Sat/Sun 17/18th Sept - What small DFW things will you be doing?!

Pernicious

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 all,

I'm up earlyish for a weekend as I went to bed early - OH has been at work since 6am, hopefully won't be there too long today though.

Pixie - Thanks for sharing your chow mein recipe, sounds nice & easy! Haha aww it's not a commonly used word, which is why I still use it as it's always a name that's rarely taken already, no need for a bazillion numbers afterwards

Today's plan:-

• [STRIKE]Use freebie deodorant[/STRIKE]
• [STRIKE]Charge phone via pc[/STRIKE]
• [STRIKE]Food from stores[/STRIKE]
• [STRIKE]Dinner from meal plan[/STRIKE]
• [STRIKE]Check for surveys[/STRIKE]
• [STRIKE]Enter competitions[/STRIKE]
• Check online banking
• [STRIKE]Check out this week's flylady thread & do something[/STRIKE]
• [STRIKE]Work on some wedding related stuff[/STRIKE]
• Hopefully get some stuff ready for listing on ebay as it is a FREE LISTING WEEKEND
• Washing on eco setting
• Hang up to dry
• [STRIKE]Find my other £10 argos voucher in this pit of a study! If found, go & get shoe rack[/STRIKE]
• Choose new half price glasses - If I go for cheaper contact lenses which I wear less, I will need glasses for the rest of the time, not sure if I'm better off with my contact lenses tbh as I couldn't get on with glasses before - Went & could not find anything to suit me, why is my face so small?!

Have a great, MSE day everyone x

pixiechick99

Morning Perni - look at you here on your own...I shall post my list and join you:p Makes me laugh that you said you like some of the things on my meal plan - they're boring as heck to me, but the girls aren't particularly adventurous (eldest in particular) so we eat the same old few meals week in week out it feels:o

Ok, time to write my list:

• check banking
• check mysurvey
• do P-cone survey that came last night
• amend online shopping that's being delivered tomorrow
• meal from stores tonight - scampi and oven chips for me, girls are eating with their dear father;)
• washing out on line
• list a few bits on ebay
• hoover upstairs
• look for contents insurance thro' Quidco;)

Ok, that's enough for me - have a great day:beer::beer:

stitching_witch

Wow, it's quiet on here today! I'm back to "normal" after a week with an irritated eye. I might actually get something done this weekend

So far:

• ran DW overnight on Economy 7
• ran WM overnight on Economy 7
• careful drive over to DD's as it's a Grandma Day

I will also:

• lunch and snacks from DD's stores
• go to jumble sale later (delivering a corset to a customer but will have a nosey round whilst I'm there)
• finish another corset this afternoon
• dinner from stores
• make damson or Mirabelle jam tonight

I'll post another list tomorrow rather than a weekend list now. It helps me focus a bit better if I do that. Have a good day folks,

stitchy x

Amara

Hello!
Today, I will:
-[STRIKE]go shopping[/STRIKE]
-tank my car
-tidy up my house
-hoover
-[STRIKE]do some washing[/STRIKE]
-[STRIKE]take cans to recycling point [/STRIKE]
-cook a tea
See you soon!

WelshWoofer

Morning all - popped on earlier but there was no one here!
So been out and done a few jobs and come back to see if you're here yet!

• Walk dog done
• Post amazon book done
• Post ebay sale if payment clears not paid yet
• Pick up library book and take others back done
• Pop into the bank to close an account done
• Do the grocery shopping done, spent £22:T
• Park in a side street and avoid car park charges done
• Clean the house (hoover and dust) done
• Clean the wood floors done
• Change the bed
• Wash the bedding and towels done the toweks and underwear
• Look at budget for the month done
• Do some school work (maybe 1-2 hrs)
• Put petrol in done
• Get some cash out for the week done
• Cancel graze box for next week

Been quite productive today so far - lets hope I can keep it up!
Off to my friends later for a catch up so looking forward to that.

Also exOH popped around last night to talk about divorce and we've managed to agree to just go our separate ways financially so that means that the house is safe ( I bought it a long time before we got together) and he keeps his savings towards a new place. He also agreed to accept responsiblity for the breakdown of the marriage so it can go through quicker - no waiting 2 years - a relief all round.
I'm a combination of relieved and sad but have to get on with things - onwards and upwards!

Right, the hoovering beckons:(

kjp

Hi everyone

Quiet today!

Pernicious - thanks for starting the thread! WelshWoofer - glad to hear that divorce etc seems to be going through amicably, but have a hug :grouphug: anyway! Stitchy - glad to hear your eye's better, and Pixie - I agree with Pernicious, your meal plans always sound nice!

