What small DFW things will you do this week - w/c 9th April?

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determined_new_ms
determined_new_ms Posts: 7,825 Forumite
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in Debt-free wannabe
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:
DF as at 30/12/16
Womblng 2020:
NSD Jan 2/18 YTD: 2
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  • determined_new_ms
    determined_new_ms Posts: 7,825 Forumite
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    edited 9 April 2018 at 12:55PM
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    Morning :) been up an hour and couldn't wait any longer for a new thread :D

    Am off now until Saturday :j Planning to make the most of the week with madam :A today we are going roller skating - and will use discount card (we get for being kinship carers) and carers go free :T so total cost for today will be £4 plus an icecream :money: should be a laugh as usually it's 2 of us going with her!

    Will take lunch, drinks and snacks with us ;)

    opps decided to postpone this until tomorrow when the weather is better! Instead having a home day. Going to bake a cake and do a jigsaw puzzle in a bit ;) hoping to get madam out on her balance bike but she's lazy!

    house is a bomb so going to need to spend some time tidying! Will do that first thing, once the house is awake.

    check banking & update spending diary

    will be having freshly picked purple sprouting broccoli with dinner (ys joint of beef ;) ) - I nipped to the allotment on my way home from work yesterday :D

    [STRIKE]oh will be taking los for lunch[/STRIKE] :money:

    [STRIKE]hang up washing [/STRIKE]- on dryer weather's not too dry-y today! another load in machine ready to be washed. Currently pre soaking a top with a stain in WUL :money:

    sow seeds - that is it this is happening today! Am really behind...

    free exercise & singing exercises

    [STRIKE]wasting time on refashion p0rn [/STRIKE]spending time looking at blogs about refashioning....

    have taken up a tshirt. I love the pattern but it sits too long on my titchy frame. Have used a top I like the length as a template and pinned ready to sew :D Also dug a jumper I was sending to the CS out of the bag as am going to make it into a cardi :money:

    madam had pancakes for lunch :money: I made a salad as I saw there was some tuna in the fridge that needed using ;) boiled 3 eggs & put 2 in the fridge for tomorrow/weds

    onepoll - it's so slow for me these days :( maybe 1 10p poll a day
    DF as at 30/12/16
    Womblng 2020:
    NSD Jan 2/18 YTD: 2
  • PurpleFairy26
    PurpleFairy26 Posts: 3,903 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Morning all :hello:

    Today's plan:
    Working from home, although I have an electrician here so not sure how much I will actually get done. May go to the gym if it's too noisy ;)
    Something out of freezer for tea
    Check banking
    Check surveys
    Check nothing in fridge needs going in freezer
    Bake sourdough
    Buy some uht milk so I can make yogurt
    Opticians appointment, no charge as I have a plan thing with them
    Order dd new school cardigan
    Watch something on tv with DH tonight
    Do packed lunches for tomorrow
  • mumofthetwins
    mumofthetwins Posts: 1,111 Forumite
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    Morning guys .. it seems like you've all been busy this rather chilly Monday morning :)


    i started this morning by cashing out my ebay sales from the weekend and that along with the £5 scratch card i found in an old bag has taken my bedt busting of cc into the 5000s .. yay !!
    I am sooo chuffed i have managed to pay off £905.53 from my LBM easter weekend :):)


    so back onto todays plans


    * Only at job#1 today but out all day so i have warned the boys in advance not to eat all the food in the fridge and grab a sarnie and yogurt for lunch .. not expecting them up early enough for brekkie lol
    * I plan to cash my scratch card in on the way home from work
    * Meals all planned for the week and dinner taken from the freezer for tonight
    * I need to update savings / banking diaries
    * I have a docs apt after work but going to get off the train the stop earlier (where docs is) the walk home .. good for saving my £s and losing some lbs ;)
    * I may list a few more ebay bits if i get time .. big if as i have a few chores to do tonight but fingers crossed.


    So i hope everyone has a marvellous Monday and a very prosperous week ahead :)


    Lisa x
    DFW
    January £0/£11,100

    NSD
    January 1/31
  • carrielovesfanta
    carrielovesfanta Posts: 2,978 Forumite
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    edited 9 April 2018 at 2:46PM
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    Morning folks!

    Thanks to DNMS for starting us off
    Excellent debt busting there mumofthetwins!

    The freelancer is gone, the sun is shining through the mist, and I kept off the sugar all day!

    Finances looking very ropey - grocery budget does not look good considering we are only 1 week in and I've spent almost all of it! We seemed to run out of loads of things at once and I had to get all the cake ingredients and a Bulk Powders order. I really need to try and stretch what we have left. There's lots of veg and carbs, just need meat probably.

    Today's mission:

    • B/L/D from stores
    • Snacks as planned
    • No sugar
    • No booze
    • Remind OH to send invoices
    • Charge phone in work
    • Gym at lunch time - have been feeling weird about the gym recently and I think I've been putting too much pressure on myself to "perform". sometimes the win is just getting moving, and I need to relax and try and enjoy it. - done. Not a bad session.
    • Nip into the garden later and check things. I actually ate my tea out there yesterday evening!
    • Sew in crochet ends - I didn't do this yesterday
    • Free stretching video
    • Email organisers about a car boot sale spot on Sat - done. awaiting a reply....
    • Relax and be fabulous
    Have a good one all

    clf x
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31
    Student loan repaid: 01/07/2019
    SAVINGS: £20,000
    Car final lump sum: £6113/£6113
  • allydowd
    allydowd Posts: 4,911 Forumite
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    edited 9 April 2018 at 6:49PM
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    Hi April Awesomees,

    Another lovely day off.


