Friday 27th November - What small DFW things will you do today?

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.

Candy0107

Hi folks,

Hope everyone is OK - ccl thank you for starting the thread, hope your party goes well x

We have finally made it to Friday !! Whoop Whoop

Payday for me and the second month of clearing my debts (again). Today I have/will:

• checked banking
• paid odd money to my credit card - my wages are £\\14.31 each month and i have budgeted to the nearest hundred - so the surplus gets moved straight to my credit card (slight ocd/obsession - my bank account and spending account have to be round figures and either £x0 or £x5)
• withdrew cash (yes, paper money - my new discipline) for things like mobile top up, fuel, personal spends etc (everything went on my card previously)
• checked, double checked and triple checked my sums
• topped up my car so i can get back into the habit of filling up on payday - i budget for 2x fill ups each month in case of emergency
• need to update my signature
• confirmed with hr how much my salary should be from January (new job from mid January)
• i popped into tesco for Starbucks coffee which was on special offer.....i like Starbucks coffee & take one to work each morning
• the pack has an offer for a free tall latte - so the ground coffee is practically free
• hubby paid for our food shopping (incl my coffee) so an extra saving there !
• chilled night at home tonight

I've got hubby into first dates and I guess he wants to spend time with me as he has put it on !!!

Better put the tablet down :eek:


Love to you all xx
Candy x

Bobarella

Determined - I have no high expectations of amazing sleep from my new one. My son was a very poor sleeper pretty much up to starting school. We once made the mistake of doing a 10 day tour around North Devon staying in a different B & B pretty much every night. It was hellish as DS didn't sleep at all. So we were just exhausted the whole time..oh well! In my experience of him, high energy children tend to be bright and hit their milestones early. So there are upsides & until then, matchsticks. ...& coffee...

Yorkshire -thank you

Princess - I would view student loans as debt. But in the same way as a mortgage. It's an investment in you so it's a positive debt in my opinion.
Personally I'd see anything borrowed as debt but I think it matters the charges it brings and also what else you owe to what you prioritise in repaying first..

Bob

PurpleFairy26

chocolatelover93 wrote: »

Jonno - Thank you I will have a go at that, I get paid a 12th of my pay each month so a good starting place. Do you do a page for each month?

Chocolatelover I have one sheet for each year, so I can see the whole picture, what has gone and what is to come. Then I have a new worksheet (in the same file) for each year. I'm also a bit geeky and have another worksheet which details my annual outgoings that are broken down to 1/13th so when I get a new deal for insurance say, I can update it and then update my monthly savings amount (I move 1/13th of annual costs on payday to savings account and then move them back when I need them). This cost obviously is one of the lines on my ongoing budget.

I would say just have a go and then you can play around and add/take away after - I found it doesn't really matter what it looks like it just has to work for you . I did my first budget in 07 when DH wanted to start his own business (although not in as much detail as now ). It's really interesting to look back and see how much our income has changed and what we spend on, when times are difficult it can show us how far we've come. I hasten to add, we haven't been in debt all that time and what we are paying off now, was a conscious decision but that doesn't mean I don't want it gone - apologies I'm waffling now.

crazy_cat_lady

It's actually the next day :eek:
I'm home - it went well, but I will post up a weekend thread and report in on there. Just need to tick today's list off.

crazy_cat_lady wrote: »

Anyway - here's today's list
[STRIKE]:) check banking (come on payday!)[/STRIKE]
minimise heating use no such luck - it was on full blast when I got home at 11pm
[STRIKE]:) aim for nsd[/STRIKE]
[STRIKE]:) all meals from stores[/STRIKE]
[STRIKE]:) no getting involved in Black Friday (easy as I have less than a tenner to my name)[/STRIKE]
[STRIKE]:) do not get stressed over things I have no control over[/STRIKE]
[STRIKE]:) get ds to football training[/STRIKE]
[STRIKE]:) get myself to party to be hostess with the mostess[/STRIKE]
[STRIKE]:) mark at least 2 sets of exam papers (urgent)[/STRIKE]
[STRIKE]:) use my free time at work productively[/STRIKE]