Friday 10th July - What small DFW things will you do today?

ziggy2407

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 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!

So be proud of those small steps, they really are important! :money:

ziggy2407

Good Morning All

Maria - I read your posts and spent a while looking for reports and like you said well hidden and well planned to get lost. How will this affect you and your family? Is there an online protest/petition?

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.

A very small and boring list today, hubby has a funeral this afternoon so will be home later than normal

Packed lunch for DH - Done
Pay sons b'day money into bank -
Make frame for friend -
Filing & Shredding -
Keep "bumping" my for sale posts -
Continue purge on Emails -
Continue purge on FB & Twitter -
Surveys -
Check Banks -
Enter a few comps -
All meals from cupboards/fridge/freezer -
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win -
Read - wip

Have a great day, love to you all

C x

enjoyyourshoes

Hi its Friday its crackerjack or is it Crunchie ?


Well Aldi and Tesco fir weekly food shop, list in hand (not on list do not buy)


Batch cooking for next week:-


Sarnies for kids for freezer


Main meals and puds for freezer


Shift some money around to justify bank account criteria and earn extra %'s


Sort out new pressure washer that only stays on for 40 seconds !

Bobarella

Morning All

Bad night feel like I've been dragged through a hedge backwards. Leg cramps & phantom bad tummy pangs the sort that have you up sat on the loo for ages at 3 am but lead to nothing. On my 2nd coffee before I head out. Really really glad it's the last day of the working week. Tommorow I have a party booking but it is for space hire only so the mum has already paid for the space and has someone else catering. Means I just need to be there mid afternoon to let them in and be around to help tidy down after. My OH will also be on hand to help so far less physical than last Saturday.

I made a small payment to CC2 yesterday using the £2 tips I recieved. So that has now nudged it under the £500 milestone (£499.55) if I get any tips today will do the same. CC1 the main one will go under the £4,000 mark at the next min payment in any case (not till July 30th) so that is starting to feel like progress.

Have a good day all.

Bob

xJOJOx_2

Good morning all

Additional payment from tax credits (renewal finally done) so Ive paid another £200 off c/c so now down to £450! Going to achieve August debt free date :-D

Daily DFW's and pure money
Check banking tick
Check emailstick
Pay in cheque from gas company (just under £10) tick
Pay childminder tick
Buy gas & Electric tick
Pay Rent tick
Set up dd for rent
Order repeat
Treat myself to a new pair of jeans, has i now have none :-D tick

All things old school
Charge phone I pad at work
Make use of free drinks tick
Packaged lunches for little ones tick
All sockets etc off when not in use tick

Home and decluttering
Bag to charity shop tick
Big tidy up this evening
Ironing :-|

upping my income
Post ebay parcel tick
List another item
Music magpie...someday soon
Smile & get some tips
One poll tick

Entertainment & Leisure
Make our own popcorn & netflicks
Little bit of a games night

maria3104

Morning all, thanks for starting us off Ziggy.

Yep it affects us. We will lose 50%of our turnover, so we have to make drastic changes and cuts, may involve selling stock, land, everything etc etc. Sadly my DH refuses to discuss the matter at all and is in denial. So it will come to a crisis probably in a few years and we will have missed the opportunity to reduce the effects. DH left school at 12 to take over farm manual work as both parents bed ridden with illness at that time. They partially recovered but he was their carers for 35 year until they died and also their bankers, dh then had to buy three quarters of the farm at open market value from 3 siblings who incidentally did sweet s"" all really for parents but were very very very quick to get ££££££. We estimate a £40000 trading loss from 2019 if we do not change things. There is no way of objecting, there was a consultation pre decision being made, but it appears according to Welsh office only 233 were submitted. I can think of 100 done in my town, so this is a fun statistic!!!!!

Anyway I am sure we wil survive after a fashion. The underlying complication is my health. I work, make the only real income as is the case on most hill farms, and as have recently been poorly, and life is less secure due to health, the two issues together could be the perfect storm. Oh to be DH who sleeps peacefully and totally fails to grasp reality.

Bob, am worried about you. Hope you get the chance to rest up this weekend. Is the weather due to be hot?

I am waiting to be a goose grandma, (or possibly the proud owner of 5 rotten eggs) should know by end of next week. Am so excited.

I need to swim, chill, and get over myself and focus on making some cakes to use up egg glut, do some washing and take a leaf out of DH book.:cool:
Have a good weekend everyone.

