Tuesday 22nd September - 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 important! :money:

crazy_cat_lady

Good morning Ziggy - thanks for starting us off.
Hope everyone is ok - I managed a much better sleep last night so feel a bit more human, although I have woken with a snotty nose and a sore throat. Ah well.
It will definitely be non stop again today - no doubt at all so my list will have to stay quite small.
:cool: check banking and pay DS birthday party balance (it's child benefit day)
:cool: post some letters that have been sitting around for ages
:cool: 15 minutes of housework (this is desperate after 3 days off)
:cool: full day of teaching
:cool: prep for tomorrow's lessons
:cool: mark a set of books
:cool: no putting the heating on yet even though DD is starting to moan about the cold
Have a good day everyone.

PurpleFairy26

Thanks for starting us off Ziggy :hello: everyone.

Wow ally -Oz, v exciting. Agree with you about having more than you might need money wise. Nothing worth than being oin amazing place and thinking we can't afford to do that .... (Within reason of course :rotfl:)

My list for today:
Catch up on yesterday's thread as didn't have time to post - done. What a lovely cheery Monday thread :T
Meals from stores, meeting supplier today, they're providing lunch
PAD to cc
Clicksnap
Check nectar, couldn't log on before to the main site
Update Christmas spreadsheet now an order has arrived, move money from present account
Scan emails for Amazon voucher from £co they told me over a week ago had been issued but I don't remember seeing
Unsubscribe from some junk e mail, I think I'll start at 10 a day
Do some work tonight so that I can ensure I'm all caught up by Thursday as I'm on hols on Friday
Right must go an wake rest of house otherwise we'll be late.

Have a good day everyone

determined_new_ms

Hi ziggy :wave: thanks for starting the thread any movement on getting your dh to agree to rent the garage?

lilian1977 wrote: »

Hi all

I'm back again. Credit card is just getting out of control, I am so swayed by the Clubcard points but am almost glad they are reducing them come December as it won't be such an advantage spending on it.


x

Hi lilian :wave: nice to see you again. Sorry about that pesky card balance :mad:

Have a lot of things I need to do today so determined not to spend the whole day frittering away my life online!

* [STRIKE]checked banking[/STRIKE]
* haven't been paid by ms company so need to call them and find out what's going on...
* some admin work for the mystery shopping I've been doing
* look into registering as self employment with Inland Revenue for the msing I have been doing
* going to do a ms assignment this morning
* have been invited to loads of surveys so need to catch up on those
* onepoll
* call up about leafleting for an estate agent. Not sure if this is something I want to do as it might be far too much time to do it. But going to try it for a month and see how I feel about it...
* all meals from stores
* check through fridge/freezer/cupboards and do meal plan
* hula hoop x 2 x 10 mins
* [STRIKE]look in to foreign currency for next week :j[/STRIKE]
*[STRIKE] submit meter readings[/STRIKE]
* [STRIKE]call FU re dd (embarassing this is still on my list! )[/STRIKE] OMG I just had a FU experience that didn't leave me about to have a coronary :eek::eek::eek:
* write complaint letters (ditto! ) made some calls re the sentinel ppi policy and am getting nowhere. This is going to take some investigating. Done as much as I'm prepared to today...
* flylady our bedroom & bathroom

Ok that's it. Want to try to get everything I need to get done done in the morning to leave the afternoon for leisure

Have a lovely day everyone x

Pippilongstocking

Kettles on.
Hey Ziggy thanks for the start off - I'm here again to focus my mind on the DFW things so really appreicate it.

Jonno thanks for the reminder, I have thomson vouchers I got ages back must use that code!!

CCL I hope those sniffles are gone quick!!

Hope you get it all done in the morning DNM
Todays list.

Banks
CC's to check payment went in
Reconcile the spends as its almost/sort of end of month here
Work 6 hours garden
Work one hour womble - maybe more I missed yesterday due to extra garden work.
Walk the mutts
Feed chickens and mutts x 2 round one done.
Hang up washing to air dry and put away dry stuff.
Prop up garden cushions and get them dry.
Fridge needs a clear out and extra stuff frozen or made into something to freeze
Chop up more courgettes.
Pick beans forgot yesterday
Fill wood stores if dry when home
Do some wood? See how tired I am when back
Claim back postage expenses from yesterday from garden
POST WORK EXPENSES and write the chap an email
Need a shopping list
Change spare bed.
Do fly lady mission and a bit more deculttering under bed
HM meals etc

Most of this list is a hangover from yesterday as the day kinda went a bit wrong working late.

