Wednesday 9th December - What small DFW things will you do today?

La_escocesa

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:

PurpleFairy26

Morning La E. Thanks for starting us off :hello: to you and all that follow. Managed to catch up on posts on last 2 days but it was late and no time to post. Early start today (thanks to small) and working from home, so a little more time than normal. My list for today:
Decide whether to buy nail thing from boots, was going to get MIL to get it me, but on reflection it'll possibly backfire, she'll say yes and then it'll get to Christmas and she'll have changed her mind and the offer will have finished, just need to work out if I have enough pennies
Was up so early time for a wash and dishwasher on cheap leccy
Submit first months meter readings to new supplier, will be interesting to see what bill is
Meals from stores, including yogurt that was best before 7th. Might need a little maple syrup as it was already a bit tart yesterday
Pop to chop and get last 2 cards and one roll of wrapping paper
Run for free exercise
Check banking, remember I'm owed £70 from work, so it might not be as bad as it seems :rotfl:
Text customer and let her know how much she owes me for order yesterday, will move to CC once received both to a) pay of stock land them my profit will reduce CC
Think that's all, have a good day everyone.

La_escocesa

Hi everyone :santa2:

I hope everyone is doing ok. Let's have a big group hug :grouphug:

CCL - Sending my get well soon wishes your way! Take care of yourself before thinking about anyone else please!! Remember 'you must put on your own life jacket before helping others'

Jonno - Oooh, it's a tough one on the nails thing. I can imagine my MIL being like that and then buying me a load of stuff I don't need!! Could you say you'd 'pick it up for her' - save her a job and then pass it to her to wrap?

Here's me:

• Try for a super quick shower
• Porridge brekkie - half water half milk
• Packed lunch :cool:
• Update YNAB
• Reply to yoga peeps emails x3 :A
• Finish niece's xmas hat :rudolf:

I'm not even going to put voluntary work on my list because I never get round to it. I really should give it up so my cases can go to people with time on their hands but they keep begging me to take a case or two. Feeling guilty...

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.

crazy_cat_lady

Morning all
Is it really only Wednesday? It feels like it should be at least Thursday. Lurgy has moved from larynx to chest and the cough is magnificent. Thanks everyone for your well wishes. I'm not doing much other than work, but I really need to keep going if I can.
So it will be a small list today:
check banking and PAD
full day of teaching
don't make any big decisions
try not to stress
aim for nsd
all meals from stores
get ds to his first Christmas party
early night
don't do any extras

ziggy2407

Good Morning Everyone

LaE - 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.

Quiet day and evening planned, today I will

Packed lunch for DH & DS - Done
Parents Evening -
Wrap a few pressies -
Write a few cards -
Look at pressie list and see whats still needed -
Bump all sale listings/freecycle/facebook -
Check Banks -
Continue purge on Emails -
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

determined_new_ms

Morning thanks for starting the thread La E CCL hope you get better soon x

Small things for today:

*[STRIKE] check banking[/STRIKE]
* [STRIKE]work out how much of my wages I have to pay into the bank to cover my costs over the last week. Think I have about £11 left for the week! :undecided don't think I need to spend any more cash...[/STRIKE] I have £8.30 until next Tuesday :eek:
* [STRIKE]load of washing [/STRIKE]& will put it on the line to partially dry as weather looks nice here today
* [STRIKE]call Southern Electric and hopefully get the phone and BB transferred finally[/STRIKE]
* sort out Student Loans co letter & post
* Dig out Christmas cards
*[STRIKE] finish sanding skirting boards [/STRIKE]and give a first coat
* [STRIKE]go into the shed and see if we have mastic to sort out this leaky overflow[/STRIKE]
* roast pork for dinner, will make yorkshires and veg from stores
* [STRIKE]make a first attempt at the chocolate spoons as I have all the ingredients [/STRIKE] [STRIKE]have made 2. Very exciting[/STRIKE]Have now made 5 out of the 11 adult ones I want to make :beer: they are super cool very happy with them :j
* find 2 screws for the plug socket
* [STRIKE]vacuum & polish throughout house[/STRIKE]
*[STRIKE] read martin's email[/STRIKE]
* [STRIKE]email ms company and ask for an extension to submit reports as have to work tomorrow now so won't be able to submit within 8 hours[/STRIKE] no need to realised I got my work times mixed up
* continue knitting cowl and read book for entertainment this evening - we're going to try to cut down on tv
* [STRIKE]emailed friend about coming for dinner in Jan[/STRIKE] - jeez it's taking some getting used to working Fri & Sat evenings!

Ok seems loads

foxgloves

Morming all,
Money saving stuff on today's list:
*Iron only what really needs it. Done.
*Get a loaf going in the BM. Done.
*Consult meal plans & remove stuff from freezer. Doing well with using up & making space.
*Make a birthday card for mr f using recycled materials.
*Knit more hiking sock.
*Investigate outstanding goodwill payment from energy company. It may have been credited to my account.
*Pay £2 back to grocery budget. Borrowed it for playing cards with nephews, etc. Pretty sure I'm up by a frw quid, lol.
*Another voucher received for brand survey focus group I'm on at the moment. Will update signature.
*Froze 8 containers of braised red cabbage & apples made yesterday.
There may be other things as the day progresses.
Cheers,
F x

chocolatelover93

Morning everyone thank you for starting us off LaE

Lambda In regards to the FB thing, I totally get it, it seems everyone else has amazing lives, but they only put the stuff on there they want people to see so they can boast about it. Underneath it's not as perfect as you think I would like to give FB up but it is a good way to keep in contact with friends and I think I may be addicted plus I love all the cute photos and videos people share. Anyway lol, maybe just a lick of paint (even magnolia) will brighten the house up a bit and make you feel better have a look for some ideas to "upcycle" your furniture most of ours is hand-me-downs, the only thing we've brought brand new is our bed, spare bed and my hubby's gaming chair, everything else is something someone else has given us or second hand. In the new year I am going to upcycle a few of my bits. It is much cheaper than buying new stuff and you feel proud because you've done it yourself

CCL - Hope the horrible lurgy goes soon!! I know what you mean about it only being Wednesday, it feels like it should be Friday to me!! haha

Thank you Jonno and LaE for the links to the gel nail kits, my hubby got me one yesterday although he gave it to me last night, probably to save him £30 for me to have them done before Xmas :P and he got the last one in the shop bless him!! It is definitely worth it my nails look lovely and nice and shiny

Today's list:
- FPL
- Lucky phone
- B/L from stores
- Dinner at mums
- Go to MS I did on Friday and get the proper photo
- Survey/s
- Check for MS's
- Aim for NSD
- Read Martins email

Think that is about it
xx

carrielovesfanta

Hi all,


A sneaky post in work!


Thanks to La E for starting us off


ccl - hope you feel better soon


Today I am 29 yet again. It's funny how that number keeps coming round


Opened up the cards. Teared up a bit as have a "card from beyond the grave" from OH's gran. Damn that woman was organised *sad smile*


Today's list:

• B/L/D from stores
• charge phone in work - done
• pay window cleaner
• send diesel money to OH - done
• read Martin's email
• set up new bank account - done
• Put birthday money aside and use later on something good
• try to keep heating to a minimum but the temp has dropped a lot
• put in weekly meter readings - done
• crossfit at lunchtime - cancelled so went for a run instead
• tidy/clean a bit
• weave in ends on blanky. Have had a break the last two nights.

Have a good one all


clf x

determined_new_ms

very chuffed! I have worked out this month through my jobs & ms-ing I have made enough money for the month without using my savings :j