Tuesday 27th 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 I had an absolutely rubbish day yesterday, my work is just a ridiculous place to work. I had a decision last week and told the staff. Yesterday was the team meeting and the director comes along out of the blue. At the end of the meeting one of the members of staff comes out with they don't agree with the decision and the director backs her up. It happens all of the time anything she doesn't like she goes to him and he gets involved rather than saying D is your manager go and speak to her. So undermining and also rude to deal with it in front of everyone rather than say speak to your manager. He gives me no direction and tells me to make decisions and when I do he goes against me in front of staff. So sick of working there!

Anyway so didn't get very much of my tasks complete!

Things to do today:


* 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
* contact sewing group and see if I can go on Weds as I didn't go yesterday
* take gas & elec meter reading & send in to supplier
* book MOT
* go to car parts shop for bolts for bumper
* start job application - this time I'm not joking any job apps I do now are going to be master pieces and get me an interview!
* check banking & cc statements

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

little_pink_purse

morning sorry to hear that dnms
hope you find a new job soon

sorry i missed mondays post it was a busy day
i had been up all night with my teeth/gums etc iam now on more meds as i have a mass infection joy
fingers crossed this will be a end to it

todays todo
wash on
check banking
ironing this is from the weekend grr
hoover
meals from stores
get ready for work
smile lol

bettter get a move on xxxxx

Lucyv

Hi :wave:

Oh no that sounds like a really rubbish day I hope today is better for you.

Yesterday I didn't spend and money and earned £40 in haircuts rather than £20 :TBut I think today will be a different story as I was up all night with the children, they were finally asleep by 5am and then I couldn't sleep so in the end I got up and have cleaned the bathroom, got the washing on, cleaned out 2 rabbit hutches and had a cup of tea and it's only 8am! Now I am exhausted and feel like going and spending all my money on chocolate.

Today-

• Go and get £20 petrol that I didn't get yesterday
• Need to go to the shop and get light bulbs, milk, milk for next door to pay back what I borrowed, I've run out of fabric conditioner but am not going to get it today to save money!
• Might be meeting my friend at Costa but am going to see if she fancies Sainsburys cafe instead because it's cheaper
• Going to rhyme time a free baby group
• Might be going round a friends house later so the children can play
• Going to cook enough dinner for the next 2 nights
• Going to meal plan and do a food shop through money supermarket

rising_from_the_ashes

Morning all

DNMS .... re work, that's not good , been there & it's awful. Fingers crossed you find something soon. LPP ouch to the infection , oh dear, this bloomin' tooth is going to make sure you don't forget it in a hurry! Hope it settles soon. Lucy congrats on the extra hair cutting money (really wished I'd learned a sellable trade IYKWIM - would be really handy to be able to earn a bit extra cash now & then)

My list for today:

• Had bath Do like these morning baths!:)
  
• Thermals on ..... heating off Heating on for an hour earlier but house is reasonably warm atm:)
• B / L / D from stores - making Turkey Curry from a huge pack I discovered during the freezer inventory the other day!:T
  
• Don’t smoke Day 46 & it's finally getting a bit easier but do still really want one now & then
  
• Check online banking Done - not good on the OD front - have transferred some money back to the raided pots
  
• Sort cats Done
  
• Tidy up Cleaned kitchen
  
• Check spreadsheets up to date Done
• Work on 2013 budgets Think I'm there! Lots of tweaking done (and will prob do more over the next few weeks)
  
• Get to grips with S*buck
• Check cat food swap / sale site Been offered another swap so that's great
  
• Check e*bay listings Nada ....
• Knit DMs Christmas scarf .... running out of time!
  
