Monday 15th February - 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.

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

princess_pea

Thanks for starting Ziggy

LSD (just need dog food) and all meals from stores - we went to Aldi yesterday and batch-cooked some vegetable chilli (20 portions!)
Wedding spreadsheet/ guests updated. On Saturday we commissioned our wedding rings
Book hair appointment for one evening during early March. I use a mobile hairdresser who is about half the price of the salon I used to go to plus having an evening appointment means I don't have to take time off work
Reduce DD for my loan repayment as next month is my last one :T
2 hours overtime at work
Bathroom to clean when I get home
Free radio entertainment at work
I have a couple of bits to take to the charity shop at lunchtime
Update signature as I've adjusted the wedding budget


Have a fab day everyone

ziggy2407

Good Morning All

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.

Well, not a great start to the week as DS has been up all night ill - so it's going to be a quiet sofa day (he looks and sounds shocking, I'm just tired). Today I hope to

Packed lunch for DH - Done
Check Bank - Done
Visit mum (later when DH home) -
Bit tidying in attic -
Washing -
Ironing -
Find builder/handyman (need an arch taking out and a door installing) -
Craft -
Declutter -
Read -
Continue purge on Emails -
Complete a few surveys -
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

DawnW

Morning all
Brrr, really cold here today :eek: though the sun is shining

Today's list:
So far:
Dog and hens fed
Cheapie porridge with free fruit from the freezer for breakfast
Cleared up a jar of pesto that I somehow knocked out of the fridge and broke - broken glass and pesto all over the kitchen floor
Chased up a freecycler who replied immediately and then disappeared off the face of the earth when I offered him the item :mad:

Still to do:
Dog walks x 2
Help DH unload the firewood from his truck when he gets back
Ebay item ending today, has bids
HM meals from stores - I am going to make a fish pie today
Pay milkman online
Order a repeat prescription online
Go to sales unit to tidy up / see if any new stock needed
Sort out kitchen as it looks as though a bomb has hit it :eek:
More items to freecycle - hoping not to get messed about
Prepare week's RM surveys stuff, nothing to post till Wednesday
Any surveys, check FPL etc

Right, dog walk #1 coming up!
Hope everyone has a nice day

crazy_cat_lady

Morning all :hello:
Thanks for the start Ziggy - hope your ds is feeling better soon.
Snow outside today - pleased I don't have to go anywhere apart from the vets and carers centre today. Got my little lie in - but rather annoyingly ds was up and awake earlier than he is on a school day. :mad: I've had 2 cups of tea (priorities) and am just about to make some breakfast.
So, for today:
:cheesy: Check banking and PAD
:cheesy: rest and relax!
:cheesy: start this knitting project ds desperately wants me to do
:cheesy: make time to do one survey
:cheesy: get 2 cats to vet (£60 budgeted but hoping it will be less)
:cheesy: go and meet my 'worker' at the carers centre on my own
:cheesy: get dh to take ds out for something. He is impossible when he stays indoors all day
:cheesy: go to my training session
:cheesy: look at the budget for the rest of the month :eek:
:cheesy: one bag of rubbish and hoover
:cheesy: chase up a missing delivery I've been expecting for a while
Think that is all for the moment. Have a good day everyone :money:

webitha

Nothing its my birthday today so I'm having a day off money saving

downshifter

webitha wrote: »

Nothing its my birthday today so I'm having a day off money saving

Happy Birthday!! Mine too, but feeling depressed as it's also Jane Seymour's and she's the same age as me!

Grandchildren for the week, weather looks good despite snow so lots of country walks, may even do a picnic in the snow. Lovely! (and cheap!)

