Wednesday 4th November - 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:

crazy_cat_lady

Good morning everyone - and thanks for the start Ziggy :D:D
I am so pleased to report a reasonable night of sleep so I don't feel quite so much like a zombie this morning. Still can't really be bothered with work because it's going to be a long day but I will survive it.
Plans for today:
Check banking and PAD
Full teaching day
Mark a set of books
NSD
Chase up my expenses claim at work
Exercise
Read Martin's email
Minimise heating use
Leave dh a list of jobs to do
Have a good day all

glass_half_full

Good Morning Everyone,
Thanks Ziggy for starting the thread.
- Checked House Insurance with comparison site, cannot find cheaper quote
- It will not be a spend free day, but to be mindful of minimising spending
all the best

determined_new_ms

Morning guys, thanks for starting ziggy x

Things for today:

* [STRIKE]an hours gardening[/STRIKE] very pleased and happy with today's efforts did some bubble wrapping the greenhouse, did some composting & clearing, cut edges of grass, started emptying the waterbutts to clean out/repair for the winter :T
* check banking & straighten out accounts
* pay CM
* interview prep: iron clothes, polish shoes, bath & wash hair, quick clean up of car, think of some possible interview questions and prepare some answers
* ms assignment this afternoon - read up and refresh myself about the remit
* all meals from stores
* going to cinema with my friend at 6
*[STRIKE] read martin's email[/STRIKE]

Have a good day guys x

starnac

Morning all. Thank you Ziggy for starting the thread. I need to pop on here more often as I seem to be more organised when I do.

Today
Check banks
Low spend day - need toilet roll
Coffee morning
Heating on low
Meals from stores
Send two emails I have been putting off
Order wool for Christmas make (comes out of christmas budget so doesn't affect LSD)
HC
DS to school this afternoon
DS swimming lesson after school

That's it I think. Happy wednesday everyone

Baileys_Babe

Ziggy Thank you starting us off.

Today:
Read & post on this thread for inspiration, motivation and support
Turn off light and appliances not in use
Open curtains fully
Dry laundry on the airer - we still have fog
NSD
Close curtains before it gets dark
Set humax to record BBC4 program on colour
Read Martin's email
Apply for a free carbon monoxide alarm (see email)
Check bank accounts
Entertain us for free
Educate children for free
B/L/D from stores
Stick to the meal plan
DW on overnight
WM on overnight
Soak porridge overnight
Pack snack bag for tomorrow
No heating - we have jumpers and blankets
HWB for children's beds tonight if they want them
Wash hair and leave to dry naturally
Cull 100 emails

twiggy86

Morning all!

Pleased you had a better night CCL.

Today I have/will:-
* Check banks
* Do washing up
* Quick tidy around
* No TV on this morning
* Turn straighteners off at wall
* Take lunch to work
* Load of washing in (but on a 40 wash as OH's clothes were rather mucky)
* Charge phone in work
* Delete some emails (over 1,000 unread in my inbox currently!)
* Unsubscribe to some emails
* Order xmas present online for mum as 20% off event - will collect from store for free at the weekend
* Read Martin's email

Can't think of anything else. OH's mum is coming round tonight and think we're having chippie for tea and not sure I'll get much else done around the house.

Hope you all have a great day.

carrielovesfanta

Morning all


Thanks to ziggy for starting us off


Sorry I've been awol for a few days, it was just mad-busy and I didn't get chance to post. I have been keeping the dfw faith though (mostly!).


Today's list:

• B/L/D from stores (no excuse as insane amounts of food purchased last night)
• Charge phone in work - done
• Check online banking and reconcile spreadsheet (all adds up hooray!) - done
• Work very hard
• Open new 3% rewards bank account - done
• Read Martin's email - done
• Go to local butcher for sausage meat - done
• Heating off
• Washing outside for the day. Finish on airer later - done
• Crochet

Another small basic list - may add to it later


Have a good one folks


clf x

lego_mum

Morning all & thanks Ziggy for the start.
Hope everyone else has a good day!

