Tues 31st Jan What small DFW things will you be doing

little_pink_purse

Tues 31st - What small DFW things will you be doing?!
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

La_escocesa

Hi little pink purse, thanks for starting us off.

:hello: to everyone else who posts later.

Crikey it is a scary day in the escy household... OH finishes up work today. It's fine really, he got paid last week as normal and will get 3 and a half months pay at the end of Feb so with cut backs/mega frugalness we should be fine technically until June. We want to use the cash to pay off some debts though so really he needs to find a job by March so we can do that...Eek, scary business.

I've been increasingly thinking about using my credit card too :eek: We need to get a bed (still on the mattress on the floor - like camping every night in our house :rotfl:) and a few little bits to finish it off (for now...). I'm thinking that if I put a few essentials on my credit card then we can start paying off from next month, although obviously I'm paying off a higher balance so it will still take longer...but at least we'll have a bed! :think:

Brizzle - thanks for your kind words yesterday The search is definitely on. I got this job and payrise when we had a wedding to pay for so I'm sure I can do it again.

Hmmm, what small things can I do today???
Brekkie from home
Cuppa in work
69p can of soup for lunch
Not getting the bus :cool:
Staying in tonight
Yoga coursework

Keeping it simple :cool:

Pernicious

Morning all,

Thanks for starting us LPP, nice short list you have today
La Escocesa - Have you checked your local freecycle or maybe even ebay for a cheapo second hand one? Would do short term & allow you to get on safer ground before using the ol' plastic again

Today I will:-

• Make a homemade juice
• [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 pop out though[/strike]
• [strike]Post ebay item[/strike]
• [strike]Enquire about cheapest tickets to Brighton & back[/strike]
• [STRIKE]Check for surveys[/STRIKE]
• Enter comps
• [STRIKE]Check online banking[/STRIKE]
• [STRIKE]Try & keep the heating on low[/STRIKE]
• Work on wedding related tasks
• [STRIKE]Take a look at diary to ensure I am up to date & prepared for everything coming[/STRIKE]
• [STRIKE]Check ebay, hope for payment of 2 items...[/STRIKE]
• Check cashback
• [STRIKE]Dinner from meal plan - Cheapo stir fry tonight[/STRIKE]
• [STRIKE]Keep lights off/things unplugged if not used[/STRIKE]
• [STRIKE]Call up about job as I never did get a call back[/STRIKE] YES!!! Trial shift on Thursday, result!!
  
• [STRIKE]Take refillable water bottle to Polenastics tonight & get a lift there[/STRIKE]
• [STRIKE]Washing on super quick 15min cycle[/STRIKE]
• [STRIKE]Hang up to dry[/STRIKE]
  

Have a great, MSE day everyone x

ziggy2407

Good Morning all

LPP - Thanks for starting us off
La E - Perni gives great advice as always
Spendaholic Chick - I feel the same about my list - v boring

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

Check Banks - Done
Check Swapits - 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
Either walk to Docs or walk home - neither as weather was shocking
Baking - Apple Pie & "Millies" cookies made
Last few photos to sort through and either frame, pass on, or put in albums - frames done, hoping to do albums Thursday
20 mins on Yantra mat (trying for every day as I had yet another shocking nights sleep and now looking more and more like Uncle Fester everyday, lol)

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

C x

determined_new_ms

Morning guys - thanks for starting us off LPP!

La E sounds like you've got fire in ur belly after yesterday!

Ziggy hope you manage to get some sleep tonight!

Today is going to be quite expensive as I have a lunchtime thing with 2 of my old colleagues and then am having dinner with another :eek: so need to keep the little things going!

• checked banking x 2
• paid cc 1
• checked cc1 statement - still can't account for the £2
• brekkie from stores
• got out 2 portions of LO curry for the boys tonight
• take note of mileage later
• have small cheap thing for lunch - need to keep it cheap and stick to diet!
• freeze some bread & butter pudding
• check onepoll later
• go to gym & sauna tonight
• work through budget and update FL challenge

ok that's my lot, have a good day x

fallenwiccan

Hello thought I'd join in here

Brought my lunch into work today
Not buying breakfast at work even though I forgot to bring some in, will try and teach myself a lesson :P
Will have my tea from freezer at home
Will not buy tea from the cafe at work will use the free machines.

