What small DFW things will you do w/c 8th October?

determined_new_ms

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 all. Thanks for starting us off determined :hello:

Hope all is well, my list for today:
Put yesterday's lamb fat that has solidified in a tub in the fridge
Post fleabay parcel
Make a cake, as I made scones yesterday and they won't last
Check banking, update sheet
Leftover roast for tea
Make meatballs for tomorrow
Strip the last of the lamb joint
Pick tomatoes

Hmm, that's all rather food related isn't it :rotfl:

I'm sure there maybe more, check back later. Am working form home, so hoping to squeeze a run in.

DawnW

Morning all
Thanks for starting the thread DNMS - hope you are feeling ok this week?
Lol PF, my posts are always food centred as well - but it is one area where small things can make a big difference to spending!
Hospital appointment today, annoyingly 30 odd miles away (we live in a semi rural area / edge of very small town, so even the 'local' hospital is about 15 miles away). It is mid afternoon so reckon we can leave directly after lunch, at least giving me time to do a few things beforehand! Done, thank goodness, and I don't need to go back for 12 months :j:j:j

So, today's list:
Have checked banks already, need to update spreadsheet Still to do
Fold dry washing and peg out the load done late yesterday afternoon Done, but need to put it on the airer to finish off now
Put another load on to wash Done
Make a soup with nice jellied stock in fridge. I have taken out of the freezer some too-salty cooked ham (forgot to presoak it ) but am rescuing this by soaking it before chopping and using in soup. I didn't know if it would work soaking it after cooking to get rid of excess salt, but it does Obviously it makes it a bit soggy though, so really only useful for soups / other cooked dishes as opposed to eating it simply as cooked ham! I have plenty of veg / lentils to add Done
Freeze some of the scones I made yesterday Done
Freeze anything from fridge that doesn't go into the soup / needs using Just some mushrooms, whose stalks went into the soup
Finish up avocado hummus for lunch - don't think I will make it again. It is ok, but a bit so what, IYSWIM, and not cheap to make, though avos were YS. Had soup instead, will finish up tomorrow
Chilli / rest of baked massive courgette for dinner, just need some rice to go with that Done, but had jacket potato with it instead
Ring and make flu injection appointment Forgot, and after the hospital consultant nagged me about it, too
Find and pack ebay item that sold overnight Done, but now sold another item, so need to pack that also!
List at least one new item Listed 3, one of which has already sold
Label up items for sales unit tomorrow. I want to do a total restock and change everything round (love playing shops :rotfl:) I have chucked the box, with the labels into the back of the car, and will do it at the shop tomorrow!
Maybe a bit of cleaning Cleaned the bathroom and dusted the bedroom furniture, better than nothing!
Investigated a cardigan I bought in a CS the other day. Got it home and discovered that the front had been sewn up in places. Can't think why - suspected that it was damaged or torn. Anyway, I undid the stitching and pulled out the threads and it is actually perfect, so pleased about that, as I had lost the receipt!


Plenty to be getting on with there, better finish coffee and get on!
Shattered after stressful hospital appointment (condition which can potentially get very serious) and large amount of blood tests taken, as I am involved in a clinical trial - but good news, as it is stable and I don't need to go back for 12 months, instead of the usual 6 :j

Called into Mr S on the way back for bread, potatoes, foil and porridge that I have either run out of or am about to do so. Picked up a couple of YS bits as well. Also paid for parking at the hospital and treated myself to a magazine to read while waiting for my appointment (the only time I do these days).

Did, or rather didn't do, a couple of surveys, as I was screened out, but awarded a few points anyway
Another 2 charity clothes bags appeared through the letterbox, so these will be used as free binbags - I prefer to donate to one or other of the local small charity shops where almost all of the money raised goes to the cause concerned, rather than to these businesses who state that they will give a small percentage to the named charity (check out the small print, as they do vary - a bit). Having said that, better them than landfill!


OH has gone round to neighbour's to watch a ghastly programme about American junk dealers (dunno what people would say if we British junk dealers carried on like they do :rotfl::eek:), so I am going to update my spreadsheet with bank info and today's spends, put the washing on the airer and see about an early night!

carrielovesfanta

Morning folks

Thanks to DNMS for starting us off

Lots of food related items going on I see! Here's to a good week for all!

My mission today:

• B/L/D from stores - done
• Heating off - done
• No alcohol - done
• Charge phone in work - done
• Use reusable mooncup instead of disposable products - done
• Gym at lunchtime - done
• Knit sock - I might start the heel flap - nope
• Email company re: refund for awful book bought online - decided to give them til Thursday
• OH to peg washing outside - inside but done
• trip to B&M to buy cheap painkillers - done
• Snaffled a doughnut that appeared in work - done
• Delivered the commission gloves to the customer and they have paid - done

Not much here as usual!

