Wed 16th December - What small DFW things will you do today?

allydowd

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:

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

Hi,

Just in from a manic shift.


Debt-Free Nillionaire Month 7

* Free steak pie meal at work tonight and a free can and dessert.

* Watch films on DVDs we already own.


Have a good day everyone.

crazy_cat_lady

Morning all :hello:
Thanks for the start Ally - hope that things ease up at work soon. End is most definitely in sight for me... 5 more lessons, 2 days with form and a visit out this afternoon. Even though I am exhausted I feel ok.
Lots to do today
:rudolf: check banking and PAD
:rudolf: Donate £1 to charity for Christmas jumper day at work
:rudolf: read Martin's email
:rudolf: aim for NSD
:rudolf: do not stress, either at work or on the trip
:rudolf: 15 mins housework and declutter
:rudolf: meals from stores
:rudolf: do NOT do any online shopping
:rudolf: enjoy an afternoon at university with a lovely bunch of kids
:rudolf: make sensible decisions
I'd best get going now - have a good day all.

ziggy2407

Good Morning Everyone

Ally - 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.

Not much got done yesterday after DH went to work as unexpected visitors arrived so today I will:

Packed lunch for DS - Done
Bake -
Make "Snowmen Soup"
Packed tea for DH -
Wrap a few pressies -
Write a few cards -
Look at pressie list and see whats still needed -
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

DawnW

Morning all
Thanks for the start Ally
Hope the trip goes ok CCL
Ziggy, what is snowmen soup?

Just popping in quickly as it is Grandma day today and I don't expect to get much done (not sure how DNMS does it )

* Decorate Christmas tree with baby GD - a two year old, a puppy and a pile of Christmas decorations - recipe for disaster or what? :rotfl:Done, surprisingly successful, puppy notwithstanding
* No heating on as it really isn't cold. Wet and horrible yes, but not cold. Wood burner will be lit this evening though Done
* HM meals from stores, using up bits in the fridge to make a sausage casserole thing for tonight Nearly done
* Hopefully a NSD
* Have another look at Christmas / monthly big grocery shop list. I have a delivery booked for Saturday which I can edit. Might plan a trip to Lidl and Mr S before I finalise this, to see if I can get anything cheaper Not done yet
* Put cashback credit card away, to avoid using it again. No worries about paying the balance, but they have hiked the fee, and the cashback will no longer be worth it (less than the fee, as I don't spend enough, obviously :rotfl:). I will close this after Christmas when the balance is paid. I must remember to unlink it from any online accounts (don't have many of these so this won't take long!) Done
* Ring old dentist to cancel appointments - might not get chance to do this today, but if it is on the list it won't get forgotten Not done
* Text friend re brand of mattress she liked, must remember to do this! Not yet
Oops they are here, must dash!

ziggy2407

Hi Dawn

Hope you have a great day! Snowman Soup - hot chocolate powder and marshmallows with candy canes attached

https://www.facebook.com/photo.php?fbid=10202151807093710&set=pb.1144540007.-2207520000.1450254743.&type=3&theater

foxgloves

Morning Wednesday Savers,
Today's list. Um......well, it's a nil return from me today. Will be buying last few gifts, eating out & going out tonight. Oh.....I do have some leftovers for lunchtime, but that really is it for today's (non) efforts.
F x

carrielovesfanta

Morning all


I finished sewing in the ends of doom on blanky! He is now washed (survived the machine well) and laying on the spare bed to block. I hope he dries today


Interesting that blanky has become a "he"...


MSE list from me today:

• B/L/D from stores
• Charge phone in work - done
• Check online banking and reconcile spreadsheet - done
• Set up standing order to new account - done
• Run at lunch time - much easier than I expected. Mostly because I thought that the intervals were longer. Must read info properly
• Finish blanky if he's dry. Just need to sew in the balloon strings, the rabbits' ears and their eyes
• Bread possibly? hahaha
• Christmas cards (still part of the naughty list, but I did finish wrapping all of the presents )
• Decluttered: two pewter dragons that I've had since I was a teenager - done
• Make the choccy fudge in case it goes wrong. Then I still have time to find a plan B!

Small list but feeling a bit tired.


Have a good one all


clf x

chocolatelover93

Morning everyone
Thank you Ally for starting us off hope the tax code gets sorted soon for you!!

Ziggy - Snowman soup sounds yummy!!

Today's list:
- FPL
- Lucky Phone
- B/D from stores
- Low cost lunch at work (not much in at home and really tired this morning)
- Read Martin's email
- Survey/s

Think that's about it for me today
xx

determined_new_ms

Morning :wave: need to get a wiggle on as dgd has gone to the CM's for an additonal session this morning to go and visit Santa - too cute! She'll be being dropped off in a couple of hours so want to get the stuff I need to get done done!

Terrible situation - our TV has broken! Not sure what we are going to do but will need to get another...

Anyway things for today:

* [STRIKE]quick tidy round & flaylady the lounge[/STRIKE]
* [STRIKE]sort out all my receipts and get straight![/STRIKE]
* [STRIKE]organise the paperwork drawers and get rid of loads on things not needed[/STRIKE] making good progress having a coffee & lunch break and will carry on
*[STRIKE] B/L from store [/STRIKE]
[STRIKE]* didn't get a Maccy Ds breakfast like I wanted to and will make a bacon sarnie instead :A[/STRIKE]
* [STRIKE]make 8 more chocolate spoons, wrap up and put this baby to bed![/STRIKE] only needed 6. Means lots of chocolate left
* walk with dgd this afternoon if it doesn't rain
* more reading of Christmas stories, finishing off cards and listening to Christmas songs on youtube for free to keep us in the festive spirit
* dinner at oh's parentals. Will be a lovely roast they are off to Holland over Christmas so this will be our celebration with them
*[STRIKE] fold up a mountain of washing [/STRIKE]& do some ironing
* another load in machine and hang up

Dawn it's more like my wish list each day I never get it all done!

Ok that's me. Better not fritter away what time I have on here! x