Monday, 2nd January: What Small DFW Things Will You Do Today??

Nottoobadyet

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

Examples could be 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!:money:

A very happy new year to all :j Glad to see the thread was busy over the weekend, sounds like most of you had a quiet night. Hope you're feeling a bit more cheerful today, Pernie.

I had a bit of a New Years adventure - we took the motorbikes out of town for the first time and drove about 300 km in two days (I am very sore in strange places! :eek:) to and from Jinja, which is a lovely town on the source of the river Nile. There was a party at the hostel we stayed at - would have been good cheap fun except that there were some robberies and I lost some cash :mad: Other than that it was a lovely weekend and Im quite happy to be home in one (rather dusty) piece!

Anyway, now broke broke brokity broke. Going to need some serious MSE power to get through the month without dipping into what I had put aside for savings.

Today:

• Saw off guests who stayed last night - they'll be back next week
• bike to work and back
• withdraw rent money and pay
• get receipt and submit to work
• Meal plan like theres no tomorrow! Its so hard to avoid eating out here regularly but I really need to work on it... I'm thinking this may be a shakshuka and chili week.
• file (very old!) expenses
• go to market to buy cheap veg for week
• liase with DVD man - he's burning us the entire human planet series, so hopefully nice cheap nights in!
• check banking and revise budget to make up for lost cash

Happy monday everyone!

stitching_witch

Morning all and thanks to NTBY for starting us off today. I'm sorry to hear of your cash being stolen. Not a good start to 2012 for you.

So far today:

• checked banking
• checked for surveys
• updated spending spreadsheet with DDs due out
• fed and watered the chickens
• Xmas goodies for breakfast

I will also:

• do a meal plan for January (freezer inventory yesterday produced evidence of at least 5 weeks meals if not more!)
• plan allotment beds for 2012 and write a shopping list
• make bread
• make cookies
• cut out last of fabric for quilt - no time yesterday
• encourage DH to start Ebaying some of his mountains of *stuff*
• all meals and snacks from stores
• have an NSD

I'm feeling positive for a frugal, DFW year. Let's hope those feelings continue

stitchy x

Bagpuss741

Today I will:

1. Check online banking
2. NSD
3. Get back into OU coursework
4. Walk dog locally
5. Check for surveys (Just logged on to pigsback:eek: what has happened to it)


Have a fab day guys:beer:

WelshWoofer

Morning all! Hope you're all fully recovered and raring to go?

Last day of holidays for me today - back to school and 1500 skiddiewinks tomorrow:eek:
So today's list....

• Walk the dog x3
• Stick to diet
• Update diary
• Write 4x yr 9 lessons and maybe x3 yr 10 lessons
• All food from stores
• Sort out clothes for the week
• Maybe pop to B&M for a new razor and pop for work
• Checked bank - no change - well it is a bank holiday!
• Look at finances again - not very healthy - roll on payday!
• Make the most of the last day off

That's it for today - have a good day off!

Nottoobadyet

Doh! Just did my food shopping and despite having a list totally forgot rice... Do we think its acceptable to serve veggie chili on spaghetti? Eh? Anyone?

Also didn't realize I needed petrol. Money going every which way....

lilian1977

Hi all, rejoining yet again in an attempt to make 2012 the year I have money left at the end of the month rather than the other way round, not this month though, final month of zero maternity pay and £17 won't last me till 28th!

NTBY - do you have potatoes? Could you serve it on jacket pots? Sorry about the loss of cash

My things for today:

Try and have a NSD, will be no 2 of 10 if I do.
Taking baba to play centre, £1.50 to get in but hubby should pay if I just loiter by the leaflets when we arrive No tea/cake while I'm there.
Meal plan for the week, got plenty in so should be able to get through most of the week without buying anything.
Checked banking - no change
Chase expenses cheque - nearly £100 so would be great if I had it asap really!
Send a friend a birthday card by 2nd class post
Clean out hamster
Watch film from £1 Blockbuster subscription to ensure I get the most out of it that I can
Read through Slimming World book to get ideas for meal plan - starting tomorrow, eek!
Find out when next Ebay free listing weekend is, anyone know?

That's it I think, hope everyone has a good day x

nickynoo08

Morning everyone, happy new year!

So today i have....
Checked bank
Started my decluttering, just boxed up a pile of old cds snd dvds for music magpie
Transfered my cc balance on to 0% saving £146 in intrest
Changed my phone tariff, costing me a further £6 but saving me around £15 on my landline so still an overall saving

Still to do.....
D/W on eco
W/M on daily wash and dry on airers
Bought some bits n bobs in the sale so im going to be super organised and wrap them and store away in my present draw. Note to self REMEMBER TO WRITE GIFT TAGS!! Lol
Meal plan for next 10 days

Think that'll do me for today

natlie

Hi
thanks NTBY sorry about theft, I think spaghetti would be fine, Lillian I am jealous of your year mat leave, I could only afford 6 months

Welshwoofer I wish our schools were back in tomorrow - the girls are off until the 9th/10th

I need to tidy kitchen today
Baba has just started solids at 21 weeks so need to get making some mush - will pop to MrT its only 1 meal a day and only fruit at the mo as he is not 6 months just yet and they dont like them to have wheat/gluten etc - we still have plenty in got a free jar, plus 40p off, £1 off and 50p off stuff with vouchers from post and signed up to all the baby food clubs for vouchers/samples

Xmas tree came down yesterday and is back in loft, xmas cash/cheques are paid in

Need to sort ebay stuff still

Have started reading again finished The girl with the dragon tattoo in 7 days now on Blind Fury - had them off gran for xmas

Need to get petrol today too £55 :eek: but should last the month

Checked bank, put up new calendar, [STRIKE]need to sort out coin jars [/STRIKE] £5.70 just from coppers and have brekkie

Did something very mse today dyed my highlighted hair back to natural brown, cost £1.75 for dye on bargain shelf in MrT highlighting it at hairdressers cost me £85 last time

Have a good day all
Nat

cally6008

I had a no spend day yesterday OH sent me to shop with his money to get him his pop and said I could buy chocolate for myself ... but I didn't, I've still got a couple medium size bars in the house from xmas

I've been sorting out my survey accounts etc, marking up who pays how for what points etc. Just need VO to approve 2 pending survey credit and then I can claim £10 tesco voucher

Spendaholic_Chick

Morning all!

Today I have/will:

- do very small shop, sticking to list (will be a first!) done - and almost stuck to list
- check online banks done
- make banana bread from stores done
- sort out free will via my union, need it as going into hosp for an op in next couple of months
- do something with mushrooms about to go off
- do something with old sat nav - recycle/ebay for spares/bin

non mse stuff:

- put xmas decs in loft done
- put last of xmas pressies away done
- at least an hour's ironing

Have a great day everyone

OrangeFairy

Morning all. I hope everyone is well. Sorry to hear about your stolen money NTBY :mad:
Today
[STRIKE]Bit of food shopping - don't need much[/STRIKE]
[STRIKE]Research spends apps - can't find one that looks any good[/STRIKE]
Get girls PE bads ready
Tidy the house
Wash DDs bedding
[STRIKE]LSD[/STRIKE]
[STRIKE]Walk some where[/STRIKE]
[STRIKE]Take my picture of today [/STRIKE]
Declutter an area of the house - thinking on starting with the kitchen!

Have a great day everyone x