Tuesday 1st December - 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.

So be proud of those small steps, they really are important.:D :money:


Hope everyone is OK, hugs to those who need them and hello to newbies.

Today I have/will:
checked online banking - all as it should be/checked online banking - a small payment has gone

• out so I have moved the excess to my credit card
• checked investments
• update my signature to show new balances
• interest has been added to my loan
• meals from stores
• read papers online
• charged my phone via the PC/TV
• drove at 50mph on the way to work
• downsized my morning coffee at work, saving 25p (our Costa is subsidised, so a Massimo is only £1 which isn't too bad, but that is still £20 per month). The coffee in the machine at work is nasty !
• have an no spend day / have a low spend day
• go to my ww meeting - free as I am a meeting clerk

think that is about it for me, take care everyone

Candy xxx

La_escocesa

Hi Candy - thanks for the kickoff :A Last year we got a N3spresso machine for xmas - best pressie as now it's only 30p per coffee for us and I can't tell you what we've saved (because I'm too scared to count it up ). But a nice subsidised coffee shop does sound lovely.

Big hellos to all who follow... :santa2:

Well I've split my money into all the appropriate 'piggy banks' (online accounts not real envelopes) and gosh do I feel skinto! I know I will feel amazing when I have enough in each a/c to pay for e.g. home insurance in one go etc, but I'm just not used to my one current a/c being so low... Just a mindset thing really as I clearly do have the same amount of money - it's just split up!

Anyway, I digress....

Listypopadoodle:

• Have cereal in work - free milk
• Find a packed lunch of some description :think:
• Leftovers for tea - got 4 meals out of 2 chicken breasts by turning it into a pasta bake and adding loads of frozen veg. :cool:
• Sort out a bit of a xmas list to see who I need to buy for now December is here :rudolf:

Happy Tuesday!

:coffee: :coffee: :coffee:

crazy_cat_lady

Morning all Thanks for the start Candy
Another rubbish night of sleep - only 5 hours last night. I must try to get to bed earlier tonight... even if that means not getting everything done :eek:
Anyway, lots to do today including:
check bank and PAD
reconcile YNAB
full day of teaching
get some marking done
15 mins housework and declutter
get the kids and dh to do something
take 2 cats to vet for annual jabs :money::money::money::money:
minimise use of heating (although that is getting harder)
allow form class to put Christmas decs up :A
do not stress
try and find time to exercise
get an early night :rotfl:
aim for nsd other than vet
all meals from stores
Have a good day all :beer:

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 )
  
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• 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

Hi,

Thanks for the start Candy.


Debt-Free Nillionaire Month 6:


* Bought a DVD through Flubit.

* Took a packed lunch.

* Did not have a hissy fit at work, even though I felt like it. I need the job, but sometimes things are so damn unfair. <stamps foot like a toddler>

Have a good day everyone.

La_escocesa

Oh no Ally - that doesn't sound good for you. Do you have any holidays you can use? Maybe a day or two off would help.... :grouphug:

determined_new_ms

Morning guys :wave: thanks for starting the thread Candy

La E what a nightmare with the fraudulent activity on your account :eek: glad your bank sorted it out quick smart!

Sorry for not posting the last few days. Have been caught up in knitting! question for all knitters/crocheters where's the best place to get wool?

Small things for today:

* [STRIKE]make dgd's packed lunch & bag for cm's[/STRIKE]
* [STRIKE]checked banking[/STRIKE]
* all meals from stores
* use up at least 1 thing from frezer - trying to empty it of all the little bits and bobs I freeze!
* take packed lunch for work
*[STRIKE] sort out SE certificate [/STRIKE] Yippee have finally done it! :beer: it was so easy not sure why I have been putting it off!
* do a load of washing & hang up
* NSD? Possibly
* post letter

Ok that's all I have time for. Have a great day

Karb

Well, I've only gone and done it. Final payment made to the credit card and, apart from the mortgage, I'm now debt free.


I can't actually remember the last time I had no debt, but I'm pretty sure it was 1997. Feeling so chuffed this morning.

allydowd

La_escocesa wrote: »

Oh no Ally - that doesn't sound good for you. Do you have any holidays you can use? Maybe a day or two off would help.... :grouphug:

I would love to have a day off, but I can't as I'm the only one who does my job and my company is operating a no-holidays-til-New-Year policy.

My problem is that someone isn't pulling their weight and it's loading me with all their work as well as my own. Will have a word with them tomorrow and get the situation fixed.

Also I keep getting blamed for things that someone else did and fighting my corner is very tiring. eg Got blamed for sending a dodgy email yesterday that wasn't even from my email account!

allydowd

Karb wrote: »

Well, I've only gone and done it. Final payment made to the credit card and, apart from the mortgage, I'm now debt free.


I can't actually remember the last time I had no debt, but I'm pretty sure it was 1997. Feeling so chuffed this morning.

:beer: :T :beer:

determined_new_ms

Yippee! Congratulations Karb! What a wonderful way to end the year! Hope you and the boys do something nice to mark the occasion.

Oh and being nosy but did things continue to go well with your new girlfriend? x