Tuesday 18th June 2013 - What small DFW things will you do today??!

determined_new_ms

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 :wave: hope everyone is ok. Ziggy gosh that woman sounds vile! Glad you managed to rise above it. clearly she has issues which are hers and nothing to do with you x

Spent yesterday at the hospital. Thought this was it with dd as she was getting stomach pains and was in a bad way. She actually had an infection so was given meds and stayed in overnight. Really want little dgd to come along now!

Things for the day:

* checked banking - situation really is becoming dire :eek:. Get paid a week today
* shifted funds
* quick shower
* all meals from stores - soup out of freezer for lunch
* take note of mileage to update expenses
* tend to plants
* go for a run this evening - must do this above all else!
* hang washing on line before I leave today
* check onepoll
* post dd form for balance transfer cc

that's all I can think of! enjoy the mini heatway we're going to have x

ziggy2407

Good Morning All

DNMS - Thanks for starting us off today, hope DD starts to feel better soon, expect you are both really excited and nervous too. I am in the process of knitting your daughter a little blanket so better get my finger out and get it finished, lol, didnt realise how close the "big day" is, her pregnancy seems to have gone SO fast.

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.

Todays little listy :

Check Banks - Done
Check swapits - done
Check www.freepostcodelottery.com - Done
Work (9.00-1.45) - Done
Washing & Line Dry - Done
Ironing - tomorrow (being kind to myself)
General Tidy up - Done
Catch up on emails - In progress
Surveys -
Enter a few comps - Done a couple
Nectar Adpoints - Done a few more, thanks again ally
Meals from stores - Done
Update Food tracker - in progress
Read/Knit - in progress

Have a great day, love to you all.

C xx

determined_new_ms

ziggy2407 wrote: »

Good Morning All

DNMS - T I am in the process of knitting your daughter a little blanket so better get my finger out and get it finished, lol, didnt realise how close the "big day" is, her pregnancy seems to have gone SO fast.



C xx

awww ziggy what a lovely kind thing that is! Thank you, I'm so moved by your kindness I can't tell you x :A

La_escocesa

Hi guys :hello:

Oooh, thinking about you and your DD DNMS. Hope she is feeling better today.

Oh Ziggy - that woman does sound vile - how pathetic. Good for you to rise above it all.

I'm working from home today so no temptations to spend in town

Need to finalise yoga class plan as covering a friend's class tonight :eek:

Getting quotes for decking in the garden - OH's tax rebate is paying

Look for a hotel for friend's wedding next weekend - why have we left it this long?! If worst comes to worst we'll drive back or to a hotel further out.

Check banking

Be proud there has been no credit card spending this month

Catch up soon xxx

Bobarella

Morning All

Ziggy - Hello, how nice of you to knit for Determineds DGC.

Determined - Really hope your daughter feels better soon, and that the baby is finally on its way. I went 18 days overdue with my son, and ended up being induced which didnt work and in the end C section. So spent a whole week in with him. Was so nice to finally get home. All the very best to your family now.

La escocesa - Enjoy your WFH day, I bet you'll get more done than ever. I always found I did.

Me today.

1) DS nagged me into making us pancakes for breakfast so we are stuffed now. Hopefully that means a light lunch
2) Have managed to use up a face cream that I bought ages ago but wasnt using.
3) Still using up little soaps that I found in the bathroom from hotel stays. So havent bought a shower gel for a few weeks.
4) OH took a tuna bag for lunch that was from home.
5) Exactly 1 week till OH pay day. Therefore should be fine to hit my self imposted target of paying at least £100 more off the CC in June. £50 to do that needed.
6) DS found 10p on the pavement yesterday, so thats in our treats fund for today
7) My mum was asking to buy DS some summer clothes, but as he already has lots from hand me downs (my friend has a 13 and a 9yr old and has very kindly passed down in stages all of their clothes, so very lucky) I said no, but if she would like to put something towards some trousers, a shirt, for his school uniform for September that would be great. She was very happy with that suggestion, and it feels much better than just a random new clothing item.
8) Dinner tonight from stores, trying to decide.

Good luck with your days all.

Bob

Nottoobadyet

Hello ladies!

DNMS SO exciting! hope DD feels better very soon.
Thats so sweet of you, Zigs.

Life is still manic and stressful, but getting a break from tomorrow as going to meet a friend who is here from the UK and we'll do a few days of Safari. OH coming to as he's never been on a proper safari despite 4 years living in Africa!

Anyway todays list:

- brekkie of passion fruit at home.
- bike everywhere
- take notes of important phone numbers for trip
- ensure OH has enough USD for his visa on arrival
- driving lesson at lunch time
- make to do list to make my life a bit more mangable
- leftovers for dinner
- collect documents for visa doc to have certified when we get back
- find a sample room-mate contract on line and adjust for new roommie coming July 1
- try to be efficient so that I dont need to stay late
- get to the gym before going home
- meet freinds for a quick drinkie before going home
- pack for trip, eek!

