Thursday 28th 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 frugal pals. Working from home today :j

Foxgloves I have some hypoallergenic children's suncream I can post to you if you want to PM me your address. There isn't anything wrong with it, it just takes ages to get loads out of the ineffective spray. Not an issue for two cats ears but a pain in the proverbial when trying to cover to (not so short) smalls :rotfl:

My list for today:
Washing will be out when it's finished, currently washing on 30
Febreezed an item and its drying outside
DH to do tip run for things that are just not saleable or suitable for CS
List a few items on fleabay
Check banking, surveys and FPL
Lots of work whilst at home, check holidays I have booked for next few weeks and may move to make better use of them
Meals from stores/planner
Water tomato plant
Cancel subscription - didn't do this yesterday

Think that's it for now, check back later

SpekySquarehead

Morning PF and all who come thereafter,

My standard pay-day list;
Check banks and YNAB
Check free postcode lottery
Budget for August
Pay CC
Bring lunch and snacks to work
Exercise

I think that'll do me for now.

Have nice day everyone.

Julie67

Morning all,

I haven't posted for a while but read everyday and feel like we are really moving forward getting rid of the debt. Anyway todays list:
Check banks, fill in form for a new bank account (will help with money organising so that the main current account is just for bills)
Check budget folder
Cook from scratch from our meal planner
Post items sold on ebay
wash and dry outside , fingers crossed the rain stays away
go to Tesco, Hubbys favourite coffee on special offer. Just buy what is on my list as I can't get this at Aldi.
Down to 6 creditors on our DMP as paid number 7 in full yesterday:j
Have a good day all

ClootiesMum

Thanks for the start PF - and Julie - well done on getting rid of 1 debt
Today's challenges are:-

• Pull together information for work
• Sort bills for month end - I NEED to do this as it's worrying me
• Meals from stores
• Try to fix camera (for taking pictures for selling stuff)
• Spend an hour in the garage to start clearing it - garage is scary :eek:

:eek:
I thought I had a lot more to do but as I managed to catch up on a few things yesterday so my list is not as bad as I thought

Have a good day y'all

La_escocesa

Hi everyone :wave:

I threw caution to the DFW-wind and put my wet clothes straight into the TD rather than hanging them up! :rotfl: Check me go – rock and roll! I’ve got visitors this weekend so I needed to get through them quick smart. Made such a difference!

Here’s me:
Brekkie in work – free milk :cool:
Going home on lunch to tidy round – no spending!!
Having a think about a wee shopping list for this weekend’s groceries… Ts tonight. :think:
Working job#2 tonight :A
Sorting bag for CS – work do collections and get company matching on them :A
Reconciled YNAB :dance:

Need to bite the bullet and call mortgage co today.

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.

foxgloves

Purple Fairy - Thanks so much for offering your unwanted hypoallergenic suncream to my troublesome mog. He will be very appreciative.....well, I'm sure HE won't, but I am. I will PM you my address.
f x

ziggy2407

Good Afternoon 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.

Not feeling great today, banging headache and struggling with coccyx pain (I fractured my coccyx) which means its agony on the bike. Today's list:

Packed lunch for DH - Done
Check Bank - Done
RM Survey - Done
Take DS to town to exchange faulty item - Done
Exercise -
Meal out tonight with DH, DS and DD -
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

foxgloves

Hello Thursday Savers,
Lots of money saving stuff going on here today. Here is the list:
*Harvested beetroot crop first thing - all in kitchen sink for playing with later this afternoon.
*Picked 600g homegrown tomatoes & another cucumber.
*Water greenhouse veggies - the rain is seeing to the outside ones.
*Signed loan contract for sending back today. Double-checked the monthly repayments & start date & put this info on my budget spreadsheet.
*My Big Budget Day today, so lots of financial jobs - Reconciled July's budget. All ok - just that grocery overspend. Still managed to pay locksmith without going overdrawn so nice to have that sorted out.
*Set August's budget. All straightforward. I'm used to this now & after trying 2 or 3 different methods, I've found what works for me.
*Paid CC in full, plus an extra £41-80 which is cat's vet bill earlier this week. It won't actually appear until next month's statement, but we had the money, so I thought I would pay it & get it out of the way.
*Set Savings Piggies amounts for this month. Still £100 sitting in the Clothes Piggy unused, so I haven't put anything else in that, have slightly cut the Household Piggy payment because I've promised mr f that we'll get his 3 IKEA storage units this month so I wanted to offset the cost of those.
*Wrote up new month's grocery spending sheet for my filofax.
*Read energy meters & uploaded monthly reading online (I get 50 Co-op dividend points each month for doing this & it keeps our account straight too).
*Recycled a couple of decent envelopes by putting large sticky labels over the address).
*Paid 2 x 50ps into my sealed pot.
*Put a leftover £5 from July's Personal Spends into my little secret tin.
*Rounded up small change & paid into our shrapnel tin.
*Did a few surveys.
*Entered 2 supermarket feedback prize draws
*4 competitions to do - will do this over a cuppa when I've finished messing about with the beetroot.
*Jacket potato night tonight. mr f has selected some leftoever chicken in gravy from the freezer & is going to use up miscellaneous veg. I'm going to use up the last of the goat's cheese with some of my lovely beetroot & a big homegrown salad.
*Make tomorrow's packed lunch.
*Do 2 meal plans - 1 for next week as usual for the 2 of us, then another for the long weekend when we have guests. Have already re-thought lunch on one of those days which involved buying at least 4 things.......& will now be making something nice which only requires 1 item to be purchased. Sometimes it really is just these very small things which make a difference, as I reckon this tiny swap will save at least £8 - £10.
*Start shopping list.
*Knit a bit more of Mum's present
That's plenty for today. Time to go & tackle the beetroot.
Keep your hands on your pence, there's an awful lot of tat out there going 'Buy me, buy me. I am so awesome & I will make your life complete'..........pence back in your purse, friends, you know tat when you see it!
F xx

allydowd

Hi July Joculants,

Quick post, again. Horrendously busy.

Debt Free-Nillionaire Continuity Plan Year Two:

* Do RM Surveys.

* Worked this morning, got to go back in for an hour tonight.

* Hospital appointment. I am "out on parole" til Feb. Hurrah.

* August Budget is planned. MOT due. :eek: Freezer leaking. :eek: However, DW just secured two new work contracts. :j

Live long, live well and prosper.