Monday 26th November - What small DFW things will you do today??!

determined_new_ms

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 guys :wave: hope everyone had a lovely weekend Gosh I can't wait for xmas and having some time off of work, I just seem so tired all of the time! Anyway...

Things to do today:

* call guy about dropping off 2nd hand kitchen
* nip to toolstation and get downlights lightbulbs and drop them here for electrician
* pick up external light as well
* all food from stores
* stick to diet
* transfer cash from bank accounts for cc2 payment into stoozing account to earn 15 days interest on it
* check onepoll
* stay at work and do job application before sewing group rather than driving home and back again
* "[STRIKE]bought" a free book for my kindle[/STRIKE]
* decided to wait on another book for £1.48 - I have wanted it for ages so will get it (the takeaway secret) but am trying to go through the week not spending anything other than for house renovations
* take elec meter reading & send in to supplier
* book MOT
* go to car parts shop for bolts for bumper

that's all I can think of! Have a great day x

OrangeFairy

What a grizzly morning it is here

DNMS- I hope you get a rest from work soon. Well done on all the house renovations!

I hope everyone had a good weekend. We entertained BIL and SIL to dinner, made gingerbread, bought some presents and did a savvy food shop.

From now on in every weekend seems to be busy.

I was made permanent at work on Friday and my boss was so lovely about me I was nearly in tears. I don't take praise well.

Today

Work hard
Work earlier to finish early to see my cousin for her birthday.
bus card to travel to work
Left over hunters chicken for lunch
Dinner at mums
Find an inexpensive top for my bff's daughter
Check banking
Check topcashback
Look out for iPod touch to order for dd1 on the cheapest deal poss

That's me

Have a fab Monday everyone.

OF xx

Nottoobadyet

Good morning DNMS and those who follow!

I have been off the boards for a bit as my life has become a giant mess, financially and otherwise. Have actually never felt so stressed and unable to handle things. Have taken today off as annual leave to try and get things sorted.

In MSE today -

- follow up on case around last weeks burglary (both our motorcycles taken, which are our only form of transport)
- take photos of issues in new house (we've moved last weekend) to send to landlords to ensure no problems when we leave, they seem very reasonable so far
- make chicken soup for lunch using carcass from thanksgiving last week, OH is sick and Im feeling it coming on so perfect timing
- once OH is back at lunch and returns the bike, I'll take it for a quick repair then head into town to prospect for a new one
- meal plan for week and do a veg shop
- buy dog food
- call up new guard for an interview
- try to relax a bit before return to work tomorrow
- maybe gym if the cold relents a bit

Hugs to all, please send any you having going spare this way!

carrielovesfanta

Good moring all

DNMS - thanks for starting us off. I hope you had a lovely birthday and didn't eat too much giant jaffa cake

Orange Fairy - many congrats on the permanant position. It's lovely that you are so appreciated at work

Nottobadyet - I'm sorry to hear you are having such a rough time. Try to look after yourself. A day off to get things sorted will do you the world of good. Have a creepy threesome hug :grouphug:

From the weekend thread - NewlyFrugal hope the dog is ok. LPP - is the swelling going down? If not there could be a bit of tooth still in so do go back if it gets worse.

I had a good day on Sat. Did most of the housework, didn't spend any money and spent some quality time with m-i-l. Then realised that the central heating is playing up (lucky there is an annual service tomorrow!).

Unfortunately got bit of an anxiety attack on Sunday so didn't do as well. Got half way though making some chutney then had to go out so must finish tonight! On the plus side I started plnning out the patchwork quilt that I have been talking about making for 2 years

So today:

Check online banking (all appears normal)

Text b-i-l my bank details so he can transfer OH's Christmas money

Finish and pot chutney

Free dinner tonight at our local. They are doing it up and have a new menu and all the regulars are invited down to try it for free

Gaze lovingly at cleared cc

Charge phone in work

B/L from stores

Not sure what else...

Have a great day all x

PurpleFairy26

Morning all :)Thanks for starting us of DNMS. a big hug for NOTTOBADYET. sorry, can't give you a dodgy group hug as smiles are limited on the tablet I'm on hope things are better after a day on the case

My list for today:

Check banking
Update online shop for tomorrow
Pop out and get an onion for tonight's tea, don't spend on anything else.
Try and exchange some underwear
Meals from stores(bar onion). Left over bacon, lentil and tomato soup for lunch I made yesterday. Someone else was making it last week on here and I was inspired it was lovely and used up leftovers :T
See if I can make any of the insides of the new wardrobes so I can start shifting stuff
Make some HM bread and yogurt

Think that's about all, have a great day everyone.

rising_from_the_ashes

Morning everyone - was up at silly o'clock again but decided to stay in bed and read my book (mainly as the house was really cold) and fell asleep again

Just caught the end of the weekend's thread - headoutthesand thanks for the tip re the ribbon. I always cut these out & keep them but have had no idea what they could be used for!

