Saturday/Sunday 13th/14th November - what small DFW things will you do 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.

Good weekend everyone :T hope you all have the wkend off just waiting for the coffee to perculate So I appointed someone yesterday :j so that means finally we are fully staffed! (after almost a year, at one point there was only me and another member of staff who works 26 hours to cover a 8-8 seven day service ) Anyway the dark times are over!!!!





This weekend:

• check banking done
• shift some funds around done
• make the banana cake
• make hm bread x 2 and freeze one (was really bad bought lunch out 3 times this week)
• going to Halifax at 12 to get oh's & the joint account switched over to the rewards account opened joint, or at least applied. Credit check got "referred" have to wait until Mon to find out if we're accepted...
• hopefully win the shower cap on ebay (xmas gift for friend) £5.20
• do an hour of work after I've had a couple of cups of coffee done 1 1/2
• work out meal plan for the next week - the monthly shopping is going strong but need to get some fruit & veg for next week
• try not to spend much money... 50p on seletape & £4 on gift
• bought xmas gift using £5 bodyshop voucher
• wrapped all but 1 xmas presents purchased . Now just have ds, fil & ex-mil to get :cool:
• vacuumed hallway
• clean bathroom

ok that's me, have a great day everyone x

Lottebear

Good Morning, I am lying in bed on the lap top

- [STRIKE]Off in to town, I have 2 more Chirstmas gifts to get 3 in total left to buy, so I am doing well.[/STRIKE] - Done but left my Nectar card at home so I need to dig it out and get the points added.

- Gym Visit, I think this afternoon

[STRIKE]- My back and shoulder is sore so I will book a masssge at a little Thai place up the road.[/STRIKE] - Done, was painful but now I feel better.
- Store cupboard food, MR T is coming today to top up the supplies.
- OH is finally sort of getting this MSE lark and suggested a meal plan, so we will sit down tomorrow and plan the week
[STRIKE]
- The floors to wash
[/STRIKE]
- 1 load of washing to do

Erme

Well good morning folks...some eejit :thud: was up again @ 5am...this must not be allowed to continue because it's not healthy only having 6 hours sleep :eek:

The following does not include nap time which may happen sooner rather than later


AM
• Check message boards
• Tidy Hall and do washing up
• sort out washing
• Put bins out
• Recycle
• Write New Year Card List
• Make EME a with sympathy card



• LUNCHTIME


• AFTERNOON

• Letter writing - C; Re;
• New Year Cards; Get Well card etc
• Starbucks?

• EVENING
• Prepare for Sabbath (aiming to be internet free this week)

• Pills no later than 9.30pm preferably 9pm


Put the storage heater up last night which has helped and now the lounge is a nice 20c...:j...so nice and warm.....Must remember to check weather forecast before bed to see if the storage heater needs to go down or not and adjust accordingly...Must make it part of my nightly routine after quiet time :money: just to avoid having to use the fan heater :T...

Anyhow tis all my news....little time to go into chat/FB now before starting on this washing up (there's loads )

E

redsam

morning

a full on rubbish week, done for speeding, got a letter saying last paycheck i was over paid and then a letter telling me i dont qualify for JSA as alegedy didnt pay enough National Insurance, which obviously i am going to challange!

-find payslips and P60s to challenge letter about JSA
-help friend take old carpet to tip
-stew for dinner (make last night)
-allotment; chickens, wild birds, get some wood from greenhouse for heating at home
-washing and washing up
-tidy house
-write job application
-check online banking
-look for cheap candle moulds, so I can make use of the wax from our beehive, for presents

Pippilongstocking

Hello chaps

Today -

bank
dig out the thing to make me register again for my lloyds account - deleted the number when I cleared my history - I know it begins with a 6 lol
see if they can fix my water
erme good idea re storage heaters! I'm going to borrow that one
continue to put up more HM blinds from fleece under hte curtains on the windows - I've a nice 'throw' pinned over the bathroom window and it looks quite nice
do some work
get more manure from the local place if I'm driving past
blog/diary - update those and read up on a few more planty blogs to get some good ideas
Make chilli jam with reduced apples and my chillis
Phone grannie to wish her happy birthday
Bit of gardening
charge the camera battery up and get out and take a few pics for the challenge on the diary thread
feed hens
collect eggs
might get some seaweed from the shore for the veggie garden
walk doggie locally
try and sort out how we're going to aberdeen next weekend for dd to see paramore - not very mse but she saved up herself

I hope you're all well, I'm a bit up and down with going back to work and not finding it easy - trying to be around more!

seasideDreamer

**Ring up Santander about my bank account again! They have double debited me and assured me the cash would be back today...its not :mad: So I'm left with a fiver in my account now:(
**Write said bank a complaint letter over sending me on a wild goose chase over said money
** Job applications
**Pop to town and get a few more presents...through this may have to depend on the bank account and what I have in my purse

Pippilongstocking

Put on my diary but might be worth a look for any of you

There is a sale weekend on for approved foods for normal people (non-highland) delivery this weekend is half price - I can't use them as delivery is too high but maybe worth a look for anyone else?

http://www.approvedfood.co.uk/

La_escocesa

Morning everyone :wave:

My main aim for the day is not to get too down about living in this tiny flat. Cannot wait to have some space. Going to make a concerted effort today to get the place tidy - makes me feel a bit better about it at least - and not going to mope around... Difficult because we need to sell the place but to live here in the meantime we need things that make it look crammed full (like a new computer desk before OH damages his back from sitting on an uncomfortable stool for hours a day and slow cookers coming out our ears, which take up the entire worktop space but give us cheap tasty meals...)

