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Sat/Sun 18th & 19th Dec 2010 - What small DFW things will you be doing today?
 
            
                
                    Erme                
                
                    Posts: 3,597 Forumite
         
             
         
         
             
         
         
             
         
         
             
                         
            
                        
             
         
         
             
         
         
             
         
                    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 all. Ciamar a tha sibh?..up at silly o'clock (it's just too tempting to get up @ 4 when everything is quiet - even though too many days of it and I get sick ). Got a  little done yesterday and bought Mung Dahl from the cheap asian shop for just over £3.50 or something so that should last a wee while :J
). Got a  little done yesterday and bought Mung Dahl from the cheap asian shop for just over £3.50 or something so that should last a wee while :J
Off to blitz this lift this am.......I don't think the laundry room opens till about 7 so won't be able to blitz the lobby till then but once I'm dry from my shower aiming to thoroughly wash the lift down etc. Should be done dv by 6am ....it won't last long with all this snow and ice but if the cleaners can't be bothered to come in then I'll do it ...
You never know it could lead to a wee part time job?
Anyhow burn is looking good (SI did the other week). Very happy I'm self treating with dressings @ 25pea from Mr M that I change when I shower and wash my hair 3x a week. It was a bit flufffy (clinical term) but I soon got that off and it's looking good .. Yay dressings are cheaper than docs and checking it (and less hassle in this weather) cos I'd be @ the docs x2 a week right and there's a starbucks right round the corner from there so 2x75p = £1.50 a week where as dressings = 75p a week ..Only snag - have lost 14 AD's so pray I find them
Also done over 6" of no. 2 sock - yay and someone off the frugal board has helped me out with the SSK ....
Hope everyone is well
Here is my agenda for today ..... I also did half an hour's gaelic on the BBC Alba site last night but was too brain frazzled to read any Boston (as in Thomas Boston the puritan) so like will have to get that done today. Really enjoying the Gaelic on the BBC Alba site and best of all IT'S FREE :t (Se. Is mise Erme. Tapadh sibh)
..... I also did half an hour's gaelic on the BBC Alba site last night but was too brain frazzled to read any Boston (as in Thomas Boston the puritan) so like will have to get that done today. Really enjoying the Gaelic on the BBC Alba site and best of all IT'S FREE :t (Se. Is mise Erme. Tapadh sibh)
Sat
AM
• Wash up
• Sort washing
• Ironing
• Recycling
• LUNCHTIME
• AFTERNOON
• Mark @ D
• EVENING
• Prepare for Sabbath (aiming to be internet free this week)
• Pills no later than 9.30pm preferably 9pm
Mar sin leibh
E
                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 all. Ciamar a tha sibh?..up at silly o'clock (it's just too tempting to get up @ 4 when everything is quiet - even though too many days of it and I get sick
 ). Got a  little done yesterday and bought Mung Dahl from the cheap asian shop for just over £3.50 or something so that should last a wee while :J
). Got a  little done yesterday and bought Mung Dahl from the cheap asian shop for just over £3.50 or something so that should last a wee while :JOff to blitz this lift this am.......I don't think the laundry room opens till about 7 so won't be able to blitz the lobby till then but once I'm dry from my shower aiming to thoroughly wash the lift down etc. Should be done dv by 6am ....it won't last long with all this snow and ice but if the cleaners can't be bothered to come in then I'll do it ...
You never know it could lead to a wee part time job?
Anyhow burn is looking good (SI did the other week). Very happy I'm self treating with dressings @ 25pea from Mr M that I change when I shower and wash my hair 3x a week. It was a bit flufffy (clinical term) but I soon got that off and it's looking good .. Yay dressings are cheaper than docs and checking it (and less hassle in this weather) cos I'd be @ the docs x2 a week right and there's a starbucks right round the corner from there so 2x75p = £1.50 a week where as dressings = 75p a week ..Only snag - have lost 14 AD's so pray I find them
Also done over 6" of no. 2 sock - yay and someone off the frugal board has helped me out with the SSK ....
Hope everyone is well
Here is my agenda for today
 ..... I also did half an hour's gaelic on the BBC Alba site last night but was too brain frazzled to read any Boston (as in Thomas Boston the puritan) so like will have to get that done today. Really enjoying the Gaelic on the BBC Alba site and best of all IT'S FREE :t (Se. Is mise Erme. Tapadh sibh)
..... I also did half an hour's gaelic on the BBC Alba site last night but was too brain frazzled to read any Boston (as in Thomas Boston the puritan) so like will have to get that done today. Really enjoying the Gaelic on the BBC Alba site and best of all IT'S FREE :t (Se. Is mise Erme. Tapadh sibh)Sat
AM
• Wash up
• Sort washing
• Ironing
• Recycling
• LUNCHTIME
• AFTERNOON
• Mark @ D
• EVENING
• Prepare for Sabbath (aiming to be internet free this week)
• Pills no later than 9.30pm preferably 9pm
Mar sin leibh

