Weds 6th 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
Another night of too little sleep - 5 hours was all I managed. I always find this time of year quite tough, but the fact that dh is ill, work is busy and it hasn't stopped raining for 3 days is making it really tough today.
Still, keeping busy means the day goes quicker. Here's my list for today.
Check banking
PAD
Aim for NSD
All meals from stores
Find time for exercise
Find time for crochet
Pay at least 3 compliments (I'm trying to counteract my negativity)
Full day of teaching
Meeting after work
Mark a set of books (very unlikely)
Read Martin's email
Ring the hospital to complain :mad:
Get DH to do something (polite nagging)
Load of washing (may have to resort to tumble drier due to weather)
That will do. As you can see I'm still trying to balance my own stuff with other stuff going on but I have a feeling this is not sustainable even short term - never mind long term. I will need to carefully think about what will have to give...

PaceThePixie

Morning all

Todays list
Move bank account (hopefully).
Ironing.
A bit of housework (I do some everyday to keep me occupied).
Tidy roof terrace (it's looking windswept & battered).
Online surveys
Use Boots vouchers / points to buy an item we've run out of.
Sadly today will be a spend day as Wednesday is counselling day.
Will have a wonder around the second hand shops here as I am looking for a bread maker!! Not sure I can get something like that from there but remain hopeful.
Slow cooker meal tonight (Moroccan Tagine) All our meals are from our weekly food shop at Aldi so thankfully we don't have to spend any extra during the week on food.
And last but by no means least keep smiling

Have lovely day everyone. Stay safe.:D

Sanctioned_Parts_List

Afternoon all!

Mrs SPL was wielding her cleaver again yesterday, so fresh steamed baozi for lunch - yummy

Today so far:
Still not done with the accounts - I hadn't realise I'd let them slip so long
The boss is back, and he brought chocolate!
Loads of language homework to do
Snow
Got an updated meter reading out of the lodger - he's been quite thrifty, it seems, so we're £260 in credit to the utility co, rather than £30.
Forgot to bring the receipt for #2 son's nursery, for the expenses

It's Wednesday - half-way, folks!

ziggy2407

Good Morning Everyone

CCL - Thanks for starting us off today, sending love and hugs to you and Yorkshirelass

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
Brisk walk to and from leisure centre - Done
Aquarobics (10-11) - Done
Check Banks - Done
Ironing - No, had visitors
Enter a few comps - Done a few
All meals from cupboards/fridge/freezer -
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win - Done
Check Lucky Phone - Done

Love to you all!

C x

lego_mum

Morning all & thanks for the start CCL.


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 used up a shampoo from butlins
:starmod: Walk at least 7000 steps to get bounts points :A 9000 as at 1.30pm)
:starmod: Eat for health :A
:starmod: Drink water through the day :A
:starmod: Monitor fitness goals etc using my fitbit daily & adjust when needed :A


Daily jobs:
:starmod: Wash a load at 30 degrees :A
:starmod: Hang washing on the line if dry/radiators if not :A
:starmod: Check banks/update spreadsheet :A
:starmod: Delete junk from emails
:starmod: Clean & tidy fridge (make sure we don’t waste anything) :A Made several things
Butternut squash & tomato soup which included a random mushroom, the end of a pot of salsa & a lime/cucumber riata (sp?) thing that we'd had at new year with popadoms - very tasty, quite sweet tasting soup, my dad is here and is my test dummy!! hehe Also made a sausage meat casserole using up the sausage meat bought before xmas ys'd which we froze and decided not to use, it also has in it some left over salad bits, grated carrot, grated radishes , peppers etc. Had two sweet potatoes that I;ve boiled with white potatoes so me & dh are having orange mash with our dinner tonight
:starmod: Use something out of the food use up box :A finished jar of golden syrup used to make summer berry muffins
: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
:starmod: Clean the kitchen using minimal products :A
:starmod: Tidy at least one cupboard :A another kitchen cupboard put back to normal after xmas visitors
:starmod: Gather together items for the cs

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 my sis is bringing me bread & milk using the apps

Extras
:starmod: Make a date cake Made the muffins instead
:starmod: There will be more to follow

Hugs to CCl & all those who are having a tough time at the minute.

carrielovesfanta

Morning all!

Thanks to ccl for starting us off.

Big hugs and thoughts to all of you who are feeling low/stressed. Please try to do one nice thing for yourself today x

Please cue the music...

HALLELUJA!

HALLELUJA!
HALLELUJA!
Vodafone have ACTUALLY managed to take a direct debit!

So after 3 months and 8 phone calls, we have success!

(Not sure why all the giant gaps - they don't appear in the preview...)

So today's list:

• B/L/D from stores. Today is Spanish omelette, tuna pasta bake and spicy prawn/chicken stir fry
• Check online banking, shift some money, reconcile spreadsheet - done
• Log calories in free app - done
• Post ebay item at lunch time - done
• Left parcel at reception for courier to pick up - returning item and exchanging for a larger size (OH bought a skin-tight jumper for himself!) - done
• Log meter readings
• Check a record player that my friend has offered to me FoC
• Read Martin's email :mse:
• Charge phone in work - done
• Remind OH to take things to charity shop - done
• Talk to HR about the possibility of OH doing some intern work - done
• Speak to OH about new mifi package

Not a bad list again today


Have a good one all


clf x

twiggy86

Morning all!

Hugs CCL and anyone else who needs them.

I actually managed a NSD yesterday!

Today I have/will:-
* Check banks
* Use free moisturiser sample (5 days out of 1 sachet which is meant to do a day! How much stuff do people cake on their face?!)
* Adjust heating controls so on for less time in the morning
* Do washing up
* Take lasagne out of freezer for dinner - Argh I forgot so who knows what we'll have for dinner!
* Put load of washing on
* No TV on this morning
* Take lunch to work
* Charge phone in work
* Call dad about fitting new lock
* Update work expenses
* Reshuffle money to correct accounts
* Work out what ingredients I need to make cheesecake for dinner (well dessert!) at parents on Sunday
* Go for a run?
* Chop up and freeze pepper which is lingering in fridge!
* Dinner from stores?
* Wash hair and let dry naturally
* Wipe down shower glass
* Wrap present for baby shower on Saturday

Think that's everything for now! Hope you all have a good day.

princess_pea

Morning all, thanks for starting CCL

I'm 31 today :eek:
OH is still poorly I'm at work until mid afternoon when I think I'll take poochy for a nice run up the hill - providing the rain stops!


It might turn out to be a NSD as we can't go out for a meal tonight now
Banking checked and spending diary updated. I'll stop off at the bank on the way home to pay a couple of cheques in - these will go in the savings pot
Got a lovely card and some flowers from work. We've tucked into the cake I brought in (lemon and blueberry )
Need to take washing out of the dryer when I get home


That's it for now

twiggy86

Happy Birthday Princess Pea!

lambda

First day back at work today!

We were a bit optimistic in thinking we could pay off £1090 this month off the credit cards. Instead it's going to be £970. That's still a big chunk paid off, but I feel a bit down about that. But it's still money paid off the cards and onwards and upwards...

Having a packed lunch as usual today.