Tuesday 2nd April 2013 - what small things will you do today ???

Candy0107

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. :money:

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 :j



Morning gang :j

Thought I'd start the thread as I am wide awake and raring to go to work :j

On the plus side, it is Tuesday

Hugs to those that need them and hi to all newbies :j

Today I have/will:

• Checked online banking - no change
• Read papers online and the freebie paper on the train
• Split ticket to work (saving about £5)
• Need to make a coffee for the journey as I think it is freezing out there
• Meals from stores
• Need to phone the agency to arrange the second interview
• Aim for a LSD - may even be a NSD
• Need to have an early night
• Need to work stupidly hard at work
• Bite my tongue when it comes to dealing with my twit-ish team leader

Think that's it for me

Take care all
Candy xxx

Karb

Morning everyone. I don't normally feel the cold, but brrr its chilly with no heating in the house.

Checked online banking, and all is as expected. The dd's which normally go out on the 1st have all gone this morning.

I have a dentist appointment at 9, which I knew about because its on the calendar, but I hadn't factored in when planning my budget. So, not as much cash to throw at the debts as I thought

I've made salad for work, and will walk to the dentist and then onto the station, so no fuel costs today. I need to stop off at Aldi for a couple of things on the way home so I'll take carrier bags with me to work too.

Other than that its just all the normal stuff from me.

Have a great day all

starnac

Morning all. Hope everyone had a good Easter weekend. My kids are going to the childminders today (prebooked) so I have the day to myself to get some work done.

My list today

[STRIKE]Check banks[/STRIKE]
[STRIKE]Daily clicks[/STRIKE]
Tidy and sort spare room
[STRIKE]Type letter[/STRIKE]
[STRIKE]Send 2 emails[/STRIKE]
Order new books for church
Plant veg
[STRIKE]Repair DD's dress[/STRIKE]
Work on youth weekend I've done some reading
[STRIKE]Organise expenses ready to be paid[/STRIKE]
Make day zero list
[STRIKE]Meals from stores[/STRIKE]
[STRIKE]Heating off[/STRIKE] (only me in today)
[STRIKE]Make present for friend[/STRIKE]
[STRIKE]Go to chemist for DH[/STRIKE]
[STRIKE]Cleaning for friend later[/STRIKE]
Crocheting this evening
Early night?

That'll do me I think

Happy Tuesday everyone

lulabelle

morning guyes.

sorry to be on a downer but I really can't face work today to the point where tempted to phone in sick (I won't as too much to do plus looks terrible after a long weekend). Just really cannot face doing this job for the nect 30 years - will put me in an early grave but no idea what else I could do/be good at!

Am also well annoyed with myself since after achieving so much fri and sat, the night at friends on sat (with loads of booze) wiped me out and made me depressed for the last 2 days and did nothing! I really think that for me, giving up booze totally is the way to go.

Right, get more positive I suppose. Today I will:

-take dvds back to blockbuster so no fine
-will have to buy lunch as nothing in but will keep it cheap and have dinner from stores
-free tea/coffee/water/elec at work
-training tonight which is cash but only 7.50 and am sure the endorphins will make me feel better and lift me out of this mood (plus stops me stuffing face for that period and will spur me on re weight loss as have also put back on the 4lbs I had lost!)
-watch stuff on sky box tonight (cannot wait until tomorrow as scott and bailey starts again - love that!)
- heating down
-will use washing machine on cheaper rate tonight

AND try to stop whinging and thinking woe is me when actually I am bloody lucky to be healthy and have a good job when I know people battling with cancer and the like.

determined_new_ms

Morning everyone :wave: thanks for starting us off Candy, hope work is good today.

Karb ouch I do feel for you, must be real cold! I don't know what its like where you are but its a little warmer down south at the moment.

Starnac enjoy your day off

lulabelle sounds like you have the alconioas today (((hugs)))

hurrah I am off today & tomorrow as well :j My DFW plans look like this:

