Thursday 19th May - 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 my lovelies :hello:
Well, it's arrived - Chemistry paper 1 is this morning, and I actually think I'm more nervous than the kids. There's a lot riding on this for both me and the kids so fingers crossed the exam board have made us a nice easy paper to start. There are another 2 after this, which will definitely be tougher.
I haven't slept that well again and my brain is in overdrive a bit. So I have to do the usual - survival rather than anything more.
:cheesy: Check banking and PAD
:cheesy: Plan next week's lessons
:cheesy: chemistry exam :cool:
:cheesy: mark my Year 8 books
:cheesy: Aim for nsd
:cheesy: Meals from stores
:cheesy: Get dd to cheerleading tonight
:cheesy: Get both kids to help with housework
:cheesy: crochet to help me relax
That will do - have a good day everyone :beer:

maria3104

Morning all.

Been up and out since 4. Lovely morning.
I have thrown some seeds in the part of orchard laughingly called veg garden. Probably chickens are scratching seeds up again now!
Dogs have had a great morning.
Done 2 loads washing drying ironing and put away cheap rate.
Am showered and drinking milky coffee in bed wondering how to stop myself wasting money on small things. A melon I might forget to eat, a work shirt slightly too tight so never worn etc .
I have resisted lovely foreign swimming holiday, which I was desperate for but really can not afford and xm also not well enough to do. So am going to visit lovely sister and have family time. Looking forward greatly and also can afford this.

Dd did a top up shop yesterday 14. She called after her first uni exam of the summer. Then went for a bath with a baileys.
Ccl thinking of you and your pupils.
Take care all.
M

allydowd

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allydowd

Hi May Marvellous-oes,

Thanks for the starter CCL.

Quick post. Feeling fine this morning.

Good luck to everyone who needs it today.


Debt Free-Nillionaire Continuity Plan Year Two:

* Going for a brisk swim this morning in the outdoor pool before it rains too hard as part of my 5km swimming odyssey. Get a very long shower there afterwards. This will see me at the 4km mark. Done. Lovely swimming in the rain with the steam coming off the pool. Told myself I was swimming in a hot geo-thermically heated pool in Rekjavik. :rotfl: DW wasn't in the mood to come on a cold day so that was £4 saved.

* STV (local tv station) want to use one of my photos, a mural on the side of the Clutha bar which is now trading again after that terrible helicopter crash in 2013 which claimed the life of someone from our village. No money in it, this time, but free entertainment for me, and sometimes these things have gone on to lead to reward. To be honest it's not a fabulous shot, just a snap, but they obviously want it for something. Can't really ask for payment for a photo of a place where a tragedy happened, that's not appropriate! They spotted it on a photo sharing website I post on, on Facebook.

* Try and make constructive use of the rest of the day if I can make my mind up what I want to do.

* Breakfast was a derelict croissant. Will eat properly when I get home.

* DW and I are going to the cinema later. We are going to see separate films, at the same time, as we have different tastes; it'd be a waste to see a film that doesn't really float our boat. :rotfl: It's not a 2-for-1 day but we have the budget for it. Will take a small sandwich and a drink in with us.

How about you folks?

PurpleFairy26

Morning all. Thanks for the start cat hope that exam goes ok.

My Thursday will look like:
Check banking, FPL and surveys
Try and work out if bills account really is ok and we have just a little cluster of outgoings or if I have miscalculated
Meals from stores
Run for free exercise, 18k to go in my 50k in may challenge
Dig out present for party at weekend
Work at home, get loads done so tomorrow will be easier
Admire my new scrummy blinds

Check back later. PF.

allydowd

PurpleFairy26 wrote: »

Run for free exercise, 18k to go in my 50k in may challenge

A fairy after my own heart.

DawnW

Morning all
Thanks for starting the thread CCL - hope the exam goes ok
Early start for you Maria - dog had me up at 5 am but instead of doing something productive like you, I shamelessly headed back to bed
Congratulations on the photo Ally - I can absolutely understand why you would think it inappropriate to ask for payment, but they might like to give a small donation to a local or Scottish charity? Either way, as you say, it might lead to other opportunities - here's hoping

Must try to be more productive today, as there will be no 2 year old in residence, and OH will be out all day as well :)So, today's plans are:
Cheap breakfast of porridge and a banana that really needs using up! Done
Small shop needed, probably Mr S, but must check vouchers etc in my bag before I decide. Will make a list as not much needed (but don't want to forget anything)! Done, used vouchers, got some nice YS items
Go to sales unit while out, to tidy up / see if anything needed Just a quick tidy, nothing sold
Walk for free exercise Used the car as when I looked, I needed more shopping than I thought
More walking with dog later (OH doing the morning shift before he heads off out) Done
Clean / tidy house, not sure exactly what yet, but there is plenty to choose from :eek: Just a bit of tidying - motivation fail
Do anything needed in the garden, unlikely to be any outdoor watering after yesterday's downpours! Watered the plants in the plastic mini greenhouse
Make a pot of bolognese and a meat base for a shepherd's pie from a big pack of mince from the freezer Done, really stretched a 750g pack of mince

Check for any surveys, check FPL Did a few surveys for onepoll.
Check ebay items, no sales for a couple of days unfortunately I have loads to list, but will wait for next month's free listings allowance as the 35p per item is mounting up a bit :eek: Small sale today
Wondering whether an ebay shop might make it cheaper, as it is business stuff that I sell - must look into this. Still not sure, the info is not that clear
Think about making a start on mine and OH's accounts / tax returns :eek: I always do the groundwork to keep the accountant's fees to the minimum. Well, I thought about it.... but only briefly, used the excuse that we are still waiting for one of OH's P60s - but of course I could have started mine!

Well, that lot should keep me busy - hope everyone has a good day

SpekySquarehead

Morning,

Hope you’re all well.

Yesterdays list;
- Take breakfast and lunch to work - Done
- Check banks and YNAB - Done
- Go to gym – Didn’t manage
- Make shopping list - Done
- Check cheap wedding gift ideas – Will do today
- Get a recipe for soup – Done, and made the soup!
- Apply for a balance transfer for my savings – Tried to but didn’t have the right paperwork

I also mopped my floors and had an early night. Very productive evening for me.

Todays list;
- Check bank and YNAB
- Take breakfast and lunch to work
- Go to gym – Done
- Check wedding gift ideas
- Apply for correct paperwork for balance transfer of savings

I think that’s me for now.

make_the_change

Good Morning All,

Good luck CCL and big hugs to everyone else.

Went to bed at 9.45pm last night, much needed but struggled to get up this morning, kept snoozing the alarm! Kiddies started the day as they finished it yesterday, arguing and bickering Had DS1 get upset at school regarding another child, that school is really starting to wind me up now. Maybe consider moving him?

- school run - done
- entertain DD and DS2 done
- surveys done
- nursery run with DD done
- pop into town to change DD's trainers as they are too big and print some paperwork at the library done
- school run and quick dinner before DS1 heads to football
- clean and hoover
- ironing
- dinner for me and OH, have taken BBQ chicken out the freezer and will have with rice and use up the salad
- early night

xx

allydowd

DawnW wrote: »

Congratulations on the photo Ally - I can absolutely understand why you would think it inappropriate to ask for payment, but they might like to give a small donation to a local or Scottish charity? Either way, as you say, it might lead to other opportunities - here's hoping

I think the Clutha has a charity set up. Will look into it.