Thursday 7th January - 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

I'm so relieved it's the "weekend". It's been a very long week at work up here in the frozen north. Anyway, I've been busy this morning already:

* Emailed employer as they've taken pension deductions from my wage and I've opted out of the pension scheme.

* Had a 'breakfast' of yet more leftover homemade soup stretched with a wee drop of water. I swear when I was a child my Father, who was a lone parent, used to make soup on a Monday and add to it and modify it throughout the week, it would last us five days.

* Ordered OH's repeat prescription through mobile app for delivery to local pharmacy which is less time and travel intensive than trying to order it by phone and collect it.

* Clean house with washable cloths and Stardrops. Take down mainly homemade Decemberfest decorations and store away for next year.

* Read news online for free.

* Watch tv recorded overnight.

* Give myself a manicure.

What's everyone else planning?

PaceThePixie

Morning Lovely People

Today list:
Washing.
Ironing (left over from yesterday)
Clean our roof terrace (left over from yesterday)
Check on-line banking.
NSD (hopefully)
All food as ever will come from the cupboards
Hope the phone rings as I applied for a little part time job yesterday

Yesterday the bank appointment was rescheduled by the bank due to member of staff being off!! Nightmare but can't be helped. My day went haywire after that I am Aspergers and sudden changes spin me out for hours:eek:, sometimes days. It's a nightmare but thankfully hubby was home to help me deal with it. He may be crap with money but good at dealing with my flat spins, hoorrahhh.

Hope everyone has a lovely day. Stay safe.

YORKSHIRELASS

Morning

Work this morning. Its wet again so the washing that was over the airer is in the tumbler, annoyed with myself for letting it pile up. DS2 needs a plain black t-shirt for his new job, found one for £2.20 from fleabay. Cleaning to do this aft, committee meeting tonight.

Ooh must take some chicken breast out of the freezer for tea, forgot last night.

Better wake DS up and get on! Have a good Monday everyone x

allydowd

YORKSHIRELASS wrote: »

Have a good Monday everyone x

Are you sure it's Monday?!

La_escocesa

Hi everyone :wave:

Thanks for the kick off Ally. :A

Just the usual from me:
:j Cheapo porridge brekkie
:j Packed lunch
:j Drive to work a bit early - less traffic jams = less petrol
:j Teaching tonight - need to plan :eek:
:j Staying in on lunch
:j Trip to cheapo supermarket for the weekend's bits and pieces
:j Keep an eye on ynab :cool:

Have a good day y'all

xx

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.

Today I will:

Packed lunches for DH & DS - Done
IRONING - Done
Check Banks - Done
Clean mum's flat - Done
Cook tea at mums - Done
Enter a few comps - Done a few
All meals from cupboards/fridge/freezer - Done
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win - Done
Check Lucky Phone - Done

Love to you all!

C x

Sanctioned_Parts_List

Afternoon. (It's 3:45pm here).

Thanks to Ally for today's thread (and CCL for yesterday's - forgot to say)

Expenses done
Language homework done
Accounts still not done
Gotta pay language teacher today
Holiday dates confirmed with the boss - just need to buy the tickets now

Yeah, that'll do. Onwards and upwards...

crazy_cat_lady

Good morning everyone!
Thanks for the start today Ally :beer: I almost had heart failure thinking that it was only Monday Yorkshire :rotfl::rotfl::rotfl:
I am off work today :j:j My dh is being discharged from hospital and there are a ton of meetings I need to go to first, plus I don't know what the emotional fall out will be like. I'm very fortunate in that my Head has been very understanding about me having time off for this. I have to confess that I'm shattered so a day off will be really helpful.
Here's today's list
:cheesy: check banking and PAD
:cheesy: today is definitely a spend day as it's grocery day and we'll need to pay for parking at the hospital. I need to plan my other spends like petrol and butcher so that I can bag more spend days.
:cheesy: make a list of questions to ask at our big meeting
:cheesy: find something for me and dh to do with our unexpected couple time if he's up to it
:cheesy: pick up my prescription
:cheesy: steal Foxgloves idea of annoying list and getting stuff done from it
:cheesy: plan my lessons for next week (can't mark as I didn't bring any books home)
:cheesy: try to be assertive at this meeting
:cheesy: speak to the kids school about the current situation
:cheesy: make time for exercise
:cheesy: make time for crochet

I'd best get going - still need to get the kids to school so can't avoid the commute. See you later

lambda

Morning, Peeps!

I'm feeling a bit more optimistic this morning, although it's a horrible cold, dark and wet day outside. Today I have already:

- checked my bank accounts
- reconciled my budget
- checked my 'pending' transactions on my online banking

It appears, I think, that my EE contract is now cancelled. The last bill from them is going to be about £3. I have also been checking my GiffGaff usage on the phone app and I think next month I can get away with a much cheaper goodybag, as I'm not using anywhere near my data allowance on the £12 one (I thought I'd try the £12 one for the first month to see how it goes). To top it all off, I have just remembered that February and March are no council tax months! That's £109 I'll save in each month. More money to fire at the debt. Every penny counts!

Hope you are all staying safe in this horrible weather!

Edit:

Forgot to mention I got another lovely pot for making loose tea for christmas. Brought it into work this morning (as we have a ton of them at home) with some lovely loose Earl Grey from the local tea shop - had a ton of it as well at home, so thought I may as well be drinking it at work. Lovely.