Hugs to all! Took me ages to type this so hello to those that snuck in

MinnieMousesMummy

Good morning everyone. I haven't posted for a few days but I thought I would come back today to help me to get back into the way of things esp at the moment as me and DH are going through a rough patch.
DNMS - Thanks for starting the thread off this morning.

Plan of action for today:

• [STRIKE]Quick shower and get dressed, Kids up and dressed[/STRIKE]
• All meals from stores Work in Progress
• Childminder/School runs2/4 done
• [STRIKE]Attend meeting with support worker[/STRIKE]
• Do mystery shopping work
• Spend 30 minutes cleaning the living room
• Hoover round the house
• Catch up with emails
• Collect dd's prescription
• Sort college application
• Sort paperwork and post letter
• Do some course work
• Pay some money off a debt
• Laundry (3 loads)
• Check one poll, pure profile, nectar adpoint, sb, swapits, postcode lottery, birthday bingo
• Do some of ironing mountain
• Water plants
• Sort clothes, bags and lunches for tomorrow

I think that is everything that I need to try and get done today, so I best make a start. Hope everyone has a good Tuesday, hugs to those that need/want them.

allydowd

Morning,

Thanks DNM. Hugs to all who need them.

What a morning! Called the Jobcentre to say that I can't sign on tomorrow at the usual time because I have a job interview at the exact same time. Advisor asked me why I didn't re-arrange the interview to fit with my signing on time. Words fail me. That would look good: "Dear Prospective Employer, the Jobcentre thinks signing on is more important than going for an interview. Can we re-schedule?" I think not; I want this job!

The list:

:cool: Lunch is lentil soup from batch cook the other day.

:cool: Listen to free BBC comedy podcasts to cheer myself up. (Link)

:cool: NSD.

:cool: Do prep for job interview. Also waiting for a date for a telephone interview for another job which is local to me.

OFFERS:

69p bacon, 69p eggs (Link)

Ascot betting offer (Link)

FREEBIES:

Free Schwartz 2-in-1 Recipe Mixes. Click 2-in-1. Website's really slow. (Link)

Free tea bags (Link)

little_pink_purse

Hi
Thanks for starting us dnms

Dnms fingers crossed dgd comes soon
ziggy that women sound yuck
ally good luck with the job interview

ive been as busy bee ive listed a few things on gumtree
its my last time then I give it to some one

my todo list
vanish the hall
paint small part on the gate
rubbish to the tip
check banking done
wash on done
sml ironing done
re list on ebay done (would love to make £50 per month )

on a good note ive managed to pass a credit check and can now have the gas and electric pay as you go meters removed ye ha
any tip on best company deals etc as ive not got a clue

thanks have a great day lpp xxxxxxxx

foxgloves

Morning everyone,
Have practically forgotten what I intended to type, as am so amazed by the job centre's advice to ally re fitting any job interviews around signing on time!!! I've been on quite a few interview panels in the past, & candidates saying 'I can't make that day/time because I've got to sign on' would not have been something we looked on particularly positively. Words fail me!
Today's list of money saving positives:
*Rubber chicken - Day 3: Chinese chicken rice & a green salad for dinner. Chicken salad sandwiches for mr f's packed lunch today.
*Picked 2 cucumbers from greenhouse.
*Did 2 hours work in veggie garden. Weeded beans, peas & asparagus, strained nettle fertilizer bucket which made up 6 cans of free plant food. Fed courgettes, shallots, chard, beets & peas. Cut more nettles & comfrey & started off another bucket. The stench is unbelievable......think the most foetid nightmare cat litter tray you can imagine with an additional top-note of rotting veg.....(nice!)....but it's organic & free.
*Pulled more rhubarb.
Next job though, is unfortunately to put my feet up with an ice pack, as during my veggie garden efforts yesterday, I was bitten by some or other baddie on both ankles & they have swollen up horribly, despite antihistamine tablets & cream. I do have a bad reaction to insect bites, esp. mozzies & horseflies, so am assuming it was one of those. MUST get some serious insect repellent spray before we start camping or will be unsexy sore & swollen itchy MESS!
That's me for today, have a good day all.......ziggy, don't let that woman get to you. She doesn't sound worth bothering about & clearly has issues.....which are unlikely to be solved for her by being unpleasant to other people. Tell yourself 'I am better than this' & rise above it.
Cheers,
foxgloves x

josiebabie

Hello everyone,

A few days missing but still trying to keep up my DFW ways!

- Checked bank
- Completed on house today! :j OH gave me and DM's house keys on a paper tag that read "Keys to our new house my love xxx Lots of love Lloyd xxx" How sweet?
- Solicitor informed me we're due £300 cashback from our mortgage:j Going to pay for the new carpet :j
- B/L/D from stores
- LSD - had to buy some cookies to get change for school activities!
- Sell a purge
- Make the most of rubbish diary of work today!
- DD on her first school trip today (£10!)
- DM has done my net curtains!
- Booked carpet fitting for when OH has the day off
- Updated council tax

Probably lots of other things as well but they'll just "happen"

Jx