Monday 26th Sept What Small DFW Things Will You Do?

Tebheag

Monday 26th Sept What Small DFW Things Will You Do? 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

Good morning all hope your weather is better where ever you live it is very wet here been pouring all night.
Not going to plan too much today as been up and done last few hours with my wee girl she is teething and got a bad cold !
1. Phone up insurance co and check all we are covered for as nearly £150 cheaper than who we are with now.
2.Check bank/surveys
3.Going to try and make some tomatoe soup if got ingredients it got loads of tomatoes again.
4.Make a nice fish pie
5.Make some biscuits with the kids still got lots of flour etc in.
6. Use eggs for luncg that friend gave me for looking after her daughter.
7. Do an hour of work while dd sleeps

Hope you all have a lovely day

bowlofsoup

Am going to batch cook a chilli, batch cook potato curry, not go anywhere in the car until this evening and not spend any money when I go to my Photography class tonight!
Xsoupy

Beencounting

Good morning all

Thanks for starting the thread Tebheag, hope your DD is better soon .

I had a late night last night finishing off my Av0n order, so am tired this morning. Will grab half hour snooze in the car on the way to work tho as OH will be driving .

My list for today:

• Check bank - done
• Car share to/from work - done
• Take a packed lunch to work - done
• Dinner from stores, probably use up LO turkey from last night - done
• Check when B/card payment is due (bal moved to 0% recently so this is the first payment) - argh, forgot about this, need to put paperwork with my handbag tonight so that I've got it to hand for tomorrow
• Stay in or go for a walk lunchtime, but definitely avoid the shops - eeeek! failed!!

Apart from that, I also need to phone the 'garage' who will (hopefully) be buying my car. Appointment is booked for today, but I want to change it to tomorrow as there's half a tank of fuel in the car which I want to use before selling it .

Have a great day all.

Been

DawnW

Ugh, Monday again - don't they come round quickly!

Today:

Checked online banking - OH has been paid for the last time - he has quit his poorly paying, long hours job that he used to enjoy but has become a millstone round his neck. He will do a bit of self employed stuff, but after today I am the only regular earner :eek:. I earn almost twice what he did though, the kids are grown, debts are paid except for mortgage, and he was the breadwinner when the kids were small so I could be a SAHM (not much choice in those days, but being that skint honed my MSE skills :rotfl:)

Transferred £40 from paypal (ebay and surveys money ) to bank account. I will pay it off the mortgage when it arrives. My aim is to pay off the mortgage and maintain an emergency fund so I can go part time - I will be 58 next month :eek: and my job is really full-on. About 26k to go, but I must get a proper balance. I wish C&G did online banking! I could probably go pt now, as the mortgage is less than £400 a month currently, though of course this would change if th interest rates go up :eek:

Cereal and berries for breakfast

Free paper on train to work

Packed lunch for work (must make a sandwich!)

Make a pie when I get back from work, and cook the bacon hock that I bought in the butchers' on Saturday. Pie done and eaten, hock in oven

Make and freeze some more tomato sauce to use up more of the tomato mountain (I will miss these when they come to an end soon as the weather gets colder, they have been brilliant and vine ripened tomatoes by the huge bowlful are SUCH a luxury!) Cooked them down, will finish tomorrow.

If I get all that cooking done after work I will be very pleased with myself Well, I didn't quite, but not too far off

Sold a book on Amazon - £34!

Hope everyone has a good day

kjp

Morning everyone!

Tehbeag - thanks for starting the thread, hope your daughter feels better soon!

Today I have/will:

• Check banking
• Check CC
• Check TCB
• Update spreadsheets!
• Get ebay parcel ready to post & post it
• Receive test items
• Sort out envelope for tickets etc - at the moment they're all around my room, must keep them somewhere safe!
• Update work Facebook
• Do some homework
• Read revision guide from OU tutor - went to do this yesterday to find she hadn't attached it to the email - doh!
• Look into couriers
• Redo mini mani/pedi as I peeled off all the nail varnish this morning in the shower...
• Breakfast/lunch from stores
• NSD - need to after spending £78.99 over the weekend, of which only £34 was essential. Won't count postage as it's paid for in Ebay.
• Pay Ebay money off CC
• Work Hard!
• 2lts water
• Sparkle!

Hope everyone has a great day!

Any knitters here? I have a feeling a few of you knit - I haven't since I was a child and want to pick it up again, what 'basic' needles would you recommend for a DFW-y beginner?

Thanks!

Kxxx

josiebabie

Morning all!
Thread busy already this morning, thanks for starting us off Tebheag
This is me:-
- Skipped breakfast, running late
- Check banking (payday!)
- Pay bills
- Submit purge sales
- Sell a purge and a service contract?!
- Lunched packed up from home
- Dinner from stores
- Left purse at home so NSD
- Work hard and sparkle!!!

Jx

La_escocesa

kjp wrote: »

Any knitters here? I have a feeling a few of you knit - I haven't since I was a child and want to pick it up again, what 'basic' needles would you recommend for a DFW-y beginner?