Thanks to DNMS for starting us off - hope you had a lovely birthday meal last night. I've heard people raving about The Takeaway Secret so think it would be a worthwhile investment. OF huge congratulations at being made Permanent - and how wonderful in a job you enjoy so much:T. Nottoobadyet huge ((((hugs))) from me, sounds like things are really tough , hope everything's sorted soon. Carrie enjoy your meal tonight - that does sound good! Jonno would love a recipe for that soup if you have one? (as it sounds yum!:))


Damp & rainy again outside so will be staying tucked up in the house!

Today's list:

• Had bath
  
• Thermals on ..... heating off
  
• B / L / D from stores
  
• Don’t smoke
  
• Check online banking - couldn't get into this yesterday :eek: Not looking good - see Post 20
  
• Sort cats Yup
  
• Tidy up Yup
• Check spreadsheets up to date Again - not looking good (post 20)
  
• Work on 2013 budgets Think I'm just about there as most insurance costs etc now known:)
  
• Get to grips with S*buck
• Check cat food swap / sale site
• Check e*bay listings
  
• Knit DMs Christmas scarf .... running out of time!
  
• Try to have a walk
  
• Sort winter car kit & put in car! Kit done - not in car yet:o
  
• Find camping stove & put somewhere handy (for power cuts)
  
• Look for offers on dog's food & stock up Found great deal but not bought yet - yup, post 20!
  
• Look for offers on cats' food & stock up As above
  
• Work on monthly budget (payday on Friday!) As above
  
• Work out how much I owe DM (she's been doing my shopping for me) to pay her on Friday Done
  
• Keep an eye on wee cat ..... she's def not herself - wondering if she's got a wound somewhere as they were fighting the other day:( Still not convinced - I did get a good feel down both sides (she went nuts when I tried to touch her yesterday) but seems fine. Will keep a close eye on her for a few days
  

So .... mostly daily stuff for me & a few LO from last week - hope to score some more off the list! Have a great day:)

Lucyv

Hi everyone, please can I join?

DNMS- Good luck with your kitchen renovation, sounds stressful!

OrangeFairy - Congratulations!

Nottobadyet - Hope you get things sorted, sorry you are feeling bad

This week my husband is away on a course he went last night and is back Wednesday night so I am busy with 2 babies, a mental dog and 7 rabbits. On the plus side he has left me the car :j. This afternoon I am going round to my friends house she also has children so we can have a cuppa and they can play. I am cutting her mum's hair she pays me £20 so I will get petrol with this on the way back. Having leftovers for dinner as I've started cooking for 2 days at a time so no cooking tonight

rising_from_the_ashes

Hi Lucy lovely to have you join us - this thread is FAB

I've picked up some great ideas & tips from the others and, writing things down, really makes me do them! (although it can take a few days sometimes!)

mummybearx

Morning everyone!

Today will be a LSD, need a bit of bread, will head to MrT's for it so I can get points added to my clubcard.
Might pop into the pound shop and buy another metal tin for my coins. The two I have at home I've opened with a tin opener Might buy two, one for coppers and one for silver...
Just transferred £30 odds from TCB, have got it in amazon vouchers so its adding on another 5% :j Think it worked out at £33 something, going to buy my nephew a PS3 game with it for christmas. So another 'free' christmas present :j
Need to look on Debenhams website for a present for SIL and BIL. Have a £30 voucher I got from surveys, will try and spend that on them, another 2 hopefully free presents!
Dinner from stores, remembered to take out some sausages from the freezer this morning.
Lunch is spicy lentil soup, made last night, yummy!
Check banking, check if my £9 paypal is in the bank yet, pay it to CC if it is
Do swagbucks, onepoll, check competitions board

Have a good day everyone!

determined_new_ms

Hi Lucy and welcome! Hope you don't go crazy with the babies on your own!

Zepsgirl & jonno can I have your soup recipes also?

Thanks!

mummybearx

Recipe is enough for 6-8 decent sized bowls -

2 carrots diced
2 onions diced
2 cloves garlic diced
teaspoon ground cumin
teaspoon coriander seeds or dried (i use dried cos I don't have seeds)
Add all above to a pot with some oil, gently fry
Add in 400-500g red lentils (rinse under cold tap thoroughly first)
Add in squeeze of tomato puree
Add in a diced chilli (depending on taste, you can add more)
Add in approx 2litres of hot water and 2 stock cubes
Season well
Bring to the boil then simmer for about 40 mins with the lid almost closed.

And that's it :T