Cheers

Caz

allydowd

MONEY MAKING AND SAVING SITES AS OFTEN MENTIONED IN THIS FORUM:

• Benefits check-up (Link)
• Birthday Freebies (Link) New-ish!
  
• 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)
  
• NHS Free Prescription Checker (Link)
• OnePoll (Link)
• Pick My Postcode Lottery ( 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 October Overthrowers,


Thanks for the starter DNM.

Morning!:coffee:Day off. :j

Today DW tells me we're going somewhere as a surprise. Apparently it's a shop....the mind boggles. I do hope she hasn't got something spendy in mind. I am shopping for a fold-up bike online: maybe it's a bike shop.



Debt-Free-Nillionaire Continuity Plan Year Four:

* Check online banking. Done.

* Get some exercise as I avoided this yesterday. Still avoiding it.

* I will make T-in-the-hole for dinner. Frugal but filling. Done.

* I might make soup later with stuff that's fading away in the fridge. Done.



To be continued....

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

ziggy2407

Good Morning All

DNMS - 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.

Tired today, my brain is on overdrive worrying about things I can't change and over analysing some of mums behaviour and worrying about DS's GCSEs . Today we will

Checked Bank & made PAD - Done
Meat in SC -
Washing & Line dry -
Ironing -
Take mum to hospital -
Investigate contract end dates & mark on calendar (mobiles & tv, broadband etc) -
Enter a few comps -
Purge a few emails -
All meals from cupboards/fridge/freezer -
Checked: Tombola Stars, Lucky Bob, FPL, WinaDinner -
Read Library book -

Have a great day!

C x

Choccygirl123

Vowed to update my diary at least every other day not month!

Choccygirl123

Ooooh

Forgot to add have checked my bank accounts
Parcel up return fir amazon £35 refund
Send back the bio oil that caused a reaction £20

1LuckyLady

Morning all,
:wave: to everyone :grouphug: to those who need it

Welcome to lurkers and newbies

Thank for the new thread dnms

Today's list
Switch dss alarm clock off at the wall for the daytime done
Go to gym after dropping the kids off to make the most of my membership. Will fill up water bottle there. done
Go to arg0s on the way back to return a lamp I don't like done
Call into mr T and get their t bags for dh as he doesn't like the aldee ones and I bought the £1 dinner plates I wanted that they didn't have in last week. done
Aldee shop, stick to the list done
Home for a brunch - done, had frickadellan omelette with spinach, carrot, pepper, onion, tomatoes, handful of nuts, a little oil and vinegar all quickly chopped in my mini chopper I bought last week - I'm loving it! I've eaten far more veg with my brunch as it was all mixed up then I would have done otherwise and I'm full up!
Rm surveys done
Rm other survey unaddressed one done
Triage fridge to make sure nothing goes to waste some odds and ends of veg into my brunch, blitzed a cauli and froze for cauli rice and another cauli (on aldee super 6 so I'd bought two!) is cooking now and I'll make a cheese sauce to go on it later to have with gammon for dh's tea. Me and the boys will finish the last of the weekends stew with some dumplings - added in a 3 bean salad thing from the fridge as part of useup.
Make families lunches for tomorrow done
Check banking/update spreadsheet done
Wash a load on the quick 30 degree wash done
Get the washing out on the line if this drizzle ever stops! not done as its drizzled all day, so its hung up on airers in the spare room now
Hoover round everywhere done
Meal plan for the next few days done, easy once the freezer list was updated
All meals from stores done
Get the freezer list back up to date done
Share bathwater and continue use up of lotions and potions
Check surveys, I'm a close to payout on for one site.
Continue going through my cupboards and reorganising/get rid of anything not needed to the charity shop/tip
Book hairdressers for me - I keep putting this off forgot that it was Monday so not open, will add to list again tomorrow! at least I tried
Book dh's car into the garage for when he's on annual leave at the end of the month done

Take care all.

determined_new_ms

Hi guys thought I'd posted earlier! day 6/7 off Not much planned. Had meant to be getting my teeth done but didn't read the letter that informed me I was nil by mouth 4 hours before the sedation

so came home and went for a walk with pup then walked to the allotment, did some pontificating with sharee about new plot we've been given and plans for them both. Then we went for a coffee and talked pup and now I'm home!

Not much doing - going to sit and knit and watch Killing Eve. Do some quilt fabric cutting a bit later

flaylady a room

make a batch of BNS soup & have lo spag bol for tea

homework & read with madam after school

bath, book & bed early tonight

That'll do me!