Wednesday 25th 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. :money:

La_escocesa

Hi everyone :hello:

Thanks for starting us off Ziggy

Hope everyone is good today.

Big happy birthday wishes DNMS!
:bdaycake:

Here's my listypops:
Brekkie at home
Find a packed lunch :think:
Finish hats for friends' kids

I sorted out car insurance :A Searched on the basis that I wanted to pay it annually and spoke to OH's parents to check I'm still a named driver on their car - that reduced my quote by £100! :T And the motivation not to go for the monthly deal. Made a list of all the things I want to be able to pay in full every year and I'm hoping I can stick to it and start putting away each month.

Happy Wednesday everyone!

ziggy2407

Good Morning

DNMS - Happy Birthday :bdaycake: have a wonderful day!!!

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 - Done
Clear dining table AND coffee table -
Bump all sale listings/freecycle/facebook -
Check Banks -
Continue purge on Emails -
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

lego_mum

Morning all,

Thanks ziggy for the start
Dnms Happy birthday
Le £100 off the quote, that's great

:wave: to everyone else who follows
Health & Fitness plans (lose this weight once and for all, no fad diets ever again!)
:starmod: Walk the boys to & from the bus stop not tonight though as they're both at the dentist
:starmod: Gym class – aiming for 5 a week (works out to less then 80p/class!):D done
:starmod: Fill water bottle at the gym done
:starmod: Walk at least 7000 steps to get bounts points done
: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 done
:starmod: Hang washing on the line if dry/radiators if not done
:starmod: Check banks/update spreadsheet done
: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
:starmod: Plan today’s meals from stores
: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 done
:starmod: Tidy at least one cupboard done the pressie stash box
:starmod: Gather together items for the cs

Money making schemes
:starmod: Inbox pounds 5 searches
:starmod: Swagbucks
:starmod: Check Fpl
:starmod: Check luckyphone done
:starmod: Check for surveys
:starmod: Rm survey done

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

Extras
:starmod: Make a date cake
:starmod: Finally got the Thorntons chocs out of the kitchen - most wrapped and labelled - balance sent to my mums so that I don't start on them! done
:starmod: Wrapped a birthday pressie/card from the stash done
:starmod: Ironing done & watched :money: done

determined_new_ms

Morning guys & thanks for starting the thread Ziggy. How is everything with your family? Hope things are as good as can be expected x

La E nice one on the £100 saving & being able to pay for ins in one go. I wrote out a long reply to you the other day and then deleted it as didn't want to be on a downer! I think in reality if you end up paying monthly you get in the trap because to then save for the following year you are effectively paying twice in the first year. Really need to think about my ins due in Feb as I have paid for it in one go since getting df is 2010 but finances not good this year!

Thanks for the birthday wishes you guys x

Work went well yesterday, but bar work is hard work! (physically - I'm used to office work and it being mentally draining and a lot to do, which bar work is something completely different!)

Feeling a bit poorly this morning as have come down with dgd's cold. What with that and being the birthday girl not expecting big small things today

Plans include:

* nipping to aldi's and getting a few bits of shopping. Want to make dauphinoise potatoes, pan fried chicken in mushroom sauce and french bean salad
* write a list of bits we need
* get chicken out of freezer
* other than groceries no spends
* submit meter readings
* do a load of washing
* quick vacuum & polish through the house

Other than that just getting through the day and going to bed early I think!

crazy_cat_lady

Morning all
I know it's not late, but it's late for me on a school day. Got up early this morning and saw a fantastic b0dy sh0p offer on Martin's email. My bestie loves body shop stuff so I had to go for it and order immediately... I will break the parcel up into bits and bobs for other people but it seems like a very good deal to me.
Anyway, I am at school at the moment - 'supervising' a mock exam. We don't invigilate any more but there needs to be a subject expert on hand - just in case. I've brought my planning and marking down to do once I've checked in here.
Today's list:
check banking and figure out why YNAB and my account are not balancing again :mad:
nsd apart from bargain Christmas shop this morning
look into zooplus for cheap cat food as I seem to be spending a fortune on food for some reason
need to get some stuffing for knitted tree ornaments. Yes, you have inspired me to dig out my knitting kit and take it to gymnastics with me on a Saturday. I have a pattern and loads of odds and ends but need to investigate where to get cheap stuffing from.
do not stress, even though we're down to 3 members of staff in our department
do some marking
15 mins housework and declutter
investigate ways to get rid of the smell of cat sick which seems to be lingering and none of my usual remedies are working
mark at least 2 sets of mock exam papers today
Think that's it for the moment - I hope you all have a fab day

crazy_cat_lady

Almost forgot. Happy birthday DNMS :j:j:j :beer: :beer:

La_escocesa

CCL - for stuffing I use cheap pillows

carrielovesfanta

Morning folks!


Thanks to ziggy for starting us off


Happy birthday to DNMS


Real struggle to get up this morning. Totally knackered! But in work now. Last bit of this project and I'm not happy about the data. Just trying to make the best of it


Today's list:

• B/D from stores
• Lunch out but from pocket money - done
• Charge phone in work - done
• Check online banking and reconcile spreadsheet - done
• Read Martin's email
• Minimise heating
• Possibly make paper chains
• Crochet later

I'm sure there's some more?


Have a good one all


clf x

crazy_cat_lady

La_escocesa wrote: »

CCL - for stuffing I use cheap pillows

Perfect - thank you. I already have old pillows in the house I can use.
Now, I'm definitely off to do some work.

Baileys_Babe

Ziggy thank you for starting us off today

DNMS happy birthday

CCL I am pleased you have posted as I was beginning to worry about you as you hadn't updated your diary this morning. Hope your feeling better today.

OH has this week off work and we are using the time to work on the house, doing small diy jobs, rearranging rooms and furniture, sorting through our books and clothes, planning presents for Christmas along with the food etc for the week our visitors are staying.

Today:
NSD Done
Open curtains fully Done
Turn off lights and appliances not in use
Entertain us and the children for free
Educate children for free
DW on overnight
All meals from stores
Make bread
WM on overnight
Take and submit metre readings Done
Check FPL Done
Read Martin's email Done

I have a few more things to do:
Renew library books
Close curtains before it gets dark
Plan for HE workshop on Friday