What small DFW things will you do w/c 12th November?

determined_new_ms · 12 November 2018 at 8:05AM

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:

determined_new_ms · 12 November 2018 at 8:17AM

Morning

house to myself and enjoying a coffee

will wake up madam in a minute to start getting ready. Still need to iron her clothes and polish her shoes!

Have just heard chicken pox is going around madam's class :eek: part of me wants to avoid it due to hassle it will bring with work and I don't think oh has had it :eek::eek: the other part of me wants her to have it as the older she gets the worse it will be....

Day off today, not back at work till Friday :j

Things for today:

[STRIKE]* 2 x walks with pup - need to contact co-sharer as I was meant to be working today so she was having pup for day but due to not being able to drive I was allowed to cancel my shift. Need to still offer him to her.... message sent[/STRIKE] he's staying with me. Need to find a semi dry window to go for 2nd walk!
[STRIKE]* flylady[/STRIKE]
[STRIKE]* all meals from stores - probably need to jig things around as forgot to get lamb out of freezer![/STRIKE]
* did an online shop for delivery weds. I never do them as we shop at Lidl and it grinds my gears that everything costs more. Managed to get free delivery and what with not being able to drive at the moment it makes sense
[STRIKE]* finish sock[/STRIKE] and cast on 2nd
[STRIKE]* carry on quilting[/STRIKE]
* might start taking in a cardi I picked up 2nd hand :money:
[STRIKE]* check onepoll[/STRIKE]
[STRIKE]* read book[/STRIKE]
[STRIKE]* check banking/pay a bill/straighten up accounts[/STRIKE]
emptied & cleaned current bin. Swapped it with found bin and old bin now houses paper :money:
* did a mini clean of the larder - you can walk in there again!

Going to take pup for walk and then do flylady this morning leaving me with most of the day to do things I want to do :beer:

natlie · 12 November 2018 at 8:47AM

Morning, thanks Determined

Working from Home today
finish laundry and wash dishes
Checked banking - currently looking ok
One buffet payment in £90 but over £500 still owed
Son's lunch box is done but he needs 25p for snack as I forgot to get fruit in the online shopping
going to check all the plugs are switched off after reading that plugged in chargers cost 3p an hour - event when they aren't charging anything
lunch and dinner are sorted - have been really good at freezing leftovers recently
bin night so need to go round the house and sort all the bins/recycling

Have a good day all

Nat

daydreamsofaunicorn · 12 November 2018 at 9:02AM

Morning DNMS thanks for starting a shiny new thread. Working nightshift tonight so I will need to fit in a nap at some point this afternoon. Yesterday (as I was thinking about my very low Christmas budget) my car went over a nail so will need to get a new tyre today and rethink the Xmas budget :mad:

Mr Daydreams has been talking recently about buying a house to do up and potentially sell on. He has seen 2 houses he would like to view. We currently live in Mr Daydreams house which he has a mortgage for and we both pay the bills. My credit file is horrific at the moment and have no way of getting a mortgage any time soon. We have only been together for 8 months so it's all relatively new anyway. He's probably not going to go any further with either as he is very sensible and likes to take his time mulling things over and I have a feeling they will both get snapped up. I'm not sure how I feel about living in a doer upper. On one hand I can't be bothered with the hassle but on the other hand we/he could make a nice wee profit.

I better get a move on as it's a busy one today:

[STRIKE]Arrange viewings for the 2 houses (We both hate talking on the phone but Mr Daydreams is phoning the garage about the tyre so I've agreed to do this one)[/STRIKE] Arranged for tomorrow & Thursday :j
[STRIKE]Check bank account and update spreadsheet[/STRIKE] had more than I thought so that's going straight into the tyre fund
[STRIKE]
Withdraw money from Quidco[/STRIKE] I had £21.68 just sitting in there
Put 10 things on Ebay
Text my brothers re doing a secret santa this year and set a budget
Buy Mr Daydreams birthday presents
Set up Ebay spreadsheet as I'm also selling on behalf of my mum and want to make sure I give her the right amount of money
[STRIKE][STRIKE]Package up sold Ebay items[/STRIKE][/STRIKE]
Walk to Post Office avoiding all other shops on the way
Sort out meals for the week as menu planner was rather rushed last week
Start a list of dinner ideas as menu planning always seems to be rushed and I always forget to put half the things on my shopping list
Sort through this huge pile of ironing
Withdraw cash for new tyres
Go through the few Christmas things I have bought

