Monday 13th June - What Small Debt Free Wannabe things will you do today?

lego_mum

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:

SpekySquarehead

Morning,

Thanks Lego for kicking us off;

Previous list;
Bring lunch and snacks to work - Done
Rack a NSD - Done
Check banks and YNAB - Done
Send some important emails! - Failed

Todays list;
Bring breakfast and lunch to work - Done
Rack a NSD - Will do
Check banks and YNAB - About to do.
Plan my week ahead.
Plan dinners
Book a gym class

Weekly tasks;
Get a comparative quote to service my laptop - Sent email
Open a help to buy account
Contact HMRC about my wrong tax code
Sell things on ebay - This Sunday

Have a great Monday everyone.

determined_new_ms

Morning legomum thanks for starting the thread!

Princess Pea good for you on selling your car! I dream of being a 1 car family. And getting the wecdding venue sorted!

Ok so let's see if I can get to the end of my post without giving up in frustration! (the keyboard curser keeps jumping around and wiping out my post as sometimes it'll highlight some text and if I don't see it I erase it all while typing...)

Things for today:

* it's threatening to rain so want to get out in the garden in a minute and do some prep on the garage. Need to brush it down with a wire brush to get off all the flaking paint and fill the cracks. The weather is so annoying! I need at least 4 days where it's not going to rain so I can do the filling & painting but we just don't seem to be getting it! done what I can. Now need rainless day to do the filling

* cleaned the kitchen and washed up from last night - bad me!

* clean dw out as it's not cleaning properly

* flylady

* sow some radishes and spring onions. Need to find something to sow them in as am out of toughs/large pots....

* photo some things for fleabay

* use up at least 3 things from the freezer

* walk to coop and get bread and and nothing else! Change up left over reals from our holiday. Only about £6 but better than nothing!

Ok that will do. And I made it to the end of my post. Yay!

make_the_change

Good Morning All,

Well, not the best start to the Euros for England but plenty of time!

- school run Done
- wash mums bin out with hot water and bleach Done
- entertain DD and DS2 for free Done
- house hunt
- apply for a part time job Done
- apply for a second job found Done
- check FPL and Ashleigh Done
- lunch and nursery run Done, bad mummy, forgot DD's wellies for her trip
- school run and dinner from stores

A pretty poor list from me today but havent really got much to do! The weather is back to being dull and grey, threatening rain too so my mood is a little low x

Pernicious

Morning all,

Thanks for starting us off Legomum

Today I have/will:-

• Breakfast from stores
• Filled water bottles so we're less likely to need to buy drinks when out today
• Driving to Bedford & getting a train to London from there as it's cheaper than getting a train straight from Nottingham
• Will use my student discount where possible when buying what we need
• Make use of tickets to free gig this evening

Have a great, MSE day everyone x

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.

allydowd

For those wondering about Eating Frogs...Here's Brian Tracy's blog on the matter. Click Read More for the full article. (Link)

allydowd

Hi June Jubilatants,

Thanks for the starter Lego.

<Staggers off the plane and in the back door.> We're back! Just a quick post today as I'm very tired. Lovely holiday had, anyway. :beer: Second best ever. We did quite a few money-saving things: didn't buy Add Ons at the hotel, self-catered for breakfast and lunch, sought out vouchers before we left, did lots of free activities, took taxis once or twice as these were cheaper than buses, at in the restaurants the locals frequented whenever possible as these are ridiculously cheap. We went to the capital of the island and ate in a local cafe just off the tourist track: £4.20 for a baguette, a salad and two soft dinks. The nearest tourist restaurant wanted £12 for the same. We did spend some money on treats but we were choosy about what we bought.

Awful news about the shootings in the US. :shocked:

It was also lovely to come back to a clean, organised house and to just whip some homemade chilli out the freezer for lunch.

So much to do now though! :eek: We got home at 7am and slept for a bit and then found the energy to do the washing and unpack. One of the downfalls of a cheap holiday is the Red Eye flights!


Debt Free-Nillionaire Continuity Plan Year Two:

* Cheese and cold meats out the freezer. These were frozen as we couldn't consume them before we went away.

* All remaining miniature toilettries decanted back into their original bottles.

* We took just a few clothes away with us and handwashed them each day...however, still had a massive amount of laundry to do as some garments were well and truly "trashed" during our days on beaches and in boats.

* Pleased we took needle and thread with us as OH's bikini fell apart :eek: and this allowed us to rescue it.

* Also please we had the idea of taking a large net with us as this meant we could pin it across the patio doors at night to allow us to sleep in the heat without being mosquito-icated.

* Was pleased we packed our toilettries inside tupperware boxes as one mini bottle leaked a little in transit and it might have damaged something if it hadn't been. Also pleased we took a sheet of bubble-wrap with us so the bottles we bought could get home safely.

How about you folks? I have so much to do tomorrow...