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Tuesday 21st May - What Small DFW Things Will You Do Today?
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katy_ann
Posts: 1,094 Forumite


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
Im up so early, I just cant sleep!
So heres my list for today;
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


- Check online banking
- Have a NSD
- B/L/D from stores
- Work 2 hours overtime
- Stick to diet
- Get at least another 30 mins sleep before I have to get up!!
Debt free once - Back again | Current debt: £2479.50 - January 2025 | Make £2025 in 2025 #11 - £41/£2025
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Oof katy_ann, that was early! Hope you managed to squeeze another 30 minutes out!
Today I will:
Check banks
Check CC
Check TCB
Food from stores
Post Ebay item
Finish filling in new job forms and get ID together ready to post
Insurance quotes
Car share to work, me driving so must be economical
NSD other than postage and poss fuel
Think that's me, have a good day all xxHouse Fund: £2,800/£20,000 - 14%
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morning all
thanks for starting us katy ann
so today the sun is shining
so todays todo
wash on
wash out
check banking
meals from stores
sadly work
c u in the morning
have a great day xxxxxlppxxxxxdebt total £71k AGE 47 TRY TO BE DEBT FREE BY 500 -
Gonna check the any MSWs can i get here to make my tuesday not a troubling day...0
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Good morning all, just a quick visit from me before heading off to work
Listypop so far today:- Breakfast from stores
- Made packed lunch for myself
- Fed and watered the chickens
- Checked banking
- Checked for surveys
- Taken a basic mince base from freezer to make a dinner from - either bolognese or chilli probably
- Get a lift with a colleague in exchange for eggs and rhubarb
- Drink free coffee/water at work
- Keep checking for surveys
- Charge iPad away from home
- Stay in at lunchtime to avoid the shops
- Possibly allotmenteering again tonight
- Have an NSD
We said our last goodbyes to our poorly chicken last night and she's now in the great chicken coop in the sky. Shame as she was a real character and by far my favourite. It would have been cruel to let her suffer though and any animal keeper needs to act responsibly in those situations. Doesn't make the job any easier though
Catch up with you all later,
Stitchy xMaking magic with fabricLight travels faster than sound. This is why some people appear bright until you hear them speak.0 -
Good Morning All
@Katy Ann - Sympathise, our small boy got us up at 5.30 for the two days preceeding (mercifully not today!) match sticks at the ready.
@Stitching Witch - Sorry to hear about your chicken. Sad times.
Today. 2 days till OH payday. I can tell he's gone off the boil with the MS attittudes a bit. He bought his sandwich yesterday at work (the shame of it!) because times have been tight we have been buying his travel card weekly instead of monthly, just to enable me to watch the pennies even more short term. Long term the longer the period the better, annual travel card was ace for savings. I digress. Because it is bank holiday on monday and he doesnt use public transport saturday-sunday anyway, buying a 7 day travel card now seems a bit redundant. So think we are going to go pay as you go from tommorow just until next tuesday anyway. Seems silly to pay for 7 days when at least 3 will be a waste.
Last nights risotto left overs will be boxed and frozen this morning. Still have the cubed pork to think of a use for for tonights main meal. Anyone??
Today wont be a NSD but I am taking steps to have a LSD. May need more petrol as going to see a friend quite a way way. But taking lunch with us, so that wont cost anything.
Ok well think thats us for the day. Good luck everyone.
Bob" Your vibe attracts your tribe":D
Debt neutral27/03/17 from £40k:eek: in the hole 2012.
Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
RYSAW17 £1900 2016 £2,535.16 2015 £1027.200 -
Morning,
Thanks for starting the thread katy_ann. Stitchy sorry about your chicken.
I have a job interview lined up for Thursday. :cool:
Today I will:- [STRIKE] Do Nectar AdPoints, OnePoll and Ipsos. [/STRIKE]
- [STRIKE]Check online banking.[/STRIKE] Growl...need to get an error fixed.
