Wed 22nd May - What small DFW things will you do today?

stacey2193

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:

stacey2193

Morning all ,

Up bright and early as I am booked in for a spin class at 7am and then yoga at 10am, not very DFW as it is nearly £5 per class but now that am going regularly will look into joining and asking about corporate discount.

Today so far

Checked banking - not good, no CSA payment as expected.
Breakfast - scrambled eggs on toast

Rest of day:
Spin class and yoga class
Book cycle in for a service in anticipation of bike ride with friends and kids next week.
More sanding of garden bench and painting of chest of drawers
Tidy bedroom - currently has a "floordrobe"
Lunch and dinner from stores
Friend coming over for catch up tonight.

Don't plan to do much else, have a great day everyone and hugs to those that need them today.

Much Love

S x

katy_ann

Morning Stacey, thanks for starting us off, go you with all your exercise classes! Today I will;

• Work 8am-6pm (includes 2 hours overtime)
• Prepare for payday tomorrow (had a lovely surprise in my pay check!)
• B/L/D from stores
• Check online banking - Not good, hope it holds out until tomorrow!
• Have a NSD
• Look a Mazuma etc for my old phone

Have a good day all x

josiebabie

Morning all

Had a couple of days off MSE as I had a few things I needed to buy/do which were unavoidable! Back on it today:

Today:-
- Check banking
- Check to see if sofa's are still on sale
- Rejig budget to put money back into budget account following new iPhone purchase
- Email friend to see if she wants a lift to netball match
- NSD!
- Try to get some jobs finished off at work
- B/L/D from stores
- Packed lunch for DD, (although her dad should make it she doesn't eat what he packs her)
- Drink tea from work all day
- Small tea when I get home, nothing heavy due to netball match

Jx

starnac

Morning all. Haven't been on this thread for a while but it def keeps me on the straight and narrow.

My list today

[STRIKE]Check banks[/STRIKE]
[STRIKE]Daily clicks[/STRIKE]
[STRIKE]Heating off/on low[/STRIKE]
[STRIKE]Tea and toast at coffee morning[/STRIKE] (donation which goes to charity)
Repot new strawberry plants
[STRIKE]Move all the carp from the hallway, upstairs[/STRIKE]
[STRIKE]Tidy kitchen[/STRIKE]
[STRIKE]Bake instead of buying niceties[/STRIKE]note to self- next time bake BEFORE tidying kitchen :cool:
Meeting this evening
[STRIKE]DH picking up his new bicycle today will eventually earn its keep by saving on bus fares[/STRIKE]

That's me for today I think

Happy Wednesday everyone

allydowd

Morning,

Thanks for starting the thread josie.

Well I bounced out of bed early this morning, raring to go. Must be the excitement of today's visit to the Jobcentre (not).:p I'm beginning to think the world is going mad: I emailed an employment agency asking about one of the jobs they are advertising. They refused to tell me which company it is for to "protect the employer"! Apparently applicants "don't have the right to know that information prior to the interview stage". :mad:

Today I will:

1. [STRIKE]Do Nectar AdPoints, OnePoll and Ipsos.[/STRIKE]
2. [STRIKE]Check online banking. [/STRIKE]
3. [STRIKE]Check Quidco/TopCashBack for payments.[/STRIKE]
4. [STRIKE]Call Jobcentre to find out why they've sent us a letter to say that our JSA is going to be paid into a different sortcode and account number from now on when we know nothing about this.[/STRIKE] 11 min call to an 0845 number. £3.85. Not pleased about that. Couldn't find a cheap number anywhere.
5. De-crystalise jar of honey. (Link)
6. Decide what to do with 8 sticks of rhubarb given to us by neighbour.
7. Do jobhunting.

