Monday 23 Nov - What small things will you do today?

La_escocesa

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:

La_escocesa

Hey everyone :wave:

Hope you are all doing well this fine Monday morning.

Big hugs to those who need them - just remember that with this thread you are never on your own and we are always there cheering you on. :grouphug:

Brrrr, it's chilly outside - cars are frozen for the first time since the summer. I looked out my kiwi sheepskins (much better and cheaper than the other popular brand imho ), have my hat and gloves at the ready and I am ready for the walk to the tram. :cool:

Here's me:

• Found something for today's lunch in the deep recesses of the cupboard
• Bit of voluntary work on lunch break
• Call energy folk - online a/c says I only have gas when I know they supply the electricity too...
• Washing on airers etc - not in a rush for it so not going in the TD
• OH has a new client today :T

I only got 4 at yoga last night (had 8 last week) so that was a bit rubbish.

Happy Monday everyone!
Have a free coffee on me :coffee: :coffee: :coffee:

ziggy2407

Good Morning

LaE - 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.

Apologies for not checking in yesterday but we went to visit DS and grandkiddies (and his partner of course) and then to mums - bit tired as went to a 21st birthday party Saturday and ended up a late night. Today I will

Packed lunch for DH & DS - Done
Dr's appointment at 8.50 - Done, back Thursday
Bank -
Ironing -
Stew in slow cooker - Done
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

Candy0107

La_escocesa wrote: »

Big hugs to those who need them - just remember that with this thread you are never on your own and we are always there cheering you on. :grouphug:

Couldn't agree with this more !!! :D:o:D:o:o

crazy_cat_lady

Morning all and thanks for the start LaE
I suspected I'd get up this morning feeling like I'd been run over and I definitely do. Me and dark, cold mornings just do not mix. Still - on the countdown to the Christmas break. It's freezing outside and I'll be defrosting the car for definite this morning.
Here's today's list:
:snow_grin check banking
:snow_grin defrost car with lukewarm water and elbow grease
:snow_grin full teaching day
:snow_grin mark a set of books
:snow_grin rearrange appointment I have
:snow_grin try and remember to hand notice in on phone contract
:snow_grin go to my friend's exercise class
:snow_grin nsd
:snow_grin meals from stores
Only one week until payday! :j

foxgloves

Morning Monday Savers,
Oooh, chilly start. Car frozen again today. Just had a huge coffee in my new very lovely Christmas mug. Today's money saving bits of the list:
*Laundry done overnight on cheap tariff.Will put heated airer on overnight plus run another cheap load.
*Energy meters read.
*Make tomorrow's packed lunch.
*Do rubber chicken. Plenty left so cold chicken, salad & jackets tonight, stew tomorrow, a couple of packed lunches & some slow cooker stock will easily be achieved.
*Knit presents. Will cast on Dad's sleeve & mr f's hiking sock (new pattern I haven't tried before).
*Print docs for tonight's meeting using clean-on-one -side A4 paper.
*Soak labels off recycled glass bottles ready for bottling my fruit gin this week.
*Enter competition.
That will be it, today. Am also planning to put a colour on my grimly depressing roots & that's a job which always ends up taking longer than I think it will.
Have a good start to the week, all & if it does go t*ts up, just start the week again tomorrow.
F x

foxgloves

Oh, & had better crunch down to the veggie garden to cut more lettuce or there won't be any salad.
F x

Shortie

Morning all xx

Sorry for not checking in yesterday, it was a manic weekend. We are having more flooring laid today so the house was tipped uoside down over the weekend to clear to main rooms for it. It's going to be a busy week this week with flooring and electrics being done plus fitting bathrooms so that we can get the plumbing and rads sorted in the newly built bit. I'll be so glad when this all settles down

We also had a cheeky takeaway and bought some snacks in to have at my folks' house over the weekend. Did a little bit more Christmas shopping (including using the Amazon voucher I had) and gave in and bought myself a coat for winter as mine was falling apart. At the same time we got Mr Shortie a hat and gloves, as well as spares for the kids

My turn for team milk this week (as I forgot my purse last week, whoops) and I don't have lunch sorted so I'll grab a £3 meal deal from Mr T when I get the milk

I did have toast for breakfast but am already hungry again :eek:

lego_mum

Thanks LE for the start

A very chilly morning here too, scraped the ice off the car but still walked the boys to the bus

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/radiators if not On the radiators ready for the heating timer in the morning
:starmod: Check banks/update spreadsheet Monday morning money shuffle complete!
:starmod: Delete junk from emails
:starmod: Clean & tidy fridge (make sure we don’t waste anything) rescued a limp lettuce with ice & some cold water, diced some green peppers and froze ready for spag bols etc & froze 4 ys chocolate mousses
:starmod: Use something out of the food use up box
:starmod: Plan today’s meals from stores Leftover chicken going with pasta for the kids tea, we're having leftover Sunday lunch
:starmod: Make families lunches for tomorrow
:starmod: Minimum heating on (set for 30 mins before dh gets up), plenty of blankets & jumpers available 

Tidy home = Tidy mind
:starmod: Hoover carpets
:starmod: Clean the kitchen using minimal products
:starmod: Tidy at least one cupboard Stationary drawer sorted - MUST NOT BUY ANY MORE!!! I have enough note pads/pens/pencils for the next year at least!
:starmod: Gather together items for the cs

Money making schemes
:starmod: Inbox pounds 5 searches
:starmod: Swagbucks
:starmod: Check Fpl
:starmod: Check luckyphone Claimed 50 points which means I could claim £10 payout was in my bank account in less then 10 minutes!! I definitely recommend this if you don't already do it
:starmod: Check for surveys
:starmod: Rm survey

Freebies/vouchers/offers
:starmod: Check 02 priorities
:starmod: Check tcb/quidco My m&S voucher ready so need to print it off
:starmod: Check cos/shopit

Extras
:starmod: Make a date cake
:starmod: Check mileage
:starmod: Printed R40 form to reclaim tax on ds1's savings
:starmod: Chicken bones in the Sc making stock for soup
:starmod: More to follow

Hugs to those who need them, hope you all have a good day

princess_pea

Morning all, thanks for starting La E

Very cold start here this morning and I had to scrape the car - I must remember to dig out my gloves this evening!


NSD today and all meals from stores. I had a spendy weekend as poochy had to go to the vet to get a certain gland emptied (anyone with a dog will know what I mean!). We've started her on different dog food which also happens to be more expensive but it's better for her. I might ask Santa for a dog recipe book so I can cook her nutritious meals for less money! She did seem to love the new food though - even I thought it looked and smelled quite appetising!


Banking to check and spending diary to update. There is £15 left in the food budget and about £7.50 left in my bank account until Friday. Apart from milk there shouldn't be anything I need to buy so I'm going to set myself a challenge of leaving this relatively untouched for the week :T


Surveys and FPL to do. I'm also due a £12 refund for an event I didn't go to at the weekend (I felt too poorly) so will chase that.


Finalise budget for December once my payslip is available.


Remain cheerful - Christmas is just around the corner! :xmastree:


Have a lovely day everyone

maria3104

Hi all
Had a fabulous 10 days mixing up days with family and work.
Colossal wash in process and otherwise a duvet day as I am completely exhausted.
Work tomorrow.
Spent too much in all departments but sometimes it is so worth it!
Maria