- [STRIKE]Check Quidco/TopCashBack for payments.[/STRIKE]
- Clean kitchen cupboard and do something about the mould in it before it starts to destroy things.
- [STRIKE] Walk to beach, forage seaweed, make some seaweed fertiliser. [/STRIKE]
- Continue Spring cleaning the house. Today's mission: cleaning all the high places I usually ignore. And to think 5 years ago I would have paid someone to Spring clean for me. Tut tut tut...
- [STRIKE] Spend as much time in the sun as possible. Yesterday we laid on a blanket in the garden for two hours...felt like we were beside the Med! [/STRIKE]
- Do jobhunting.
- Recycle cardboard egg boxes as seedling starter kits. When its time to plant, just separate the sections with a knife or scissors and plant directly into the soil. (The cardboard will decompose in the soil.)
- Make your own seaweed fertiliser (Link)
TESCO PRICE PROMISE CHECK YOUR RECEIPTS!:
Good news! Tesco Shoppers no longer need to go online and type in receipt details to use the Price Promise system to get a voucher back if their shopping is cheaper at Tesco than the other major supermarkets. When you shop at Tesco look carefully at your receipts. If your shopping was cheaper at Tesco you'll get a coupon among your receipts that says "Tesco Price Promise: £x off your next shop". You need to buy ten items to qualify and you cannot use the coupon the same day as you get it.
FREEBIES:- Free bottle of Sprite, you need to be patient with the website (Link)
- Free sample pack for Mums through Facebook (Link)
- £10 off at Red Spotted Hanky train fares, popular offer, temperamental website. Experience shows that persistence will be rewarded! (Link)
- Six of each of the following plants: Aquilegia ‘Mrs Scott-Elliot’, Delphinium ‘Pacific Giants’, Campanula ‘Canterbury Bells’ and Echinacea ‘Magic Box’. You pay £4.30 postage. (Link)
- £50, 7inch tablet. (Link)
- 50p Filippo Berio oil with coupon at Morrisons. (Link)
- In today's Telegraph free RHS Chelsea Flower Show 12-page supplement. (Link)
- Benefits check-up (Link)
- Birthday Bingo, daily free game (Link)
- Freecycle (Link)
- Free Postcode Lottery (Link)
- FreeStuff (Link)
- FreeUKStuff (Link)
- List of online newspapers. At bottom of the linked page. (Link)
- MSE Boost Your Income page. Gateway to lots of money-making links. (Link)
- MSE Deals and Vouchers (Link)
- MSE Wow Offers (Link)
- My Supermarket (Link)
- Nectar Points, AdPoints, Search Toolbar (Link)
- OnePoll (Link)
- Quidco (Link)
- Reclaim PPI at no cost to yourself (Link)
- Survey sites that pay for your opinions (Link)
- Swagbucks (Link)
- Swapit (Link)
- TopCashBack (Link)
Debt-free day: 8th May 2015 "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama0 -
Hi Penny-savers,
Seems very chilly here today, hope the sun comes out soon. Useful MS activity so far:
*Will defo be NSD as am not going out.
*Did laundry overnight on Economy 7 (30 deg & stingy powder)
*All drying outside on the line. I am NOT putting heaters on for drying washing in May.
*Did competition
*Checked for surveys
*Prepped veggies for tonight's stir-fry (still using our homegrown chillies & garlic from last year).....rubber chicken again tonight.
*Froze tortilla wraps leftover from last night, so can use them for fajhitas again next time & not buy more.
*Re-jigged meal plans this week, as now have guests for lunch & dinner on Fri. Checked stores & decided to do lentil soup (got lots of ham stock in the freezer) with chive soda bread for lunch and salmon & bean crumble for dinner, followed by rhubarb & ginger cake, using our rhubarb. Apart from some broccoli or similar to go with the crumble, I shan't need to spend anything (which is just as well as May's grocery fund has about £3 left in it & I don't want to go over this month).
