Friday 15th 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 it's Friiiiddaaaaay :j:j:j lots going on - last days of school for the smalls before school holiday, I'm off work and I'm swapping my car :T:T:T (it's a work car so no additional outgoings for me, in fact it will be cheaper as my tax will go down massively :T)

Anyway, things for the day:
Check banking, TT to savings
Moved money for some house/clothes things I bought yesterday from piggy to right account
First load outside, another on, squeezed in a bit of cheap leccy
Last of strawberries on turn for breakfast
Quick tidy round before I go away
Check surveys, FPL, do 2 surveys on computer I can't do on my pad
Check annoying things list have neglected it for a while
Call and book valuation, mortgage offer arrived yesterday

Enjoy your day folks.

YORKSHIRELASS

Morning PF sounds like a lot going on, exciting having a new car!

Need to pay in wages for job no. 2 today and try and find out about DS1 changing from a junior to an adult bank account. Just hope he doesnt need to make an appointment with an adviser to do it.

Trip to Li*l for shopping, have made a list. Work on both jobs, although I am working from home on job no. 2 so could catch up tomorrow.

Hoping that DS1 might have heard something from the job applications he has done, need to keep looking online for him.

Have a good Friday everyone x

SpekySquarehead

Good morning everyone

A long work day yesterday and today means low spend and also a short to-do list;

Work to provide breakfast and lunch
Check banks and YNAB
Organise a DD into my new HTB.
Remain positive!

Have a lovely Friday and weekend all

indigowarrior

Today I am going to have a no spend day. One step at a time right.

crazy_cat_lady

Morning all
Limping along towards the end of term. Couldn't haul my backside out of bed this morning so ended up running very late.
Enjoy the new car PF :j
So, Friday is a very busy day for me - it starts quiet and then ramps up. Here's today's list:
check banking and PAD
get dh to wash the dishes
try not to stress
get dd to cheer
get ds to footy training
get dd to gymnastics
practise my exercises for my poorly knee
get dh to transfer what's left of his money to me
post a letter which is now getting urgent
try for an early night#


Speak to you properly later - I shouldn't be on here at work.

Dontletmeletyougo

There's not much going on here today for me to be honest. Im really tired and could do with a nap before work.

Payroll messed up my pay again after reassuring me yesterday it would all go through. They said I should receive the rest of the amount this afternoon. We shall see. I'll check later or else I'll be on the phone to them moaning once again. This gives me great anxiety

I don't plan on spending anything today. I need to move some money around im accounts so I suppose here is my list to do.

- Set up extra bank account.
- Transfer money across between banks
- When and if my money goes in, allocate it to correct funds.
- Still need to send off some timesheets from last month, oops.

I've work at 4pm till midnight again. My last shift is tomorrow afternoon. I'll have Sunday off to recuperate then I'm back in next week on these wonderful shifts again.

The problem with doing shifts at enhanced rate means I get taxed more. Not quite sure if worth it. But it's extra money.

ziggy2407

Good Morning All

PF - Thanks for starting us off today

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.

Last day at school for DS, well I say day they finish at 12.20 :eek: So today:

Packed lunch for DH - Done
Check Bank - Done
Post RM letters -
Pay bags of coins into DS's Bank A/C -
List couple of bits for sale -
Filing & Shredding -
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 great day. Love to you all!

C 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 28 June 2016.

allydowd

Hi July Joculants,

Happy Friday!

Debt Free-Nillionaire Continuity Plan Year Two:

* Did RM Surveys.

* Did a 9 hour shift.

* Took packed lunch but brought 3/4 of it home. Really must take proper breaks next week.

How about you folks?

DawnW

Evening all
Thanks for the start PF
Very sad news from France

For me today:
Washing dried on line outside
Walked to post office with ebay parcel
Listed a couple more bits, but it has slowed up this week
Ironing :eek:
Shortened 2 pairs of OH's trousers that he was moaning about :mad:
Walked dog. He met a bouncy 23 week old rottweiler puppy whom he told off. HE is normally the bouncy puppy who gets told off :rotfl: And he is about the size of the rotty pup's head :rotfl::rotfl:
A few onepoll surveys
Just sold something on ebay :T
Made a casserole, which we will have with HG veg for dinner