Weds 7th April - What small DFW things have you done today?

Cleosmum

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 charging your phone up at work instead of at home to save your electricity, 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 :beer:

Today I have:

• Checked banking
• Checked pigsback

And will:

• Go to 5p bowling
• Pack up the cage and book a courier.....:o
• HC and airer dry
• Meals from stores
• 2 x MS
• Submit MS reports

And I shall be back after bowling!

Have a funly fab and productive day :beer::money::j:T

OrangeFairy

Thanks for starting the post Cleosmum

Me and DF have been together for 8 years today!!!!!! ;):)

Morning all...going to be brief...

Today i will / have

Go to work
Send 7 ebay parcels
Wrap one ebay at work
Ring tax credits
Check banking
Surveys
Casserole in slow cooler (hopefully stretch to 3 meals)
Buy some cornflower
Charge phone at work
See if work have caught the mouse in the office!!
Lunches from stores

I hope everyone has a great day xx

Cleosmum

Oh anyone noticed reduced tax credits for tomorrow, just checked my pending for tomorrow and its a few quid short?

Cleosmum

Happy Anniversary Littlekel! :beer:

josiebabie

Morning campers!
DM and I (stitching witch) are doing our list together today as she is here with me and we have a busy day planned.

Today we have/will:-
- [STRIKE]DM has harvested her patty pan squashes[/STRIKE]
- [STRIKE]Had HC on time clock last night[/STRIKE]
- [STRIKE]Hot water been off, on now for a bit so I can wash up then going off again[/STRIKE]
- [STRIKE]Go to Scats to purchase the cheapest way of waging war on voles in my lawn
- DM needs chicken feed, still no eggs yet[/STRIKE]
- I need to check banks and recheck budgets etc
- Hopefully OH will sort out fuel for my car?? - texted to remind him!
- [STRIKE]Pick up OH dry cleaning and keep his change (£7.50!)[/STRIKE]
- [STRIKE]Mince out of freezer for store cupboard dinner.[/STRIKE]
- [STRIKE]Lunch from stores[/STRIKE]
- [STRIKE]Larder inventory and meal plan, have got a bit lost due to OH "helping" with the shopping[/STRIKE] have enough meals to take us through to payday, just roast chicken and roast beef joints to buy for respective sundays
- Finish tiling roof of dolls house (free entertainment as we have all the stuff)
[STRIKE]- Ironing, booooooo![/STRIKE]
- [STRIKE]HC on airer not tumble, it's miserable out there.[/STRIKE]

Have a good day all, today is my last day off so will make the most of it!
J and SW x

determined_new_ms

Cleosmum wrote: »

Oh anyone noticed reduced tax credits for tomorrow, just checked my pending for tomorrow and its a few quid short?

I think its probably becuase its the end of year/new year? As I remember when you get ur notice it'll say "if nothing changes your payments will be xxxx from april 2010"? Check your notification...

Morning! Ah another lay in this morning , and I managed to stay up until 12 again last night , am reading a really absorbing book by Jodi Picoult so its been easy, I love her books they're so tragic! I love a tradgy, love to feel the pain...

Ok leaving for work at 11.30, we've arranged a group supervision session to try to deal with the fallout over the last couple of weeks so hopefully things will get better from today.


Today:

• [STRIKE]make hobnobs for supervision session [/STRIKE](leave a few at hm for oh & ds, oh was not impressed I was going to bake for work!)
• [STRIKE]read martin's email[/STRIKE]
• check tyre pressure (the one at Asda yesterday was out of order )
• [STRIKE]any surveys available[/STRIKE]
• [STRIKE]dig something out of the stores for tea at work/hm soda bread nd cream cheese for lunch[/STRIKE] decided to have frozen portion of chilli in freezer, will cook rice at work and save on gas!
• drink 2ltrs of water! my skin is suffering since I fell off the diet/exercise wagon
• plant seeds I didn't do yesterday
• [STRIKE]NSD except 20p on air[/STRIKE]
• phew just realised I needed to make cc paymen before 10.04! made it with 1 day's grace

can't think of anything else atm! happy Wednesday everything, after today we're on the downward stretch to the weekend, hurrah
eek need to get dressed nd ready for work, need to leave in 35 mins :eek:

determined_new_ms

littlekel wrote: »

