Thursday 24th September - What small DFW things will you do today?

ziggy2407

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:

ziggy2407

Good Morning Everyone

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.

Quiet day planned as not much needs doing, Today's little list:

Packed lunch for DH & DS - Done
Read meters & chart - Done
Chase up missing delivery - Done
Update list for "The Big C" (managed lots of bargains from Argos & ELC for grandkiddies and went thro cashback) -
Hairdresser @ home - Done
Fingers crossed freegler turns up - Yaay
Quick tidy round - Done
Continue purge on Emails - Done a few
Surveys - Done a few
Check Banks - Done
Enter a few comps - Done a few
All meals from cupboards/fridge/freezer - Done
Read library book -
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win - Done
Check Lucky Phone - Done

Have a great day, love to you all

C x

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)
  
• 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".

crazy_cat_lady

Good morning everyone - thanks Ziggy for starting us off.
Still feeling rubbish with this cold. The good news is that I don't feel like eating so hopefully I will at least be losing a pound or two on the weight front. I was up a few times during the night with runny nose/congestion/cough. Thankfully, Thursday is a less busy day at work than my other days. Small list today because I want to make sure that I don't overdo it and burn myself out.
post letters that are STILL waiting
check banking (no PAD before payday)
return the shoes I bought that don't fit
teaching 4 lessons
NSD
meals from stores (if I feel like it)
mark a set of books - ideally 2
15 mins housework and declutter
stay hydrated

allydowd

Morning DFW-Ninjas,

Thanks for the starter Ziggy.

It's been an interesting working week. Enjoyed it; stayed sane; earned a wage! And made some big lifestyle changes which will hopefully benefit my health and my wallet.

* No more checking Facebook and emails 100 times a day.
* Less multi-tasking.
* More time off the internet.
* Less pressurising myself.
* More relaxation.
* More belief in myself.
* Giving myself permission to say "no".

Debt-Free Nillionaire Month 4:

* Increased savings for Australia from 1p to £1. That's a 9900% increase. :rotfl:

* Some of our underpaid Housing Benefit arrived.

* Today is D-Day for my OH who is getting her broken bridgework removed. That means four teeth/post will be removed. On the positive side we won't be in any state to go out spending today and I can pick up the electric toothbrush I won in the dentist's competition! And she won't feel like eating much today so that's a saving too. Dentist has delayed treatment by a fortnight. We'll still be eating the post-operative ice-cream.

* Doing one week of GfK Media surveys to earn £5 voucher.

* Check broadband allowance.

* It is absolutely pouring out. Incentive to stay away from the village shop.

* Repaid the £10 I borrowed from OH's New Camera Fund.

* Re-jig budget. This is necessary on an almost daily basis as we are still receiving dribs and drabs of benefits due us and no-one has been able to clarify what exactly we'll be paid when!

* Check all loyalty points.

* Re-pay the £20 we borrowed on the 0% credit card for two days to pay our rent. When the benefits underpayments have been made and my salary is coming in regularly we will not be making this occasional borrowings. I am not going to chastise myself about this. It is planned, responsible, free, temporary borrowing to prevent us getting into trouble for non-payment of our rent.

* Do i-Say surveys.

* Free £1.50 Holland and Barrett voucher arrived.

* Call Jobcentre. They've sent me a P45 with the wrong tax code on it. One that means I'll pay too much tax. The law says it's their responsibility to sort it. They say it's HMRC's responsibility. Here we go again!

* Re-applied for Marriage Allowance. (Link)

* Completed updated Finances Spreadsheet having been very good and not obsessed and only having gone through it once this week.

Catch you later folks.

determined_new_ms

allydowd wrote: »

Morning DFW-Ninjas,

It's been an interesting working week. Enjoyed it; stayed sane; earned a wage! And made some big lifestyle changes which will hopefully benefit my health and my wallet.

* No more checking Facebook and emails 100 times a day.
* Less multi-tasking.
* More time off the internet.
* Less pressurising myself.
* More relaxation.
* More belief in myself.

Still typing...

How are you doing this ally? I'm totally addicted to being online at the moment and whenever I have 5 minutes this is where you'll find me need to live more in the real world! Trying to just go online for 15 minutes when I do but too much time on my hands means too much time online

determined_new_ms

Morning guys :wave: hope everyone is chipper the weather here is grey & dull and forecast to rain all morning. The weather is so changeable at the moment! Yesterday it was a beautiful warm sunny day!

