Wed 6th Apr - 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)
  
• Cooking On A Bootstrap, cheap recipes ( Link)
• eBid ( Link )
  
• Freecycle ( Link )
• Free Postcode Lottery ( Link )
• FreeStuff ( Link )
  
• FreeUKStuff ( Link )
• Income Tax Calculator (Link)
  
• i-Say Surveys (Link)
• List of online newspapers. At bottom of the linked page. ( Link )
• LuckyPhone free lottery with loyalty rewards (Link)
  
• Marriage Tax Allowance (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 )
• Wombling Guide (Link)
  
• You Need A Budget site and App (Link)

Checked 25 Feb 2016.

allydowd

Hi April Awesome-ees,

Quick post before work.

Debt Free-Nillionaire Continuity Plan Month Ten:

* Take a packed lunch. Stay away from the vending machines!

* Get paid in sweeties for translating an instruction manual for a friend.

That's my puny wee list! What about you folks?

ziggy2407

Happy Birthday LaE :bdaycake:

La_escocesa

Thanks honey

xxxxx

Bobarella

Morning All

Zig just read your post last night. So sorry it all got so stressful and horrible. I hope sincerely that today is better.

La E Happy birthday!

Yorkshire I hope your husband will be better soon. I really feel for you and CCL having so much worry about your OH'S and income/work. Hope the boozy teens behaved themselves.

Had one of those nights. DD feeding on and off all night. Plus the classic get up to change one nappy. Get back into bed to the tune of another being filled...deep sigh...5am saw me finally trying to settle down. So today I need all the coffee. Sorry

Today I will continue to focus on pinching the pennies via any means I can. It's quite cold here now but I didn't use the tumble drier yesterday and have the heating off so hoping my washing will dry ok. But the saving is egging me on
DH will be taking a lunchbox and so will DS who is off to a sports camp thing for the day. It is a community scheme and quite cheap in the overall scheme of things. I can't keep him in the house with us each day so we are staggering it with DH working from home some days to help.
Will be checking that the bills I expect to go out today (mortgage) do.
General tidying and decluttering as well. Got rid of 5 items yesterday. I agree with the chat on that front.

Have a good day everyone.

Bob

DawnW

Morning all
Thanks for the start Ally - do you get to choose the sweeties?
Happy Birthday La E - those muffins sound nice, can we all come to work at your office today?
Ziggy, ((hugs)) I don't know what it is with people who are horrible to others on internet forums, I guess they think it is ok as it is anonymous... I always think of them as unattractive individuals with no social skills and no friends, who spend far too much time in their bedrooms at their Mums' :rotfl: Not like us on here, we are the best :T Seriously though, they can cause a lot of hurt to people who are vulnerable, or are feeling down due to stuff going on in RL, and they really need to get over it :mad:
Bob, hope you get a rest today

For me today:
Transferred some savings from a poorly paying ISA to our Santander 123 account (which pays much better interest) due to the new tax rules on savings which start today :T That is my biggie for today
Signed up for a cash back on Waitrose shopping offer from Santander while I was on the web site, limited time and only valid for one shop, but I might use it
Heating on only in airing cupboard and bathroom - I will probably turn it off later but find a cold bathroom first thing in the morning :eek: Cold wind, rain, hail etc - left it on
Might need to light the wood burner this evening, as it is supposed to be turning cold again - managed without the past two nights :T It is alight now, nice and cosy
Dog walks for free exercise Done
HM meals from stores Done, bits from fridge and larder for lunch, and I made a huge pot of yummt ham and vegetable soup for supper. And there is loads left Used up some bits from the fridge (including an ancient quarter of a cabbage) and oddments from the freezer in the process. Also made a rice pudding as I have a lot of milk, having been away at the weekend, and used up some OOD but still ok smelling cream in it as well
Walk into town and pay in the cheque and shrapnel that I forgot yesterday Not done, pouring with rain :mad:

Can't think of anything else right now, and the dog needs letting out. Catch up later

Also done:
A few surveys for onepoll
Cheap Virgin wine offer from O2 priorities - used survey / quidco money to cover it. Sounds extravagant, but it will last ages and also do for impromptu presents etc. It also includes a couple of posh glasses which I can sell
Made an appointment for a haircut for scruffy mutt
Cleaned the heated towel rail / radiator thingy in the bathroom as it was really dusty
Restocked sales unit with new bits

OrangeFairy

Morning all,

A very happy birthday to the lovely La E I hope you have a wonderful day!

My small things list today...

Breakfast at work
Lunch from stores mmmm tuna sandwich!
DDs at my Nans so free childcare (except for the £3 sweet money I gave them for the walk home to meet me)
Check banking
Reconcile spends
Move payp@l money over
Fleabay sale to send
Iron clothes to list for sale
Fill out ppi forms
Look at free postcode lottery

Has anyone on here ever won anything on the postcode lottery? I didn't think it was actually a 'real' thing

Have a lovely day all

OF x

DawnW

OrangeFairy wrote: »

Has anyone on here ever won anything on the postcode lottery? I didn't think it was actually a 'real' thing

I think it is a real thing, but having said that I have never won anything on it, and don't know of anyone who has.... Mind you, I have never won anything else either :rotfl:

brizzledfw

Hello

Happy Birthday La E, thanks for the welcome..nice to be back. Thanks for starting us off Ally

Quiet day here, all likely spends accounted for. Am thinking about holibobs though and how we can do this frugally..am sending out some emails to ask about.

OH reconciling YNAB now...we know how to live!!!

Have a good day folks

PurpleFairy26

Morning all :hello: thanks for starting us ally happy birthday La E

Bob - hope you have lots of coffee:p I remember those days well, my dd2 got up at 8.25 this morning :eek: I don't think she has ever done that, yes that her wake up was 5.45 ( fairly standard) needless to say I feel like a different person today that and bestie is coming over this is amazing - we haven't seen each other since before Christmas am v exited and have taken half day from work. I'm working at home anyway so will just do bits here and there. Anyway other things to do today:

Realised last night mobile offer on contract expired end March. Was on sim only but can get better deal, so have asked for pac code. Anyone use iD mobile?
Check banking, surveys and FPL
Washing drying where I can as its rainy here although on,y at the back of the house, blue sky at front, hopefully it moves in right direction
Meals from stores
Keep eye on fleabay items
Maybe list one more thing on fleabay
Quick tidy round
One thing if April/annoying thing list
Just checked out the muffins La E - reminds me of a chocolate and beetroot cake from te5co that I've not made for ages which is amazing, must dig out the recipe

Think that's about all, have a good day everyone.