Still to do:
*If it warms up, plant out some more of my bedding plants (free seeds)
*Finish my dress. Only got hem & sleeve alterations/hems to do.
@stitchywitch - Sorry about sad chicken news. Always sad to say goodbye to our animal friends.
@bobarella - Re pork cubes....I like to make a stew with pork cubes, I don't use a recipe, but use a tin of tomatoes, lots of garlic, onions, carrot, a tin of white beans, a few halved small new potatoes, herbs, chuck a few olives in if I've got them (even the 99p Shop olives in brine are fine in this). Can't supply recipe as I just keep chucking stuff in till it's right, but it's defo a more summer stew, tomatoey & a bit mediterranean, rather than a gravy-y sort of one. If I've got no spare wine (I'd much rather drink it than eat it!), I put a teaspoon or two of red wine vinegar in to get the same effect. I usually serve this with home made focaccia bread (which people think looks posh, when I make it, but it's usually Lidl bread flour & whatever I've got from the garden or lurking in the fridge on top!) or just fresh warm bread rolls.
That's me today,
foxgloves x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 6.5kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)0 -
Morning all.
Hope everyone is well this morning. I am late up again, just can not seem to drag myself out of bed on my days off.
Quick post as I have a potential new lodger coming to look around in half an hour.
So far I have had breakfast from stores - scrambled eggs on toast and hot water and lemon.
Quick hoover round the lounge
Washing on
Candles on in bedroom and bathroom to make rooms smell nice and inviting.
Later on I need to pick my friend up form work at half one as she is temp without a car
Clean out fridge DONE
Hang out washing on line DONE
Prepare something for dinner from freezer DONE
I started refurbishing a chest of drawers and its been sitting unfinished in my lounge for a month so target today is to paint at least one more drawer DONE
Likewise I started sanding down my garden bench last week and it remains unfinished so will do some more of that too if it stays dry.
Think that is enough for today
Much love
S x"The greatest wealth is health"
Bank of Mum and Dad - £20,000 - 3 years fixed at 3.25% and 2 years variable rate, estimated £22,21 due to end November 2017
Car finance - £10,250.92 over 60 months 9.7% APR, Interest £2612.08, Total £13,906.08 November 2017
HP £1999.47 - 36 months at 0% -March 20160 -
Well further to last my new lodger has been to look round and likes the house, she has offered to give me the deposit today and to move in next week with a months rent upfront. She's an eastern European lady in her late fifties with good English and seemed really nice there was something quite endearing about her. It's always difficult to make a decision about whether to allow someone to live in your home and the pressure has been taken off financially slightly by my lovely mum who has said there is no rish to pay her what I owe her and it doesn't need paid back within the same time as the mortgage she took out for me, however I still want to be able to start making repayments to my mum as quickly as possible as I have missed a month.
Happy Stacey !"The greatest wealth is health"
Bank of Mum and Dad - £20,000 - 3 years fixed at 3.25% and 2 years variable rate, estimated £22,21 due to end November 2017
Car finance - £10,250.92 over 60 months 9.7% APR, Interest £2612.08, Total £13,906.08 November 2017
HP £1999.47 - 36 months at 0% -March 20160 -
Afternoon all,
Katyann - thanks for starting the thread
Stitchy - sorry about the poor chicken
Later post from me. Getting quite tired but no excuse as poor OH hasn't slept much in over a week!
Quote from a HSE presentation I saw at work. Supplying company shall remain unnamed, but actually really struck a chord with me:
"Chronic unease is caused by a preoccupation with failure"
Now the presentation was actually trying to encourage a sense of chronic unease over HSE, but it really got me thinking. I often feel extremely anxious and maybe that's why? :cool:
So today's list:
Check online banking
B/L/D from stores
Crochet
Maybe do some housework
Small list, less chance of failure!
Have a good one all xxLBM 11/06/2010: DFD 30/04/2013Total repaid: £10,490.310
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