Wednesday 15th June - What Small Debt Free Wannabe 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! :money:

SpekySquarehead

Good morning one and all!

DNM - No pain, no gain is what I tell myself. I hate it at the time though.

Previous list;
Bring breakfast and lunch to work - Done
Rack a NSD - Done
Check banks and YNAB - Done
Plan dinners (big batch cooking) - Failed
Book a gym class - Done

Todays list;
Enjoy a free breakfast and late lunch at work
Rack a NSD - Will do
Check banks and YNAB - About to do.
Plan dinners (big batch cooking) - Will check recipes tonight
Hoover!

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 day people.

make_the_change

Hi All,

The weather cant decide between overcast or sunny here! Didnt get to bed until late as couldnt sleep and I am paying for it now... Zzzzzzzz! DS1 stayed at his dads last night and has had to be taken to hospital today as he is struggling to breath. Cant get over there as he lives so far away but he's in good hands with his dad.

- nursery run Done
- read Martins email Done
- order a Fathers Day card as per the 75p deal on Martins email Done
- check bank and update finances Done
- nusery run and lunch at mums before return for PM session Done
- house hunt Done
- two washes for Mum Done
- one wash
- surveys Done
- check FPL and Ashleigh Done
- dinner from stores

Will add more throughout the day! x

kimplus8

Finish reading the Kon Marie thread- done
School run-done
Iron shirts for tomorrow as I didn't do enough at weekend-done
Prepare all my notes for work tomorrow
Make lunch for 3 littl'es and defrost mince for tonights pasta bake-done
clean bathroom
2 loads of laundry
strip beds in boys room and hoover
walk to childrens centre for session of stay and play and have a free cuppa and snack
go to docs for my blood tests (really anaemic)
think about what I need to my labour hospital bag- make a list
plan for Friday nursery run, scan and errands I have to run,
answer emails and reply to those I can today, write note to answer those I need to complete later on
change sons school reading books after school
walk home in the rain :-(
subscribe to amazon prime free trial as our Netflix has ended

determined_new_ms

Morning guys thanks for starting the thread specky

majorly bumming right now as can't find the earrings oh gave me for my 40th. They are studds with a stone in. I've looked everywhere, so now barring oh having a flash of inspiration or coming across them I'm going to have to accept they are lost. Am really gutted...

Small things don't seem worth the trouble right now...

Am hoping to go to my new for allotment for an hour. There's an awful lot to do but I think the best thing to do is little and often! There is a lot weeds as it's been untended for "a while". So I'm going to strim the whole lot then over 2/3rds with cardboard and a black plastic sheet to suppress the weeds - probably till next spring. There is a strawberry patch under a corner of the patch that are doing well, some raspberry canes with some fruit but they need some tlc, an apple tree, a plum tree that needs to be pruned! Think I'll go in a minute as that will lift my spirits. Will take a flask of coffee, some sandwiches and couple of banana muffins from the freezer

Need to post some docs to my new employer for my dbs appl - realised will be much easier to post (and free as I have a stamp that to drive into the town, park up and take madam. No temptation to spend either!

use up 3 things from the freezer (other than things for dinner)

read martin's email

stop at the coop for some milk & change holiday £ back at the po in the village

All meals from stores

Ok that will do. Happy Wednesday everyone x

princess_pea

Hi everyone, thanks for starting Speky

So much to get done today. I slept in so got in late this morning I did so well yesterday too I was up at 6.30am, left the house to walk to work at 7.30am and got in at 8am! OH dropped my off today

NSD and all meals from stores
Two hours overtime - here until 7pm
Start my lunchtime pilates class today
Cancel AA direct debit
Write out and post an anniversary card
Clothes washing to do tonight
Banking checked and spending diary updated
Post on here for motivation!
Wedding meal plan spreadsheet to update and save to my OneDrive
OH is chasing our old wedding venue for our £500 deposit back. They won't answer the phone to him...
Pick up some empty jars from a colleague to use for homemade table decorations
Work on my assignment portfolio this afternoon
Free radio at work
Read Martin's email
Surveys to check
Stay positive!!

Happy hump-day everyone

Bobarella

Hi All

Nice to see you here Kim really glad you are joining us

Determined oh no! Really hope you find your special earrings soon.

My ebaying has come to a temporary halt now as no one has bought my latest stuff but £50 for the month is pretty good I thought.

Sorry not a longer list just popping my head round really

Love to all

Bob

Bobarella

make_the_change wrote: »

Hi All,

The weather cant decide between overcast or sunny here! Didnt get to bed until late as couldnt sleep and I am paying for it now... Zzzzzzzz! DS1 stayed at his dads last night and has had to be taken to hospital today as he is struggling to breath. Cant get over there as he lives so far away but he's in good hands with his dad.

- nursery run Done
- read Martins email Done
- order a Fathers Day card as per the 75p deal on Martins email Done
- check bank and update finances Done
- nusery run and lunch at mums before return for PM session Done
- house hunt
- two washes
- surveys
- check FPL and Ashleigh
- dinner from stores

Will add more throughout the day! x

Gosh really hope your son will be ok. Horrible you cant be there even if your ex can, I know how I'd feel. Hugs

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

Hi June Jubilatants,

Thanks for the starter Speky.

Had one of those days where I couldn't get started. Finally peeled myself off the sofa at 6pm. :eek: I think I may be getting WifeFlu from the missus.

Anyway, it's not too late to get started.


Debt Free-Nillionaire Continuity Plan Year Two:

* Do Tax Credits renewal. Can't tell you how much I despise this job! Done.

* Checked online banking.

* Tidy up my mini-filing cabinet. Done.


How about you folks?

YORKSHIRELASS

MT hope things are Ok with your son, must be awful. And determined maybe those earrings will turn up somewhere unexpected. Fingers crossed.

9 hours paid stuff done. In fact I missed my gym class which would have cost me £4.50 plus petrol and worked instead. I dont intend to make a habit of this as my gym classes are important to me but its OK as a one off.

Bob we were talking about your business and being self employed. I admire you. DH has been self employed for 13 years and is struggling to do the job because of these health problems that we dont see to be able to get to the bottom of. He flatly refuses to contemplate the idea that he might not be able to carry on, which is one reason why I am working two jobs to keep us afloat. Very tricky situation.

Anyhow, jim jams, bed and library book I think. I can pay my wages for job no. 2 in tomorrow along with a cheque Mum owed me so that will help the bank balance a little.