What small mse things will you do this week? 19/02

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 early start today so supping a coffee before springing into action!

* Have checked weather and it's going to be raining so will set WM to come on later on instead of now
* cooked dinner last night so just need to reheat today
* lunches ready for oh & I, madam to have school meals :money:
* going to go and wash my hair in a second and will leave to dry naturally :money:
* need to do a little bit of money shuffling before I forget what I have spent out of my personal account...
* do some form of exercise this evening
* read book and/or continue with one of my craft projects
* need to re-take photo and send to claim back £1.65 for a multi pack of crisps that was "try us for free"

Ok that'll do! Have a good day guys x

foxgloves

Morning DNMS & all who follow,
Goodness knows what I'll get done today. I've been awake since 2.30 with my lergy & got up at 4.40 to make a drink & take some paracetamol for my throat. Can't go back to bed as have workmen coming, so will tackle a modest job list in zombiefied style. Bah to lergies!
Hope to achieve something & pop back later.
F x

Lottebear

Hello everyone

- DD is off today, nothing planned so we will see how the day pans out
- Planning a few NSD days this week
- Fridge is full so no reason to eat outside of the home
- Need to pop to the post office, I have ordered a new passport and I need to return the old one.
- On a course on Friday so I need plan my route as it somewhere I have never been before.

PurpleFairy26

Morning all. Hope you get some rest later foxgloves I've checked out the bread thing at Lakeland and its on offer at 12.99. It's a sign :rotfl:

List for today:
Washing on airer as it's going to rain
Put some more in overnight as tomorrow looks brighter
Make something for tea for tomorrow as parents are having smalls
Check banking, move some money to high interest account
Meals from home, fry up from left over roast :T
Work from Home
Fill in PPI claim form, thanks for the reminder DNMS
Packed lunch for one of the smalls, free lunches for the other
Sort childcare for a day next week

Must go and see if I can do a few jobs before school run.

carrielovesfanta

Morning folks

Foxgloves - hope you feel better soon. There seems to be a nasty cold going round. One of my colleagues has phoned in sick with it and she normally would drag herself in with ebola :eek:

I'm feeling weird today... probably normal spring itchiness. I'm ready to do something different.

To start off with OH and I are doing a month's challenge before our mini break. Sensible eating, no cakes, no booze, no effing about with meals out. Caveat is that we can break the rules once a week
We only have to be good for a month so should be doable.

Couple of unexpected purchases yesterday but were required. Spotted my fave toothpaste in Poundland (normally £4 in Asda!) and a new rotary airer from Dunhelm (£9.99 instead of the £12.99 one I was eyeing in Argos). Would have just re-strung the old one but it was all broken and doesn't turn.

Mission today:

• B/L/D from stores - done
• Charge phone in work - done
• Speak to my boss about not working Saturdays - done and sorted
• OH's payday - sort budget sheet - done
• Heating off - done
• Gym at lunchtime - done
• Try to be calm and relaxed - done
• Crochet - done

Have a good one all

clf x

Baileys_Babe

Thank you DNMS for starting this weeks thread :A

We are having a few days staying with my parents. We arrived yesterday in time lunch.

This morning my parents are looking after the children so me & OH can go and look at mattresses. We need to change our bed, 15+ years old OH would like a wider bed but our stairs are only just wide enough for the size we already have, so we going to investigate zip linked mattresses.

DNMS I used to (when I worked) and both OH & BIL work a compacted week, working full time over 3 days. We have found some of the advantages for us have been:
* needing child care on less days
* more time together as a family
* quicker commute as out of rush hour
* fewer commutes
* fewer days a week needing clothing suitable for work
* fewer days a week of needing to make a packed lunch

ziggy2407

Good Morning All

DNMS - Thanks for starting us off this week
Foxgloves - Hope you feel better soon, can totally sympathise

Slinking back in after being awol for a while, it's half-term here but we dropped DS at school (5.15 :eek:) as he's gone to Italy so feels a little strange here, didn't sleep at all last night as got shocking sore throat and ear ache and generally just feel absolute c**p. Today we will:

Check Bank & made PAD - Done
Strip DS's bed -
Purge a few emails -
Enter a few comps -
Surveys -
All meals from cupboards/fridge/freezer -
Checked: Tombola Stars, Luckyphone, Luckybob, FPL -

Have a great day all.