Anyway small plans for the day:

* check banking
* probably a NSD but might pick up a bottle of wine...
* email guy about picking up mini micro scooter I bought yesterday off of fleabay (dgd's Christmas gift from me :T £15 instead of £60+ to buy new )
* email friend who lives quite near to where the scooter is to see if I can combine popping in for a catch up while I'm that way
* going to a friend's this morning for coffee and then hopefully going for a walk in the woods (and might even do some foraging if I'm lucky )
* doing a ms assignment today have a bit of a drive to it but am getting paid £25 :T
* need to wrap & post fleabay sale
* onepoll and try to catch up with surveys
* going to a friend's this evening to catch up with her and another friend (we all worked together about 13 years ago and still meet up several times a year). My friend is putting on drinks and nibbles and has said to me not to bring anything as she knows I'm not working/haven't got a lot of money.... Might pick up a bottle though...
* do a crazy hour of cleaning. Today is the last day this week I won't have little one so be good to get sorted before the weekend descends...

Ok think that's all I need to do! Have a great day everyone x

Pippilongstocking

determined_new_ms wrote: »

How are you doing this ally? I'm totally addicted to being online at the moment and whenever I have 5 minutes this is where you'll find me need to live more in the real world! Trying to just go online for 15 minutes when I do but too much time on my hands means too much time online

Mprning all.

THank you for letting me know it was BOB who asked about womble land!! Must be something in the air as I'm trying to do this too, less internet and f/b.

I now don't switch my phone on at work anymore and I have my internet before and after work. I tell the family I can check all messages/calls etc at lunchtime then its off again.

When I was doing my PhD I had to switch off the internet box for a few hours every day. Yes I was that addicted to MSE!!:rotfl::rotfl::rotfl::rotfl::rotfl:

determined_new_ms

Pippilongstocking wrote: »

Mprning all.

THank you for letting me know it was BOB who asked about womble land!! Must be something in the air as I'm trying to do this too, less internet and f/b.

I now don't switch my phone on at work anymore and I have my internet before and after work. I tell the family I can check all messages/calls etc at lunchtime then its off again.

When I was doing my PhD I had to switch off the internet box for a few hours every day. Yes I was that addicted to MSE!!:rotfl::rotfl::rotfl::rotfl::rotfl:

It's so easy to do it's it??! But what I find is I still do the things I *need* to do but am losing out on leisure time and want to stop that! With that in mind.... Better get on!

DawnW

Morning all
Thanks for the start Ziggy.
Pleased to hear that have an easier day coming up CCL
Glad to hear that your new job is going well, Ally

Today's list:
So far -
Put HG tomatoes roasted last night through the mouli to make tomato sauce / soup base
Blueberries and raspberries from the garden with our breakfast porridge

Still to do:
Hoover carpets on middle floor / dust furniture Not done this
Hoover and wash floors downstairs Or this -can't you just tell how much I love housework :rotfl:
Visit market, need potatoes Done, also bought cheap figs (too expensive normally, so a treat )
Watch what I eat, as I have put on a couple of pounds - don't want to creep back up to what I weighed before :eek: Hmm, at least I am thinking about it...
Think of something for dinner, as my meal planning has failed again I have two freezers full up, there is bound to be something! I made burgers from some game meat and some pork belly from the freezer. Also a crumble using the best bits of 2 grotty apples, some woolly tasting pears from the fruit bowl and some blackberries that I sent OH up the road to pick
Do any surveys that are available Done a couple for onepoll. Also checked the FPL.
Clear at least one garden pot Done
Fold yesterday's laundry and finish off in airing cupboard Done
Dry new load of washing on line if it stays dry Done
Chopped up some melon that has been lurking in the fridge - it will get eaten now!
Tidied up a messy area of the back garden plus the pots in the front garden (as it was a nice day for a change!)
Used some spring onions, cucumber and tomatoes from the garden
Picked some more raspberries
Harvested our first apples - just one good one which we shared, and a couple of half rotten ones. I cut the good bits off these and put them in the crumble. The apple tree is a baby one planted earlier this year, so I was surprised and pleased to have any fruit from it at all this year
Collected prescription
Sold a table in my unit Didn't get much for it, but at least it has gone - I am moving to a smaller space and wouldn't have room for it, so would have to bring it home (and I already have too many tables at home :eek:). Note to self - DON'T BUY ANY MORE TABLES!!!!
Small bit of paperwork for my business

Well, that doesn't seem a lot, but I am sure I will think of other things as I go along!

Hope you all have a good day

Pippilongstocking

Ok morning all so we've done some wombling work and we've fed mutts and chooks.

List for today.
Make a shopping list
Work 1 hour womble and see about invoicing - done yay
Work six hours garden and put in time sheet.
Walk mutts
Bit fly lady
Fold washing on airer and hang up more
HM meals and take lunch to work
Take fruit pad and check emails on that (free) and not phone
Post a couple parcels or at least get them ready to post
Maybe do some shopping if not too tired after work
Banks
Cards
Speak kids online (free)
Wrap up warm, its def autumn!!

Have a good un if I don't get back on. xx

Goodluck with the internet stuff DNM