Monday 14th September - what small DFW things will you do today?

Bobarella

As the thread title suggests this thread is for tracking the small but important actions we take every day to keep on top of the pennies and reduce the debt.
When we start our debt free journey we focus on the big things. Cutting up the credit cards. Cancelling expensive memberships. But along the way it is just as important to focus on small things that are done each day but build up to help us on the way. Examples -taking cash to the supermarket, making a shopping list,buying YS food, walking instead of driving short journies.
Good luck with your small things today.

Moonbean

Try cancel lootcrate.
Ring tax office.
Apply fir jobs / job search.
Print out Cvs.
Take trousers back.
Declutter desk.
Set a proper saving goal plan

Bobarella

Morning All

A new week a new chance to look at priorities and goals for the rest of the month.
Our day started just before 6. Going to bed early means we are finding the early starts easier. Have been up, done breakfast, & unpacked the dishwasher/put away the pots from the draining rack. I like the kitchen clear for when I get home at night.
OH is taking pasta leftovers from yesterday (we had stuffed YS peppers with pan fried onions & chorizo)
Son's lunchbox is ready to go, plus all his many and various items for school packed (recorder, home work folder,spelling folder, a cereal box for an art project!)

Have just sent a couple of emails whilst I'm up and about. The guttering at our flat needs some work but there were two suggested levels of work and OH only finally got round there to view it yesterday. His view is we can manage with the basic level of maintainance so that's the plan for the end of the month to split the cost with the other owners. So that's good news for the emergency fund. I'd rather try and take the money from monthly cash flow.

Waiting on First Utility or the other name their initials suggest (end with useless) to load up our bill. It gets later every month although the date they want paying is always the same. I can then reduce the bill now the arrears are clear.

Have a couple of small payments coming in this week so hoping to clear the £60 or so off my figure to pay below.

Have a good day/week everyone.

Bob

crazy_cat_lady

Morning Bob, Moonbeam and everyone else that follows. It was dark when I woke up this morning, which always makes it a bit more difficult to get up and start the day.
Pleased to see that the flat doesn't need as much work as you thought Bob.
Start of another busy week for me at work - barely time to turn around, but always time for a little list
check banking and PAD if I can (things are looking tight)
NSD
meals from the batch cook
mark a set of books
don't get stressed at work
go to my friend's exercise class for free
15 mins housework and declutter
I think that's it. Have a good day everyone.

lego_mum

Morning all, Thanks Bob for the start, good news that you can go with the cheaper option on the flat work
CCl - Its still pretty dark here this morning too, doesn't help with the get up and go!
Moonbean, have a good day

Its wet, dark and grey here this morning, so after the gym i'll be home to potter around the house and get it looking something like straight again after spending all last week working on the outside of the house & garden.

:starmod: Check banks/update spreadsheet done
:starmod: Check Fpl
:starmod: Check luckyphone done
:starmod: Delete junk from emails done
:starmod: All meals from stores (cancel planned delivery & make do) - put whole chicken in the slow cooker as my convection microwave has broken
:starmod: Swagbucks
:starmod: Keep an eye out for surveys
:starmod: Hoover carpets
:starmod: Rm survey done
:starmod: Claim cashback from shopit done able to claim £5 on mine and £4.55 on DH's
:starmod: Check tcb/quidco
:starmod: Clean & tidy fridge (make sure we don’t waste anything) done
:starmod: Watch catchup tv whilst ironing done
:starmod: Make butternut squash & tomato soup done
:starmod: Tidy at least one cupboard
:starmod: Use something out of the food use up box done
:starmod: Check 02 priorities
:starmod: Gather together items for the cs
:starmod: Walk at least 7000 steps to get bounts points done 7485 as at 11.39am
:starmod: Go to the gym for a class (saving £15 that I would have spent on a pt session) Planning on 5 this week done, 30 minute class & 20 minutes on the treadmill walking
:starmod: Print off free pizza voucher
:starmod: Fill water bottle at the gym done
[STRIKE]:starmod: Shower/dry hair at the gym, save my water & electricity! [/STRIKE] No there were too many people in the changing rooms and my anxiety kicked in
:starmod: Walk the boys to & from the bus stop done
[STRIKE]:starmod: Possibly pick more blackberries whilst waiting for the kids at karate
[/STRIKE] No chance in this weather!
:starmod: Saved a nectarine that had started to turn, shopped it up and put it in with the blackberries in the freezer for a weekend crumble
:starmod: Cut up an uncut loaf and frozen them sliced ready for later in the week, dh would probably just bin the rest of the loaf otherwise!
:starmod: Wrote cheque to pay for panto tickets, a friend gets them cheaper with a huge group booking saving us nearly 50% of the ticket price

Have a good day all

kayannie

Morning everyone!

I've not been around for a while as we've been on holiday in the SW with our caravan. We didn't spend a lot on the holiday - the biggest chunk went on the site fees. I took some basics from home, and did a supermarket shop when we arrived, and we took our food and drink out with us every day. I didn't feel much like eating anyway, as I went down with a cold on day one. My OH has got it now but at least we are back home so he is suffering in comfort!

I've just been catching up with you all, but only got to last Tuesday so far!

As it's a wet day here, I'm using my free bus pass to go into our nearest big town (22 miles away) as I need a few things that I can't get locally. I have a few vouchers to use, so hopefully I won't spend too much though! The bus will bring me home early afternoon, so I'll need to take a snack & drink to keep me going till then.

