Monday 25 Jan 2016. What small dfw stuff will you do today?

twiggy86

Morning (just!) all!

Slightly annoyed as normally paid today (technically the end of the month but has always been 25) however payroll have emailed me to say wont have the figures until Thursday! Never mind, I just wanted to get more debt paid off!

Today I have/will:-
* Check banks
* Use salad and fruit salad my mum gave me yesterday as lunch
* Take lunch to work
* Update work expenses
* Charge phone in work
* Look into Saniflo's
* Go for a run?
* Dinner from stores
* Sort out clothes to return
* Make lasagne

That's everything I can think of for now, although I'm certain there's more things I want to achieve! Hope you all have a good day!

debbie_debt

Afternoon All!

Well I started off today annoyed at myself that I forgot to make OH and DS1 packed lunches today, and was pinned under a sleeping DS2 when they were leaving, so they're both going to have to buy something to eat today :mad: Other than that it should be a frugal week!

OH is working away all week and so work pay for his breakfast and evening meal in with the hotel deal :T He's going to buy lunches for the week from the supermarket rather than going to subway etc so he's on a £10 budget for the week
Today I've been to a free baby group with DS2, had a free tea, 2 slices of cake and snacks for the baby!
Skipped breakfast, but lunch was leftover chilli and dinner will be from stores.
Can't be a NSD as I need to go and enrol DS2 in nursery (£50 deposit) before I go back to work after over a year :eek:
Hoover the lounge
Get some work done while the little one sleeps
Banking already checked - nothing untoward but no pleasant surprises either!!

That's it from me. Have a good Monday!

Debbie

JHiggins91

Afternoon all

Quick update from me today. First day back at work after a long and very spend weekend. All of it was budgeted though so that's fine.

Today I will/have
Gone to work
Drop in Childminder money after work as forgot to this morning
Apply for any overtime that I can - I've recently lived the luxury of having my birthday in October, bonus in November and Christmas money in December so really now have to work for those extra pennies!
Start packing some things as money into new house this weekend
Must get car taxed

Hope you all have a great day

J

Sanctioned_Parts_List

Evening all. All's quiet in smog-central, if a little chilly (presently -5C and clear). Tomorrow's air quality is predicted to be soup again, so best put a new filter in the mask.

DFW stuff today:
Last scheduled payment left my account yesterday, so swept whatever was left after the "boiler-go-boom" payment back into savings.
A very rare NSD
Top quality pillow fight with the kids (not really DFW, but free)

Random thought of the day for any MFWs also here - with a mortgage interest rate of only 3.4%, am I better off overpaying the mortgage, or investing separately and paying it off at crossover?

xxxJOJOxxx

Afternoon All, everyone appears busy. Right fresh new week so back to it

Pure Money
Check online banking Tick
Download banking apps on all devices Tick
Pay childminder for last weekTick
Pay ballet lesson just one week Tick
Convert £300 saved up to euros ready for holiday in a few weeks Tick

Extra Money Oppurtunities
Music magpie
One poll Tick

All things old school
All meals from stock Tick
Lights/heating off when not needed
Few bits whilst in town - list Items only Tick
Packed lunches ready for tomorrow
All clothes etc ready for morning

Entertainment & Leisur
Read one chapter at least of one bookTick
Paint piggy bank with little one Tick
Ballet class with eldest Tick

Home & Decluttering
Start off a charity bag
All washing put away
Sort one cuboard/drawer

foxgloves

A couple of extra little bits of frugal activity:
*Did a few Onepoll surveys.
*Uploaded meter readings to website. (I get 50 Co-op dividend points every time I do this simple monthly task, which are converted into a cash amount & credited to our energy account).
*Mended Humax box remote control with brown parcel tape. Doesn't even show unless you leave it lying upside down!
*Made a wodge of scrap 'clean-on-one-side' A4 paper into a new jotter pad for my desk. Have got a little Celtic-design enamelled button thingy which holds it all together.
Kettle going on now.
f x

DawnW

Sanctioned_Parts_List wrote: »

Random thought of the day for any MFWs also here - with a mortgage interest rate of only 3.4%, am I better off overpaying the mortgage, or investing separately and paying it off at crossover?

It depends really - can you get more than 3.4% on any investments? And are there any penalties regarding overpaying your mortgage? Are there any tax implications (I think I remember you mentioning you rent out your property)?

I am *no longer* a MFW (finished paying it off just over a year ago) I wanted to be shot of the mortgage, and our savings were making next to nothing, so even though the mortgage rate too was really low (it was on SVR) I paid it off. I am glad I did, as I don't need to think about it any more. Not having that go out each month enabled me to take early retirement

twiggy86

Thanks Dawn. I wondered this too - currently overpay my mortgage (only by £100 a month) but did wonder whether this was the right thing to do. I think for me, psychologically, its better to overpay then save.

asparagus1968

1. cancelled a subscription to a professional magazine, saved £8.50 a
month
2. Beat home insurance renewal by £35 AND will get £22 cash back from TCB

Effyb4

Hello everyone Today I took lunch and a drink to work. My lovely boss gave me a bottle of wine, to say thank you for all I do. I managed to avoid going in Tesco on the way home.