Have a good un - off to start that list!!

ziggy2407

Good Morning Everyone

DNMS - Looking like a "Yes" - need to speak to neighbour and negotiate terms

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.

Today's little list:

Packed lunch for DH & DS - Done
Bump listings/stuff for sale - Done
Ironing (yes, its still hanging around ) -
Shopping with list -
Continue purge on Emails -
Surveys -
Check Banks - Done
Enter a few comps -
All meals from cupboards/fridge/freezer -
Read library book -
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win -
Check Lucky Phone -

Have a great day, love to you all

C x

determined_new_ms

ziggy2407 wrote: »

Good Morning Everyone

DNMS - Looking like a "Yes" - need to speak to neighbour and negotiate terms

C x

excellent news ziggy! :T

DawnW

Morning all
Thanks for the start Ziggy.

Feeling much better today as I went to bed not long after 8 and didn't get up till 8! Unheard of for me, must have needed it!

List for today:
Bed stripped off, linen in machine, hopefully the weather will pick up later so it can go out on the line (it poured with rain for a few minutes when I got up but the sun seems to be coming out now) It keeps randomly pouring down with rain - so it is still in the machine It is out on the line but has been rained on. Will need to get it in wet :mad:
Remake bed with clean linen later Done
Collect prescription
Take pesky library book back Done
Bring some stock bits back from sales unit while out (I am moving to a smaller, but more prominent space within the shop, and have bought all the stock from the outgoing unit holder) Done, made the rest look pretty as an event is taking place in the shop on Friday, which will bring more people in. Sold an item of furniture
Price up plastic storage boxes and bubble wrap for stock that must be moved after the weekend Done
Put some stock items away in the loft Done, but I have more to go in now :eek:
HM meals from stores Done
Any surveys available £40 payout from onepoll applied for :T
Task for postal survey Done
Clear at least one garden pot! Done, cut down the mint outside the back door
Pick tomatoes and 'do something' with the last lot - probably roasted tomato soup again, that was nice
Hoover round wooden floors as baby GD will be here tomorrow, and it must be clean for her Done
Free puppy training class at vets tonight

Right, better get on with some of that lot!
Hope everyone has a good day

Tyrone_Black

Even in the terrible rain I walked to work. £2.20 saved.

twiggy86

Morning all!

I didn't get much done last night - went for a run which should have been about 4.25 miles but felt good and no one to go home to so did another 2 miles! I'm not the quickest so by the time I got home it was quite late and I couldn't be bothered to do cleaning!

So today I have/will:-
* Check banks DONE
* No TV on this morning DONE
* Do washing up DONE
* Clean out bottom of fridge DONE
* Take lunch to work DONE
* Earn more on OnePoll
* Start spreadsheet for October DONE
* Pop to parents to upload one CD onto computer so can post them off
* Go to circuits DONE
* Dinner from stores DONE
* Put washing up away DONE
* Take photos of bits to put on eBay
* Dust bedroom DONE
* Hoover bedroom
* Dust TV unit in living room DONE
* Sweep out fire place
* Put towels in washing machine ready to stick on tomorrow morning DONE
* NSD? DONE

Think that's everything for today. Hope you all have a great day!

kayannie

Morning!


Rain here first thing but brightening up now - washed dog's bedding last night so will get that on line to dry.

Started a migraine yesterday evening - just flashing lights etc to begin with, but by bedtime I had a full blown headache. Despite painkillers, it lasted most of the night & it's still lurking around this morning.

I've just popped to the shops, but walked instead of cycling - thought I'd be safer on foot than bike with my migraine. Picked up a free pizza using the voucher, also eggs from the WI market & a fresh loaf from the local baker. £3.00 for the lot, so good going.

Hope everyone has a good day.

K