Thursday 15th October - What small dfw things will you do today?

crazy_cat_lady

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! :money:

crazy_cat_lady

Morning all
Can't believe it isn't the weekend yet - I am SO tired at the moment. I slept a little better last night - I think perhaps thanks to the relaxation app. I was awake three times, but no struggle to get back to sleep. Wonder what the day ahead will bring...
Here's my list for today;
check banking
load of washing
hoover
plan next week
mark a set of books
keep the heating off if possible
nsd
all food from stores
do not get stressed out
I think that's it for now - have a good day everyone.

kickuptheasstime

Hi CCL!
today I'll be doing the following:
- taking lunch to work (a new habit to break an old one, working hard to keep it going this week)
- check Noddle (dreadful credit rating, but a kick to get my financial life sorted)
- check online banking
Think that's it
Have a good day everyone!
KUTAT x

allydowd

MONEY MAKING AND SAVING SITES AS OFTEN MENTIONED IN THIS FORUM:

• A Girl Called Jack, cheap recipes ( Link )
  
• Benefits check-up ( Link )
• Coupon Shop Forum list of money-off coupons (Link)
  
• eBid ( Link )
  
• Freecycle ( Link )
• Free Postcode Lottery ( 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)

List checked 29 Sept 2015.

allydowd

Morning DFW-Ninjas,

I'm up early as my body decided it was a work day when it's actually my weekend, and, as I'm changing back to nightshifts, I don't have to work now til Sunday night. This is good news. I enjoyed this week at work but I was so tired last night. Then next week I'm doing 50 hours, finally with my own team of staff who in turn are managing up to 350 people on site. Gulp! Seriously though, bring it on. :cool:

I'm going to grow this list as I do it.


Debt-Free Nillionaire Month 5:

* Getting a £1.76/hour performance-related payrise from Sunday!

* £3.30 un-franked stamp yesterday and lots of spare A4 paper in the post to write on.

* Drinking free sample tea this morning.

* Sort out RoyalMail surveys. OH has had £10 of 'free' vouchers from them this week. These are definitely worth doing, especially if you live near a post box.

* Topped up weekly pill box so I don't forget to take meds which would result in illness and income loss.

* Checked payslip. Tax code still hasn't been updated so I'm still due a rebate. Printer cartridge is running out but will use it til it's truly dead.

* Cleared emails in case they brought any money!

* Checked broadband allowance. All ok.

* Did GfK media survey.

* Checked all Loyalty points balances.


Have a good day everyone.

allydowd

News:

Martin Lewis was just on the tv talking about reclaiming over-charged TfL Oyster card fares on tube, DLR and rail. If you didn't touch out at your destination you will likely have been charged more than you should have been for the journey and should be eligible for a refund of the over-payment. This is because when you touch in at the start of a Tube, DLR, London Overground, TfL Rail or National Rail journey in London, they deduct up to £8.80 from your pay as you go credit. When you touch out at the end, they work out the right fare for your journey and the amount deducted from your credit is adjusted. If you don't touch correctly, they don't know what to charge you, so a maximum fare of up to £8.80 is deducted from your credit.

Martin said that you can log onto the Oyster website and any journeys that are 'incomplete' will show with a yellow triangle against them. You can then apply to have these refunded if, for example, you couldn't tap out because you didn't see a yellow card reader to use or the station was too crowded.

Details of how to get refunded are here. (Link)

This advice does not apply to buses and trams as you only touch in on these.

If you travel via Wimbledon there are different touching in and out rules. (Link)

WantToBeSE

Morning All

Thanks CCL for starting us off, and thanks Ally for those wonderful links!
I am joining in again today!

