Wednesday 14th 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

Morning all
Can't believe it's only Wednesday - I am so skint and the time until next payday seems to be dragging (still over a fortnight). Even though I'm mad busy at work the week is dragging over.
I've had to have the heating on for half an hour this morning - suspect this will now be a regular occurrence.
Hope everyone is doing well - hugs to those that need them.
check banking (no PAD)
read Martin's email
load of washing in
minimise heating use
full day of teaching
meeting after work
aim for nsd
all meals from stores
try not to stress
check fpl and luckyphone
try a relaxation app (thanks Ally)

WantToBeSE

Morning All, joining you again today
I found that the list yesterday worked really well.

To do today:

Hoover and mop floors (upstairs)
Clean windows (inside and out)
Dusting (Lounge and bedrooms)
Fold and put away washing
Baking with older son
Get out for a walk
Write meal plan
Write timetable for older son
Paint hallway

ziggy2407

Good Morning Everyone

CCL - Thanks for starting us off today

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 (still not 100% but feels well enough to go)
Stew in slow cooker
Ironing (yesterdays washing)
Bake?
Post letters/parcels
Bank 1ps and 5ps from sons money box (£6)
Bump all sale listings/freecycle
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

lego_mum

Morning all & thanks CCl for the start, the weeks dragging here too
Ziggy, how are you doing at the moment?
Wanttobese, Welcome to the thread, I love putting my list here as it makes me far more productive.

Hello to all who follow

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: Wash a load at 30 degrees done
:starmod: Hang washing on the line if dry done and ironed them
:starmod: Check banks/update spreadsheet done
:starmod: Delete junk from emails done
:starmod: Clean & tidy fridge (make sure we don’t waste anything) chopped and froze green peppers, split a pack of chicken breasts and froze part
:starmod: Use something out of the food use up box used a couple of kids cup drinks
:starmod: Plan today’s meals from stores done
:starmod: Make families lunches for tomorrow done
:starmod: No heating on yet, plenty of blankets & jumpers available did have heating on for 10 mins to bleed 2 that weren't working. Now stitched off again until the beginning of Nov at the earliest


Tidy home = Tidy mind
:starmod: Hoover carpets
:starmod: Clean the kitchen using minimal products done
:starmod: Tidy at least one cupboard done sorted out the food cupboard and added a few bits to the use up box
:starmod: Gather together items for the cs added a summer hat & t shirt
: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
:starmod: Rm survey

Freebies/vouchers/offers
:starmod: Check 02 priorities
:starmod: Check tcb/quidco
:starmod: Check cos/shopit done
:starmod: Mr T delivery inc a free gift of chocolate chips what a nice surprise

Extras
:starmod: Sew missing button onto my winter coat & sew up ds1 onesie
:starmod: Look into switching energy suppliers

determined_new_ms

Morning guys thanks for starting the thread ccl

Thanks for the pep talk Bob! I needed to hear a bit of encouragement so was nice to wake up to it this morning :A Hope little Bob is sleeping for you and you are getting some rest x

Things for today:

* [STRIKE]check banking[/STRIKE]
* [STRIKE]put some stain remover on some items before washing[/STRIKE]
* [STRIKE]hang up washing. Think I'm going to have to get the dryer out as looks so grey and damp here this morning. Will put it on the line later if it clears up...[/STRIKE]
* [STRIKE]all meals from stores - lo for dinner today[/STRIKE]
*[STRIKE] I made moussaka yesterday but the aubergines weren't cooked properly. Going to see if I can rescue it[/STRIKE]
*[STRIKE] finish job application[/STRIKE]
* [STRIKE]free entertainment with dgd today - going for a walk in the woods this morning and this afternoon to a free singing group at a play centre [/STRIKE]
* call FU and pay monthly installment & set up dd again
* call bank and remove block on FU (makes me grin to be a slight pain to them!)
* [STRIKE]vacuum and polish downstairs[/STRIKE]
* do some filling/repairs to plaster
*[STRIKE] pick tomatoes (didn't do this yesterday)[/STRIKE]
* [STRIKE]update gc total[/STRIKE]

Ok that's enough (too much even!) for today. Happy hump day guys x

carrielovesfanta

Morning all,


Thanks to ccl for starting us off


OH did a fab job clearing out the room of doom and there's a nice big pile of stuff on the landing to be re-purposed, sold, given away or binned. The room looks really tidy and there's more space now.
He also KonMarie'd his t-shirts and is very pleased with the resulting tidy drawers.


