Monday 23rd January - What small DFW things will you be doing today?!

pixiechick99

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: '

Gooood morning...another week is here;)
Hope you all had a great weekend - busy busy here, back home and back to normal now though...and only 3 weeks til half term:beer:
Here's my list for today:

• check banking - ok as long as I don't spend until Thurs:D
• check surveys
• walk to work
• packed lunches made for dd2 and I
• meal from plan tonight - chicken stir fry+noodles
• chicken is defrosting from freezer
• heating on low
• NSD
• photograph a couple of things for ebay

Ok, must go and get my face on;)
Have a great day:A

DNMS - good luck with the new job (if today is the day!) - you'll be fab:T:T:T

poodlegal

Thanks for starting us Pixie!

Today I will:
Have leftover risotto for lunch
Go for a run done 4.5 miles
Packed lunches for kids done
Whoospied fish for tea defrosting
Check bank done
Start organising a few things for ebay
Do a dogwalk
Try and have a NSD! not done, forgot needed to pay for dds school sweatshirt.

Its absolutely chucking it down here so dont really want to go running but i'll feel better for it and the dogs will enjoy it! It was cold and wild but I do feel better now!

stitching_witch

Good morning everyone and thanks to pixie for starting us off today, you just pipped me to it!

DH's JSA finishes in a couple of weeks so I've spent the weekend trying to shave more off the budget, but it's down to bare bones as it is. This should be fun then :eek:


So far today:

• checked banking :eek::eek: and not pay day for another week
• checked for surveys
• made packed lunch to take to work
• fed and watered the chickens

I will also:

• have lovely filling porridge for breakfast when DH gets up
• e-mail a knitting pattern to work to print off
• get a lift to work with a colleague
• keep an eye on surveys throughout the day
• drink copious amounts of free coffee at work
• charge phone at work (we are allowed)
• knit a second glove at lunchtime to avoid going out and spending money to cheer myself up
• dinner from stores
• possibly sewing room tonight if I feel up to it
• smile 'cos it costs nothing!

I just need to try to keep my mood bouyant and I'll be fine. There's a lot of people far worse off than me and I'm pretty sure I've survived through worse circumstances already.

Have a great day folks,
stitchy x

Pernicious

Morning all,

Thanks Pixie for starting us off.
Stitchy - Howcome he won't get any other benefits if his JSA is stopping? From the sounds of it even without the debt it'd be hard to cope on your wage alone!

Today I will:-

• [STRIKE]Make a homemade juice[/STRIKE]
• [strike]Make use of free milk/water at work[/strike]
• [strike]Stay in for most of my lunchbreak to try & avoid spending[/strike]
• Post ebay items & come straight back! - Decided to do this tomorrow as it's always busy on a Monday & I'll probably get paid for the other two tonight
• [strike]Food from stores[/strike]
• [STRIKE]Log calories using free app[/STRIKE]
• [strike]Charge phone at work[/strike]
• [STRIKE]Check for surveys[/STRIKE]
• Enter comps
• Check online banking
• [STRIKE]Try & keep the heating on low[/STRIKE]
• Check out this week's flylady thread & do something!
• Work on wedding related tasks
• Take a look at diary to ensure I am up to date & prepared for everything coming
• [strike]Check ebay[/strike]
• Check cashback
• [STRIKE]Dinner from meal plan[/STRIKE]
• [STRIKE]Take refillable water bottle to TKD[/STRIKE]
• Catch up on the weekend's thread - half done...
• Try & get an early night

Have a great, MSE day everyone x

determined_new_ms

MORNING! Eek it is today Pixie - am nervous! But your lovely message made me smile, thanks for being so lovely :A

Poodlegal am jelly that you are going for a run, I just can't find any motivation from anywhere

Stitchy sounds worrying - is there anyway you could look to increase your income if there's nothing left to cut back on? How is the business coming along? Take on more work? Go back to you boss and ask to work every other wednesday? I know you don't enjoy it but if you need the extra money? Look out for/apply for positions that pay more? I know you've said in your area there aren't a lot of jobs being offered but how about sending out your cv & a covering letter to places you'd like to work? Stay strong

Today:

* check banking x2
* quick shower
* leave the house tidy - I don't start till 10 today :j and in future I will need to leave between 8.30-8.45 depending on whether I am walking or driving (OMG the joys of no longer needing to get up at 6 and leave at 7.20 :T:D)
* get oh to stop at Tesco on his way home as they have 2kg of red lentils on offer at 1/2 price for £1.99 :T
* brekkie & lunch from stores
* have voucher for Zizzis for free tapas and a glass of wine - we're going to try to stick to this (try not to be swayed by the hard sell!
* will just have beans on toast or something when we get home
* do 2nd coat of the bathroom :T
* Mrs Flylady our bedroom & "hallway" (its about 2.5ft by a metre! :rotfl:)
* go to the gym

ok think that's my lot. Excited and nervous about being the new girl all at once! Have a great day y'all x

ziggy2407

Good Morning all

Pixie - Thanks for starting us off
DNMS -Hope you're first day goes well
Stitchy - hugs and best wishes, I dont have much advice but as always DNMS gives the BEST advice (ever)

