What small DFW things will you do w/c 16th 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 me again Am with the wide awake club again! (5.46 today so not soooooo shabby!)

Plans for the day are:

* TOMM
* washing
* I have 2 paid repairs to do and I offered to make some reusable sanitary pads for someone on a sharing group on fb. Person in a difficult financial position so they are a freebie
* finish sash to dress - Carrie not forgiven!
* in the general yin and yang of karma I am going to pick up a free jumperoo from someone in my village - found on a different sharing page
* wrap a couple of presents
* go for a run - check weather.... Says it's going to be raining all day! Might do a youtube session instead...
* work out what's for tea...
* do the inland rev declaration - thanks trailingspouse!

I am gong to start drawing up some leaflets for my new SE venture I am beginning in the NY :eek:

Ok that's me. Have a great day!

Toni'sfriend

Morning - I'm up early too for a change.

Back from my holidays and lots to do.

Checked banking
Chicken stock bubbling away on the hob
To do:
Change and wash bedding
Iron the washing I did yesterday
Make tomato soup with the chicken stock and cheap tomatoes we bought at the weekend
Make a cottage pie for dinner tomorrow (use up some veg)
Post overseas Christmas cards
Buy stamps for home Christmas cards
Buy Christmas present for sister in law
Wrap remaining presents

Himself is off to do his Christmas shopping (ie buy me a present) and I'm going to hospital to visit sister in law so better get on.

Baileys_Babe

DNMS thank you for starting this week's thread :A

twiggy86

Morning all.

Hope you all had a good weekend.

Not the best MSE start to the week - made my sandwich for lunch and left it on the kitchen side!!!

Today I have/will:
* Check banks
* Do a money shuffle to account for spends
* Wash load on at 30 degree eco cycle
* Make lunch and take to work - FAIL
* Park for free and walk to work
* Update spreadsheet for weekend's spends
* Check OP/PA
* Buy remaining presents
* Go to CEX and see what I can get for my phone (although it's very beat up!) - use that and Christmas present money from parents to get a new one (i.e. secondhand)
* Buy cheap lunch
* Snap any receipts
* Hang washing on airer
* Give house a quick blitz
* Get out Christmas decs as my house is very un-festive!
* Dinner from stores

That's everything I can think of for now. Hope you all have a good day!

allydowd

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

• Benefits check-up (Link)
• Birthday Freebies (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)
  
• 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 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 December Devotees,

'Ello. Bit of bird-watching and a walk with DW today. Today's mission it to keep anxiety and panic at bay.


Debt-Free-Nillionaire Continuity Plan Year Five:

* Checked online banking.

* Continue my Challenge 500 miles challenge to travel 500 miles for free before the end of 2019: walking, hiking, climbing, cycling, running and swimming. I'm up to 488/500.

* Freezer randoms for breakfast.

* Take out piece of YS beef for lunch later.

* Withdraw 48p from TopCashBack.

* Last Decemberfest DW bought me a make-your-own-lipbalm kit. Need to actually do this before this Decemberfest comes around!

* Alarm clock off at the wall during day time.

* Donate magazines to charity this morning.


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

PurpleFairy26

Thanks for starting us determined

Ally hope you are ok and keeping the anxiety at bay, I’ll join you on that and am wanting to be all about the positives today.

My list:
Must write some cards
Check to see if a cheque has cleared if so move money to savings
Reconcile just for points credit card
Possibly do festive shop for all but about 3 vegetable items I’ll need to get next Monday. Have list
I’d like to wrap some presents....
Have a nap
Something out of freezer for tea
Chop and roast a bns which is looking worse for wear

Have a good day all. Purps.

carrielovesfanta

Afternoon folks

Thanks to DNMS for starting us off. I beg and grovel for forgiveness :rotfl:

Still feeling bleugh, although am noticing a tendency to perk up through the day.

Keeping it slow and steady. And keeping the faith

clf x

ditty1234

Morning and thanks Determined.
Hope everybody woke up to the same dark grey morning as I did. Am struggling to get motivated.
Hoping for a NSD but have to go and pick up uni son so now not quite sure.
Brought lunch and dinner is out of the freezer ... so there is still hope.

1LuckyLady

Thanks Dnms for this weeks thread.
:wave: to all

My productive week hasn't quite started to my plan but hey i've achieved anyway!
* gym session x 2 done and water bottle refilled
* called into aldeeee and stocked up on their 19p veg (potatoes, parsnips, swede, sprouts & cabbage)
* cooked two chickens at once and sent some home with my parents
* changed ds2s bedding, he's been pulling apart biros and has got red ink all over his new sheet :mad: I've washed it but its not come out, I'm deducting the money for the sheet and the pens (several pens found under his bed dismantled :mad: ) from his pocket money.
* used pollyfilla and filled some holes around the house after the latest move round of everything and touched up the paint where needed (and as my dad was here he found the "right" magnolia for the room dh works in when wfh and he touched up the wall where dh had thrown coffee all the way up it!)
* had a fridge tidy omelette for our brunch - great way to use up stuff!
* put chicken bones in the slow cooker ready to put on later for stock
* washed a load on the quick 30 degree wash and hung on the heated airer

Still need to
* check banking/update spreadsheet
* make families lunches for tomorrow
* make a leek and potato soup (probably tomorrow now)
* make a butternut squash soup (probably tomorrow now)
* run the dishwasher on the quick wash
* chicken dinner for tonights meal

Thats it for now as I've finished my coffee

Take care all.