    Debt-Free-Nillionaire Continuity Plan Year Three:

    * Work very hard on my own mental health issues. Do Holistrio App. Yup

    * Check online banking and broadband usage.     Yup

    * Turned off alarm clock until tonight, it resets itself automatically.    Yup

    * Still seeking out a cheap corded speaker to use with secondhand portable DAB radio I purchased.    Yup

    * Shopped with DW. Spent £5 Morrisons More card reward.    Yup

    * Haven't showered yet as we're going to the pool/sauna/steam and I can do it there. DW used discount card saving us £1.70.    Yup

    * Homemade burger for lunch with homemade spicy ketchup.    Yup

    * We have bought a cheap 3-in-1 toastie/waffle maker/grill. Hoping to use this to spice up our life a bit. Tired of eating the same stuff week-in-week-out. Also, we can take it with us when we go to B&Bs and suchlike and use it to cook snacks.    Yup, made lunch with it.

    * Second attempt at making waffles. Success!

         To live without risk is to risk not living.
    Debt-free day: 8th May 2015 The Joy Account: £10 "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
  • allydowd
    allydowd Posts: 4,911 Forumite
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    MONEY MAKING AND SAVING SITES AS OFTEN MENTIONED IN THIS FORUM:
    • Benefits check-up (Link)
    • Coupon Shop Forum list of money-off coupons (Link)
    • Cooking On A Bootstrap, cheap recipes. (Link)
    • eBid (Link)
    • Freecycle (Link)
    • Freegle (Link)
    • Free Postcode Lottery( 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)
    • LuckyPhone free lottery with loyalty rewards (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)
    • Number Plate Lotto (Link)
    • OnePoll (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.
    Debt-free day: 8th May 2015 The Joy Account: £10 "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
  • determined_new_ms
    determined_new_ms Posts: 7,825 Forumite
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    spudsmum I read your diary the other day and wanted to say to you you can freeze baked beans - no more 1/2 eaten and festering tins in the fridge! Also I always use beans in chilli just wash off the sauce first ;)
    DF as at 30/12/16
    Womblng 2020:
    NSD Jan 2/18 YTD: 2
  • foxgloves
    foxgloves Posts: 11,112 Forumite
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    Hello Monday Moneypennies,
    Useful day so far:
    *Paid another 50p into my sealed pot.
    *My Yougov payment of £50 arrived so have paid it to our LPDF.
    *Did a very few surveys.....DNMS I agree that Onepoll is really slow atm.
    *Did laundry overnight on cheap tariff. All pegged outside. Washer reloaded for same again tonight.
    *W/meal loaf made....on its 2nd proving.
    *Make tomorrow's packed lunch.
    *Updated budgets & moved some funds around.
    *Wrapped a small ebay sale & re-listed a few items.
    *Pulled forced spring rhubarb. Stewed it & will divvy up into snack pots for the freezer.
    *Write letter - gifted note card & a bit of free exercise walking to the postbox.
    *Changed bed linen - that too will wait for a half price overnight wash.
    *Check on greenhouse seedlings.
    *Think about some different calorie-controlled lunch options which are also budget-friendly.
    *Nobble mr f about possible dates for legal appointment. Although I have procured all the necessary docs (for a lot lower outlay than anticipated), we still haven't made a solicitor's appt & sorted out what needs doing. It has become the 'frog' on my job list because I know it will be expensive. Tomorrow, I promise to 'eat the frog'.
    Ok, must crack on.
    F x
    "For each of our actions there are only consequences" (James Lovelock)"For in the true nature of things......every green tree is far more glorious than if it were made of gold & silver" (Martin Luther King Jnr)
  • allydowd
    allydowd Posts: 4,911 Forumite
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    edited 9 April 2018 at 2:49PM
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    News:

    Check if your Oyster card owes you money for delays and registering it to guard against lost credit. (Link)

    PlusNet are increasing broadband costs. (Link)
    Debt-free day: 8th May 2015 The Joy Account: £10 "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
  • carrielovesfanta
    carrielovesfanta Posts: 2,978 Forumite
    First Anniversary Name Dropper First Post Photogenic
    edited 9 April 2018 at 3:09PM
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    allydowd wrote: »

    *Tired of eating the same stuff week-in-week-out.


    A couple of things you could do to try and spice up your food life that I've either tried or seen.


    *Go through all your cook books and pick 7 new recipes for the next week


    *Go onto the supercook website, put in the ingredients you have at home and it will suggest recipes for you


    *Pick a cook book and cook your way through every recipe in the book


    *Use a website like EatingWell and download one of their 7 day meal plans and follow it


    *Write a list of everything you can cook and like and rediscover old favourites


    *Have a "pot luck" yellow sticker day - you have to cook what you buy

    HTH
    LBM 11/06/2010: DFD 30/04/2013
    Total repaid: £10,490.31
    Student loan repaid: 01/07/2019
    SAVINGS: £20,000
    Car final lump sum: £6113/£6113
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