Thursday 23rd May - What small DFW things will you do today?

katy_ann

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 Ive got the day off work today and Im meeting a friend for a drink this afternoon to catch up on her baby related goss! It is also payday today and Ive had great pleasure in paying towards my debts! My list for today;

• Swagging/adpoints
• Meet friend for lunch/drink @ 2pm, minimal spends
• Pay to debts - DONE
• Get haircut from trainee
• Move money into savings/ISA - DONE
• B/L/D from stores
• Quick tidy up of the flat
• Go to the HSBC
• Stick to healthy eating

Think that's me over and out! Have a good day all x

stacey2193

Morning all, yesterday was a manic and not so DFW day.

Yesterday:
7 am - Spin class
10am Yoga

Friends for coffee
Meet other friend at rather expensive hotel for coffee to sit in the sun and had a latte and mineral water
Metafit and Kettlebells class back to back
Cinema to see the great Gatsby with my daughter and my friend so all in all a very fun but costly day at 3 classes costing a fiver each, a fiver on coffee on water and nearly £7 for the cinema, although I did sit and eat my own post workout granola and yogurt !

Today :
Was up early today for another 7 am spin class so another fivre there, but as I have started going regularly again have enquired into the cost of joining on the corporate scheme and I will deffo get my moneys worth.

Checked banking - dire but got fuel for the next three shifts and the CSA payment is showing due to go in tomorrow thank goodness.

Need to do a little food shop for essentials at AL*I and then that's me until its time to go to work on a 1400 -0000 shift the first of three shifts before a week of for half term. Yay !

Have a brilliant day everyone, much love and hugs S x

starnac

Morning all.

That's katy_ann for starting us off
Stacey that's a lot of working out.

Got a quiet day in planned today so my list should be a short one.

[STRIKE]Check banking[/STRIKE]
[STRIKE]Daily clicks[/STRIKE]
[STRIKE]Heating off/on low[/STRIKE] its quite cold here
[STRIKE]Meals from stores[/STRIKE]
[STRIKE]Walk to/from school[/STRIKE]
Bake? all the cakes I made yesterday have already gone :eek:
Start sorting boxes in dining room

That'll do me I think

Happy Thursday everyone

Emzilla

Morning everyone

I have dipped in and out of this thread before, but I really need to focus and get things done at the moment. OH and I are moving in July and everything is such a mess. I keep thinking I've got loads of time, but I reckon July will creep up on me and I'll still be unpacked and unprepared. I was trying to do lists on my diary, but I think I'll be more accountable on here.

Katy_ann - Thanks for starting the thread, enjoy your day off and catch up with your friend

Stacy - even just reading about all those classes tires me out!! What was The Great Gatsby like? I've heard the 3D is really good, but the story is not so great.

Starnac - it's quite cold here today too, but at least it's not raining.

Today I will be doing:

Morning meds - Done
Evening meds
School run 1 - Done
School run 2
Do a wash
Start sorting out the living room (there's stuff everywhere!!)
Put away the pile of clothes in the bedroom
Get the chest of drawers out of the wardrobe so I can put it on Gumtree
Put unsold stuff back on Gumtree
Sort out carboot stuff

Have a great day everyone

Emz xx

stacey2193

Emzilla wrote: »

Morning everyone



Stacy - even just reading about all those classes tires me out!! What was The Great Gatsby like? I've heard the 3D is really good, but the story is not so great.


Emz xx

Yeah we watched it in 3D, I am not really a fan of 3D films but I was outvoted by my daughter and friend. As you say the storyline wasn't the most imaginative and a little predictable, but I enjoyed the soundtrack to it and two hours of Leonardio di Caprio was easy on the eye :rotfl:

I have just taken a few hours off tonight so now finishing at 9 instead of midnight, home to bed a little earlier tonight and no plans for any classes tomorrow so a bit of a lie in too !

allydowd

Morning,

Thanks for starting the thread katy_ann.
DNM hope your new job is going ok.

Well some good news today. I'm just back from an interview with a temping agency and it went really well. They are going to put me on their books so I may have some work soon, subject to references etc. (Don't get me started on the whole references thing...) I had to sit a typing test which I wasn't expecting but I came in at 60wpm so I was pleased with that. The last time my typing speed was tested was 20 years ago on a manual typewriter.

Today I will:

1. Clean the house using products from stores. Done
2. Washing out on the rotary line. Done
3. Read library books about gardening. Done
4. Do Nectar AdPoints, OnePoll and Ipsos.
5. Check online banking. Done
6. Check Quidco/TopCashBack for payments.

