Tuesday 26th 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:

crazy_cat_lady

Morning all :wave:
Well my snotty nose and sore throat woke me up at 6 this morning _pale_ so I thought I might as well get up. I'm fairly determined to get back on the MSE bandwagon today because I've had a wobbly few days for sure. I can tell I've been stressed because my eating habit are rubbish and I'm gaining weight, and spending money I shouldn't be again. Time to nip that in the bud before it gets out of control.
So today I will:
:think: check banking and PAD
:think: make a start on the monthly shop online as it's payday on Friday :j
:think: only spend on milk and a trip to the vet with naughty tortie
:think: try not to stress
:think: stay drugged up on paracetamol
:think: meals from stores
:think: full day of teaching
:think: finally finish marking these blimming tests
:think: eat mindfully instead of eating rubbish because I'm stressed
:think: make time for exercise
:think: 7000 steps for my Bounts
:think: attempt to finish crocheting my cuddly sheep.
Sounds like a busy one. Have a good day all :wave:

Bobarella

Morning Cat thanks for the start. Hope you have a good day and feel ok.

Legomum my kitchen isn't great either. Had one of those nights where you feel you don't start to chill out till after 9pm and by that time I felt shattered. Hope your son's check up goes ok.

So yesterday saw me making my first round of May payments. Will do more on Friday when OHs money is in.
I also ordered a school leaving hoodie for my son as although I see It as an expensive item (£15) I got the largest size going and he will love it when it turn a up. We also will have a year book, & class photos/individual photos coming up to buy if we want to before end of term. It's hard to walk a line sometimes between saying no to these items because they are 'the last one at infant school' & feeling a bit emotionally manipulated.

Keeping the faith today by
1. OH packed lunch
2. No heating on
3. No tumble drier
4. Checking banking
5. Walking as much as possible
6. Using home made babyfood
7. Putting a charity bag out to the kerb
8. Keeping on top of basic housework
9. DD clothed in all gifted clothing..
10. Design dinner around stores.

Hoping to see Ziggy back on the thread today. We miss you.

Bob

PurpleFairy26

Morning frugal pals well done on your total Bob what an exciting milestone :T

Hope Ziggy and foxgloves are ok if you're reading. Do post soon. Today is day 1 of a two day strategy thing at work. I'm already not looking forward to it

My list will be:
Snacks to work as they're likely to be sweets/biscuits to nibble on
Work will buy lunch and dinner
Check banking, FPL and surveys
Text friends as its her birthday and haven't posted card. Will drop round on Friday when I'm in the area.
Check out rest of April/annoying thing list and see what's achievable this week
Washing on airer
DH has put heating on again this morning

Think today's MSE will be limited as wont be home until late, we're off site and it's forcasted snow :eek: will check back later. Have a good day. PF

maria3104

Morning all
No washing on this morning. Amazing!
Discovered the baby chicks can not fly out if little box. Spread all over kitchen floor cheeping away at 5!!!!
Lots of food in store and tonight food ready for tea.
Hope to survive work and get into bed at 6. I amtotallyworn out.
Keep well all.
Maria

La_escocesa

[FONT=&quot]Hi guys :wave: [/FONT]

[FONT=&quot]I came into work early today as need to complete my appraisal form. :eek: I am completely lost for words. Don’t know why! I got 5.5 out of 7 (and no one gets 7 so it was really 5.5/6 :rotfl:) so I shouldn’t be stressing... Maybe some tea will help... [/FONT]

[FONT=&quot]OH is out tonight so I’m in on my lonesome and don’t want to spend it sitting on the sofa! Going to try to get through some laundry and sort the house out so I don’t need to spend all bank holiday weekend sorting [FONT=&quot]it[/FONT]. [/FONT]

[FONT=&quot]Cat[/FONT][FONT=&quot] – don’t fret about falling off the wagon – draw a line and you’ll be back on track – one day at a time. [/FONT]

[FONT=&quot]Just the usual malarkey from me... Might think of a wee list in a bit (in between coding ) [/FONT]

