Tues 6th Sept what small DFW things will you be doing?

ixia

• 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.:D

Morning everyone hope you all have a lovely day!

Today's list:

• check banking/ emails
• car share to work
• all meals from stores
• try to have a NSD
• sort through paperwork later
• do an ironing
• scrub the bathroom
• go to bank

Have an mse day everyone

kjp

Morning all!

Thanks for starting the thread, Ixia!

Today I will:
Check banking
[STRIKE]Check TCB[/STRIKE]
Check CC
[STRIKE]Check Ebay[/STRIKE]
Take item back to Next
Finish essay - 500 words to go!
Pack for weekend away (must remember towels!)
[STRIKE]Email people who own the cottage to let them know when we'll be arriving[/STRIKE]
[STRIKE]Email post people re unfranked letter received - humph![/STRIKE]
NSD?
Car share to work
Breakfast and lunch from stores
Book car service and remove money from bank
Work hard
2lts water
Smile lots!:D:D:D

It's absolutely chucking it down here - hopefully this weather will pick up tomorrow!

Have a great day all!

Kx

La_escocesa

Hi guys :wave:

Hope everyone has a lovely rainy day

Stitchy - big :T on paying off the loan!
Tebheag - I hope it works out with your job :grouphug:

Me:

• Submitted overtime form - missed cut off but you never know...
• Rescued a £2 coin from hubby's change
• Lunch to work
• Tea from stores
• Finish off knitting project
• Resisted buying more yarn before my current stash is used up!

Had a bit of a spend yesterday - 2 pairs of shoes - both v needed and one was planned but then I saw a right bargain I couldn't refuse - tkmax specials - £80 walking shoes for £24.99!! (My last pair have lasted since 2005 so I'm happy with £24.99 for the next 6 years ) The other ones were £40, but I figured £65 for both pairs was a good deal

stitching_witch

Good morning all you DFWers. It's a very wet and soggy morning here in wet Wiltshire, but nothing can dampen my mood today. I've just logged onto internet banking and my loan account definately says NIL. I don't know why I thought it would have changed overnight, but I'm glad it hasn't.

So far today:

• HM granola for breakfast
• made DH a packed lunch for work
• checked banking
• checked for surveys
• fed and watered the chickens
• boxed 2x half dozen eggs to sell

I will also:

• got a delivery due at 8am from our local charity furniture warehouse - a beautiful pine shelf for my kitchen. Cheap furniture and helping out a charity too :A
• get a lift to and from work as it's raining VERY hard
• free coffee at work
• get paid for the eggs
• keep an eye on surveys throughout the day
• being treated to coffee at a cafe for lunch, hopefully will extend to a sandwich too
• taking snacks to work
• take something out of freezer for dinner
• rejig budget now there's extra monies available
• have an NSD
• go through my 101 things in 1001 days list to see what I can do this month

That'll do for today I think. Looking forward to my 'Grandma Day' tomorrow.

stitchy x

Candy0107

Morning Gang,

Thanks to Ixia for starting the thread

Stitchy – well done on paying off the loan

Hope everyone else is good – hugs to those that need them

Today and yesterday I have/will:
• Checked online banking – no change
• Had to withdraw £10 out of my account
• LSD – only buying a sandwich as ran out of time this morning
• Breakfast and dinner from storecupboard
• Wait for a phone call about our combo microwave – bought a brand name microwave in July and the oven does not work and it is taking forever to heat a jug of water in microwave mode – no phone call yesterday
• Had a text conversation with my brother regarding my car
• Read freebie paper on the train
• Used railpass to get to work
• Checked quidco
• Read newspapers online
• Need to charge up mobile at work
• Take vits and meds to control hormones
• Update food diary
• Drink plenty of water
• Need to keep an eye out for MS jobs and surveys



Think that is about all, have a great day and sparkle!
Candy xxx

determined_new_ms

morning :wave: thanks for starting us off ixia! Looks like its gonna be a miserable day here too...

2nd day off & am determined not to waste it like yesterday - I started off getting things done, then I laid in bed & watched a film - then I fell asleep for hours!