Not MSE but important me things
Have a nap
Watch a Christmas film
Look at reading challenges for next year as I definitely want to start reading more
Try not to fall off the diet wagon :rotfl:

Hope everyone has a fab day
Lx

allydowd · 12 November 2018 at 9:24AM

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.

allydowd · 12 November 2018 at 9:31AM

Hi November Networkers,

Morning!:coffee: Day off.

Cold and wet here.

Managed to accidentally take two doses of my medication this morning. :doh:

Thanks for the starter DNM.

Debt-Free-Nillionaire Continuity Plan Year Four:

* Check online banking. Done.

* Get some exercise. We are going to our rented storage locker today to put away all our Summer stuff. So that's some free weught-lifting. I know renting storage space isn't very MSE....but it is what it is. Then I am going to properly clean out and tidy our storage cupboard at home. More weight-lifting.

Things don't have to be perfect to be wonderful.

carrielovesfanta · 12 November 2018 at 9:57AM

Morning folks

Thanks to DNMS for starting us off

I'm still catching up with last week and this week but big hugs to everyone

Natalie - I've not tried sterilising fluid thank you for the tip

Am gutted. after feeling very pleased with my almost new bargain breadmaker from FB, it broke on the second use. The drive shaft disengaged inside somewhere. I could hear it turning inside, but it wasn't moving. OH tried to take it apart but it was def not designed to be serviced. Poor chap sliced his thumb open for his trouble too.

Used £40 of my work voucher to order a brand new one

Has felt incredibly spendy over the weekend, but mostly because we broke the back on the Christmas shopping. Also still feeling rubbish with this cold. It seems to have gone on my chest.

Today's mission:

B/L/D from stores - done
Charge phone in work - done
No alcohol - done
Training day at work - free nibbles? - cookies!
Gym after work - take it as it comes as still not totally well - done
Heating off hopefully. I am horrified at how much our energy cost has gone up since our last fix ended. - done
Wash down kitchen window. We have now removed all of the old manky patchy frosting. I wish we could leave it unfrosted but our kitchen window looks directly into next door's garden
Washing away - done
Message my mum re money she owes me - done
Message gardening place re faulty product - done

Seems like a reasonable list for a work day. Will add more if I think of it.

Have a good one all

clf x

merida88 · 12 November 2018 at 10:12AM

Subscribed, still about just hectic...

Car v sick, had to hire a car to get to exams this week :eek:

Hope all well!

PurpleFairy26 · 12 November 2018 at 10:58AM

Merida hope the exams are ok.
Carrie - hope you feel better soon

I'm working from home today :j but need to make sure I'm productive so just a short list and then on with my day

Checked banking, update sheet
Reconcile just for points credit card
Realised I can make DH one of his favourite meals using leftovers from yesterday's roast and the store cupboard :j
Order a few presents online
Washing shuffle, may peg outside as it's bright today
Small to prepaid lesson
Shuffle money between accounts to meet minimum terms for interest
Double check meal plan so I know what we're having when, made a big batch of soup yesterday and it's always satisfying when it's sat in the fridge, knowing you can a wholesome meal in under 5 minutes :rotfl:
Maybe make some pesto as my basil plant is growing like the clappers, possibly search nut free pesto given that I realised yesterday my small should be taking pesto pasta to school as they are nut free school and it's a staple

That'll do for now, have a good day folks. Purps.

little_pink_purse · 12 November 2018 at 11:29AM

Good Morning

thanks for starting us DNMS

been hiding in a dark place so i took some time out

now with a new mind set i am feeling a bit like my old self

todo

re do budgets
check accounts
check which card to start clearing
return to work
start thinking about Christmas eekk

have great day
glad to be back

take care hugs to all xxxlppxxx

carrielovesfanta · 12 November 2018 at 11:56AM

Good to "see" you lpp - sorry you've not been well.

What small DFW things will you do w/c 12th November?

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