What small DFW things will you do w/c 20th May?
determined_new_ms
Posts: 7,825 Forumite
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:
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
Womblng 2020:
NSD Jan 2/18 YTD: 2
0
Comments
-
Morning but more like :eek: in our house as we have a leak in our bathroom that has been leaking steadily from lunchtime yesterday *cry* waiting for a plumber to come at 10.30....
Other than that!
* try to clean up a house without water!
* make bread
* use water butt water for flushing loo as we have had to turn water off
* update CV and apply for a job or two
* freeze some brownies made yesterday
* finish alteration for a customer
* pack away madam's toys - remind oh to bring home boxes
* put away mountain of washing
I might go to the allotment and I might also list some things on fleabay. But I might not!
Hope you all have a good day and I hope my plumbing emergency isn't too expensiveDF as at 30/12/16
Womblng 2020:
NSD Jan 2/18 YTD: 20 -
Good Morning everyone
DNMS - Thanks for starting us off this week, hop that the plumber resolves your problem swiftly.
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.
The suns shining and today we will:
Check Bank & made PAD - Done
Washing & Line Dry -
Shopping with list -
Upload receipts to COS & Shoppix -
Strip beds and remake -
Swagbucks -
Enter a few comps -
Purge a few emails -
All meals from cupboards/fridge/freezer -
Check: Lucky Bob, PMP, WinaDinner -
Read Book
Have a great day!
C xGoodreads 2024 Challenge: 30/80
Goodreads 2023 Challenge: 77/520 -
Oh no DNMS, hope you can get it fixed without too much of a shock to the finances. Thank you for finding the time to start a new thread.
Going to be good this week as I have got car service/MOT on Friday.
Left the car at home, bus/walk to work, plan to walk back (depending on the ‘thundery showers’ that may be on the cards later.
No breakfast. Drinks from tea & coffee fund at work. Cheap lunch of two apples and one banana.
Hopefully have time to gym/shower/change using work facilities later.0 -
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 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)
- 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.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 Llama0 -
Hi May Money-Marvelousos,
A precious day off....:j
Just a wee list.
Debt-Free-Nillionaire Continuity Plan Year Five:
* Check 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 201/500. Will cycle. Done.
* Defrost batch cooked soup. Done.
* Clear out In Tray.
* Clear out wallet.
* Clear emails.
* Make cheese.
* Look at packing for hols.
“Everything will be okay in the end. If it's not okay, it's not the end.”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 Llama0 -
Hey folks
Thanks to DNMS for starting us off - sorry to hear of the leak! Hope it is resolved.
Today will be a test of strength and patience... I won't go into it here but I'm feeling hopeful.
Small things:
:heartpuls B/L/D from stores
:heartpuls Track food in free app - done
:heartpuls Put some washing away.
:heartpuls Gym at lunchtime - nope, too many meetings
:heartpuls Charge phone in work - done
:heartpuls Check garden
:heartpuls Turned down tickets for a gig that I would like to see as OH doesn't fancy it and i would struggle to get home. - managed to persude OH as tickets are free
:heartpuls No alcohol
Have a good one all
clf xLBM 11/06/2010: DFD 30/04/2013Total repaid: £10,490.31Student loan repaid: 01/07/2019SAVINGS: £20,000Car final lump sum: £6113/£61130 -
Morning all (just) :hello:
Just having a coffee break and catch up on here as didn't get time this morning. Thanks for starting us off determined hope the leak is quick and cheap.
Something big going on here today. Hold on to your pants time :eek:
Other things,
Check banking
Ys lamb for tea :A
Looking after pals LO tonight as a favour
Vacuum through - actually small did it today :T
Washing and drying and putting away to keep on top of things
Lots of windows open for free fresh air
Have a lovely day everyone. Purps.0 -
PurpleFairy26 wrote: »Something big going on here today. Hold on to your pants time :eek:
Good big or bad big? Fingers crossed for you either way!LBM 11/06/2010: DFD 30/04/2013Total repaid: £10,490.31Student loan repaid: 01/07/2019SAVINGS: £20,000Car final lump sum: £6113/£61130 -
Afternoon all, Thanks for the starter DNMS & I hope the leak is fixed easily & cheaply!
