Monday 11th Oct What Small DFW Things Will You Be Doing Today??!

determined_new_ms

When we start out on the Debt-Free Wannabe 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. :money:

Morning Wet and dreary day here! Cold as well! But nothing can shake the feeling you get when you've got a couple of days off :T:D Oh is going away to a conference and I've booked 3 days to go with him & stay at the hotel. He got a swanky hotel deal through Travel Zoo so we are going to stay at a country manor with a spa, bed, breakfast & 3 course evening meal for 2 night (it is in the town where my head office is in the Midlands so am going in to the office tomorrow to have a couple of training sessions while I am there)

But before we go:

* I need to do a couple of bits for work & send off
* checked banking
* calling & ordering a replacement bus pass for dd
* go through the fridge & freeze anything that looks like it's not going to last
* make sure everything is switched off at socket
* make a flask & lunch for the journey (oh is taking about a pub lunch & need to nip that in the bud!)
* taking patch work quilt I am making for dgd so I can finish it off - final stretch now just need to hand stitch the edging
* divide soup into tupperware pots & freeze

That's all. Better go get dressed and do these bits for work. Have a great couple of days guys x

ShootForTheMoon

Happy Monday lovely people!!

Thanks for the start DMNS!
Sorry for my absence over the weekend - worked some crazy hours following an incident on Friday - thinking of the overtime though!!

Unfortunately today is going to be a spendy day! The car is in for its MOT at the garage, so I have everything crossed that there's no nasty suprises!!

So, here's my list for today:

Quick shower

Check banking

Take car for MOT - found the cheapest local garage in the hope there's no work to be done!

Had free coffee (perks of the job!) and utilising wifi at coffee shop on the High Street whilst waiting for car to be finished! No temptation to shop and keeping nice and dry!

Resist lovely car wash boys based at garage and valet car at work later!! (Saving £20 in process)

Get OH to give me a quick haircut

Nectar Adpoints

Sign up to Free Postcode Lottery and play!

Make packed dinner to take to work.

Work 3-11 today - has been manic recently but got the buzz back too - nice to be enjoying it again!!

Use work gym to train tonight as weather is awful!!!


Think that's about it for today!!
Hope everyone is well, will try and catch up on the weekend's thread at some point!!
Have a great day, Shoot x

foxgloves

Morning Moneysavers,
Today's small MSE things:
*Economy 7 tariff used overnight to run washing machine, heated airer & also remembered to charge gadgets before 8a.m when tariff ends. Washer reloaded & airer filled ready for repeat performance tonight.
*Mended dehumidifier with brown parcel tape. (Dyson also mended this way.....brown tape becoming 'the house look'....)
*Squelched down the garden to pull some leeks.
*Cut up leftover pork. Only a small joint but enough for Madhur Jaffrey meat curry tonight & have got pork & leek soup in the slow cooker. Oh, & a packed lunch too.
*Dealt with some peppers in the fridge that I don't need this week. Sliced & froze for fajhitas next week, rather than have them going soggy.
*Postman brought another £6 of M&S vouchers (from having M&S credit card).
*Did a few surveys.
*Make more pear & cinnamon compote with the last of our home grown pears as they will be past their best in a day or two.
*Spotted that cat has come home from the cattery with someone else's biscuit scoop.....a bigger one, meaning that he has been getting nearly double portions! (Am wondering if he cunningly swapped it himself....) Marked a new line on it for correct smaller portions in future. These medical biscuits are too expensive to waste!
*Cleaned house using minimum of products.
*Finish Christmas sock.....nope, still not finished it yet, they never usually take me this long, perhaps I'm losing the ability to knit & yakk simultaneously.
*Start planning pre-Christmas family buffet which I'm organising, so that everyone feels involved & the cost & work is shared out.
*Wrap F-i-L's birthday present ready for mr f to drop off this week, to save on postage.
That's today's plans for now. I want to get down to some serious festive planning this week, as well as have a mid-month look at budgets following city-break & recent unexpected locksmith large bill.
Have a good start to the week, all of you,
foxgloves x
DNMS - Enjoy your trip up to the Midlands.....I can tell you that today it is pouring with rain so far, but supposed to get better later. (We're up the North East end of the Midlands)
f

Kate_fixing_it

Happy Monday all

I've had a weekend break and I'm feeling positive for the week ahead.

Today:
Checked bank
Withdraw PayPal money received
Package ebay sales
Charge phone at work
B/l/d from stores and meal plan
Write grocery list
Grocery shopping I hate it
Complete template letters for slim chance of PPI refund
Complete template letters for slim chance of bank charges refund
Buy stamps
Print letters at work
Write ranting letter to old letting agent for refund

Quite a list to get through and definitely not a NSD but have promised myself a festive costa if I get through it all and my work is up to date

Have a great MSE day everyone

Kate x

ziggy2407

Good Morning My Lovelies

DNMS - Thanks for starting us off and enjoy your break away

Hi to all of the regulars and a BIG welcome to all the newbies, this is a really FAB thread with so many lovely, caring, considerate and supportive people.

