Monday 4th July - what small DFW things will you do today?

PurpleFairy26

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:

PurpleFairy26

Morning all :hello: up early for me for no good reason so I thought I'd have a cuppa and start the thread before the madness ensues

List for today:
Washing out in sunshine
Use gym membership - first class in a long time, hope to make it more regular as its a more cost effective way of using gym
Meals from stores
Use something from use up box. OOD malt extract in a loaf and meringue nest in Eton mess (using ys raspberries)
Make loaf in BM using ^
Check banking, split small dividend payment that I wasn't expecting between cc and savings
Quick vac of lounge only room I didn't do yesterday as girls had their craft stuff out
All swim tonight - use membership
Pop to 1kea and JUST buy what we need a unit for the hall - money saved in house fund :T
Message lady about gifts I saw yesterday

Think that's about all, I'm glad I'm not at work today so I can get some stuff done. Hopefully it's sunny for everyone. Ally hope things look better today legomum hope you managed a better night yorkshirelass hope you sort the exam with the school

juliejim

Morning all

Ally - hope today's a better day and you get no more hassle.

Work today then a meeting tonight so I won't have a lot of chance to do anything but I will check luckyphone,Ashleigh, fpl, etc.

Not sure whether I will manage my 7000 steps for my Bounts points but I will try.

Have a good day all

Jue

La_escocesa

Hi everyone :wave:

Thanks for the kick off PurpleFairy :A
Good luck with the ikea challenge of only buying what you are going for!
Legomum - hope your ankle is feeling better.
Yorkshirelass - just saw your msg from last night. I hope your son is ok. Feeling the pressure at such a young age - brings back painful memories.

Hello to everyone else :wave:

Not much from me tbh... I'm happy that I'll only be out one night this week for job#2. :T Got the rest of the evenings to sort the house so that I'm not doing it all at the weekend.

Need to sort website with up-to-date class info and reply to emails...

Need to find out if there is any chance whatsoever of getting a buy-to-let mortgage. I have permission to let but it's up for renewal - just don't think I can get a buy-to-let (not enough equity) so I might need to sell it even though I will lose about £15k.

What else:
Get a cheapo lunch from somewhere :cool:
Leftover roast chicken for dinner :think:
Read free e-book :A
WM on quick wash and hang to dry rather than TD
KM another category
Early night!

Catch up soon everyone

Bouncybubbles

Morning all!
1) wash a load of washing and hang out to dry
2) await my mums birthday present from amazon (used but excellent apparently)
3) mourn my own stupidity at now having £25 to last until the 15th!
4) go to mums today as she wants to go to Cheshire oaks
5) try not to be depressed going to Cheshire oaks with no money
6) use stocks for evening meal
7) try to eat healthily
8) update DMP balance figures due to some debts charging me interest
9) make a plan for next month so I don't end up with this little money again
10) try not to stress about forthcoming results at the end of my degree
11) try and feel thankful afore mentioned degree is now almost finished! 4 weeks left!
12) try and think about the positives that I have coming rather than sitting on negatives


That's all for today chaps!

ziggy2407

Good Morning All

PF - Thanks for starting us off today
Ally - So sorry to hear of your upset yesterday, ope today s better for you.

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.

Apologies for going AWOL, I would love to say life has been great and that I've been off conquering the world but I haven't, I've just struggled to get through the days. Well the sun's shining so today I will:

Packed lunch for DH & DS - Done
Check Bank -
Clean patio doors -
Deliver 2 frames -
Buy bread & milk -
Ironing -
Read -
Continue purge on Emails -
Complete a few surveys -
Enter a few comps -
All meals from cupboards/fridge/freezer -
Check https://www.freepostcodelottery.com -
Check Lucky Phone/Ashleigh/Numberplatelotto -

Have a good day! Love to you all!

