What small DFW things will you do w/c 22nd October?

PurpleFairy26

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 :hello:

Just thought I'd start us off as I'm sitting here with a brew before everyone else is up. Well, up properly. We had a false alarm at 5.30 but I sent them back to bed :rotfl:

Limited opportunities today but still taking them where we can:

Using Mr T vouchers for meal out
Small shop at supermarket for meals for next few days including a couple of picnics
Small load of washing to keep on top of it
Swim and sauna in the facilities
Take a hm coffee with us for the short journey we are planning out today
Check banking
Watch a film tonight or something on the stick we bought with us

Have a good day folks. Purps.

carrielovesfanta

Morning folks!

Thanks to purps for starting us off!

I won the raffle! I get a luxury hire car for a week! Actually am terrified that we'll prang it or it will be stolen :cool:

Need to try and keep calm at work today. A stupid little job has blown up out of all proportion.

Today's mission:

• B/L/D from stores
• Charge phone in work - done
• Gym at lunchtime - done. Better than expected session
• Heating off
• Nip to B&M for ketchup
• No alcohol
• Bit of overtime
• No sugary treats - ooops. A free doughnut is legit right?

Will add more as I go!

Have a good one all

clf x

determined_new_ms

Morning purps & carrie

Thanks for starting us off purps! You're carefree day sounds lovely

Jubilation :j my keys were handed in at my work - such a massive relief! Going to go on the mission to get them and then go into town and get a spare set cut - £45 instead of £130 :money: Should have done it a long time ago but there you are!

I've already tidied up d/s & vacuumed & sewn 3 strips on the quilt. Only 3 left to do. Need to work out backing fabric and pick up a sheet from a cs as it's not quite long enough

Today I intend to:

clean bathroom & madam's bedroom
Go to the allotment for a few hours
making red cabbage & sausage casserole to use up sausages
pick up some bulbs & pansies to plant up pots
Go through cc statement
undo socks cast on yesterday and redo so pattern lines up
listen to audio book/read book
photo and list a few things on fleabay

ok that's all I can think of for now. Happy days guys

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,

Morning!:coffee:Day off. :j We had a long lie this morning. Now both look like the cast of the Walking Dead.


Thanks for the starter PF.



Debt-Free-Nillionaire Continuity Plan Year Four:

* Check online banking. Done.

* Get some exercise.


* Clean house with Stardrops and washable cloths. Done.


* Leftovers for breakfast. Done.

* Triage fridge. Actually nothing in imminent danger of perishing for a change.

* Attack 69p Butternut Squash with a knife and proceed to subject it to high temperatures. Roasted squash soup on the go for lunch with cheap portion of meat bought last week. Tossed in some leftover curry sauce.

* Repair broken headphones with glue. Yup, I broke another pair. Done.

* Repair hem on shorts that came down while we were on holiday. Done. I'd completely forgotten about these.



To be continued....

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

Thrice

Morning all,

I've been MIA since last month, holiday then a back injury... I've barely kept myself together :-(

Tonight after work I'm going to start bagging up all my coins. My local corner shop gave me money bags, they love taking change off me in exchange for notes :-). Should have over £100 there, which will pay off the remainder of christmas presents I've still to buy.

I've bought a cheap 2019 diary as well, I'm going to mark all the birthdays etc in there tonight, plus keep track of other things like my weekly shopping budgets/totals, daily spends, fuel spends etc. Any other suggestions welcome, I'm still not sure what else I can track to make debt busting easier!

Usual for the rest, NSD, BLD from stores, charging phone at work, done some comps at work as well (sshhh!!), and I'll put a washing on and fold the dry stuff away :-)

x

Chandelier.

Afternoon,

Today is a NSD as at work and left purse at home. After I finish work I'll go straight home and probably have an early night as I'm exhausted.

I've updated my online banking and everything is set to go.

Have a good day everyone.

1LuckyLady

Afternoon all, Its a lovely sunny day here which has definitely helped me be productive

Thanks for the starter PF
Great news about the keys Dnms

Todays list

* gym session done and water bottle refilled twice
* called in at the charity shop with all the fabric and bits I'd put in the car ready yesterday, had a walk round the cs and came away with nothing
* washed a load on the quick 30 degree wash and hung out on the line
* ironed just what needed doing from yesterdays washing, the rest was just hung straight away
* reserved 2 more library books for ds1
* updated freezer list and got most of the stuff into the 1 freezer - wanting to switch the other fridge/freezer off next week whilst we are away.
* have the freebie small slowcooker cooking meatballs in a veg sauce (using stuff from the freezer)
* have the large slow cooker with a beef stew for tomorrow (again using stuff out of the freezer)
* read meters and uploaded onto the energy suppliers website.
* down loaded a free app to my phone that ds needs for his cheap fitbit type watch
* spot cleaned the carpet after dh's coffee accident the other day - much better then it was but will give it another go tomorrow
* stewed a couple of bruised apples with some berries out of the freezer, will have with yogurt for dessert tonight
* chopped back some bushes in the garden as they have had a massive grow
* put some old roofing felt from the shed onto the garden and recovered the ground with gravel, its by my washing line and I've walked a bit of a trench over the years!
* hoovered everywhere

Stil need to
** wait in for the boiler man - keeping fingers crossed! he's here still got fingers crossed!
** make families lunches for tomorrow done

** check banking/update spreadsheets/check if dd's have appeared on the accounts done done and done
** check off daily spend credit card used for earning clubcard vouchers (always paid off in full) done
** more of the free online course to help ds2 if I get chance.2 mini modules done


Thats about it Have a good week all.

allydowd

Thrice wrote: »

I've bought a cheap 2019 diary as well, I'm going to mark all the birthdays etc in there tonight, plus keep track of other things like my weekly shopping budgets/totals, daily spends, fuel spends etc. Any other suggestions welcome, I'm still not sure what else I can track to make debt busting easier!

* Dates that free trials end so you can cancel any Direct Debits set up.
* Dates that loyalty schemes payout like Tesco Clubcard points.
* Months when you pay no Council Tax. (In our authority we pay nothing in Feb and March.)
* Local special offers. (e.g. Beef on offer at butchers all through Nov.)

DawnW

Afternoon all
Thanks for starting us off PF
Still here, still coughing, rubbish night's sleep again :mad:
Had to get up early to look after GS while his mum went to a doctor's appointment - only it turns out it wasn't today, but tomorrow, so same again tomorrow morning :cool:
Anyway, got some things done, and more planned:
Checked banks
Ordered repeat prescription
Load of washing already dry, another load on the go
Hoovered round downstairs
Cleaned kitchen
Packed and posted 2 ebay sales
Took some new stock to my sales unit and tidied up
Bought a nice pair of gold ear rings for a good price while I was there - these will do for one of my DDs for a birthday present
Shop in Sainsburys - was going to go to Aldi's first, but decided I couldn't cope with 2 supermarkets and all the traffic this morning :eek: Upside was I found nice lamb shanks and a half leg of lamb in the YS section
Bit of business paperwork
Sorted out a couple of cookery books for the CS - I have some others on ebay, but if they don't go this time they can go to the CS as well. At least one has bids on though Note to self - Do. Not. Buy. Any. More. Cookery. Books. - honestly, it is like an addiction! Mostly they only come from charity shops, but still! If I want to read them I can get them from the library and take them back afterwards.

Still to do:
Some cooking - I want to make a Thai chicken curry, and also put the YS lamb shanks in the SC with some veg.
Clean the bathroom
Update spending diary and spreadsheet with receipts from the last couple of days.
Sort out freezers (again )

And get an early night!