E
:dance:
I believe in the power of PAD
Come and join us on the Payment a Day thread
:dance:
I believe in the power of PAD
Come and join us on the Payment a Day thread
:dance:
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            Comments
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            Morning Erme - wow you're up early
 I am too (writing)
 Today
 work hard
 hc up in the house
 walk in the snow - can't get out by car - will plod up the track by foot
 feed hens some warm grub
 Make scones with sour milk from the freezer later (they rise better)
 Made a stick tree upstairs yesterday in the living room - need to decorate more of the house
 something out for tea
 clean oven with washing powder and let it sit for a while
 tidy the house
 do more of the table then varnish it
 bank to check
 pad if possible
 collect eggs and clean out the hens
 have a bonfire with the rubbish
 Hope you're all good today - listening to the radio it sounds like more of you might be having snow...........keep warmTotal debt 26/4/18 <£1925 we were getting there. :beer:
 Total debt as of 28/4/19 £7867.38:eek:
 minus 112.06 = £7755.32:money:
 :money:Sleeves up folks.:money:0
- 
            hey pippi can you give me the recipe for the scones? I have some milk that has turned thanks! thanks!
 Morning :wave: OMG its a week till xmas :j can't believe it - you wouldn't even know it if you came to our house musat make more of an effort today! musat make more of an effort today!
 Yay its the weekend :j:j:j
 what I will do this weekend:- check banking, still broke :rotfl:(can't wait till payday!)
- tidy up kitchen, clean bathroom & hallway
- make scones to use up milk
- make bread x2
- make butternut squash soup for lunches next week
- get mince out of freezer for mousakka tonight to use up aubergine
- go for a run
- go & buy generic flu needs, fruit juice and a couple of other bits for dd - she woke me up at 6 this morning calling as she's not well- and go & visit her
- find stereo for dds birthday & card
- make cake for dds birthday on Monday
- make fairy cakes for pack lunches next week
- scrabble with oh later
- investigate if my windscreen wipers are b*ggered and if they are not work out the most frugal way to replace (any ideas josie if ur lurking?)
- read papers for free online
- take some things in the garage to the tip, list some on freecycle and maybe some on ebay?
- do a couple of hour work to prepare for the session on Monday and catch up with a couple of bits after 2 days of training
- ring friend and ask her to come over for coffee rather than going out
 DF as at 30/12/16
 Wombling 2025: £87.12
 NSD March: YTD: 35
 Grocery spend challenge March £253.38/£285 £20/£70 Eating out
 GC annual £449.80/£4500
 Eating out budget: £55/£420
 Extra cash earned 2025: £1950
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            For me this weekend -
 - Daily clicks
 - Food from freezer to use up what portions are in there before heading to mums for Christmas on Tues
 - Await last 2 parcels and hope they arrive soon 
 - Should only need to pop to shop for milk as enough food in to last til Tues 
 - tv/film tonight, not going out and works doo's are all over with
 - finished Christmas shopping but saw a cardigan in Primark yesterday that will look lovely on bf. Said £10 on the label but scanned at the till for £6 love it when that happens lol love it when that happens lol
 have a gret weekend everybody :beer:#39 - Save £12k in 20250
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            Today I will
 - Cleaning the house:A
 - Washing in will dry in airer as the heating is on
 - Supposed to be off to Work Chirstmas party tonight in Central London, hope I can get there.
 - Gym Visit once I have got a bit more done:A
 - Need to get some toothpaste so will stop at easiest shop as is cold and icy out there.
 - :mad:Concerned about house purchase as buliding regs have not been consulted about some of the alterations done, mortgage company is considering their offer! - I it was supposed to be going through on Monday am:mad::mad:0
- 
            Good morning everyone. It's definately white outside! I'm at DD's having a "Grandma Day" and I'm glad I came over last night. She woke me at 6.15am to look at the snow - she's worse than DGD, who didn't want to look out of the window.
 Pippi and DNMS - I made butter earlier this year and of course the by-product is buttermilk, which I used to make scones. They were the best I've ever made, but also I could proudly say they were HM scones with HM butter and HM strawberry jam 
 A quiet Saturday will be followed by a manic Sunday. So far I have:- finished a sock monkey to post to a friend's daughter
