Saturday 29th/Sunday 30th September - What small DFW things will you be doing today?

katy_ann

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:

Morning everyone! Im feeling pants today, hence me being up early enough to start this thread! But today I will hopfully

- Washing, full load and outside to dry
- Post off ebay parcels
- Re-list items on ebay and look for more to sell
- Check online banking
- Send off my papers to CCCS to finalise my DMP
- Possibily see a friend, depending on how Im feeling!

Happy weekend everybody! xx

allydowd

Thanks katy_ann.

Today I'm still preparing to move home. I will:

~Enjoy watching the baby coal tits on the bird feeder; free entertainment. We're named the smallest one Punky on account of his hairdo. Done.

~Label boxes in hall cupboard with contents and destination. Done.

~Lift temporary paper floor-covering in hall.

~Go to Ikea and buy as much as possible for as little as possible. Aim to spend £10. Done.

~Source more free cardboard boxes.

~Clean up and repair my late father's toolbox for use and apply cold candle wax to the runners so the drawer opens easily. Done.

~Make list of questions to ask at second viewing of the house. Done.

~OnePoll Done.

~Make a backup copy of my finances spreadsheet by emailing it to myself. Done.

~Clean sole plate of iron with 'fake' Astonish paste. Done.

~eBay a box of stuff I thought I'd already sold. :eek:

~Put kitchen chair cushions on Freecycle to liberate them. I making new ones to match the new kitchen. Done.

determined_new_ms

Morning :wave: thanks for starting us off katy_ann! Alley how's it all going? We are now in the final throws of the packing - just need to finish off our bedroom, the kitchen and our dresser in the lounge and then we're done! (apart from all the things needed for the week of course!)

Today's tasks:

* all of ^^
* check banking
* yesterday I received a letter from Halifax saying they had reassessed my PPI claim from last year and owe me £16.78 :T and have sent me a cheque :j so that takes my £78 massive overspend on vodafone down to £17ish (received £43 interest on isa I closed down as well)
* all meals from stores - leftover chilli as we had a takeaway last night
* going to find a pattern for my sewing group and some material or some practice material in a minute
* couple of loads of washing and dry on dryers
* go to ex-mils and collect some boxes
* go for a swim or a walk and sauna to relax later
* film and cider later with oh :T

ok that's me. Hope you all have a great day. Alley hope you are coping with the madness, its starting to get to me! Re the towels - we have about 20 :rotfl:

ziggy2407

Good Morning All

katy-ann - work on a Sunday? Hope its not too bad for you x

Hi to all the regulars and welcome to any newbies that join this FAB group :wave:

Today I will try:

Check Banks -
Check swapits -
Line dry all yesterdays washing -
Dog walk x 3 -
Shoppping with list -
Keep up to date on Emails -
Keep up to date on surveys -
Little bit of filing -
Prepare Christmas list -
Quick tidy round -
Meals from stores (leftover stew with mash, veg and yorkshire puds -mmm) -
Food Tracker - in progress (37lbs off so far)
Read (library book - Lesley Pearse "Belle") - in progress
Comps -
10 mins on Yantra Mat -

Well better get off and make a start, hope you all have a great day, love and best wishes to you all

C xx

allydowd

determined_new_ms wrote: »

Alley how's it all going?

Alley hope you are coping with the madness, its starting to get to me! Re the towels - we have about 20 :rotfl:

Hi DNM.

It's going fine but it's getting to my partner.

Ally.

carrielovesfanta

Hello all,

Ally - lol at the bird. I saw a kestrel today in work!
DNMS - good luck with the packing
katy_ann - well done on sorting your dmp
ziggy - you mentioned the C word! :xmastree:
I have been lurking a little bit but didn't feel I could show my face until the London gig overspend on the cc had been wiped away. Felt too guilty and un-mse.

However, as of today, cc number 1 has been wiped clean! It is £0! :T So happy right now and itching to have a go at the bcard now.

