Friday 20th November 2015 - What small DFW things will you do today???!

Candy0107

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:

Yay !! Friday - wide awake so I thought I would start the thread nice and early.

Today I have/will:

• breakfast & lunch from stores
• off out for dinner with a friend - hubby is treating me
• charge my phone from my work pc
• will be getting a free coffee at work (loyalty card)
• half day for me today, so i need to work stupidly hard
• will drive at 50mph to and from work
• will walk into town later - will treat myself to a coffee instead of paying the bus fare
• hope to do 7,000 steps to get bounts points
• getting a bus to meet hubby after work - we are taking one car out tonight and hubster doesn't like my car
• I'll be paying out cash today - no cards (getting back into the swing of cash only)
• i have phoned the restaurant we are going to tonight to ask about corkage etc - £6 on a bottle of spirits - they can whistle.......I'll be on soft drinks
• hoping I get some feedback for the interview.......the new contract starts 1st Jan, and so much to do in the meantime
• need to buy a lottery ticket for tonight
• checked online banking
• check up on my friend - I didn't from her yesterday so just need to make sure all is well

OK, that's enough from me, hugs to those who need them !

Take care,
Candy xxx

PurpleFairy26

Hi Cnady, thanks for starting. :hello: and to all that follow. You know when you're up early as neither DW or WM have finished on cheap leccy :rotfl:

My list for today:
Empty above when finished
Heating only on fir 30 minutes to take edge off
Checking banking, aim for PAD
Volunteer tonight, will set my items out for sale tomorrow so don't have to rush in the morning, managed to label all I wanted last night
Run for free exercis
Work from home, convinced colleague to Skype with me rather than driving 2 hours each way to meet her. So more time to do work or (possibly finish early )
Meals from stores
Quick tidy round, get ahead for weekend
Try to get in to town and bank cheque

Think that's all, have a good Friday everyone

ziggy2407

Good Morning

Candy - 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.

Am exhausted today, more mental than physical - the result of 12 telephone calls from mum yesterday despite spending time with her. Have to take mum into town (she wants new underwear and a new coat), hubby working strange hours today so will pick us up from town on his way home, so only one lot of public transport to contend with. Today I will

Packed lunch for DH & DS - Done
Take mum to town
Wrap birthday pressies for weekend -
Bump all sale listings/freecycle/facebook -
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

crazy_cat_lady

Morning Jonno and Candy (thanks for the start) :waves:
I've survived until Friday. Without having marked a book this week - I'm SO angry with myself for doing this :mad: so guess what is an essential on the list today?
It's absolutely freezing so I've had to put the heating on this morning. I think it would be child cruelty not to. :rotfl: DH has 'slept' on the sofa and looks like 'the Scream' again. :undecided
Here's today's list before I go and make sure the kids are up.
check banking
try and figure out why YNAB and my bank don't match
go to ds school assembly first thing
mark some books :o:o:o:o:o
write a shopping list
write a weekend jobs list
load of washing
encourage dh to contact the doctor or mh team
get ds to football training
find ds thermal base layer as it's looking COLD
try not to stress :rotfl:
Have a good day everyone

