What small DFW things will you do this week? wk comm 3rd October

determined_new_ms

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:

determined_new_ms

Morning guys quick post before springing into action!

* checked banking & paid last of cc
* need to pay council tax later & set up dd
* lunch will be lo veg from yesterday, couscous & ys hummus (pot was 30p )
* make note of mileage when I leave the house
* meeting sil for a glass of vino and a natter after work
* list a few things on fleabay
* bath and ear;y night tonight

That's all! Have a great day x

foxgloves

Morning Campers,
I'm determined to make every single day of this week count. Haven't decided on my complete list yet for today, but it will include:
*Line drying cheap overnight laundry & setting timer for another load.
*2 baths from 1 lot of hot water.
*Picking courgettes.
*Finishing money-related project I was recruited for via Ugov. Quite a lot of stats to collate.
*Move some funds around....just simple things like paying Saturday's grocery bill off CC (which we only use to maximise points for vouchers).
*Declutter some more items into charity bag.
*Make tomorrow's packed lunch.
*More Christmas present knitting.
*Finish potting up geraniums from summer containers to bring under cover before the frosts.
*Investigate whether I have all the ingredients in to make apple & ginger chutney without needing to buy anything.
*Contact Body Shop to ask why I have not received confirmation of the order I placed last week. V unusual for them.
Right.....caffiene imbibed, time to make a start.
Have a good week all (especially people who are trying to soldier on while battling horrible lergies).
PurpleFairy - We may have been at the same place yesterday.....esp if you were somewhere with a play cafe, an orangery, a fountain, a boat house & a herd of deer and is in a county beginning with 'L', lol.
F x

ziggy2407

Good Morning All

DNMS - Thanks for starting us off this week

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.

Today's list looks a bit like this as I'm not really sure what else to do:

Packed lunch for DH & DS - Done
Check Bank - Done
Ironing -
Craft -
Declutter -
Bump Sale Posts on FB -
Walk at least 7000 step for Bounts points -
Continue purge on emails -
Surveys -
Enter a few comps -
All meals from cupboards/fridge/freezer -
Check: Lucky Phone, Ashleigh, Numberplatelotto, FPL -

Have a great day!

C x

SpekySquarehead

Gooooooood morning one and all,

Happy Monday and the start of another glorious week.

Yesterday morning I woke at 7am and went a run in the crisp morning fog. Absolutely loved it. Probably my favourite conditions to be out in. This morning seemed much the same, my room was filled with a pink/red glow from the skies. I do enjoy Autumn.

Anyway, we're in new month and I'm deteremined to rack plenty of NSD's and a big shop yesterday should cover me for this week. My list for today;

- Check banks and YNAB
- Bring lunch and snacks to work
- Exercise
- Drink plenty water
- Clear up papers in the house
- Read more of my book

Have a nice day all.

[Deleted User]

Well, I'm on holiday from work, so I'm saving on fuel for the car.

NeverUnderestimate

Afternoon!

I rarely post on these but would like to get in the habit of doing so, as well as updating my diaries and joining in other challenges!

To do list: 03/10/2016
- Set up travel expenses.
- Input travel expenses. (May do tomorrow)
- Eat lunch at home.
- Make spaghetti bolognese for tea.
- Chop up veg and freeze
- Sort fridge out and reorganise
- Plan my meals until Thursday.
- Grab quick shower this evening
- Arrange eyebrow appointment
- Drink 6-8 glasses of water/juice.
- Go to bed at 8pm/ have an early night.

La_escocesa

Hi everyone

I got up too late to reconcile YNAB after all my monthly bills came out. Shock horror :eek: :rotfl: Oh well, I will have an unsettled feeling all day until I can get back home to reconcile in peace. :rotfl:

Here’s me:
Porridge in work – free milk :cool:
Packed lunch – vegan sarnie – chickpea and onion salad – can of chickpeas whizzed up in food processor – made enough for 2 days :A
Sarnie in reusable tub rather than foil; washed in work ready for the next day so no excuses when I get home
Groceries shopping tonight – spurred on by last month’s epic grocery (lack of) spends :T
Yoga at lunchtime – pal’s class so I get a discount and stay away from the shops :A

Just listening to the kids behind me in work talk about how they furnished their house with a 0% purchases card and how they spend around £100 a week on food (just him and girlfriend). Let’s hope they never fall on hard times, alas they won’t find a card to transfer the balance to and won’t be spending that on food!

katy_ann

Hi everyone! A late check in for me as no time in the mornings before work! Into my last fortnight at work now before starting maternity leave, it can't come quick enough, I feel so tired! Anyway for today:

- Get £20 that OH owes me
- Check banking
- All meals from home - A colleague at work bought me some cheesey puffs, my craving! Lovely!
- Do more surveys/swagbucks
- Post a few Ebay items - Done
- Aim for a NSD - Aside from the ebay parcels which are accounted for!

I think that's all I needed to do/have done for today! I hope everyone's had a good day in the new week! x

DawnW

La_escocesa wrote: »

:rotfl:

Just listening to the kids behind me in work talk about how they furnished their house with a 0% purchases card and how they spend around £100 a week on food (just him and girlfriend). Let’s hope they never fall on hard times, alas they won’t find a card to transfer the balance to and won’t be spending that on food!

:eek::eek: Don't you just wish you could say NOOOOO! and they would listen Hopefully they will be ok and we won't be seeing a tale of woe on these boards anytime soon!

Today I have:
Worked this morning as usual for Mondays, tidied and restocked my shop space in town. It was payday too, and sales are definitely on the up from last month
Packed and posted 3 ebay sales
Listed more things
RM surveys tasks
Load of washing dried on line outside, as it turned out to be a nice sunny day
Repotted a couple of plants for front garden
Picked 2 more courgettes
Jacket spuds and leftovers from yesterday for dinner
Bits from fridge for lunch
Dog walks for free exercise
Made appointment for free flu injection (at last, kept forgetting this!)
Bit of paperwork for business
No spends, apart from a bit of business stuff

Still to do:
Check banks, need to move some money due to OH's scary golf club fees having gone out :eek::eek:
Load of washing to hopefully dry outside tomorrow
Prepare rest of RM surveys stuff for this week
Look at ebay totals for August, for my accounts (might not actually get to this till tomorrow as it means printing, which will make the dog bark )

It is getting decidedly chilly, so may need to light the wood stove later - had it alight last night as well :eek:

Hope everyone has a good night, and thanks for the start DNMS

PurpleFairy26

lego_mum wrote: »

PF You've got a lot to answer for!! Since you led me last week to the bbc food pages, my healthy eating has gone out of the window!! :rotfl: In the oven at the minute are peanut butter cookies - oh the smell of them cooking is amazing. The ds's will be very happy when they walk through the door tonight (so long as I haven't eaten them in the meanwhile! )

Ha ha :rotfl: I love it :T now it's not just me, it's addictive isn't it. Try also searching by highest rated recipes, found some lovely ones there too. I do have a sweet tooth though and always get pulled back to cakes. DH has requested muffins in the morning