Wed 3rd Feb - 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

Morning all, :wave:

I fell asleep on the sofa this evening so now I'm wide awake.

Later we are going to get the ferry over to the Isle of Arran to a spa hotel for two nights. This was actually cheaper than getting a Travelodge-type-thing as it's out of season and I did a bit of haggling.

This is a bit of carefully budgeted for wish fulfilment. I lived within walking distance of the ferry to Arran for years and often went across but I've never spent a night on the island.

* Not taking car on ferry, thereby saving £25. The hotel are going to send a free minibus for us to transport us port-to-hotel.

* Have a hefty breakfast before leaving.

* Make use of inclusive access to two pools, sauna, steam room and solarium. Will not buy any spa treatments....as OH is a therapist. :rotfl:

* Take a packed lunch.

* Take running gear.

* Will improvise evening meals as this accommodation has no kitchen.

* Take own alcohol with us.

* Make use of free toilettries supplied.

What have you folks got lined up for today?

crazy_cat_lady

Morning all - thanks for the start Ally. Enjoy your couple of days away, you deserve a break (even if I am very jealous). My day is somewhat less interesting with a full day of teaching and meetings after work :cool:
Here's my little list for today:
check banking and PAD
read Martin's email
do a load of washing
make time to relax somehow
Aim for nsd
all meals from stores
do not stress at work
mark a set of books or tests
full day of teaching
meeting after work
minimise use of heating
Nothing else to report. I'm afraid my brain is a bit fuddled at the moment with my chronic stress...:(

ziggy2407

Good Morning All

Ally - Thanks for starting us off today, have a great time - sounds like a great trip planned

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.

Apologies for offloading on yesterdays post, hope I didn't kill the thread, slept remarkably well (so may offload on a piece of paper tonight and shred). Today I will

Stop worrying -
Packed lunch for DH & DS - Done
Check Banks -
Craft -
Wait for buyers to turn up -
Bump all sale listings/freecycle/facebook -
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 -


Have a good day! Love to you all!

C x

determined_new_ms

ziggy don't worry you didn't kill anything, we're all here for you. Like you are for us time and again x

PurpleFairy26

Morning all, enjoy you're break Ally. Room for a small stowaway

Ziggy - feel free to vent on here whenever you want, always ready to listen.

My list for today:
Meals from stores, freezer leftovers to work
Check banking, update sheet, try for a pad, 2 days to pay day
Call BTL mortgage provider and I am still trying to change my address we moved nearly 2 years ago. Checked noodle last night and found they have changed it to my neighbours :mad: feel a complaint coming on, or at least Foxgloves level of assertiveness 2
Do one thing from February list
Check surveys, FPL
Read martins e mail
Check O2 priorities

Will check back later.

allydowd

jonno7 wrote: »

Morning all, enjoy you're break Ally. Room for a small stowaway

Sadly not. When we headed North to the cabin earlier we took a few bags so that we could do your own roast and be really comfy in a stark environment.

This spa is a bit 'plush' (they provide bed-linen and the bathroom is heated!?!) so we're travelling light. :rotfl:

maria3104

Morning all.
Having that lovely 2nd cup of tea before leaving for work.
Have just relistened to the audio of zig ziglar again. Forgot how much I loved him. Such a shame he is dead.
Struggling to stick to meal plan. Am determined .
Need to swim more. Have breathing issues following demylination of spine and I need to keep lungs moving.
Have a good day everyone. I am off to review business goals.
Maria X

Baileys_Babe

Morning everyone

Ally thank you for getting us started and have a lovely break.

My fatigue seems to have reared it's ugly head. On Monday afternoon when I tried to read the thread I was unable to concentrate enough, by the time I went to bed on Tuesday I'd finished Monday's thread. I have yet to look at Tuesday's, think I will start now. I am keeping to DFW ways, just no energy to read or post.

twiggy86

Morning all!

My friend had a baby girl this morning! So excited and sat at work with a stupid huge smile on my face!

Can't really think straight but today I have/will:-
* Check banks
* Use free moisturiser
* Make smoothies for breakfast
* Load of washing on an ecowash
* Take lunch to work
* Charge phone in work
* Pay money into bank whilst in town for work
* Update work expenses
* Check FPL
* Earn more on OnePoll (trying to get back into this habit)
* Dinner from stores
* Tidy bedroom as per Flylady thread

Hope you all have a great day!