Tuesday 11th February - What small DFW things will you do today?

littlepinkstars44

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

littlepinkstars44

Morning all! Back to the early mornings for me today.

Plan:

• Work 6:30am-10:30am done
• Meals at home - stick to diet
• Washing on and over airer/heaters to dry done
• Clean bedding folded and put away done
• Tidy up and hoover done
• Check banking done
• Check Ebay done
• Post Ebay sale done
• Package up another Ebay sale to post tomorrow done
• List a few new bits on Ebay done
• Study for maths exam done
• Read some of book
  

niksyg

Morning!

Haven't popped in for a while, but here are my small DFW things for today:

BLD from stores
Just paid 10% off my credit card balance
Checking online banking
Check birthday bingo and freepostcodelottery
Charge ipad at work


Have a great day all :-)

good_advice

Good morning,Happy penny pinching Tuesday

I did a Tesco shop last night.Went a bit later @ 7pm to see difference in price the reduced bit was.Well! I was disappointed. The only reduced was some ready made sandwiches I did not want.
Spent 47.57 on staple needs = 3 milk, 2 loafs, potatoes, eggs, fruit and veg. Orange squash, Pork chops and sausages etc, etc....

Picked up the McCain frozen jacket potatoes I am testing. I think 1.65 for 2 small frozen spuds is a bit costly.

Just having morning coffee and husband is making bacon sandwiches for breakfast. yum!

I wonder how many surveys I shall be asked to do today? I did plenty yesterday.

Just turned off x3 early morning lights, all curtains open and it is getting light now at 8am.

I have tidied up my clothes cupboard and moved things around so diffrent tops get worn.

I started reading my kindle then curled up like a little dormouse and went back to sleep.

Dinner = pork chops, new potatoes and fresh steamed veg.

determined_new_ms

Morning thanks for starting the thread LPS

Sorry I haven't been around for a while, feeling a little fed up - work & personal issues getting me down have found out as I am a FTC and my company has announced a restructure I won't even be able to apply for my own job until after the people who are at risk of redundancy have applied and either been appointed to my role or it is still available. Feel really fed up over this as I have worked so hard & given so much to this role. Back to the job search....

Anyway must try to keep my head above water!

DFW things for today:
* check banking
* pay oh's dm for flights
* give oh money for new laptop (I broke mine at the weekend )
* post off letter
* ask oh to drop off dd's clean washing
* do another load of washing
* check onepoll
* am in the office for a few hours this morning, need to prepare for meetings tomorrow & Weds & get through a couple of bits
* going for dinner tonight at my friend's and doing our sewing group
* B/L from stores

Think that's all for today. Hope everyone is ok x

ShootForTheMoon

Thanks for the early start LPS...

Sorry for the lack of post yesterday. Had it all written out, then stupid phone deleted the while thing, and I really didn't have the time or motivation to write it all out again!!
More importantly, Ziggy, I hope you're feeling loads better today xxx

So, I'm working 3pm-1am today, so will try to make the most of the day... Here goes:

Check banking

Shop around for new glasses - only need them as spares as I wear contacts every day, so nothing too flashy and expensive!!

Nectar Adpoints

Check Free Postcode Lottery

Submit gas and electric reading

Make ginger cake for work later

Last load of washing from the weekend

Pick up new work torch - old one can come home!

Take yesterday's beef casserole to work for dinner

Hoover round the house

Get out for a run in the rain!!

Quick shower

Pop round mates house for coffee & catch up rather than going out

Follow up on friend's offer of 6 hours labouring in their garden for £75 cash - could be a quick win!!

Submit OT at work

Meal plan & budget for next week (this week is awful as I'm working lates all week so we won't see each other for dinner etc)


Think that's about it for today my lovelies! Hope everyone has a great day!! X

ziggy2407

Good Morning Lovelies

lps - Thanks for starting us off today
dnms - sending massive hugs & lots of love :A

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.

Apologies for not updating yesterday but didnt bother too much with list and tried to be a bit kinder to myself. Anyway, I went for my opticians appointment and although I dont need glasses yet I do have some scarring on the back of my left eye (?) and a couple of the tests werent as expected so I am being referred to the hospital for further investigation, still trying to get a docs apointment . I am going to take it easy today as have the dull ache back and it is OH's birthday today adn we are out for a meal tonight with his daughter. So today's little list :

Check Banks - Done
Check swapits - Done
General Tidy up - Done
Packed lunch for OH & DS - Done
Work on project 7 of 52 -
Check www.freepostcodelottery.com -
E-mails -
10 mins on Yantra Mat -
Count my blessings -

Stay safe everyone (another wet and windy here), have a great day, love to you all

C x

ikesmummy

Morning all, thanks for starting us off again LPS.

Very quick post before I euush out the door. My small DFW things today are

• Drop children at friends for her take them into school so I get to office 1/2 hour earlier.
• Park at friends and walk into office to save on parking
• Check bank
• Check free postcode lottery
• Everyone's having packed lunches
• Dinner from stores
• Any other little things I can think of

Have a good day all xx

[Deleted User]

Morning everyone!

Ikesmummy - thanks for starting us off. Ziggy, I hope they can get to the bottom of it. Determined - that sounds grim. Hang in there.

