What small DFW things will you do w/c 20th August?

1LuckyLady

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:

1LuckyLady

Morning all, I'm hoping I've not crossed posts with anyone this morning!

Pf, thanks for asking after me last week
Foxgloves I hope that your mum is doing better
Dawn thanks for asking after me last week. I hope your back is feeling better and that you have a nice few days away.
Ziggy So sorry to hear that you aren't enjoying your holiday, I hope you're ok.


Dh is back to work today, the weather isn't great so I think today will be mainly at home (which the kids are asking for as they want to play) so I should manage to get quite a bit done today.

Ok, its going to be a massive starting list from me but I feel the need to be productive so here goes....
Switched off ds's bedroom clocks as they won't be in there all day anyway and the clocks reset automatically.
Breakfasts - ys bread out of the freezer for toast
Check banking/update spreadsheet still in the black but definitely need to rein in the food spends
Check payment has gone out of newly switched bank account correctly the first payments gone ok but another due out tomorrow is still showing old details on the account so will see what happens tomorrow - covered by switch guarantee anyway so not overly concerned.
Divide the pack of chicken received from musc1efood order into portions and freeze
Triage fridge and wipe out Nothing going to waste which is good
Update freezer list Lots of meat to put into meals in there now )
Meal plan for the week (including snacks) Rough plan done but its interchangeable if needs be
Sort out shopping list after ^^ not enough needed to make a trip to the shops which is good!
Rm survey
Get filing put away, clear my cupboard in my sitting room which has become a paperwork dumping ground whilst dh has been home with us the last couple of weeks.
* Get ds to check his school stationary - don't want a last minute dash to the shops to source bits and pieces the day before going back to school
Supervise the kids with prepping their own pots of overnight oats for tomorrow, the recipe they followed last week wasn't a hit as they found it too bitter, will reduce the amount of cocoa powder and replace the berries with mashed banana I think
Lunch will be soup/bread [STRIKE]or jacket potato and tuna [/STRIKE] & tinned prunes for dessert
* Tea tonight will be some enchiladas and salad
* Get airers out get yesterdays washing dried as its rained overnight
Sort out pile I have to get rid of, some for cs/ some for the fabric recycling bin at the tip
Put a support ticket into TCB about some cb still showing as pending since Jan and requested a payment via amzn gift card whilst on there, only a fiver but it all helps
Do a bit of onepoll 90p worth more then I started the day with
* Do a bit on swag$ as I aren't that far off a small payout
Check isay surveys as again not far away from small payout 2 screen outs but another 20 points closer to payout at least )
* Read some of my library book ( & go online to renew it so that we don't incur any late fees )
* Use my headspace app - as it really did help my anxiety when I was using it daily before
* Write in my gratitude journal before bed, I think this helps me sleep better - focusing on positives before trying to fall asleep.
Check off mr T cc, used for majority of our spends to maximise vouchers but always paid off in full. Its a big bill this month which looked scary but its only a big one because we cancelled our other cc as it had a monthly fee so all spends are now on this one.
Checked £co and claimed a £1.20 M&s voucher from them - every little helps and all that!
Made dh's lunch for tomorrow
Checked p1n3cone and had enough points to convert a £5 amzon voucher

Have a good day all.

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)
  
• 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)
  
• 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)
  
• OnePoll (Link)
• Pick My Postcode Lottery ( Link ) New!
• 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 August-Austerees,

Afternoon!:coffee:It's still my weekend. Had a lovely day walking yesterday. Snaffled a few wild-growing raspberries and DW photographed a kestrel and a whole host of other things. We were tired when we finished but hadn't pre-prepared a meal so we bought one of those £7.50 Indian takeaways in a bag from Morrisons. Not very money-saving but cheaper than a £20 Indian takeaway.

:exclamati Doing a few frog jobs today.


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.

* Check DW's online banking. Done.

* Check loyalty points. Done.

* Do own manicure/pedicure. Done.

* Check TopCashBack. Done. Still unpaid.

* Clean bedroom and study with Stardrops washable cloths. Done.


* Give wooden chest of drawers some TLC. Clean and treat with Sheraton's. Done.


