Wednesday 13 April - 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:

ziggy2407

Morning All

CCL - Thanks for starting us off today
Foxgloves - What a headache for you

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.

Really tired today, so it looks a bit like this today:

Packed lunch for DH & DS - Done
Check Bank -
Ironing at mums -
Therapist appointment at Mums (re: adaptations to flat) -
Continue purge on Emails -
Complete a few surveys -
Read -
Enter a few comps -
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win -
Check Lucky Phone -
Check numberplatelotto, Ashleigh, Ilovecashback etc -

Have a good day! Love to you all!

C x

crazy_cat_lady

Morning all :wave:
Quick starter from me this morning before work. I feel better than I did yesterday but still really tired. Not enjoying early morning starts when it's cold and miserable - and it's cold and miserable outside this morning. I've had a rotten night's sleep as well - seemed to be up every couple of hours for one reason or another. Meh. Still - it's hump day though so should be on the run to the weekend from now. :j
Today's plans
:cool: Check banking and PAD
:cool: aim for nsd
:cool: all meals from stores
:cool: try not to get stressed apart from lesson 1 when I have to force Year 10 into a new seating plan
:cool: no heating at home, apart from maybe 15 mins when we first get home tonight (due to rain all day)
:cool: try and get dh to do something round the house before he goes to work.
:cool: keep my time diary
:cool: find some time to myself at the end of the day
:cool: full day of teaching
:cool: meeting after work
:cool: try and mark a set of books
:cool: write a list of things to do.
Best get on - have a good day everyone

OrangeFairy

Morning all,

Thanks for starting us off CCL


Thank you all for your well wishes for my brothers wedding last week- it went really well and the weather held out for lovely photos with the sea behind

Didn't do to much at the weekend as Friday was so hectic!

My to do list today

Check banking
Reconcile spends with app
Take out rent money so I don't dip into it
Check FPL
Send out 3 fleabay sales
Jackets for dinner to use up chorizo mil gave us to eat by today
Gammon for the kids for dinner (left overs that are defrosting)
Do surveys
Check topc@shback
Plan tomorrow's food
Send email to SIL and MIL to pay us money they owe for the holiday
Update mse diary
Meeting with boss- be charming and confident- I know there are some digs coming my way

That's me I think!

Have a great day everyone

OF x

yasmin2

Morning all...

- post amazon book as something I posted sold just hours later yesterday
- check banking
- interest on CC No2 is £21:eek: (it was £30 at one point) so that's eaten all the money made on Amazon book but at least it's eating into debt
- aim for NSD today and tmrw - away for three days starting Fri and those definitely won't be NSDs
- squeeze in another ebay listing so all ready for tmrw evening to be posted
- food from home for work

Hope everyone has a great day..

foxgloves

Morning all,
Still reeling from car bill so planning a busy practical day progressing the veggie garden & doing sone jobs from my Annoying Things lists.
Blue sky & sunshine here now the chilly fog has lifted, so that is definitely helping.
Love to all,
F x

PurpleFairy26

Morning all :hello: thanks for starting us off cat lovely and sunny here this morning, if damp overnight. So I've hung washing done on cheap leccy overnight and stuck another in that DH can hang out when done. We're not forecast rain until mid afternoon so hopefully they will be quite try by then.


Foxglove know it's annoying about car, but think you did the right thing. Plus with your :money: you will 'make' it back in no time. Just think a few years ago it would have gone on a cc or something, so much headway from there My list for today will be :

Check banking, no pad as DH doesn't get paid until Friday so stretching until then, check surveys and FPL
Think about withdrawing p1necone money, not done this before how exciting - it's the small things
Meals from stores, tin of soup to work with lots of fruit and some ys bread product from freezer
Hot drink for commute
Print tax forms at work as our home printer isn't hooked up at moment. Get DH to email me his.
Once got above, upload them to banks server
Bump posts on local selling pages
Read martins email
One thing from April/annoying thing list - managed two yesterday

Check back later PF

foxgloves

Purple Fairy - Thanks. I think so too. I was very irresponsible with money from age 19 to my early 40s when the famous LBM struck. 1 month after my 46th birthday, we became debt-free (apart from mortgage). Shortly after that, my car needed a new alternator. When I went to the garage to collect it, I was actually able to pay the £260 bill without using credit. I just can't tell you what that felt like after a lifetime of frittering money away. If you'd told me then that in a few years time, I'd have continued to change so much that I would find mysrlf able to pay a £906 car bill without borrowing, I simply wouldn't have believed it could be possible.
So I'm far from happy about it, but I know I"ll be putting all my mse skills into practice to replace the money.
And having said that, I'm off to sow some more seeds for future food!
F x

make_the_change

Morning All,

Fingers crossed I will be viewing a property today. Done the school run with OH, so felt a little more at ease. He is at work until 6pm so will have to do the afternoon on my own slightly nervous/anxious. Again a morning spent job/house hunting and praying!

Hope you are all ok and thank you for your lovely support.

foxgloves

Oooh, good luck with the propety viewing, MTC. And tonight when you collect your children, hold your head up high. You are not the one behaving like a loser here. So deep bteaths, best foot forward & maybe aim to make eye contact with & smile at 3 Mums you don't know. The more you try to be invisible on the school run, the more those bullies have won. Honestly, to have so little their lives that they get off on that! Pathetic bunch!
F x

make_the_change

foxgloves wrote: »

Oooh, good luck with the propety viewing, MTC. And tonight when you collect your children, hold your head up high. You are not the one behaving like a loser here. So deep bteaths, best foot forward & maybe aim to make eye contact with & smile at 3 Mums you don't know. The more you try to be invisible on the school run, the more those bullies have won. Honestly, to have so little their lives that they get off on that! Pathetic bunch!
F x

Thank you. Means a lot x