Monday 21st January - What small DFW things will you do today?

Karb

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. Still plenty of snow around this morning, but thankfully it isn't snowing just now.

Today's weigh in showed a 5lb loss since last Monday :j Although I had been good with my eating and exercise most of the week, I did have a bit of a blow out on Friday so this was far better than I had expected.

Today I have/will

• Check online banking
• Make use of free toiletries in the shower
• Take lunch with me to work (made a salad to go with some chicken left over from yesterday's roast)
• Walk to station then rail pass to work
• Free coffee/water at work
• Read free paper on train
• Meals from stores
• Have a NSD
• Charge phones at work

Think that's about it for now. Have a great Monday everyone

stitching_witch

Morning all and thanks to Karb for starting us off. Do you think you could put a smily face on the title so we can find it easily? Thanks x

rising have a good first day back at work and don't overdo things x

So far today:

• Hot porridge for breakfast
• Fed and watered the chickens
• Gathered soup and buttered bread for lunch
• Checked banking - bad but no worse than I thought:o
• Checked for surveys - although lots won't work on the iPad :mad:

I will also:

• Get a lift to and from work with a colleague
• Drink free coffee and water at work
• Check for surveys throughout the day - I can get them on the work's computer
• Knit at lunchtime to avoid the shops
• Try to stay focused at work and not get too stressed
• Stuffed peppers for dinner from stores - use up two peppers which may otherwise get forgotten
• Light the fire and burn salvaged wood
• Do a couple of hours on my household folder tonight then carry on knitting
• Have an NSD

That'll be a good start to the week! Keep warm and safe folks,
Stitchy x

ziggy2407

Good Morning my lovelies

Karb - Thanks for starting us off and great weightloss
rfta - Dont overdo it at work today

Quite a bit of snow here today and still snowing but doesnt feel as cold and school is open (for now) so business as usual.

Hi :wave:to all the regulars and lurkers and a BIG welcome to all the newbies, this is a really FAB thread with so many lovely, caring, considerate and supportive people - and I am proud to call them my friends.

Today's small things:

Check Banks - Done
Check swapits - Done
Check www.freepostcodelottery.co.uk - Done
OH & LO packed lunches - Done
General Tidy up - Done
Ironing - Done a bit
Work (11.30-2.00) - Done
Exercise - just walking (again)
Up to date on main email account -
Update Food Tracker - In progress
Meals from stores - Done
Enter a few comps - Done a few

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

C xx

wobblytum

Hello! I'm a newbie!! Not really sure what I need to do but my plan is to hang washing up not in dryer,
make some biscuits with the kids for treats/packed lunches this week
Find some cheap envelopes on eBay so I can start selling my cake toppers again!

And not spend any money (apart from Paypal balance on envelopes)

La_escocesa

Hello there :hello:

Here’s me:

Cheapo porridge brekkie

Packed lunch

Free tea at work

‘Found’ £63 in mine and OH’s paypal – P!necone survey money :T

Free exercise playing with the pooch in the snow and the long walk to work

Missing yoga tonight – will do some at home – don’t want to drive in the snow

£30 MS tonight – all online from the comfort of my bed

Cut the top of my hand cream tube a week or two ago and have loads left :cool:

More promotion of my soon-to-be yoga business – if you’re at all interested in reading/sharing my yoga blog you can find it here: yogaflowsheffield.blogspot.co.uk

Happy Monday everyone. Pah, to Blue Monday – this is no way going to be the most depressing day of my year!

mummybearx

Morning all!

I've been AWOL for a few days, sorry

Guy was here plastering our whole hall and he done the bathroom ceiling, now the house is needing a massive clean All I've been doing is sweeping and mopping, hoovering and dusting, need to do it again today.

I'm off work today and tomorrow, it's my birthday tomorrow and I always take it off work. Who wants to work on their birthday :A

So, plans for today.

Check banking. I'm in the overdraft, need to work out how bad it is
Nsd, don't need a single thing!
Swagbucks, onepoll, competitions boards
Need to make a start on doing a full stocktake of the kitchen

X

stacey2193

Hello all, work at 1300 - 2300 for me.

So far today:
Visited chiropractor for treatment
Checked bank
Walked past SM WITHOUT going in to buy anything
Prepared lunch ( left over casserole from slow cooker )
Eaten breakfast
Spends today will consist of fuel as five shifts this week and commute 80 miles each shift.

