Bank Holiday Monday - What small DFW things have you done today???!

La_escocesa

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

Hi everyone :wave:

I've been a good DFW this weekend. Has been hard to post because I'm visiting family but I have been catching up reading about all your lovely bank holidays and good DFW efforts! Yay us!! :D

I have/will:
- Update spending diary and smile that my bank holiday trip has come in at under £35:A
- Use winnings from the Grand National to get petrol for the hire car:A
- Update wedding budget and re-jig it a wee bit - asked a family member to do something for us so we don't need a [STRIKE]rip-off merchant[/STRIKE] 'professional'
- Pay off a wee bit more of my cc:T
- Put some coins in the jar
- Meal plan for the rest of the week and include lunches so I am prepared!!!
- Check for surveys but think I might have missed the deadline
- Smile because Quidco have paid me some free cash!

Will report back later when I think of a few more and to catch up with everyone else. xx

WelshWoofer

Morning ladies!
Up early again - sooooo much to do today and don't quite know where to start!
Got a call from a Head of Dept yesterday just as I was about to go to the christening asking me for interview on Weds (I have another interview on Thurs too). It's all getting a bit stressful lately (and I'm not the stress type really, I one of those that just gets on with it usually). When we came home last night I just ended up in a flood of tears with OH looking at me blankly and quite bewildered! Bless him - men don't know how to do upset when you're usually the strong one do they? I think the wine helped bring on the mini melt down but its been brewing for a while I think - anyway better out than in and now I just have to get on with it. So there!

Had a cr*p nights sleep but have got up determined to get something done today.


I have to ...

• Write 3500 words for final assignment second half (first half all done and quite happy with it but this is wrapping up all of my "research" whilst in school) - won't get it all done but have to do at least half
• Mark a load of books
• Mark a mini project I set the kids (seemed like a good idea at the time!)
• Start interview lessons - arrggghhh!

And on the DFW front...

• walk dog x3 for free exercise and fresh air
• all food from stores
• checked banks
• try to have a NSD
• one load of washing
• put dry washing away
• phone mum for a moan and moral support using free landline
• be nice to OH to prove I'm not having a nervous breakdown just a funny five minutes
• have a relaxing bath using up toiletries this evening (quick shower this morning)

Right better get on with it - marking first methinks?

Have a good bank holiday.

savingforarainyday

morning everyone, ooh bank holiday andthe sun is trying to shine

thank you for starting the thread la escocesa it is one of my favourites

and rachel i know what you mean when you say people dont know what todo with you when you have a mini meltdown esp when you are usually the strong one

well i don't know about mse spent £26 on taxis yesterday :eek: after writing the car off on saturday and now have all that mess to sort no car, not that i would be driving i have a rather fetching cast on my arm and soo many bruises, but at least i am still here:)

so today
i will check my online banking
catch up on emails no capital letters left hand only
fetch ds and dh from hospital very good friend taking me
try and tidy up

have a chillaxing bank holiday

josiebabie

Morning everyone.
Been sat here a while just lurking but now it's time to write my list and get motivated! In rachelmk's style I'm going have to/DFW. PS Rach don't worry about the melt down, I think they're good for you to help clear out and start from scratch if that makes sense!

Today I have to:
- Ironing
- Empty Hetty
- Washing up/clean kitchen
- Continue the declutter, might get back up in the loft today
- Try and work out what this rash is all over my face/neck
- Paint my nails

And DFW:
- Hot water only on for a short time.
- Fill out the snowballer for the first time ever to get a DFD
- Check credit report
- Sort out filing upstairs and work out APR's on CC's/loan
- Plant tomatos donated from DM into bag
- Pot on more cucumbers, need to buy more small pots first
- Keep an eye on my ebay
- Try and find more ebay stuff from the great declutter
- Buy fruit, bread and milk - OH can get as I want another NSD
- Go out in OH's car, not using my fuel
- Dinner from plan later, bolognase
- Lunch from stores except bread

That is planty enough I think!!!
Jx

josiebabie

Hope you and your family are OK Saving x

nomorespending

Good Morning!!! Yey i'm on here at the beginning of the day for once!!

Hope you all have a bit of sunshine today - its trying hard here to poke through the clouds!

