What small DFW things will you do w/c 23rd July?

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 July-Penny-Jailers,

Going for a second wee cycle today on Bike & Go bike. Hired it for 24 hours starting at lunchtime so I could cycle once yesterday and once today on a one-day hire charge!



Debt-Free-Nillionaire Continuity Plan Year Four:

THINGS I WILL DO:

* Check online banking. Done.

* Take medication. Done.

* Turn alarm clock off at the wall til tonight. Done.

* Get some exercise. Cycled.

* Post a laptop I sold on eBay. Done.





Things don't have to be perfect to be wonderful.

ziggy2407

Good Morning All

Ally - 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 I am so tired, really shocking nights sleep, we will/have:

Checked Bank & made PAD - Done
Declutter -
Home Pamper session -
Enter a few comps -
Purge a few emails -
All meals from cupboards/fridge/freezer -
Checked: Tombola Stars, Lucky Bob, FPL, WinaDinner -
Read -

Have a great day!

C x

carrielovesfanta

Morning folks

Ally - thanks for starting us off!

ziggy - we cross-posted - I'm sorry you had a rough night

Week has started a bit fubar... OH was gigging last night and there must have been some issue with the power supply as all the equipment fried.

So today OH will be driving to a slightly far away town to take his amp to the chap to see if it can be fixed.

I've had 5 hours sleep

MSE things... not sure if there will be any!

• B/D from stores in some way
• Charge phone in work
• Add all stuff to expenses
• Get some sleep!

Have a good one all

clf x

foxgloves

Morning Monday Pence-handlers,
I'm tired this morning too, Ziggy. Am throwing myself into my job list to see if I liven up.....tho have already stopped for coffee!
*Free fitness today: Brisk walk to post box, vacuum upstairs, wash down external doors, sweep courtyard & de-weed pond. Postbox, vacuuming & 2 doors already done
*Pick more rocket, tomatoes, spring onions, basil, peppers & probably an aubergine.
*Triage of fridge. Am making fajhitas tonight using l/o wraps I froze last time & a tub of the refried beans I batch cooked recently in the slow cooker. Will round up any use-it-up veg to add

foxgloves

Sorry.....a critter crawled up my leg & I pressed enter by accident..
*......cont....it to spicy veg mix.
*Make up more fajhita spice mix as jar almost empty.
*Bake sourdough loaf....it's proving atm.
*Make tomorrow's packed lunch.
*Pick climbing beans, blanch & freeze.
*Overnight laundry done on cheap tariff & pegged out in sunshine.
*Bathroom curtains now in washer. May as well get big household items laundered while we are able to dry them quickly for free.
*Update grocery budget & do banking.
*Bail out this morning's bath water to use on garden.
*Water veg & feed with free liquid plant food from worm composter.
*Knit (presents box).
*Free entertainment - have challenged mr f to a fitbit step count challenge this week. We did one over the weekend. He won, but not by as much as he thought he would! My daily step target is only 7000 steps but I did over 10,000 on Sat & over 12,000 yesterday. I lost 4lbs last week so felt extra-motivated!
Ok, must crack on with washing down that final door & will then hopefully also manage that pondy job before lunch.
Have a good week all,
F xx

crazy_cat_lady

Morning all (just about) :coffee:
Sorry to hear that everyone is struggling with sleep at the moment. I can empathise with you all, although I am going to confess that I actually slept quite well last night. It's a rare occurrence for me, so I am making the most of it.
I have been busy this morning - I've been to see my mortgage advisor at the bank, and she is hopeful that the mortgage will be sorted within a couple of weeks. I really hope so. She is meeting ex on Wednesday to confirm that he is happy for me to take him off the mortgage, the application is done and in so just waiting for that, plus the valuation. Please keep fingers crossed.
I am starting to fall in love with YNAB - I couldn't get along with it when I first started but this time round it seems to be really working for me. Famous last words, but I am hopeful.
Also have sorted out dd's online banking so she is good to go with a real bank account with a debit card and everything. And posted some parcels that were waiting to go. We're just about to head out for a couple of hours so that we're not here when our cleaning lady arrives.

PurpleFairy26

Afternoon all :hello:

Is it contagious this being tired thing I just can't seem to catch up, so I share (those of you whom are tired's) pain. My list today:

Check banking
Reconcile just for points cc
Mince from freezer for tea
Stick to healthy eating, last couple of weeks I've gone off my plan a bit and it's bothering me
Try for some exercise but it's so very warm
Flylady bathroom
Take integrated door off washing machine, a none integrated one is coming tomorrow :T
Drink lots of water
Look at offer amaz0n sent through to see if it's worth it for some groceries.
Dye hair (didn't do yesterday)


That's should be enough for today's excursions

allydowd

* Made a homemade smoothie. Much cheaper and healthier than buying one from supermarket.

* Binge-watching Netflix. Getting the most out of our subscription.


* Free wind, rain and waves facial.


* When I posted my parcel at the post office though Parcelforce it seemed to be a bit cheaper than I expected. Looking on the receipt there was a discount applied under code "R4U". Looks like the ParcelForce have a discount scheme. You sign up here and they send you a card for future discounts. (Link)

Happy_Kitties

I'm another one of the 'Where is the sleep club'

I'm getting sleep just in bits with my arm at the minute so don't feel like I've had a decent nights sleep overall or feel refreshed in the morning

I'm very slow with chores, as it is very, very close here. The weather is undecided whether to have a cracking thunder storm or brighten up but it is also draining.
Out this morning to post a parcel and put prescription in.
Really didn't want to go to the supermarket but really needed cat bits. It was noisy and crowded in there so was an extremely quick shop.
Still putting together a large box of items to be sent off for the charity tombola. Hoping it will be done and out of the house by Thursday, now that I will be chuffed with. Items out of the house that can be used by others to raise charity funds.

Quidco checked
Banking all checked, everything good with d. debits
Preparing for a big event tomorrow night but I haven't really done anything and DD stressing about it although there isn't that much to do.

Can't think of anything else for now
Have a good evening everyone