Wednesday 8th April what small DFW things will you do today?

xJOJOx_2

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 canceling 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. :money:

xJOJOx_2

Good morning all dfw's

So nice not having to set the alarm this morning :j the biggie today is to get the house sorted! Will get the little ones dressed and out playing in the garden while I get a scrubbing

Today's Listy

~ full house tidy
~ items on facebook selling pages
~ check banking/emails (done)
~ pay £9 off cc1 (done)
~ sort through bag and purse
~ nip local and use vouchers for milk (done)
~ check Rosta offer to work Sat if needed
~ pack girlies bags for stay at dads 5 days (done)
~ post ebay parcel (done)
~ rearrange dietbetic appointment for a months time
~ all meals from stock (pinic lunch)
~ take little ones park at some point (done)
~ no heating on. No TV on, too nice for that (done)
~ cinema tonight (planned)

That's it to begin with, first cuppa tea

Have a good one all xx

Baileys_Babe

Thanks for starting us off JOJO. I hope you slept better last night.

I didn't manage to post yesterday but I did read.

My list:
Open curtains fully
Turn off lights and appliances not in use
B L D from stores
Dry washing outside on the line
Educate my children for free
Entertain my children for free
Take snacks and drink with us to local event
Walk every where
Post birthday card
Close curtains before it gets dark
DW set to run overnight
WM set to run overnight

carrielovesfanta

Morning folks

Sorry to be dull - another short list.

• B/L/D from stores
• Check online banking and reconcile against spreadsheet
• Charge phone in work
• Crochet later

Hope you all have a good day


clf x

twiggy86

Morning all!

No incidents in the night last night!!!

Today I have/will:-
* Check banks
* Locate CD wallet
* Do load of washing on quick 30 degree wash and get on line before work
* Take lunch to work
* Go for walk at lunch
* Earn more on OnePoll
* Dinner from stores
* Scan CDs/DVDs into webuybooks to see if I can get a better price for any
* Put CDs into cases
* Change bedding so I can wash tomorrow morning and get on line

Think that's everything for today!

Hope you all have a good day and things pick up for those of you who are quiet.

ziggy2407

Good Morning All

JoJo - Thanks for starting us off, enjoy your day!!

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.

My little list:

Packed lunch for DH - Done
Continue purge on Emails -
Continue purge on FB & Twitter -
Surveys -
Check Banks - Done
Check swapits -
Enter a few comps -
All meals from cupboards/fridge/freezer -
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win -
Read -

Have a great day, love to you all

C x

1HANNAH

Good morning (just!)

Jojo - thanks for the start. My two kids are out in the garden too, make the most of it I say!

BB - reading your post reminder me I need to post a letter! thankyou

Clf, Twiggy, Ziggy & all that follow, hope you have a good day x

I was awake at 4am this morning and gave up trying to sleep and got up at 5am so will be shattered later I think its because I knew we had to be back at the hospital at 8.30am for my 6yr to have another batch of blood tests and it was on my mind, not sure why though really as he's been having them regularly since he was 3. Anyway we were in and out in 10 mins and it was the first time he hadn't sat on my knee for the bloods to be taken, he held his brothers hand instead, bless him. They were both so good. He's off to a friends for the afternoon so me & the eldest are going to paint the summer house in the garden (he's so excited as he thinks its a proper big boys job!) Paint is in the garage so no extra cost.

Rest of the list contains

[STRIKE]* Heating off
* All meals from stores - plan & prep
* Make soup using manky veg & left over gravy from fridge for lunch
* Check Banking/update spreadsheets[/STRIKE]
* Do some Swagbucks
[STRIKE]* Check Sun perks * Check FPL * Check TCB * Check Quidco[/STRIKE]
[STRIKE]* Check email survey oppurtunities
* Unsubscribe from junk emails[/STRIKE]
* Put nail varnish on the top of a key so that I can instantly spot it - was going to buy a plastic cover for it so save a bit there

Have a good day all x

Bobarella

Hi All
Today is dreadful at the shop. Have taken £12 all day. Just no one around. I am not sure what to do for the best for the rest of this week really. Do I just close up for the rest of the week thus saving £30 a day in childcare fees. Or keep going and hope for some trade Thursday, Friday?
It is utterly soul destroying to see the small lead I have worked so hard to achieve slipping away.
I have also sent a fairly rude email to the woman at the ombudsman today who is supposed to be adjudicator on my complaint. I haven't heard one word from her in a month. Starting to feel like I want to make a complaint against the ombudsman as well. How can it be normal to allow companies to treat people like I have been and then give them month after month to drag the complaints procedure out?
I followed all the protocols, wrote to the company concerned, waited the period they are allowed to respond by, then escalated it. Back in September! The ombudsman then allowed the company concerned till December to give a final response, which it did. And was a 1 page email of rubbish really. I responded to that via the Ombudsman. Who then determined that this company are not the main offender. It is now April and they've had since December to move this on. Since then I've had one letter to sign to say I want to now complain against the new company. And now nothing since.
I don't know much about all this but I just feel I'm falling between the cracks and no one cares.
Sorry to rant. I'm getting so bad for it lately. Was on such a high last week but what can you do when there are literally no customers??

2 hours and 12 minutes till I can go and collect son. Not that I'm counting..

Bob

FatVonD

Bob, if you think it's going to be slow anyway could you not take your son in with you to save on the childcare?

DawnW

Oh dear sorry to hear things aren't going well Bob. I suspect it is a combination of the school hols and the nice weather The insurance thing sounds a right pain as well. If the insurance company are not the main offender, who is, and why is the ombudsman not addressing this?

I managed to kick myself up the behind last night after OH went to bed and start to clean up the house, which had not been touched since I was ill last week. I cleared the dining room table, and cleaned the kitchen work tops and the cooker top. Anyway, I have got on and done all the downstairs today, and put all my sales stock back in the loft. OH still has a cold, but is thankfully out in his workshop in the sunshine doing some small jobs for his business instead of moping around indoors feeling sorry for himself.

Still to do:
Hoover and dust bathroom, bedroom and passageway on first floor. The only other room on this floor is OH's den, and if he wants that cleaned he can do it. I have shut the door :cool: Didn't get to this as DD turned up with baby GD

Hoover stairs and top floor bedroom and ensuite Didn't get to this either

Tidy garden as there are pots everywhere and it looks messy or this

Put baby tomato plants in bigger pots or this :o

Get washing in Done

Cook something for supper Did quite well here, pork in mushroom sauce and HM rhubarb crumble using the first of this year's home grown rhubarb

Nothing spent as yet, although there is not much milk left. Probably enough for OH today though (I don't like it) and if not he can pop over to the corner shop and buy some. DD wanted to go to town, so I ended up buying milk, plus a couple of reduced lamb shanks which I have frozen

Right, better tackle the bathroom! Oh well, there is another day tomorrow

Hope everyone is enjoying the nice weather

xJOJOx_2

Hey Bob

Sorry it's going slow this week. Next week should be better hopefully. I'd stick with it, incase regulars turn in. You don't want to lose regulars or potential new customers. Just one person coming in and liking place could be another person who comes in every week. Maybe a indeed of special offer for school holidays or something? I'm sure there must be ways to combat it but it's hard to know what without knowing area, clientele etc

Chin up xx