List for today

• Up shower - easy peasy
• out to garden centre - free activity with other half - he likes looking at the fish and has some birthday money burning a hole in his pocket ( I have plenty i could do with it but thats just mean!!! - I did buy his vouchers off him though so i can use them for gifts for christmas - got £70 so far!)
• Get some petrol for lawn mower ( cross with OH as he used all of the petrol we had up last time we had a BBQ - and it was unnecssary - ahhhh!!
• Mow lawn if it staays dry today
• paint fence if it stays dry today
• Have reflexology ( this is free as a friend of mine is studying it and has to have 5 guinipigs - i'm going to have weekly sessions for 6 weeks - yey to that and free too!)
• mop all floors in house - they are disgusting
• do more washing - use very little washing powder.
• go onto internet banking and cancel DD to gym - even though they have confirmed 1st may will be last payment you never know. Hurray for that - £75 per month towards my CC
• Spend some nice time with OH - poor love thinks i'm having an affair with marting lewis - although he always says - are you on that marting lawrence site again.... doh!!
• have a think about the loan - it occured to me today when oh was asking how the debts are goign ( hes trying to be supportive but doesn't really get it) that if i can pay my loan off in july I will have another £144 to knock of my credit cards - i'd missed that! plus the £75 a month i wont be paying for my gym so there a good chance i might clear one of them by the time the 0% is finished in JAn - now tht woudl be amazing - just got to see what i can do - the food shopping is getting well over the £40 budget each week because I'm trying with SW and its seems to cost more - don't know why!
• get clothes ready for work - always helps me feel less stressed in the morning!
• stick to SW all day ( meal plan below)

breakfast - berries and low fat yog - theyre a super food and i'm getting weighed tonight!
lunch - Baked potato and tuna ( or beans) probably beans as have no low fat fromage frais
tea- omelette with peppers and bacon and mushrooms - yum. (with fry light )
DRINKS- try to drink 1 litre of water.

Lottebear

Today I have or will

- Daliy cards
- Checked online banking
- Entered Comps
- Chased annoying ebay person again, hoping I will get money back
- Planning a NSD
- Visit gym later
- Tidy house and wash up

Pippilongstocking

Morning all

I hope you had a nice weekend - its been lovely here so lots done outside

Today is a sort of day off but need to get some work things done as well

List for today
Pot up and freeze the HM pasta sauce (tomato and basil) made from the 'going off pesto' and two tins of value tomatoes - should get six decent portions for freezing
Check banks:eek:
Check quidco money:o not in yet
Update spreadsheet for my 10.99 a day challenge
Sort out seedlings and label them - I always forget to do this!!
Pot up some more tomatoes
Move more plants upstairs
Work out a way to put trays/window boxes upstairs on window sill
Hand brush rug upstairs that's shedding like a beast
Sort out DD hokeycokey for school and line dry
Walk puppy for free exercise
See how OH gets on 'working from home' later today - first go in new office
Herbicide more garden for hedge
Look in old shed for old wood to make a flower bed (soil from freecycle)
Text my pal using free mins and see how she is
Sort out more of the stuff moved in
See if I can cobble together enough wood to make a window seat upstairs/bookshelves to enjoy the view and use up old shelves rather than buy new wood
Think about unpacking books - must make an amazon/ebay pile
Take mower back to other house
Give lodger shot of the car (makes her happy )
Sew some cushions for DD
Sort out the chicken stock from the roast dinner
Chicken pie today when 'rubberising the chicken'

Ok that's me today I think - didn't post over the weekend but I did do my small things

Weather is nice here - so off to get on with stuff. xx Hugs all round

Also
Took stuff out of freezer and am doing some batch cooking
Steam clean the carpet to use it before it goes back
Did the bathroom yuk yuk yuk
Watered conservatory
Managed to bash the car into a wall today at garden centre (no-one hurt but the car looks like a bear has got it!!:eek:

mogchops

morning all, thanks for starting the thread la escosa xx

Saving - hope you are ok, sounds a bit scary xxx

Rach - we all need a meltdown once in a while!!

Today:

- check online banking
- hokey cokey (indoors, weather looks rather suspect)
- shopping & stick to list
- hoover through and tidy
- wrap up ebay sales ready for posting (have made £70 :j:j)
- enjoy eating the home made breadthat DH has made in our inherited breadmaker :rotfl:
- check stepsons orange acc to make sure new contract sorted

Have a lovely day everyone xx

Pippilongstocking

nomorespending wrote: »

Good Morning!!! Yey i'm on here at the beginning of the day for once!!

Spend some nice time with OH - poor love thinks i'm having an affair with marting lewis - although he always says - are you on that marting lawrence site again.... doh!!

• .

:rotfl::rotfl::rotfl:My OH says to me that whilsit he appreciates Martin's efforts on my finances, he'd rather I didn't keep taking him to bed with me.............................[on the laptop]:rotfl::rotfl::rotfl:

He's known as the 'other man' in this house as well!

Julie67

Hi All,

Tried to check online banking (co op not working has anyone else tried:mad:)
Tidy round (proper clean done yesterday)
Check out Quidco sure I am missing a trick with this
List some ebay stuff
List books on Amazon
Try and resist shopping TK Max calling my name

OH is working today so that's MS when your self employed and in debt you have no choice.

Letters all ready to post to start DMP and dd's cancelled:eek: next couple of weeks will be very scary I am sure.

Have a good day all