Thanks!

Kxxx

Hey kjp, I'd get some big fat needles and chunky yarn and start with a basic scarf. Do a few of those to try out all the basic stitches and then away you go! I taught myself with the help of youtube (the knitwitch videos are pretty good) and two books Stitch 'n' B!tch and When bad things happen to good knitters.

https://www.amazon.co.uk/Stitch-!!!!!-Handbook-Instructions-Generation/dp/0761128182/ref=sr_1_1?ie=UTF8&qid=1317018805&sr=8-1
https://www.amazon.co.uk/When-Things-Happen-Good-Knitters/dp/1561588407/ref=sr_1_1?s=books&ie=UTF8&qid=1317018829&sr=1-1

Depending on where you live there might be knitting groups meeting in pubs/cafes. If you sign up for Ravelry.com there is a forum section where you could find out. Ravelry also has loads of free patterns. It's fab!

And here are my small things:

• Pulled out of house purchase after speaking to the surveyor about his report! :eek: It is a red/amber/green system and the only things with green was that they had a new front door and the drainage was good! :eek: Red was - roof, chimney, external walls!! And everything else was amber/it'll be ok for now but you'll probably have to replace EVERYTHING in the near future. Erm, no, maybe I don't have a spare £20k lying around... Here was me thinking it needed replastering and a new kitchen. Good ol' surveyor spotting the leaking roof, damp and crumbling chimney...
• Batch cooking:A
• Packed lunch for work
• Walking to work
• Using mobile included mins and not house phone
• Bit of voluntary work - complete a form and write a letter.
• Tidy round
• Buy the cheap yarn I saw :cool:

Big Monday love to y'all :beer:

xxx

Amara

Hello:
Today, I will:
-go to my two customers
-go to doctor
-take one of my workers to temporary job
-take other one for an interview
-go do friend of mine just for a quick visit
See you soon!

determined_new_ms

Hi guys need to be ultra quick as overslept, am just drinking a coffee to wake up before I skoot!

Tebheag thanks for starting us off - I thought your name was Tehbag, as in teabag, and then realised the other day it isn't! I noticed a few othes did as well! :rotfl:- hope ur LO is ok today x

Dawn wow the main breadwinner! Times have changed! Good for your re P/T can you do it in your job? Seems like its quite important.

La E oh no how disappointing! So back to the drawing board then?

packing continues to go well I think we have packed approx 70% of our stuff. Will continue tonight when we have more boxes

• check banking
• transfer funds into savings account for xmas etc
• post ebay sale
• reply to ebay question
• plant pots & soil advertised on freecycle being collected this evening
• breakfast (banana & mango smoothie mmmmm) & dinner from stores
• lunch out as have managers meeting today, will order cheapest from menu
• packing & cleaning tonight
• wii fit or gym
• might see if I can get next Monday off depending on what appts I have as will make life so much easier after the move!
• pay cheques into bank
• call tesco clubcard to get my expired vouchers reissued

ok better get a move on look at the time! :eek:

cattyboo

Morning all,

Ugh, can't believe it's monday again, time flies when you're not at work! Had a productive money saving weekend even though I forgot to post, finally got around to quitting my expensive gym, been putting it off for ages but we're in the process of house buying and that extra insurance money is going to have to come from somewhere! Have found a much cheaper one down the road so will check it out once my notice period it up.

Today I will:
- [STRIKE]check bank[/STRIKE] no change, cheque still not showing so will check again later
- [STRIKE]post surveys from free food samples [/STRIKE]
- [STRIKE]stay late at work and try and get a bit more done, just can't seem to find the motivation recently[/STRIKE]
- [STRIKE]dinner from stores, freezer almost completely empty so nearly ready to defrost[/STRIKE]
- [STRIKE]charge laptop at work[/STRIKE]
- [STRIKE]laundry this evening
- go through cupboards to check what we've got in[/STRIKE]
- [STRIKE]NSD[/STRIKE]

DNMS good luck with the big pack, sounds very exciting! I'm still trying to gradually declutter, can't believe how much stuff we have! :eek:

Hope you all have a good day,

C xx

starnac

morning everyone.

thanks for starting the thread tebheag. hope your DD is feeling better soon.
DNMS you are doing well on the packing
Dawn hope your hubby finds being out of FT work okay
*waves* to everyone else

my list for today

[STRIKE]check banking[/STRIKE] possibly through fingers scary movie style!
check surveys
[STRIKE]order photos [/STRIKE]
bread in BM
[STRIKE]print out ebay sales[/STRIKE]
list more on turbolister
ironing must do this as put it off all weekend
post sister's birthday cards
[STRIKE]FB friends re weekend instead of texting[/STRIKE]
[STRIKE]order bits for DD's birthday[/STRIKE]
NSD except party items above (already budgeted for)
Do October's budget

that'll do for now. Happy Monday everyone