Fridy 27/3/09 What small dfw things have you done today???

Paulgonnabedebtfree

Well I've finally got around to updating my spreadsheets/sig etc. I've spent more than I should have and April will be another high spend month. After April, I will then have four low spend months in a row (I've excluded holiday from my 4 grand as it could impact on other people's enjoyment). I probably won't be too far off half of the yearly spending allowance by the end of April. However, nearly all of the big ticket items for the year will be paid and I have a large stockpile of long shelflife food. Even Christmas is cheap for me. I was ostracised by most of the family years ago because I left their cult. They don't do Christmas. Christmas never costs me more than £150 and I can usually do it at rather less than a ton.
I've think I've done quite well so far really because my vehicle maintenance costs have been exceptionally high in recent weeks and even though I lost 3 - 4 weeks of work in the freeze-ups, I've still managed to chip away at my debts. I can't deny though that my self discipline has been wayward at times so I could have done even better. I take the view that over these past three months, I've gone 95% of the way to turning around lifelong bad habits.
For next year, due to excluding holiday (and with better discipline by then), I intend to reduce from the 4 grand target of this year. I reckon it's doable - especially as I see people on here with children doing 4 grand plus child allowance. We all know that child allowance is only a partial contribution to child costs so maybe I will try for £3,500 next year.

andan

SM, hope all goes well with the horse

Glad to hear people are on the mend

Fay, sorry that the lodger has let you down, i can relate to that as we can often find out at the last minute that a student is no longer coming. hope you can get by financially.

Very impressive list Fay, mine will not be so impressive as i have been doing a huge amount of work in the garden again. Neighbour commented on how much light he was getting in his house now too and how much better it was looking.


Paul, nice to read your update re your £4k challenge!

dizzydebs27

Hello all!!

It's Pay Day :j :j :j

and altho that has brightened up my day, pay and staff services have messed everything up, as i have applied for a new bank account (with cashback ) and i requested that my salary goes into my new account as of next month! but no, it went into it today and all my direct debits go out my old account on the 1st, so that means i have to try and transfer money about, but i hope that the money transfers before the direct debits go out or else i may then be charged for going over my overdraft!! agggghhh:mad: :eek:

have a question!?!? does anyone know if it is cheaper to put central heating on to heat house, or the gas fire to heat one room???

hope everyone is having a good day xxx

andan

Today is much more positive than yesterday i have to admit and progress is going ok for today!

-I have loaded up car and taken four large green sacks of garden waste to the tip and did my damsal in distress routine so that the men at the tip would help me unload it!
-Spent another hour in the garden cutting back garden waste and found a tree in our garden that i never knew was there!
-Been to work for my pennies!
-Completed the rest of the O.U work for this week, this is great for me as a few weeks ago i was well behind
-Have read business site for advice
-Checked email, optimisation and free index
-Submitted website to another directory
-Have text friend to confirm her massage appointment for tomorrow
-Eating yesterday's left over pasta sauce and have managed to strech it for tomorrow as well
-Have posted ebay sale
-hunt house for batteries so i can take some pics with my camera and take pic of scanner to post on ebay, one identical to it is now on £40!
-Read seven pages of next O.U chapter
-Check online banking
-Move money around as necessery
-Print off statements needed for mystery shopping company
-Update blog
-Read fave threads
-Sort out ready to post, application for hot stone massage course
-have done another load of washing and hung up to dry
-do daily scratch cards
-Sort through emails
-Do some surveys
-Check for mystery shops
-Put second load of washing on
-Sort through nvq homework that needs doing for monday
-Check over students room and make sure it is sorted for Sunday
-Put some loose change in sealed pot
-Do next week weekly plan


Planning on a nice glass of wine tonight and may chill with a dvd, part of 101 challenge. Have a great evening all.

andan

Dizzydebs, i would have thought it would be cheaper to heat one room. I wish i could do the same thing, Its rather cold here and have had to put the heating on but i'm the only person here and its seems silly to be heatina whole house.

I have heard from people on another thread that it can be cheaper to leave your central heating on low than to keep putting it on and off again. Decisions decisions!!

angelflower_2

andan

I have images of your garden being a complete jungle before you got stuck in about it - do you have before and after pics?

dizzydebs27

I live on me own too and to be honest altho its a terrace, the back room to the kitchen and bathroom is always freezing to the point where my parents left me an electric heater for winter cos it is that cold!!! so being inbetween two other houses isnt helping me much, but last night i put my fire on for a short time and was wondering if it would be cheaper to heat that room only and take a hot water bottle to bed or put the heating on low??

as u said decisions decisions!!!

MrsAudus2b

Hi everyone :j

Well, can't believe it's friday and I've been back at work all week! I can't tell you how great it feels to be back! :j I am super duper tired now though, had to leave at lunchtime today. Ah well, weekend is here!

Today's list:

• Did grocery shopping last night with OH - £39.19 so within budget (by 81p!)
• Still managed to get a lovely bottle of red to share with OH tonight :beer:
• Work today
• Drove carefuly to conserve petrol
• Storecupboard breakfast and lunch at home
• Back on slimming world today, been AWOL for a couple of months but then the realisation hit that it's only just over 5 months til the wedding!
• Write up meal plan for the week
• NSD
• Finished puzzle sections from trashy magazine
• Submit answers online which is free rather than posting
• Catch up on rest of thread
• Catch up on diaries
• Try and get round to updating mine
• Bit of housework
• Nice meal, wine and DVD with OH tonight
• Try to do some work on our wedding gift list

Think that's about it, lots of other little bits to do but I have a free day tomorrow to potter about and get things done. Time to relax now!

xxx

sammiebmouse

Hello All,

Im a newbie and a lurker, you all inspire me with your lists so thought I'd add mine, in the hope it helps me get my a$$ in gear

My list for today:
Check Online banking-payday but you wouldnt think so to look at it!
Food shop - done (Mr T's, went without lo and oh and spent £96.12, had budgeted for £78.00 so not too bad for me considering I bought 3 packs of nappies and 3 tins baby food at 7.80 each.)
Transfer money from paypal - done
Call tesco to change address - have been on 'say no to 0870' to get cheaper number, will call once phone has charged.
Regsiter Tesco card with Eon - was told I get points for every top up, so as they say ever little helps!
Check ebay items on sale and answer any questions - uptodate for now!
Check PB/Quidco -no piggypoints and quidco have still not paid me for oct transactions-am oved £60.00 which we could do with now.
Sort dd's clothes and room - still to do,though havent the motivation,theres soooo much to do.
Play lotto-have played euro millions for the next 3 weeks-fingers crossed!
Sort cupboards and list food-done, just need to stick lists up inside each door so I can quickly see what we have in.
Make bottles for dd- will do once finished on here
bath lo.
make dinner for OH
Clothes in wm on cheap rate.

ok, thats enough for me, especially as its more of a wish list as dd is only 3mnths so when she wakes all plans go out the window!lol

andan

angelflower wrote: »

andan

I have images of your garden being a complete jungle before you got stuck in about it - do you have before and after pics?

Trust me angelflower my garden was a jungle before i got to work on it.
Don't know how to post pics on here, however here is a link to my blog which shows a pic after i had already spent quite a bit of time in the garden and the second picture is progress to date.
http://dannies101.blogspot.com/

Feeling phsyically tired from it all but am definitely enjoying it.:D