Pinkpenguin

Morning everyone,

Today I will.....

• Have breakfast at work - I've brought in some porridge to fill me up!
• Have lunch at work
• Drink lots of free water at work
• NOT go out on my lunch break - I have a job application for a much better paid job to fill out today :T
• Make dinner from stores
• Go food shopping and stick to my list!!
• Early Night so feeling positive tomorrow

Thats my lot, have a good day y'all

PP xx

OrangeFairy

Good morning chickadees!!!!

La E- fingers crossed OH finds a job soon and you can use that money for debt payments!

Me today

Update MSE diary
Sort out ebay items to package up
Walk to post office with items
Tidy house
Main aim of today - get DD1's bedroom sorted
Some Me time for an hour - a cup of tea and my Harlan Coben book! Bliss
Homework with Kids
Make soup for dinner tonight to have with hm rolls Cheap dinner night!
Make lunches for tomorrow
No heating - put a jumper on - may read my book in bed
Surveys
Declutter an area of the house
Text brother to remind them they owe me £15 each

I am chuffed to pieces as at the weekend i sold 26 of my 29 items on ebay!!:j:j:j:j:j I made £184. After fees it will probably be about £150. But i am really pleased

Right i am off to make a cup of tea

Have a great day my lovelies! xxx

Yargo1

morning all

well pay day today !!! woop woop so thats good news!!

let the money paying commmence... so by end of day i be skintos again ... oh well...

lunch from stores at home and a nsd today ... got a voucher for free ww tonight.. as i need to lose two stone before wedding on 23rd June!! aaagh!! hahaha

Have a good day all x

PurpleFairy26

Afternoon All:) It's blooming feezing here - but won't put the heating on whilst just me in the house. An extra layer will do - I'm thinking maybe the duvet would do :rotfl:Not really going to be condusive to getting much work done

List for today:
Gym class - use membership
use up eggs going OOD today for lunch - freeze a couple of whites maybe
meal plan based on what's left in freezer and my lovely meat box that is coming later in week (bought with voucher). I can then plan what cupboard items I need to go around this. My continuing mission to explore backs of cupboards and boldly go where no-one's been for a while to use things, is working a treat :rotfl:
do some work
chicken risotto (HM stock and remnants of a chuck) and left over mincemeat pleat (from Christmas Day) for tea
couple more items on fleabay
pray for watchers to turn in to bidders
post 9 items
chase payment for one more

Think that's about it folks - have a great day :j

La_escocesa

Hey guys

Back again…

Perni - yip, been on freecycle - things always go before I've even had a chance to reply to the add In a way I just want to get it over with because the longer it drags on the more angry I get with OH's parents - they were storing his bed for him in their garage and chucked out/burnt/gave away/lost the bottom of it so it's now completely useless. Boo.

Oooh, OF - you've inspired me. Really must get ebaying again. :T

Few more small things from me today:

I thought I had to buy an airbed for friends visiting in Feb but one couple can't make it now so I don't need to buy it until April when we're getting more visitors. Secretly pretty pleased about this £35 saving, although I'm obviously a bit sad they can't make it

I also got an email from the payroll dept saying they calculated one of my benefits wrong and they'll fix it for Feb and give me a readjustment for Jan's mistake. :T Can't quite remember how much it is but think it's about £25 so that'll feel like an extra £50 at the end of Feb.

I've asked for overtime for 4 extra hours I need to work next week as I need to work til 7pm a couple of nights - may as well get what I'm due… They won't be getting any more free time off me :cool: If they say no I'll work 12-7, rather taking overtime. Either is good with me tbh, but extra cash would be best!

On a bittersweet note, the place we're going to on holiday got flooded and we've had to rebook another camp - we've booked a cheaper one so hopefully getting a £25 refund (depends on whether we need to pay an admin fee for the change to reservation even though it's not our decision…).

Oh well, there are my musings!

Lunch time now!