:exclamati Harvest some mint and chive from the windowsill. Done.

:exclamati Re-arrange boiler cupboard before something gets damaged in there. Done.

:exclamati Retrieve two odd socks from behind chest of drawers and re-unite with partners. Done.

:exclamati Do a high dust in Study to prevent a mega-deep clean being required at a later date. Done.

:exclamati Treat mould in bathroom and touch up paintwork. Done.

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

1LuckyLady

Hi Ally, A couple of links on the fab list you post up of sites are now out of action, Lucky phone and number plate lotto & free postcode lotto.
Enjoy the rest of your weekend!

carrielovesfanta

Afternoon folks

Big hugs to all and hello to 1LL

Lots to do in work today as have a mountain of stuff to finish before I leave on Weds :eek:

Today's mission:

• Reboiled fruit pulp to extract maximal juice - done
• B/D from stores. Treated my friend to lunch because I muddled the date and missed her wedding on Sat!!!!
• Charge phone in work - done
• Work work work work work
• Crochet before bed?

Lather, rinse and repeat. Always repeat.

clf x

allydowd

:exclamati Deep clean behind kitchen bin and boil wash bathroom bin to prevent a Hazmat clean being required at a later date. Use Stardrops and washable cloths. Done.

:exclamati Treat mould in kitchen and touch up paintwork. Done.

:exclamati Clean on top of kitchen cupboards and extractor fan to prevent a Hazmat clean being required at a later date. Use Stardrops and washable cloths. Done.

:exclamati Repair photo frame. Done with just a staple.

allydowd

Forum isn't letting me amend my post. Sigh. Sorry for multiple posts!



:exclamati Repair photo frame that's falling apart with just one staple. Done.

:exclamati Deep clean bathroom mat by hand. Done.

* Make homemade lasagne even though I really want to go buy a takeaway. Done.

:exclamati Encourage DW to clean her hiking shoes to prolongue their life. Done.

* Get some exercise. Done. Walked along the prom. Fleeting glance of a basking shark.

allydowd

1LuckyLady wrote: »

Hi Ally, A couple of links on the fab list you post up of sites are now out of action, Lucky phone and number plate lotto & free postcode lotto.
Enjoy the rest of your weekend!

Thanks 1LL. I've updated the list.

natlie

Hi

I'm full of cold so working from home today

Washing is on the line
[STRIKE]EBay's packed for posting[/STRIKE] 3 of 6 posted
Hubby had Universal Credit meeting and they approved us for an advance payment at worst we won't be entitled to anything and we'll have to pay it back monthly but is basically an interest free loan so we will pay off a whole CC with it - result! If we get £5 a month I would be happy my son would get free school dinners
[STRIKE]I have a breakfast buffet to cater for tomorrow[/STRIKE] done
I have a larger buffet on Thursday 21 people for lunch
I have to take my eldest to IKEA to get some bits for uni, bedding etc - her gran has given her some money which is nice
GCSE results tomorrow :eek: 1 outstanding English Language mark for eldest before she goes to Uni - should be fine as she's been accepted already this was 5th resit
[STRIKE]Kitchen needs a clean[/STRIKE] done
[STRIKE]Shopping being delivered after 8pm as its cheaper delivery[/STRIKE]
Transfered £1045 from 18% card to 0% card
picked up a cheap presents for the xmas pressies box

Off to bathe my dirty son now - great he has friends to play with outside in the garden - but how do they get so messy!

Nat

PurpleFairy26

Evening all :hello:

Lovely to see you 1LL hope you've been having a good break. Our food spends are ridiculous too all food just seems to have shot up in price :eek:

Today has been ok, I have :

Scrabbled a sandwich together for lunch when nothing inspired me and it would have been easy to raid the canteen
Hot drink for commute
Made some chocolate tiffin, which is currently hardening in freezer
Took some quiche out for DH lunch tomorrow
Picked all my spuds, roasting some for tea
Picked more tomatoes and what may well be the last of the raspberries
Had a quick tidy round garden whilst out there, still loads to do but feel better for what I managed
Check banking
Load of washing on timer so I can peg out or out on airer in the morning

Be off to bed as soon as DH comes in from very long day at work.