Also recieved a £15.84 tax rebate (well every little helps :rotfl:)

In work today wo will earn some lovely overtime to put towards it (or maybe Christmas shopping? shhh too early! - although ziggy has mentioned it, that makes it ok)

Hope you all have a good day

jubilee14

hi still quite new here and trying to find new ways to save/spend these boards are a real help.

Today i will

Do washing and hang out its cold but dry
Take 1nr child to a party and sleepover ( saving of not having to spend on them for a full day)
take other two children to park with a picnic
Have dinner from stores either pork chops or chicken casserole
TIdy up house again
Night in ( as usual but cheap and cheerful)

welcome any tips on saving particularly with young family

x

Pernicious

Morning all,

Thanks for starting us off Katy-Ann, hope you're feeling less pants now!
Ally & DNMS - Hope your preparation for moving is going well.
Carrie - Well done for clearing your cc! :j

I didn't post yesterday as I was a very naughty girl It was our annual Summer do where the company pays for us to go to London, have a few drinks & nibbles & socialise...however myself & a couple of others always overdo the free wine! Usually this is ok as we just have a laugh & somehow get home in one piece, but I was meant to come home early & go to my second job!! I ended up getting back about 10 minutes before the start of my shift completely blotto!! There's no way I could have worked...fortunately my DH had already rung my boss when I failed to text him back to say I'd got on the train! I feel like such an idiot today having let the pub down I will feel even more of an idiot when I have to face them later...

So that's my confession of the day!! Time to move forwards swiftly, so today I plan to:-

• Food from stores
• Log calories using free app
• Charge phone via pc
• Check online banking & transfer funds thanks to payday yesterday
• Surveys
• Must declutter a bit & do some flylady as there's lots in need of doing
• DH doing overtime today
• Dinner from stores
• Washing on eco setting using less than the recommended dosage of washing liquid
• Hang up to dry
• Heating off
• Study
• Free exercise on my pole
• Work exceptionally hard at my second job tonight & apologise profusely!!
• Catch up on yesterday's thread

Have a great, MSE day everyone x

PurpleFairy26

Morning all. Thanks for starting us katy-ann wow, you all seem to have very busy weekends planned. I'm currently having a cuppa whilst reading my good food mag

List for this weekend:
Made soup - done- used frozen BNS
Meals from stores
Friend over for a few hours, will stay in and drink tea :j
Take DD swimming, use membership
Continue with declutter of spare room so we can get wardrobes put up
Make list of what I want to do on my three days of this week :j
Try and buy couple of Christmas presents

Think that's about all

Have a good weekend

Asiacat

Evening (as it is over here) from sunny Thailand.for 80

1. Attended the auction this morning bought 30 books for 770 baht. Went to the local English second hand bookshop and m sold 8 of them for 80 baht each. I will sell the rest to the same guy over the course of the next week. If I take too many at once he will want a discount.

2. Photographed some antiques from the back room at the local auction house and sent them by email to the main international antique auction house in Bangkok. If they give me a favourable valuation I will buy them and take them up. The beauty of this is that I don't even have to purchase the antiques until after the Bangkok experts have given me a valuation.

3. Picked up a part time contract teaching English for 20 hours for 8000 baht (about 160 pound) not much in England but it goes a long way in ultra cheap Thailand.

4. Spent about 4000 baht all in all at the auction which hopefully I can sell on for around 10,000 baht over the course of the next month.


5. Not done yet but plan to watch my team Sunderland on the big screen downtown tonight. I will stretch one drink (45 baht) for the whole game allowing me to ride my motorcycle there and back. Sure beats the 50 pound match day expense I had when watching them in the flesh in England.

6. Collected 600 baht daily loan repayment (includes 110 daily interest) from the aforementioned book shop owner.

little_pink_purse

Afternoon

thanks for starting us kath ann

dnms wow i love moving wish it was me hehe

its been a busy day managed the bank and the butcher then met my bf for lunch
after that i went to see my friend she have been very ill and it look like shes lossing the fight i held it together them drove home crying all the way i must be strongxxxx

so my todos are
cheer up
check my banking and bills
do shopping list
wash on
some ironing

hope your all having a good day

xxxxxxlppxxxxx