Wednesday 20th April. What small DFW things will you do today?

PurpleFairy26

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!

PurpleFairy26

Good morning frugal pals :hello:

Sunshine beaming through the windows was horrified DH had put the heating on :eek: went straight back off again.

Today will mainly look like:

Check banking, surveys and FPL it'll be tight until payday next Friday, but it'll be ok.
Pop to wholesaler, having a load of people round for a bbq later, will be much cheaper than going out, will use lots of stuff we already have
Quick tidy round lounge before people arrive
Check DD has been set up for boiler cover. Saved £11 a month and £27.50 cashback has tracked :T
Cancel other boiler cover DD now I have cancelled cover
Eye out for 3 people I called yesterday to call me back - hum, not overly hopeful. Now I know why I dislike speaking to people on the phone. Takes forever to get anything done. One was for a free will, and despite being an 'official nominated solicitor' woman know nothing about it and said just come along anyway as its only £180 - err, no I called about a free will
See if anything on April/annoying things to do. Managed 4 yesterday :T

Think that's about all, check back later. Enjoy the sunshine folks. PF

La_escocesa

Well hello there :wave:

I'm just waiting on the tram and using my phone so apologies for typos!!

Forgot my book today - annoying since I'm getting the tram to/from work today...

Listypops:
cereal in work - free milk
packed lunch
tram ticket budgeted for in YNAB
walk from tram - 25 min walk, free exercise, save petrol as hubby not coming to pick me up
check banking and DDs that have come out
show OH how the money situ is on YNAB before he goes spending
finish pal's baby pressie
WM on quick wash
batch coming tonight - didn't yesterday just had quick stir fry
HM manicure - no salon visits for this little lady

Happy days!

Hope everyone is well.

Xx

make_the_change

Hi All,

Lovely sunny day here although chilly in the shade.

Spoke to the council and they won't assist with the guarantor situation. I'm going to be job hunting to up my income which should solve most of the problem. It just means going back to work in the City, long hours, not seeing the children, requiring childcare for all three which fits around school/nursery and baby. Not sure what else I can do x

OrangeFairy

Morning lovely peeps,

It's Wednesday!!!!!! Just today and tomorrow and then Friday is an out of office walking day with lunch to get to now the new staff!

List for today

Sort some fleabay sales
Soup from stores for lunch
Breakfast at work
Hubby is taking us to the theatre to watch a funky tap show tonight.
Use mr t vouchers to eat at pizza expre55
Check surveys
Check tcb
Check FPL
Reconcile spends
Check bank

OF x

BeLikeMonica

Good morning, I have returned here (with a new name) after a break but have decided to start fresh with my debt busting. So, this is the new me! I'm really nervous posting today, I'm not sure why......
I shall start things off gently by saying that today I phoned the gym and cancelled my membership! I have also packaged up two books that are being returned to Amaz0n. Baby steps!

yasmin2

Morning all ... still in bed as I type this.. lovely

Tasks for the day:
- open up another bank account so can keep main acc for DD/SO only and new account for spending money
- cook from home
- pampering session at home - use up some of my expensive toiletries.. Oh the money that is literally being poured down the drain:eek: Never again especially as you can make things at home which are cheaper and less full of chemicals as well..
-budget for May - its weird, April's budget as left me with little extra money but strangely feel more in control of my finances

Hope everyone has a lovely day:):)

System

Well I have already done a couple of surveys today, hopefully more to come.
Been out to work for a 2hr shift on my new casual job.:T Got about 4 more hrs on Friday.:) Also got about 6 hrs on my other job tomorrow, so all good at the moment.
Lots of housework to catch up on and hopefully some FB sales etc
Just done a 30' wash and about to peg on line.
Then a walk to village to my nurse appointment for my long term health condition results
See what YS products I can find in Co-op
Check debts on BC now they should have had chance to amend figures and I can amend my sig total

Hope everybody has a good day

Baileys_Babe

PurpleFairy Thank you for getting us started this morning.

Lovely and sunny here to do, which always makes me so happy

Today I plan to:
NSD
Post on this thread for support, motivation and inspiration
Open curtains fully
Close curtains before it gets dark
Turn off lights and appliances not in use
Post letter today so it can go 2nd class
reusable sanitary wear
Stick to meal plan
B/L/D from stores
Set DW to run overnight
Set WM to run overnight
Unpack bags, when we get home so nothing is lost, damaged or allowed to go off
Take water with us
Take hot drink in thermal mug
Make packed lunch
Check FPL
Educate children for fre
Entertain children and us for free
Wash hair and leave to dry naturally
Cut open shampoo
Cut open toothpaste tube
Read Martin’s email
Dry washing on airier
Keep heating to a minimum, nothing downstairs, upstairs thermostats turned down low, we have jumpers and blankets
Cull 100 emails

I must rush off now as I have packed lunches to make before we walk to BIL for our lift to the HE session we are going to this afternoon.

I'll try and pop in later with an update.

make_the_change

Me again.... Having a rubbish day.

DS2 has spent the whole day crying, think he is teething and nothing I do is comforting him On the nursery run with DD, the neighbour had decided to join her 'witch' friend which made me feel intimidated and uncomfortable. Just want things to change now, it's making me feel sick everyday :(

HelleBelle

Hi all,

MTC - hugs. teething is very trying. You're doing a great job as a Mum. Better than your neighbour as you're teaching your children to respect other people.

Today:
> I went for an internal interview for a promotion to manager
> got some fuel & recorded in YNAB
> arranged to work from home for the next few days as I'm struggling to get around on crutches.

Enjoy the rest of the sunny day all! x