Determined - glad you appointed someone else to ease the pressure on the rest of the team. :T

Pippi - hello there! :wave: Hoping you get back into the swing of working again soon. Tell me more about these curtains - I've been thinking about lining my living room ones somehow...

Lotte - I love it that your OH is getting into the mse way! Result!

Big waves to everyone else :wave: Oh seasideDreamer - :mad: to santander!!

Today:

• wash the dishes
• sort laundry
• put clothes away
• take rubbish and recycling downstairs
• sort online shop
• reply to gumtree ad re new chair
• quick shower early - tend to put things off if I sit in my jammies y'see
• nip to corner shop to buy stuff to make brekkie - walk past the sandwich shop, walk past the sandwich shop...
• in laws for tea tonight - always tasty and I know 'chef' has been watching Masterchef
• phone using free mins

Catch up with everyone later today

xxx

catmiaow

Hello all,

My list

Have to collect a SD item from PO as they are thick and did not re deliver it as requested grr
Check bank
Email people back
Do some comps
Use free mins and texts
Shower
Practise my dance routine
Watch some DVD's while OH is out!

No spend day!!

Hope everyone has a good day!

PurpleFairy26

Morning all Crazy, crazy week at work, not managed to get on at all, although I did read the thread a couple of days when I could which kept me inspired List for the weekend:

Do some searching on line for a few christmas pressies, only need a couple more and would like to get sorted.
Dig out left over cards from last year and write these before I buy anymore
Print labels for above cards
day in, so NSD for me.
Food from stores
meal plan to do for next week, hopefully should be a small shop, overspent a bit on last months groceries, trying to claw it back.;)
loads and loads of washing, dry naturally inside, 3 loads done, just about to put the fourth one on...must remember to do some in the week,don't want to spend every saturday doing this Plus house looks like a linen factory :rotfl:
send back application for new 0% card, was hoping to be DF by the time the current one expired, but, due to a decision we made earlier in the year about DH hours, this isn't quiet going to happen. Have small amount to shift, must organise.

Hope you all have a lovely weekend, good to 'see' you all :j

Pippilongstocking

La_escocesa wrote: »

Morning everyone :wave:

My main aim for the day is not to get too down about living in this tiny flat. Cannot wait to have some space. Going to make a concerted effort today to get the place tidy - makes me feel a bit better about it at least - and not going to mope around... Difficult because we need to sell the place but to live here in the meantime we need things that make it look crammed full (like a new computer desk before OH damages his back from sitting on an uncomfortable stool for hours a day and slow cookers coming out our ears, which take up the entire worktop space but give us cheap tasty meals...)

Determined - glad you appointed someone else to ease the pressure on the rest of the team. :T

Pippi - hello there! :wave: Hoping you get back into the swing of working again soon. Tell me more about these curtains - I've been thinking about lining my living room ones somehow...

Lotte - I love it that your OH is getting into the mse way! Result!

Big waves to everyone else :wave: Oh seasideDreamer - :mad: to santander!!

Today:

• wash the dishes
• sort laundry
• put clothes away
• take rubbish and recycling downstairs
• sort online shop
• reply to gumtree ad re new chair
• quick shower early - tend to put things off if I sit in my jammies y'see
• nip to corner shop to buy stuff to make brekkie - walk past the sandwich shop, walk past the sandwich shop...
• in laws for tea tonight - always tasty and I know 'chef' has been watching Masterchef
• phone using free mins

Catch up with everyone later today

xxx

La E - hello - I hope you feel better soon!

Fleece curtains -- cheap fleece - cut to size of your curtains then either tack or safety pin to the inside of your own curtains - bobs your uncle - do to suit your level of laziness.......

OR - the other way I'm doing it is by making blinds
- I've got two bamboo canes just a bit wider than the glass
- a piece of fleece cut to exactly the size of the window frame (by the glass bit) and about an inch to an inch and a half longer than the whole window
- then I wrap the fleece edge about half an inch or so around the bamboo cane twice like a sausage and then tack the fleece around the bamboo pole - both ends
- then use two cup hooks and put the bamboo cane up directly at the window (only works if you have wooden inside the window frame - if not do it outside the whole window where you can attach it.
- cost not alot - very effective

I've no fire issue in my home, so I'm happy with fleece right at and cvoering the windows - acts as a buffer for the cold.

I was going to blog it - so if it doesn't make sense I'll take pictures and stick it up on my bloggington (I don't make any money from it so I'm happy to mention it I hope thats in the rules?)

The other thing I've done is pinned up a few nice throws at the smaller windows (in the loo) etc where I don't miss the daylight and it keeps it snuggly and warm - again very lazy - find throw/blanket right size for the window or a bit bigger - pin up with drawing pins to secure it. OK its not very homes and gardens but it means the heater won't go on in the tiny loo all winter :rotfl:

I've also baracaded one of the outside doors with a wardrobe with a big duvet by the door frame - stops the kids using two doors in the winter - and makes the house a bit cosier. Again as its at the back of the house - not a fire risk (?) - its at the opposite end to everything else and generally locked anyway. But the duvet has stopped the draughts and the door has glass so the wardrobe is covering that and making it cosier.

Goodluck!