Thursday 20th March - What small DFW things will you do today?

ziggy2407

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:

ziggy2407

Good Morning All

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.

Another quiet day (and I'm getting fed up them now ), so I will:

Check Banks - Done
Check swapits - Done
Check www.freepostcodelottery.com -
Packed lunch for DH & DS - Done
Catch up on emails (& unsubscribe from any no longer wanted) -
Catch up on Adpoints -
Sort thro another craft drawer (use/pass on/bin) -
Read library book -
Parcel up a few bits I want to send to friends -

Have a great day, love you all xx

C xx

xJOJOx_2

Morning everyone

# Check banking and ensure enough will be there for bills with my weekly £50 payment

# bag up coins and pay in bank! not much in there but going towards my next £100 overpaint on loan

# budget money over next few weeks for Easter and a couple off meals out

# sort out baby clothes she has grown out off

# do all washing and drying today

# dentist appointment - make use off free dental before it runs out

# meals fom stock! though not much in

# make o/h lunch for tomorrow

# no spend day

# get lift to town so no bus fares

# think off craft project for 4 year old to keep her entertained this afternoon

# quick tidy round and Hoover

# start reading one off the books my sister has downloaded

# hopefully NSF but if I do add any purchases into spending diary

Pippilongstocking

Hey up Ziggy thanks for the thread - must get on here and post more often.

Today

Well the machine is on and that will be hung up inside soon.
Banks/cc's checked - all squeaky but OK so far.

To do
Sofa cover to wash
Floors to clean etc
Bedrooms to hoover and straighten up
Land lady coming later to 'inspect us' for deposit back and get a new tenant coming over too.
Tidy up garage
Walk el mutts locally
HM meals from cupboards
Organise fridge/freezer as its gone a bit a cropper in there.
Hope to hear from Job interview today surely?????????
Do a bit of work at home - save petrol
Might go into town later but will be for work so petrol expensed.
Finish another job application for a community gardener at my fave garden link here if anyone near Edinburgh.
Store tea tonight - thinking something fishy
DD to drive into a concert tonight make most of the spends on the insurance
Bag to charity shop if I'm out
Compost (old tomatoes) to bag up for veggie garden as a mulch
Sort through bedding and declutter it a bit
Same for towels
Clean bathrooms with minimum chemicals
Do some baking for treats for the chaps.
Meet a chum later to sort out a plan she has for a herb business
Talk to sis about rehoming a greenhouse
Look through bag of seeds..........and dream - no point in planting anything here but might try and get some things sorted for when move.
Phone up about an oil delivery

Lots to do and mainly at home.

Hope you all have a great day.

yorpington

Hi all,

DFW plans for today include: hoping my 0% card finally comes through so I can xfer the balance, making plans to pay stuff off with payday tomorrow (yay), and finishing an essay I have due so I haven't wasted all the money I've spent on my degree so far!!

I got a memo to say I've had a credit on Amazon from a pre-order which dropped in price. Going to use it to buy supplies to make three birthday gifts next month. Every little helps!

Have a good day all

foxgloves

Morning Campers,
NOT a good start on the money-saving front here today as decided I won't stop worrying about cat until he's been to the £vet£, so have booked him in for tomorrow. Also booked windscreen repair but have been told we probably need a replacement (£75 excess) if we don't want to fail our MOT......on Tues! That'll teach me to listen to mr f when he says the stone chip on the driver's side isn't big enough for an MOT fail because.....it bloody well is!! Moan over....onto the list:
*Saved a bit of energy by switching off iron for last garment of the huge heap I did, saved kettle water in flask for next drink, heating off till much later, dehumidyfyer off, no need for heated airer as everything got dry on the line yesterday.
*Meals as per meal plans - lentil dhal & rice....using up ancient yellow split peas which may as well be made from tungsten steel the amount of time they take to cook! (Only buying chana dal ones in future!)
*Make tomorrow's packed lunch & work snacks.
*Remembered to take turkey mince out of freezer for mr f to make his lovely turkey chilli tomorrow.....as 'Ingredients still in freezer' has equalled many an expensive take-away in the past, not good for budget or weight-loss.
*Checked veggie seedlings - the leeks are coming up. 3rd year of using the same 2 packs of seeds.....which were free! Whoo-hoo! Love growing leeks!
*Sow some more free flower seeds.
*Free fitness - did 50 min exercise DVD routine which equates to a 500 calorie-burn. Wasn't really in the mood, but Weigh-day is hoving into view again :-/
*Pulled another 1.5 lbs beautiful pink spring rhubarb - will blanch & freeze ready for a crumble to feed the hungry hoards over Easter. Left forcing crock off so it can start building up towards its summer crop.
*Decide what to do with cooked leftover veggies in freezer. Will probably make into bubble & squeak cakes & freeze.
*Do meal plans for next week.
*Check grocery budget & start shopping list. If we have a week eating out of the freezer & pantry, we should come in on budget this month.
*Add free bottle of wine to wine rack.....courtesy of Labour Party meeting raffle.....don't mind if I do!
*Hem last sleeve of the shrug I've made out of an old too-big purple top.
*Hopefully time to knit more of current project for present box.
*Did a couple of One Poll surveys - only 2 on there for me today but one was 50p & the other 20p, so worth the very few mins it took, as am well over halfway to cash in again.
OK, must crack on with this lot, as it took me longer than I thought to sort out windscreen & cat worries.
Have a good day,
foxgloves xx

kjp

Evening all

Not an overly eventful day but thought I'd update anyway, trying to get back into the swing!

Checked banks and updated spreadsheets - loan payment has gone out, now under £2k, 7 payments to go!
Popped into supermarket on way home for lunch fare for tomorrow and next week - got reduced bagels, reduced rolls (which went with soup tonight), reduced crumpets for a more interesting weekend breakfast than porridge, cream cheese for the bagels and a sneaky treat of (reduced) egg custard tarts and a bottle of beer, Gave myself a £35 food budget for this pay month as I had tonnes in store, and will have finished the month £4.37 under - woop!
Placed an online Asda order this morning, £1 delivery slot, £10 TCB. Will tweak between now and delivery day to make sure it's everything I need for a good bit of batch cooking.
Not money saving but future proofing my income: got 74% in a mock exam, so pleased with that! Passmark was 50%!
Spending the evening budgeting for next month (am owed £150 in expenses which won't get paid this month, so will have to steal from the savings to pay off the credit card, humph), catching up on TV, and maybe updating the diary?!
Checked free postcode lottery and birthday bingo, and checked the secret little draw at the bottom of FPL - not today, sadly!

Think that's me done, have a great night all xx

kjp

Funny how actually a relatively quiet day has turned out to be quite moneysaving - guess this means the habits are becoming ingrained?!