What small DFW things will you do w/c 5th November?

allydowd · 5 November 2018 at 1:05AM

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:

allydowd · 5 November 2018 at 1:06AM

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)
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)
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)
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.

determined_new_ms · 5 November 2018 at 8:10AM

Opps am late! So just a quickie from me before I jump in the shower!

* checked banks
* all meals from stores
* grab B/L to take to work
* dinner is pulled pork cooked yesterday

* read books at work
* submit expenses
* check onepoll

DawnW · 5 November 2018 at 8:45AM

Morning all

Thanks for starting the thread right at the beginning of today Ally :rotfl:

Up early (though not as early as Ally) and so far I have done the following:
Load of washing in machine
Updated freezer and larder inventories (not as organised as it sounds, as I am sure I forget some things!)
Got rhubarb out of freezer to cook for breakfast fruit, pesto out for dinner and the rest of a bag of coffee to top up the coffee jar

Breakfast was porridge, half a pear from the fridge and some yogurt
Ordered meat special offers from butcher
Added some items to my shopping list (exciting items like loo paper :rotfl:). I don't think I need to go shopping today though - will continue to work on list

Admired my mini quince tree with its golden autumn foliage, which I can see from where I am sitting :heartsmil Who says you can't have autumn colours if you only have a little garden?

Still to do:
Check banks and update spreadsheet Done
Work this morning - I usually restock my sales unit on Monday mornings. It is all loaded in the car and ready to go

Done
Washng to go out on line when done, and another load put in Done, first load is finishing off on the airer now

Sort fridge out Still to do
Clean kitchen floor Done :A
Do a bit in the garden later Not done
Chicken pesto pasta for dinner - not sure if that is really a thing or if I have imagined it, but that is what we are having :rotfl:Done, it was nice, I would make it again

Did some surveys
RM surveys tasks
Put returned sales stock away, and did a fair amount of general tidying up (always plenty of that to do here :eek:)
Not a NSD as OH went to the chiropractor today, and had to pay for that.

Happy Monday everyone

natlie · 5 November 2018 at 8:47AM

Hi
Haven't posted for a couple of weeks been super busy

Thanks Ally
Really watching the pennies this month its going to be tight
2 buffets tomorrow and Wednesday for the self catering business, most ingredients purchased
need to put in work expenses today!
Need to review my budget as seem to be struggling more that when I set it up
Have sold 2 things on eBay - need to post
Have listed a couple of items on our intranet at work
Got loads of food in for the week so don't need to buy anything
need to bake some treats maybe welsh cakes and flapjacks

Got a big headache - so going to take some paracetamol before work

have a good day all
Nat

ziggy2407 · 5 November 2018 at 9:46AM

Good Morning All

Ally - Thanks for starting us off today

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 we will

Checked Bank & made PAD - Done
Meat in SC - Done
Strip beds, wash and remake -
Ironing -
Clean at mums -
Revision with DS -
Enter a few comps -
Purge a few emails -
All meals from cupboards/fridge/freezer -
Checked: Tombola Stars, Lucky Bob, FPL, WinaDinner -
Read library book -

Have a great day!

C x

carrielovesfanta · 5 November 2018 at 9:51AM

Morning folks!

Thanks to Ally for starting us off

Have ventured down the slippery slope today of "arguing with someone on Facebook". I can mostly ignore the idiotic comments of the general populace, but when presented with a vegetarian/vegan telling me that we are grass eaters like sheep, I cannot hold back my sword-hand's anger.

I have no issue with being veggie or vegan, but we def should not be eating grass. It's a sure-fire way to remove all the enamel off your teeth.

Anyway - must stop looking at Facebook for an argument.

Today's mission:

B/L/D from stores
Charge phone in work - done
Gym at lunchtime - done. Despite my vertigo kicking off just before I went!
Heating off - it's pretty mild
OH to pick up new second-hand breadmaker. Ours has died. Only £35 from FB market and the lady has barely used it. - done
Poss cast on sock if can be bothered
Turns out that my health insurance are now doing free Amazon prime if you get enough points per month. Mentioned this to a colleague and they are going to give me their fitbit for free
No alcohol
No sugary stuff

Not much today

Have a good one all

clf x

merida88 · 5 November 2018 at 10:26AM

Hi all :hello:

Been AWOL lately, but trying to get back into routine! Will catch up on everyone's adventures later on

Today I will:
- bike to/from work done!
- all meals and snacks from stores
- take meter readings
- complete final online study module

Hope everyone has a good day

1LuckyLady · 5 November 2018 at 10:34AM

Morning all,

Thanks Ally for this weeks thread.
Nat, I hope you are feeling better.
:wave: to all

I've ditched the gym this morning as my gym buddy wasn't able to go and my anxiety had kicked in, its really daft, everyone there is lovely but I'm a very big girl and the thought of having to maybe pair up with anyone else in the class filled me with dread.

:(

So anyway I'm home for longer so better get on and be productive.
Todays list
* wash ds2s bedding and hang on the line (can someone switch a bit of a breeze on for me please??!)

* make a new recipe butternut squash soup in the slow cooker using the stock I made yesterday

* leftovers for tea tonight
* make families lunches for tomorrow
* wash another load on the quick 30 degree wash

* run the dishwasher on the quick wash

* hoover just where needs doing
* check banking/update spreadsheet & record mileage

* remind dh to print off the gift voucher given to him for his birthday by his employer as he's had it a couple of weeks now and not done it

* flylady
* iron a couple of bits that have been washed over the last few days
* sort through the front room as ds2 has lost his guitar pick and I'd rather not have to pay for more!

Thats my starter, hopefully I'll be back to add more as the day goes on.

Have a good week all

carrielovesfanta · 5 November 2018 at 10:37AM

1LuckyLady wrote: »

I've ditched the gym this morning as my gym buddy wasn't able to go and my anxiety had kicked in, its really daft, everyone there is lovely but I'm a very big girl and the thought of having to maybe pair up with anyone else in the class filled me with dread. :(

Sorry you're feeling anxious xx Maybe try home workout today if you have room? Fitness Blender have lots on youtube that are good

allydowd · 5 November 2018 at 12:26PM

carrielovesfanta wrote: »

Have ventured down the slippery slope today of "arguing with someone on Facebook". I can mostly ignore the idiotic comments of the general populace, but when presented with a vegetarian/vegan telling me that we are grass eaters like sheep, I cannot hold back my sword-hand's anger.

I have no issue with being veggie or vegan, but we def should not be eating grass. It's a sure-fire way to remove all the enamel off your teeth.

I'm inclined to agree. There's no toxins in grass...but, as you say, the silica would grind down the teeth. More than that though, we've only the one stomach.

What small DFW things will you do w/c 5th November?

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