I am going to a WI meeting tonight! I am quite excited as have never been before but am considering joining. The WI is quite far away and awkward to get to but I don't mind the journey.


So today's list:

• Get OH to put washing out on line
• B/L/D from stores - done
• Charge phone in work - done
• Heating off - it's getting nippier but am determined to hold out.
• Check online banking and reconcile spreadsheet - done
• Check battery stash to see if I have 3xAA batteries for new alarm clock before buying more
• Submit meter readings
• Binned two disreputable pairs of undercrackers (Not mse but good for decluttering) - done
• Put washing away - done

There must be more than that?


Have a good one all


clf x

WantToBeSE

WantToBeSE wrote: »

Morning All, joining you again today
I found that the list yesterday worked really well.

To do today:

Hoover and mop floors (upstairs)
Clean windows (inside and out)
Dusting (Lounge and bedrooms)
Fold and put away washing
[STRIKE]Baking with older son
Get out for a walk
Write meal plan[/STRIKE]
[STRIKE]Write timetable for older son [/STRIKE]
Paint hallway

Getting there...slowly!

foxgloves

Morning all,
Busy morning so far, sorting out a big pile of admin & dealing with some financial stuff. So for today's money-saving list:
*Did mid-monthly budget check-in to see how things are going. We are slightly adrift, but nothing major. Checked off receipts against bank statements, you know, all the usual chores which keep us on the straight & narrow.
*Paid just over half off my CC. Usually clear it completely each month but the big dentistry visits stacked up the total, so have spread it over 2 months instead of eating into the buffer zone on our current account.
*Skimmed £2-78 from current account & PAD'd it across to Car Fund. Updated signature.
*Did a big pile of supermarket feedback prize draws. Does anyone ever win these? According to a member of staff in our Waitrose, 'Yes, they do, including customers from this store'. So, I shall carry on with them.
*Wrapped ebay item ready for posting tomorrow.
*Re-listed a few ebay items until my free ones ran out. I'm certainly not going to pay 35p to list something at £1-50.
*Did a few quick surveys.
*Postman brought my latest payment from Toluna surveys - another £15 Sainsbury's gift card. Updated signature.
*Tackled Home Insurance renewal quote. Compared it with purchasing the identical policy online from same provider as a new customer. Hmmm. A difference of £164. Would I go outside & poke that amount of money down the drain? I would not. Phoned them to say I would be cancelling the policy & buying a new one as a new customer. (I said a few other things too, but he was a helpful chap, agreed with my views on showing reciprocal loyalty to existing customers, & it isn't his fault, so I only went to a Level 1 of Foxgloves Assertiveness on this occasion). Anyway, have now bought the new policy - just got to double check they have cancelled my DD on Fri, after this year's last payment has been taken. A faff for them, a faff for me, if these companies could only stop using 'It's industry standard' for these discrepancies, I think we'd all look upon the insurance sector much more favourably. Grrrr! Monthly payments look to be at least £10 lower doing it this way.
*Make tomorrow's packed lunch. Must check if mr f also needs a packed breakfast as it's my car day tomorrow, & it's a waste of cash buying baked breakfast items when we've got all the stuff at home.
*Get lift from mr f for town tonight. I have to attend a meeting & I'd rather not pay parking as can't claim it back.
*Knit some more Christmas present. I could get the back finished & the front cast on today if I get my finger out.
OK, that will do me, I've got to do a bit of meeting prep & want some leisure time too, so enough time online today.
CCL - I agree that pay-day is taking its time this month. If I knew a spell for hastening pay-day, I would defo be using it :-)
F x

La_escocesa

Hello there cyber friends,

Hope everything with you is a-ok :beer:

Here's me:

Ordered a ‘warehouse deal’ from the rainforest people – saved £15 for damaged packaging :T

Brekkie at home – no croissants for me

Packed lunch :cool:

Posted council tax info away – really hoping we can start paying in Nov rather than Dec...

Class planning tonight – yoga classes on Thurs and Friday

Jumper on rather than heating up :cool:

Lots of free walking exercise :cool:

Free tea courtesy of my very generous employer

Washing on 30min 30deg wash

Bought a clothes line rather than ‘spensive whirly gig and not even plugged in the tumble dryer in our new house :cool:

Xxx

carrielovesfanta

Ooooo energy supplier have emailed to say that they will be fitting a smart meter for us on the 5th November!