What small DFW things will you do w/c 4th March?

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 lovelies Wow was busy here last week! I kept trying to post but what with life and just keeping up with what was going on in the thread I never actually had enough time to post!

BB glad oh is on the mend
Dawn hope the tests come back with something minor

everyone else seems busy and going full steam!

I've been busy sewing have had a few paid jobs :T and I made my sweater :j I love it, love the style. I will make one slight alteration and lengthen the bodice a smidge when I make it next. Obvs that will be a while due to embargo on buying fabric/supplies!

Today am off and madam has an after school club so that means I get a full 7 hr day I hope to:

* take pup for 2 x walks
* spend an hour flyladying - kitchen today....
* will see how the day pans out as may go to allotment if weather dries out
* do job search/complete application - purps I got an interview for the job I applied for but decided I didn't actually want the job so pulled out. I'm trying to be brave, and make a living from my passion. The application is to work in a fabric store. I'm meeting with someone this weekend to discuss setting up sewing lessons/courses
* meals from stores - will make ham, mushroom & pepper crepes for tea (am working tomorrow)
* make a batch of chilli, bean & chocolate soup for lunches this week....
* cut out pattern for a dress & make a storage box with some fabric scraps
* check onepoll? Maybe see how time is....
* pay remainder of cc

PurpleFairy26

Morning all :hello:

Oh, that sounds exciting determined hope you can make it work. That would be amazing. My dream would be to run a deli/coffee shop :A

My list for today:
Couple of loads of washing
Check banking, update sheet
Try and work out why my just for points cc isn't balanced
Possible trip to wholesaler after school if I've done all my work, need to check what time it closes
Aim for a run - this is becoming a bit of a frog
Deal with a big frog
Portion up veggie chilli
Think about tea
Look for surveys
Mop floor

Have a good day everyone. Purps.

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)
  
• 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) 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 March Money-Savers,

Thanks for the starter DNM. Good luck with your projects.


Morning!:coffee: W.e.e.k.e.n.d! I've been missing in action out in the real world again. Yesterday we used our RSPB membership to visit the local reserve. Today we're heading over to a nearby island for some photo-gra-faffing.



Debt-Free-Nillionaire Continuity Plan Year Four:

* Check online banking. Done.

* Check DW's online banking. Done.

* Continue my Challenge 500 miles challenge to travel 500 miles for free before the end of 2019: walking, hiking, climbing, cycling, running and swimming.



* Sort out my passport renewal online.

* Eat homemade 'Philadelphia' cheese. Bought 2 pints of YS milk and a carton of YS whipping cream. Cost of cheese made was £1.80. Cost to buy that much Philly in Morrisons is £4. Done.

* Walked to doctor for blood test. Done. Hmmm, now two of my blood numbers aren't right so that needs investigating. Usually I've just one wonky number.





“Everything will be okay in the end. If it's not okay, it's not the end.”

ziggy2407

Good Morning everyone

DNMS - Thanks for starting us off today, hope we get to see a pic of your makes - you are so inspiring in so many different ways

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's plans:

Check Bank & make PAD - Done
Orthodontist appointment with DS - Done
Strip beds, wash and remake - Done
Ironing - Done
Enter a few comps -
Purge a few emails -
Swagbucks - Done
All meals from cupboards/fridge/freezer -
Check: Lucky Bob, FPL, WinaDinner -
Read Library Book - Finished

Have a great day!

C x

determined_new_ms

ziggy2407 wrote: »

Good Morning everyone

DNMS - Thanks for starting us off today, hope we get to see a pic of your makes - you are so inspiring in so many different ways

What a lovely thing to say Ziggy! Thank you, that is more than kind. Same goes for you and each and everyone of us on this group though :A

Ok I will start posting pictures on the fb group. I need to start taking before and after pictures for my website as well. I always forget before I start and them and then when I finish I've already moved on to the next thing in my mind....

Deni_debt-free_dreamer

Morning everyone

I'm working at home today - studying for a qualification. Been doing it for a few years but stalled last year due to DD2 ill health. Trying to get on with it this year as want it out of the way and will get a small work bonus too... Already done a couple of hours work so having quick tea break.

Onto frugal plans.... one lot of washing on the line and 2nd lot in the machine.

will walk to co-op (Mr C?) at lunch as want to get bottle of wine for friend as late birthday gift.

Been looking in freezer as need to defrost it so trying to run down supplies - found quorn and homemade tomato sauce so plan to make veg spag bol for one meal. Looking in fridge and cupboards think I can make most (all?) meals for the week (M-F) from supplies - watch this space!

thanks to those who gave me the list of abbreviations most often used - what is a frog though?!

have a good day everyone

Deni x

carrielovesfanta

Morning all!

Hugs to all the poorlies and those with poorly loved ones.
Dawn and Ally - hope nothing too odd re tests
DNMS - good to hear you have exciting things going on!

Bit of a late one in work last night, didn't get out until 7.30 but good for overtime pay.

Another work day today:

• B/L/D from stores:
  • Peanut butter and hm damson jam on hm toast - nom
  • Oatcakes and lo hummous - nom
  • LO chilli on jacket spuds. Did spuds in the sc to save elec - nom
  • Quark, nuts and dried fruit - nom
  • Curry and rice
• Gym at lunchtime - nom
• No alcohol - done
• Charge phone in work - nom
• Try to be focussed and calm. Have felt very on edge the last couple of days - feeling brighter
• Hopefully not work late! - done
• Bit of crochet - nope
• NSD 2/4 - I don't normally track these as you often have to spend the money at some point, but maybe I'll give it a whirl. - done
• Ah excellent - veg box people got back to me re scrubbing brush and they are giving me a new one for free
• Run some meal plans etc for my niece.

Have a good one all

clf x

ditty1234

Morning all, looking forwards to what should be an on budget no surprises kind of week. Hoping to carpool on extra work day on Saturday. Brought pizzas and humous for lunch.
Today is a NSD, except for my planned 1.80 for hospital parking.
Have a grand week. Keep your money in your pocket, hands off the keyboard and cook your own porridge :-)

DawnW

Morning all
Thanks for the start DNMS - exciting stuff re your sewing ambitions. I am sure there is a call for it, there are loads of requests on local FB groups for people to do alterations on clothes, curtains and repairs etc. Trouble is people always want things done cheaply :mad: I believe that if you use someone's time and skills you should pay the going rate for it, so do take care to price your time properly!
Today's plans:
Housework - OH did downstairs (or at least put the hoover round) and I did the first floor
Went to babysit poorly (again) GS while his mum went to the dentist's
Popped into Mr S on the way back, to pick up something I forgot the other day. Remembered to take food bank donation with me, so popped that into the collection trolley while I was there. Also remembered to take paper recycling with me, so put that in the appropriate bin. We have a stupid little box thing for most of the recycling, and an enormous bin dedicated just to plastic bottles and cardboard. Who has that amount of these things? It only gets put out about 4 times a year :huh: The lids of the stupid boxes always blow away and get broken, and if you put paper in there it just blows all over the place. I take it to the supermarket instead!
OH waited in for the boiler man, who took ages to service the boiler, having arrived at 12.30 while I was out and was here long after I got back :eek: Turns out he and OH had been nattering for ages. Why do men always accuse women of yakking too much??

Load of washing out on line - hope it stays there (it is really windy), and dries a bit before it rains again!
Another load in the machine
Leftovers for (late) lunch
Come to think of it, it will be leftovers for dinner as well :rotfl:
Must walk to the post box and post a RM surveys item
And check banks and update spreadsheet
Hope everyone is having a good day