Friday 3 July 2015. What small dfw stuff will you do today?

maria3104

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:

maria3104

Morning all

Foxgloves, get better soon. I had flu in Feb and it was a real bad strain. Recommend lots and lots of rest and fluids and first sign of anything odd get in an ambulance. Take care of yourself. Miss your updates.

Kayannie love your life. Bob good luck working pregnant in this humid heat.

Everyone else new and old to thread, MORNING. Todays jobs:
Ducks and geese and chucks out. Done
Washing out. Not yet
breakfast. done
Pay tax and accountants invoices. not yet
checked banking. Done
Swim 30 lengths not done
work. not done
hoover upstairs and mop wooden floors not done.
Clean kitchen not done.
Watch wimbledon. not yet.Loving it.

Have a good day everyone.

Maria

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 )
• NHS Minor Ailment Service article (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 Maria. Get well soon Foxgloves.

Quick post because we're off to the beach on the Isle of Bute for the day.

New Era Week 8:

:grinheart Driving to the ferry port 5 miles away. Then going as a foot passenger on the ferry and then making the 15 minute journey to the beach at Ettrick Bay by bus. This is half the price of taking the car over. All out of our entertainment budget.

:grinheart Taking a camping stove to have a barbecue for lunch.

:grinheart Won't spend anything in the shops over there, except to buy good local sausages for the barbecue.

:grinheart Entertainment will be flying our kites, chilling out and perhaps swimming.

:grinheart Paid Council tax on time. £108/month. Diabolical!

:grinheart Do Royal Mail Surveys.

Good luck with your Devotions, Devotees.

Bobarella

Morning All

Thanks for the mention Maria!

Morning Ally

So just did my first small thing of the day. A payment of £2.36 to CC1 which brings me to a round figure now. I will have to consider when the next payment can be made. This PAD concept is rather addictive though!

Sorry for the short post, am also moderating this month's NST Challenge so have been at that this morning

Later all

Bob

DawnW

Morning all :j
Thanks for the start Maria

Hope you enjoy your day out Ally - sounds great

Right, list for today:
Washing done and out on line

Check banks

Make a loaf in the BM

Hoover round

Phone insurance company re query over renewal documentation

More tidying up in garden - as items in pots finish, I am cleaning and putting away the smaller ones, to make watering less of a chore. There is more room coming available in the veg plot now, so less need for things like radishes etc to be grown in pots. I will keep the really big ones planted up though! I use lots of pots to maximise my growing space early on, as I only have a small garden. When big things like the potatoes and broad beans come out, there is lots of space freed up (though sadly no more potatoes or broad beans).

Pick and deal with any produce that is ready

Any surveys that are available

Meals from stores (I will make a big pot of bolognese today, to use up bendy vegetables)

Right, coffee finished, now get on!

Have a nice day everyone

ziggy2407

Good Morning All

Maria - Thanks for starting us off today
Bob - What's "NST" ?

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.

Little list as plan to make most of nice weather

Packed lunch for DH - Done
Buy son's birthday pressie (ready for Tuesday) -
Washing & Line dry -
Keep "bumping" my for sale posts -
Continue purge on Emails -
Continue purge on FB & Twitter -
Surveys -
Check Banks -
Enter a few comps -
All meals from cupboards/fridge/freezer -
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win -
Read - Need to pick new book from shelf

Have a great day, love to you all

C x

twiggy86

Morning all!

Today I have/will:-
* Post on here!
* Check banks
* Take lunch to work
* Update work expenses
* Go for a walk/sunbathe at lunch
* Check FPL
* Check TCB
* Earn more on OnePoll
* Earn more SBs
* Dinner from stores
* Sort out money to put in bank once OH gives me all his money! (Ok not all - I'm not that mean!)
* Wash on 30 degree quick wash and hung on line
* Sort out post laying by door mat and use envelopes for shopping lists etc
* Go to Lidl to get things for picnic tomorrow
* Change bedding to wash tomorrow

Hope you all have a great day!

