Wednesday 11th Nov - what small DFW things will you do today?

ClootiesMum

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 are important. :money:

ClootiesMum

Not quite a 6am start but at least not a 4.30 one today.


Hill Street Blues - thanks Ally - that was a good programme


but a quick update for today before heading off to the office


Proactive MSE-ing

• E-mail to Blue Badge people to confirm that DH will attend assessment next week
• Look on Amazon for pressie for niece's 5 year old daughter who has a birthday this week. Think Disney/dress up/pink sort of thing

Winter prep

• Populate car rucksacks with winter stuff to be kept in cars (appropriate timing as storm is on its way)

Christmas prep

• Decided I'm not doing Christmas this year
  • This still stands (but all pressies gratefully accepted )

Round tuits

• Unloved sock drawer will be tackled tonight - oh yes it will....
• Set up OWL to monitor electricity usage

Good habit forming (28 days to set a habit into daily routine or something like that - I'm going for 1 a week)

• Post on here once a day 17/28
• Get up at 6 am on work days 10/28
• Tidy house before going to bed 2/28

Happy cheapness and freeness

• Bit more Walking Dead

Painful - but gotta be done

• Check banks
• Tidy bedroom shelves and hoover / wash carpet - DH is off tomorrow and if I don't do this today he'll do it tomorrow and leave himself exhausted and in pain)

Mins game - 40/465
Will find stuff on bedroom shelves


And that's me for the day so far


Have a good day y'all and be careful out there

allydowd

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

• 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)
• Jack-At-A-Pinch, cheap recipes ( 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)

Revised 31 Oct 2015.

ziggy2407

Good Morning Everyone

Clottiesmum - Thanks for starting us off today

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.

DS feeling much better (but still looks rough) is adamant that he is not missing anymore time so is going back. Today I will

Packed lunch for DH & DS -
Dig out Leek & Potato Soup recipe & make -
Bump all sale listings/freecycle/facebook -
Complain to Paypal -
Check Banks -
Continue purge on Emails -
Craft -
Continue decluttering -
Enter a few comps -
All meals from cupboards/fridge/freezer -
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win -
Check Lucky Phone -

Have a good day! Love to you all!

C x

ClioScott

Morning everyone

Got quite a lot on today

Pop overs to fathers house to check up on him & do some cleaning.
Go into Barclays and ask for statements dating back 4 years on a old account.
Go to Natwest for a balance and to order a new card
Daughters nursery parents evening
Pop some old car bits on eBay
Finish spreadsheet off

Have a excellent day everyone!

Scott

determined_new_ms

Morning thanks for starting us off CM :A

Been up since 7 and the house is still asleep. Just having a quiet coffee :T

dd hopefully coming today, we had a lovely day when she visited on Saturday so hope she makes it.

Plans for today:

* all meals from stores
*[STRIKE] grab something out of freezer for dinner[/STRIKE]
*[STRIKE] Need to wash dgd's bedding as she wet the bed last night. No idea where I'll hang it to get dry![/STRIKE]
* [STRIKE]gardening :j the garden bin gets collected today.[/STRIKE] Is it sad that this is a real excitement in my week??!
* [STRIKE]will put a wheelbarrow of shrubs in a neighbor's bin[/STRIKE]
* free activities with dgd
* photo items for fleabay & list
* post ebay sale
* [STRIKE]read martin's email[/STRIKE]
* make flapjacks

Ok that's all I can think of right now. Have a great day y'all x

allydowd

Hello,

Post and run...came home from work at 5:30am to find OH had accidentally put the chain across the front door and was sound asleep. Woke up the whole glen trying to wake her to let me in.

Debt-Free Nillionaire Month 6:

* Counted up how many vouchers etc we have. About £30 in bits and bobs.

* Planned this week's spending in detail. Don't know what to do for entertainment this weekend.

* Work, very hard.

* Ordered prescription online for speed.

Have a good day everyone.

ClioScott

Just went out to find out the car wont start!, already got loads to do as it is.

Looks like another thing to add on to today's things to do.

La_escocesa

Hi everyone :hello:

Thanks for the kick off CM :A
Ziggy - hope your DS is ok at school
Busy day CS! Hope the car starts playing ball!!
DNMS - I love this quiet time of the morning too :coffee:
Oh dear Ally - your poor OH trying to be all security concious

• Well, I did my voluntary work yesterday. :T Took hours trying to get my head round it (volunteer for an Ombudsman) but finally sent off an email. I was cheeky and did a bit in work's time It is work-related but I've got no official time for it there and I did work until 6.45 so I shouldn't feel so guilty...
• Haven't emailed yoga peeps but will still have time hopefully
• Used pixabay for free images for promo material; used picmonkey for free photo editing
• Washed lunch tubs in work - v important one for me as otherwise it's just an excuse not to take lunch
• Shifted some money about so almost everything is at 0% now - can start making some real inroads now we're living in a much more affordable house - rent is £250 a month cheaper than our rent was and council tax is around £100 pcm less
• Taking something back I don't think we'll use x 2
• Quiet night in - Apprentice night :cool:
• Still using the same mooncup I bought about 5 years ago (TMI? )
• List a roll of wallpaper for sale? - not worth paying the postage for a refund as think it might sell for more as I got it v cheap, but then I think I may as well return it cos not many people want just one roll in case it's a different batch etc... Hmmm one to think about...

Keep smiling troopers!

xxx

allydowd

< Oooo. I got another new badge. So did lots of you.

allydowd

• Still using the same mooncup I bought about 5 years ago (TMI? )

Same here.