Wednesday 2nd September 2015 - What small debt free things will you do today?

determined_new_ms

xxxJOJOxxx wrote: »

DNM
I'm on £32 on Onepoll. Race Ya? Haha I forget to check sometimes though

It's on JOJO!

twiggy86

Morning all!

Bob - sorry you had a rude awakening and a scare but pleased it was nothing.

Legomum - hope you feel better today

CCL - hope first proper day back goes well

Greensalad - well done on your complaints!

Hi everyone else!

Today I have/will:-
* Get rear end out of bed early and do fitness DVD!
* Check banks
* Check FPL
* Take lunch to work
* Pay £5 reward off CC
* Update spreadsheet, signature and snowball
* Go for a walk at lunch
* Call gym re free pass I have
* Earn more on OnePoll
* Go for a run
* Dinner from stores
* Submit meter readings
* Hoover bedroom
* More crochet!

Think that's everything for today. Hope you all have a good day.

twiggy86

As Ally's not around today - I'm posting the helpful list she normally posts!


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 )
• You Need A Budget site and App (Link) New link!
  

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

lego_mum

Good morning all.

Thanks Bob for the starter. What a horrible way to start your morning. I'm glad to hear though that there wasn't a problem at work.

Ziggy, Thank you. Dh is back at work (although still feeling nauseous) and I'm hoping the meds kick in quickly. Hope you have a nice day, is your ds back to school today too?

Greensalad, I agree the resolver tool is fab.

Twiggy, Thank you. Hope you have a good day.

Jojo, I'm the same, its been a lovely summer with the kids at home, the house seems very quiet this morning.

CCL - Hope you have a good day back at work, what age kids do you teach? (sorry if I'm being nosy!!)

Dnms, An afternoon of swimming. cake & drink sounds lovely

The boys looked so handsome (even if I do say so myself :rotfl:) this morning as we waited for the school bus. I don't know were the months are going, :eek:

Todays list
Load of washing at 30 degrees on the quick wash :starmod: Done
Hang out above load :starmod: Done
Strip & wash our bedding :starmod: In the machine now
Hang bedding on the line :starmod: Done
Breakfast was ys brioche burger buns that I got for 10p (pack of 6) last night when I was picking up prescription from Mr t's at 7.30pm :starmod: yum
Walk the boys to/from the bus stop rather then using the car :starmod: Done
Will do the above at collection time too :starmod: Done
Clean Kitchen using stardrops :starmod: Done
Check banking/update spreadsheet :starmod: Done
General tidy round :starmod: Done house looks lovely tonight
See if I can add to the cs bag I have, planning on taking it to the cs on Friday
Gym :starmod: Done, wanting to get back into routine so I went and walked for 35 minutes, can't do too much with my throat as, as soon as I exert myself I end up coughing.
Make tomorrow sandwiches :starmod: Done
Decide whats for tea tonight from stores Done, turkey dinner should be nice
Rm survey :starmod: Done
Luckyphone Done
FPL
Swagbucks
Do at least 7000 steps to earn points on Bounts towards a gift voucher :starmod: 8430 steps as at 11.23am

That's enough to be starting with, have a good day all.

foxgloves

Morning Frugalistas,
Money saving things I have done so far today:
*Fed veggies.
*Skinned 2kg of tomatoes to make chutney - just bubbling away on the hob now. Kitchen smells like autumn, though a few wasps have come in to investigate until they were shown my 75p fly-swatter!
*Sterilized free recycled jam jars received from M-i-L.
*Made chicken & mushroom supreme for tonight's dinner with the rubber chicken I divvied up
yesterday.
*Made tomorrow's packed lunch, using the very last of the rubber chicken.
*Froze 3 containers of the chicken stock I made in the slow cooker yesterday.
*Checked for surveys, but apart from the quick click Toluna polls, I was getting kicked out of everything, so decided to use my time in a more productive way. I'm getting close on Toluna, Onepoll & Ipsos, so hopefully once surveys start appearing again in greater numbers after the bank holiday break, I'll be able to get to cash-in on all three of them.
*Checked our bank account to see if mr f's £40 payment from Onepoll has arrived yet. Nope!
Hoping for a little bit of leisure time later, as I have to go out to a meeting later this evening. Aiming to update my blog, read & cast on jumper I'm going to knit for a present, as I haven't managed to do that yet.
Think that's everything.
Ratison - If you check in today, I left you a post last night about our new bathroom.
Cheers all, will need to bottle this chutney in 20 mins or so by the looks of things.
f x

foxgloves

Bob - What a nuisance about the alarm going off in the night. Not only is it a disturbed night, it's that worry of not knowing what will be found when you get there. Glad it turned out to be nothing & that mr Bob was ok. Glad you didn't go, as you need to be taking care of the Bobbino.
f x

ziggy2407

lego_mum wrote: »

Ziggy, Thank you. Dh is back at work (although still feeling nauseous) and I'm hoping the meds kick in quickly. Hope you have a nice day, is your ds back to school today too?


