Mon 30th Jan - What small DFW things will you be doing?!

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 :money:

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!:D

Morning everyone - happy Monday;) We have snow here - but a useless amount, not enough to give us all a snow day...so off to work I will go:o
I'm really tired as I bought a sleep cycle app at the weekend...it's meant to wake you when you're in a light sleep and monitor how you do sleep - but I keep waking up wondering if it's noticed:rotfl: So think I'll not bother tonight!
Anyway - time for my list:
:)Check banking - done, all ok
:)Check Onepoll etc
:)Walk to work - better wrap up warm
:)NSD - just need milk from the grocery budget
:)Packed lunch for myself and dd2, dd1 takes a drink from home and lunch at school
:)Heating on low if we can bear it:o
:)Meal from plan tonight - chicken pie, mash and carrots
:)heating off the airer and put away
:)Unplug chargers ect that aren't used

Ok then - that's my lot - have a great day:A

Pernicious

Morning all,

Thanks Pixie for starting us off, I had a really disturbed sleep last night, not sure why but I kept waking up after taking over an hour to drop off in the first place! Today is going to be long...

Today I will:-

• [STRIKE]Make a homemade juice[/STRIKE]
• [strike]Food from stores[/strike]
• [strike]Leftovers for lunch[/strike]
• [strike]Make use of free water/milk at work[/strike]
• [strike]Log calories using free app[/strike]
• [strike]Charge phone at work[/strike]
• [strike]Stay in for most of my lunchbreak to avoid spending, need to get some more postage bits for ebay though, Mr T's was way too expensive for it yesterday![/strike]
• Check for surveys
• [STRIKE]Enter comps[/STRIKE]
• Check online banking
• [STRIKE]Try & keep the heating on low[/STRIKE]
• [STRIKE]Work on wedding related tasks[/STRIKE]
• [STRIKE]Take a look at diary to ensure I am up to date & prepared for everything coming[/STRIKE]
• [STRIKE]Check ebay[/STRIKE] - Also packaged up an item ready to post tomorrow
• Check cashback
• [STRIKE]Dinner from meal plan - Fajitas[/STRIKE]
• [STRIKE]Keep lights off/things unplugged if not used[/STRIKE]
• [STRIKE]Hope to get a call about possible second job (preferably when I've woken up properly though!)[/STRIKE] - Was asked to call them, left a voicemail so still fingers crossed!
• [STRIKE]Take refillable water bottle to TKD tonight if I'm still awake by then, lol[/STRIKE]
• Sleeeeep earlier tonight! - not as early as I'd like but off to shower & then bedtime!

Have a great, MSE day everyone x

determined_new_ms

Morning pixie thanks for starting us off!

Opps better start getting ready - you'd think I had the whole day off sitting here drinking coffee & playing around on the laptop!

dd is fast alseep on the sofa and needs to get up and get ready - hope its not going to be a stress as time marches on...

Today:

• [STRIKE]check banking x2[/STRIKE]
• [STRIKE]transferred saving into bank acc to pay off cc[/STRIKE]
• checked cc statement - £2 I can't account for!!! Still not showing up what it is though...
• [STRIKE]gammon in the SC[/STRIKE]
• [STRIKE]brekkie, lunch (HM butternut squash soup & hm bread mmmm)& dinner from stores[/STRIKE]
• [STRIKE]check onepoll in my lunch break[/STRIKE]
• [STRIKE]email graze re taking money out of my account when I cancelled my order...[/STRIKE]
• take meter readings & contact Eon
• go t the gym & sauna this evening
• check through fridge to make sure nothing is going to perish
• read book in lunch break
• NSD

Ok that's my lot my lovelies have a good day x

ziggy2407

Good Morning all

Pixie - Thanks for starting us off
DNMS - You sound a bit "brighter" this morning
Perni - I was exactly the same sleep wise

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

Check Banks - Done
Check Swapits - Done
Coke zone - Done
Keep up to date with surveys - Done
Keep on top of emails - Done
Update food tracker (20.5lb off up to now since Sept) - in progress
Read ("The Model Wife") - in progress
Comps -
Quick tidy round - Done
Few bits to file/shred - Done
Swimming tonight - Done (only 40 tonight, was going great till I was smacked in the face by an over-enthusiastic male swimmer)
Ironing - Done
Make docs appointment - Done

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

C x

missrlr

Morning, bit of a strange one as the electric went off last night and as a consequence the bedroom lights came on at a random time of the night (it has a remote controller and apparently this is overridden by the breaking of a circuit.) It also managed to naff up the central heating timing so it was FREEZING when I got up. Result was me running on the spot as I as getting dressed to sort it all out - DH was groaning in bed typical! Very awake very quickly as a result and still not too sure where I am!