Good news I found out yesterday our house/flat swap has been approved just need to phone up housing officer today to organise dates to sign paperwork & move :j

Today:

• [STRIKE]checked banking & cc statement[/STRIKE]
• [STRIKE]replied to a couple of emails re xmas tree I posted on freecycle[/STRIKE]
• lady collecting said xmas tree this morning :T
• take measurements of chest of drawers & take a pic & email to person who is interested
• [STRIKE]nip into work (office near home) & update expenses - I forgot to put the cost of my eye test on there - its £20 so worth 15 mins of my time[/STRIKE] too late
  
  Donna
• [STRIKE]drop off circular saw & other bits borrowed from colleague at work [/STRIKE](the decluttering has moved up a gear!)
• phone up & book tickets for comedy night tomorrow ds has decided he wants to go out to the club with his friends rather than out with me & his step dad! shocker!!!! :rotfl: so that's £60 saved :T
  
• get birthday card for ds for tomorrow

[STRIKE]make pavalova for ds for tomorrow
[/STRIKE] its in the oven now!

• [STRIKE]nip to Mr S for chineese takeawy for tonight at his grandmother's - cheaper than takeaway from the chineese & berries for pavalova[/STRIKE]
• go to lidl for shopping - stick to list
• [STRIKE]call HO[/STRIKE]
• [STRIKE]call CB to find out why I got less this month???[/STRIKE]
• call CSA to find out where maint payments are???
• some sort of exercise - not sure if I'll have time for the gym if not wii fit
• drop some stuff off at the CS
• take some to the tip
• sort through a box
• take bottles to the bottle bank

ok this seems like a huge list I need to get a move on! Happy days to you all x

Candy0107

Congrats on the house move Determined.

Candy xxx

Tebheag

Good morning all
Thank you those who gave me hugs (makes me laugh how they look) and wishes
Thanks for starting us of Ixia
Well done Stitching witch on getting rid of such a big loan.

So far today checked for jobs checked bank and checked surveys
As for the job trying to see if at all possible to just take a break and stay at home for a while as costs so much in childcare(roughly £9 a working hour !!!) never mind travel my son starts school next year so make a big diff to childcare as only have one to pay for.
Managed to get to just £150 short so not bad after speaking to bank and finding could be possible to go on to interest only payment. Wish we had stayed on variable would be ok instead paying £250 a month more !!)

Today after checking spreadsheets had forgotten that nursery in arrears and got to give months notice work stopped straight away going to call bank and sort to go on interest only now!
Photograph items to go on ebay and list.
Make spag bol using my own tomatoes any tips only every used tin tomatoes !!
Go to docs today see why i am so tired scared if they question me as so emotional will prob be in tears
Take kids to nursery
Sort heating keeps saying 21 in house but feels colder still keeping heating off
Need to sort scottish power not had info through just paid last bill to edf.
Take kids to nursery
Wash beeding my girl split her bottle all over her cot last night going to be fun drying it as no heating on and raining out side lol

Hope you all have a good day x

shezam

Good morning all,

The weather doesn't know what it wants to do here! Said it would be windy & wet today and at the moment the sun is splitting the skies!

Today:

• Checked banking - no change and no pennies to move to ISA
• Have a LSD, ws hoping for a NSD but desperatly need shopping!
• Drink plenty of free chilled water at work
• Read newpapers onlline
• Have a good and busy day at work
• Not be tempted by all the sweet/cakes at work, failed horribly yesterday and feel like a right bloater today
• Smile

Have a good day everyone!
Sxxx

Wannabe01

Good morning everyone, It’s a nice sunny day here today
ixai – thanks for starting us off this morning.
I am up and about early as it’s my first morning of having to do the school as DH is away to his course.



My list for today:

• Make packed lunch for dh and ds done
• Get ds up and ready for school done
• Take ds to school – walk, as it will save petrol done
• Bath dd done
• Quick shower done
• Strip beds and wash bedding done
• Catch up with emails done
• Check one poll done
• Check pure profile done
• Check pigsback done
• Daily clicks done
• Type of report for client done
• Check items listed yesterday done
• Wait in for the shopping delivery done
• Check online bank done
• All meals from stores done
• Do some of the ironing done
• Clean and tidy the living room and office (this was on my list yesterday but I did not get time to do it)
• Collect ds from school done
• Do some course work and schedule the work that needs done
• Do some of the knitting project
• Make bottles for dd done
• Spend some quality time with dd done

I think that is everything that I need to get done today. Hope everyone has a good Tuesday.

determined_new_ms

Tebheag wrote: »

Make spag bol using my own tomatoes any tips only every used tin tomatoes !!


Hope you all have a good day x

just do it exactly as you would with tinned - chop them up & bung them in with a little water mmmmmm