Thursday 16th May - What small DFW things will you do today?

josiebabie

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. :T

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. :money:

So be proud of those small steps, they really are important.

Morning everyone!

I've had a few days off the thread recently, I was being good but then slipped yesterday and went to the shop across the road from work :eek: so thought I'd better post!
I have 16 minutes left on my laptop battery so that's a good enough kick up the bum to get dressed etc.

This is me today:
- Check banking
- Quick shower and hair wash
- Hot water has been off since Sunday!
- Breakfast/dinner from stores
- Packed lunch
- Leave purse at home so I don't visit the shop
- Check the netball league table after our win last night (51-15 :j)
- 1x HC when I get home tonight on quick wash
- Speak to OH about replacing other wheel bearing :mad:
- OH to speak to his mother about logistics of house moving, I really don't want to pay ANOTHER month's rent on this place after June.
- Look for recipe/instructions for key lime pie to make for girlie night on Saturday night
- Do a little bit more painting when I get hom tonight, not going to push it though as I am exhausted from this weeks activities.
- Sparkle!

Hope you all have a lovely day today, looks like the weather is going to be acceptable here today. Wohoo!

Jx

carrielovesfanta

Morning all. Hugs to anyone that needs them

thanks to josie for starting off the thread. I need to go and catch up with yesterday's too cos I spent the evening proof reading my b-i-l's dissertation.

I was probably a bit unfair about OH's Brazil trip. Basically one of his lecturers used to live there and he has offered to take 5 of the students to go and teach master classes for a week (and to learn about Brazilian music too I assume). It is an amazing opportunity for him and I think he should go. I just feel like I'm always skint and he's not.

[STRIKE]We had a chat[/STRIKE] I had a rant yesterday and I think we are going to review how we are splitting up the money that is coming in.

Anyway, enough about that!

Today:

Check online banking

Check seedlings

B/L/D from stores

Eek, checked email and Amazon sending m tempting links with veg and foraging books (at least they would be tempting if I had any money :rotfl:)

See if data allowance is back on my phone

Try to cheer up!!

Have a good one all x

kjp

Good morning!

Thanks Josie for starting us off.

Today I will:
Check banks
Check CC
Work out what CC will be once refund in
Budget for June!
Check TCB
Check ebay
Look into going to local festival with friends in the summer
Patiently await new work contract
Post test item
NSD
Continue with learning to crochet
Work hard!
Drink 2 pints of water
Smile - been one of those weeks!

Have a great day all
KFC

ellesbellesxxx

Morning all
Carrie - glad you had a "Chat"!and hopefully will get sorted
Josie- thanks for starting off today's thread

Today
-Hopefully sold something on fb selling page, within 10 mins of putting it on! so get that collected.
-Do focus group after work (it's online so from comfort of own home!)
- Chase up big telephone company who I ordered a landline/net package from and paid for year's line rental upfront to get good deal (for new house). They have since cancelled my order as they said postcode isn't registered - but haven't given my £114back!!!!!!!!!!!!!!!!!!!!!!! (And postcode IS now registered as we have checked )I was even yesterday still debating signing up with them to solve getting back the money, but the fact that I keep being given different information, makes me think perhaps not! GRR!

Sazdaz

Morning all,

Well hoping to keep up the good roll I am on from yesterday.

Today I will:

- finish purchasing Mums birthday present with some vouchers I was given.
- Pop into £1 shop to get a few bits but have a list so wont get anything else I dont want.
- Pop into supermarket to get bread and few bits but again a list to keep myself from spending.
- Check bank account - much easier now I have a new account.
- hoover house, put a load of washing on line and iron at least 10 items.
- pop into SW as I am still on a free membership but got feeling may have put some weight on so may not be anymore :eek:
- Try and get as much work done today and tomorrow, so that I can take Monday off in order to sort house, put things on websites to sell, get on top of surveys etc.
- Still doing my getting up an hour early with OH when he gets up for work which means I am getting more done in the day and able to finish more when he gets home.
- Finish meal planning for next week so that I can finish shopping list.


Ok better get going, as going to try to go to work half an hour earlier today so I can get finished earlier.

stitching_witch

Morning all, and thanks for starting us off today Jo. Hope everyone is well and looking forward to the weekend. It's sunny here so wishing today was my day off instead of yesterday; I really need to get down to the allotment and plant stuff!

