What small DFW things will you do this week - w/c 30th 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:

DawnW

Morning all
Thanks for starting the thread DNMS
No spending planned for today, did a big shop over the weekend and don't need anything NSD
Other than that:
Load of washing in, will peg it outside when done. It is cold, but looks like being a nice day to get it mostly dry In the chaos and confusion this got forgotten, so I will put it out first thing in the morning !
Checked banks
A couple of surveys
Sort out airing cupboard and put aired things away Not done this either
I have 3 ebay sales to post - a bit slow at the moment though! Done
Restock my sales unit, bring unsold stuff back and put it away (:( don't enjoy that bit!) Done, I didn't have to bring a great deal back.. I have unloaded the car as OH wants it for golf tomorrow and I don't suppose a carload of my scruffy boxes of [STRIKE]old tat[/STRIKE] antiques and vintage items would look that good at the golf club :rotfl::rotfl:Still got to actually put it away though!
Go to surgery to pick up prescription Done, also took some forms that needed returning, which means they are no longer cluttering up the book case :T
Minimal cooking - I baked treats yesterday and made pesto to go with pasta for dinner OH avoided the pesto by having leftovers from yesterday :rotfl:
Start off some sprouting seeds now I have found the book to remind me how to do it Not yet
Some cleaning and tidying - as always, there is plenty to choose from, but I am thinking of the main bathroom,lower set of stairs and the kitchen windowsill Bath and basin done, and that is about it
Dog walk later OH and little GD did this today
It was my birthday today, and not much got done because DD and little GD came over with a cake that they had made and a hilarious card drawn by little GD It shows the house, the dog, the flowers and the Christmas tree in the front garden, a butterfy .... and a cat flap, which we used to have (though at the back of the house) for our previous two little dogs, but current little dog too dense / timid to use it, and then DS's huge dog tried to get through it and broke it, so OH took it out and repaired the door. Fancy her remembering that :rotfl:Anyway, too much cake eaten AND I had a glass of wine, but I really think I should give up this birthday business now! :rotfl:
Hope everyone has a good day

Happy_Kitties

Morning everyone
Apart from very sore stomach muscles and throat still, I feel back to normal. Had a good night's sleep last night aswell so feel refreshed. Took it easy yesterday but did update my spends book ready for November.just need to do my final balance on groceries.
A quick meeting today but not till later.
Woke up to a cold and frosty morning but blue skies are out so hopefully get some washing out in a bit.
Did the cat cleaning first thing.
DD ran a few errands for me yesterday which helped me a lot.
Banking all checked and everything all up to date.
Need to do RM survey in a minute.
Plenty of food in so planning a NSD
Packed another Christmas gift bag last night. Mix up with wrapping 2 presents for DD when one was for sis in law and can't find where I have stored sis in law final bit for gift bag. Don't want to be pulling suitcases out, hurting my stomach more,,I just know one present in the bag isn't for her. You can tell i was a space cadet last night, just wasn't with it fully but felt useless doing nothing.
Hope u are feeling better FVD I've also done the crisp thing before now......sometimes it just has to be done!
Have a good day everyone x

determined_new_ms

Morning Quick post from me before springing into action for the day

have just seen I've dropped a stitch on my lovely socks :eek: must rectify that today!

Madam back at school and am pleased to say I actually did all the things I needed to yesterday :money: (so no ironing of clothes this morning )

have cooked a chicken breast for oh to have with lo rice and some hg veg/sliced and frozen mushrooms

I intend after dropping madam off to:

* start *spring* clean of house - one room at a time
* make dough for pizza - use sauce out of freezer
* clean my car
* go to appt this morning & park for free
* listen to audio book
* go to lottie for a couple of hours - less enticing now but have to do the winter dig and cover....
* go through freezer and work out meal plan
* list some things on fleaby
* carving 59p pumpkin with madam will use the innards in some alchemy

that's enough! Have a great day guys

FVD your post last night made me chuckle :rotfl:

Dawn I don't watch telly much - I do catch up on things I like but as a general rule but will watch this on your recommendation

carrielovesfanta

Morning folks

Thank you to everyone who has liked/followed my new Crochet facebook page. I really appreciate it. FatVonD - good idea about the yarn companies... we have a large local fabric/yarn/hobby chain in the north west that I could perhaps tap up for some publicity.

Today's mission:

• Enjoy the lovely crispy weather - nice walk to work
• Meals from plan - done
• Gym at lunchtime - done
• Epilate
• Charge phone in work - done
• Try not to obsessively check new facebook page
• OH working
• Work long day - done
• See if time to do m-I-l's scarf this evening. It's getting close to completion. Who knows, maybe I will post about it :rotfl:
• No drinks
• Ask my mum for food shopping mse ideas. Food bill is beyond all sense. - done. Nothing forthcoming

Have a good one all

clf x

arc2014

Morning all!

Not so busy day for me today, half term!