Washing machine has been broken ( not spinning or draining) so last night I took the filter pump to bits and cleared it and this morning asked lodger to put it back together and put a wash on to see if it works ( trying to avoid calling out expensive repair man)

Made dental apps for me and DD

Time to get ready for work I think, need to leave in under an hour and get fuel en route

Have a good day one and all

Much love
S x

foxgloves

Hello Snowy people,
Today shaping up to be a peaceful NSD. Quite a careful weekend too, as only bought essentials on Sat from my monthly allowance (couldn't go for shopping trip as roads bad, which meant I wasn't tempted)...also I found the exact wool I needed in a charity shop. Whooo-hooo! Sun - v cheap day...only bought a newspaper.....in fact, went halves with partner!). Went to local park for long snowy walk & took sandwiches & flask to avoid paying £12 for lunch. (Eaten in 4 ins of snow!!)
Today:
-All meals from stores.
-No downstairs heating on this morning, just wearing lots of clothes.
-Aiming to have a really good knitting afternoon to try & get loads more blanket squares knitted (nearly all wool from stash, yay!)

Karb: Hello. Well done on your weigh-in. 5lbs is a really great amount for a week. I weigh in first thing Saturdays & lost 4lbs, but mine's not 'new weight' yet....am still getting off the 10lbs I put back on over Christmas (why did I make so many little sausage pies?!) I'm finding that the same skills & mentality that helped with busting our debts is helping with sticking to the BIG weightloss project. Good luck with your dieting. It's great when the scales show a good result, isn't it?
That's it for today. 4 ins more snow overnight & only just stopped so I'm staying in.
Cheers,
foxgloves x

carrielovesfanta

Hey all,

Thanks to Karb for starting the thread off

Thank you to everyone sending me hugs and get well wishes. Thought I was ok yesterday, but feel funny again now I'm back in work. Starting to wonder if illness could have been/is stress related?

Anyhoo, spoke to OH about the debt repayment/car mot/pay day moving/car insurance pile up and have decided on the following plan of action:

Only pay minimum off cc for next few months (until pile up over). Min is £35 and is 0% for a little while longer (don't actually know when it runs out though think it's April)

During this time, stockpile all extra cash that would have gone off cc towards MOT (poss repairs/tyres etc), month's rent in hand because of pay day move (means will not have to borrow off dad) and car insurance (would have to have paid on card as usually about £200 dearer to pay monthly!)

I estimate that as long as the MOT does not total more than £500, all these costs can be met on time with approx £100 left over.

Although this does not make nice viewing on my spreadsheet, I think it is the best way forward without bobbing in and out of debt and worrying. However if anyone has a better plan I am very happy to hear it!

So today I will try to be good by:

Keeping heating off if poss. Did cave in yesterday evening :cool:

Go to supermarket to buy sugar to finish marmelade. Also reboil first batch as it didn't set (first non-setting jam failure)

Also buy lunch (didn't make any this moring because felt quite sick and thought of looking at food not good)

Check online banking

Tweak spreadsheet to match plan

Think that's me. Have a good one guys xx

tryingtocutback

Hi everyone

Thank you karb for starting the thread and well done on your fab weight loss!

Im at work and not feeling so good today so just a little list!

Check bank
1 x load of washing
email friend
read paper online
all food from stores

Thats all i can think of - just off to get a coffee in the hope it perks me up!

Have a good day all.
xxx

Pernicious

Hi everyone,

Thanks for starting us off Karb. Congrats on the weight loss.
Welcome Wobblytum!
La e - Wish I'd find that much in my paypal account! Will have to check that tonight
Zepsgal - Happy Birthday for tomorrow! I don't like working on my birthday either.
Carrielovesfanta - Take care of yourself, I hope you feel better soon.



Today I have/will:-

• Manually scraped the ice/snow off the car
• B/L/D from stores
• Made use of free water at work
• Print Mr T's voucher off at work
• Log calories using free app
• Check postcode lottery
• Charge phone at work
• Heating off as long as possible & on low when needed, although this is getting more difficult with such low temps at the moment
• Checked online banking, hope refund is showing today
• Check for new mystery shopping opportunities
• Enter some comps
• Check Gumtree & see if I've been accepted to the FB selling group
• Continue reading household diary thread & making my own freezer inventory/filofax sheets etc.
• Do some surveys
• "Free" guitar lessons on Rocksm1th
• Check in local paper for jobs
• TKD cancelled tonight due to weather so I plan on being productive tonight! Let's see how that goes...

Hope everyone has a great, MSE day x