the gym (make use of their hot water, electricity to wash/dry hair) done
Check FPL done
Use nectar search done
Check Banking/update spreadsheets done and checked of sant cc
Unsubscribe from junk emails done
Make families lunches for school/work tomorrow done

Food & Health - got to start looking after myself (need to lose about 6st)
At least 1/2hr exercise at the gym 1/2hr pt session completed
Apply make up/perfume done
Drink warm water rather than tea/coffee save the cost & less calories too water cooling as I type!
All meals from stores - plan & prep - gammon salad tonight for us all tonight

Old school, make do & mend & use up
Try to use something out of the use up food box used some protein powder to have a smoothie for breakfast finished off the flax seed, the box is looking quite bare now. Better go throught the cupboards again, see if I can add to the box
Use up pamper box started with 18 nail polishes 4 handcreams 1 footcream & 3 perfumes - so far uu - 1np 2hc done
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, entered a few comps
Check o2 done
Remind my sister to pick up the freebie lego with newspaper for me.text her and she did get them, so I need to dig out some cash to give her when I see her at kids swim lessons done

Home and decluttering
Wash a load at 30 degrees not enough to make a load
Hang washing on the line none today
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 (RE-WRITE freezer list as I didn't find it yesterday)
Add items to charity bag
Check on contract end dates for both sky & talktalk

Earning chances
Do some Swagbucks running apps & done a survey = enough to claim a £5 agc
Check email survey oppurtunities 3 i-say surveys done, a yougov & clubhouse survey
Check checkoutsmart done
Check shopitize added code for freebie m&m's
Check TCB/Snap Save - done
Check Quidco/clicksnap done

Just checked off my list and pleased to see how much I have acheived I've had a "down" day today, sat and watched a lot of daytime tele, binged and felt rubbish but actually after updating this, I realised that I've not been as bad as I thought
Kids have just had a bath, they're now in their pj's playing with the xbox for half an hour before heading up to bed to do some reading so I've got my pj's on, a cuppa & looking on here
Hubby isn't going to be home til 9.30ish tonight as he's been away with work today, so maybe get a few more surveys done whilst he's not here.

Have a nice evening all