1HANNAH

Good morning from sunny South Wales

Thanks for the start Maria.
Get well soon Foxgloves.
Twiggy your comment re OH's money made me :rofl:
Ziggy, hope you're son enjoyed his school trip
Dawn, have a good day
Bob, your signature is looking good
Ally, your day sounds like its going to be lovely


I need to be more productive today so quick list for now then I'll be back to add more in a bit


:starmod: Kids to breakfast club
:starmod: 45mins exercise at the gym
:starmod: Fill water bottle at the gym
:starmod: Check banks/update spreadsheet
:starmod: Wash 2 loads at 30 degrees 2nd one in now
:starmod: Washing on the line
:starmod: Clean & tidy fridge ready for Mr T delivery
:starmod: Pick up library books I've ordered My dad is going to get them for me
:starmod: Clean the kitchen using stardrops
:starmod: Swagbucks - ordered a £5 today and £10 yesterday
:starmod: Check emails for surveys 1 isay avail will check back later if I get chance
:starmod: Check emails and delete/unsubscribe from junk nice clean inboxes



That's it to start with, I'll be back in a bit


Have a good day all.


:starmod: Checked luckyphone (similar thing to FPL)
:starmod: Added AGC to amazon from TCB - Amazon gift fund now over £250 with another £15 pending
:starmod: Claimed a free clover cooking spray on Mr T delivery
:starmod: Printed off m&S giftcard that they sent after I complained about a product
:starmod: Took extra plain paper out of the printer and hid it from the kids as we have loads of other scrap paper that they can use but they keep taking the good stuff as they walk past it!
:starmod: Post has been and I've got a cheque from birds eye for a Try it free promo that I'd forgotten about
:starmod: Regifted a present that I got for my birthday last week to a friend whose birthday is next week & written card from stash
:starmod: Wrapped a gift from stash that I have bought in the sales for a kids party tomorrow & written card from stash
:starmod: Ordered Days out tokens from Mr T ready for the summer holidays
:starmod: The washing baskets are empty and I've just finished off the ironing, just the socks left out on the line now
:starmod: All meals from stores. B-bread for toast out of freezer, L-smoothie using banana & frozen berries with spinach, milk and protein powder out of my use up box D- kids finishing off HM veg soup followed by a Ys pizza. We are having fish, mushy peas & parsnip/sweet potato chips (the parsnips were verrryyyyy bendy!)
:starmod: Checked Shopit/cos and got sis to pick up the freebies on offer

kayannie

Thank you Hannah, Twiggy & Bob for the warm welcome yesterday. I can't promise to call in every day as the days seem so full of things that must be done!


It was beautiful here first thing - low lying mist over the fields with a hint of the sun breaking through (something to do with all the rain we had yesterday?).


I got up very early to take my dog for a long walk, but he emerged from his slumbers unable to put his one paw to the ground. I thought he had probably got pins and needles which would wear off, but can now see that he is sore in between his toes. I'll see how he progresses as the day wears on, but I expect we shall have to visit the vet.


Just cycled to the local shops to use a Danone yoghurt voucher for 50p off a pack of 4. The 'NIS@' shop has them on offer for £1 so got a 4 pack for 50p.


I need to sort out insurance for our caravan - just had renewal notice and it has gone up by 30%! Why does it cost more to insure a small caravan than it does a 2 year old car?


Ally - enjoy your day on the Isle of Bute. We had a holiday there about 10 years ago in the camper van that we had then, and it was such a friendly relaxed place where people waved to us as we drove by.


Must have a coffee before I feel up to tackling the insurance!

Claree__x

Ooh can I join? I've only got a wee bit of debt but trying to save/pay it off and wee things day to day are what's killing me.

My husband is out for dinner tonight with work so normally I'd phone a Chinese but since I've now started a spending diary and don't want to write it down I'll just make myself something - probably super noodles or something equally as guiltily scummy