Monday 13th April - What small DFW-things will you do today?

determined_new_ms

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:

Morning everyone hope the weather was as glorious in whatever part of the country you are as it was here in the south this weekend :T

Quick post for me:

* checked banking & cc statement
* hang out washing
* put chicken in sc
* made dgd's packed lunch
* emailed ebay bidder asking them to pay for broken kindle they bought. Cannot believe I got £11 for something I was going to throw in the bin! :T
* b/l at work
* flylady bedrooms tonight
* NSD

Right if I get all of that done I will be happy! Better get a move on. Have a great day xxx

Bobarella

Morning Determined
Good to see you up and at em.
Just having a quick look at the net before work. How utterly heart breaking about the 7 year old boy who died in the skiing accident. The poor family.
Have to do a bit of shopping on the way in. Have £2.50 nectar points plus a 50p brand match. Also have to scan my bonus bar code to claim the 1000 bonus nectar points.
Managed to stick to the meal plan so far so tonight doing a chicken and aubergine curry.
Anyway I'm off to finish my coffee before work.
Bye for now.
Bob

ziggy2407

Good Morning All

DNMS - Thanks for starting us off
La E - Welcome back, we've missed you :T

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 absence, it's been a hard couple of weeks - extremely low, lots of little issues adding to (car problems/xbox one issues/printer issues/3 big insurance renewals = lots of month left and not a lot of money - but heyho, life's a rollercoaster but I'm still hanging in there so I suppose that is one positive). My little list:

Packed lunch for DH & DS - Done
Stew in SC -
Prep rest of veg for freezer -
Ironing -
Post 2 parcels -
Chase Microsoft to collect faulty xbox one -
Continue clear up in attic/craftroom -
Re-list few bits on facebook -
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

VoyagerC

Awaiting bankruptcy annulment next week. Everything paid off inc massive £17000 to HMRC. I earnt never more than £25K a year but have paid £36K in tax in 4 yrs. Self employed. Minor partner in husband business. Get taxed on my share of profit which I never receive. Find it v hard to find a book-keeper/accountant who's sympathetic to women and understanding that my paperwork is never perfect :-/. Any ideas? Live nr Windsor. Thanks.

Tebheag

Hi again looked up my last posts on here was 3 yrs ago time really goes by to fast unfortunately the debt is about the same at least its not got worse.
Voyager why did you never get a share of the profit ? Also if every bobys paperwork was perfect there would be next to no jobs for bookkeepers. Any proper accountant/bookkeeper should give you the first hour of there time free to discuss your needs etc. Make sure you question them regarding their knowledge far to many people out there these days doing courses then thinking they are qualified with no experience.
Today
Stay way from shops as very p'd off just seen my job advertised for full-time I was part-time still not had a proper letter or P45 been 2 weeks. done

Send email to old boss who was after me to do some work again explaining I am Free Done did not enjoy it. Yeah she called me up seeing her tomorrow to do some work for her again !!!!

Look for things to sell Did but not listed anything yet !

Find Argos Receipt got a cover I purchased couple of weeks ago not been used as kids nanny ordered her own wish she had told me before. Aaaah can't find

Hope you all have a good day

Bagpuss741

Today I have/will:

1. Checked online banking
2. NSD
3. Surveys
4. Free Postcode Lottery
5. Meals from stores
6. Catch up TV
7. Set budget for this week
8. Withdraw money needed for this week and then put debit card in tin

xJOJOx_2

Good morning everyone, hope everyone is well. Well I feel like I need to get my bottom in gear on the small things and getting back into routines, also I feel there's still lots of things I can pull back on. Much improved from where I was but we can't do everything in one hit. No work today so here's hoping I get lots done

Daily Dfw's
Check Banking/Emails tick
Postcode Lottery tick
Check Onepoll and any other surveys tick
Nightly routine (plugs/doors etc)
Prep lunches to take work/childminders tomorrow tick
Paperwork to council re request prepped to take tomo

Old school/Making things last
Use same 'daily' eyeshadow/lipstick to use up some supplies tick
All lights/switches off when not in use tick
Meal Plan for week ish...
All meals from stocK tick
Changing habit this week - don't boil kettle and walk off forgetting about and then reboil! tick
Seam to acquired a lot of half jars of stuff, so use up all of Biscotti first tick
Dressing gowns on and heating off am tick


Entertaiment/Leisure
Friend round with little one this morning, free socialising and play date for little ones tick
Take little ones to park in the afternoon tick
Check if ballet is on today for dd1 n/a
Board Games with dd's in the evening did book instead
Dancing to spotify whilst cleaning tick tick tick
Movie when little ones in bed tick
Read at least one chapter of book

Home and decluttering
Going to try and get in cleaning routine Monday's will be kitchen tick
Sort one bag out for charity shop
Sort out wardrobe 1 in bedroom

Upping my Income
Ebay at least one Item today
See if music magpie payment been made yetstill waiting

Have a good day all xx

FatVonD

Liking your categories, JoJo

I'm off work this week, yippee and posting from bed.

