Mon 3rd Aug - What small DFW-style things will you be doing 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

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 )
• Resolver tool. Helps you draft a letter, send it, monitor replies and then escalate it to an Ombudsman or key complaint body if it's not sorted. (Link)
  
• SayNoTo0870 cheap phone number finder ( Link )
  
• Survey sites that pay for your opinions ( Link )
• Swagbucks ( Link )
• Swapit ( Link )
• Tesco Orchard product testing (Link)
  
• Tickety Split cheap train tickets (Link)
  
• Toluna ( Link )
  
• TopCashBack ( Link )

If this list helps you today please click "Thanks".

allydowd

Morning DFW-Jedis,

It's a Bank Holiday here and I want to get a lot of things done today indoors as it looks like the weather is going to be ghastly again.


Nillionaire Month Two:

:grinheart Do Royal Mail Surveys. Done.

:grinheart Go to Sainsbury's for Goat's Milk through Shopitize with a £1 refund. OH wants to make cheese with it.

:grinheart Do an important, long paper form. Done. Took all morning.

:grinheart Do a short online form. Done.

:grinheart Finish deep cleaning Darth Pantry where the deep freeze and the canned and packet food storage shelving is. I started this and got distracted. I need to pull everything out as it hasn't been properly cleaned for 6 months! I suspect it'll be grim in there, if Darth Larder is anything to go by, but there may also be treasure among the tins and packets. Done.

:grinheart Lunch was homemade cauliflower cheese using up scraps of salami.

:grinheart Paid Council Tax on time.

Back later...

Stay away from the dark side, Jedis.

1HANNAH

Morning All, Thanks for the start Ally, hope that your weather improves today


Here its wet this morning too, so thinking of tidying up this morning and possibly getting our packing sorted for next week. If the weather improves the boys want to take daddy to the park to play tennis....fingers crossed


Switched mobile off over night done
Heating off (get fleece blankets out if needed) done
Use nectar search
Do Post survey
Do 5 searches on inbox pounds done
Check Banking/update spreadsheets
Unsubscribe from junk emails done
Apply make up/perfume
Drink warm water rather than tea/coffee save the cost & less calories too
All meals from stores - plan & prep -
Try to use something out of the use up food box
Use something out of pamper box
Read a few pages of a book
Wash a load at 30 degrees its wet so not going to bother
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.
Clean & tidy freezer (update freezer list)
Add items to charity bag
Ironing - switch off before last item to use residual heat - need to iron bedding for spare room for inlaws coming later in the week
Check FPL
Do some Swagbucks
Check email survey opportunities
Check checkoutsmart
Check shopitize
Check TCB/Snap Save -
Check Quidco/clicksnap
Check 02 priority
Check http://ashleighmoneysaver.co.uk/ for daily chance of winning £50 Done
Check https://www.luckyphone.co.uk/ - like FPL done
:heart: Aim to walk 10000 steps minimum (as this will also give me a few points on bounts via my fitbit)
Reading with ds2 done
Maths with ds1 & ds2 done
Spelling with ds's
Look to see if I can find a full battery app for ios like Ally suggested.
Order a new bra from Triumph online, sign up to newsletter and to get £5 off first order Done
Ordered a replacement battery for my laptop from amaz0n using gift cards earnt on sb's (would have probably just bought a new laptop in the past )done
Ordered 2 vue cinema tickets for me & dh to go and see Mission Impossible - used 1000 nectar points via their http://www.nectar.com/summer-rewards.points Summer rewards offer Done, kids are sleeping at my dads after Karate tonight so we can go tonight
Order ds2's birthday card using app on IOS, called postsnap using free credit for referring a friend Done
Order both ds's a present (for ds's birthday we always buy the other one a little something too) -Ordered from Mr t direct, 79p cheaper then everywhere else we looked
:heart: Done most of our packing for our trip to bulins next week

twiggy86

Morning everyone!

Haven't caught up on the weekend's thread, but hope you all had a good weekend!

