Tuesday 17th 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:

Candy0107

Morning Ziggy x. I'll post at lunchtime x

ziggy2407

Good Morning Everyone

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
Hairdresser at home
Bump all sale listings/freecycle/facebook
Check Banks
Continue purge on Emails
Craft
Continue decluttering
Enter a few comps
All meals from cupboards/fridge/freezer
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win
Check Lucky Phone

Have a good day! Love to you all!

C x

Bobarella

Morning

Thanks for the start Ziggy.

Clio- hope your daughter is feeling better today?

I added a little more to my wombling score yesterday with a £1.56 brand match. I am still amazed that I've managed to find over £700 this year in various guises. Anyone wanting to join in, I will be putting a new wombling thread up for 2016 shortly with challenger numbers etc.

We have an engineer coming out today to fix the heating. It's been off for a week. Hoping that will be straightforward.

First Utility winning in the weirdness stakes again. First I was billed for £90 based on my latest readings. Then last night they emailed me to say they owe me £90. I don't think so. Have tweeted them to find out the situation as the last thing I want is more of their silly antics of last year (refunded me £300 then said it was an error so I spent a year paying it back)

Despite the cold and windy weather I am feeling very cheerful today. Health visitor was very pleased with the baby yesterday so we are all set now till her first jabs in 3 weeks.

Anyway think that's me. Have good days everyone.

Bob

crazy_cat_lady

Morning all
Thanks for the start Ziggy.
Bob - I may join in wombling for next year. Will you let us know once you've started the challenge?
Another restless night for me. I always feel exhausted at the end of the day and then wake up half a dozen times during the night for various reasons. I woke up twice with nosebleeds last night (which is a sure sign of stress for me unfortunately) and feel tired today.
Ah well - still plenty to do.
check banking
petrol in the car
fix the hoover
all meals from stores
aim for nsd other than petrol
full day of teaching
mark a set of books
try not to lose my temper
I'm sure that hundreds of things will turn up over the course of the day but I'll leave it there for now.

ClioScott

Morning all , thank you for the start Ziggy

Thanks Bob shes not feeling to bad today, School policy means she has to be off 48 hrs before she can go back

Relatively quiet one for me today

• Check Banking
• Remaining kids to School/Nurseery
• Pop to Bank
• Hoover stairs & landing
• Start kitchen deep clean
• Tidy garden if rain holds off

Have a great day everyone!

Scott

Shortie

Morning all. Not organised at all today. I didn't have work food ready and got up late. I also forgot to pick up my purse again so I'll have to owe the lottery syndicate money. Owing money to people doesn't sit well wih me - I'm annoyed at myself.

So, today the following is planned..

- work breakfast, lunch, snacks and tea sorted
- boys lunches being made by Mr Shortie
- check online banking
- (if I have time) check out for Amazon pressies to buy with my voucher

Workwise I need to try and get some admin sorted - need to get my year end review updated, book a hotel and travel for a course next year (am assuming that the quicker I book the cheaper it is?), and officially book some 2016 holiday that I have had verbally approved

Yesterday I moved some money around and managed to put some back in savings. I started saving recently and I only had a small amount saved which I then needed... I want to get an amount of savings in place before I look to try and pay extra off my loan

DawnW

Morning all
Thanks for the start Ziggy
Hope you have a less stressful day than yesterday, CCL
Bob, haven't you dumped FU yet?

List for today:
Reduced croissants from Lidl for breakfast - special treat as very fattening (I didn't have butter with mine though :A)
Check banks
Dog walks x 2
Market for fruit and veg, pick up some fish fingers from Iceland for GD's lunch tomorrow. Fish fingers and broccoli with tomato ketchup are her current favourites apparently :rotfl: Also need rice cakes (useful for thickening soups as well as snacks)
Pop into sales unit to see if anything has sold (I wouldn't bother, but it is right next door to the market site)
Sort out spare room / beds
General tidy round, get OH to help with both of these!
Any surveys, FPL, postal survey tasks etc
Decluttering - completely forgotten where I had got to with Mins totals But I have identified a top already this morning; that can go to the CS, as there is nothing wrong with it, just too big for me!
HM meals from stores
Put away all the washing I did yesterday (and hung outside), which finished off drying overnight on the airer
Try and sort out the printer, which apparently has an 'error' :mad: I have a nasty feeling I am going to have to reinstall the software
If I succeed, finish printing out car insurance documents
More washing :eek:

