Wednesday 20th October - What small DFW things will you be doing today?!

determined_new_ms

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 everyone :wave: wow slept like a log last night after the previous nights lack of sleep! :cool:

Ok today's list (must do better than yesterday )

• [STRIKE]check banking[/STRIKE] payday :j
• [STRIKE]paid loan[/STRIKE] check out my loan figure :T (although I haven't added this & last month's interest, will phone up on 26th to find out how much interest I've been charged for my total figure )
• lunch from stores
• out for dinner with friend
• drive carefully to & from work
• [STRIKE]read Martin's email[/STRIKE]
• charge phones at work
• get cake cases & make cupcakes
• go through fridge later & work out what needs to be used up
• pay money into bank

Pippi (or anyone who can answer this question) - can I freeze tyme & rosemary? I bought some fresh for the meal at the weekend but didn't need it all!

Thanks! & have a great day everyone x

lonestarsky

Morning determined new ms (and everyone else :wave: )

Up early today as gave OH lift to work - car had frost on it this morning for the first time this autumn, car temp gauge was 2.5 degrees with a wee snowflake next to it! :eek: Noooo!!!! Work is gonna be cold - I work in a portakabin in a field in the middle of nowhere, and its cold on even a warm day. Best take plenty layers with me :T










Today's list:

• [STRIKE] Exercise DVD[/STRIKE] (A great way to warm up, much cheaper than putting storage heaters on!)
• Lunch from storecupboard
• [STRIKE] Petrol for car - budget allows for £20 and no more![/STRIKE]
• [STRIKE] Shopping - stick to list as only £15 left for groceries this week[/STRIKE] (I was good - the only non-list items I bought were reduced price organic satsumas and mushrooms)
• [STRIKE] Pay off balance on store card (only £30, and I'm paying it off straight away, yay! Then going to use my 20% off welcome voucher before cancelling card)[/STRIKE]
• Dinner mainly from whats in fridge, just need veggie sausages to complete it
• [STRIKE] Check internet banking and make sure budget is on track[/STRIKE]
• Take £40 from bank for dentist tomorrow morning :mad:
• [STRIKE] Pay £15 to cc[/STRIKE]
• Post ebay parcels
• [STRIKE] Pick up parcel from delivery office[/STRIKE] (My 99p rucksack fom ebay :T )
• Count out money tins this evening (holiday money, yay :beer: )
• Check for surveys
• Finish library book as its due back tomorrow!
• [STRIKE]
• Order stuff from so organic today cos they're offering a free organic lotion with every order for today only, plus I'll get 10% cashback through t*pcashback [/STRIKE] :T

I think thats largely it for today but may add to it once I'm more awake and have a better idea of what I'm doing! Have a good Wednesday everyone x

determined_new_ms

brrrrr lonestarsky! better take a hot water bottle & some thermals with you today! I'm determined not to put the heating on until November, but its realy challenging right now!

PerfectPeaches

Morning all

Thanks for starting the thread DNM

Yet again an awful night sleep and an early morning as OH seems to hog the duvet meaning I am left in the cold (heating is barely on at the moment and never during the morning).

So my list for today:

• [STRIKE]Check cats[/STRIKE] All ok apart from an accident on the floor :mad:
  
• Do washing up
• Put last load of laundry away
• Do labels for OH
• Write 2 reviews
• Lunch and dinner from kitchen supplies - Pork steaks tonight yum!
  
• Ask OH to go get the parcel from the RM sorting office on his way to work
• Try to find a manual for the heating/ hot water - the safe place is far too safe!
• OH to ring cattery
• [STRIKE]Check emails for surveys[/STRIKE] Nothing
  
• Give Ruby her tablet
• Try to find Lola's vaccination card as it has mysteriously disappeared

Think that is it for me so far.

Hope everyone has a good day.

Peaches x

josiebabie

:j66 days til Christmas!!!:j

Don't mean to depress you all but I've started my Christmas countdown. LOL. Took DD to the fair last night, her first year of being able to go on rides - cost me a lot of money but she loved it

Here is my list today:-
- Slightly shorted journey to work as don't have to drop DD at nursery.
- Snacks from stores
- Lil sister's christmas present should arrive today
- Check banking
- So some onepoll? Been really bored at work and need to get back into this.
- Check paypal, did a pinecone survey last night
- Sell a purge? Should be able to do one today
- Mince out the freezer for DDDDD-DM to make me yummy cottage pie for tea! :T

Jx

determined_new_ms

PerfectPeaches wrote: »

Morning all

Thanks for starting the thread DNM

Yet again an awful night sleep and an early morning as OH seems to hog the duvet meaning I am left in the cold (heating is barely on at the moment and never during the morning).