Me and DF have been together for 8 years today!!!!!! ;):)

Happy anniversary kel!!!! 8 years, wow that's an achievement!! :beer:

determined_new_ms

josiebabie wrote: »

- Larder inventory and meal plan, have got a bit lost due to OH "helping" with the shopping

he he he I do our shopping when I'm off work/doing a late shift so he doesn't come with me, its much cheaper that way last week he said something along the lines that he's banned from going shopping now (i amde some comment about doing when he''s at work gives us more time to do stuff when we're both off )

Pippilongstocking

Morning all

Its sunny here to about to dash out with washing for the line
More HC's - 3 on the line
CHeck banks - I should have been paid
Move money around
PAD to DS savings for his school trip
Organise how I can pay 300 to his trip and 200 to his sisters this month (Insert a shreeky face) (ebay?) -= asked thier dad - that gave me a laugh.....
Organise to go out in field later on today
Started amazon listings - continue these later - sold a CD I bought yesterday
Started 1 - yeah only 1 ebay sale- many more to do so much take pics/list today
Check DS room and sort out anything that can be 'disposed of' whilst he's away
DD has left me an 'ebayable bag' so thats fun
Go through the clothes in a bin bag given from DD cousin
Give the rest of them to her BF's mum
Organise to go to the new house today - its a lovely day
Reinput the electric - we're using too many units so I'm monitoring it closely
Make mash to put on the mince and tatties to make shepherds pie - or as we say in this house 'posh folks mince and tattties'
Organise a bit of my store shop and put it into spreadsheet if at new house
Get some weedkilling done if at new house
Bury chicken - ergh poor thing got killed my a cat (a very brave cat)
Water greenhouse/conservatory
Plant those shallots/onions before I forget later
Go through seeds quickly and sort out things for planting/listing
Freeze half the mince
Boiled eggs for brekkie and egg sandwiches for lunch
Take puppy to work for exercise for him
Charge phone and laptop at work
WOrk hard on spreadsheets and sort more things out.
Update my own challenge spreadsheet with tesco gift card from lodgers chum £20
Put music magpie cheque in bank and think about listing some more...........................

I hope you're all good today - hugs all round to those who need them, thanks for starting the thread Cleosmum pop in later with bank updates - ergh

OK - question - what is a DF?

Triangle

Morning all :hello:

Fay - DF - Darling Fiance I'm guessing?


Hope everyone is well and chirpy today. Its my study day today and as always, lots to do!

• Day at home - no petrol to be consumed
• Aiming for a NSD
• Out to dinner tonight as it's my dad's birthday
• Need to contact SW as meal starts at 7pm which is when SW is on - if I book it as a holiday I won't have to pay £4.95 next week
• Walk pup for free excerise
• Bit of housework - hoovering and washing up
• DH to contact tax credits - letter received recently saying not entitled to anything . Knew that would happen because they wanted 08/09 details - things have changed a lot in the last 6 months but no space to say that on the form!
• Call friend using free minutes for a catch up -also grandad
• Contact local council as my maiden name is on polling card received
• Washing at 30 and airer dry
• Uni work - one book, essay plan and aim for 500 words

Take care everyone and sparkle lots
T
x

missylaney

Hello :wave:can I join in please? My list for today is:

• Do a bit more sorting out in DS's room while he's away
• Add some more stuff to turbo lister ready to upload to ebay
• Wait until the postmans been before I post a cheque to the bank - thereby saving a stamp if any more cheques arrive today
• Go and pay the (probably huge) paper bill and make sure I do it weekly from now on
• Send cheque to the bin wash man
• Give DD2 less milk in each bottle - saving milk + hopefully encouraging her to eat more food rather than spitting it out or chucking it on the floor

Can't think of anything else for now will go and read more posts for inspiration