Monday 19th 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

Good morning everyone
Hope nobody minds me starting us off again. I feel a bit like I've taken over the thread. I hope it's just that the rest of you are lucky enough to be sleeping rather than busy.
Well, the end is in sight for this half term - just one week to go. I've deliberately not made many plans for the half term because 1. I think I'm going to have to go into work at least for a couple of hours to catch up on marking, 2. I've got no money and 3. I desperately need some R&R for a few days.
Here's today's list:
check banking
load of washing
give dh a list of jobs to do while I am out today
nsd
go to my friend's exercise class
go to both kids parents evening
mark a set of books
full day of teaching
try not to stress
all meals from stores pre prepared
Have a good day everyone.

determined_new_ms

Morning ccl thanks for starting the thread - I am totally psyched that you've been starting the thread so no worries here! I'm always up at the crack of dawn (sorry Dawn that sounds weird :rotfl:) and waiting for the thread as I'm lazy! Hope you have a super efficient day today x

Bob good news about the clinic yesterday :T

Small things for today:

* [STRIKE]an hour in the garden chopping up the shrubs I cut/dug up yesterday so I can get them in the garden bin/a bag to go to the tip[/STRIKE]
* all meals from stores
*[STRIKE] get a couple of fairy cakes out of the freezer for dgd during the day[/STRIKE]
[STRIKE]* checked cc to see if it's been issued and if I can go shopping today. It hasn't so the creativity of using up stocks continues (quinoa, rice & seabass tomorrow....)[/STRIKE]
* was thinking of going to a play group today but have decided to stay home and have a garden day. Will get a bowl of water, some jugs and other water suitable equipment and let dgd play with that while I'm in the garden . Probably will walk down to the park this afternoon as long as it's not raining
* read up on ms assignments & get oh to print off paperwork
* look through job vacancies I've booked marked and decide which ones I want to apply for and work out when I need to start them. Might get a chance to start one if dgd has a nap
* photo and list some bits on fleabay this evening
* try to squeeze in some exercise of some sort....
* flylady the bathroom

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

WantToBeSE

Morning All Thanks CCL for starting the thread, i love having it up and ready when i wake up!

Not much to do today. My main aim is to get my older son out for a walk.
Apart from that...

-Start Christmas Shopping
-Hoover upstairs
-Check OLB

Anice relaxing one today

Moonbean

★ - Done
☆ - Not done


☆ Tidy desk
☆ See partner
☆ Job search 1hr
★ Uademy course #1
★ Uademy course #2
☆ Sort junk box under desk
☆ Hoover
☆ Wipe floor

ziggy2407

Good Morning Everyone

CCL - Thanks for starting us off

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.

Today I will:

Packed lunch for DH & DS
Bump all sale listings/freecycle/facebook
Check Banks
Shopping with list
Post Office
Continue purge on Emails
Surveys
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 good day!

C x

lego_mum

Morning all, Thanks for the start CCl.

Health & Fitness plans (lose this weight once and for all, no fad diets ever again!)
:starmod: Walk the boys to & from the bus stop
:starmod: Gym class – aiming for 5 a week (works out to less then 80p/class!)
:starmod: Fill water bottle at the gym
:starmod: Walk at least 7000 steps to get bounts points
:starmod: Eat for health although peanut caramel icecream for a treat tonight for hubbys b day
:starmod: Drink water through the day
:starmod: Monitor fitness goals etc using my fitbit daily & adjust when needed


Daily jobs:
:starmod: Wash a load at 30 degrees
:starmod: Hang washing on the line if dry no wind so not sure i'll dry! It dried
:starmod: Check banks/update spreadsheet
:starmod: Delete junk from emails
:starmod: Clean & tidy fridge (make sure we don’t waste anything)
:starmod: Use something out of the food use up box
:starmod: Plan today’s meals from stores
:starmod: Make families lunches for tomorrow DH left his lunch on the kitchen counter this morning so just the kids to do DONE
:starmod: No heating on yet, plenty of blankets & jumpers available :D

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

Money making schemes
:starmod: Inbox pounds 5 searches
:starmod: Swagbucks
:starmod: Check Fpl
:starmod: Check luckyphone
:starmod: Check for surveys A quick one on sb is all today
:starmod: Rm survey

Freebies/vouchers/offers
:starmod: Check 02 priorities
:starmod: Check tcb/quidco
:starmod: Check cos/shopit - Picked up a freebie bottle of coke, that I will pack away for our few days away next week