Peaches x

:rotfl:sorry peaches I couldn't help but laugh! My oh is a terribly light sleeper, and I sleep like a log and do lots of weird things in my sleep (I have this one trick where I hook the duvet between my legs & twist, he's got so good at this one that when I raise my legs to do it he wakes up and grabs the duvet to stop me :rotfl:) but I've recently developed a new idiosyncracy where in the middle of the night I have this complussion to put my toes on the underneath of his foot, I do it incessantly. It jolts him awake while I'm obilivous and then spends ages trying to twist into a position where I can't reach his foot :rotfl::rotfl::rotfl:

Candy0107

Morning All,

Thanks for starting the thread DNM
Lonestarsky – guess winter is well on its way

Hello to those who have posted before and will post after me

Today I have/will
• Checked online banking
• Check emails and do any surveys if available
• Breakfast, lunch and dinner from store cupboards
• Home made filter coffee for the journey to work
• Used my rail pass to get to work
• Have an NSD – forgot my purse today
• Buy Mum a birthday card (ask hubby to pay as he was able to afford an I-Phone off eBay….went to bed saying v little to him last night)
• Fill in my WW online food diary
• Need to drink at least 2 glasses of water at work this morning, and 2 in the afternoon
• Need to look for MS jobs
• Need to catch up with friends on FB rather than texting people
• Read newspaper online and get the free newspaper at the station
• Need to check out the freebies board
• Enter comps online
• Washing on a quick wash 30 degrees
• Need to look at a high interest savings account – my one matures in November…didn’t do this yesterday
• Might be able to sneak out a coffee for the train home (save me buying one)
• Need to put the heating on low in our room – woke up frozen this morning and have just warmed up as the heating is on in our office and it is almost tropical
• Need to catch up on this thread


Take care everyone and have a great day, hugs to those that need them

Candy xxx

Erme

No kindle alas yesterday so got £27 in vouchers and credit on card (£20 in amazon vouchers which is not valid on kindle stuff cos like kindle stuff can only be ordered using 1-click :thud:) cos I got so stressed out

Currently the situ is that is it is local but not on the delivery van.

Yesterday I put some books into BE (cos I was in the mood) - amazing what books I found and downloaded some others for kindle and downloaded Calibre which apparently is a must have for reading e-books or if you have any form of e-books (and it's FREE :j) so that was good....

Alas coffee cost me £1 cos the coffee machine at BE still isn't working so had to go downstairs (instead of 80p) but hey ho..at least I got tea and evening routine done (bar bible reading)

? KINDLE DAY ?

AM

• Sort out bedroom & Hall
• Sort out coffee table
• Hoover

PM

• Little ironing if have time
• ?Go out for kindle if not on van

Eve

• Get cream and make cake for Friday
• Tea (mince and tatties )
  
• Evening routine (including calibre)

savingforarainyday

Morning Everyone.:j


Lovely Crisp Morning Here

Washing to go out on line Done
Sweep up leaves in Garden and hose down patio (2 dogs now!!:eek:)
Finish Putting paperwork together for dh's losses from my accident, even though he wasn't there, this has been really complicated:o)

Ring round clients Done
Ring physio for ds, appointment letter finally arrived:j
Lunch hm parsnip and bacon soup
Prep rest of veg for storage
Chase husbands new boots........ (in case you are wondering they still haven't been delivered) Done
Feed SIL's cats while she is in france
Leave dinner for dh and ds, tuna pasta bake all they have to do is nuke it then

Guiding 100 year celebration this evening, it is at our local football ground, so I am going a bit early to avoid the traffic on the billy bus.

Thats it for today:D

PerfectPeaches

determined_new_ms wrote: »

:rotfl:sorry peaches I couldn't help but laugh! My oh is a terribly light sleeper, and I sleep like a log and do lots of weird things in my sleep (I have this one trick where I hook the duvet between my legs & twist, he's got so good at this one that when I raise my legs to do it he wakes up and grabs the duvet to stop me :rotfl:) but I've recently developed a new idiosyncracy where in the middle of the night I have this complussion to put my toes on the underneath of his foot, I do it incessantly. It jolts him awake while I'm obilivous and then spends ages trying to twist into a position where I can't reach his foot :rotfl::rotfl::rotfl:

I'm normally such a heavy sleeper that these things wouldn't bother me but now at 37 weeks pregnant it seems that the slightest thing will wake me up! It is so damn annoying!! Somehow I think my heavy sleep nights are long gone!!

KingElvis

My usual shizzle, walked into work (this does save me 5 x £4.70 per week though)

We have packets of biscuits for delegates at our company which are thrown out while still a week in date, not any more LOL

Last night they'd marked all the fresh meat down in Sainsburys to 30p so my freezer is now full.

Will walk again tonight to get home. Another spend free day

Elvis