Tuesday 13th October - What small DFW things will you do today?

crazy_cat_lady

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! :money:

crazy_cat_lady

Good morning all
Difficult night of sleep last night so I'm not on the ball today at all. My mind has gotten very busy again, and I can't seem to switch it off. Never mind - I'll have another busy day today so that will mean I don't get too much time to dwell. I've made a doctor's appointment for next week to go and 'have a chat' about the current situation.
Small list today
check banking (no PAD again as no £££)
load of washing in
hoover
full day of teaching
mark a set of books
pick up my new shirt from M&S that I got for free with a gift card
try not to stress
ask for help if I need it
check fpl and luckyphone
upload this weekends receipts onto COS
all meals from stores
aim for nsd
Think that's it for now - have a good day everyone

DawnW

Morning all
Thanks for the start CCL
List for today:
Hoovering / cleaning upstairs Done
Check banks, sort out pile of receipts Done
Post birthday card and postal survey item Done -forgot to take the postal survey item when I walked into town the first time - so had to go again this afternoon :mad: Still, free exercise I suppose!
Any surveys that are available Done a couple for onepoll. Also free postcode lottery.
Bit of mending Don't like sewing but it will be nice to get it done I got as far as getting my sewing box out...
Get hair cut Done
Visit market while out, and buy celery, onions, garlic and fruit Done. The people who have the fruit and veg stall in the market are local veg farmers, and their celery is HUGE, it really dwarfs the stuff in the supermarkets (but cost about the same). It smelled so lovely in my shopping bag that I had some for lunch
Minimal cooking - rest of yesterday's fish pie for supper Done.
Took a couple of items to sales unit as the hairdresser's shop is next door. Was pleased to see that an item had sold :T (things are a bit slow at the moment )
Sort out freezers now that everything in the small one has had to be cooked and refrozen. I need to use up the cooked items asap, so need them all in one place Not done this yet[/COLOR]
Exercise and groom pup later. He was weighed last night, and now weighs 1.8 kg. Done
Picked a stray courgette (might be the last one!)
Made a cake. Baby GD will be looking for cake when she comes to me tomorrow . I have just sampled it... purely in the interests of quality control you understand :rotfl:
Swapped the summer duvet for the winter weight one, and I have the linen in the washing machine at the moment (no point in not putting on clean covers etc)
Dragged the fireguard out of the loft in case we want to light the woodburner when baby GD is here tomorrow. It was really cold this afternoon, and OH had lit it by 5. If it is warm tomorrow, well, at least it will stop her playing with the fire tools and getting mucky that way

Hmm that doesn't sound much of a list, I am sure there is more! I will check back later.

Hope everyone has a good day

AmberNoora

Hi All,

Nothing Special Today,

determined_new_ms

Morning guys & thanks for starting the thread ccl

Didn't post yesterday as my mood was low. Keeping things simple today.

* check banking
* spending most of the day doing 2 job applications with closing date of tomorrow
* think will go and pick green tomatoes and see if I can force them to ripen
* cook up massive pack of mince and freeze it in portions. Think I will make moussaka, shepperds pie and chilli from it
* made dgd's pack lunch & bag for cm's
* going to a spa with a friend at lunchtime
* afternoon & evening spent doing applications...

Ok that will keep me busy

foxgloves

Morning all,
Just a small list of money saving today, as am intending to make sure I get the leisure time I didn't manage yesterday. So here we are:
*Did cheap load of laundry overnight. Will peg it out in a minute as it's dry here so far.
*Sort out my yukky roots. Only made up half a box of colour last time, so will use the rest of that.
*Sort through big bag of ripening tomatoes, remove the red ones & do something with them. Skinning, blitzing & freezing is as useful as anything because they can then be used for sauces, soups, chilli, etc, when needed.
*Log into energy account & try to ascertain why we haven't had a bill. By my reckoning, I was expecting one last week.
*Make tomorrow's packed lunch.
*Pick lettuce & spring onions from garden.
*Knit more of jumper (for present).
That will do for today.
F x

foxgloves

DNMS - I'm doing enforced ripening here. It does work. Put all your green tomatoes in a big paper bag with a couple of ripe ones & fold the top or peg it closed. All but the most stubborn ones will gradually ripen.
F x

lego_mum

Morning all, Thanks for the start CCL.
Dh is away in London today for work, left home at 5.15am and not expected back until late so its going to be a very long day. Going to make something in the SC as that will be an easy tea for us after swimming lessons and Dh getting home late.