Extras
:starmod: Sew missing button onto my winter coat & ds's medal
:starmod: collect onesie ordered from Matalan
:starmod: Pick up free pizza from Mr t done
:starmod: Made a chicken curry using a slowcooker spices thing free via cos
:starmod: Made another date cake, I think I may have not put the right amount of flour in the one dh took to work for his birthday today :eek:

foxgloves

Hello Monday MSE-ers,
Couldn't seem to get myself going this morning, but giving myself a verbal kick up the bum seemed to do the trick & I'm managing to achieve quite a few money-saving bits on my list:
*Did laundry overnight on cheap tariff. All drying outside on the whirlygig. Washer loaded for same again tonight.
*Made dough for tonight's pizza & some bread rolls (now proving, will be shaping it after I've signed out).
*Did 1 hour of gardening. I often used to do this, but was inspired by DNMS's plans to spend an hour or so on the garden each day. Took the kitchen timer out with me. What a lot it's possible to do in just 1 hour! I weeded the lettuce bed & cut some leaves for a salad tonight, emptied out 3 troughs & stored them away in the shed, moved 2 troughs of frilly lettuce into the greenhouse to extend the season a bit, watered seeds & stuff the greenhouse, then watered the Christmas tree, cut a handful of tiny courgettes (unlikely to get bigger now the nights are cold) to slice up & add to tonight's pizza topping & gathered up another 5lbs of pears. Was just taking my muddy boots off to go & put the kettle on when the timer pinged to say that was my hour! Shall defo be doing that again!
*New insurance policy docs arrived so cancelled the dd on old policy (Provider was supposed to have done this, but hadn't, so glad I looked).
*Did a One-poll survey. I need every one I can get now, as am only 50p away from cash-in.
*Did another survey for the online brand community I'm on at the moment, as have done quite well with vouchers for this over the past year.
*Ordered nephew's Christmas present from John Lewis on Click & Collect. This service now charged at £2 for orders under £50. Not too bothered, as visiting John Lewis in person is a 35-mile round trip & eye-watering city-centre parking. Also, only 3 left in stock, so just wanted to get one for him.
*Bake cake (fundraising) for meeting I'm at tonight. If everything's in stock, it does work out a cheaper option than going out & buying a bottle or similar.
*Possibly bake some pear & lemon muffins for freezer. Useful for packed lunches as well as popping in handbag to eat with a coffee instead of buying coffees AND cakes.
*Did a tiny budget update.
*Make tomorrow's packed lunch & check train times for getting mr f to train station.
*Make list of stuff I need to do in town tomorrow while I have wheels. Whooo-hooo! Defo only want to be paying 1 lot of parking, so need a list.
Hopefully a bit of leisure time between finishing today's baking & going out tonight. Hope everyone's getting off to a good start this week. If not, file today under 'Over & done with' & re-start your week tomorrow.
Cheers,
f x

DawnW

determined_new_ms wrote: »

Morning ccl thanks for starting the thread - I am totally psyched that you've been starting the thread so no worries here! I'm always up at the crack of dawn (sorry Dawn that sounds weird :rotfl:) and waiting for the thread as I'm lazy! Hope you have a super efficient day today x

:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

Thanks for the start CCL

Baby GD was christened yesterday, which was lovely but entailed lots of chores for me, so a slow start today

So far I have:
Been to sales unit to tidy up / restock. Sold an item immediately so that was good

Not spent anything

Finished up meusli 'dust' for breakfast, various leftovers for lunch

And that is it

Still to do:
Tidy up :eek:
Unload car and put away the sales items I bought back from the shop
I hour in the garden (like Foxgloves, I am pinching this idea from DNMS)
Walk and groom pup
Pile of mending that I STILL haven't done
Leftover ham from yesterday for supper
Sort out OH's truck insurance, making sure they deduct the cost of the optional extras that they seem to have included in the renewal correspondence :mad:
Check banks
Measure pup for a coat for the cold weather, assuming I can keep him still for long enough :rotfl:
Check prices of very small dog coats online

Well, it doesn't seem a lot, but I will be happy if I get it all done!
Hope you are all having a good day

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

Hello,

Oh my gosh. 10.5 hours N.I.G.H.T.S.H.I.F.T! That was ok but pretty full on! :eek:

Then I came home and I was very disciplined and and went immediately to bed. No tv, no DVDs. Then I tossed and turned for two hours and then the builders hammering started next door which they continued to do all day. Got a grand total of three hours sleep.

So what have I done that's DFW?


Debt-Free Nillionaire Month 5:

* Spent nothing.

* Brought home crisps uneaten from packed lunch. Will have another day.

* Didn't listen to the radio in bed. Electricity saving.

* Did the SIM shuffle.


Have a good evening everyone.