Weds 6th Jan - What small DFW things will you do today?

La_escocesa

[FONT=&quot]Hi everyone[/FONT]
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[FONT=&quot]Thanks for starting us off Crazy Cat :A[/FONT]
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[FONT=&quot]Nice one Carrie – I hear ya with your halleluiah! :T [/FONT]
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[FONT=&quot]Lambda[/FONT][FONT=&quot] – that’s still great about paying that off your cc!! :A[/FONT]
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[FONT=&quot]So...we’ve done the debt shuffle for 2016. Getting a bit more organised bit by bit. Trying not to kick myself too hard about the past 2 years Aiming to pay around £800 a month to debts and we’re finally getting some savings behind us for yearly expenses/insurances etc. Hopefully all will got to plan this year and OH will get a job and our tenant will not leave. Trying not to worry about what ‘might’ happen... [/FONT]
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[FONT=&quot]I once spoke to a financial adviser who said he recommended salary was split 3 ways – 1/3 to mortgage, 1/3 to debts or savings and 1/3 to monthly expenses. I’m paying out roughly that – around 28% to mortgage, 39% to debts and savings and 33% to monthly expenses... The real challenge is finding ways to squeeze extra out of the 33% for monthly expenses... That’s what the small things help with! [/FONT]
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· [FONT=&quot]Signed up for r0yal mail surveys – figure I can use the free stamps for entering post competitions [/FONT]
· [FONT=&quot]Cheapo porridge brekkie [/FONT]
· [FONT=&quot]Packed lunch [/FONT]
· [FONT=&quot]Tonight it’s cheapo sausage casserole with lots of veggies packed in [/FONT]
· [FONT=&quot]Logged into B00ts app for 50 points voucher – thanks for the tip off Zigster :A [/FONT]
· [FONT=&quot]Culled lots of shopping emails – search for the word ‘unsubscribe’ in your email a/c and you’ll get a handy list of lots of things you once ‘subscribed’ for [/FONT]
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[FONT=&quot]Candy[/FONT][FONT=&quot] – from yesterday – what app do you get points/vouchers for steps? OH does about 20,000 steps a day so I’m thinking this might be good for him!! [/FONT]

carrielovesfanta

lambda wrote: »

First day back at work today!

We were a bit optimistic in thinking we could pay off £1090 this month off the credit cards. Instead it's going to be £970. That's still a big chunk paid off, but I feel a bit down about that.

That's LOADS! Don't feel bad

carrielovesfanta

:bdaycake:

Happy birthday princess_pea!

ziggy2407

Happy Birthday Princess_Pea :bdaycake: (somedays I wish I was 31 again:rotfl: )

ziggy2407

lambda wrote: »

First day back at work today!

We were a bit optimistic in thinking we could pay off £1090 this month off the credit cards. Instead it's going to be £970. That's still a big chunk paid off, but I feel a bit down about that. But it's still money paid off the cards and onwards and upwards...

Having a packed lunch as usual today.

That's fantastic - well done!! Don't be disheartened :T

Bobarella

Happy birthday Princess

lambda

Thanks for all the support, it really makes me feel better!

Happy birthday, Princess Pea!

LJB290

First time posting in this thread......

1) We've just cancelled the majority of our Sky package and in 1 months time that will mean that we will be saving £100 per month!
In February we can also ditch our phone and internet package with Sky and find it cheaper elsewhere.
Such a relief and feeling on quite a "high"

2) We have moved £8K to a 0% interest credit card for 12 months

3) Lunch is hoovering up the remnants of Christmas at the office with choc, nuts and fruit.

PaceThePixie

Happy Birthday Princess Pea :j

Just a quick update. The bank called to reschedule our appointment this morning to next Monday morning! :mad::( hubby had taken a day off work too. Oh well. Can't wait to get the account moved and into a joint account. One of us (out of the hubby & I) needs to take an adult approach to our finances :rotfl::rotfl:

Good news is we have moved the DMP to SC. The hubby has been on the phone to them and they have popped the necessary paper work in the post to us. So once that has been signed and sent back to them we will be £40 per month better off. And the hubby's creditors will be much better off too. Phew.

As I don't drink alcohol and it would be too early in the day to do so if I did I am off to have a strong cup of PG tips.

Hope everyone is having a lovely day.

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.