Today's list so far:

• Breakfast from stores - LO Mississippi Mud Pie
• Fed and watered the chickens
• Made myself a packed lunch for work
• Checked banking
• Checked for surveys - I did get another survey yesterday and claimed my £40 :j

Also to do:

• Drink free coffee/water at work
• Charge mobile away from home
• Read at lunchtime to avoid spending
• Remind my friend that I don't have unlimited texts as I often get about 20 a day and it's costing me a fortune to text back! :mad:
• Possibly car share this evening
• Dinner from stores - LO goose stew from yesterday
• If still dry after dinner, go to the allotment and plant the tiny leek plants and weed another bed
• Stay away from the quilting website and not buy the fabric I need to finish 2 quilts (yet )
• Have an NSD

Nothing exciting there today. I feel a major row brewing with DH and that might not be very DFW as I'm bound to feel, yet again, that I want to walk out. Perhaps I should have taken that flat that I'm waiting for a refund for!!
Stitchy x

allydowd

Morning all,

Josie: thanks for the kick-off.

We had a lovely stay and Michelin-starred meal in a fancy hotel in the Highlands, a prize I won through an ex-employer. An amazing treat. However, when we came to leave there was confusion over the bill and I ended up having to put the £338 bill on my credit card until I could speak with the prize-giving company! :eek: The hotel are refunding me the £338 today and letting us have our drinks, which we should have needed to pay for, to us for free. Apparently the hotel gave our 100% discount to the couple staying in the room next door who waltzed out without paying and didn't have the honesty to say that they should have paid! :mad: Anyway, we charged our mobiles and laptops while we were there, used their Wifi and came home with two apples, a bottle of water, three tea bags and a portion of Columbian coffee from the hotel tea-tray in our room.

Today I will:

1. Do OnePoll, Ipsos and Adpoints.
2. Read newspaper online.
   
3. Check bank accounts.
4. Do a budget. :cool:
   
5. Read library books.
6. Enter some competitions.
7. Get outside in the garden if the sunshine lasts more than 5 mins. (Won't hold my breathe.)
   
8. Jobhunting etc...
   

FREEBIES:

1. Free Pukka Firming oil sample (Link)
2. Free mascara sample (Link)
3. Free Dylon Colour Catcher (Link)

OFFERS

1. Farmfoods money off coupons (Link)
2. £18 Tesco delivery pass, usually £36 (Link)
3. 50p off Colgate Total (Link)
4. Burger King discount vouchers. You can only click on this link once so don't look at it with a view to printing it later. Only click on it when you are ready to print it. (Link)
5. Today's newspaper offers (Link)

stacey2193

Morning all,

As promised back to thread to post as I need kept on track. Late up this morning, body clock all over the place as usual !

My lodger moved out a couple of days ago and I have a potential new lodger coming to look around today so I need to do some housework. I would prefer not having a lodger at all however this is the money used to pay back bank of mum and dad so I don't really have a choice.

Checked banking only a couple of small bills to go out and food and fuel so should be ok as long as I don't spend unnecessarily !

Washing on line

Blitz house in preparation for lodgers visit.

Make casserole in slow cooker for tonights dinner, took beef out of freezer last night.

Colour hair at home

Go for a run

Friend coming for a catch up tonight.

Thinks that's me for today, have a good day all much love and please feel free to give me a kick as I really could use some help with motivation at the moment.

S xx

foxgloves

Morning all,
Got up feeling much more like it today! It's not 10.45 a.m yet, & I've already:
*Made a batch of hot mango chutney......kitchen smells lovely, just filled the jars & they're cooling off waiting to be labelled. Next time I shall have to try & make it when our apple crop coincides with mangoes being one of Aldi's super-six. I did use our homegrown garlic & chillies, though.
*Watered the greenhouse. Outside veggies OK due to all the rain yesterday. Checked for pests & problems. All looks ok, tho' will need to find room to plant our beetroot & more lettuces very soon.
*Re-jigged meal list to the end of the month as there were opportunities to use more stuff from the freezer. This will hopefully ensure we come in at within budget this month.
*Checked pantry & wrote shopping list for the weekend.
*Tonight's dinner as per May meal plans....spicy lentil burgers in home made buns with a big salad. Quite a few bits of veg....peppers, red onion, garlic, needs using so am going to do a roast veg salsa to go with it.
Still to do:
*Pot up courgettes
Then I'm going to have some leisure time today. All will be spend free.....as I'm going to take my knitting into the garden while the sun's shining, I've got a book to start that my Mum lent me, two magazines which came in the post this morning, a programme recorded that I might watch & a bit of writing to do. I'm looking forward to these things as much as I used to look forward to going out spending silly money on things I didn't need. Not sure if this is as a result of getting older or I really have got more sensible...probably both, lol!
Have a good day everyone, hope you all see at least a little bit of sunshine today.
foxgloves x