[FONT=&quot]Best get on with this appraisal before 9... [/FONT]

little_pink_purse

morning everyone
thanks for starting us crazy cat lady


todays list
possibly work 5 hrs will find out in the next hour
meals from stores
wash on
check banking
take mum doctors then shopping
small pile of ironing
better get my finger out and get to mums


hope you all have a good day xxxxxlppxxx

yasmin2

Morning all...
Wasn't very DFW yesterday but had a crazy few days at work and I tend to overspend. Having said that it was the first time that this has happened this month whereas before it was happening on a weekly basis:eek:.
Anyway DFW for the day:

-Amazon payment en-route so going to make a payment to CC2 as still paying £20/month interest on it.
-Pack ebay parcel/post today or tmrw
-List 2 more items for ebay ready for thurs listing
-filing statements etc that received; want to keep up this decluttering bug lol and means that have to open up ban statements etc
-food from stores/fridge
-pre-pack lunch for tmrw

Hope everyone has a great day - sun is out today so will hopefully continue..

determined_new_ms

Morning guys :wave: thanks for starting the thread cat :A sorry to hear things are still tough for you but have full confidence you'll sort out your little spending spree! Sometimes something's gotta give so don't worry about this minor blip x

La E good luck with the appraisal - am sure you'll ace it :A

MTC hope things are less stressful for you today x

legomum I gotta ask do you make a date cake every day????!

Bob - totally get the conflict between getting the lo's things and trying not to spend.

re the job - I have found a couple of ft jobs - but really want to continue spending time with dgd. So think I will continue looking for p/t. We've been seeing some attachment issues showing with her the last few months so want to give her as much love, attention and time as I can before she starts school next year.

Ok things for today:

* clean whole house! Need to be super efficient and speedy. Don't want to have to do anything other than keeping things clean the rest of the week when I have dgd. Will use minimal products and reuseable cloths
* all meals from stores - although I do need potatoes...
* walk to the farm shop for said potatoes
* make the banana bread while the oven is on for dinner
* roast chicken for dinner - will strip the carcass to get another meal (it's a titchy bird!)
* wash bedding & put on the line
* do a job search
* finish digging over veg patch, dig in compost/fertiliser, pot on aubergines, sow some basil, squash and lettuce seeds

really happy with what I've plants so far - hope for success! I have 4 tom plants with another 4 seeds planted Sunday, chilli, peppers, aubergines, basil, garlic, onions, 2 cut & come again mixed salad plants, coriander (I never get great results with coriander!), rocket, 5 bags of potatoes & beetroot all germinated and doing well.
I have also sown courgettes (6 seeds 3 varieties - 1 seed germinated so far), dwarf beans, runner beans. Still to sow more lettuce, radishes, spring onions, sprouting broccoli, cauliflower and I want to get some more herb seeds, chard, strawberries, cucumbers and I think I'll be done!

* watching a few bundles on ebay that finish today - dgd grows out of her clothes so quick!
* do some form exercise.

Ok that'll do for now...

Have a great day everyone x

HelleBelle

Morning all!

Thanks for the start CCL - hope you feel better soon
Hope all goes well today Legomum
Bob I feel for you. We just got 3yo's nursery pictures and he looks sooooo cute in most of them! It's going to be a tough tough choice to choose only one.
PF I hope your offsite goes well
Maria I hope you have a good day and get your early night
LaE Good luck with the appraisal - looks like you'll ace it!

Today's list:
- order husband's birthday presents (he wants a replacement hammer which I used some vouchers for, daughter wants to get him slippers so I splashed out on some posh ones for us both that should last longer than a couple of months as our Christmas ones seem to last about 2 months! went via cashback and got a 10% discount too)
- wfh so fuel only to nursery & back
- meals from stores
- start meal planning for next week
- start budgeting using YNAB for next month - I get paid Friday and got a rise need to ensure I use the extra ££ wisely
- do a blog post plan for my side hustle and get a post drafted

Have a Terrific Tuesday everyone! xx

Bouncybubbles

Afternoon everyone!

my list today consists of

1. tell the window man we no longer want his services saving £96/year!!
2. hang the washing on the line and hope it doesn't rain!
3. go to uni to work to save my heating expenses
4.cook a large chicken tonight which will cover tonight's tea, tomorrow lunches and a curry for tea tomorrow!
5. check FPL
6.check online banking
7. share a bath with hubby (saves heating lol)