* [STRIKE]check banking [/STRIKE]
* [STRIKE]reconcile spreadsheet[/STRIKE]
* all meals from stores - think I will do hm pizza's for dinner mmmmm
* [STRIKE]do a load of washing at 30 & hang on airers - might even be able to put them outside [/STRIKE]
* [STRIKE]do an hour of charity finances[/STRIKE]
* [STRIKE]quick shower, tie hair up[/STRIKE]
* cycle to ex-mil's for coffee & see if she'll mind me printing something off of her printer mil was busy so went for a 30 min walk around the village & registered with the gp instead
* [STRIKE]write a letter/email of compliant about disabled access when I took ex-mil out for a meal[/STRIKE]
* plant some seed - is it too early given how cold it is??? I need some advice!
* [STRIKE]box up/clear spare room[/STRIKE] & start stripping wallpaper :T
* [STRIKE]NSD again as not planning on going near any shops![/STRIKE]
*[STRIKE] received free pregnancy book for dd through the post [/STRIKE]
* signed up for free 1 day gym trial for Sunday

ok think that's enough to keep me out of harms way!

foxgloves

Hi,
Still not feeling too good, though managed to eat some breakfast, so I've got all my jobs out of the way early so I can put my feet up with a hot water bottle, knitting & some catch-up TV for the rest of the day.....well, until I crack, I'm not much of a daytime TV viewer.
Have made bread dough, meals as per this week's meal plans (home made burgers in home made rolls with salad....that's if I fancy one by then, if not, it's 2 for Mr f!), managed to use about half an hour of Economy 7 on some washing & got it blowing outside on the line. Definitely won't be spending anything as still can't venture too far from the loo.......ooooh, lovely, NOT!!
It's so cold, I've lost 2 baby tomato plants to cold damage in the house AND they've been in the warmest room!! Have cloched them all with little recycled clear plastic containers saved from stuff like coleslaw/hummous, etc, & put them on a windowsill above a low radiator to see if I can save the rest of them. I'm quite green-fingered, been growing veg for years, so it's clearly going to be another mad year!
Well, bread-maker is pinging, so will crack on.
Have a good day, everyone,
foxgloves x

zenshi

Ringing the bank to see if they will refunds charges, may be on phone a while!!!
Washing on line, there's a good blow here and try and tackle the spare room for stuff I can sell!

debtfreesoonihope2015

Hi everyone... what are these meals from strores you all keep mentioning? I'm looking to cut down of grocery spend

MinnieMousesMummy

Good morning everyone.

My list for today:

• [STRIKE]Tidy the kitchen and clean the slow cooker ready for use[/STRIKE]
• Laundry - full loads, empty TD, check airer and move to ironing pile, do handwashing Work in Progress
• Do some course work
• Free Pamper Time - cut and paint toe nails
• Do some of ironing pile and put clothes away
• [STRIKE]Quick shower[/STRIKE], [STRIKE]Get the kids organised[/STRIKE]
• [STRIKE]All meals from stores - hm pizza for dinner going to try and use the slow cooker for the pudding (could be interesting as never used it before or made the recipe)[/STRIKE]Didn't realise that the pudding needed 4 hours in the fridge to set so I have made it today and we will have it for pudding tomorrow
• [STRIKE]Check postcode lottery, Swagbucks, Swapits, Topcashback[/STRIKE]
• [STRIKE]Surveys (remember to check one poll)[/STRIKE]
• [STRIKE]Declutter and flylady[/STRIKE]
• Package up the ebay item ready for returning tomorrow
• [STRIKE]Look online for ideas of ways to make labels for the veg plot. Any ideas on this welcome[/STRIKE]I've saved some empty milk carton for planting in but will need to cut some plastic off the top so I am going to use this plastic to make my markers, will aim to do this tomorrow.
• [STRIKE]Order the much needed clothes online (max spend £50 as this is what has been taken into account in budget)[/STRIKE]
• Trip to Argos tonight as I need to get ink for the printer

I think that is everything that I need to get done today. Hope everyone has a good Tuesday x

starnac

debtfreesoonihope2015 wrote: »

Hi everyone... what are these meals from strores you all keep mentioning? I'm looking to cut down of grocery spend

Hi it just means that all meals will be made from what stores you have ie what you've got in your cupboards/freezer/fridge etc rather than buying a sandwich for lunch or takeaway for tea etc

Asiacat

lulabelle wrote: »

morning guyes.

sorry to be on a downer but I really can't face work today to the point where tempted to phone in sick (I won't as too much to do plus looks terrible after a long weekend). Just really cannot face doing this job for the nect 30 years - will put me in an early grave but no idea what else I could do/be good at!

.

l

I've been there. I used to work in I.T in the UK but after some initial success in my career I stated to feel I was in a rut.

So in 1999 I sold up and came to Thailand to live (My favourite holiday destination).

Love the place. Make a decent living teaching English, writing for travel guides as well as a little buying and selling (all legal).

Never looked back. I doubt if I will ever set foot in the UK again.