Monday 12th August - what DFW things will you be accomplishing today?

happytails

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 :T

Thought green would be a nice serene colour for a monday morning

Today im off to the park with the MIL and the kids then im calling at my mums to see my auntie and give her the present i made last night Mum is buying cake Hopefully a low spend day.

Got some tidying to do this morning and im using up the bread for lunch, not sure what yet, probably toast with something as its not very soft now.

Check ebay.

Husband doing 2 hours overtime tonight.

Cheap dinner and meal plan til Friday.

Wash a load of buttons (for clothing) to bag up and list on Ebay when i get chance.

Start prep for Xmas. atleast 1 thing a day. Today i think i will compose a list of people ill be buying for.

SArah

La_escocesa

Hi guys :hello:

How are we all?

I'm at home today on leave. Yay! Prepping for yoga teaching and starting the last bit of coursework for the teacher training course.

Small things:
Slow cooked chicken yest so leftovers for tea tonight
Sent OH off to work with porridge pot
Doing my on hair dye - Lush's henna - wish me luck - looks messy and never used it before!
Check banking and all that jazz

:question: I wondered if anyone would be up for a closed FB group to post on throughout the day? I'd definitely find that easier for keeping in touch. I'll add whoever I know and you can join if you'd like. If you want to join you could PM me if we're not FB buddies. No pressure if you think it's a rubbish idea

Pippilongstocking

\Hello all and thanks for the thread Happy tails

La E - yoga teaching that sounds awesome - good luck with the hair dye.

PS I'd be well up for a closed FB group - not sure who I've got on my FB thesedays.

Well its hammering it down today - been out for an early walk but I'm so glad i'm not out now.

Teabreak time at work so I'll pop up my list for today.

Do work expenses
Do banks
Do cc's
Work hard
Meal from stores now nicely replenished
Try and have a NSD we don't actually NEED anything.
Spag bog to portion up for freezer
Cordial to bottle
House to clean
Mutts to walk.
Fathom plan for trip down to central again at end of month.

That sounds enough for a Monday doesn't it?

Have a good un chaps!

hampsterpoo

Morning ,
Dont think Im going to be saving any money today but hopefully can keep it to a low spend day .

Dentist later, , (recovering dental phobic , so have a special MP3 track loaded onto player) .
Its check up but I know somethings not quite right so blurrrr .

hopefully it will band 1 but more likely to be band 2 and hope not band 3 , work.
Back from dentist , with no work needed and nice shiney polished teeth, so only the £18 fee.

Need to kick my butt and motivate myself to work on my website
But then also need to be outside working on the garden.
Make a sausage meat plaite for dinner.
Read some chapters of my book , while no-ones about.
Read yesterdays papers. .........oh dont look good at me doing much today with all this reading.
I have done 1 load of washing and about to do another now.
All out on line drying nicely.

lilian1977

Hello all

That FB group sounds good LaE, I'll inbox you now.

My things for today:

Post Ebay item that netted me £51 - although will need to take Ebay fees into account.

Pay in local earnings from selling stuff over the weekend - £58 to pay in in total as I put a £2 coin into my pot and a couple of things haven't been collected yet (another £5 when they are).

Pay total earnings off CC - should leave me with about £25 to pay before it's gone.

Take back dress MIL bought me that is too tight around my waist (poor pot belly) - decide whether to keep the £40 cash that I'll get from it or whether to treat myself...

BLD and snacks from stores. Jack Monroe's Tomato and Haricot soup for lunch (replaced haricot with rinsed baked beans as they're the same thing but cheaper!)

Check banking - all ok, £2 refund from National Lottery as I've decided it's a fools game, so that will go on CC too.

Download all information about Butlins to make sure we have thought of everything before we go (16th September so plenty of time if we haven't!)

Check Ebay - all running smoothly.

If I have time, free coffee from Waitrose.


I think that's everything. Happy DFW days all x

happytails

Woohoo, someones been bid happy, i have £20.50 worth of bids on the stuff i listed on Ebay!! :j My ebay app keeps pinging! NO MAKE THAT £36.50!!!!!

Got an argos receipt to "tell Argos" how my experience was, win £500 so why not!

Sold £3 worth of toys to my SIL (well i wanted £6 but its SIL and she is skint too)

Will add more as i go!

lilian1977

Just remembered - I also made my mum a birthday card at 6am this morning to save buying one today!

ShootForTheMoon

Hi Gang!!

Back from a fantastic break in Cornwall, going to aim to tighten our belts 'til the end of the month now, so the holiday shouldn't impact too much on the old budget!!

I think the FB group sounds like a fab idea too!! Good skills LaE!! Anyway, hope everyone is well... I haven't had time to catch up on the threads yet, so :j to everyone that deserves them, :grouphug: to everyone that needs them, and :wave: to any newbies!!

