What small DFW things will you do w/c 17th December?

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:

determined_new_ms

Morning very quick post for me as for the first time in AGES I am on track not to be late and don't want that time to ebb away!

Whoop 3 more working days of this year :j am in today and then not back till Saturday :j

Today:

* drop pup to co-owner
* give oh missive to collect said pup after work
* all meals from stores
* should get by without spending any money
* do some knitting in lunch break
* check onepoll
* sewing & more knitting this evening
* update expenses

that's all I can think of right now. Hope you all have a good day

PurpleFairy26

Morning all :hello:

Thanks for the starter DNMS last week before Christmas, lots going on so I need to be organised. I'm working until Christmas Eve too, so must use my free time wisely. My list for today:
Wfh as have an appointment this morning for my DD, but she doesn't come iyswim. We'll see how that works out if it's any benefit.
Check banking
Post some cards and Christmas parcels.
Meals from stores
Dd and DH lunch from picnic leftovers yesterday
Catch up with some washing, change 1 bed (see if I can work my way around them through the week)
Heating engineer here later as we had a problem over the weekend, had to pay an excess but from a plan we use. Much cheaper than an emergency engineer
Vacuum through
Get ready for tomorrow as I'm away with work so I need to get me and the house/smalls ready
Get some presents down from the loft, have wrapped all the ones that were down :A
Wrap ^^
Triage fridge

Have a good day everyone. Purps.

DawnW

Morning DNMS and all who follow
Thanks for starting the thread
Determined to get stuff done today, after a frankly lazy weekend
Though if DD turns up with kid(s) this may not happen!
So, plans are to:
Check banks and update spending diary (and spreadsheet later) In progress
Take stuff to sales unit and tidy / restock Done, and had a decent sale almost immediately, which was great, as hardly anything sold last week
Bring unsold stuff back and put it away Done :A
If time (and DD) allows, finish off the Christmas present shopping. Not much needed, but need to get it sorted! Got a few bits from the supermarket, more tomorrow when I will park in the town centre for the post office
Post Christmas cards Done
All meals from home Done
Some housework and ir*ning :eek: Done
Turf cushions, throws etc out of large drawer in lounge, and rehome them. Plan is to stash all my packaging stuff in there, instead of it spilling out of a corner of the dining room as it is at the moment. I use recycled stuff where possible for ebay parcels, as well as transporting fragile items to and from sales unit. This is moneysaving and green, but sooo untidy atm! All packaging stashed neatly in the drawer :A Throws and cushions are however all over the spare bedroom :eek: Will venture up there in a minute and sort it out - may be some heading for the CS!
Investigate getting damaged car windscreen repaired I have a number to ring, got that far

Wishing everyone a good and productive day

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)
• Parcel2Go: compare postage prices (Link)
  
• Parkopedia: compare parking charges (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)
• Split Ticketing (Link) New-ish
  
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• Swagbucks (Link)
  
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• Tickety Split cheap train tickets (Link) Site closed
  
• 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 December Devotees,

Thanks for the starter DNM.


Morning!:coffee: Lovely day off. Not mentally well but must press on and try.


Debt-Free-Nillionaire Continuity Plan Year Four:

* Check online banking. Done.

* Check DW's online banking. Done.

* Check loyalty points. Done. Spent Superdrug loyalty points on shower gel.

* Step out of door into town with DW. Done.

* Clear out junk from letter rack. Done.

* Clear out junk from wallet. Done.

* Defrost burgers and muffins for lunch. Done.

* Stick post for previous tenant back in letterbox as "return to sender". She moved out over a year ago. I'm not going to endlessly forward on her mail to her via the landlady. Done.

* Sweep stairs rather than hoover. Been meaning to do this for a month. Done.

* Polish walking boots after last weeks hike to preserve them. Done.

* Find two lost socks. Done. Down the back of the radiator.

* Clean manky soap dish and handwash dispenser with I-can't-believe-it's-not-Steradent. Done.

* Re-order prescription using App. Done.

* Replace broken soap dispenser nozzle on re-usable handwash dispenser with one from a disposable one. Done.

If there is no struggle there is no progress.

allydowd

DawnW wrote: »

Investigate getting damaged car windscreen repaired

Dawn, many car insurance policies let you get a free repair without losing your no claims bonus.

carrielovesfanta

Morning everyone!

Thanks to DNMS for starting us off. I also have 3 more days in then off til after Christmas!

I'm still catching up with the thread, but needless to say, huge hugs to all!

I had a productive day on the knitting/crochet front yesterday despite being tired. I finished nan's scarf and finished the heel flap, turned the heel, picked up the stitches and started the gusset on my uncle's second sock. I'm in good stead now.

We also wrapped about half of the presents, and I got some of OH's wrapped while he went for the shopping.

Today's mission:

• B/L/D from stores - done
• Charge phone in work - done
• Gym at lunch time if programming appears - done
• Post cards to the neighbours - done
• Print step-nephew's Christmas vouchers at work - done
• No alcohol (have drunk more than enough last week and feel a bit cruddy for it) - done
• Put away stupidly large pile of washing - some of it
• Knit sock - done
• No heating as used disgusting amounts of gas/elec yesterday - done
• Debate whether to sell the shoes I bought on sat - they were an emergency purchase for the party on Sat night, and although ok, I think better shoes could be had. - done

Will had more if I think of it

clf x

carrielovesfanta

allydowd wrote: »

Dawn, many car insurance policies let you get a free repair without losing your no claims bonus.

We got ours done like this and it was very easy

katy_ann

Afternoon all, I can't believe its so nearly Christmas, where has the year gone! Anyway this is the first chance I've got to sit down and write this today. Took DS to a Christmas party at our local childrens centre this morning which he loved.
My list for today:
- Hoover living room and hallway
- All meals from home
- Change my bedding
- Clean bathroom
- Go to post office and post Ebay parcels
- Go to shop for milk and ham
- Wipe down kitchen sides

I think that's all for today, but Ill add to it later if need be! Hope everyone is ok! x

allydowd

Crazy forum won't let me add to my post and is insisting on black text; glitch in the MSE Matrix:


* Put away wee clothes mountain. Done.


* Triage fridge. Done. Asparagus and mange tout need to be eaten tonight. I'm going to make a chicken in honey and mustard cous cous thing.

* File away wee paperwork mountain. Done.

* Clean flat. Done.