Tues 3rd Aug - What small DFW things have you done today?

josiebabie

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 :money:

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

Morning campers!

Well I am up early today as I am very excited! I have my motorbike back on the road and taxed and ready to go! I am picking it up from home at lunch time so after work we can shoot off to Poole Quay tonight (the locals of you on here will know what for!!!)

Today I will:
- [STRIKE]Check banking[/STRIKE] not too scary!
- Search out notebook and update
- [STRIKE]Get bike jacket out of loft for later[/STRIKE] should have done this earlier, it smells all musty!
- [STRIKE]Check weather[/STRIKE] OK today but heavy rain tomorrow, might change by then
- Lunch and snacks from home
- [STRIKE]Gammon in SC ready for DM's dinner, who is picking DD up from nursery and staying over[/STRIKE] lucky lady!
- [STRIKE]Try and fight with DD to get her up and dressed![/STRIKE] she is wearing her favourite skirt AGAIN
- Fuel up bike at lunch time :j
- [STRIKE]Take tidy clothes in for tomorrow as am using bike tomorrow as well........[/STRIKE] might not now looking at the weather but have brought them in anyway just incase

Can anyone tell I am v. excited about my bike???? LOL

Have a lovely day all
Jx

Well it would seem I was way to over excited this morning and wrote myself a rubbish list of stuff! So here is some more:-

- Do some OnePoll
- Try and sell a purge
- Try and locate a phone charger to charge at work as mine is nearly flat!!!
- Check for any new bills coming in and update notebook if I can find it!
- May transfer notebook info into spreadsheet form to keep myself in the 21st Century!

determined_new_ms

Morning josie! we nearly had a double thread on here! I checked yesterday's thread, copied it and just quickly checked there wasn't a thread, and here I am! Exciting news re ur bike :jhope its as exciting as when you got ur first bike!

Work still continues to be dull dull dull, full of uncertainty and weirdness... Anyway I'm off tomorrow so that's a relief!



Ok today (quickly before I dash upstairs to get ready)

• [STRIKE]drive carefully to & from work[/STRIKE]
• [STRIKE]charge phone at work[/STRIKE]
• [STRIKE]check banking[/STRIKE] - tight this month but still on track
• [STRIKE]pay cc1 & cc2 off in full[/STRIKE]
• get petrol decided to get tomorrow as will be spending on other thins, so have my 1st NSD in August :j
• [STRIKE]lunch from stores[/STRIKE] mmm leftover sausage nd mash, free (work's) gravy & free salt n pepper (from when i took dd out on Sat and grabbed hundreds of little sachets! )
• [STRIKE]dinner from plan - hm pizzas (going to double up tom sauce & freeze - thanks fay :A)[/STRIKE] dough in the bm, sauce x 3 quantities bubbling away on the hob (going to freeze x2 portions for pizzas/pasta dishes next week )
• [STRIKE]remind oh to bring home the salami from work for pizzas tonight[/STRIKE] will text as well at the end of the day or he will forget!
• [STRIKE]tomorrows meat defrosting in the fridge[/STRIKE] (thanks olive :A)
• any surveys
• play tennis tonight with oh - free excercise oh blew me off to go play bowling with his ma
• [STRIKE]pay in ds' housekeeping (ds lost his job yesterday so won't be getting this for a while)[/STRIKE]
• [STRIKE]pay in £5.50 of pennies/£2s into bank[/STRIKE]
• [STRIKE]transfer £5.50 into savings/holiday account[/STRIKE]
• feed toms tonight - fay lots of little plants haven't turned into toms yet am I doing something wrong???
• [STRIKE]put my bank details on amazon so they can transfer my money from a sale into my bank[/STRIKE]
• [STRIKE]remind oh to print off paypal refund so I can send off for royal mail insurance claim[/STRIKE]
• filing tonight (I must do this its beginning to be ridiculous!)
• [STRIKE]requested £20 cashback from cc[/STRIKE]

ok that's me. Hope everyone has a lovely day. Welcome to the new ppl

stitching_witch

I'm at work at stupid o'clock too. I was told yesterday I have to get a yearly report done by lunchtime today so stayed 2 hours last night and came in at 7.30 today. Don't get enhanced overtime rates but an extra 3.5 hours always comes in handy.

Didn't get chance to do anything at home this morning but did run WM on Economy 7. Hopefully DH will think to hang it out as I'm staying at DDs tonight whilst she gallivants off on her bike! (I did have to look up the spelling though )

I need diesel and also buy a lunch as I didn't get chance this morning so not a DFW day at all really. Ah well, there's always tomorrow ......

savingforarainyday

Morning everyone

Was up really early for me today, washing already out on line, but not sure how long it will stay there, we have some very dark clouds.

I have been investigating the best way to sell a ring I have. I don't really want to scrap it, but it does have a very big stone and is an acquired taste, not mine I am afraid. I may send a photo to the local auctioneers, see what they say.

So far

I have checked online banking
Made bed.

Dh is off work today, so we are going to have a look around Newark and going for lunch (tesco vouchers:j)
I have some gooseberries that need freezing, and more plums.
Need to collect ds gluten free presciption, see if they get it right this month.
Check I have baking ingredients, need to do some bits and pieces to last us until we go away on holiday. I am desperate not to go any further into the overdraft this month.
Also have some work pieces to finish off, don't think I will get paid before we go, but at least I know I will have the money when I get back as they are good payers.
Photograph some more stuff for ebay.

