Monday 6th July - What small DFW things will you do today?

ziggy2407 · 6 July 2015 at 7:21AM

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:

maria3104 · 6 July 2015 at 7:45AM

Morning All, thanks Ziggy for starting us off.

DS1 gone to work.

Have a lovely visitor tonight DH cousin celebrating their 40th wedding anniversary, I mean who makes 40 years now. It is so great. Roast pork tonight then, with lots of apple sauce and sweet potatoes and stuff from stores. No shopping required. Am really looking forward to it.

First work day and a difficult challenging day, infact looking at the week, will be trying from beginning to end. Ho hum!

Jobs to do before 13th mow the lawn. spray chickens.

swim 3 times.Have now set up direct debit as the £4.20 was putting me off going whereas the £22.50 a month becomes a bargain as long as I go often enough. Makes sense to me!!!:T

Enjoy wimbledon all.

ziggy2407 · 6 July 2015 at 7:52AM

Good Morning All

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.

Little list as plan to make most of nice weather

Packed lunch for DH & DS - Done
Ironing -
Shopping with list -
Filing & Shredding -
Dust & Hoover -
Keep "bumping" my for sale posts -
Continue purge on Emails -
Continue purge on FB & Twitter -
Surveys -
Check Banks -
Enter a few comps -
All meals from cupboards/fridge/freezer -
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win -
Read - Need to pick new book from shelf

Have a great day, love to you all

C

DawnW · 6 July 2015 at 8:01AM

Morning all

Thanks for the start Ziggy.

Maria - OH and I have managed more than 40 years. Not sure where the time has gone

Speaking of which, I have co-opted him to help me with the housework this morning as it looks like a bomb site in here, as he has been making a mess all weekend due to a messy outside job, and I have been ill and not kept on top of it!

Other things for today:
Check banks

Wash hair (in a minute) using up more of the shampoo I don't like (nearly finished the bottle now), and let it dry naturally.

HM meals from stores, not much cooking needed, as I have a choice between pasta and bolognese and chicken drumsticks with ratatouille already cooked - just veg or salad to prepare

Check sales unit as I have not been there for a few days due to illness. I will walk down for free exercise, and take a few small bits to top up (hopefully this will be needed!)

Take a few bits to the charity shop on the way

Plant out leeks in the spot where I took out the broad beans yesterday.

Also plant out some chard if I can find a suitable spot

Pick any produce that is ready (rhubarb needs pulling again, for a start)

Any watering needed

Right, OH has arrived with the hoover, so I am on my way upstairs to make a start there! Have a good day everyone

lazer-zxr · 6 July 2015 at 8:54AM

Hello everyone,

finding a little inspiration from this thread ...

- I've brought my lunch to work (Soup)
- Applied for a TSB current account, with £100 switch bonus and 5% on balances upto £2k .... it'll be the home of my newly established emergency fund.

mumofthetwins · 6 July 2015 at 9:19AM

Morning guys

at work most of today but been busy this morning already

done my workouts
packed up enough salad for lunch and dinner tonight (going to BFs but would normally pop to M&S for something on the way)
still using up the whoopsied loaf and choc crossants for brekkies

still to do
check cc to see if balance transfers have gone through.
Use the change (silver) in my purse to get the last few bits from Asda on the way home for dinner.
my dad is taking car for its MOT .. really hoping its not that bad

pop to bank on the way home to pay in money from boot sale over the weekend
try to sneak on here in between experiments to pick up some more tips

That's all I can think of for now ..

Lisa x

twiggy86 · 6 July 2015 at 10:05AM

Morning all!

Sorry I didn't pop by over the weekend! I did have a relatively MSE weekend and only spent £10. Quite happy with how my training is progressing - took a further 53 seconds off my time at park run - meaning I've improved by 2 and a half minutes in my last 3 runs! Still a long way to go before I could ever consider myself fit!