Health & Fitness plans (lose this weight once and for all, no fad diets ever again!)
:starmod: [STRIKE]Walk the boys to & from the bus stop[/STRIKE] no as ds2's med increased this morning so I needed to go up to the school to make them aware.
:starmod: Gym class – aiming for 5 a week (works out to less then 80p/class!) and 2 people commented on my weightloss
:starmod: Fill water bottle at the gym
:starmod: Shower/dry hair at the gym, save my water & electricity!
:starmod: Walk at least 7000 steps to get bounts points
:starmod: Eat for health
:starmod: Drink water through the day
:starmod: Monitor fitness goals etc using my fitbit daily & adjust when needed

Daily jobs:
:starmod: Check banks/update spreadsheet
:starmod: Delete junk from emails
:starmod: Clean & tidy fridge (make sure we don’t waste anything)
:starmod: Use something out of the food use up box made a crumble using some fruits out of the freezer
:starmod: Plan today’s meals from stores
:starmod: Make families lunches for tomorrow
:starmod: No heating on yet, plenty of blankets & jumpers available :D

Tidy home = Tidy mind
:starmod: Hoover carpets
:starmod: Clean the kitchen using minimal products
:starmod: Tidy at least one cupboard
:starmod: Gather together items for the cs
:starmod: Minsgame 4/465


Money making schemes
:starmod: Inbox pounds 5 searches
:starmod: Swagbucks hit target 4/31
:starmod: Check Fpl
:starmod: Check luckyphone
:starmod: Check for surveys
:starmod: Rm survey

Freebies/vouchers/offers
:starmod: Check 02 priorities
:starmod: Check tcb/quidco
:starmod: Check cos/shopit

Extras
:starmod:
:starmod:

ClootiesMum

Late start for me today folks - emergency holiday so not a work day
Thanks for starting with the correct day Ziggy - I'll take this as a development opportunity ;0


I'll read the rest of the thread shortly but I need to get this down before I forget


Emergency holiday had to be taken as we're getting a tonne of logs delivered and they can't guarantee that they'll deliver them down the drive - so if they're dumped at the road side I'll need to move them into the log shed today..... (please let him deliver down the drive)

Proactive MSE-ing

• All meals from stores
• Start search for Dad's NI number - no idea how I'll find this - it does not seem to be on any of the paperwork I have but to query the lost pensions with the government website I need this info
• DH called I*ea re mattress complaint to try to get this replaced

Winter prep

• Hunt for remaining stuff for Black Out Box. I seem to have misplaced the battery alarm clock and the wee willie winkie candle holders (these are great for moving around the house) so hunt is on for these

Christmas prep

• Look at Christmas shelf and make some more room in it - then tally with Christmas list - will man I don't have to buy some presents - I'll do this today

Round tuits

• Clean out a last drawer in living room unit

Good habit forming (28 days to set a habit into daily routine or something like that - I'm going for 1 a week)

• Post on here once a day 10/28
• Get up at 6 am on work days 3/28- you can see I need more practice at being up and co-ordinated (I have counted this today as it wasn't a work day but I was still up sharpish)

Happy cheapness and freeness

• Watch more of series 4 of "The Walking Dead" once log man has been
• Watch HFW waste programme from the other day. We didn't get it here in Scotland but I taped it on one of the English BBC channels

Painful - but gotta be done

• Check banks
• Clean out another kitchen cupboard to up the Mins game total
• Cleaned drains in en-suite - there was a smell - hopefully I've sorted it

Mins game - 17/465
No Mins game played yesterday - but I can see a scavenge around he house coming on shortly


So - off I go just now - have a good y'all

allydowd

Freebie:

Respected Therapist Andrew Johnson is giving away a free relaxation App/MP3 called Deep Sleep. You can get if from his Facebook page: (Link)