Think that is it for now, off to put some more washing in washing machine.

nowpanicking

Good morning everyone,

Thanks to Josie for starting off the thread ... feeling loads better today - ended up going to bed at 9.15 last night, must have been needing it as I feel ace today!

My list for today: -

• check on-line banking
• check surveys
• update meal planner for next 4 weeks (get paid on Thursday)
• fish out of freezer for tea tonight (per meal planner)
• go for a run at lunch time (free exercise)
• [STRIKE]bring lunch to work[/STRIKE]
• make HM rolls tonight
• do some tidying tonight

That's it for me, have a great Tuesday everyone x

WelshWoofer

Morning ladies!
Exciting bike news! Have a good time Josie!
Hope work isn't too bad for Stitching and Determined?

Today is another day at home trying to fill my time without spending anything/much.
So I will....

• Walk dog for free exercise, done 1 already
• Tidy kitchen
• Sort out handbag mountain - didn't manage this yesterday
• Do at least 2 hours school work
• Put bins out
• Check banks - not good
• Check quidco
• Do any surveys that come
• All food from stores
• Try to have a LSD if not a NSD
• Put dry washing away
• Look at recipe book to see if there's anything yummy to make using stuff we have in
• Found a crop of blackberries whilst walking dog - go and pick them if the rain holds off;)
• Sent OH a llink to look at in work for a short break in the lakes instead of going to West Wales later this month - the hotel is much cheaper, petrol will be at least half and we can take the dog (and I've never been!)
• Do some shredding
• Look at PPI reclaiming again
• Maybe tidy out part of a wardrobe and make a charity pile and bin pile

That's all for now. Have a good day!

Beencounting

Morning!

Wasn't able to post yesterday, but managed a couple of things:

Checked bank
NSD - yay!
Shared a lift into work with OH
HM lunch at work
Dinner from stores
HC @ 30 & line dried

Hoping to do some extras today, so will be back later with today's list.

Been

LuckyBiscuit

Morning all, Feeling like i need to get a grip this morning, So here's my list!!!

Tidy cushions on sofas
Remove clutter items
polish front rooms
hoover front rooms and dining area
wash up
remove clutter items
clean kitchen sides
sweep & clean kitchen floor
de-clutter hall
hoover hall
clean toilet & sink
Hoover toilet floor
Clean Front door glass
take washing off of airer
re make DD bed
re make my bed

Wow im exshasted writing it all, and i kept adding bits LOL!!!!
Oh when i say de-clutter items, i mean removing the items that get left lying around like books, journals etc.
Ill be really proud of myself if i get all that done.

Will just finish my cup of tea, then GO....................

Love to all

redsam

Morning All

have done already
- fed friends cats
- fed and water chickens - treated them with Fat Hen and Swiss Chard
-fed wild birds
-gym CV and weights for 1hr
-posted ebay item

to do
-pressure wash steps,walls and decking in garden
-carefully opick up hedges trimmings around the beehive
-defrost fish for tonight
-order meat eal as forgot to do yesterday
-hoovering upstairs
-stuff to go in roof for storage
-sort a few more things for carboot.

and finaly stand on the scales if i have the courage, havent dont for 2 weeks!

Have a fun day y'all.

OliveOyl_2

oooooooooh a bike I last rode my bike when 7 months pregnant and DS2 is now 21 :rotfl: I think I'd be too scared to get back on now

Morning All :hello:

I had a lovely lie in this morning and feel really refreshed. I'm still bored though :rotfl: Although I have knitting to do I sleep so badly if I don't do something more physical, but with a maid, and gardeners and a tight budget this month I'm BORED :rotfl::rotfl: (please let me explain the maid (the gardeners are part of our rent) if I don't have a maid a family loses it's main income. £15 per day 2 days a week is not a great deal to us, but does support a whole family. We have to try and make work for her though as we're not messy :rotfl:) So I've been entertaining myself doing home beauty treatments and exercise DVD's.........

So today I have/will

• Argued with the RAC and MBNA over some non-existent car insurance which we've paid for but no-one can find the money. :mad:
• 2 x 15 mins on the cross trainer (1 done)
• banking.....still tight this month if we're to avoid debt.
• cook meal from menu plan - Salmon Teriyaki & noodles
• knit more of Sis's shrug. I'm worried she won't like the gorgeous deep red colour - not a colour she wears usually :undecided
• catch up on correspondence
• make some notes re my writing - I'll keep including that until I actually DO something!
• read the papers on-line

Have a great day everybody :A

Wannabe01

Good Morning Everyone. Hope all is well

Exciting news about your bike Josie.

I’m still in a lot of pain with sunburn. Had a long lie this morning but I think I needed it.

My list for today is:

• Tidy office and desk
• Catch up with ebay - done
• Catch up with Facebook- done
• Sort paperwork for Music Magpie
• Catch up with laundry
• Check old email account
• Check mystery shopping account
• Catch up with ironing
• Sort pictures for ebay and list all items - Finished sorting the pictures
• Catch up with emails - done
• Check onepoll - done
• Complete copywriting work - done
• Quick shower - done
• Sort Paypal account
• Make hairdresser appointment - done
• Check status of party plan order - done
• Make a start on Xmas list - done
• Sort through paperwork and schedule any work that needs done
• Schedule goals for August
• NSD - done Not going out of the house today therefore no way to spend money.
• All Meals from stores - done

I think that’s everything I need to do today. Only a short list from me today.

Oh well I am going to get a cold drink and then I will get started.