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Monday 16 January - what small DFW things will you be doing this today??!
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            Well I dont have the 90 mile roundtrip commute to work today as I have a hospital appointment at my local general hospital and cant eat anything before so that is a saving! however probably cancelled out by the 200 mile round trip I had to do last week to a specialist hospital where I had to pay for parking too - its free here!!
 Other than that I am staying in bed as my energy levels are lowBe the change you want to see -with apologies to Gandhi 
 In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
 'On the internet no one knows you are a cat'   0 0
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            Hi everyone
 Igamogam hope you survive the starvation diet! And all goes well
 Have long list of work things to do so today:
 - try and get through list of tasks
 - check banking and that OH has been paid.
 - make a PAD towards on one of the remaining CC cards. Think the discipline of doing this every day will help me get those total down before the interest free rate ends at end of year
 - more washing at 30 and dry on racks as usual
 - try and keep heating low
 - dinner from planner
 - spend time with DD1.. She needs some TLC at the moment
 - me have a NSD. OH will have some costs today I know so not an official NSD by my book ! but I can do my bit and keep our overall spend as low as it can be
 And keep the house tidy. Makes such a difference to my mood!
 BrizzleMFiT-T4 Member No. 96 - 2022 is my MF goal 
 Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
 Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0
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            Hi
 Thanks DNMS
 Wow its been busy here this morn
 Today plan is to move dentist appt - they want to take out a wisdom tooth and Im terrified its my first dental work, I thank my dads side of the family for my good teeth!
 We have to go to job centre to get appeal form for OH
 Loads of ebay to post only 12 things sold out of 41 but made £50
 Tidying
 Glass to recycling centre
 Bag of clothes to charity shop
 Burgers for tea with h/m wedges
 Have a good day all
 NatDMP 2021-2024: £30,668 £0 🥳
 Current debt: £7823.62 7720.52 7417.940
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            Morning all. Thanks to DNMS for starting the thread. Enjoy your last day at work. This made me laugh...determined_new_ms wrote: »* other than the sewing machine & meal not spend another penny!
 
 I think that's quite enough spending for one day :rotfl:
 Busy thread this morning already. Really didn't want to get up this morning but had to so tough.
 My list for today- Check banks
- Meals from stores
- Heating on low
- HC
- Packed lunch for DH
- Walk 5000 steps
- LSD - needed a banana for DD to take to school
- Daily clicks
- Clean kitchen
- Tidy front room
- Put ironing away
- HM bread
  
 Happy Monday everyoneGoals for FebruaryDeclutter 2/50Money Made £0/£200Overpayments £0/£2000
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            Morning all!
 Hope you are all wrapped up warm today, it is bitter out there!
 Today I will:
 - Check banking
 - Work hard - clear some the backlog of files that appear to me dwarfing my desk!
 - Go into town on lunch and buy a diary so I can keep track of my finances
 - Go to shop after work and check for any whoopsies
 - Hour in the gym
 - Home and short blast of heating before bed - hang up washing to dry
 - Do one of my 'to do list' that I wrote at the weekend (perhaps have a look at the job I was thinking of applying for)
 - Get my smimming stuff ready for tomorrow mornings swim before work
 - Early night
 - When i'm feeling down in the dumps remember how lucky I am to have a roof over my head and a job!!
 - LSD!
 Hope you all have a good day!
 Lots of love PP xxOctober 2023 - £48,075
 DFD - June 2030
 October NSD - 150
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            Pinkpenguin wrote: »Morning all!
 - When i'm feeling down in the dumps remember how lucky I am to have a roof over my head and a job!!
 - LSD!
 Hope you all have a good day!
 Lots of love PP xx
 That is so true and such a lovely thing to write PP!! Thanks
 PS my first time using a quote from a previous post so hope it works!MFiT-T4 Member No. 96 - 2022 is my MF goal 
 Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
 Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0
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            Hi all
 Blinking cold in our office today brrr
 Home for lunch so from stores
 Washing on airers
 Washed up so I could warm hands up lol
 Have a good day all xDEBT FREE - MARCH 2012 - NOW JUST THE MORTGAGE!
 MFW 2012 No.148:£1600 / £450.00
 Mortgage - 102,57.160
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            Hi guys :wave:
 
 Gosh what a weekend that was - kinda glad it's Monday tbh!!!
 
 I got such a wake-up call when I checked my banking yesterday Feel so silly for forgetting about a payment that still had to come out. Feel so silly for forgetting about a payment that still had to come out.
 
 I am on a small-things mission this week…It's a kinda funny sensation surfing so close to the overdraft limit - haven't been here for a while y'see - but I've got mostly everything I need until payday next Wednesday so it should be ok. This week I just need to get a bus ticket - £9 so hoping I can get it with change from the jar - and my friend is coming over to stay on Thursday night. I was thinking about meeting her, going for food and then coming home but I might just suggest coming straight back to mine - could just give her no option about eating out/getting take away etc - if I present her with a tasty home cooked meal I'm sure she'd be fine with it… Things DFW life just takes a bit more preparation - but I've got mostly everything I need until payday next Wednesday so it should be ok. This week I just need to get a bus ticket - £9 so hoping I can get it with change from the jar - and my friend is coming over to stay on Thursday night. I was thinking about meeting her, going for food and then coming home but I might just suggest coming straight back to mine - could just give her no option about eating out/getting take away etc - if I present her with a tasty home cooked meal I'm sure she'd be fine with it… Things DFW life just takes a bit more preparation 
 
 DFW things today:
  Made brekkie at work - not my leccy or time Made brekkie at work - not my leccy or time  Drinking free tea at work Drinking free tea at work Walking to yoga Walking to yoga Using change that was lying about for my bus fare home Using change that was lying about for my bus fare home Paid £20 into the bank from my £2 coin stash Paid £20 into the bank from my £2 coin stash HM lunch - pearl barley risotto - v cheap and cheerful, filling and tasty - what else could I need?! HM lunch - pearl barley risotto - v cheap and cheerful, filling and tasty - what else could I need?! Oatcakes and nuts from stash to snack on Oatcakes and nuts from stash to snack on Bit of yoga coursework - didn't do this at all over the weekend :eek: Bit of yoga coursework - didn't do this at all over the weekend :eek: Email friend Email friend Printed off a change of address form @ work Printed off a change of address form @ work Getting my £5 'Monday treat' using Boots advantage points - might not even spend the whole fiver cos I'm wild like that :cool: Getting my £5 'Monday treat' using Boots advantage points - might not even spend the whole fiver cos I'm wild like that :cool:
 
 Just remembered I've forgotten my water bottle for yoga… Will doubly need to make sure I drink enough water throughout the day so I don't suffer later.
 
 Catch up with everyone soon xxx0
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            Hope you have a lovely last day DNMS!0
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