- Shopping for the bits I forgot yesterday (lost my list! )
- Finish home made Halloween decorations
- Carve pumpkin (2 for £1 at Mr M's!)
- Enchiladas for tea with left over chicken from dinner yesterday
- Quick wash & dry on the line
- Purge kids wardrobe and get rid of old clothes
- Declutter book case and pack another box

That will do today. Got DH upstairs off work with a tummy bug too - lovely!

Happy Monday everyone!

uphillstruggler

Morning everyone,

Hope you've all had a good weekend.

Unlikely to be a NSD day for me today as we're going away for a few days this week and I need to get a few bits and bobs in from town.

I'm trying to create an autumn/winter/spring capsule wardrobe with a maximum of 40 pieces. In my wasteful and materialistic pre-DFW days I bought so many unsuitable items of clothing on a whim. But nothing had any value or longevity. Most I've sold on now or taken to the charity shop. I'm trying to put together a wardrobe using the pieces I have. And keeping it very simple. So anything that doesn't fit or doesn't get worn will be given away or sold on eBay to go towards CC payments.

Beautiful day here but quite cold.

Today I have/will:
*[STRIKE]check accounts[/STRIKE] done
*[STRIKE]make sure holiday folder is up to date[/STRIKE] done
*[STRIKE]meals from stores - breakfast healthy smoothie, lunch TBC, dinner defrosting some prawns and will have with curry and rice[/STRIKE] done
*[STRIKE]list items on eBay - lots to list[/STRIKE] phew! Listed 22 items
*[STRIKE]free hot drink in town[/STRIKE] done
*[STRIKE]two loads of washing[/STRIKE] done
*[STRIKE]sort linen basket - could use getting rid of an old and pretty worn duvet cover - might put in the garage to use as car protection after muddy walks etc. (any other ideas, anyone?)[/STRIKE] done
*use gym pass
[STRIKE]*saved £10 a month on sim card - I have a PAYG sim but the prices have dropped considerably in the last month or so so this is saving me £120 a year :j[/STRIKE] done
*work, work, work!

Have a good day, everyone,
US

katy_ann

Afternoon everyone, hope your well! The sun is shining here but its very cool! Took LO to the library this morning for a nursery rhyme singing session, came home for lunch and now he's down for a nap so I'm just quickly updating here as I've got some jobs to do!

Today I will:

- Check bank accounts - Done
- Check Ebay sales - Done
- List on FB selling page
- Mop kitchen and bathroom floors
- Make dinner for tonight

Have a happy Monday all! x

foxgloves

Are you all sitting down, so you won't faint onto the floor in shock?
The heating has been SWITCHED ON chez Foxgloves!!!

foxgloves

And after that bombshell, here's today's list of small things:
*Overnight laundry on cheap tariff. Pegged out to air, now drying on heated airer.
*Made bread.
*Leftover fish pie tonight. I like this 'Cook once, eat twice' approach.
*Sorted out the presents we bought yesterday & updated list.
*Updated budgets thoroughly. Mr f bought much needed new DMs yesterday. Used CC for vouchers. Have now paid across the money from our Clothes Piggy so all straight.
*Did a couple of surveys & a prize draw.
*Checked online banking for transfer of funds. No sign of it yet.
*Cut the first of our homegrown cabbage.
*Using poached cinnamon pears from freezer for desserts this week.
*Ran a pile of stuff through Ziffit & boxed up £15.80's worth. Better than a poke in the eye, I suppose.
*Completed cash budget in readiness for our holiday.
Now this bit's NOT so money saving but could have been worse. Car went in for a service today. We pay into one of these service plans each month. Mr f had just got to work in the courtesy car when he had a call to say there wasn't enough money currently in our plan account to cover the service. We were really annoyed as we were upfront about our annual mileage when we bought the car & couldn't understand why we were sold that level of plan if the monthly charge (which is pretty low) is insufficient to cover necessary services. So we had to pay for this service ourselves. I was not a happy bunny, but when mr f went to collect the car & pay up, the bill was £139 & I have £170 in the Car Piggy, so it could have been worse. Will pay that straight off the CC.
Intend to sit on my bum tonight & read a pile of gifted magazines. Busy day planned tomorrow.
F x

carrielovesfanta

foxgloves wrote: »

Now this bit's NOT so money saving but could have been worse. Car went in for a service today. We pay into one of these service plans each month. Mr f had just got to work in the courtesy car when he had a call to say there wasn't enough money currently in our plan account to cover the service. We were really annoyed as we were upfront about our annual mileage when we bought the car & couldn't understand why we were sold that level of plan if the monthly charge (which is pretty low) is insufficient to cover necessary services. So we had to pay for this service ourselves. I was not a happy bunny, but when mr f went to collect the car & pay up, the bill was £139 & I have £170 in the Car Piggy, so it could have been worse. Will pay that straight off the CC.
F x

I feel for you. We have the MOT and service tomorrow. There's £430 in the car kitty. I hope this will cover it, but the car is old and in heavy use so I don't know how much work might need doing. OH is always reluctant to take the car to a garage. His opinion is that it should go once a year and all niggles and issues are to be saved up for then... well we already know we need a new wing mirror!