- checked banking - not too bad but still two bills to pay
 - wrap up and post sock monkey
- walk down to village shop for milk and bread rather than taking the car
- wash my hair here and use DD's hot water and shampoo  
- DD getting a couple of bits from Mr T with her shopping to save me an extra trip
- knit more of DGS Christmas present
 - clean out chickens
- make sausage rolls with HM rough puff pastry and freeze them
- make more vanille kipferln and HIDE them this time
- make DD's last 2 presents and work out how to wrap them
- make 2x gift hampers of HM goodies
- start to do the pre-christmas clean (DH wants to shampoo the carpets on Monday!)
- finish DGS present and start knitting DGD's - did I say I was a little behind with these?
- re-jig my budget now WTCs are being paid :j
- have an NSD
 Making magic with fabricLight travels faster than sound. This is why some people appear bright until you hear them speak.0
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            DNM
 HM scones
 2 cups sr flour
 3/4 cup milk (sour is best but normal milk fine, butter milk brilliant ) )
 2 tbsp sugar
 1 pinch salt
 1 oz butter/marg
 oven hot - 200oc
 Oven on
 Mix flour and butter - rub in and make breadcrumb texture
 add salt sugar
 mix in milk with a knife (minimal mixing)
 Turn out the very soft dough out onto a floured table and turn over once to cover in flour - if mix is a bit sticky - toss over a couple times to cover in flour
 gently cut out shapes about 12
 (more you work the dough the tougher the scone - so minimal touching - like its toxic or something yuk on your fingers)
 onto a floured tray
 give a milk/egg topping if you want to have shiny top (I don't bother)
 oven for no more than 12 mins
 (check middle scone by opening it up - wrench it apart don't cut it - if it look
 (check middle scone by opening it up - wrench it apart don't cut it)
 cooked take them out if doughy another minute or two)
 Onto a baking rack
 into a basket or into plate cover with a tea towel to keep soft and serve
 Don't keep more than a day really and you can add sultanas during the dry mix stage (after the breadcrumb bit) but they are evil so why would you commit that crime?Total debt 26/4/18 <£1925 we were getting there. :beer:
 Total debt as of 28/4/19 £7867.38:eek:
 minus 112.06 = £7755.32:money:
 :money:Sleeves up folks.:money:0
- 
            I've just cleaned the lifts and like the lobby floor (don't think they'll stay clean for long) and had smears all over the metal lift (any frugal ideas for that?) but at least they're done...No cleaners yesterday so had to be done.... Also didn't get the water hot enough from the laundrette so like I pray the floors on the lobby drys quick enough so no one slips cos I had no signs (being an unofficial cleaner)...Should have done it at 7 but I didn't start it till 8.30 and it took me an hour :eek:......Just two wee lifts and a lobby floor 
 Anyhow at least it's done now...so just had breakfast and now time for morning espresso...Ciamar a tha sibh? (go to the bbc alba site for a translation - unit 1)...
 Mar sin leibh.....(again that's gaelic ) )
 E:dance:
 I believe in the power of PAD
 Come and join us on the Payment a Day thread
 :dance:
 0
- 
            Morning Peeps,
 Won't be posting a list today as it is my work's Xmas party in Windsor tonight...will try to be good but might not get away with a NSD so will be a LSD.
 Will catch up on the thread when I get back (staying over night at bosses house) Hubby will pick me up tomorrow.
 Candy xxxDebts at the start of my journey - about £23,000 lightbulb moment 01.03.2007 (1st payment to CCCS)..Debt Free Date 25.06.2013 Deposit savings £17,000/£30,0000
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            Erme Halò, Ciamar a tha thu? Tha mi a' fuireach ann an Alba, co às a tha thu/sibh?Total debt 26/4/18 <£1925 we were getting there. :beer:
 Total debt as of 28/4/19 £7867.38:eek:
 minus 112.06 = £7755.32:money:
 :money:Sleeves up folks.:money:0
- 
            Hello all,
 My plan for today is:
 Check bank - poor can't wait until pay day on 24th!
 Reply to emails
 Done loads of comps
 Check on freebies
 Completed non delivery survey - OH posted my test letter this morning
 Check washing hanging to dry
 Tidy after cats
 Use free mins and texts
 General tidy up
 Read module book
 Hope everyone has a good day!No you're not a vegetarian if you eat any animal or fish, so do not insult genuine veggies by calling yourself one! :mad:
 Thanks to everyone who posts competitions. You are the stars of the board :T:j:T0
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