C x

foxgloves

Morning all,
Still fretting about something over which I have no control, so am keeping very busy - lots of frugal bits:
*Laundry line-drying in the sunshine. Washer reloaded for another cheap load overnight.
*Rubber chicken. Roast dinner last night. Will do chicken slices for similar again tonight. Also enough for tomorrow's fajhitas & a pie for the freezer, plus a packed lunch. Carcass in SC for stock. Leftover veg & gravy all used up too.
*Picked broad beans. Will blanch & freeze, keep adding to bag ready to make broad bean pesto.
*Make pastry....which took care of a Use it up item.
*Make tomorrow's packed lunch.
*Leftovers for my lunch today.
*Free firness digging over bed & planting out baby cabbages. Will need to find brassica collars......made for free from leftover pond lining.
*Update grocery budget & pay the money across to CC (used only to maximise points for vouchers, so it gets paid off straight away).
*Weighed a couple of items for listing on ebay. Will do some re-listings too, while it's free.
*Knit.
*Pick sweet peas. Free fragrance for house.
*Water & feed all fruiting veg.
*Hunt for rogue snail as FOUR baby lettuces have been scoffed. May go out at dusk with torch & bucket of doom.
*Filled up my big storage jars with red lentils & brown basmati rice.....both bought in Sainso's world food aisle. Thanks again to Ziggy for that tip, as we are making decent savings on what we paid previously.
*Top up worm composter with scraps in return for the 3 jugfuls of free liquid plant food they've produced over the last month.
Must crack on now.
F x

DawnW

Evening all
Thanks for starting the thread PF
((Hugs)) to those who are feeling down, preoccupied or stressed

Today I have:
Checked banks and opened a new regular saver account, to recycle money through and earn a bit of interest (the one I had has matured, they only last a year)
Returned a faulty phone to Currys or whatever they call themselves these days. They were very helpful, which was something after the phone / BT saga (which is much too tedious to go into detail over, suffice to say it has been expensive and a nuisance) that I have had to deal with over the last few weeks
Posted ebay parcels and listed a couple more items - which have also sold
Went to sales unit, nothing sold there - I am so pleased I have reduced this outlay right down :T
Did a shop at Mr S, forgot my list but surprisingly only omitted to get one thing that I needed!
Relieved them of some more of the wine boxes they leave at the front of the store, for my ebay parcels
HM meals
Finished making the quiche I started yesterday, still got ham and cheese bits left, so I guess it is macaroni cheese with ham in it next :rotfl:
Blitzed front garden, managed to co-opt OH to help, looks much better now. Still a bit to do, but hopefully can get to that tomorrow
Made a batch of Mrs F.'s famously effective cat deterrents (olbas oil on old tea bags) to keep the blighters off the now tidy garden :T
Watered everything that needed it
Nearly ready for bed now!

PurpleFairy26

PurpleFairy26 wrote: »

Morning all :hello: up early for me for no good reason so I thought I'd have a cuppa and start the thread before the madness ensues

List for today:
Washing out in sunshine
Use gym membership - first class in a long time, hope to make it more regular as its a more cost effective way of using gym
Meals from stores
Use something from use up box. OOD malt extract in a loaf and meringue nest in Eton mess (using ys raspberries)
Make loaf in BM using ^
Check banking, split small dividend payment that I wasn't expecting between cc and savings
Quick vac of lounge only room I didn't do yesterday as girls had their craft stuff out
All swim tonight - use membership
Pop to 1kea and JUST buy what we need a unit for the hall - money saved in house fund :T
Message lady about gifts I saw yesterday

Think that's about all, I'm glad I'm not at work today so I can get some stuff done. Hopefully it's sunny for everyone. Ally hope things look better today legomum hope you managed a better night yorkshirelass hope you sort the exam with the school

Great day here. Escaped 1kea with just what we wanted and 2 candles we did however win a nest of tables in the prize draw they are doing :T

Forgot I got 2 ys lamb shank yesterday so they were tonight's tea, done in the sc

Bread/cake was amazing have frozen half to save my waistline :rotfl:

Hope those that are feeling down/ stressed are doing ok. Keep with us and posting. 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 28 June 2016.

allydowd

Hi July Joculants,

Thanks for your good wishes. No aggravation today. Long may it remain that way. We're still both feeling "bruised". But "smooth seas do not make strong sailors". On we go.

Anyway, trying to keep the MSE faith.

Debt Free-Nillionaire Continuity Plan Year Two:

* 12 hour shift at work: all good money in the bank but very hard work today as my two colleagues were both off and our boss has now left.

* Checked online balances.

* Read news online.

* Earned postage stamps through RM Surveys.

* Good friend bought us two miniature bottles of booze back from his home country. So kind.



How about you folks?