Wednesday 9th September - What small DFW things will you do today?

determined_new_ms

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 important!:money:

Morning :wave: happy hump day everyone (not that it makes much difference to me! :rotfl:)

CCL I really felt for you when I read your update yesterday I hope today is clamer for you and you get a chance to do some marking & lesson planning x

So today I have LOADS to do!

* interview this morning :eek: just about to have a bath & do my hair. Then will run through my presentation & interview prep...
* take load of washing to ex-mil's
* pick up another load at oh's parents
* complete ms report
* check banking
* read martin's email
* not a NSD as need to get dgd nappies, so will get a few other bits so I can have NSDs over the next few days
* wrap & post 2 ebay items
* photo & list some items on fleabay
* sort out the washing machine
* onepoll 95p to go :T
* write a complaint to First Utility
* job search

Try to have some downtime as well! Ok better get on x

PurpleFairy26

Morning DNMS :hello: good luck with your interview come back later and tell us how it went.

My list for today:
Just put a load of washing on at 30, just catching low rate
Quick fly lady in kitchen
PAD to CC - think I might get a bit addicted to this :rotfl:
Doctors and dentist later :eek: dentist should be part paid for, need to check when I get there
Meals from stores, DH stretched meat we normally have in one meal over 2 - rest tonight. He's getting the hang of this
Message friend about time to collect FB item
Deliver customers orders, may do this in the day as WFH in other job so can poop out
Try and list 2 bits on ebay tonight - start small and all that
Update Christmas (sorry did I just type that word :eek::rotfl:) present spreadsheet so I know what I've still to get, try and work out what I have excess in the pressie fund and then take it out and pay to CC To reduce further
Must do DH car insurance today to, see if he has cancelled the other.

Thinks that's about all. Have a good day everyone.

crazy_cat_lady

Morning all
Another busy day ahead no doubt but I wanted to pop on and say good luck for the interview today DNMS. Everything crossed for you.
I have another full teaching day, meeting after work and it's DS football training tonight so goodness knows how I will get anything else done, but there is a list!
check banking and PAD
read Martin's email
load of washing and hopefully get DH to hang it out for me
work
DS to football practise
15 mins housework and declutter
ask the Head about a training course that I want to go on
make sure I either plan next week or mark a set of books
try and mark one set of books while the class are working (or try peer marking)
See you later :A

lego_mum

Morning all,

Not got time yet for a proper post but wanted to say thanks for the start DNMS & good luck with the interview

lego_mum

Morning again!
Todays list in no particular order..
:cool: Walk the boys to the bus stop done
:cool: Breakfast was ys yogurt, with a handful of oats & a large banana shared between us done
:cool: Wash a load on the 30 degree quick wash done
:cool: Hang washing on the line as its sunny here done
:cool: Make tomorrows sandwiches done
:cool: Make a date cake
:cool: Paint board with blackboard paint for the dart board
:cool: Ironing if I get chance
:cool: Hopefully pick more blackberries whilst kids in karate tonight done
:cool: Walk to collect the boys off the bus tonight done
:cool: 30 min gym class (saving £15 each time instead of having a pt session :eek: ) done
:cool: Fill water bottle at the gym done
:cool: Check banks/update spreadsheet done
:cool: Check lucky phone done
:cool: Check FPL done
:cool: Surveys done
:cool: Delete junk from inbox done
:cool: Swag$s - haven't done much on here at all this week must get on. done the games but that's about it
:cool: Claimed £10 sainsbob from p!inecone surveys done
:cool: Rm survey done
:cool: Renew library book so's not to get a fine done
:cool: Chop up ds2's part eaten pear from yesterday and add it to the pot of blackberries in the freezer.done
:cool: Emptied my bag and found a sweet that had gone all sticky in the pocket, in the past this would have meant binning the bag but not no more! Cleaned the pocket out with a scourer & bit of water - job done
:cool: Caught up on last weeks Eat well for less, omg I can't believe how some people go on!

That's enough for now, as I want to hang the washing out before the gym Have a good day all

chocolatelover93

Good luck with the interview DNMS!! Let us know how it goes!!

Not feeling too great today, had a Dominoes last night and the pizza was SOOOO greasy think it's made me ill so no £3 calvery for me at work today!!

Good news though I actually did everything on my list yesterday (woo-hoo) quite pleased with myself here's what I'll be doing today:

- Breakfast from stores (wish I hadn't eaten now though!!)
- Skip lunch (naughty I know but really don't feel well, might have a couple of biscuits or something?)
- Dinner at mums tonight (will ask her to make me something light I think!!)
- Go to EA and pay fee's and hand in wage slips etc.
- Fill water bottle at work FREE instead of buying drinks
- Check FPL (my postcode will be changing soon so my currency one better win before!!)
- Write a list of people I need to tell about moving (not going to contact them until I have move date, but I like to be prepared)
- Write a blog post
- Find my engagement ring!! (woke up this morning and it wasn't there not too worried, it's probably in my bed somewhere!!)
- If I get time put some bits on FB selling pages
- Write Christmas list (sorry to be another one mentioning it but like to get it done and out the way)

I think that's about all for today

allydowd

Hi gang,

Just a quick post. We're in town trying to work our way through all the various bits of chaos. Need to stay in the library until a valuable email comes through. Will post more in later.