Clf, hope your day goes ok
PF hope its GOOD BIG!
Ziggy, well done on your steps challenge last week!
:wave: to all
Todays list
* ys bread as usual with eggs for breakfasts
* ds2 to free school breakfast club
* refilled water bottle 3 times at the gym as it was a particularly tough class this morning!
* washed 2 loads on the quick wash and hung them both on the line
* ran the dishwasher on the quick wash too
Stilll need to
* empty dishwasher
* check banking/update spreadsheet and email it back to myself
* make families lunches for tomorrow
* put yesterdays dry washing away
* iron a few shirts that I didn't do last week
* make a chicken pie filling, this didn't happen last week, we ate that chicken but now I have left over chicken from yesterday so will use up last weeks mushrooms today! used up the mushrooms, some onion, peppers which were diced in the freezer made a cheese sauce now and will make it into a pasta dish instead with the last of the weekends salad
* wipe out the fridge with stardrops
* water pots in the garden this evening
* triage fridge
* write up a new freezer list as we had a pick and mix day yesterday using up lots of little pots of things!
* empty bins (not mse but if its here I'll remember to do it!)
* record car mileage
:heart: wrote out a shopping list and checked the cupboards ala Foxgloves and was able to knock a couple of things off the list
checked receipts, filed clubcard vouchers and updated ds2s pocket money chart in my bullet journal as he bought some earphones at the weekend
Thats my starter, take care all.Sticking with the "Small things" thread to keep up us on the straight and narrow.
0 -
Purps - Am holding onto my pants so tight, it's hard to type! Good luck whatever it is!
DNMS - Bah to leaks. I live in the House of Leaks, so you have my sympathies.
Well, I really want to have a productive week this week, & one in which I stick to my healthy eating plan & daily step target like very sticky glue. Am off to a good start, anyway:
*Put a colour on my skankrous roots - saved half of everything last time & mixed it up in spare bottle, so as to get 2 applications from one box of dye.
*Did rubber ham hock.
*Made bread (it's in the oven right now)
*BBQ sauce bubbling away in the slow cooker.
*Two home made garlic flat breads out of the freezer to use as cheat's pizza base tonight.
*Overnight laundry done on cheap tariff, plus 2 short daytime loads - 30 mins at 30 degrees & a wool wash on a hand crocheted blanket. All drying outside on the whirlygig for free. Have re-set washer for another early hours wash on the Economy tariff overnight, then just one pet blanket & that will be all this week's laundry done.
*Watered greenhouse veggies.
*Stepped up hardening off process for tomato plants.
*Plant out another 2 trays of baby lettuce plants (that's this afternoon's job if it stays dry.
*Did a Prolific survey.....got almost right through another one when there was an internet connection problem. Submitted it anyway & flagged up that there was a problem just before the end.
*Did a rather belated mid-month budget check-in. May has been tight, despite via-ing funds from elsewhere. It's fine for Week 5's grocery shopping to come out of our bank account on Friday, but apart from that, I've embargoed use of our visa debit cards until New Budget, which is not long away now.
*Make tomorrow's packed lunch.
*All loose change rounded up & paid into our shrapnel jar.
*Finish cardi sleeves & start joining it together & knitting button bands (yarn from stash)
*Read library book & continue with audio book
*Update my DFW diary.
*Tap off more free liquid plant food from worm composter & use to feed fruit trees.
That's my list....although I will doubtless get more gardening jobs than this done once I get out there.
Cheers all,
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)0
This discussion has been closed.
Categories
- All Categories
- 343.2K Banking & Borrowing
- 250.1K Reduce Debt & Boost Income
- 449.7K Spending & Discounts
- 235.3K Work, Benefits & Business
- 608K Mortgages, Homes & Bills
- 173.1K Life & Family
- 247.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 15.9K Discuss & Feedback
- 15.1K Coronavirus Support Boards