What small DFW things will you do w/c 11th June??

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

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)
• Freegle (Link)
  
• Free Postcode Lottery( Link )
• FreeStuff (Link)
• FreeUKStuff ( Link )
  
• Income Tax Calculator (Link)
• i-Say Surveys (Link)
• Jobseekers Railcard (Link)
  
• List of online newspapers. At bottom of the linked page. (Link)
  
• LuckyPhone free lottery with loyalty rewards (Link)
• Marriage Tax Allowance (Link)
• Martin Lewis' Weekly List of Deals and Tips (Link)
• MSE Bank Charges Comparison Tool (Link)
  
• MSE Boost Your Income page. Gateway to lots of money-making links. (Link)
• MSE Budget Planner (Link)
  
• MSE Abbreviations Explained (Link)
  
• MSE Deals and Vouchers (Link)
• MSE Demotivator Tool (Link)
• MSE Credit Card Minimum Repayment Calculator (Link)
• MSE Money Makover (Link)
• MSE Piggybank Budgeting (Link)
• MSE Stoozing Guide (Link)
  
• MSE Wow Offers (Link)
  
• NHS Minor Ailment Service article (Link)
• My Supermarket (Link)
  
• Number Plate Lotto (Link)
  
• OnePoll (Link)
  
• Quidco (Link)
  
• Reclaim PPI at no cost to yourself without using a claims company. (Link)
• Reclaim Packaged Bank Account fees at no cost to yourself without using a claims company.(Link)
• Reclaim phone credit (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)
• Start Rescue Breakdown Cover (Link)
• Super Saver Amazon Delivery Tool (Link)
  
• Survey sites that pay for your opinions (Link)
  
• Swagbucks (Link)
  
• Swapit (Link)
  
• Tickety Split cheap train tickets (Link)
• Toluna (Link)
  
• TopCashBack (Link)
• Wombling Guide (Link)
• You Need A Budget site and App (Link)

If any of the links are broken, let me know.

allydowd

Hi June-Penny-Jugglers

It's my weekend it's going to be a nice day at Dowd-Towers-By-The-Sea. I've woken too early so I'm off to climb a local hill before breakfast. It's a 10min drive to the foot of it.

Debt-Free-Nillionaire Continuity Plan Year Four:

* Checked online banking.

* Breakfast is leftovers.


* Enjoy a CD I already own.


* Turned off alarm clock until tonight, it resets itself automatically.

* Checked DW's online banking.

* Use Ordnance Survey maps free from a code a kind friend gave to me.

More later...



To live without risk is to risk not living.

Slowdown

Hi

I've not posted on this thread before but would like to join in and focus on the small pleasures life has to offer.(and the free ones!)

Today I will be

Doing yoga in the sitting room instead of in a class

Making two birthday cards

Making myself a sealed piggy bank to save £2 coins

Relieving the driveway of it's weeds

Using up leftovers for lunch

Scouring the freezer for supper items rather than going shopping

Have fun on a DFW day everyone.

DawnW

Morning all

Thanks for starting us off Ally, and hello to Slowdown :wave:

It is a lovely morning here, though no hills to climb
Just had HG strawberries for breakfast again - it is amazing how many you get from a few hanging baskets


Today's plans:
Some tidying /rearranging / putting away in house and garden
Some cleaning too, I guess
Change dining room curtains - no spend involved, as I have a lovely summery looking pair in one of the trunks, made for me by a friend about 30 years ago :rotfl:

Pick more strawberries and mangetout

Check banks and update spreadsheets
Sainsburys for the couple of items I couldn't get in lidls yesterday
Also donate to their food bank collection trolley
Go along to my sales unit, tidy up and add a few things to make it look fresh
All food from home - mushroom omelettes for dinner tonight


Will be back later to add on other things (hopefully), but more coffee needed first!

determined_new_ms

Morning day 3 of 6 off I have something I need to do this afternoon so really only have morning & evening that are my own....

* plant seeds & pot on toms & cucumbers
* go through finances & pay off some personal spends from cc
* remind oh he owes me money & pay him for groceries he bought last week
* cut out pattern & fabric for skirt (didn't do this yesterday)
* call in at lidl and get a couple of bits. I'm trying to run down stores
* continue reading library book
* depending on time I might pop to the allotment to pick strawberries after my appt
* list a few things on fleabay

Ok that's all

determined_new_ms

DawnW wrote: »

Morning all



It is a lovely morning here, though no hills to climb
Just had HG strawberries for breakfast again - it is amazing how many you get from a few hanging baskets

I've got about 50 plants at the allotment (do you remember last year my dd's friend gave me over a 100 plants and I couldn't bear to throw any away?! :rotfl:) about 30 are ever bearing. If last year is anything to go by June will have the biggest burst. Yesterday I picked 2 punnets. Then they'll slow down for about a month then after that a punnet every couple of days for the rest of the period. Although as it's the 2nd year there'll be more than last year

Happy_Kitties

Morning everyone

Thanks for starting us off Ally

Welcome slowdown it's a great thread that helps keep me on the straight and narrow