Maria:)

xJOJOx_2

Bob

Sorry to hear you've had a bad night. I certainly don't miss them nights...

It does feel good to go under certain milestones doesn't it?

Xx

Just wondering, how much spends would people take away for a weeks holiday? Staying with a friend and there's me and two little ones. Ive always gone all inclusive so not really sure. Will be eating In most of the time evenings but snacks lunches during the day I think

twiggy86

Morning all!

Bob - Sorry you had a bad night but pleased you had a busy day yesterday! Re wrong questions - they were asking me scenarios which aren't relevant to my work so I only had a very brief grasp of what they were talking about! Plus asking me about my fee targets - which I don't have! But oh well!

enjoyyourshoes - how did it go yesterday?

Maria - that is so rubbish to hear.

Today I have/will:-
* Check banks
* Take chicken out of freezer for dinner
* Take lunch to work
* Check FPL
* Go for walk at lunch
* Dinner from stores
* Actually take stuff back to next which I've been meaning to do all week! Plus collect another parcel and instantly return it!

That seems a short list but it's everything I can think of for now. Hope you all have a great Friday!

DawnW

Morning all, and thanks to Ziggy for the start

Take care Bob, your health, and that of your baby, is the most important thing!

Maria, hope you and your family manage to find some kind of resolution / accommodation to the changes. Perhaps some kind of diversification might be possible? Lots of farmers round here have done this (possibly due to the very high price of land?) in varied ways including holiday lets, farm shops, internet businesses selling meat, cafes, ice cream and cheese making, veg boxes, to give a few examples. I guess there are high start up costs to some of this though

And we will all be waiting for news of possible goose babies I have a broody hen at the moment, which is very annoying as she tries to nail your hand to the side of the nestbox with her beak when you go to collect the eggs :rotfl:

List for today:

HM meals from stores, but I will need to buy lettuce as mine has gone to seed and is fit only for the chickens I have some coming on, but none ready as yet. Also need to buy straw for the chickens, which is bizarrely, cheapest from the garden centre (I don't have room to store bales, so have to buy it in bags. As I only have 3 birds these days, this isn't much of an issue though). If I manage to get out of there without buying any plants it will be a miracle :rotfl:

Any surveys that are available

Auction viewing for business stock - not sure I will buy anything due to dire sales at the moment, but no cost to looking, and if cheap enough, could get a bit of stock for later in the year I guess (I am hoping that it is the time of year / weather rather than longer term cause that has affected sales, as they have dropped off so rapidly).

Mend top which annoyingly I have made a hole in It is an old one, but I quite like it. It is on the sleeve, so I should be able to mend it well enough to continue to wear for my non-glamorous lifestyle, even with my limited sewing skills.

Decluttering - get rid of a load of OHs old socks that he has (by some miracle) turned out. I am guessing the rag bins at the recycling centre. They are clean, just tatty.

Food waste - I slice of stale bread fed to chickens this morning. I could have made it into breadcrumbs etc but don't beat myself up about feeding scraps to the hens as they need to eat too, and lay eggs in exchange. They have proper hen food available all the time, but much prefer scraps and things like bolted lettuces from the garden if there is any.

Hoovering downstairs as the dog seems to be moulting again. For such a small dog, she has an awful lot of hairs. It is amazing she is not bald

Pick any produce that is ready - not much at the moment

Right, better get on with it. Hope you all have a good day

allydowd

MONEY MAKING AND SAVING SITES AS OFTEN MENTIONED IN THIS FORUM:

• A Girl Called Jack, cheap recipes ( Link
  
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• i-Say Surveys (Link)
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• MSE Boost Your Income page. Gateway to lots of money-making links. ( Link )
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allydowd

Good morning DFW-Devotees,

All is not pink and fluffy at Dowd Towers this morning, as, despite jumping through hoops like a performing seal as required by HMRC, our Tax Credits have failed to arrive this morning. We've done our renewal so I suspect they are mid-process just now and are adjusting our entitlement, but I'm not happy as I now have to tweak our budget to accommodate the shortfall.


Nillionaire Week 8:

:grinheart Look at Coupon Shop Forum.

:grinheart Do Royal Mail Surveys.

:grinheart Check broadband data usage.

:grinheart Spend £3 off very small change in Sainsbury's at the do-it-yourself-checkout.

:grinheart Use up samphire before it goes off.

:grinheart Post an eBay parcel.



Good luck with your Devotions, Devotees.