DawnW

Morning all
Thanks for starting us off Candy

List for today:
Heating on only in bathroom and airing cupboard, wood burner will be lit later if it feels cold Done - it is cold, and the stove is alight, with pup luxuriating in front of it :rotfl:
All meals from stores (scrambled eggs on toast for breakfast today, as I have loads of eggs ) Done
See what needs using up in the fridge - probably some bendy vegetables - in which case roasted veg for dinner , roasted veg it was, included some chard from the garden
Housework! Didn't do it yesterday Done :T
Peg washing out on line if it doesn't rain, on airer if it does Nearly dry on line, just got to finish off on airer :T
Dog walks x 2 (free exercise) Done
Vet appointment this afternoon, routine puppycheck/ deflea / worm that is already paid for via Pet Club membership Done, booked him in for his neutering operation i 2 weeks
Drop off 2 unwanted clothing items in either charity shop or charity collection clothing bin in supermarket car park, whilst out Done
Watch how much I eat - weight is creeping back :eek: and if I am careful with portion size, I won't need to pay for Weightwatchers again! Or wear bigger clothes :eek: Did ok till this evening
Send note accepting wedding invitation Done and posted
Phone hotel re accommodation for wedding Booked
Any online surveys that are available, and check FPL Done
Clean some silver plated items for sales unit OH :)did this
Made some tea loaves for OH and his mates to take on their fishing trip next week
Cleaned out chickens nest box (2 eggs today )
Read meters and submitted readings online
Made a list of ingredients I need to buy to make Christmas puddings with DD and baby GD - not much as I have most of it in already

Got quite a lot done today. Must keep it up, as there is lots to do tomorrow as well

Right, better make a start! Hope everyone has a good day

crazy_cat_lady

Hi Ziggy and Dawn - we cross posted.

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.

allydowd

Morning all,

I'm experimenting with a new weekend pattern: did most of the housework and miscellaneous jobs last night so that the 'weekend could be more leisurely. Off for more medical tests soon, absolutely starving, nil by mouth. Have also resolved not to spend all my down time asleep this weekend like I did last week.


Debt-Free Nillionaire Month 6:

* Replaced silicone around the edge of the bath using silicone from stores.

* Housework mostly done using Stardrops and washable cloths.

* Washed my rucksack I take to work in the machine. Comes up lovely. There was a bit of a soup spillage in it last week and I don't want the fabric to "go off".

* Planned the weekend and how we'll use our entertainment budget.

* Filing done for maximum efficiency.

* RM Surveys done. I'm bored with them but OH loves the vouchers and stamps we get in return.

* Shop around for DVDs OH would like for Decemberfest.

Have a good day everyone.

carrielovesfanta

crazy_cat_lady wrote: »

DH has 'slept' on the sofa and looks like 'the Scream' again. :undecided

It's interesting that you say that as when my OH was very ill, that's how he described the way he was feeling inside. I really feel for you both.


ziggy - big hugs to you and your mum x

determined_new_ms

Morning guys :wave: thanks for starting the thread Candy fingers crossed about the job today!

CLF there is a cs in town that has a whole jar of knitting needles that I'm going to grab and then I'm fit to get cracking :beer: foxgloves that's such a kind offer which I am sure I will take up!

Busy day again today and working this evening.

Small things:

* B/D from stores
* do load of washing & hang up
* going to see solicitor this morning to swear oath in brother's town
* ms assignment in brother's town for lunch. Write up assignment before going to work
* [STRIKE]try on dresses and see if anything is ok for tomorrow night. If not stop at TKMAXX and hope I find something! Opps for leaving it so late (hoping I have something!)[/STRIKE] Yippee! 2 good options fit & look good
* make sausage casserole when I get home so I can have some before I leave for work & oh & dgd can have some when they get in
* pick up knitting needles while passing through town
* quick tidy up

Ok better get moving! Sure there is more to do.... Have a great Friday everyone x

twiggy86

Morning all!


Dad is coming to fit radiator back in living room. Which is great as its free but not so great in that we'll probably start using the heating more!

Today I have/will:-
* Check banks
* Check FPL
* Use free foundation sample
* No TV on this morning
* Take lunch to work
* Earn more on OnePoll
* Update work expenses
* Dinner from stores
* Sort out clothes to recycle/cs/e bay
* Mop floors
* Put paint on selling pages
* Rejig clothes on airer
* Wipe down shower glass after use
* Use free anti aging cream
* Find some things to throw out


Think that's everything - which seems like a short list as had big lists this week! But starting to feel on top of the house work again! Difficult to motivate myself to clean when its a building site so gets dirty/dusty again very quickly!