So today I have or I will:
Charge phones at work
Drink plenty of free tea at work (well fruity tea anyway as I don't do normal tea)
Walk dog (done)
Check bank accounts and credit cards just in case the money fairy has been - 2 more days to pay day!
Sort out the travel ticket I need for tomorrow (lunch provided for free goodie)
Complete expense form and put in so can be paid for extra mileage once have made final purchase today - hooray more money didn't expect!
Drive very slowly so can eek out the diesel for the whole week (but less one day as going to town so perfectly feasible)
Lunch and dinner from stores and freezer so all good there plus remains of pineapple upside down cake made last night as dinner was cooking
Go to gym tonight to max out that membership

Currently beat myself over the head as forgot the pineapple remains from fridge when collected lunch, clearly the rude bright light and then cold awakenings are not doing my brain cell any favours today! Oh well can munch them tomorrow on the train instead - no problems.

Happy Monday all and here's to another week of money saving!

natlie

Hi thanks Pixie
Hope everyone has better sleep tonight!
No snow here but the surrounding hills are covered saw some cars out this morning with a couple of inches on them

Today i am sitting by my laptop refreshing a webpage trying to get concert tickets for OH small concert only 200 tickets argh - valentines pressie

Made £55 on fleabay yesterday

just a bit of tidying to do today and curry for tea

have a good day all
Nat

Yargo1

morning all. well cold here today brrr but no snow thankfully..

checked banking.. pay day tomorrow!!

have a great day all x

little_pink_purse

Hi
every one

sorry ive been missing over the weekend ive finally finished nites yeha
well it not been a nsd weekend i bought a new car it was only 600
but it will save us a few pennys on tax and ins and lots on fuel
so well pleased xx

today
alittle shopping done
meals from stores
pick mum and dad up
check banking
ironing
wash on done xx

brizzledfw

Hi all

Snow/ sleet this morning..even DD1 decided to put some gloves on!! She normally likes to wear no coat and no jumper!!:eek:

Got off to a good start this morning and then got caught up with work for last 2 hours even though it's my day off...my fault entirely but amazing how the hours fly!

OH working from home today so even though in different rooms nice to have him around and we will have lunch together later..a rare treat!!

So today I have:

- made more rye and linseed bread in the BM..yum yum..but did use the July 2010 OOD dried milk powder and decided enough was enough. I was feeling queasy so it had to go!! :rotfl:
- put a veggie, pearl barley and bean stew in SC which we will have with roasted beetroot ( not an obvious combination :Dcos they are there and I have sour cream to use up) We will have the stew and beet roots with yorkshires which the DDs will love
- washing on low and then racks to dry
- DDs sandwiches for lunch, ekes out the school dinner money
- have discussed envelope idea for entertainment spends with OH and we will do that for Feb. Also agreed to changing plans for one weekend so we are frugal. Friends over and we will cook a Sunday lunch instead of going out on Saturday eve. Our weekend away we will indeed take our own wine as was suggested :j
- OH taking some leave so no childcare costs for INSET days that seemed to come out of nowhere

I will:

- make a PAD and chase bank for info on that weird Direct debit which I don't recognise
- do a meal planner for next fortnight and revised veggie box order
- take up new CS work trousers and wear this week
- help DD1 with her homework..not MSE..but on the To Do List!
- rather than buying more will be grinding up old coffee beans from back of cupboard..well not dead yet!!
- write to insurers re the additional info they have asked for and for some of it, pointing out where it has been sent already :mad:
- will think of a free valentines present for OH
- will regift a present which was lovely..but I really don't need any more toiletries...and will give to my MIL for her birthday
- have one of my yummy choccie biscuits with a coffee!!! yay! The life I lead:rotfl:

Have a great day folks

Brizzle

brizzledfw

Good news Little Pink purse..spend to save huh?:D

La_escocesa

[FONT=&quot]Hello there :hello: [/FONT]

[FONT=&quot]I had my appraisal at work that completely helped to make up my mind about leaving. Totally feel like I went over and above my role last year - with the effort I put into my own work and how much I helped out other collegues - and still walked out with a 'meets expectations'. This translates as 'standard pay rise'. Shouldn't have bothered putting in any extra effort as I'm pretty sure I would've walked out with the same. Apparently it's just expected that I keep the whole team afloat and take on extra responsibility off my own back… Rubbish. I completely don't agree with taking on more responsibility without getting the recognition/pay to match. Let the job search commence! [/FONT]

[FONT=&quot]Here's my small things: [/FONT]
[FONT=&quot]- Brekkie at home[/FONT]
[FONT=&quot]- Free cuppa x 2 in work [/FONT]
[FONT=&quot]- Walked to work [/FONT]
[FONT=&quot]- Walking to yoga[/FONT]
[FONT=&quot]- Catching bus home (need to spend £3.10 today but means I save £7.60 a week in travel) [/FONT]
[FONT=&quot]- £5 Monday treat - some new pens :cool: [/FONT]
[FONT=&quot]- Remind OH to put his £££ into the joint a/c - ready for bills coming out on the 1st[/FONT]
[FONT=&quot]- Pay phone bill [/FONT]
[FONT=&quot]- Job search/work on CV [/FONT]
[FONT=&quot]- Look for a cheap double bed frame[/FONT]
[FONT=&quot]- Look for cheap dvd rack [/FONT]
[FONT=&quot]- Order cheap but decent looking air bed[/FONT]
[FONT=&quot]- Start a film jar - OH and I put a few quid in when we order a film online - no surprises when our bill comes in - will probs just spend £5 a month. [/FONT]