Going to send the email in a minute that I have been dodging, don't know why it's a simple email.
Need to go out this morning to get some banking done
Def having a NSD as we have lots of bits to use up that DD has been impressively doing well with. I'm shocked and surprised, it's amazing what a year at uni can do for you. DD has always been a money saver she just couldn't cook!!!!
When I went for cat litter yesterday I picked up cheap sandwiches, plain ham and chicken ones for 8p with the aim of using some of the meat to help the cat with its meds, didn't get chance, bec we had had a big lunch, DD had the sandwiches for supper sharing with her cat. I managed to snaffle one before that was eaten

Sold an electronic item for DD on eb@y only to get fraud messages from eb@y sent and the listing blocked, not about me but about the winning bidder. They were very impressive on how fast they acted and provided information on different potential scenarios that could crop up. Bec they had acted so fast none really affect me it just means that I've had to relist the item again. Wasn't even allowed to do a second chance listing due to them completely blocking the original listing. Hopefully this one will run smoothly.
Must clean bathroom today-i will do it
Accepted another RM survey-going to try and save the extra vouchers for Christmas for food now

Have a great day everyone x

PurpleFairy26

Morning all :hello:

Very jealous of the strawberry talk. I just can't grow them, ok with other things but these out fix me every year hope your walk was good ally hello slowdown
My things to day:
Check banking
Paid expenses I was paid today to cc, very good as I only submitted them Friday morning
Used some of my barginous free range eggs from local farm for a breakfast omlette
Peg washing out done overnight, see if I can get another out before work
Small on School trip today, already paid for
Fly lady bathroom
Mince out of freezer for tea, trying something new with hummus and flatbread, may make Foxgloves recipe if I have time, if not will use a tortilla from shop
Packaged up 4 things that sold on fleabay move money to LPDF
See if I can get a couple more listed, relist some that didn't sell at least
Hopefully get to the gym later if DH is not to late Home, or a run outside if late.

Right, best get on or I'll be late for school. Have a good day.

foxgloves

Morning all, & welcome to Slowdown - we love new people on here!
Am envious of all this talk of strawberries. It just shows what a difference it makes living in the south. Despite me not really technically being in the north, it's far enough to make a difference. Our plants are covered in fruits, but all small & green at the moment. They'll be nice when they ripen though.

Today's list is going well....am cracking through it:
*Rubber ham hock - it did a meal yesterday & I have divvied it up for another 2 meals plus a sandwich.
*The stock from cooking it will be frozen for when I next make lentil soup.
*Waterered veggies.
*3 laundry loads pegged out for free drying. One was a cheap overnight load.
*Did a few surveys.
*Entered 3 prize draws.
*Updated grocery budget.Wasn't looking forward to this, as thought we had overspent by a fair amount last week, but when I applied myself to the maths, I found that the overspend was only around £4.50, so could have been a lot worse, & this was mostly because we bought a bigger bag of cat biscuits than usual as we saw a decent brand on offer.
*Tweaked a few 'pots' of money, just for accuracy.
*Not an NSD, as popped out for stamps, tomato feed (I was convinced we had some, but didn't find any while blitzing the shed yesterday) & bird peanuts, as it's kicking off here with sparrows getting really aggressive over who is going to get the last 6 left in the feeder.....answer atm = NO-ONE, as there's no eating going on, just fighting!
*Make tomorrow's packed lunch.
*Sort out fridge. Work out how many peppers I need to make this week's meals, then prep & freeze the rest.
*Stitch more of the birthday gift I'm working on.
*Feed sourdough jar ready for baking a loaf tomorrow or Wednesday.
*Today's free fitness will mostly be sorting out the pond, which needs another session of bending & stretching to reduce the duckweed again. Tedious task, but the frogs will love me for it & it's bound to add some good nutrients to the compost bins.
And that will be pretty much my day. We both overdid it in the garden yesterday. I planted out our sweetcorn, sowed rocket & a few other jobs, then decided to blitz my half of the shed. I was ruthless & turned out 4 sacks of clutter. I worked at a steady pace, but all the bending, twisting & reaching has set off that naughty little group of muscles in my back again, so I must be careful today.
OK, off into the sunshine.......& will also check that Cat hasn't made his way round to the front of the house as the aggressive thug cat which attacks anything with whiskers has been spraying & posturing like mad around our end of the street & our cat was hurt in the last run-in. Unfortunately, he stays & fights instead of running for cover.
F x

Gemsy81

Afternoon everyone! I finished work earlier than anticipated so I have used the time to updated my YNAB....and am pleased that we are sticking well within our budgets this month, in fact we are a little ahead, so I am feeling rather pleased with myself! Popped into town with LO earlier and had an ice-cream, plus found Grazia magazine reduced down to 50p from 2.50 - newsagents were running a promotion, so that was a bargain and I will read it in the sun later today Also popped to the bank, and banked two cheques.

Sticking to meal plan today....also going through my ebay items and relist anything I think we will manage to sell still.

Have a great day everyone, its really hot and sunny here, so very pleased to have an afternoon off in the garden!