Friday 22nd 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 all
Finally made it to Friday! :j It's been a real topsy turvy week for me personally and I still feel like I haven't gotten much done. Never mind, I refuse to stress about the whole thing.
Another busy day ahead:
check banking and PAD - 1 week until payday! :j
finish my latest crochet stuff
make time for exercise
make productive use of my free time
nsd
meals from stores (running the freezer down)
attend meeting this evening that has a free feed and reimburses travel expenses :money:
add some more jobs to the annoying list as I'm finally making progress with it
Not sure I'll have time for much else.
Have a good day everyone

maria3104

Thanks ccl. I tried and failed to get us going this morning.
All good here.
All machines on cheap rate.
All quiet outside . Am showered and enjoying that decadent second cup of tea before my next spin outside. No lambs this am.
Dd left at 6 for last uni exam and then away for a week!
It's Friday!!!!
Maria x

determined_new_ms

Morning ally & maria :wave: thanks for starting the thread ally

Quick post for me as I am off to a spa shortly :j I was given a gift voucher for my birthday for the cost of using the spa facilities for my birthday and am treating myself to a half price indian head massage. Can't wait as have been feeling anxious the last few days - meditations are helping but not taking it away...

Small things for the day:

* checked banking
* quick tidy round before I go
* put 1/2 a ys'd muffin I'd frozen in dgd's packed lunch which worked out 10 p
* updated s/s
* shower and wash hair at the spa after the session
* load of washing in machine & hang up
* daily meditations
* submit meter readings - must do this!
* ms assignment
* all meals from stores
* do one spring cleaning job in the kitchen when I get home
* need to do a number of admin jobs that are big jobs. Will get one done today
* put my holiday pay into the debt overpayment pot and we are now up to £87 so far for this month :j target is £80. Should be able to get it to about £110 this month :T
* knitting once all of this is done
* working tonight 6-10
* do tyre pressure

Ok that's my lot. Have a great day x

ziggy2407

Good Morning

CCL - Thanks for starting us off today, hope you find some time to relax today and this weekend
Maria -
DNMS - Enjoy your spa, sounds heaven - ENJOY!
Jonno - Hope today is a better day for you
Ally - Happy Birthday :bdaycake:

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.

Tried to pop back and update my list as I actually managed everything and even more ironing (none left until next wash -it never seems to stop) but laptop wasn't playing nicely and just kept switching itself off and I was tired. Today I will

Packed lunch for DH - Done
Drop a bag of scarves and gloves to homeless charity - They moved so will have to go next week
Clean fridge & freezer (as almost empty) - Hubby did
Bump all sale listings/freecycle/facebook - Done
Check Banks - Done
Read -
Continue purge on Emails - Done a few
Continue decluttering - Nothing today, just normal recycling
Enter a few comps - Done a few
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

Have a good day! Love to you all!

C x

ziggy2407

Hi Legomum :wave:, you sneaked in whilst I was dithering with my post - hope you feel better soon

Wanderlust_Nell

Good morning…

This morning I have the dentist Fingers crossed nothing needs doing…
Will pop to a shop in town to stock up on oats, seeds and nuts in bulk. Only do this once a month or so so it may turn out to be a pricey day…

Oh well!

* Check bank (waiting for tax man cheque to clear so can pay off 2 credit cards!)
* chase up switching to First Direct. Tried to do it yesterday but servers seemed to go down on the confirmation pages? Not sure if it's all gone through correctly…
* all meals from home
* list trainers and dress on eBay
* probably end up baking with the niece
* have volunteered to help a friend moving house
* circuits tonight (only £3 and I love it…well I hate it but I love it…)
* check FPL
* check TCB
* pay day on Monday! (maybe it's Tuesday…)

Have a good day!

make_the_change

:T Happy Friday :T

early school run as DS1 on a school trip
entertain DD and DS2 for free. DS2 had me up all night teething
nursery run with DD
hoover
complete meal plan and shopping list
school run and dinner from stores
football training with DS1 tonight
early night HOPEFULLY!!!

xx

twiggy86

Morning all!

Happy birthday Ally!

Small win last night - was sorting out the utility room and understairs cupboard and cam across a paintbrush and roller tray which OH had used and put in a bag to obviously resume painting but never did. Brush was completely rock solid and the old me would have probably just thrown it. But the new me soaked it in hot water and its brand new again and th roller tray is all cleaned up!

Today I have/will:-
* Check banks
* Pop to Mr T for milk only
* Take lunch and breakfast to work
* Eat breakfast before lunchtime!
* Check FPL
* Charge phone in work
* Look into which races raise their prices at the end of this month (aim is to do 12 running events this year - one done and one booked already!) so that I book those that are going up first
* Drink lots of water
* Go to appointment on way home from work to save petrol (trying to not fill up before payday although I do have money in the pot)
* Dinner from stores(?)
* Continue sorting out utility room and 2x cupboards
* Text friend re ParkRun tomorrow to check she knows about free parking
* Make list of ingredients I need to pick up tomorrow whilst in town (this will mean going straight from ParkRun to save a journey so hoping I don't look too much of a mess!)

Think that's everything for today. Don't know if I'll check in over the weekend but really hoping for a productive weekend around the house - so wish me luck!

Hope you all have a good day!

maria3104

Hahahahaha

Just quickly amended Mr T order for Friday night. If nothing is substituted I will be on 249.91 for the month.:eek:

How close is that to my budget?

Gotta go and get back to work. Good luck at the dentist.

Maria

PaceThePixie

Morning Lovelies :hello:

Well done to everyone making it to Friday

Todays list:
Housework.
Try not to shout at the OH
All meals from my little cupboards.
A walk if it stops hammering down with rain :eek:
Check online banking :eek: not enough NSD this month

Checked my credit file earlier too and because I owe nothing I am listed as poor. So Experian send me an email saying to improve this I should take out a loan or more credit cards :eek::mad: I have a credit card with a limit of £11500 but owe nothing on it. No wonder we all get into debt if credit file people are saying to borrow.

Anyhow keep smiling folks :rotfl::T

Have a safe weekend.
Pace.