Wednesday 28th Sept What Small DFW Things Will You Do?

Tebheag

Wednesday 28th 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


Thanks to the kids I have been up since five this morning they are lucky I love them so much.
Again not got much planned today apart from surving lol
1. stay away from shops
2 Make some biscuits
3 Do a foos shopping list to stretch stores got 3 bithdays in Novemeber dd1 ds2 and my mum so need to save some caash this month.
4 Phone up CC to set up standing order also check as thought I had already done this with them
5 Find letter and send to halifax so i can get my £25
6 Try and do little bit of work done 15 mins so far lol
7 Phone up schools need to find one who will handle my little monster
8 Make dinner from stores
9 sort kids winter clothes
10 The Big one POTTY TRAIN DD1 :rotfl:

Feeling mad today so going for a long list after all

GoodLuck Cattyboo got my fingers crossed for you
Thanks Ziggy starting to wonder if she is ever going to get rid of this cold.

Hope you all have a good day and big hugs for any off you needing them at this time .

kjp

Morning all!

Thanks Tehbeag for starting the thread and hope you get the news you want today Cattyboo!!

Today I have/will:

• Check banking
• Check CCs
• Check TCB
• Ring Santander to reactivate CC online access
• Check Ebay
• Transfer Ebay money to CC
• Breakfast/lunch from stores
• Update work Facebook
• Read OU revision guide - now sent by tutor!
• NSD
• 2lts water
• Work Hard!
• Sparkle!

Main project of the day will be trying to work out this cast on lark in knitting - I refuse to give up!

Have a great day everyone!!!

Kx

stitching_witch

Morning all, and thanks for starting the thread Tebheag. I thought I'd get on here before stitching as I don't seem to get out of the sewing room long enough to fire up the laptop at the moment.

So far:

• DW run on Economy 7
• WM run on Economy 7
• checked banking - wages in early :T
• paid a bit off CC3
• paid DS3's motorbike tax and taken monies off my debt to him
• fed and watered the chickens
• emailed quotes to two more enquiries I found in my inbox

I will also:

• hang washing outside
• take something out of freezer for dinner
• make bread
• make apple and elderberry jam
• finish the skirt which completes the corset order to be delivered tomorrow
• all meals and snacks from stores
• have an NSD

That'll do for today,
stitchy x

determined_new_ms

stitchy are you not working at your job anymore?

cattyboo

Morning all,

Today I will:
- [STRIKE]check bank[/STRIKE] cheque cleared and moved, not in OD anymore
- [STRIKE]charge phone and laptop at work
- brekkie at home
- free panini for lunch
- stick to meal plan this evening
- NSD
- defrost freezer this evening
- order next weeks shopping online[/STRIKE]
- [STRIKE]try and be positive at work, really getting me down lately and feeling a bit low
- keep phone on me at all times incase mortgage broker calls with news...got everything crossed again, not sure my fingers will ever uncross! Thanks Tebheag & kjp will keep you posted![/STRIKE] STILL nothing! They keep telling me 'it's with the underwriters, you'll hear tomorrow'...hopefully it actually will be tomorrow! Going nuts with stress over here! Thank you all for your good wishes, you're very kind xxx

Hope you all have a happy day,

C xx

josiebabie

Morning all!
Found it really difficult to get motivated today, it was sooo dark when I got in the shower :-/
This is me:-
- Check banking
- Shower not bath...HW is still off
- Netball tonight
- Text friend to bring me water, forgot my bottle!
- Sell a purge, 2 x opportunities
- Try to sparkle - not really feeling it right now :-/
- Work hard?
- Go through WIP to clear uninvoiced labour/sales work
- Think about training plan for new starter on 24th Oct, met her last night and I think there's going to be more work involved than initially expected
- Remind DB3 about rent/hotel for gig we're going too

That's me I think!
J x

determined_new_ms

Morning guys :wave: no news here from Packdom Manor the mission still continues! Housing Officer is coming around today to sign over the tenancy agreement - scary stuff after today there's no going back...

Just having a 2nd coffee before I spring into action

Cattyboo fingers crossed for you with the house - hope you get the answer you're after today!

Tebheag how can you have already done some work??? That's maddness!

kjp - I admire your tenancity!

Ok today's list:

• [STRIKE]read martin's email[/STRIKE]
• [STRIKE]replied to a cheeky begger on ebay[/STRIKE] - wanting me to end the auction. Said I had put a buy it now option so they're welcome to end the auction at anytime.Am getting a little nervous as I put our chest freezer on there without a reservation. Its only at £1.04 but there are over 50 ppl watching so just pray it wasn't a foolish move on my part...

[STRIKE]measure said freezer & reply to question re dimensions
[/STRIKE]

• get plant pots out of garage & leave in garden for person from freecycle
• call a few companies to let them know we're moving & new address - oh is doing the same
• LO chilli & rice for dinner at work
• lunch will be something with pitta bread out of the freezer
• packing & cleaning kitchen tonight
• get newspapers from work to pack fragile items
• check banking
• pay last bill for the month :beer:
• drop off dd's things on the way home from work

ok that seems enough - too much in fact! Have a great day everyone :A

Yargo1

morning all

have checked online banking.. roll on friday...
hung washing out on line to dry and got another load on ready to get on there after work or in the morning

Going to sparkle today, feel chirpy with it being wednesday!! Happy Hump Day x

ziggy2407

Good Morning all

Tebheag - Thanks for starting us off and hope your littlies feel better soon - I know exactly how you feel as my LO has suffered dreadfully every autumn/winter/spring with a sore throat to the point his tonsils seem to leave little room in his throat, am awaiting a call back this morning from Drs (he's gone to school dosed up but he cant carry on like this he's 8 now and he's not had a decent nights sleep now for at least 3 weeks, am hoping they'll see him today instead of just fobbing us off with a prescription).

Still not great here but I will get through it. Hope everyone else has a great day, hugs and best wishes to all that need them

Today's little list, (very repititive, but feel better for listing)

Check Banks - still going to be very tight
Check Swapits (for LO) and post those swapped - done
Update food tracker - in progress
General tidy up -done
Read ("Desperate Diary of a Country Housewife" - not really enjoying but will plod on)
Washing & line dry
WW tonight
Make apple pie for OH and buns for LO, will also make some for oldies in sheltered accomodation when we visit

Hope you all have a great day, love to you all

C x

ziggy2407

josiebabie wrote: »

- Try to sparkle - not really feeling it right now :-/

I'm so with you on this one

lauradora

Good morning you lot,

havent seen you in ages!:beer:

Just dropped in to brag cos I paid a debt off this morning

So im bak on it and feeling good :A

Today;

• Paid a debt off
• Checked banking
• Checked all bills are paid
• printed off my odeon voucher
• Will re do budgets

Have a nice day everyone

mwah xxxxxxxx