I had a productive weekend around the house doing lots of cleaning! Pulled everything out of little bedroom and cleaned and tidied (even changed a light bulb!) so it now looks lovely but still needs some personal touches! However, I thought my ankle was better so went for a lovely long walk with the dog, helped OH in the garden and cleaned lots and apparently my ankle wasn't completely better so its now really achey!

Confession time though was that it wasn't a great weekend moneywise and I'm not really sure what went so wrong! But onwards and upwards (or downwards for the debt!) And my first mortgage overpayment went out today!

Today I have/will:-
* Check banks
* Check paypal - no OnePoll payment yet
* Wash on 30 degree quick wash - didn't bother as was raining and now it looks dry!
* Take lunch to work - SW style lunch as used to do it so know roughly what to do!
* Catch up on weekend's thread
* Create next months spreadsheet already to work out roughly how much I can give to OH as bday present as he's going to Vegas!!! Alright for some!
* Earn more on OnePoll
* Earn more SBs
* Transfer money to friend for cinema tickets
* Dinner from stores
* Find out SW books from when I did it before
* Take doorbell back to Lidl as some bits missing
* Sweep bathroom
* Mop bathroom, kitchen and hallway
* Possibly start sorting and cleaning second bedroom
* More crochet (finally feel like I'm getting somewhere but a long way to go yet!)

Think that's everything! Hope you all have a great day!

greensalad

Getting back into money saving after holiday!

- Cancelled WeightWatchers for £21.45 a month. Instead have purchased diet shakes to try and to the 5:2 diet for 4 weeks. I've tried with Slimfast before and it does work, just get bored. £16.99 for the month and hopefully it'll give me a 4 week kickstart.

- Signed up to Clearscore, it's free! And more up to date than Noddle

- Made the decision to combine all my savings pots into one big pot (cash ISA) and use YNAB instead to keep track of what belongs to what. It has a much better interest rate (not that it works out more than a few pence!)

SMGee

Wow you guys are doing loads!

I'm keeping it simple by not spending any cash today. I dug a tin of beans out of the cupboard and took the last of the naughty soft white bread to work. Then it's slightly out of date cous cous with veggies for tea.

I have to say I am a bit of a food hoarder, so I reckon I can go a week without actually buying anything - I just have to get my head around that as a concept!

SMGee

greensalad wrote: »

- Made the decision to combine all my savings pots into one big pot (cash ISA) and use YNAB instead to keep track of what belongs to what. It has a much better interest rate (not that it works out more than a few pence!)

Can I ask what YNAB is? I've seen it mentioned a couple of times x

DawnW

Morning all
Thanks for the start Ally

Wet here first thing, but dry and sunny-ish now

List for today:
Wash kitchen floor due to another doggy accident Done
Check banks
Investigate washing basket, see if there is a washer load
Ironing- failed here yesterday
Make a really huge pot of chilli, to feed us, but also to freeze for OH to take on his annual fishing trip as part of his food contribution (and he can help with all the chopping etc!)
Read my Home Farmer magazine, which has just appeared through the door with the post
Do any surveys that appear Done 3 for Onepoll already
Freeze French beans, they need picking nearly every day at the moment
Take new items to sales unit and tidy up
Shopping, Waitrose this week, as I have vouchers
Pay a cheque into the bank
Water anything in the garden that needs it
Pick any produce that is ready (bound to be beans!)
Stick to diet
Make a cake, as 12 year old grand daughter is coming to stay for a couple of days tomorrow, as Mum and Dad are both working, and big brothers are both away Where they live is a bit isolated, and nobody thinks that it is a good idea for her to be on her own for log periods, though she is very sensible. We will do some fun things while she is here

Hope everyone has a nice day

DawnW

SMGee wrote: »

Can I ask what YNAB is? I've seen it mentioned a couple of times x

It is software called 'You Need a Budget'. Lots of people on here swear by it, though I must confess that I haven't tried it myself. There is a free trial version, I understand

SMGee

DawnW wrote: »

It is software called 'You Need a Budget'. Lots of people on here swear by it, though I must confess that I haven't tried it myself. There is a free trial version, I understand

Thanks Dawn!

I use Money Dashboard which probably has similar elements. I quite like it now, but when I was always in the minus figures I didn't enjoy it so much