Right, I had better get on with some of this :eek:
Hope everyone has a good day

lego_mum

Thanks for the start Ziggy,

Sorry not read the full thread (or yesterday afternoon/evening as we lost our internet for some reason) but I will catch up later on as I can't be late for the gym.

Health & Fitness plans (lose this weight once and for all, no fad diets ever again!)
:starmod: Walk the boys to & from the bus stop
:starmod: Gym class – aiming for 5 a week (works out to less then 80p/class!)
: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: Wash a load at 30 degrees
:starmod: Hang washing on the line if dry
:starmod: Check banks/update spreadsheet
:starmod: Delete junk from emails
:starmod: Clean & tidy fridge (make sure we don’t waste anything) will cook the asparagus to serve with tea
:starmod: Use something out of the food use up box
:starmod: Plan today’s meals from stores tuna pasta bake for tea
:starmod: Make families lunches for tomorrow -
:starmod: minimum heating, plenty of blankets & jumpers available :D no heating on apart from the 30 mins before dh got up for work

Tidy home = Tidy mind
:starmod: Hoover carpets
:starmod: Clean the kitchen using minimal products
:starmod: Tidy at least one cupboard food cupboard tidied so that I could find a tin of mushroom soup for the tuna bake Also worked on 6 cupboards in our sitting room, a few bits for the charity shop, a lot of shredding to do and sort out dh's pensions folder but well on its way
:starmod: Gather together items for the cs


Money making schemes
:starmod: Inbox pounds 5 searches
:starmod: Swagbucks
:starmod: Check Fpl need to remember to check later also
: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: Make a date cake cooking now and smells lovely
:starmod: Renew ds2's library book to avoid a late fee
:starmod: Free trail on a website to help ds2 finished and we've decided to take out a subscription for the year so not a nsd but the reason I try so hard to save where I can is so that we can do things like this
(more to follow )

Have a good day all

Kayannie, thank you for the freebies

twiggy86

Morning all!

Well I didn't have the productive evening I had planned as had a headache all day (still do!) so just couldn't be bothered! So lots still on my list!

Today I have/will:-
* Check banks - done
* Use free foundation sample (day 4 from 1 sachet!)
* Wash bedding used as dust sheet (found left in the garden - no doubt it would have stayed there until manky and then binned by OH is I hadn't intervened!) - done
* Check FPL (need to get back in this habit) Done - must check again later
* Take pictures of damaged item received and email to company in response to their request - done
* Do washing up - done
* Take lunch to work - including a piece of cake my aunt gave me - done
* Update work expenses - done
* Charge phone in work - done
* Earn more on OnePoll (need to get back into this habit) - didn't do
* Dinner from stores - done
* Upload receipt to COS (need to get back into this habit too!) - done
* Put Co-op card in purse and remember to use it! (Only pop in there for odd bits but it all helps!)
* Sort out utility room - see if there's anything I can throw out - done
* Put away gift bag which I received so I can reuse - done
* Hoover living room and bedroom - done
* Wash hair and let dry naturally (use conditioner that came with hair dye) - done
* Wipe down shower glass (always do this anyway but never thought to mention!) - done
*NSD? DONE

Okay - think that's everything! Must be more productive tonight!

Hope you all have a good day!

carrielovesfanta

Hi folks,


Quick post as a mad busy at work


ccl - please look after yourself *hugs*

• B/L/D from stores
• Charge phone in work
• Check online banking and reconcile spreadsheet
• Heating off still
• Encourage OH to use less water (bill steadily going up)
• Work incredibly hard
• Crossfit
• Crochet/sewing tonight
• Decluttered another pair of socks!

Have a good one all


clf x