• Try to have a walk
• 
  
• Put winter car kit in car! It's in!
• Find camping stove & put somewhere handy (for power cuts)
  
• Work to find solution to OD problem - do I transfer everything owed back to the pots & make the OD huge:eek: and start afresh in the NY? Have transferred some funds back .... debating about the others!:(
  
• Thought of a couple of things that might e*bay - dig them out, take pics etc so ready when there's next a FLD
  
• Phone Dr - not heard from hospital re appt this week Not resolved - phoned & left message - Dr phoned back & said needed to contact hosp & would me back. Dr phoned back but I then had to phone hosp .... then had to phone Dr back - but surgery now's started so ..... waiting for Dr to call me back ..... *sigh*
  
• Keep an eye on wee cat ..... still not 100% convinced. She seems OK but is very grumpy (even more than normal ... she's a tortie _pale_ and they're very tempermental anyway!)
• Added why, oh why do I do these things ...... decided to reorganise kitchen worktops - will prob spend hours moving everything, decide I don't like it and move it all back again :rotfl:Have sorted out the (awful) shelves - moved things around a bit and have now managed to get everything pan / gadget wise on them by putting things like cookery books into a space in a cupboard .... actually looking a bit better I think :T
  
• Added after seeing Stitchy's list of HM baking ..... make a loaf & also do a banana cake to take advantage of the oven being on (have bananas to use) Hope the bananas will keep until tomorrow:o
  
• Added see what shopping I actually need - have a £4 off £40 spend but really don't think I need that much! Spent £18.30 @ local shop - more expensive there but cheaper than spending £40 @ SM & having to pay for delivery - should last until the weekend
  

Have a good day everyone:)

mummybearx

Good morning everyone!

Little pink purse, hope you feel better soon. Sounds like some strong antibiotics are needed

Well, today I will -

Check cashback, see if anything else is available to 'claim' Yup £27 ish woop
Check banking No magically appeared money lol
Do Swagbucks target met
Check Onepoll Done
Check competition boards Done a few
Breakfast, lunch and dinner from stores 2 out of 3 so far
Will spend 40p on bread for lunch, otherwise it's a NSD TOTAL NSD!!!
Need to check my boots points and get a new card delivered Done
Do more of my cross stitch gingerbread man tonight

And that's about it

stitching_witch

Morning all, and thanks to DNMS for starting the thread today. Work sounds awful so good luck in finding a replacement. I know how it feels to be somewhere you don't want to be. Keep your chin up lady!

I've swapped my day off this week as I have training tomorrow, but it will be a busy day here catching up on all the housework I've not done whilst getting ready for the craft fair.

So far:

• washing, washing up and porridge all done on Economy 7
• fed and watered the chickens and let them out to free-range - I can charge more for the eggs that way
• hung washing on airer in front of the only radiator that's on
• checked banking - £2.37 to last until payday on Thursday, but I don't need to spend anything before then
• checked for surveys
• £10 Am@zon voucher claimed from Onep*ll :j

I will also:

• make granola in the slow cooker
• keep an eye on surveys
• contact PO regarding two items of missing mail ~ a parcel and a letter from the hospital :mad:
• blitz the whole house
• sort out the sewing room so I can get back in it to work
• make egg and bacon quiche for dinner from stores
• make bread
• make coffee & walnut cakes whilst oven is on
• make biscuits whilst oven is on
• take corset samples out to a club meeting tonight - drinks on DH!
• all meals/snacks etc from stores
• have an NSD

Wow, I'd better get on with it I suppose!!
stitchy x

rising_from_the_ashes

stitching_witch wrote: »

• make egg and bacon quiche for dinner from stores
• make bread
• make coffee & walnut cakes whilst oven is on
• make biscuits whilst oven is on

Ohhhhhhhh my mouth's watering!

I might actually attempt to make a loaf of bread - sure I've got some bread flour I bought for the "emergency snowed in cupboard"!

Casperthefriendlyghost

Good morning everyone!

DNMS Thanks for the thread, time to stop lurking and to join! I'm sorry about your troubles at work, I know what that's like. Am trying desperately to get out of my job and am joining several agencies so I can leave and do full time agency jobs. Been doing it for 2wks during my leave and it's been stress free and I'm really enjoying it. There is however another job lined up in case that doesn't work. Had a training day yesterday so need to do a few more bits today.