MONEY-SAVING TIP FOR GARDENERS:

1. Fish fertilizer: You can either use the water which remains after you defrost frozen fish or you can boil any remaining fish heads etc and use the drained off water on your plants. (Link)

FREEBIES:

1. Free Pimms and Lemonade at the Pitcher and Piano (Link)
2. 50p off tinned tomatoes at Tesco, see page 3, print your coupon or use code online (Link)

OFFERS

1. Cheap nuts at Tesco (Link)
2. In today's Telegraph: Free strawberry Anais - 10 bare roots and 100g strawberry fertiliser. You pay postage. (Link)
3. Quidco ClickSnap offers (Link)
4. TopCashBack Snap&Save offers (Link)

determined_new_ms

Morning :wave: thanks for starting us off stacey, enjoy the exercise classes and happy days having your new lodger

Well today is the end of my extended leave. I have enjoyed it a lot! But I start work at 1pm. I am a little nervous. Plan to make the most of my last few hours off. Tis quite a nice and gentle return into working life. Working for 2 1/2 days and then have a long weekend and the following week will be a short one

Things to do:
*[STRIKE] have checked banking and shifted some funds[/STRIKE]
*[STRIKE] transferred some cash into a friend's account as she is going to get me some bits while she is in town today[/STRIKE]
* [STRIKE]hang up washing on line[/STRIKE]
* [STRIKE]leave note for dd to bring in washing if its raining[/STRIKE]whatsapp'd her instead
*[STRIKE] run dishwasher[/STRIKE]
* [STRIKE]put pork casserole in SC[/STRIKE]
* [STRIKE]emailed db to see if he remembered we have arranged I'll go there this evening[/STRIKE]
* get some cash so I can pay for parking (have to claim this back)
* sweep spare room as bed is being delivered at 4. Give dd instructions to put mattress upstairs and frame in garage
* quick shower and get ready!
* mow grass if I have time
* go for a run after work
* read martin's email

ok better get my skates on! Wish me luck guys x

foxgloves

Hi Clever Money-savers,
Well, pride went before a fall this morning, as was just thinking that I don't look too bad for a 'woman of a certain age' who refuses to spend a fortune on beauty products, when I stuck the mascara brush hard in my eye, & that was the end of my glamour-moment.....black streaks all down my face, sore red eye........that'll teach me!
Penny-saving activity so far:
*Did ironing. Switched off for last item.
*Bread ran out. Have put breadmaker on. Will also do some rolls later.
*Boiled too much water in kettle at coffee time (hard to guage it in this big hob kettle) so poured surplus into flask for hot drink. (It's official, I am turning into my Nan! When I start rinsing out the milk cartons to 'make another half pint', the transformation will be complete!)
*Did a couple of surveys
*Emailed ebay customer to suggest they might like to pay me.
Things still to do:
*Cooking afternoon. Am making salmon pasta for dinner tonight, with a big salad and using the last of the rubber chicken to make a stew for Mr f (he's late home tomorrow & can just re-heat it) & some cream of chicken & celery soup for me. The rubber chicken actually did THREE packed lunches in the end, as well as 4 days of dinners.....he's gone off with a chicken dijonnaise sandwich today).
*Water veggies & check for pests/problems.
@ziggy - Thanks so much for your encouragement re weight-loss. It's very slow now that I've been doing it for so long (started it back in Jan 2011, before I took VR). I do feel much healthier & fitter, as had gone up into the 'morbidly obese' BMI category, & much as I love cooking, baking, etc, I did feel I needed to take a bit more responsibility for my health. My goal this year was to be a proper size 16 by end of June. Don't know if I shall do it......have got 3 size 16 tops, which are fine, but will need a concerted effort to get in size 16 jeans by then......harder to get rid of the muffin top as one gets older, lol! Hope you are doing OK, are you aiming to lose much more weight yourself? 35lbs is a good amount to have lost.
That's me for today,
foxgloves x

stacey2193

Good luck DNMs x

mrsdee

hi everyone. Glad to be back on here again after being away a while! Today
- working at home today so saved around £5 in petrol for a start.
- yoghurt and fruit breakfast at home
- will make lunch for me and hubby shortly - took some veggie "meatballs" out of the freezer and we'll have those in pitta breads with a bit of salad and cup of tea with fruit after and maybe a banana and honey muffin this pm (in freezer, but can quickly defrost in microwave).
- dinner from stores also - have some fish, potatoes and broccolli.
- will be a NSD today
- heating is off
- going to sort my ironing out this evening - sigh!
- planning how much cash to take out of the bank for our hols next week (in UK, staying with rellies but will need cash for days out plus a nice meal out whilst we are there enjoying the sea air).
- enjoying free stuff like walking the dog, gardening etc
have a lovely day everyone

mrsdee

oh and planting out my tomato plants and basil plants so hopefully they will keep us going throughout the summer! everything else in the veg garden looking pretty good too. fingers crossed for no blight!