Not too much to do today:

-Work
-Meet with Family Worker
-Email clients about hours etc
-Therapy
-Phone council about home choice
-Check OLB
-Check Noodle
- Put washing away

Have a great day everyone!

lego_mum

Morning all, Thanks for the start CCL

Health & Fitness plans (lose this weight once and for all, no fad diets ever again!)
Walk the boys to & from the bus stop done
Gym class – aiming for 5 a week (works out to less then 80p/class!) done
Fill water bottle at the gym done
Shower/dry hair at the gym, save my water & electricity! at home instead
Walk at least 7000 steps to get bounts points
Eat for health not been good, will try doing better for the rest of the day
Drink water through the day
Monitor fitness goals etc using my fitbit daily & adjust when needed

Daily jobs:
Wash a load at 30 degrees done
Hang washing on the line if dry done
Check banks/update spreadsheets done
Delete junk from emails
Clean & tidy fridge (make sure we don’t waste anything) done
Use something out of the food use up box
Plan today’s meals from stores done its a use up night out of the fridge tonight, kids having enchiladas & salad and we'll have sc beef casserole with either jacket spuds or mash
Make families lunches for tomorrow
No heating on yet, plenty of blankets & jumpers available done, I do have a scarf on as I type!


Tidy home = Tidy mind
Hoover carpets
Clean the kitchen using minimal products done
Tidy at least one cupboard
Gather together items for the cs
Work out how to change light bulb on dh’s fancy reading lamp

Money making schemes
Inbox pounds 5 searches
Swagbucks
Check Fpl done
Check luckyphone done
Check for surveys
Rm survey done

Freebies/vouchers/offers
Check 02 priorities
Check tcb/quidco
Check cos/shopit

Extras
Sew missing button onto my winter coat & sew up ds1 onesie
Look into switching energy suppliers done

ziggy2407

Good Morning Everyone

CCL - Thanks for starting us off today, have you managed to get an earlier appointment with Dr yet?

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.

Super small and boring list today, today I will:

Packed lunch for DH & DS
Bake?
Bump all sale listings/freecycle
Continue purge on Emails
Surveys
Check Banks
Enter a few comps
All meals from cupboards/fridge/freezer
Read book (from groaning shelf)
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

DawnW

Morning all
Thanks for the start CCL

List for today:
Check banks
Find dental appointment card and write dates on the calendar so I don't forget
List of what I have / need to buy for the things I am going to make / bake for baby GD's christening on Sunday
Make and freeze some scones as that was one of the things DD has asked me to do. OH is going to cook some large pork joints for her, so it would be good to get oven things out of the way early! OH worked for a while for a company that did posh hog roasts, so he is the family expert on all roast pork related matters
Meals from stores / garden
Make tomato and basil soup for lunch, from HG roasted tomatoes
Give bathroom a good clean
Groom and exercise pup
General tidy up as the place looks as though a bomb has hit it (probably launched by baby GD and her puppy sidekick yesterday :rotfl:)
Find paperwork for OH's truck and look up when his tax and insurance are due
Walk to sales unit to see if any restocking / tidying needed
Any surveys / FPL
Put away clean laundry dried yesterday

Right, that lot should keep me busy! Hope everyone has a good day

Pippilongstocking

Morning all - waves hello. Thanks for starting the thread CCL

Work day for me.
1 hour womble - done half hour.
6 hour garden
HM meals - quorn curry for lunch - yUm, roast chook for tea
Make yorkshire mix (we've too many eggs) - free half of it.
Sort out a trip away for our anniversary
Walk dogs
Go to garage and see if car is ready from MOT
Sort living room after carpet cleaning
Wipe sides in evil ice cave
Fill up wood baskets whilst its dry
1/2 hour wood chopping
Collect eggs and give chooks more grub
Pick more tomatos
Whizz up courgette and tomato sauce made yesterday and freeze in portions for two
Wash on cold and air dry
Sort a parcel out
Take free pallet out of the car and up to the wood pile
Bit fly lady
Start work timesheet get it in tomorrow
Ipad to work, free internet on break
[COLOR="rgb(255, 0, 255)"]Banks/cards[/COLOR] weekly wages in money now all allocated.
Chat to kids on fb/skype.

OK so that's more than enough! Have a great day folks.