Do at least 7000 steps to earn points on Bounts towards a gift voucher :starmod: 8430 steps as at 11.23am

That's enough to be starting with, have a good day all.

Yes, DS was back to today and I thought how handsome he looked too - he looks so grown up and is turning into a lovely young man - can't quite believe he's in his 2nd year at senior school it's racing by far too quickly for my liking

I'm being nosey now (again) - what are "Bounts" ?

Hope you're having a good day!

chocolatelover93

Hello everyone!!
Bob - sorry to hear that!! Glad all is ok though

Here's what I'm gonna do today:
- Working till 3.00
- Have a look around Tess and Co to use voucher I got for being amazing
- Did bring in £3 for a roast at work today but didn't get a chance to go on my lunch break so it will be a £3 meal deal.
- Go pick up my mum's tablets
- Go to mums (having dinner there and watching GBBO!!)
- Bump items I've put on FB for parents (get 50p for each thing that they sell!! Not a lot but they help me out a lot so I don't mind helping them out)
- Write a letter to the PIP people
- Look for a new house to rent (need somewhere bigger and found out yesterday we have a leaking roof!!)
- Purge emails
- Check FPL
- Do a couple of surveys

I think that's about it! I have more that I need to do but theres not enough hours in the day!! Need to start going back to the gym regularly, I'm paying for it!! Also need to do some washing but not at home so a bit hard!!

allydowd

greensalad wrote: »

I'm a tad worried about a cheque payment on my account. I paid in a £50 cheque on Saturday. It showed up on my bank statement on Sunday but set as 1st September (yesterday). I compared my balance on YNAB against my balance on my bank and my bank is exactly £50 down, so I figured it was the cheque. However, my bank account available balance is still £50 down. It shows 'balance' as £150 and 'available balance' as £100. I'm just hoping that although that cheque has been recognised it hasn't been paid into my account just yet... otherwise I'm £50 down

Quick post and run.....

Popped in to reassure you, GreenSalad. I'm a former banker. This is all absolutely 'normal'. The UK banking system is a bit crazy but the way cheques are processed is set in stone.

When you pay in a cheque at the weekend it won't usually have the weekend date on it. This is because bank computers think the banks are 'closed' on weekends so they put a weekday date on those transactions. So don't fret about that.

When you pay in a cheque the available balance will be down. This is because a cheque takes a few days to clear and so that cheque you paid in isn't available until it has cleared. So, again, please don't fret about that. The £50 isn't missing it's just not available yet. It is definitely in your account, though.

In a couple of days the cheque will clear and you're available balance will go up by £50.

If you want the exact dates:

-If your bank account pays you interest the cheque will start to earn interest today.
-On Friday the cheque will clear and you'll be able to spend the money and your online banking should start to make sense again! However, if you take the money out on Friday it can still 'bounce' if the person who wrote it has nothing in their bank account to pay it on Friday. For this reason many people don't spend that money at this stage in case something goes wrong.
-Next Tuesday (8th Sep): the cheque can no longer 'bounce'. The payee has had the money taken out of their account and the money is safely yours to spend.

If anyone wants to see and perhaps bookmark the cheque clearing date chart there's one here. It's NatWest but banking law requires all UK banks to keep to the same schedule. (Link) Chose the day you paid the cheque in on the left and then read across the line to see the fate of your cheque. Or, if that hurts your brain, type the date you paid the cheque into the account into this calculator and it'll tell you what'll happen when. (Link)

Erm, that wasn't a quick post was it?!

Baileys_Babe

Bob Thank you for getting us started today, so sorry about your alarming start to the day, glad it was a false alarm.

Hello to everyone and wishing Ally well with her busy day.

Twiggy thank you for posting Ally's helpful list.

Today:
Open curtains fully
Post on this thread for inspiration, motivation & support
Turn off lights and appliances not in use
Close curtains before it gets dark
Dry laundry on airier
NSD
Check FPL
Soak porridge overnight
Run DW overnight
Run WM overnight
B/L/D from stores
Wash hair and let in dry naturally
Cull 100 emails
Entertain us and the children for free
Educate the children for free
Read Martin's email

I am spending the day using a very slow website to sort out some of our HE experiences for later in the year, all of them are free :money: but it is taking so long to load each page, as it is loading I am reading MSE, thanks guys for keeping me sane. When DNMS made a pot of coffee I popped out to the kitchen to grab a cup (from our pot).