Today I have/will:-
* Check banks
* Take lunch to work
* Check FPL
* Check TCB
* Go for a walk at lunch
* Dinner from stores
* Take clothes back to Next
* Paint nails
* Pop to mum's to get help with my crochet!
* Submit meter readings

Think that's everything for today. Hope you all have a great day.

little_pink_purse · 6 July 2015 at 10:11AM

Morning All

Thanks for the welcome back

Bob you are so right it has bee a rubbish year so iam going to make the rest of it count

so today
deal with e-bay sales
washing on and out
go shopping grr I must as nearly out of toilet rolls
check all freezer stock etc
meal plan
ironing
love my list better go and get my finger out as I am babysitting at 12.30 and still in my pjs XXXX

xJOJOx_2 · 6 July 2015 at 10:41AM

Happy Monday Everyone!

Debt now under £750! Getting there. A couple of poor weeks ahead but still very managable. Thinking of exchanging £20-£40 a week into euros for holidays spends (may keep tips ive been saving until the jars full, could be a deposit towards holiday next year, not sure yet though)

Daily Dfw's and Pure Money
Check banking
Check Emails
exchange some money into euros
Pay in check ive had for over a week!
Pay for months ballet lessons (£12)
Sort purse & bag out
Check budget for month
Divide weekly money up as required

Home & Decluttering
Tidy downstairs
Tidy upstairs
Washing, ironing & putting away
One bag filled up & takin to charity shop

All things old school
Recycling bins filled up & out
Price up luggage locks, scales etc for holiday
Write a list of things needed for holiday & break down into weekly buys
All meals from stock
Make somthing for tea ready for getting home late today
Take snacks & drinks into town to prevent unneeded buys
Pick up a few bits from town as no online shop needed this week

Upping My Income
Onepoll
Buy brown paper for ebay sale & list some more
Music magpie some more dvds

leisure & Entertainment
Ballet lesson for ds2 & 1st street dance lesson tonight
Netflicks for me tonight

1HANNAH · 6 July 2015 at 11:32AM

Thanks Ziggy for the start, hope everyone has a good day, sorry for not replying individually but I'm procrastinating enough this morning as it is!
Jojo I'm pinching your list & editing again!

Daily Dfw's and Pure Money
Check banking/update spreadsheet :starmod:
Check Emails & unsubscribe from junk :starmod:
Give mum a couple of cheques to pay in whilst she's in town :starmod:
Give money for teachers collection at school for ds2's class :starmod:
Paid electrician for call out using bacs rather then chq, saved cost of stamp :starmod:

Home & Decluttering
Tidy downstairs
Tidy upstairs :starmod:
Ironing families karate kit switching off before the end :starmod:
Add to the charity bag :starmod: added a cotbed mattress protected that was still in the original packaging & an old mobile phone case.

All things old school
All meals from store
Made a crustless quiche to use up some cottage cheese from the back of the fridge with a bit of bacon, some cherry tomatoes and 5 eggs

having a slice now for lunch

:starmod:
Meal plan for next couple of days
Work out shopping list and see if I can stretch another day or two before getting the delivery
Cut the top off the shampoo bottle to make sure we use it all :starmod:
Walk to the bus stop to collect the boys

Upping My Income
Swagbucks
Check for email surveys
Inbox pounds, do some searches everyday to get to payout :starmod:
Check luckyphone :starmod:
Check FPL

leisure & Entertainment
Try to read some of my books

That's enough to get me started

kayannie · 6 July 2015 at 11:40AM

Well, it was a lovely morning here when I took the dog for his 2 mile walk before breakfast, but as soon as I cycled to my veg garden, the heavens opened! I just had time to get beans, mange tout and spuds without getting too wet, but had to give up on anything else I'd planned to do.

Luckily I keep an old kagoule in the pannier of my bike for just these moments, so didn't get too wet cycling back home. Stopped at P.O. on way back to collect pension - I could have it paid into bank account, but think the small P.O.'s need all the support they can get. I wouldn't bother if we lived in a larger town.

I had to do an emergency stop when I saw a 20p lying in the road - I put any roadkill in a pot and don't count it till the end of the year and then treat myself.

Well, the housework won't get done unless I make a move, so bye for now.

K

Monday 6th July - What small DFW things will you do today?

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