Tuesday 5th Jan - 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.

So be proud of those small steps, they really are important. :money:

crazy_cat_lady

Good morning everyone
Just a quick check in from me this morning before another busy day at work (with another meeting) - plus the roads are looking a bit treacherous outside so I suspect a long commute this morning as well.
First day back for my kids today. They're both struggling to wake themselves up this morning.
Anyway, hope everyone is well - here's my list for today.
Check banking and PAD
All meals from stores (still using up leftovers)
Full day of teaching
Try and mark a set of books
Meeting after work
Print some craft stuff off using work printer
Try not to stress
Encourage DH to do something via list or text
Make a real effort round school with wombling
Make sure I do one nice thing for someone today
Make time for exercise
Make time for some crafty stuff
Have a good day everyone!

PaceThePixie

Morning All,

Hope everyone survived their first day back at work yesterday

We had a NSD yesterday and today should hopefully be the same. Trying to teach the old dog (hubby) new tricks is painfully difficult

Todays list:
We are off to the in-laws (hubby parents) for two free meals today.
Washing on.
Online banking checked.
NSD.
A bit of housework (we live in a small flat)

Hope everyone has a lovely day. Stay safe and keep smiling.
Pace

ziggy2407

Good Morning Everyone

CCL - Thanks for starting us off today, ps you need to share the pic of your amazing unicorn you made - it's fabulous

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 lunches for DH & DS - Done
Check Banks - Done
Ironing - No, felt rubbish
Book "Aqua" classes for this week - Done
Ring Dentist and make appointments for Feb - Done
All meals from cupboards/fridge/freezer - Done
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win - Done
Check Lucky Phone - Done

Love to you all!

C x

Forgot to mention that yesterday I also

Noticed that both OH and I had funds sitting in our TCB accounts so have asked for these to be paid out (will go to holiday fund)

Downloaded the "Boots" app to gain an extra 100 points

La_escocesa

Hi Cat :wave: Thanks for starting us off :A

Pixie - I hear ya! My hubby was the very same until about 2 weeks ago!! I think he is finally starting to figure it out since he's we've started using YNAB and he's got a much clearer picture of exactly where our money is. Even just a couple of days ago he had something and I asked where he got it - he replied "I bought it...it was pre-YNAB" - that made me chuckle - implying that he wouldn't buy it now because he knows we have no money! It's not that we are suddenly poorer, it's just that we can see it more clearly! Anyway, I digress, enough of me rabbiting on

Big hello to everyone else :wave: It's been so nice to see the thread so busy recently.

So far this morning I have:
Reconciled YNAB
Cheapo porridge brekkie - added a splash of water to stretch out the milk because I'm cool like that
Got momentarily shocked when I thought about how much bad-for-you cereals are compared to cheapo healthy porridge
Don't need to wash my hair :cool:
Used coconut oil as facial cleanser with industrial-sized vat of oil - not the little tubs you buy for £10ish :eek:
Going to leave for work a bit earlier - less traffic = less petrol = cheaper...right?!
Made packed lunch with leftover ham
Leftover HM curry in the fridge defrosting for baked potato topping later :cool:

Will update on lunch with some more money-saving gems I can think of

Have a good day frugalistas!

:beer:

crazy_cat_lady

Thanks Ziggy - but I have no idea how to share a picture on here

lego_mum

Good morning all & thanks for the start CCL.

Busy day here as its the kids first day back to school but somehow they are dressed and ready to go... we don't need to leave for another 20 minutes!! I really don't know how we've managed that!

Health & Fitness plans (lose this weight once and for all, no fad diets ever again!)
:starmod: Walk the boys to & from the bus stop :A
:starmod: Gym class – aiming for 5 a week (works out to less then 80p/class!) :A
:starmod: Fill water bottle at the gym :A
:starmod: Shower/dry hair at the gym, save my water & electricity! :A and used shampoo/shower gel samples
:starmod: Walk at least 7000 steps to get bounts points :A
:starmod: Eat for health :eek: 2 snickers attacked me
:starmod: Drink water through the day :A
:starmod: Monitor fitness goals etc using my fitbit daily & adjust when needed


Daily jobs:
:starmod: Wash a load at 30 degrees :A
:starmod: Dishwasher loaded & set for the 39 minute quick wash :A
:starmod: Hang washing on the line if dry/radiators if not
:starmod: Check banks/update spreadsheet :A
:starmod: Delete junk from emails :A
:starmod: Clean & tidy fridge (make sure we don’t waste anything) :A Tonight kids having left over salad & turkey that I'm cooking now and we'll have left over Sunday lunch veggies with the above turkey:)
:starmod: Use something out of the food use up box
:starmod: Plan today’s meals from stores :A
:starmod: Make families lunches for tomorrow :A
:starmod: Minimum heating on (set for 30 mins before dh gets up), plenty of blankets & jumpers available :A

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

Money making schemes
:starmod: Inbox pounds 4 searches :A
:starmod: Swagbucks
:starmod: Check Fpl :A
:starmod: Check luckyphone :A
:starmod: Check for surveys

Freebies/vouchers/offers
:starmod: Check 02 priorities :A
:starmod: Check tcb/quidco :A
:starmod: Check cos/shopit :A claimed £20.76 cb

Extras
:starmod: Make a date cake -checked cupboard and doesn't need making today after all.
:starmod: Saved Dh's computer mouse as it wouldn't work so he binned it, new battery and its working as good as new
:starmod: Used the app on Game to get trade in prices for two games that the kids don't want, will probably pop them into store over the weekend with them
:starmod: Deleted old contacts from mobile & emal contacts

PaceThePixie

Thanks for the moral support La escocesa

It's a comfort to know I am not alone in here.

Sanctioned_Parts_List

Afternoon all, and thanks CCL for the post of the day.

Mrs SPL will not make meal plans or limit herself to a weekly grocery shop, so our food spending wouldn't look out of place in the local barracks budget. Still, not sure I want to argue with someone who chops vegetables with a cleaver :eek:

Today is kinda the same as yesterday:
Pay boy-the-younger's nursery fee
(Be ready to put in the expense claim for said nursery fee)
Brought in lunch - delicious
Finish updating accounts. VPN was slow yesterday, so didn't manage to get all statements down before sleep o'clock.

But first... specifications to review, oh rapture!

DawnW

Morning all
Thanks for the start CCL

For me today:
See to hens
Check banks, I am waiting for a cashback credit card to be cleared via direct debit, and then I can close it (the fee has risen to the extent that the cashback offered no longer covers it, unless the cardholder spends considerably more than I do :eek:)
Dog walks x 2
Washing out on line if not raining, on airer if wet
Take a bag of carp to the CS (I will find a few more things to put in it before it goes though!)
Postal survey tasks, online surveys and check FPL
No cooking today (except for below) as we have various leftovers that will do for dinner, with a jacket spud
Need lettuce and mayo, so won't manage a NSD. Will also look to see if I can get a couple of packs of Christmas cards in the sales
DD2's birthday today, so see her at some point
Cook, portion and freeze a red cabbage I bought for Christmas and didn't use (I know )
Housework :eek:

That lot should keep me busy! Hope you all have a good day

determined_new_ms

Morning guys. Thanks for starting the thread Cat :A

Small things for today:

* pay off cc
* go to appt at 10
* work 12-6
* meals from stores
* put away washing
* bath & early night - still feeling rotten with this cold
* pay cm & bills

Have a great day x