Tuesday 20th October - What small DFW things will you do today?

allydowd · 20 October 2015 at 5:01AM

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:

allydowd · 20 October 2015 at 5:03AM

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 · 20 October 2015 at 5:06AM

Hello,

Just in from work and unwinding for half an hour before bed. Had a really positive shift.

Just a mini-list for today:

Debt-Free Nillionaire Month 5:

* Spend nothing.

* Brought home can undrunk from packed lunch. Will have another day.

Have a good evening everyone.

Bobarella · 20 October 2015 at 5:39AM

Thanks for the start Ally. Glad you had the energy to power through it.

My whole family have come down with the sniffles. Son has a cold but OH and I are both experiencing sore throats which is a bit horrible. And headaches. Boo. It's that time of year isn't it.

I have worked out that it's 45 days till my son finishes school for Christmas. I can't wait! I love that period. I will be off the whole time and OH normally manages a fortnight. It's the carrot I'm dangling now to get through the sniffles and various other things.

Hope everyone has a good Tuesday.

Bob

crazy_cat_lady · 20 October 2015 at 6:19AM

Morning everyone

Thanks for the start Ally - pleased that work went well in spite of being tired.
Bob - hope you're all feeling better soon.
I'm up and aching from my exercise class last night - I can tell I'm getting out of shape...

Must get back on the wagon.
Here's today's list

check banking

empty loose change from my purse into money box

full teaching day

mark a set of books (now very urgent as I'm 3 behind)

leave a list of jobs for dh

make sure that the heating stays off

try not to stress (remember it's only 3 more get ups till half term)

try and encourage ds with some positive behaviour
Have a fantastic day everyone

determined_new_ms · 20 October 2015 at 6:53AM

Morning guys :wave: thanks for starting us off ally! Glad you had a good shift

Bob hope you and the famalam get better soon - scary to think how little days there are until the festive season :eek:

Cat hope you get through the day and manage to get some marking done :A

My plans for the day:

* [STRIKE]check banking & cc statement - we are overspent on the gc this month

so no surplus next month...[/STRIKE]
* [STRIKE]get dgd ready for cm's & make pack lunch[/STRIKE]
* spend at least an hour in the garden - think it will be more as am going to finish off cleaning the greenhouse today :T which means once that's done I can plant the garlic & onions :j Done 1 1/2 hrs already and haven't even started cleaning the greenhouse! Gosh wish I could just do this all day

* photo & list things on fleabay
* do ms assignment
* start one of the job applications
* check onepoll
* [STRIKE]finish off writing up shopping list for next 2 weeks[/STRIKE]
* [STRIKE]put washing on line as it looks like it's going to be a nice day[/STRIKE]
* [STRIKE]get seabass out of freezer for dinner[/STRIKE]
* write up Tesco orchard review
*[STRIKE] book MOT[/STRIKE]
* texted mobile mechanic to provisionally book him for any work needed on my car. Will only be able to do if it's not too expensive

[STRIKE]* freecycler coming to pick up a load of plant pots not needed (all very small pots)[/STRIKE]
* wrote up a list of veg I want to grow next year and worked out what I need to purchase

Ok better go have 20 mins to get dgd ready! x

lego_mum · 20 October 2015 at 7:07AM

Morning all, THanks for the start Ally, good to hear you had a good shift.
Bob, hope you and yours are all feeling better soon.
Ccl, I ache this morning too

Dnms, Do you fancy cleaning out my greenhouse when you're done?? pleeaaaassssssssssssseeeeeeee lol
Health & Fitness plans (lose this weight once and for all, no fad diets ever again!)
:starmod: Walk the boys to & from the bus stop nope as I had to leave early & its swimming tonight
:starmod: Gym class – aiming for 5 a week (works out to less then 80p/class!) did my own thing at gym as class would have made me late for school service
:starmod: Fill water bottle at the gym done
:starmod: Shower/dry hair at the gym, save my water & electricity! done
:starmod: Walk at least 7000 steps to get bounts points

:starmod: Eat for health
: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 not enough of a load
:starmod: Hang washing on the line if dry nothing to hang out
: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
:starmod: No heating on yet, plenty of blankets & jumpers available 

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

Money making schemes
:starmod: Inbox pounds 5 searches

:starmod: Swagbucks
:starmod: Check Fpl

:starmod: Check luckyphone

:starmod: Check for surveys
:starmod: Rm survey

Freebies/vouchers/offers
:starmod: Check 02 priorities

Free coffee for my friends
:starmod: Check tcb/quidco
:starmod: Check cos/shopit

Extras
:starmod: Sew missing button onto my winter coat:

Only a quick one from me this morning as I need to head out to the gym early as its the boys harvest festival at 10am then meeting a friend for cuppa after. £1 into the collection box at the church. Coffee at Nero and using my 02 priority app, I was able to get my friend a free coffee
Popped into Mr T's and got some ys mangos

Have a good day all x

Rosylee · 20 October 2015 at 7:27AM

Morning,I am shattered. I worked until midnight last night. This would be the downside of working from home.

Anyway jobs for the day:

* Full days work

* Pay CC. Tried to do this at midnight as the transaction for the trainers I bought for Christmas pulled through and I don't want to incur any interest but it did not work. But will ring HSbC to double check as I don't wish to make a payment twice

* All meals from stores

That's it. Have a good day

DawnW · 20 October 2015 at 7:31AM

Morning all

Thanks for starting the thread Ally - glad work went ok.
Sorry to hear about the sniffles Bob - just what you could do without

Right, today's list:
Check banks
Post office survey stuff
Go to market, and pop into sales unit, which is virtually next door, while out
Pay in a cheque
Also take a couple of items to the charity shop
Walk into town for free exercise and to save fuel
Any surveys that are available
FPL
Sort out OH's truck insurance (didn't get to this yesterday)
1 hour in the garden - might plant the garlic - ground will need clearing first

I hour cleaning and tidying in house (thought I would try this as well)
HM meals - think of something exciting (not) to do with yet more trout. Wonder if a curry would work? Must do some research. I am still using the food I had to cook when OH inadvertently turned off one of the freezers recently. Obviously I refroze it once cooked.
Groom and walk pup later
Take pup to free socialisation / training class run by our vets practice this evening
Measure pup for a coat (didn't get to this yesterday either)

Right, better get on! Hope everyone has a good day

determined_new_ms · 20 October 2015 at 7:38AM

Foxgloves can you talk me through your worm composter? What equipment you needed to start, general start up costs, what it takes to do etc? Am thinking about starting one up x

determined_new_ms · 20 October 2015 at 7:44AM

lego_mum wrote: »

Dnms, Do you fancy cleaning out my greenhouse when you're done?? pleeaaaassssssssssssseeeeeeee lol

All depends on where you live and how much you'll pay me. But at this point I'm open to most offers of work :rotfl:

Tuesday 20th October - What small DFW things will you do today?

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