What small DFW things will you do this week 21/09/20?

1LuckyLady

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 😀

1LuckyLady

Good morning all, (I hope I've not crossed posts with anyone!)
Just skimmed through the end of last weeks thread as I hadn't had chance to check in.  Hope everyone is doing ok?
I spent much of last week doing work outside on our house and the rental.  We've painted the render, emptied gutters/cleaned paintwork, repainted some trelis,  repainted the wood around all the raised beds etc.  Lots done and I've been shattered but woke with something playing on my mind at 3.30am and couldn't get back to sleep unfortunately
Todays list (making the most of the nice weather before the forecasted change tomorrow )
Help my dad try replacing a part of the window at rental house (fingers crossed it works no problems as its kept me awake! Hoping to do this first thing when he arrives to stop me stressing!)
Give one of the raised beds another coat of paint as the wood hasn't covered as well as I'd have liked
Check banking/update spreadsheet
Paint wooden gate (it always swells in the Winter  )
Cook joint of pork for tonight - will do in convection micro as its much quicker
Rm survey to post and pack to prep
Make sure dh books his flu jab (letter came two weeks ago!)
Make boys lunches for tomorrow at the same time as I make mine and dh's lunch today
Order more render paint whilst on offer and pick up some fence paint at the same time.. If I do.. I'll go through tvb


That's enough to be going on with,  the day all depends on how the window goes! 
Take care all. 

DawnW

Morning all

Thanks for starting us off 1LL

Up early, been for a decent dog walk and had breakfast, one more coffee and I must get on. OH is playing golf this morning, so I can wash the kitchen floor without him suddenly appearing from the workshop and walking across it. Must get it done before he gets back! Other plans:

Label and put away the chutney I made yesterday, and put the recipe, which I copied out, in my folder, as I will definitely be making it again!

Pack an ebay item ready for posting

Update shopping order

Check what needs harvesting in the garden

Some watering will be needed, as it is very dry here. Shouldn't moan, it will be wet and cold soon enough.

Minimal cooking, I made enough enchilladas (thanks DNMS) for today as well

That is all for now, might add to this list as the day progresses

determined_new_ms

Morning 1LL & Dawn Thanks for this week's thread 1LL and also the heads up about the weather. Checked the forecast and it has changed my plans for today and tomorrow!

Today:
* sand kitchen - this will be the last time it's on my list!
* go to the allotment for an hour & dig. Will ride my bike there
* hem 2 skirt's and shorten on winter coat
* TOMM
* dinner will be ratatouille and rice - might throw in a chicken breast for oh
* carry on knitting sock
* need to do some admin tasks
* update my journal with goals for this week
* find said journal...
* stew free pears & freeze in portion sizes

that's all    

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 September Savers,

Will I get my repaired car back today?

Debt-Free-Nillionaire Continuity Plan Year Six:

Checked online banking.

Alarm clock off at the wall during day time.

Turn off Wifi box when not using it.

Do some online voluntary work.

Clear my letter rack.

Use the free outdoor gym on the nearby Promenade if I can motivate myself.

Sort out walk-in cupboard after Summer anarchy.

AdsWhoAdds

Hey all. First time posting on DFW but i'm very motivated!
Plan for today so far:

• Advertise an item of clothing online
• Start to think about ad-hoc expenditure in October which i need to build in to my budget, Car MOT/Service for one!
• Meal plan and do a full food shop for under £30
• Start day 1 of gratitude journal, I want to start being grateful for what I do have instead of resenting what I can't have, because paying off my debt is more important...

Catch up soon

alt80

Some mindset to stop spending, some financial:

1. Yolt everyday
2. Make most of long weekend but not spend more than £100
3. Activity with son everyday 
4. October budget
5. 3x workouts, 3x 5km 
6. Plan weekend in advance
7. Switch off work number/ email apart from twice  a day to check when off

determined_new_ms

alt80 said:

2. Make most of long weekend but not spend more than £100

why not really challenge yourself to £30? £100 is more than our family monthly leisure activities and it's not too shabby. That could be an extra £70 towards debt

ditty1234

1LL thanks for getting us started. Just hoping for 3-4 NSD days this week, as am now scratching at EF to pay a bill. The sin of buying books for teaching last week. Looking forwards to them showing up though. And fingers crossed for cover work tomorrow, as could do with a bit extra before anymore lock down!

ziggy2407

Good Afternoon everyone

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.

Thanks for starting us off today @1LuckyLady

Looks like its going to be a beautiful day today, still fighting off this cold but starting to feel better just bunged up and very husky.  So far

Checked Bank & made PAD 
Washing & Line Dry - On line now
DS to Orthodontist (been a long 6 months) and then dropped him at college
Collect item Ive been coveting for a while (money from items sold)
RM Surveys 
Baked Banana Cake for mum

Still to do:
Put away Mr A delivery (when it arrives)
Craft 
Swagbucks 
Purge a few emails 
Enter a few comps 
All meals from cupboards/fridge/freezer 
Check: Lucky Bob, PMP, WinaDinner 
Listen to more BBC Sounds - currently enjoying "Rebecca"

Have a good day everyone.