Thursday 22/05/08 What small dfw things will you do today???

andan

Totally understand you. I am not in debt, i have credit cards, but stooze the money so can afford to pay them off. I used to think though that because i wasn't in debt i didn't really have to think about my money and was living comfortably, but since finding this site i've realised that just because i don't have debt, doesn't mean i shouldn't think about taking care of my money and reviewing it regularly and making it work better for me.

Since moving down South, the only way i manage to get by is by making sure my money is working properly, otherwise i am sure i would be in debt, hence why i am always on this site, to prevent myself getting in debt.

SmellyOldSock

Hello all

today i will/have

-washed 2 loads at 30
-line dry the above
-check online banking
-piggy clicks
-lunch from store
-dinner from store
-sorted out moving my telephone/broadband to new house
-sorted out sky to new house
-pack some more blinking boxes (I dream about boxes)

have a good day
Charlotte

falady

Hi everyone,

Today I am happy!

I have tomorrow off work and am going to slope off early today with a lovely long weekend to look forward to :-)

Today i have / will:

- been a bit extravagant and bought lunch, back to packed lunches next week
- saved money by not buying a retirement card, but took a present from my present drawer and wrapping paper from the wrapping paper drawer for a colleague who retires tomorrow
- do the washing on 30 degrees later (i think i may have been washing the clothes in cold water for the last year since we had the new washing machine, but they have been clean, so hey!)
- check my online banking
- ebay items have a few more watchers, so will hopefully get some bids....
- stay in tonight
- tea from fridge / cupboard

Have a good day!

Ali x

OliveOyl_2

Afternoon All :hello:

Yesterday I joined MyLotto24 for the £15 Cashback on Quidco - it's tracked already :T I had to deposit £5 which I bunged on different Lotto games, and this morning I have an e-mail saying I've won £60 :T
(But there's a problem with my login, so I haven't yet removed it :rolleyes: )

But for today I have/will:

• Done my Piggy click
• Tried to do a couple of surveys, but was weeded out.
• Reached the end of a dispute with NPower, not really MS, but I've paid them so I'm not going to be sued and it has been dragging on since Feb
• washing at 30, out on the line to dry.
• found another MS for Saturday, in the same town as one I'm already doing, and there's a LIDL and an Asda there

Have a good one.

Cleosmum

Wahey! Went to PB and found I now have enough points for a voucher, but which one?!?! Argh cant decide! Not food, maybe Boots? Im not really indecisive

Eternal_Optimist

:hello: Hi Everyone, Hope You've All Had A Good Thursday:hello:

:j Well done Andan on new work possibilities:T

Just the usual stuff again today really:rolleyes:

Checked online banking, Tax Credits in but I've got a lot coming out over next week so sometimes I feel I'm not making much progress re. reducing debt. However, I have paid catalogue bill off today so that's a bit encouraging:T and I know I won't use the catalogue again till my overall debt is much reduced...cash or nothing is my mantra now:A

NSD:A

Free lunch at school and evening meal will be from storecupboard:A

Have used immerser but not put heating on:T

Will check over my Friday lists to check what shopping I need to get tomorrow and what bills and general banking I need to deal with:rolleyes:

:T

klane

Oo sounds like everyone is having a good DFW day, apart from a couple of you feeling ill. Get well soon!

I'm a bit perkier... at least I've made enough this month to cover those costs
though it's disappointing not to put it towards any debt... at least it's not making my debt worse.

I did 2 MS jobs at lunchtime and will do another two tonight. I had a bit of luck last night and having put my jobs into a spreadsheet, had a go round the sites and gained about 4 or 5 jobs. Will fill the reports in next!

- Will do piggy click in a min.

- Have some eBay stuff ending tonight - great surprise result on one thing... I listed a DVD I just had kicking around on the shelf, and it's apparently quite collectable (on Amazon for 40 quid up into 100 - I had no idea until I looked it up as I was so surprised it was going so well)... mine's at 33 already and doesn't end for a few more hours. Wish I had a few more now!! I just listed it for £2 haha - wasn't even sure it'd sell for that!
- Betfair validated on quidco today finally, since March. So that's £50 to hopefully come eventually too.
- Going to redo my SOA as well, as we've cut down on some things. I also want to do one that's based on me, as opposed to on us, for a clearer self image too. And have another look at my credit file too. I wasn't on the electoral register last time I had the score checked as we just moved and it hadn't updated in time. So I am trying to wait long enough before I look so hopefully it will have and I can see if I have gone up at all. I've got no late payments or missed payments on my file, and am listed as "fair" (no CCJs either, and only default ever was on a small amount when I was a student 10 years ago, so that's not on there either... and it was eventually paid off in full too). Not sure what else I can do to make it better.
- I opened a proper savings account recently (as in one that actually pays decent interest) with the plan of instead of using my rubbish natwest savings account (practically no interest), I'd put money across there instead. So I've got £500 in there now, and as I lose a month's interest if I make any withdrawal on it that month, I'm disclined to take anything back out - and make sure I can put it across before I deposit. Which is good. I have some in my NW account still, but once we finish sorting out the funding needed for our house stuff, I'm going to put the remainder across as well, which will hopefully be in the region of £1000 which I've saved up over previous months. This will give me one account I can monitor online and look at as my loan offset fund... gradually I will build up enough in there to hopefully pay it off early. I will still keep the NW one for moving any money out of my main account in an effort to not spend it too. It sounds complicated, but I think it'll work for me. Meanwhile my loan fund can sit in my sig so I can watch it increase as my loan figure decreases!

Yargo1

Hi, been off the moneysaving bandwagon.... so now back raring to go... agreed to work a 3 hour shift later...was going to have the night off but as a colleague is poorly...And I DO need the money a lot more than a night sitting infront of the tv !!! thanks OliveOyl for the lotto tip. brill. Just hope you can get your winnings and that maybe ill be in for a win too !

jenjade

:mad: _pale_ _pale_ hi everyone. i have been on here 2 hours looking for something to motervate me,.. today is not good forgot lunch so bought it from tesco £3.70!! bought eggs from a farm £1.20 dozen went to shop on way home and got chesse £3.99 and paper 60p then got dd from school ended up in tesco 2 things left on list to get and bough 5 bags of shopping !! £24.00 and the £4 off voucher i was going to use didn;t work:mad: _pale_ aaaaaaaaaahhhhhhhhhh

i need to do something about today!! i need to meal plan so the food doesn't get wasted and make some money so i feel better
is there free bingo tonight? someone got detail what site etc
also is is cheaper to have the immersion heater on for water on the heating? there is 2 of us i shower in the morning she baths at night?
i have done daily clicks and been to work!
sorry for moaning i am usually happy

jak

Today I will have:
checked online banking- all fine!
doing an extra shift at work which I must get dressed for noW! Doing another extra shift at work on Sat- 39.25 hours this week instead of 20! Hooray!
Eaten at tea and breakfast and my 5 a day at work! Will eat some food in a mo..i'm hungry!
Checked dh online banking and made sure there is enough money for checks to clear-there is.
I will ask my boss for the £140 he owes me!!! Woo hoo, boss paid up and that'll go into our holiday spends and to the bank to cover cheques paid out.
Ummmm will go online all night in an attempt to stay awake while night portering- yawn. I'm tired to day! 1 more week and 2 days till mat leave starts!!!!!
NSD today!
Wooo Hooo!
Have a good day folks and i'll update later!
I got £5.40 in tips too! I think people feel sorry for the pregnant girl, hehehe! I will spend it on something useful- like conditioner!