Friday 28th January - What Small DFW-Style Things Will You Be Doing 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

Morning all,

Greetings from inside Storm Gertrude. The lights are flickering. It's like the fairground Haunted House in here.

I'm in still gradually moving my body-clock from Nocturnal to Diurnal, so tonight I'm aiming to be asleep by 03:00. Might as well make myself useful until then.

Spent the evening going through my Finances Spreadsheet with a fine tooth comb to get the full picture. I think we're all ok. Also submitted meter readings as bill is due soon. Also chased up missing Quidco payment and querying non-functioning discount code. And I cleared out my emails. and paid the rent early.

Still de-guddling. The plan is to:

* Do the housework with Stardrops and washable cloths. Done.

* Clean inside of the car. Nope.

* Turn iron off for last two items. Done.

* Temporarily decommission my work bag. Very important to unpack it as there are important things in then. Done.

* Finish OH's tax stuff. Done.

* Print today's payslip. Done.

* Finish making the Big Get Back On Track Plan. Getting there.

* Go for a run regardless of the weather. Done.

* Dinner will be homemade KFC and rice. Done.

What have you folks got lined up for today?

xxxJOJOxxx

I fell asleep straight after tea this evening, so wide awake now. As there's a lovley new thread already posted, may as well start on my list :-D

Swapped shifts so doing all dayer & nightr today but get Saturday off :-D

Pure Money
Check online banking tick
Withdraw cash back & pop into Italy saving account
Pay childminder tick
Check all dd's gone out tick

Home & Decluttering
Quick tidy up before work tick
Somthing in charity box
Bed on free listings (may have to do tomorrow)
List childrens old coat
Put some photo frames up I brought the other day tick
One load of washing


All things old school
10p Ys pancakes for brekkie tick
10p bread/baps & ys fillers for lunch
L/o shepherds pie for tea
Walk to work
All lights etc off whilst at work

Leisure & Entertainment
Chapter of book
Free Spotify whilst walking tick

Extra money oppurtunities
One poll tick
Buying tv for dd1 birthday, do via cash back site
Find broken old phone & recycle

Scrimps

A couple of small things today:

Small change collection is bagged up, have another £9 to pay into the joint account.

Withdraw the shopping money for the week, already have my meal plan to stick to.

I set up an eBay account last night, I have a few things I would like to list tonight

PaceThePixie

Morning People :hello:

We all made it to pay day well done everyone.

My little list for today is:
Check savings and top up.
Finish packing for holiday
Ironing (OH will do while I am at work
Housework (I will do after work OH can't be trusted to do it properly :rotfl:)
Check online banking (done £100 extra saved in January :j) I have never done that before.

I think this is all for today. Hope everyone has a lovely blustery day.

Keep smiling folks.
Pace

crazy_cat_lady

Morning all :coffee:
Made it to payday :j:j:j:j There were a few points where I didn't think I would
Thanks for the start today Ally - it's windy here this morning too. I'm certainly not looking forward to the commute.
Few things to do today:
check banking and PAD
use my free time at work wisely
meals from stores
fill car with petrol
online shopping due this evening
ring sports centre and complain about a refund I have been waiting for since October :mad:
get ds to football
try not to stress
do not take on more than I can manage
have an early night
make time for something for me
cancel an appointment and reschedule
That's all folks. Have a good day and stay safe out there.:D

Baileys_Babe

Yesterday I wrote my list but failed to post it :mad:

I'll try and pop back later with my list, either way I will be keeping the faith. It is very wet and windy here, doubt I will be able to convince OH we should walk to the HE session today if we walk I think we should all take spare clothes. When we get home I am looking forward to cocoa in front of the fire, which will be burning free wood of course

PurpleFairy26

Morning all, thanks for starting us off Ally. I did see the thread when I was back last night before I went to bed, but I was too tired to think what I was going to do today

My list (repetitive but boy is it keeping me on track):
Banking and update sheet, automatic payment to cc today, love that feeling of it going down. Also received some expenses I'd forgot about guess where they'll be going later
Surveys and FPL, DH doing postal one for me as I'm at work
Tea from planner, packed lunch to work, hot drink in car for commute
Quick tidy round before I leave for work
Realised all things left on January list were calling people (maybe there is a theme here :rotfl:) will and try and do at least 1 at work today, but it's pretty relentless when I'm there so I may have to defer them, world won't stop if I do
Early night
Double check next periods budget (don't get paid til next Friday and my budget runs pay day to payday) but I want to make sure I'm squared away and make a target of how much debt to pay off in Feb

Have a good day everyone, stay safe.
Jonno X

ziggy2407

Good Morning All

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

Stop worrying -
Packed lunch for DH - Done
Pay Cheque into bank - Done
Drop bag of gloves/scarves etc off at homeless shelter - Done
Meet friend - Done
Get nectar points added to card - Done
Cut open moisturiser that keeps getting blown of bathroom shelf (cant squeeze anymore out but I'm sure there'll be a couple more days inside) - Done (3 inches of cream left inside :eek: )
Top-up car with fuel using last £11.94 of free fuel - Tomorrow (when we go shopping)
Sort DS's passport - Sent off
Get DH to add a couple more loyalty cards to my trolley coin/keyring -
Craft -
Check Banks - Done
Bump all sale listings/freecycle/facebook - Done
Read -
Create my annoying list -
Continue purge on Emails -
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 - Done

Have a good day! Love to you all!

C x

maria3104

Oh dear it is still raining. All animals run down and grim.
All machines have been on cheap rate. Am now delambed clean and ready for a day at the office. It is Friday!!!
Farm work is backing up and ds2 has been on 3 hours a night for 10 days. Time for some cosseting I think . He has a madly busy day and no sign of respite for 4 months, time to stop his milking job I think.
Here is hoping for it to stop raining. Poor animals and shepherds. We have spent more on feed than ever before and still the breeding stock look run down.
Should be a nsd for me.
Maria X