C x

foxgloves

Ziggy - That sounds like my lergy! No symptoms at all until Friday night last thing when I had the slightest sore throat. It was a full-blown sore throat by the following morning & needed paracetamol by lunchtime! Since then, it's been like a load of razor blades down there, especially at night when it's so bad, it's waking me up. I have a few cold symptoms as well, today, so if it is going to be a cold, I wish it'd bloody well get on with it, so I can get rid of it & crack on with being ready for Spring.
Today's mse efforts haven't been immense.....have had a workman here all morning & need to go & clean up all the mud from his skip bags in a minute, but here goes with my list:
*Make bread........dough is on its 1st proving.
*Make tomorrow's packed lunch (not done yet)
*Empty washer (done) & put laundry on heated airer to dry (not done, can't get in conservatory yet as have filled it with stuff I had to move for workman to get the skip bags through) Aiming to do a quick 30 mins at 30 degrees wash as well this afternoon.
*Did mid-month budget check-in. Very useful. Paid an amount off a CC (only used it to maximise loyalty points for vouchers), updated grocery budget & reconciled it with petty cash purse (smack-on accurate to the absolute penny, go me!!), can't quite finish this until workman's boss man calls later to collect the skip bags & payment...........I based my estimate on last year's amount.
*Entered 2 prize draws.
*Did a Prolific Academic survey, which will take me up to over £30.
*Entered new water bill monthly amounts on my spreadsheet & the quick reference card which I keep tucked inside my Money Book.
*Did a couple of fund swaps to keep different budgets straight.
*Paid another 5 x 50ps into my sealed pot.
*Cancelled an annual standing order which is for a service we no longer require.
*Small change rounded up for shrapnel bowl.
*Filled up my big glass kitchen jars with dry ingredients. I love to see those all full - I know it's stuff I can make into filling cheap meals with a few additions from store cupboard, freezer or at the right time of year, our garden. I have big storage jars for brown rice, pasta shapes, porridge oats, red lentils, yellow split peas, chick peas, bulgur wheat & pudding rice & I stock them up when I see decent-size packets of stuff on offer.
*Am tracking my food intake/calories again from today as my default setting is that if I stop this, it goes up. I have caught it while I can still fit in most of my clothes, but some of them are getting tight & I have zero intention of buying new stuff in a bigger size. So the money saving impact of this, as usual, is that our food supplies will last longer.
*Postie brought us a 'My John Lewis' mailing containing two vouchers each for a free coffee & cake, so I will put those away safely until our next trip to a city centre with a JL.
*Knitting - I progressed the front of my jumper quite well yesterday as felt too woeful to do much else, so I will carry on with that tonight. Only need to knit about another 8 cms & can begin shaping the neck.
That's it for today. I think I will light the fire now (Cat will be in front of it at the speed of light!) & wait for the 2 knocks at the door I'm expecting............the other one is a parcel delivery as I have bought a Christmas present with some of my survey income & will pop it away in the Presents Box when it arrives. I shall get done big time for mentioning the C-Word in Feb, but one of the best ways to enjoy it without a big impact on finances is to buy things throughout the year & store them away. Once this parcel arrives, I shall have everything bought for my best friend....her main present was an adorable knitting kit which I spotted in the January sales at 75% off its original price. Why wouldn't anyone grab that little treasure to pop away?
OK.....kettle going on, then fire, in that order.
Love to all from Foxgloves-the-Lergyfied xx

DawnW

Afternoon all
Thanks for starting us off DNMS
Ziggy and Foxgloves, hope you are both better soon

Not a very MSE day today, as we went out to a town about an hour away, trailing round antiques shops and having lunch out Not all bad though, my entire antiques shops spend was less than £20 and most of that is to sell on, so doesn't go on my spreadsheet (goes in my business accounts instead). OH bought some bits and pieces too, but that was with his own money, and lunch was jacket potatoes, so no budgets are broken We haven't been out for ages, what with OH having been ill, and my brother being here, but OH is a lot better now, brother has a day's work today and is not back till later, so we went for it!

Apart from that:
Heating is off, as it isn't cold Will probably need to light the stove later though!
Blackening banana used up for breakfast this morning
Cut open a toiletry tube to get at the last of the contents that wouldn't squeeze out
New towels arrived from Home and Barker (not very MSE again, but they were in the sale and I got an additional discount via a voucher code) Must pop them in the washing machine in a minute.
Just sandwiches later as brother is eating at work and we had lunch out. No cooking :j

ziggy2407

foxgloves wrote: »

Ziggy - That sounds like my lergy! No symptoms at all until Friday night last thing when I had the slightest sore throat. It was a full-blown sore throat by the following morning & needed paracetamol by lunchtime! Since then, it's been like a load of razor blades down there, especially at night when it's so bad, it's waking me up. I have a few cold symptoms as well, today, so if it is going to be a cold, I wish it'd bloody well get on with it, so I can get rid of it & crack on with being ready for Spring.

Spooky - that is exactly when I started too and I just want it gone I'm due to start some more rehab/physio sessions from Friday.

*Knitting - I progressed the front of my jumper quite well yesterday as felt too woeful to do much else, so I will carry on with that tonight. Only need to knit about another 8 cms & can begin shaping the neck.

Can't wait to see a pic


Once this parcel arrives, I shall have everything bought for my best friend....her main present was an adorable knitting kit which I spotted in the January sales at 75% off its original price. Why wouldn't anyone grab that little treasure to pop away?
OK.....kettle going on, then fire, in that order.
Love to all from Foxgloves-the-Lergyfied xx

That is definitely too good an offer to miss.

Take care lovely and hope you feel better soon x