DH has taken the day too, little does he know that today's plan (when I finally get up) is to clean the house top to bottom in readiness for the surveyor coming tomorrow :rotfl: every room done except the boy cave. Having a rest before I tackle that

I need to call HMRC to get them to re advise DS of his NI number as he needs to look for a job since he's dropped out of college again (second year running.) i swear they deliberately keep you hanging so you do it online. I don't want to do it online as you have to print out the forms and send them to them. If I could do it and just submit I'd be all over it but I don't want to waste both paper and a stamp!

Brunch will probably be bacon and scrambled eggs and, since I'm off, a trip to yellow sticker land for something for dinner. Hopefully there will be a good selection as I'll be there earlier than usual.not a brilliant selection but did manage to get a Chinese chicken curry and ham and mushroom tagliatelle, I have other pasta YS meals already in the freezer but DH won't eat pasta so he can have the curry on a night that DS and I have pasta. For tonight we splashed out on the 2 Indian curries and 2 sides for £8 so not such a money saving trip after all!

Have a great day all, the papers said it would be hotter than Turkey this week, what happened ???

1HANNAH

Morning all

* Switch mobile off over night done
* Hang washing on line x 2 loads :Pdone
* Heating off done
* All meals from stores - plan & prep done
* Check Banking/update spreadsheets done
* Do some Swagbucks
* Check Sun perks * Check FPL * Check TCB * Check Quidco done
* Check email survey oppurtunities :P one yougov done
* Unsubscribe from junk emails done
* Read a chapter of my book thats been on the bedside table 1yr+:p done
* Make families lunches for school/work
* Walk to/from bus stop with boys done
* Kids breakfast free at Schools breakfast club:p done
* Fill water bottle at gym done
* Gym - shower & dry hair done
* Clean & tidy fridge
* See what else I can find in the cupboards to go into my food use up box
* Gather up note pads from around the house and put them all In one place done
* Gather all stationary up from various drawers around the house
* Find a folder for each of the boys - put in their various certificates that are laying around done
* Fix ds2 winter coat pocket before packing away for summer.
* list ben10 toys on gumtree
* Shredded old pay slips going back to 2003, sorted files out with hubbys pensions in, sorted and got rid of old instuction manuals

littlesprinkles

Wrote a huge to do list today, and one was calling about a complaint, was kept on hold for an hour! Checked bank and have less than I thought and not paid til next week. Not sure what I will do now. Feel too proud to ask anyone for help. Hubs has said it will all be okay though. From next month we will be much much better off. This led me to check about the marriage tax allowance, was meant to go live first week of April, still nothing!! Infuriating.

♥ Get to the bottom of laundry pile.
♥ Sort out kitchen.
♥ Clean sideboard.
♥ Write up cupboard and freezer inventory.
♥ Put bedding away.
♥ Finally do the ironing.
♥ Prep tea, all from stock. Chicken and tarragon pots.
♥ Send away for my free le creuset dish.
♥ List more items on eBay.

Hope everyone has a better day than me today!

carrielovesfanta

Hey all,


Thanks to DNMS for starting us off


Bob - hope you have a good day


La E - welcome back


ziggy - hang in there chuck. It's hard when you feel low *hugs*


Hugs and hello to everyone. Looks like lots of good mseing going on!


Sorry for going AWOL at the weekend. Struggling a bit at home atm. Need to get my bum in gear today though as will be away for work for 2 days!


Very sad, my new greenhouse tore in the high winds. Quite a small-ish tear along the seam though so hope I can fix it


Mission:

• Strained lamb stock into freezer bag - done
• Charge phone in work - done
• Check online banking and reconcile spreadsheet - done
• B/L/D from stores
• Take black bananas home from work and freeze for later baking
• Small shop at lunch time to make sure that OH has easy to eat food while I'm away - done
• Put asda receipt into priceguarantee - done, but not enough comparable items
• Write a list of easy to fix things that are in the freezer for OH
• Make bread tonight
• Attempt to fix greenhouse with clear gaffer tape that I have knocking around
• Tend to seedlings
• Write instructions for OH on how to care for seedlings while I'm away
• Bit of housework/general tidy
• Pack bags for exhibition tomorrow. Possibly iron smart dress.

Small list again!


Have a good one all


clf x