Friday 6th December - What small DFW things will you do 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 :wave: Happy Friday :j Another day and then it's the weekend at 5pm :beer:

DFW things for today:

* checked banking - no nasty surprises :T
* did vsp & will update sig
* all meals frrom stores - egg mayo sandwich for lunch & curry with LO chicken for dinner mmmmm
* take note of mileage & submit claim
* Flylady bedroom tonight
* go to the gym with oh
* call tile shops and ask where my blimming samples are!!!! We are due to start our bathroom the week after next and they haven't turned up arrrggggghhhhh!
* dd to give me some money she owes me
* call db later to arrange getting together at the weekend

That's all for me today! Have a lovely Friday everyone, hope it goes speedily and without a hitch! x

ziggy2407

Good Morning My Lovelies

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.

Yesterday the weather was horrendous and woke up today to very heavy frosts, so here goes on with today's little list:

Check Banks -
Check swapits - Done
General Tidy up -
Packed lunch for OH -& DS Done
Meals from stores -
Investigate where howling wind is coming from in DS room -
Check www.freepostcodelottery.com -
Filing & Shredding -
Catch up on e-mails -
Surveys -
Nectar Adpoints -
Enter a few comps -
List bits for sale/declutter - FB/Freegle etc - Keep relisting
Craft -
Knit - in progress (must finish last few fiddly bits on this gift - should be able to post next week dnms)
Read Book (from library) - in progress
Update here -

Have a good day, love to you all.

C x

determined_new_ms

aw Ziggy you are too kind! :A

ShootForTheMoon

Morning lovelies!!

A vary happy Friday to you all!! :j yay!!

Had a really great day yesterday, whizzed through the list, so hoping today will be similarly productive!!

Here goes:

Up early for a run before hideous weather kicks in - done

Check banking - done

Check Free Postcode Lottery - done

Clean fishies out - done

Quick shower - done

Cheapo fruit loaf breakfast - yum! - in progress!

Drive over to Wales to see Grandparents - will take leftover cottage pie from last night so they don't have to worry about cooking.

Dark wash on economy cycle and hang out to dry

No Spend Day!

Make Thai green curry from meal plan for tea

Movie night with OH later - nice quiet one before Xmas tree shopping tomorrow!! Argh!


Think that's about it really... Hope everyone has a fantastic day xxx

foxgloves

Morning all,
Have got off to a good start, though not the NSD I'd hoped for, as have just ordered mr f an extra birthday present......these people who will insist on being born the same month as Christmas.....what costly individuals they are!
A few moneysaving bits today:
-Shared bath water.
-Washed hair with the (very good!) free shampoo & conditioner I've been sent to test.
-Let hair get almost dry before finishing off with dryer, to save enrgy while ensuring I don't spend the next couple of days looking like I've been yanked backwards through a spiny hedge.
-Cleaned house using minimal products as usual.
-Firmed up next week's meal plans & wrote shopping list. (10 x dividend points at our Co-op tomorrow, so may also take Christmas food list too for a few more items)
-Postman brought Co-op letter with annual Christmas dividend bonus - £76 for us this year - will be paid into little Co-op account which we use for funding festival tickets (as that way, it feels like we are getting them for free)
-Did a few surveys.
-Dinner from freezer tonight Pot luck night....i.e whatever you fancy/or can find! Jacket potato with beef stew for mr f, home-made spicy chickpea burger in bun for me (I need space for festive baking).
-House not as cold today, as the horrendous gales yesterday contributed massively to the draughts. No heating going on until 6pm. I want to finish some knitting this afternoon, while watching a couple of programmes but I find a hot water bottle tucked up behind my back is fantastic for keeping warm.
-Make fudge to take tomorrow night when we go to friends' Christmas do. (Will put in little box - recycled of course - & tart up with ribbon, etc, & I won't eat ANY......except for testing purposes, of course....)
ziggy - A very good friend of mine has the same issues with her Mum. They visit daily & do all the jobs on the massive long lists she creates for them, but there are still umpteen calls. If she finally has nothing to ring about, she rings & says 'Did you just call me? I thought I heard the phone'. It's difficult, as I want to support them, but sometimes, I can't help feeling that they pander to this behaviour, but as they say, how can they know that the next call won't be an emergency? It's very difficult & I do sympathise.
Oh well........think I'll have an early lunch break, then get on with the fudge.
Love to all,
foxgloves xx

Maz6

Hi All,

Payday for me today so I've paid a bit extra off my credit card.
Also, planning to eat in tonight rather than get a takeaway as I would have done in the past.

Have a good one all.

its_maths_not_magic

Happy Friday gorgeous peoples :j

Today, keeping my mind firmly on my money I have:

1. Come here, be motivated by you all.
2. Organised my week's budget to the penny, not only have a payed some off my debts, I've saved some and all.
3. Cooked all food for today.
4. Practised my guitar.
5. Going to take the pooch for a walk later.
6. Looked after my teeth, and will again tonight.
7. Going to meditate.
8. Got some good movies on youtube to watch tonight.
9. Going to eat mindfully, and practise mindfulness.
10. Going to get the last of small xmas gifts for Mr NMN.
11. Got my bills all organised and payed on time.

I think that's about it. Have a great weekend everyone!

La_escocesa

Hi guys :wave:

I've been haemorrhaging money I don't yet have and feeling a bit flat about it all.

Got our house valued yesterday - hoping to make about £8k-10k on it so that's good. :j

Going out tonight with £20 and not spending any more!! Going to a nice bar with lots of mulled apple juice/wine (friend is preggers so she's on the apple juice - I'll have her share of wine ) so hoping to take it easy.

Have put the slow cooker on so it's ready when we get in - we're not ending up in a curry house or ordering take away!!

Got a few bargainous Christmas pressies - they kinda cancel out the couple that weren't so bargainous, right?! Overall I'm quite pleased :cool:

xxx

foxgloves

La E - Unfortunately there's nothing like moving house for money leaking like mad from budgets. When we bought this place, we were definitely pre LBM. It'll have to be different next time we do it!