Today's little list:

Check Banks - Done
Check swapits - Done
General Tidy up - Done
Packed lunch for OH -& DS Done
Post Office (items sold) -
Meals from stores -
Check www.freepostcodelottery.com -
Catch up on e-mails -
Surveys -
Nectar Adpoints -
Enter a few comps -
List bits for sale/declutter - FB/Freegle etc - few more bits gone
Craft (have got lots of orders from school mums for reindeers, mice and snowmen soup - yaay) -
Knit -
Read Book (from library) - in progress

Have a good day, love to you all.

C x

carrielovesfanta

Hey guys,

Thanks to DNMS for starting us off. Your break sounds fab, am very jealous!

Not feeling amazing again today after a good day yesterday. Grrrrr. Back in work too after the weekend. Think I might need a day off but none until December.

In response to yesterday's enquiries about the colour restorer, here is a link http://www.boots.com/en/Colour-Restore-Deep-Red-Hair-Toner-100ml_1262300/

Ooo and it's on offer at the moment! (nips to Boots at lunchtime...)

Basically you can leave it on for varying amounts of time depending on how much red you need (they also have other colours). Personally I need lots of red. The colour looks blood red straight from the tube but actually washes out neon pink! It basically put the pink tone back over the orangey base colour that gets left on your hair when you dye washes out.

I find that my very red hair fades in about 2 weeks. This stuff props it up again for about two weeks at a time. It also disguises my roots a bit too. It's normally £11.99 a bottle but a bottle does me 5-6 times (I have hair past my shoulders, but it's fairly thin). Because it's not a bleachy permanent colour, it doesn't wreck your hair by dyeing it loads.

Hope this helps. Will post my proper list later

Have a good one all

clf x

sparklychar

Ahhhhh today s not going to be a brilliant dfw day. We have decided to rejoin the gym, we want to get healthy, have a joint hobby and both need to improve our mental wellbeing. Will be haggling though!

positive things today:
paid in cheques
fpl
weekly shop but dont need much
maybe a few adpoints.


Have a good day xxx

mrsbarter2012

Hi everyone :wave:

Wet and miserable here today

Popped to Li*l this morning to do the grocery shopping and came in £16 under budget! May need a top-up of milk/fruit later in the week.

Then spent a very enjoyable morning making xmas cards with DD using supplies already stashed away in the craft cupboard. Managed to keep the mess to a minimum and no paint on the furniture :j

OtherDFW things I will/have done today are:

• Washing on 30degrees quick wash and hung on airer/coat hangers etc
• Made £4 on a toy sold on hubbys FB page
• Check ebay listings - no bids yet but hoping
• Meals from stores
• Heating off for as long as poss
• Trying to cut down the electric usage so am doing a trial this week, making note of the balance on the meter at the start/end of the day.
• Turned everything off at the plug except the vitals i.e freezer!
• Hot water bottle to warm the bed later not electric blanket
• Check postcode lottery

That's it for now. DD gone for a nap,think I may do the same,feeling a bit under the weather.

x

Pernicious

Hi everyone!

Thanks for starting us off DNMS.

Super quick post from me today.

Today's plan:-

• Making use of free water at work
• Food from stores
• Staying in for my lunch break to avoid spending
• Dinner from meal plan - Sweet & sour chicken
• Log calories & exercise on free apps
• Checked birthday bingo
• Charging phone at work
• Check online banking
• Check for new mystery shopping opportunities
• Enter some comps
• Do some surveys
• Declutter & flylady
• DH hopefully doing a bit of overtime today
• Heating off as long as possible, fleecey dressing gowns on instead
• Booked travel insurance again, I had to cancel it as I put the date in incorrectly & they couldn't amend it...but it turned out to be cheaper booking it today anyway so I guess everything happens for a reason :j

Hope you're all ok & have a great MSE day x

Bohochange13

Feeling so sorry for myself I went AWOL at the weekend not yes NOT achieving anything! Nothing! So Monday is here and that is all going to change as I'm feel better! I don't like this time of year, I need to change that feeling! Find the positive spin on winter

Not much of a list as am working but here goes!

- charge phone at work - done
- all meals from stores (apart from the crisps I needed as was flagging - still trying to build myself up and feeling ever so guilty about it)
- exercise (need to adapt a healthier lifestyle for the winter)
- wrap up eBay parcels ready to post tomorrow
- check online banking - done and as expected 50p in account
- list unsold items on eBay - done
- work out my total made from recent sales
- prepare breakfast and lunch for work tomorrow
- update Christmas present list
- update my diary on here

That should keep me going! Hope your all ok!

Kate_fixing_it

I can't quite believe it but I've done everything on my list except buy stamps!

I decided against the coffee, I'm saving that treat for later in the week or maybe next week I'm feeling really pleased that these things are becoming habits now

Kate x