Hope you have lots of cake and are indulged by everyone around you.

determined_new_ms

Happy birthday webitha & downshifter _party_ hope you both are made to feel very special today. It's actually my oh's birthday as well (and our anniversary tomorrow :lovethoug)

ziggy thanks for starting the thread and thank you for all those links on fb over the weekend - I will check them out at some point today. I really felt like you guys are a really lovely bunch and I'm glad we're all "friends" when I saw them :A thanks you guys, you enrich my life! :A

Ok small things today:

* make cake with dgd for oh's birthday. She's really excited about it as she chose what cake to make - strawberry & cream victoria sponge mmmmm
* B/L from stores
* going to outlaws for family meal for oh's birthday tonight which will be a lovely roast lamb affair :j
* NSD
* washing :eek: actually should shake a tail and get it on the line as although it is crisp there's a nice breeze so it should dry
* photo some bits for fleabay
* take dgd to the park after lunch - wrap up warm!
* put a post on facebay asking for spring/summer bits for dgd
* look for new bb supplier
* do some research for position I'm applying for
* get dgd's bag ready for tomorrow
* check banking

Ok think that's my lot, have a lovely day guys x

foxgloves

Morning Money Savers,
Have got off to a good start to the week. I have to go out to a meeting tonight, so thought I'd better get cracking on my list good & early:
*Laundry done overnight on cheap tariff. Another load in now, to make best use of heated airer. Too cold outside for drying & snow showers forecast too. Done.
*Feed birds. Managed to make up a decent bowlful from old cat meat, crumbs, a smashed up fat ball & the bits in the bottom of a cereal packet. They're tucking in! Done.
*Enter competition. Done.
*Pay 2 x 50ps into sealed pot. Done.
*Sow mustard & cress seed in recycled plastic fishcake packaging! (It's made 2 great little propagators). Done.
*Sow chillies. 3 different varieties & put them in heated propagator. Done.
*Do at least one survey. Done.
*Re-list ebay items. Done.
*Pack away some salvaged envelopes & paddibags into my wrappings stash. Done.
Still to do:
*Mid-month budget check-in.
*Update grocery budget.
*Shuffle some funds around.
*Pay CC bill in full (only very titchy this month, I was pleased to see).
*Make tomorrow's packed lunch.
*Peruse Avon book for any unmissable bargains.
*Hopefully finish my purple sock.
*Maybe finish library book & start bag of items for return this later this week.
*Work out some financial projections for Holiday Savings Piggy. Need to check how much cash currently in there, when will be the soonest time I can pay off holiday cottage balance (booked for autumn) & whether we will have sufficient cash left over for a couple of little camping trips. We should do, but I won't commit to booking until I know for sure. Campsites off-season are affordable but you do have to factor in cattery fees & other things too, so I want to see the figures on paper before we get too excited about taking off in our tent.
OK, that is today's planned stuff. Had better crack on now. Trusty calculator by my side (a free one, naturally, which mr f got from his trade union.....it works better than the previous one, which I paid for!)
Have a good start to the day all. Hope poorly people start to pick up soon.
f x

Aegean

Today my Payplan payment came out, so £220 later and my debt is now down to £5,369.51 :beer:

Today, I'll be budgeting my food bill for the week, driving carefully to use less petrol and eating the food I brought in for my lunch instead of giving in to the temptation of the work canteen.

I've also signed up for a free course to help me with my day job https://www.futurelearn.com/courses/digital-storytelling/2/welcome I really love this site, free learning is the best way to cheaply build your skills and improve your employability (and give you something useful to do on those otherwise boring nights in!)

Happy Monday!

twiggy86

Morning all!

Happy birthday to all the birthday peeps!

Haven't caught up on the weekends thread yet so hope everyone had a good one!

Today I have/will:-
* Check banks
* Make payment off CC
* Make smoothies for breakfast
* Reuse sandwich bag for freezing banana (use for smoothies)
* Take curry out of freezer for dinner
* Do washing up
* Take lunch to work
* Update speadsheet, snowball and signature
* Check FPL
* Charge phone in work
* Check spreadsheet now car tax renewal has come through - £10 short which is fine as will renew after payday this month, better to "find" £10 (I put £15 aside each month) than the full £180!
* Earn more on OnePoll
* Order new bathroom tap as offer runs out today
* Pop to Home Bargains for lunch bits
* Go to circuits (will be free as instructor is actually away but has sent plan through)
* Dinner from stores
* Wash hair and let dry naturally
* Sort out laundry (have a serious aversion to doing this so it is now a laundry mountain!)

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