Friday 3 June 2016 - what small dfw things will you do today?

SpekySquarehead

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 :T

SpekySquarehead

Got into work early so thought I'd kick us off.

Bring breakfast and lunch into work - Done
Exercise
Check banks and YNAB - Done
Start racking up SFD’s
Get a comparative quote to service my laptop
Send my CV out to some recruitment agencies
Open a help to buy account
Contact HMRC about my wrong tax code
Sell things on ebay

Have a nice day everyone.

plainandsimple

Hi, I'd like to join in after lurking for a while. :-)

Not sure if new folks introduce themselves, but I thought I'd say hello. I'm a first time mum to an 8 month old and I work from home as a self-employed freelancer (part time hours now). My husband and I are focused on paying off debt so he can spend more time with the kiddo and less time at work. Also, we're sick of being slaves to our lenders and want our freedom back. I love reading this thread, and after making our first snowball payment toward our debt payoff goal, I'm feeling excited and want to keep the momentum going. Anyway, hi everyone! Here's my list for today:

Check bank and budget spreadsheet
All meals at home
Make a meal for the freezer in the slow cooker
Hang washing out to dry
LSD - might end up being a NSD
Work when kiddo is napping and when he goes to bed
Read this thread for encouragement

Baileys_Babe

Thank you Speckysquarehead for starting us off this morning.

Welcome plainandsimple sounds like a good plan to me.

Lego I have envy for your clear mailboxes, I am working to clear mine, but it it a slow job.

Today I plan to:
LSD, paid window cleaner, no plans to spend anything else today Done
Post on this thread for support, motivation and inspiration Done
Open curtains fully Done
Close curtains before it gets dark Done
Turn off lights and appliances not in use Done
Post letter today so it can go 2nd class Done
reusable sanitary wear Done
Meal plan Done
Stick to meal plan Done
B/L/D from stores Done
make bread Done
Check and reconcile bank accounts Done
PAD into saving £3.66 -1p Done
Soak porridge overnight Done
Set DW to run overnight Not enough for a load
Set WM to run overnight Not enough for a load
Check FPL Done
Check Ashleigh Done
Educate children for free Done
Entertain children and us for free Done
Do not wash hair Done
Walk everywhere Done
Dry laundry outside Done
No heating, we have jumpers and blankets Done
Ongoing projects:
Cull 100 emails Done
Keep up to date with destroying confidential waste Done
Continue making scrap/note pad with used envelopes, the back of used paper all held together with a bulldog clip Done

princess_pea

Hi all, thanks for starting Speky
Welcome Plainandsimple

Quiet on here today! It's a much needed NSD for me - June is going to be a very tight month. On a positive note I've got more extra hours between now and mid-July so I'm doing my long days again and have to do 6 hours this weekend - I'm just thinking of the money!

All meals from stores
Banking checked. Need to start surveys again as I need some new foundation and don't want to pay cash for it!
Early night tonight as I'm shattered
Take poochy for a nice sunny walk when I finish at 6pm
Try and do a bit of the ironing tonight, so the mountain won't be so huge over the weekend

Have a lovely sunny day all

DawnW

Evening all
Thanks for the start SpekySquarehead, and welcome to plainand simple

It was FREEZING here this morning, and I even put the heating on for the airing cupboard and bathroom but nowhere else, honest! Needed the airing cupboard warm as I had loads of damp washing

Apart from that:
No personal spends today, just some packaging and stuff for business
Posted 3 ebay sales
Listed several more items
I more sale so far
Washed a load of vintage linen for sale (got to iron it now :eek:). Must do it though, as the two lots I have listed so far have sold
HM meals from stores
OH was asked to remove a load of wood from somewhere he was working this morning - he removed it to our wood pile, free heating for next winter
Done a couple of surveys
Claimed a £10 Amazon gift card from Ipsos I say
Walked all journeys today - free exercise, and no fuel used

Quiet thread today, hope everyone is ok

Bobarella

Dawn thank you for your ebay tips yesterday. Makes complete sense.

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 7 April 2016.

foxgloves

Hello Frugal People,
Welcome Plainandsimple.
Bit of a rum day today but there were a few small money saving bits:
*Cleaned entire house using my 3 staples - diluted Stardrops in an old spray bottle, loo cleaner & washable cloths.
*Chucked a big jug of hot soda crystal solution down bathroom sink as it"s running slowly again. Cheaper than plumber, that's for sure.
*Defrosted bread rolls to make packed lunch for tomorrow's outing. Happy to have coffee & cake out, but not the £15+ it'd cost us for lunch.
*Mr f got the shopping in on his way home & was well under budget but we still need a few items from other shops tomorrow so we mustn't feel smug yet!
*Finished clearing big raised bed then dug bean trench & lined with kitchen scraps & old newspaper before backfilling with soil. Hope to get beans in this weekend if warm enough.
*Potted up some plants grown from free seed & picked homegrown lettuce & watercress to go with dinner.
*Changed bedlinen & loaded into washer for cheap overnight wash.
Have a nice evening all,
F x

ziggy2407

Good Evening All

SpekySquarehead - Thanks for starting us off today
Plain & Simple - Welcome, this is a fab thread, hope you'll stay with us, it's a bit quiet at the minute as one or two are away for half term
Legomum - Meant to say how sorry I was to hear about your sisters job

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.

Another great day today, will be very sad to see DH and DS back to work and school (respectively) next week

Checked Bank
Collected competition prize
Swimming (v busy so didn't stay long)
Shopping with list
Washed load of towels and line dried
Dropped gifts at my sis in laws for her & niece (would be my brothers 59th b'day tomorrow)
2 x pictures finally put up
Got DH to empty his tool box, wash it (it was filthy) and then sort everything back into it
Bumped couple of bits for sale
Entered a few comps
All meals from cupboards/fridge/freezer
Checked https://www.freepostcodelottery.com - Remember there are now 5 chances to win -
Checked Lucky Phone/Ashleigh/Numberplatelotto
Planned tomorrow

Have a great evening, love to you all!

C x