My list for today:

OH is baby sitting for her best mate, so we have a little sprog for the day!! Been swimming on our membership and played in the Pirate pool with sprog!

Cheapo fish finger sandwiches for lunch as apparently all sprogs like them?!

Check online banking, skim accounts and set limits for spends this week - always hard when OH is on school holidays!!

This one's probably wishful thinking - but go for a run before work

Work 3-11pm - will take L/O pasta bake for dinner and drink free coffee and water through the shift. Will also share a lift.

Last holiday wash and hang out to dry. OH has promised to do the ironing!! :j

I think that's about it tbh, not terribly productive, but should be a NSD!!

Hope everyone is good!! Lots of MSE love to you all xxx

allydowd

Afternoon all,

Had a busy morning. Long, free, walk before breakfast and before the rain set in, then job-hunting (yawn) and loads of personal admin (more yawning).

This forum looks like it's working again now. Or maybe not, it seems.

The List:

Breakfast: sausage sandwich, one sausage thinly sliced.

Lunch: very cheap 'pate' on toast.

Free entertainment: Men In Black II from the cupboard.

OH to tend garden. Broad beans look nearly ready.

Sorted out this month's budget. £16 short...will need to wrangle some more figures.

Deal with whatever the postie delivers as soon as it arrives.

Pernicious

Hi everyone,

MSE wasn't letting me post at all yesterday, not impressed!

Thanks for starting us off happytails, you're so organised thinking of xmas already.
La e - Love the FB group idea
ShootForTheMoon - Glad you had a great holiday.

Today's plan:-

• Making use of free water at work
• Charging phone at work
• Staying in for my lunch break to avoid spending
• Food from stores, lunch is salad with some chicken leftover from yesterday's roast which nearly didn't happen due to a takeaway craving! We resisted though, phew!
• Dinner from meal plan – HM Spag bol, will batch cook so we have a "ready meal" to go in the freezer
• Log calories & exercise on free apps
• Checked postcode lottery & birthday bingo
• Check online banking & DH's...
• Check for new mystery shopping opportunities
• Enter some comps
• Do some surveys
• Declutter & flylady
• DH hopefully doing some overtime this evening
• Check if cashback has tracked

Have a great, MSE day everyone x

foxgloves

Morning Monday People,
2nd attempt at posting. 1st post seemed to upload fine, but then noticed the text had somehow gone missing. Will try again.
Positive money-saving activity today:
*Laundry done overnight on Economy 7, 30 deg, Mrs Scrooge with powder.
*All line drying outside as windy day.
*Hand washed a couple of extra bits to avoid using energy for a third load. 2nd load already in, on timer for Economy 7 tonight.
*Swept hard floors with long-handled dustpan & brush rather than waste energy (both mine & the paid for kind) getting the hoover out.
*Watered & fed veggie garden.
*Cleaned off the potatoes we dug at the weekend, stored in pantry for use this week.
*Garlic strings now dry, so brought in & hung from kitchen beam ready for use. (If that makes anyone think I live in a lovely ancient old cottage or barn conversion, (I wish!), I can tell you that our kitchen beam is actually a supporting joist put in when some idiot previous owner knocked a key wall out!)
*Mended beady door curtain.
*Sewed a curtain/cover for our camping kitchen unit. The ones with covers were priced £30 higher than the one we bought. I've made similar using £2-97 worth of tablecloths from the 99p Shop. Very pretty in a sort of vintage flower-power way!
*Wrapped some birthday presents using paper/giftbag/ribbon from my box of recycled wrappings, plus a home-made gift tag.
*Dinner from meal plans - jerk pork-topped pizza from freezer, which I made last week during my rubber pork efforts, plus salad from the garden.
*Tested new heated airer to check it works correctly. (Bought this to use in winter as we don't have a tumble dryer. Supposed to be reasonably cheap to run. Don't want to return to drying clothes on radiators, etc, as this was creating black condensation marks on walls, & we've since redecorated. Hope this is a good solution for us).
*Stash airer packing material in shed......by lucky hap, it was wrapped in a huge sheet of horticultural fleece-type fabric. I've bought that stuff off the roll in the past so nice to have a free supply.
*Make a note of payment date for a holiday booked for next year (when there's a significant birthday...aaagggh!). Plenty of time to save the money, which is not, not NOT going on credit!
*Budgets updated, admin basket cleared & filing done.
*All coppers chucked into Penny Jar.
*Did some surveys.
*All free entertainment today:Knitting, read library book, watch a tv recording & enjoy watching 2 of the dimmest pigeons in the world, who have decided to build a nest in the conifer outside our kitchen window.
Think that's it for me today, thought I've got 'Doingstuffitis' today, so you never know!
Have a good start to the week, everyone,
foxgloves x