What small DFW things will you do this w/c 30/03

ziggy2407

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 😁

ziggy2407

Happy new week everyone

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 plans:

Stay Positive and count my blessings - 
Check Bank & made PAD - Done
Speak to mum - Done, will speak again later
Order Prescriptions - 
Exercise - 
Swagbucks - 
Craft - 
Purge a few emails - 
Enter a few comps -
All meals from cupboards/fridge/freezer - 
Check: Lucky Bob, PMP, WinaDinner - 
Read Library Book - 

Have a great day!

C x

1LuckyLady

Morning Ziggy and thanks for this weeks thread.  
Morning all who follow. 
Todays list
* all meals from stores,
* check banking,  its payday and bonus day which made dh smile as with the way the country is he wouldn't have been surprised if the company had deferred payment
* ring my parents for a chat - calls free between us as we're both on talktalk
* share bathwater later
* make sure everyone has jumpers etc on before any heating gets switched on
* check fridge make sure nothing is going to waste (no need to check the fruit bowl as we are down to one apple!)

Thats my starter,  take care all. 

guitarnutt

Hi...I need some advice. If I set up a DMP will it affect my mortgage? My current fixed rate deal runs out next year and I’ll be looking for another...any thoughts?

PurpleFairy26

guitarnutt said:

Hi...I need some advice. If I set up a DMP will it affect my mortgage? My current fixed rate deal runs out next year and I’ll be looking for another...any thoughts?

You might be better posting a new thread just for this topic so you get the best advice. 

TryingAgain2022

Hi everyone. This week I will Check banks, though most payments don't go til 2nd and the last main one on 9th.Not go anywhere Try harder at work. My concentration is shot but I want to keep this job as they've treated me well. Also concentrating keeps the anxiety at bay.Continue to make all meals from stores. No other choice now!Check that my old sub is cancelled. Not heard back from them yetRead books I already ownWalk the dogTry and do a bit more around the house. I'm nobody's houseproud person but I've been worse than usual lately just stress I think.Speaking of. My main priority is staying level. I've had panic attacks this week for the first time in a while and I know it's triggered by stress. So, Headspace, taking naps and eating my vitamins is important. Sunshine and fresh air too if only in the garden for 10 minutes. making lists helps like these little to-do goal lists!
That's it. Priority right now is safety. Lucky to have my wonderful DH and DD who is even now bringing me a cup of filter coffee.
Stay safe everyone. If you're a fellow anxiety sufferer and want to reach out feel free. I have literally written the book.

-TryingAgain2022

PurpleFairy26

Afternoon all

thanks for starting us off Ziggy

hope everyone is ok. My list today: 
roast dinner that we deferred from yesterday
amend online shopping order 
quick vacuum through
check banking
reconcile just for points cc 
knitting 
baking with smalls 

have a good day all purps. 

Happy_Kitties

Many thanks for starting us off Ziggy
-banking all checked, everything okay
-must put ironing away I did yesterday (I surprised myself that I knew what the iron looked like )!
-it was so cold this morning. Froze my bits off waiting outside the chemist, but once it opened I got everything I needed so was very happy but there was such a long queue behind me by the time I left.
-food from stores today
-must do some paperwork and have been recommended some online courses I could do.
-need to run the hoover over. 
-have unpacked everything that has arrived from Amazon. It's just a shame I cant put some of the things in the normal animal charity collection point at the minute
That's about it from me. I'm sure there is more.
Take care TryingAgain sending hugs

carrielovesfanta

Afternoon folks

@allydowd - thinking of you. I hope you feel better soon

Also thinking of our regulars who aren't about at the moment. 

Sorry for not posting at the end of last week. @TryingAgain2022 - I feel like you were in my brain when you wrote your post. I am really struggling to focus on anything. Even nice things that I'd like to do.

So yesterday while making lunch, my brain had a sudden flash of inspiration re the water coming up through the floor and I checked the stop-male-chicken (I'm pretty sure that MSE censors the word c0ck ). Obviously it had been turned on and off a few times recently with the boiler being replaced. Sure enough it was letting forth water on a very fast drip. More than enough to be travelling through the concrete floor and making a problem! This did mean that unfortuantely a plumber had to come out but I kept over 2m from him and bleached down all the kitchen and door after he'd gone. You can't do much more than that.

So today's small things:
B/L/D from stores. - done
Heating on 17 to keep a background warmth - done
Go for a short walk after work - not done
Working today luckily - done
OH has texted his pupils that didn't reply to him again. Only one has decided not to continue with the Skype lessons. Mostly because they wanted to use WhatsApp (which didn't work very well) as they didn't have Skype. I'm not entirely sure what was stopping them from downloading it, but hey ho! - done
Crochet - done

Have a good one all

clf x

ditty1234

guitarnutt said:

Hi...I need some advice. If I set up a DMP will it affect my mortgage? My current fixed rate deal runs out next year and I’ll be looking for another...any thoughts?

Hi Guitarnutt - I should think that that is a yes, but you could ask questions on the https://forums.moneysavingexpert.com/discussion/5897083/dmp-mutual-support-thread-part-13#latest
Thread. Good luck.

Baileys_Babe

@ziggy2407 thank you for starting this week's thread 😇

I hope you are all okay and keeping well @determined_new_ms I hope you are okay.

Today I have:
NSD
B/L/D from stores
Phone conversation with my sister, free giffgaff to giffgaff
Also, giffgaff to giffgaff with my parents
Free video call with my nieces on WhatsApp
Pmp etc
Home educated children for free
Printed the next 10 weeks of ds' maths on free paper from RM survey
Stuck with the meal plan

We are still trying to get into a good routine. OH is doing well, it's just myself and the children that need to be making adjustments.

A good thing today was once OH finished work we all got together and played a board game.

Then we cooked dinner.