Mon 1st August - What Small Debt Free Wannabe style things will you do today?

allydowd

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:

allydowd

Hi August Awesome-ees,

Went to work for a "couple of hours"...ended up staying 8.5! Oh well, the money will be nice. Came home to find DW and already crawled into bed. I'm hungry so I'm munching leftovers. Two days off now. Hurrah! Just as well, my brain is mangled.

Random thought for the day: "Only now is real."

Debt Free-Nillionaire Continuity Plan Year Two:

* Consider MOTing the car.

* Check broadband allowance.

* Use Andrew Johnson's new, free meditation MP3 "Quiet Mind" as mentioned on yesterday's thread.

* Long walk with DW along the coast.

Live long, live well and prosper.

PurpleFairy26

Morning all. Thanks for starting us off ally :hello: enjoy your days off. I'm off on holiday and still woke up at 6 :eek: I'm sure tomorrow when I need to get up tomrrow it won't be quite the same story :rotfl:

Today will mainly look like this :
Check banking, lots of DD have gone out of the bills account with it been first. Update sheet
Check surveys and FPL
Wrap fleabay parcel and post
Dd2 to dentist, pick up a light bulb and order from shop when in town to save on petrol cost
Visit to bestie :j been far too long
Left over veg from roast fried up for tea.
Message man about doing some work in the house

I'm sure there will be more, check back later. PF.

maria3104

Morning all

Had an exhausting weekend but did nice things.
Managed to avoid the splurge on sat when I took sale stuff back.
Today I have a lengthy job list.
Here goes into August

Maria

crazy_cat_lady

Good morning all :wave: :coffee:
Ally - enjoy your couple of days off. Hope that you're feeling ok.
I'm out and about all day, catching up with a very good friend who always makes me feel good. It's also 1st August and time to get properly back on the mse bandwagon.
Today's plans
not a nsd but all spending recorded in my diary
check banking and PAD to cc
relax and enjoy my day out
crochet later
tiny bit of shopping - essentials only
order cat food
get naughty tortie 1 to the vet for another check up
pokemon hunting with the kids for free exercise
That will do - have a good day all :beer:

angelicious

Morning all

Hope you all had a nice weekend. Off job no 1 now for 2 weeks:j, still have a couple of evenings this week and next week to work in job no 2 but can cope with that lol.

So here's today's list:

Check banks
Check free postcode lottery
Ring BT re phone bill, only started new contract with them in April but they've taken nearly double what they should out of my account this month, NOT HAPPY:mad: so need to ring them and find out why
List 20 things on my fleabay
List 20 things on DH's fleabay
Parcel up up a couple of f leabay sales
Food shopping- done as cheaply as possible naturally
Couple of loads of washing on line
Another load of washing to stick on
Run a few errands for my mother
Clean the house - this is going to take a long time lol and probably won't get this all done today. Will concentrate on kitchen, living room and bathroom and take it from there

Think that's enough to be getting on with

Have. Good day everyone:beer:

SpekySquarehead

Morning!

Short and sweet from me, as always;

Exercise - Done
Bring snacks and lunch to work - Done
Check banks and YNAB - Done
Check free postcode lottery
Transfer my friend money
Don't spend anything apart form the above
Healthy homemade dinner
Early night

Enjoy your days off Ally and have fun seeing your best friend today PF

Bagpuss741

Today I have/will:

1. Checked online banking
2. Paid bills
3. Meals from stores
4. Went food shopping and stuck to list
5. Walk 7000 steps for bounts points
6. Read free book
7. Updated spreadsheet
8. Surveys
9. FPL

CCL - So glad you found missing kitty, give her a hug from me:)

foxgloves

Morning Campers,
Glad that naughty cat turned up, CCL. What a worry they are! I know that feeling well.
Today's money-saving bits of list:
*Updated diary & calender - always saves me money if I'm organised. Done.
*Watered & fed veggie garden. Done.
*Updated grocery budget. Done.
*Did Onepoll surveys & a few Toluna quick clicks. Done.
*Updated 2 longer survey projects I'm involved with at the moment. Done.
*Paid a transaction off CC - only used it to maximise points for loyalty vouchers, Done.
*Paid cash withdrawn over the weekend into our Savings Piggies as per August's budget. Done.
*Made a list of jobs I can usefully do in town tomorrow when I will have the car. Done.
*Made a loaf in the BM. Done.
*Laundry done overnight on cheap tariff. Now blowing dry in the sunshine. Now washing door curtain. Full price wash but it will dry for free before the rain kicks in later. Done.
*Consult meal plans & take relevant items out of the freezer. Done.
Still to do:
-Pick courgettes. There are lots so I will wok a load with garlic to do with dinner.
-Photograph, weigh & list a few more items for ebay.
-Knit more of Mum's present.
-Write a letter (recycled envelope & already have stamp, so will not spoil my NSD today).
Have a good Monday everyone - if not, just dust yourself off & start again tomorrow. Keep you hands on your pence, friends!
F xx

ziggy2407

Good Afternoon All

Ally - Thanks for starting us off today, enjoy your days off

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.

Really tired today as not slept well, DS popped tent up in garden and decided he'd like to sleep out. Today's list:

Packed lunch for DH - Done
Check Bank - Done
RM Survey - Done
Upload receipts to COS - Done
Filing & Shredding -
Declutter -
Exercise -
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

Hi guys! Typed out post and keyboard went squiffy and it. so stomped off in a huff!

Things done so far:

* checking and reconciled cc statement - well kinda it's out by £21 so need to go back and work out what that is!
* paid cm
* got all accounts/pots straight with spends over the last month.
* made yogurt last night and have frozen a starter for the next batch - works out 61p for a litre
* currently straining said yogurt to turn it into greek yogurt mmmmm
* called new employer re start date. It's been 2 months since I was offered the job. That means 2 months of no income and this month I have had to dip into my savings for a number of things. Just waiting for the dbs but looks like it'll be end Sept before I get any cash
* all meals from stores
* clean house
* going to collect a mattress for dd. She has been offered a LA flat and will move any day but as it is a council flat it is completely unfurnished. Have got her a bed, chest of drawers and sofa (my brother has given me some money to help), she has got a washing machine, vacuum cleaner, cups, plates and fridge. Still urgently needs curtains, cooker, carpets (not urgent). Am just worried that her mh will deteriorate if the flat doesn't look nice/homely quickly and her mh hasn't been good for the last 2 months. The high of getting somewhere permanent will quickly go and the higher she gets in this period will mean a lower low

For those who could give a rats.... we spent £181 on groceries last month. It works out about £6 pd for the 3 of us and includes 1 take away - well it was Maccy Ds on dg's birthday. This month going to get a nice pizza in the freezer for the inevitable day we cba!

I am struggling to get this lower at the moment as I don't have the time, inclination or freezer space to be hunting out ys bargains. Need to rethink this... Currently 90% of veg is *free* as I am growing it. In the winter months that will be an increase. This really is the top amount we can afford at this point, until I start my new job but even then we can't really afford much more. I do everything I can to avoid wasting anything, adjusting meal plans to use things up, having what needs using rather than what we fancy, really trying hard to make meal plans that bases meals around what we have rather than these things being side items - if you see what I mean? I don't know what more I can do?! Think I'm going to give up meat, but wouldn't be able to convince oh of that and protein is really important for dgd while she's growing as she is. Advice, tip & thoughts would be appreciated!

* going to make some laundry gloop - anyone else used this?

Ok going now! Have a great day everyone