Wednesday 27th 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. Very quick post as I need to be out the door at 7.30

List for today:
Check banking, surveys and FPL. First payment has gone in to 6% saver :j
Meals from stores
LO tea for lunch and hot drink to work
Paid man for last of work in loft. It's now completely insulated and floored and a second light
Can now sort out stuff and hopefully find more selling stuff
Call and cancel a subscription
Check annoying things list, try and do one thing from it

Think that's about all, check back later. PF.

La_escocesa

Hi everyone :wave:

Thanks for the kick off PurpleFairy :A
Bob - good luck with the new venture!!

I've just been reviewing YNAB - have had such a busy month so the meal planning has gone out of the window. Our restaurant/take away bill for July is out of control!! OH found out that he leaves his job next month so that will be the first to go. One of the great things about YNAB/spending diaries is that I can see straight away how we can save a few hundred per month with simple things - no restaurants and take aways, no new clothes, no lunches out, no dog walker. Simple really... We still can't make ends meet if he isn't working but hopefully his job#2 will bring in enough until he gets something else.

Usual stuff from me:
- brekkie at work - free milk
- packed lunch
- home on lunch - not shopping
- tidying round tonight
- not washing my hair :cool:
- free ebook
- free kindle game
- called sis after free minutes kicked in

Big love everyone!

SpekySquarehead

Good morning all,

Thanks for kicking us off PF, very early start for you.

La escocesa - Great to hear someone else so positive about YNAB and hope the budgeting goes well going forward with the changes to your OH's job.

My list today;
Make breakfast at home
Bring lunch and snacks to work
Exercise
Start budget for August
Analyse spend for July
Check banks and YNAB
Check free post code lottery

Have a nice day everybody and thanks for the lovely messages yesterday.

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,

Quick post.

Debt Free-Nillionaire Continuity Plan Year Two:

* Do RM Surveys.

* Work. Just have a 'feeling' about today.

* Take a packed lunch.

Live long, live well and prosper.

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.

Today's list:

Packed lunch for DH - Done
Check Bank - Done
RM Survey - Done
Exercise -
Football Training with DS -
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

determined_new_ms

Morning guys - just!

Thanks for the start PF!

legomum & ally finger crossed that the day pans out good for you both x

la E sorry to hear about your dh's job. Hopefully it won't be too long before he gets another. And think of the silver lining, at least you "won't have to lift a finger around the house" *said tongue in cheek!*

Quick post for me as want to crack on with the things I need to do so I can sit down and read my book for a bit!

* did a ms assignment this morning - mmmmm breakfast
* while in town picked up uht milk (for making yogurt), orange juice and eggs forgotten yesterday. Used £1.50 MOC so only cost me 53p :T
* picked up some stickers and paint brushes for activities for dgd & my godson who is coming for a play date tonight. Going to make rockets (using kitchen roll inserts) decorate with stickers, and launch from a cardboard box with the help of an elastic band
* picked runner beans and a few french beans
* marinating chicken in orange juice and honey for dinner tonight

Still to do:
* crazy hour or so clean at top speed!
* get some pictures of the kids favourite characters and email to oh to print off for the rockets
* all meals from stores
* make yogurt
* washed takeaway coffee cup to store for next years seedlings
* look for new cc for stoozing account
* look for better mobile deal - might just go payg....
* look for better/cheaper supplier
* go and do another ms assignment this afternoon
* spend an hour reading my book :T
* list 10 things on fleabay tonight

Ok think that's me. Better get cracking x

La_escocesa

Hee hee hee DNMS - I am looking forward to leaving him my to do list :rotfl:

foxgloves

Hello Frugalistas,
Not such a big list today. Have a meeting later, & have had to prepare for that plus some other similar community stuff. Anyway, am keeping the MSE faith:
*Washed hair & let it dry naturally.
*The loan paperwork has arrived so we will be reading that through VERY carefully later on.
*Dinner as per meal plans - cheesy courgette pasta using our home grown courgettes & herbs.
*Discuss guests situation with mr f - we have guests coming next week & we need to fine-tune meal plans for then & decide when we are going to do the shopping. An online order may be the best solution.
*Did some surveys - numbers adding up quite nicely now that I'm stepping up my participation rate. They can be so dull, I'd been slacking, but it's good to see points totals increasing.
*Recycled an envelope with a sticky label.
*Water veggie garden & greenhouse.
*Do the ironing - next job for this afternoon. Will only be doing those items which really need it & will switch off to press final garment. It won't save much electricity but it adds up over a year or two.
*All free leisure - knitting Mum's present (only did about 25 rows yesterday which wasn't very productive) & updated my blog.
*Look through shopping voucher stash & see if there's anything we can use this week.
*Mashed cat's dinner from last night with some new food to avoid waste. (He's still wasted it but I haven't given up yet).
That will be it for today. Much bigger list tomorrow, as it's my Big Budget Day.
Cheers all,
f x
Oh, & thanks to those who suggested effective baby sunscreen - it is for cat's ears!! Vet says has to be hypo-allergenic for cats as they try to lick it off.

crazy_cat_lady

My goodness - I can't believe that it's after 2pm already and I've been so busy - on a day I had nothing planned as well.
Had to take the cat to her post op check at the vet this morning - she's got an infection and has lost a load of weight since her op. More expense, both at the vet and on food for her... I do love her but I just wish she'd catch me a financial break once.
So today I have already
checked banking and made a PAD to the cc
wombled a free phone upgrade, and recycled my old phone to ds as his birthday present so that's that sorted.
checked various free draws (no luck)
taken the cat to the vet £££££ :eek:
been to pets at home for 'various' expensive cat food to try and encourage tortie to eat
washing up
load of washing out to dry
fuelled car and checked tyres
And I will also
pack for our trip tomorrow
visit bestie with keys as she's feeding cats for us
crochet
nap (possibly) as I had a rotten night last night
get dh to put the rubbish and recycling out
try not to stress
Hope everyone is doing ok.