Thursday 16th June - What Small Debt Free Wanabee things will you do today?

Bobarella

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

Bobarella

Good Morning All

I finally have an estate agency coming out today to value the lease. The first one I contacted decided that I was too far off track for them. So trying to be optimistic about that.

Standard small things for me
1. Check banking
2. Plan dinner around existing stock
3. Walk as much as possible for exercise and bus £ saving

Hope everyone is ok. Not long to the weekend now.

Bob

Yorkshire thanks for your support on yesterday's thread. I can see why your husband would find it hard to stop. I have taken a very long time to make the decision & put myself and family through quite a lot of hardship trying to make things work becauae I feel like I committed to this, plus the whole 'sunk funds fallacy' i.e I have put in X therefore I cant stop till that is recouped. But in reality is a gambling mentality that doesn't pay off. So if your OH has been in his situation for 13 years vs my 4 perhaps he literally cant see the edges anymore and doesn't see what direction to go in.

PurpleFairy26

Morning Bob thanks for the start. I do hope your valuation goes well today.

Well, I've been away and licked my wounds, never completely healed but certainly not in the place I was. Thanks for all the good wishes, you lots really are fab. :happyhear: the good news is there has been loads of debt busting going on. We went on a (paid and budgeted) holiday. We came back with money which went straight on the cc. Cc2 is now in sight of being gone (hopefully next month) :T then on the home straight.

For one reason and another we have a freezer full of (free to us) food, so we shall be using the wisely and minimising food spend. Lots of other bits that have helped over the past month too. It's been good to have something to focus on.

Anyway, I'm rambling, today's list to keep me focused:
Pop to DIY shop and get something cheap for the 2 leaks under the sink
Check banking, surveys and FPL
Tea from freezer
Try and fit in a run
Work from home so no commute and no reason to spend
See if I can find anyone local to make some curtains for me, I've found the material
Continue to take try washing off the airer, looks like a Laundry in here, oh for the day to hang outside again :rotfl:

Looking forward to catching up properly with you all. PF.

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.

plainandsimple

Good Morning everyone. My list:

- Meals at home
- Work this evening
- Sister over for a cuppa later
- LSD (need to get a card and print a few photos)
- Possibly take baby to free singing session at library
- Contact company I'm trying to send faulty air cooler back to. They want me to humph it to the post office and use their prepay return label, but the thing is huge.
- Sew DH's shirt (this might not happen today)
- Check bank and budget spreadsheet
- Choose joy and count my blessings

SpekySquarehead

Good morning

Forgot my wallet to work today, which I suppose is a good thing. Stop me spending!

Previous list;
Enjoy a free breakfast and late lunch at work - Done
Rack a NSD - Done
Check banks and YNAB - Done
Plan dinners (big batch cooking) - Will check recipes tonight
Hoover! - Didn't get the time

Todays list;
Bring breakfast and lunch into work
Rack another NSD
Check banks and YNAB
Plan Fathers day things
Tidy & 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 good day everyone :money:

make_the_change

Hi All,

DS1 is fine, a mild respiratory problem so was given steroids and need to monitor it. I have had a bit of a bad mummy moment where I feel so guilty and could cry. We cant put DS2 on the floor because of the neighbours and he bangs, so I was quickly changing him this morning and forgot socks so ran to get them and he rolled off the bed.... I feel terrible to say the least. He is fine, just cried for a bit but made me feel a) like I am a terrible mum for leaving him unattended b) because of our living situation, I cant do anything with him :embarasse:cry::embarasse:cry:

- school run Done
- entertain DD and DS2 for free Done
- health visitor coming Done
- call health team to re-arrange DS2's review Done
- order contact lenses Done
- start planning meals for next week so can write a shopping list
- lunch at mums and nursery run with DD
- check Ashleigh and FPL Done
- surveys
- two washes at home One done this morning, one to go!
- dinner from stores, taken gammon steaks out the freezer
- have a look around to see if I can donate anything to the school fair
- sort paperwork that has built up again

Will add more later x

allydowd

Hi June Jubilatants,

Thanks for the starter Bob.

As both of us now have WifeFlu we're taking it easy today....and not being as money-saving as we'd usually be. Had to nip to local Sainsbury's as feeling too pathetic to go to town for groceries.


Debt Free-Nillionaire Continuity Plan Year Two:

* Stayed up til 1am doing Tax Credits renewal and DW's yearly accounts. Took a huge amount of psychological effort. Think the cold has gone to my brain. The main thing is DW's business returned a profit this year.

* Took a parcel for the US to to the Post Office. Asked for the cheapest and was told it'd be over £5. Pointed out this wasn't the cheapest way and spent £3.85 instead.


How about you folks?

Bobarella

make_the_change wrote: »

Hi All,

DS1 is fine, a mild respiratory problem so was given steroids and need to monitor it. I have had a bit of a bad mummy moment where I feel so guilty and could cry. We cant put DS2 on the floor because of the neighbours and he bangs, so I was quickly changing him this morning and forgot socks so ran to get them and he rolled off the bed.... I feel terrible to say the least. He is fine, just cried for a bit but made me feel a) like I am a terrible mum for leaving him unattended b) because of our living situation, I cant do anything with him :embarasse:cry::embarasse:cry:

- school run Done
- entertain DD and DS2 for free Done
- health visitor coming Done
- call health team to re-arrange DS2's review Done
- order contact lenses Done
- start planning meals for next week so can write a shopping list
- lunch at mums and nursery run with DD
- check Ashleigh and FPL Done
- surveys
- two washes at home One done this morning, one to go!
- dinner from stores, taken gammon steaks out the freezer
- have a look around to see if I can donate anything to the school fair
- sort paperwork that has built up again

Will add more later x

Really glad both boys are ok but I am angry for you that your neighbour is causing you such grief.

Bobarella

Ally congrats to your wife on the profitable year

Grandad's_Offspring

Been looking at contents insurance to have ready for when we exchange. Though TCB, which I' e never done before