Today's little list (very repititive but helping at the moment)

Check Banks - Done
Check Swapits - Done (20 to send today)
Check for surveys
Update food tracker (20lb off up to now since Sept) - in progress
Read ("Hannah's List, Debbie Macomber") - I have a pile of books that Im determined to read this year and then clear out
Comps
Try to sparkle -
Baking
Catch up on emails
Picasso homework with little one

Another quiet day here, as have little one off with a really sore throat


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

C x

Nottoobadyet

Good day, everyone!

Have been a bit MIA due to internet issues last week. Had a crazy weekend - we went out on friday night, got home round 4, and an hour later my roommate came to wake us as she had awful shivers and fainting spells! Was quite scary and we rushed her to hospital. She was fine but I spent most of the day in my pajamas + bike jacket waiting for her tests back - i must have looked a fright! Had a BBQ on Saturday night at a friends place and spent yesterday in a cafe catching up on work. Feel like I need another weekend already!

Good luck on your first day, DNMS!

Sorry to hear things are going to stretch, Stitchy.

Sorry if I've missed developments, but how are you doing these days, Zigs?

Anyway, today in MSE:

• check banking and update budget after much neglect
• bike to work (with colleague on back, shes a brave one!)
• work like a maniac as loads on
• breakfast at home, coffee and lunch provided by work
• bike into town after work for meeting on new business with potential partner - will just have a drink instead of eating out
• leftover curry (HM yesterday by flatmate) for tea
• read for a bit tonight or watch film for quiet night in

Hope everyone makes it through monday - feel like it might be close!

determined_new_ms

Hey NTBY! Just looking at your sig and see you are doing swimmingly with your quest to raise a deposit! Have you thought about going the whole hog and saving enough to buy outright? If you look on my diary (shameless marketing here!) there is a link to a person's thread who did just this. Its my current inspiration x

brizzledfw

Hi all

Thanks for starting us off Pixie. Best of luck with the new job DNMS. Keep on going Stitchy..sounds hard but am sure you can do it..are you selling much? PM me if you do as I may be able to rustle up some sales for you. Good to see you back NTBY.

Today is a no work, well only work a bit day as I realise have no printer ( cartridge with the refill shop) so will need to boot up work computer and make notes for doing whilst on commute tomorrow:mad: anyway will treat it like fly lady and give myself a time limit I think. It's my fault for being disorganised:o

I have a friend coming round for coffee. No cafes for us! HM biscuits too...:T should be lovely. Will light stove whilst she is here with her LO rather than switch heating on too.

I will also try a bit of fly lady after lunch. Haven't done that for a while and it's a good discipline!

Think it will be a NSD for me, but unfortunately doesnt count as OH has an agreed spend but that's it. Will also downscale our veg box, fruit, milk etc this week so we spend less. Still have some stuff left over from last week.

Made a PAD to BC- rounding down to the nearest fiver in my account, set up an OP to mortgage when I get paid (the same amount as was putting into a savings account £100, so have cancelled that, it'll do more good in the mortgage account I figure)

Will work some more on meal planner..have rather enjoyed it. DDs also enjoyed contributing to it with their ideas. leek and potato soup is fine..but toad in the hole every day :rotfl: I think not!!

One watcher on car. Hmm.. Will have to think what to do soon if it doesn't shift as we have no need for it any more.

Cheers all

Brizzle

Nottoobadyet

determined_new_ms wrote: »

Hey NTBY! Just looking at your sig and see you are doing swimmingly with your quest to raise a deposit! Have you thought about going the whole hog and saving enough to buy outright? If you look on my diary (shameless marketing here!) there is a link to a person's thread who did just this. Its my current inspiration x

Wouldn't that be amazing! To be honest I'm not sure that I'll ever buy at all - my lifestyle is pretty mobile (who knows what it will be like in a few years) and the idea of having all my savings in one asset seems a bit scary. It may just become a nest egg, but is a nice motivating target for now.

I guess a lot will depend as well on whether I end up settling down with someone or not - in the meantime so as long as me, my dog and my motorbike are dry and fed I dont feel that I need to accumulate more assets :rotfl:

Will definitely check out your dairy though, heres me not knowing you had one at all!

Tebheag

Good Morning Everyone
Congarts on the new job dnms
Sorry to here about the cutting back stitchy

Thought about time I was back on here have been naughty spending and wait away on holiday but after the last year really wanted to start this year off with a bag and it was worth it as got so many great memories from just a few days away.
Having a lazy day today as now not well not how I wanted to start this week off.
Checked bank
Will check surveys see where I am
Sort out my diary for this week as got to do work was too ill to do on sunday !
Meal planner for the rest of the week
Will see what else I can do