Keep your hand on your wallet, folks.

xxxJOJOxxx

Dnms Still got a little way to go on one poll. keep getting kicked off at the moment :-|

Yesterday was a naughty day. I brought a new dress and had a takeaway. Back to it today. I do need a few key items for me and the little ones my autumn/winter wardrobe. Need to write a list and start getting them gradually, otherwise I'm at risk of buying things because there cute.


Daily Dfw's & Pure Money
Check Online Banking ~tick~
Check Emails & unsubscribe where needed
Check budget & transfer money where needed
Put a little cash away to start a going out fund
Free Postcode Lottery ~tick~

Home and Decluttering
Sort out dress Wardrobe donate/sell
Hovver & mop whole house
One load off washing
Iron & Put away clothes

All things old school
Write shopping listfor tomorrow
Mend clothing
Shorten a old dress, will convert well into 70's dress for this season
Prep packed lunches for tomorrow ~tick~
All meals from stock

Upping My Income
OnePoll ~tick~

Leisure, Entertainment & Wellbeing
Drink water morning, night and with each meal
Do some sit-ups
Park on way home from school for little ones
Netflix's

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 )
• LuckyPhone free lottery with loyalty rewards (Link) New!
  
• 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".

allydowd

Afternoon DFW-ers,

Good luck DNM.

Bob: I love the old sitcoms. I've got quite a few series of them they pass the long, late afternoons when, like this week, I'm having a break from exercise.

Chocolate: Hope the ring turns up. A piece of my jewellery fell on the floor yesterday but luckily I heard it land.

Have managed to accomplish quite a lot today and now I'm very tired.

Nillionaire Month Four:

* Free Physio from OH.

* Checked Finances. Still waiting on energy company refund and outgoing PayPal payment.

* Signed on at the very lovely Palais de Jobcentre. At least that'll result in a proper payment for us both on Monday and, to be fair, the advisor is a reasonable sort of chap.

* Took a letter into the Council by hand complaining about incorrect calculation of Housing Benefit. They say we should be getting the same amount after an income drop as before the income drop. They're doing us out of £35 a week by only agreeing to pay 48% of our rent because they've got it in their head that we're still getting Tax Credits and we're not. And they've already had all this in writing.

* Limit caffeinated drinks to three coffees today.

* Turned alarm clock off at the wall til tonight.

* Did job-seeking tasks. After a phone conversation I'm hoping things will soon be going in my favour.

* Popped into the library to deal with an urgent email without using my mobile broadband allowance. Looked for a book I wanted but they didn't have it.

* Washing out on line.

* The local church heard of our financial hiccups and have given us a food parcel: four carrier bags full! Very kind of them, there must be £20 of food in there. Though we're going to be eating some strange combinations of food this week. And we're something-other-than-Christian too. We'll volunteer to mow their lawn or something in return. Really unexpected. Maybe it was 'karma' paying me back for helping a lost tourist get back to his cruise ship in town this morning...


Have a good day all.

Offer:

* Got an email saying "If you’ve got a parcel weighing up to 20kg you can get it delivered the next day from just £4.99 + vat with DPD's Pickup service. We have managed to negotiate an exclusive price for Parcel2Go customers and this is now the cheapest in the UK for parcels weighing between 2kg and 20kg. For convenience, you can drop it off at any one of DPD’s 2,250 drop-off points. DPD will collect it from there and deliver it within the UK the next day."

twiggy86

Afternoon all!

I have a question for my freezer-friendly-frugal friends! I made some mash a while ago and froze it. Defrosted it yesterday to put on top of a cottage pie for dinner tonight. It has gone all watery and a bit of a funny looking texture/consistency. Of course, I used it anyway and will hope it's edible later, but is there anything I did wrong? Just made it as usual and froze it.

DNMS - I hope your interview went well.

Anyway onto today:-
* Check banks
* Take lunch to work
* Take gym clothes to work so can go straight to circuits after work to save rushing and petrol (started later so I could finish later as tonights session is near work)
* Not have extra cuppa before work
* Check Mr A receipt which I wombled on my walk this morning - not a winner!
* Go for a walk at lunch
* Fill water bottle up at work
* Earn more on OnePoll
* Check FPL
* Go to circuits
* Dinner from stores
* More crochet! So close to getting finished and I've lost motivation!

That's everything I can think of for now. Hope you all have a good day.