LPP I'm sorry about your horrid tooth! Hope it gets better soon.

Today I will do/attempt to do:

*Make GFree Mince Pies and mini egg & bacon quiches. I cheated and bought the mince already made. Want to find a recipe and make my own next time. I love mince pies, they're my favourite thing about adopting this country as my home. We didn't eat them at home ~ Done

*Stick to my calorie allowance for the day. I'm doing 2 in 5 and today is a eat normal amount of calories to lose weight ~ Done

*Update my budget, spread sheets ~ Done

*Online banking ~ Done

*Have a NSD! ~ Done

*Do some more work on my Matt Smith cross-stitch ~ Not done ;o(

*Take meter readings and submit them ~ Not done ;o(

*Finish my online training for the agency ~ Not done ;o(

*Meal and calorie plan for the week ~ Done

*Prepare kitchen and lounge for tomorrow. Having new windows put in. Am dreading the mess and need to clear the area for the guys to do the work ~ Done

*Do surveys ~ Not done ;o(

That's quite a list to be getting on with! lol

Have a great day everyone!

Cheers
Casper
xx

carrielovesfanta

Afternoon everyone!

DNMS - thanks for starting us off, but sorry to hear about the work situation

LPP - sorry to hear about the tooth/infection

Casperthefriendlyghost - welcome to the thread :wave:

Yesterday I chopped up the cleared cc :T

I'm stuck at home this afternoon waiting for the boiler man (or lady). It's the annual service but something is amiss so it's good timing. still waiting ho hum

Had a letter from letting agents with tips on reducing condensation so will try following some of them.

Also, in other very good news, I got a pay rise in work :j and it will be back dated to 1st November

So today's list:

Finish chutney - done but it spat on my face and burnt my cheek

Try not to use too much extra elec because of being at home

Check online banking

More research on insurance - need to carefully go round and tot up how much we own

Ring vodafone again about internet dongle. Still not working right. - still not working after call. poss slightly better than it was though. decided to call again. Getting annoyed that they won't answer my questions, just run me through standard troubleshooting scripts.

B/L/D from stores. Got my veg box today so hopefully can think of something nice

added: darn socks (have very sharp toenails apparently!) - done

Think that's me. Have a good one

Pernicious

Hi everyone,

Thanks for starting us off DNMS, sorry to hear about your work woes, I feel very unmotivated where I am too if it's any consolation! Not having any luck looking in the local papers though.
Lucyv - Aww that's lovely that you breed rabbits! We have just the one bun left now, she's mad lol.
RFTA - Day 46 :j You're doing so well.

Yesterday's plan didn't go so well...must try harder today!

Today I have/will:-

• Made use of free water at work
• Staying in for my lunchbreak to avoid spending
• Leftovers for lunch
• Food from stores
• Dinner from meal plan - Omelettes
• Charged phone at work
• Heating off as long as possible, lots of layers are the way forward
• Daily clicks etc on Sw@gbucks
• Log calories using free app
• Check online banking
• Surveys
• Declutter & flylady
• Check for new mystery shopping opportunities
• Enter some comps
• Need to update grocery challenge still...I have completely lost track of it now, all I know is I am over budget by a lot!
• Sort out items to return to New L00k
• Do some sort of exercise tonight, even if it's just dancing around like a loon whilst tidying/cleaning! :dance:
• Look online for job opportunities
• Make a list of everything I still need to buy for xmas, most of it is sorted now thanks to Clubcard vouchers & Black Friday sales!
• Wash a load of clothes I'm planning to sell at the car boot sale on Sunday, they're clean but have sat around for months so could do with a freshen up! Will only use the quick 15min cycle & will hang up to dry

Have a great, MSE day everyone x

determined_new_ms

I have a job interview for next week :j gee I needed my luck to change! :T This will give me a massive confidence boost