Health & Fitness plans (lose this weight once and for all, no fad diets ever again!)
:starmod: Walk the boys to & from the bus stop done
:starmod: Gym class – aiming for 5 a week (works out to less then 80p/class!) done
:starmod: Fill water bottle at the gym done
:starmod: Shower/dry hair at the gym, save my water & electricity!
:starmod: Walk at least 7000 steps to get bounts points done
:starmod: Eat for health done
:starmod: Drink water through the day done
:starmod: Monitor fitness goals etc using my fitbit daily & adjust when needed done


Daily jobs:
:starmod: Check banks/update spreadsheet done
:starmod: Delete junk from emails done
:starmod: Clean & tidy fridge (make sure we don’t waste anything) make casserole to use up a ys turnip that my dad brought me yesterday
:starmod: Use something out of the food use up box used some herbs
:starmod: Plan today’s meals from stores done, a beef stew in the slow cooker now
:starmod: Make families lunches for tomorrow done
:starmod: No heating on yet, plenty of blankets & jumpers available  Snuggled under blanket now as its very cold here now.

Tidy home = Tidy mind
:starmod: Hoover carpets
:starmod: Clean the kitchen using minimal products done using a bottle of kitchen cleaner we got out of the rented house when the tenant moved away & left stuff
:starmod: Tidy at least one cupboard done the cupboard where the presents are kept
:starmod: Gather together items for the cs done
:starmod: Work out how to change light bulb on dh’s fancy reading lamp

Money making schemes
:starmod: Inbox pounds 5 searches done
:starmod: Swagbucks
:starmod: Check Fpl done
:starmod: Check luckyphone done
:starmod: Check for surveys did 1 yougov one, only 100 points off payout
:starmod: Rm survey done and they'd made a mistake in what they sent me, So I rang them and they're going to send the right thing and said I can keep the spare box

Freebies/vouchers/offers
:starmod: Check 02 priorities done
:starmod: Check tcb/quidco done & added cb to amaz0n acc
:starmod: Check cos/shopit done & my sis is going to call and collect some milk & the free bottle of coke

Extras
:starmod: Sew missing button onto my winter coat
:starmod: Pull out the winter hats/scarves/gloves and put away the summer hats done
:starmod: Look into switching energy suppliers
:starmod: Dont' take purse to swimming lessons! not going swimming now
:starmod: Wrap the last of the boys xmas pressies, as the tablet case arrived in the post today done
:starmod: Stewed some ys plums with ginger & a few sweetners, lovely these will go with yogurt or porridge over the next few days done

Have a good day all.

Lizloz

Morning all

I'll be paying £3 whole pounds worth of copper coins in to the bank and will pay that off one of my CC's.

I've also just cancelled a monthly subscription to a web-site my husband had joined which allows you to search Forces War records, that was costing us £8.95 a month! Just need him now to cancel his Experian membership today and that will be another £14.99/month we can put towards our debt.

Omg....now I've just got a quote for insuring my mobile phone - I'm currently paying £14.99/month - I can get this down to £5.99/month!! Aaagghh!! Guess what I'll be doing today..?!!

That's £33/month saved!!

carrielovesfanta

Morning folks!


Thanks to ccl for starting us off. Well done for making that appointment


DNMS - sorry you're feeling a bit under par too *hugs*


Bob - hope today is a bit easier for you.


Feeling a bit painful here today IYKWIM ladies, but the sun is shining and I'm going to that crossfit thing at lunchtime, so the thigh pain will outweigh anything else!


Today's things:

• OH tackling the room of doom (i.e. his music room). I suggested some KonMarie principles to him (got a bit obsessed with that thread yesterday!). Suggested that he removed everything from the room and took it back in one at a time. If he doesn't use it or love it then it can be left on the landing and we'll think about the stuff.
• B/L/D from stores - half-prepped some sc pasta/cauli/cheese bake. Prepped the cauli and put in the sc with the pasta. Sauteed some leeks and onions and popped that in too. Will email OH instructions for cheese sauce.
• Charge phone in work - done
• Check online banking and update spreadsheet
• Crossfit. Not directly mse but will make me fitter and healthier. This in turn discourages me from eating crap, getting stressed and the dreaded booze. Have been getting better though as have been having more drink-free days. I've been using the drinkaware app which is very good. I'm fair too partial to a glass of wine (or two) in the evenings and it actually turned out that I was drinking 25-30 units a week! It adds up really quickly and I've managed to reduce it to about 20 units a week so far, with more non drinking days (hasn't helped that I've had some events to go to). - phew! What a beasting!!
• Possibly a bit of tidying later but more likely to crash out with my crochet - I'll post a picture of the finished "spring" afghan when I'm done
• Tell OH that we've run out of internet and he's not to buy a top-up - done

Might be more but I'll leave it there


Have a good one all


clf x

ziggy2407

Good Morning Everyone

CCL - Thanks for starting us off today and good to hear you have an appointment
DNMS - Big hugs, enjoy your spa afternoon - hope it helps
Lizloz - Well Done, that's some great savings
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 I will:

Packed lunch for DH (DS is off sick)
Washing
Post letters/parcels - Tomorrow
Bank 1ps and 5ps from sons money box (£6) - Tomorrow
Peel bag of potatoes and make something with them -(thinking fishcakes and potato farls)
Continue purge on Emails
Surveys
Check Banks
Enter a few comps
All meals from cupboards/fridge/freezer
Read book (from groaning shelf)
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