MONEY-SAVING TIP FOR GARDENERS:

1. Comfrey fertilizer: You can use comfrey leaves to make a good balanced organic fertiliser for free.(
   
   Link
   
   )

FREEBIES:

1. Free wallpaper samples (Link)

OFFERS

1. In today's newspapers (Link)

Pernicious

Hi everyone,

Quiet thread today, where is everyone?

Today I have/will:-

• All food from stores - Salad for lunch with chicken from Sunday's roast
• Dinner from meal plan - HM Fish pie & lots of veg
• Making use of free water at work, as well as a cookie I've taken for my "rest day" from the diet tomorrow!
• Staying in for my lunch break to avoid spending
• Log calories & exercise on free apps
• Check postcode lottery & birthday bingo
• Charging phone at work
• Heating off
• Check online banking
• Check for new mystery shopping opportunities
• Enter some comps
• Do some surveys
• Declutter & flylady
• Free exercise again tonight - think I'm up to 50 sit ups, with crunches, leg raises & a plank to do, argh!
• DH doing overtime again this evening
• Read Martin's email as didn't do this last night
• Washing on eco setting using less than the recommended dose of washing liquid
• Hang up to dry

Hope everyone is ok & has a great, MSE day x

foxgloves

Afternoon all,
Have almost finished my job list today, so kettle is on for cup of tea & some bum -in-chair-time. Money-saving activity today:
*Potted up more plants for sister......am swapping spare plants for a large over-mantel mirror.
*Dinner tonight already made (last of the rubber chicken).
*Lentil soup made in slow cooker using home-made ham stock from the freezer.
*Friend's birthday presents wrapped using paper/labels/ribbon etc from my big crate of recycled wrappings. Looks very pretty!
*Did a couple of surveys.
*Wrapped ebay parcel as did manage to extract payment from buyer yesterday.
*Tomorrow's packed lunch made.
*Picked rhubarb & baked rhubarb & ginger loaf cake for tomorrow's guests.
*Cleaned whole house using the usual stingy amount of diluted Stardrops.
*Watered greenhouse veggies & checked for baddies/problems. Anchored down the mini polytunnels as it's windy here today.
*Read booklet on composting. (www.recyclenow.com/compost) I didn't learn anything new, but good to know we're doing things right. Nice booklet.
*Magazines got together for my Mum, as we'll swap some so we both get a few new ones to read.
Still to do:
*Do new library list of books/audiobooks I want to read, as I've almost got to the end of my last stash.
Have a good day, everyone,
foxgloves x

Bobarella

Hi All

Thanks for starting the thread Katy Ann and well done on your ISA savings, debt slaying etc.

Ally - Hope some good comes of your agency appointment.

Pernicious - I realised you and I have almost the same amount of debt repayment to go, we are debt buddies!

So me today. NSD! Horray. Thats 2 this week I think. OH gets paid tommorow so will be adding to the emergency fund, that feels good to see that going up.

We have our MOT to pay for in June, and hoping nothing will be wrong with the car (its pretty ancient though so there may well be the odd thing)

I have quite a bit of business booked for June which is a plus. There is a 2nd hand uniform sale for my sons new school then as well, so will be going along to that for some bargains.

Right well, night all, hope its a peaceful one.

Bob

zenshi

I've written yet another letter to CC that are being completely unhelpful!

And I'm on a mission to get new specs paid for by mystery shopping and military discount! I have two weeks to get £40 then ill get them for free

Sorting more stuff for selling on the weekend with hopefully a free listing promo!

ziggy2407

Good Evening my lovelies

katy - Thanks for starting us off

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.

Another busy day, wasn't feeling too great as had a banging headache and felt sick but I got through work and picking the LO back up from school, had a little lie down with an ice pack and I feel fine now just a bit tired. On Saturday we are off to Cromer for a week (which we are all ready for) and this will be the first time we take our eldest grandson away with us - exciting times woohoo!! Todays little listy:

Check Banks - Done :eek: not much change
Check swapits - Done
Check www.freepostcodelottery.com - Done
Packed lunch for OH & LO- Done
Work (9.00-1.30) - Done
General Tidy up - Done
Ironing - Done
Sorted shoes/boots for hols - Done
Arrange for neighbour to feed fish & keep an eye on plants/veg (toms are looking good & dont want to lose them, runner beans and potatoes are outside and thriving so he's promised to look after them) - Done
Sort car boot - Done
Catch up on emails - Done
Surveys -
Enter a few comps -
Quiet night with OH and LO - Scott & Bailey
Read Library Book - In progress
Meals from stores - Done
Update Food tracker - in progress

Hope you're all having/had a great day, love to you all.

Love

C xx