MinnieMousesMummy

Good morning everyone. Its a lovely sunny day here today and I think it is helping to improve my mood as feeling a little better although still in a lot of pain with my pulled muscle.

My list for today:

1. [STRIKE]Quick shower, Get the kids up and dressed[/STRIKE]
2. [STRIKE]Sort to do list for tomorrow[/STRIKE]
3. [STRIKE]School/Childminder runs[/STRIKE]
4. [STRIKE]Collect Avon books[/STRIKE]
5. Do some of iron mountain
6. All meals from stores
7. Do Geometry course work
8. [STRIKE]Surveys - remember to check one poll & pure profile[/STRIKE]
9. [STRIKE]Nectar adpoints[/STRIKE], Swagbucks, Swapits, TCB, [STRIKE]Postcode lottery, Birthday bingo[/STRIKE]
10. Do freelance work that is in for today
11. Do chemistry course work
12. Do full loads of washing and hopefully get it outdoors if it stays nice
13. Flylady & Declutter
14. Check the airer and move to iron mountain
15. Sign up to 5 online sites in the hope of increasing my online income
16. Make crumble using free rhubarb that DH got from work colleague [STRIKE]and freezer the rest as it will take us a while to get through it[/STRIKE]
17. [STRIKE]Sort out care for the pets for whilst we are on holiday[/STRIKE]
18. Update the spreadsheet of online income and redeem anything that is due
19. Hairdressers today for me & the kids
20. Look out the next size of clothes for dd
21. Organise diary for the next 4 week prior to the work meeting this morning
22. [STRIKE]Attend work meeting[/STRIKE]
23. Water the plants
24. Renew library books

I think that is probably more than enough for today. Hope everyone has a good Thursday. Hugs to those that need/want them x

determined_new_ms

Morning guys :wave: thanks for starting us off Josie, and kudos on the netball win :beer:

ally how did the interview go yesterday?

carrie the recipe I used for banana bread is one of the ones on here:

http://forums.moneysavingexpert.com/showpost.html?p=480391&postcount=10

I usually just find a recipe that is nearest to the ingredients I have. oh likes the one with nuts (but its usually sans nuts!)

re oh going to Brazil I would find that hard too. We organise our finances so we each pay into the joint account for bills, food, the odd meal. I pay more (a couple of hundred more a month). we did this originally both of my children were living at home with me and also I earn more. It kind of evens out as I pay monthly whereas he pays weekly so every 3 months he puts in an additional week. What we have left is for ourselves and if we have a social activity (festival, holiday, party etc) we split the cost. Unless one of us has more/less and then the other one will contribute more. That way if he wants to go on holiday without me (horror at the thought :eek:) its his money. The downside is I'm broke this month as have no income in May and he has been doing freelance work and is £750 up which is nothing to do with me...

I spoke to my new manager and I won't be starting work now until Wednesday next week. Sadly it means I won't get paid until the end of June so financially things will be tight. But on the other hand it gives me more time to unwind, relax & free ready to start a new challenge

Things for the day;

* check banking & cc statement
* pay spends on cc card- didn't do this yesterday
* all meals from stores - chicken and pesto out of freezer for dinner tonight
* washing on the line - looks a little moody but think it'll hold
* vacuum out car and get rid of glass in back seat...
* a teeny bit of sanding and can start painting again :T really just finishing bits of emulsion & woodwork now
* water plants in greenhouse
* plant out rubbarb plant
* went through budget for next month - a lot of robbing Peter going to be going on for a month!
* looked at whether I should use £5 off aldi spends. Going to eek food out till next week. We have loads of things but fruit and veg are limited - have to be creative!
* cure for cystitis from stores and hope it gets better! Was up 6 or 7 times in the night

Ok going to try and rest as much as possible today. Happy Thursday y'all x