I found a lot of blackberries when out walking the dog yesterday, & some windfall apples. I used the apples to make a scrummy apple strudel, using a pack of frozen puff pastry that was lurking in the depths of the freezer.

I've just realised that, as from October 5th, shops in England will be charging for carrier bags so I need to accumulate as many as possible before then. I usually refuse a bag, but there are times when you do need one.

I've done a couple of money saving things this morning - the stale bread has been cut into cubes & frozen, ready to make croutons next time I make soup, and I've washed out the inner lining of a cereal box which I'll use for packing sandwiches.

Well, better go else I'll be missing that bus!

K

DawnW

Morning all, horrible, heavy rain here, so no chance to get the pile of washing accrued over the weekend dry outside Might just leave it for today, as I don't want it festooned around the house.

List for today:
Check banks Done
Clean up house after grandchildren stayed over the weekend. Done some of it, will finish tomorrow
Visit sales unit to see if stock needs topping up / tidying after the weekend. Done, several spaces where things had sold, so all good
Rearrange freezers to see if I can fit more in them :eek: Done, but still not enough space :eek:
Roast another batch of tomatoes, as I still have a basketful in the conservatory. We have had a huge amount from 6 plants in pots. I wish I had had the forethought to weigh them! Not done this yet, but did use a few handfuls in the dish I made for supper :eek:
Pick more tomatoes if there is a break in the rain No break long enough unfortunately (they don't keep if picked wet)
Pick cucumbers and courgettes Rained off
Pick carrots for dinner Used up some veg in the fridge instead
HM meals from stores - I can't think of anything I need to buy today, so also aiming for a NSD (though just as well after spending quite a lot on activities over the weekend :eek:) Done, and nothing spent :T
Any surveys that are available Done a few for onepoll. Just £1.20 off potential payout now :T

Hope everyone has a good day. Sorry to hear about the issues yesterday DNMS

Oh dear, just looked back at this and there are too many blue and purple smilies. So let's put that right:

:):):):):):):):):):):):)

determined_new_ms

Morning guys :wave: thanks for kicking us off Bob :A and I totally here you about getting up in the mornings. I don't mind it at all!

Thanks for all your support yesterday everyone :A sorry to have offloaded here

Anyway new day, new outlook! Really do wish these extremes in mood would ebb away for a while.... Day with dgd today :smileyhea she's entertaining herself at the moment while I'm whipping around and sorting the house out (rock and roll I hear you say? Damn right! :rotfl:)

Small things for the day:

* checked banking
* check plants in greenhouse and picked rip tomatoes. My large bell tomatoes just aren't ripening. What can I do???
* check onepoll
* iron, photo and write up a couple of ebay items
* all meals from stores - going to make BNS, sweet pepper and chilli soup. Will bake a cake while the oven is roasting the veg
* make the above cakes with dgd both & :eek:
* go out for a walk with dgd later on. Think we'll collect leaves and things to make a collage this afternoon keep her busy and have an "autumn" theme to the day
* 2 loads of washing and will put on the line when the rain stops. It's sunny but drizzling here
* get the FU complaint letter written (Bob your comment re FU made me :rotfl: it's funny coz it's true, eh??!) & also the letter to Sentinal
* aiming for a NSD but might need to post something

Ok that's it. No great shakes for me today, but still keeping the faith

Ratison

Hello all, nothing much to report from me, but just wanted to check in. Have arranged for someone to do the bathroom, so it'll be a frugal next few months to ensure that we can get the quality we want and then get the carpets done - all before Christmas. It's a very different situation from this time last year. Within a year, I've paid off my debt of around £3700, and also saved roughly the same amount.:beer: And we've had a big and a little holiday. I was just sleepwalking my way through my finances before which makes me so mad at myself! :eek:

So yep, just quietly plodding, making sensible decisions, and chasing up what's owed to me this week. On that note, I think I'll call HMRC now. :mad:

MinnieMousesMummy

Good morning everyone, It’s a rather damp here today which do not help with the get u[p and go esp when I have woken with a head cold.
Bob – Thanks for starting us off this morning.

My plan for today:

Send ds1 to school armed with packed lunch
Get a quick shower
Go to uni armed with packed lunch
All meals from stores
Do 2 loads of laundry
HHI x 2 and catch up with tv programs
Check banking (last pay should go in today)
Check FPL
Check lucky phone
Check and delete email junk folder
Swagbucks
Surveys
Check 02 priorities

I think that is everything that I need to get done today, Hope everyone has a good Monday x

ziggy2407

Good Morning All

Bob - Thanks for starting us off today

DNMS - So sorry to hear of your upset yesterday with DD, hope things feel easier for you to deal with today, please don't apologise for offloading here - you're among friends and we all need that support at times (goodness knows how many times you listened to my boring lists and waffle)

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.

Weather is grim here today, lots of rain and very overcast, so it'll be a quiet day for me. Today's little list:

Packed lunch for DH & DS - Done
Bump listings/stuff for sale - Done
Fingers crossed relatives turn up to collect exercise equipment -
Tidy Dining table -
Sort filing draw -
Start list for (the big) C event -
Continue purge on Emails -
Surveys -
Check Banks -
Enter a few comps -
All meals from cupboards/fridge/freezer -
Read library book -
Return library books & collect more -
Post Office -
Pamper time -
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win -
Check Lucky Phone -

Have a great day, love to you all

C x