Today I will/have

• [STRIKE]Check bank[/STRIKE]
• [STRIKE]Check CC[/STRIKE]
• [STRIKE]Check TCB[/STRIKE]
• Work out which account Ebay fees have come from :huh:
• [STRIKE]Make soup using whoopsied veg from Asda yesterday[/STRIKE]
• [STRIKE]Try tempering chocolate - want to make Hotel Chocolat stylie slabs for my friends for Christmas, but am a bit of a perfectionist and don't want them to have to keep it in the fridge![/STRIKE] It worked!!!!
• [STRIKE]Update Christmas spreadsheet with purchase yesterday - £2 play pit balls to go with £1 ball pool - friend's son done![/STRIKE]
• Update spends spreadsheet Can't - left it at work, doh!
• Investigate MS Money?
• [STRIKE]Look at Martin's 100 days to Christmas news[/STRIKE]
• See if I can get cheap train tickets to Exeter in a couple of weekends, my friend and I want to go shopping and we have the £10 Red Spotted Hanky vouchers to use!
• [STRIKE]Clear out car - raining, so might just take out the rubbish![/STRIKE] Rubbish in bin!
• NSD
• Low petrol day, drive carefully if I do go out
• Maybe start revision plan for OU exam?
• Sparkle!

Hope everyone has a lovely day, raining here but never mind!

Kxx

~Yorkshire_Belle~

Hello everyone

Have been busy this morning, mostly spending unfortunately!

• Shopping for week, fridge and cupboards full DONE
• hokey cokey underway DONE but not finished yet
• DSs to football etc DONE
• paid football subs DONE
• Sister visiting this weekend, arriving this pm and the room she and her OH will sleep in is full of our carp so need to tidy that urgently, might find some gems to ebay (she'll help me do that)
• make a list of what I need to pack/find/borrow for work trip to Eastern Europe - why do get to go somewhere cold? Not really complaining, chance of a lifetime etc
• rollover Christmas spreadsheet - not got anything yet, but ready for when I do
• Not check work email and try to relax a bit
• consider how I can cut back spending further to try and save for a trip with friends and things DSs need/want

ixia

Afternnon everyone and thanks to Perni for starting us

Todays list:

• been shopping and stuck to budget
• ate last nights leftovers for lunch
• load of washing out to line dry
• another load in machine
• meals from stores
• hair dye on head at the mo- saves going to hairdressers and bought dye from grocery budget
• put shopping away

Still to do:

• Hang out wash when finished
• tidy house
• check banking/emails

have a good Sat everyone off tom friends later for a glass of wine out of grocery budget too :rotfl:

determined_new_ms

Hi everyone :wave: sadly we're back from our lovely holiday - it was sun, sea, sangria & fun all week :T- now its back to freezing here, massive tidy of the house/sorting out things we don't need ready for the move in 2 weeks & back to work on Monday, grim times!

I hope everyone has had a good week while I've been away

Today I:

• [STRIKE]massive tidy through of the house[/STRIKE]
• [STRIKE]go through fridge, freezer & cupboards, work out meal plan & do a shopping list for when I can be bothered....[/STRIKE] spent £20, should only need fruit & veg later in the week
• [STRIKE]1 load of washing in, line dry & another when its done[/STRIKE]
• all meals from stores
• [STRIKE]pork out of the freezer for tomoz[/STRIKE]
• the big one - work out finances for holiday - who owes who what
• work out budget for next month - payday on Tues :T its gonna be tight next month as this month has been very expensive! :eek:
• [STRIKE]going to a friend's party later - need to sort out camping stuff - oh not pleased as its not pleasent here today[/STRIKE] had a great time - lovely to catch up with old friends, danced around for a couple of hours ate free food & drank free drinks :T & slept like a log in the tent
• [STRIKE]froze some bananas[/STRIKE]
• make banana cake for lunches next week will do this while cooking the roast
• [STRIKE]list some items on ebay[/STRIKE]

ok that seems like way more effort than I want to put in! Hope everyone is having a lovely weekend x

Pernicious

pixiechick99 wrote: »

Morning Perni - look at you here on your own...I shall post my list and join you:p Makes me laugh that you said you like some of the things on my meal plan - they're boring as heck to me, but the girls aren't particularly adventurous (eldest in particular) so we eat the same old few meals week in week out it feels:o

Hehe yup, I was Billy no mates this morning! I think it's just because you put different things on there to what we'd usually have, so it seems interesting! We tend to cycle the same few meals too - I really need to start trying some new recipes out.

WelshWoofer wrote: »

Also exOH popped around last night to talk about divorce and we've managed to agree to just go our separate ways financially so that means that the house is safe ( I bought it a long time before we got together) and he keeps his savings towards a new place. He also agreed to accept responsiblity for the breakdown of the marriage so it can go through quicker - no waiting 2 years - a relief all round.
I'm a combination of relieved and sad but have to get on with things - onwards and upwards!

I'm glad you're both able to agree on a clean break like that, must make things a lot easier in some respects, hope you're doing ok though x


DNMS - Glad you had a fab time! Good luck with your decluttering mission, I am very, very slowly getting there with mine lol

ixia

Welcome back DNMS glad you had a lovely holiday.

I forgot to add earlier that I banked a check from music magpie, most of the money is MIL's but I made £9 so that will go into NY pot when it clears.