Heres todays list - I'm inspired every day by something someone writes on here, so my wanna do list tends to grow!

• Read up the energy saving post by foxgloves (I think?) a few days ago. I was reading on a mobile screen but there were some gems in there that I don't yet do. Interested in the heated airers - have seen these in lakeland before now - and also, if anyone has any tips on how to clean out thermos flasks to get rid of the flasky taste??? Trying bicarb of soda in the flask...
• Swagbucks - DONE. Just checked out another £5 voucher but haven't received the first one yet. Not sure what the process is really - both orders are stated as verified now...
• Staying in bed to do laptop things rather than put heating on! DONE
• Walking up to town (in rain) later - need to gradually build exercise in again after a few weeks laid up. Meeting DM for lunch at p-xpress using tescimo tokens DONE and bought half my pizza home foe lunch 2mrw!
  
• DD has offered to make bread this afternoon. We are new converts to this after hearing lots about it on here, and finding a (very out of date) granary flour in the storecupboard (it worked fine on Friday!) DONE, although its baking now (10pm!)
• paying guest coming tonight - need to tidy house and make bed for her. Ideally just a skim through as we had guests at the weekend too, so its not too messy! DONE, plus ironing too (latter courtesy of DM)
• In town - drop off application for residents pass to our local cathedral and go and get a stash of free leaflets from tourist information. DONE and Bob, I walked again!
• Make date for outlaws to come to us for dinner - saw them last night and they clearly are missing DD now they don't sit for her regularly
• Research holiday accommodation - cheap options that will minimise cost of traveling once we are there
• List items on Ebay - free listing today! Got burnt by p&p on last few bits must do better research next time!
• List items on Facebay
• DD has running tonight but more storms may mean she doesn't want to go (saving us £3!) She didn't!
• Update budgets and signature DONE
• Arrange DD for family loan (direct debit!!! not DD!) NOT DONE YET
• Ex keen to speak about money he owes me. Horay. Its not much but with more costs coming our way from school trips etc I will be glad if he keeps on top of it. DONE. AWKWARD AS EVER!
• Friend has been encouraging me to consider taking students in over summer. Need to work out cost/benefit of this. Existing paying guests don't need extra food beyond breakfast but only tend to book one or two nights at a time. But may be nicer for DD to have young people staying. Possibly worth a try. Didn't do sums yet

hampsterpoo

Morning all,

so today
First load of washing on - 2nd on now DONE NOW ON 3RD
check freepostcode lottery DONE
Check surveys - DONE
Enter comps DONE
List DD's stuff on ebay as I got the invite :-) 57 ITEMS LISTED SO FAR.
work on website ONGOING
Lunch from fridge DONE
Dinner from supplies - Sausages
Check email I got from an ebay seller offering me other items I might want , have to check through cupboard as I dont want to buy stuff I already have. DONE
Adpoints . DONE
More washing and sorting laundry DONE
Put bins out DONE and put back
Read old newspapers and bag up whaT I can to take to work tommorow for the people with fires & doggies. DONE
General tidy up ONGOING
read book , (yer right, like thats going to happen) Maybe it could happen !!!

Have a good day everybody.

Bobarella

Hi Everyone

Thanks for starting the thread LPS.

Hoping the weather is not to extreme for any of you, its pretty wild out there today in London but nothing to bad in my area.

Determined - Sorry to hear about your job, it is never nice to feel you've poured so much of yourself into something only to see it not work out.

Good Advice - Those yellow label shops are either great arent they or pants. For ages the local shop to me just seemed to have 2 packs of beer where 1 had been taken out, so they were selling reduced, for not that much cheaper. And besides, I would struggle to see beer as something I'd stock up on as a bargain.

Ziggy - Hope you manage to get out tonight & enjoy the birthday meal.

Crazylady - Glad I inspired you yesterday to get out to the post on foot.

Well me today.

1) Did all the usuals, son off to school with a lunchbox, husband with a packed lunch. Im heading to a friends for coffee shortly myself.
2) Checked Adpoints & did some for a change. The spooky home invasion film fills me with terror, for 4 points! Not something I'd usually watch IRL.
3) GreasyPalm daily clicks, looks like I havent had them credited for a few days, will keep an eye.
4) Music Magpie have finally released our funds but will now be 3-5 days to recieve them.
5) Dinner planned for tonight
6) Used a 1p off brand match coupon to buy fruit this morning. Also noted the self service check out had done me out of 80p that I'd paid in. The check out lady ended up paying it herself which felt a bit wrong to me, I wonder how often they do that, I assume she'll be paid it back by Sainsbos.
7) Checked banking & business banking. Utter panic really on the business front. I knew my VAT was coming out soon but recieved no email notification from HMRC to say on what day, well its tommorow apparently. Am going to have one of those hideous days where if certain other payments land at the same time I could end up either on the phone to the bank begging them to honor the payments, or pee off my suppliers, or trying to scrabble around & find the shortfall myself. All depends on how today goes as well I suppose. Life. I suspect will be updating my time since financial disasters ticker below back to zero soon....
8) Husband & I are going to try and do a romantic dinner in for our valentines evening this friday. Im not really into v day, but I feel like I've been neglecting our relationship so much lately, mainly due to stress, & it feels bad. So he's in charge on that front.

Good luck to everyone today saving those pennies.

Bob