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What small DFW things will you do w/c 27th April?
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PurpleFairy26
Posts: 3,903 Forumite



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 😀
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 😀
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Morning folks. Bit of a disturbed nights sleep so got up at 6.15 and enjoyed a coffee with the cat and the bird song.My list for today:
water seedlings and fruit trees
load of washing and peg out
slow roast some turkey for sandwiches for everyone else for lunch. Will use rolls I made yesterday. Really enjoyed making it by hand rather than chucking it in BM.Round up out of fridge for lunch (Me) and dinner (salad leaves, cucumber, carrots, new potatoes)
Make the jam roly poly I didn't get round to yesterday (sorry to mention it again happy kitties) I'll send you a virtual slice 😀
check banking
school work to resume for smalls
review lockdown to do list. Did some research on one of the items yesterday, need to plan a few ideas down on paper. Will do that today.Carry on knitting sockRight off to make another coffee and get the turkey cooking and a load of washing on. Have a good day all. Purps.8 -
Morning.Im aiming to use the tumble dryer less this week so off to hang a load out as well in a moment when I get up. I only used it twice last week which is a huge decrease for us as everything get dried in the dryer as I hate washing hanging round the house.
Today’s plan is meal plan for the week and changing my bed plus a general potter between working from home and setting monkey boy off on some school work.
enjoy everyone6 -
Morning. Feeling fragile today, anxiety is massive. Various reasons I won’t go into here, but am feeling very shaky and rubbish. Already at work, so at least I will knock off early.
Today I will:
- -make dinner from scratch with lovely butchers and grocer’s stuff bought at weekend
- -post late birthday card for friend oops
- -update bullet journal wth mini to-dos and money trackers
- -walk dog in place where least likely to see anyone (bumped into conspiracy-theory neighbour yesterday and the conversation really set me off)
- -not look at ANY more news
- -go through the anxiety worksheets my therapist left me
- -water all plants
- -do a few bits of cleaning
- -do schoolwork with DD who has resisted all weekend. Am trying not to turn it into a massive nagging battle but I really want her to do the activities the teacher has set!
- -must find time to be alone and do nothing at all. Went for illicit drive yesterday, non essential travel! - just to get out of house and sort my head out. Came back feeling better. Did go anywhere, just did a big loop and came back, did not get out of car, but I find driving makes me feel a bit more normal ( I usually spend 3 hours a day in the car…)
I can’t think of anything else. Today is a day of just coping I think.
But yesterday I saw two lots of people stop to admire (I assume) the chalk rainbow and flowers I drew in my little front yard (it’s paved). So hopefully that’s cheered them up if they needed it.
-TA2022
PEAK Dec 2019: £24,273 -- NOW Virgin £2377 Markses £681 Halifax £6143 Loan £6696 Family loan £5819 TOTAL: £21,706 -- Paid off: £2308. Target: Jan 2023 LBM: monthly pay but weekly spend dohDecember 2020 target = £18212 and nothing added to CCs AND by paying an extra 20 a month on something I just knocked 8 months off my target date :-)
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Good morning thank you @PurpleFairy26
Oh dear, the sourdough ... I fed it yesterday to get it ready for a pizza dough ... lo and behold the oven have given up its spirits, not ver old but thermostat was getting a bit unpredictable. So no pizza -the young one had to make pasta w sausage, carrot, fresh tomato and spinach sauce in stead. Quite yummy, but still left me with too much sour bread starter, so what else to do than make sourdough pancakes for breakfast with the left over starter and the rest safely heading back to the fridge.
Nice but not the skinny breakfast I had planned. What can you do.
Oh btw should now get new oven, renting has some advantages.
Have almost finished decorating dining room with left overs - I have almost cleared a shelf in garage, and there is a couple of pots I am just going to throw out. And it is looking so nice and fresh still have a nook and a set of built in shelves to do ... maybe on my day off tomorrow. Am still dealing with the fall out - what to do with books, colouring stuff, kiddy old diplomas ...
SO some stuff in the bin and anyways I have now done all the rooms in my house from magnolia to white, just need to do wood work and hallway/stairs. But that will be in the summer. And it's a lot of pain £££
Have a great start to the week. I am thinking that exercise should be built into work at home a the level of inactivity is getting to me.
Isa help to buy: 1000/3000 33%
Emergency fund: 100/1000 10%
Weight loose 8.6 kg - while having fun. 0/8.6 0%
Focus debt to clear HSBC £10/1111, 0% updated May 258 -
Morning allThanks for starting the thread PurpsTryingAgain, ((hugs)) hope you feel less anxious soon. It is very hard at the momentThe sun seems to have disappeared, with rain forecast for tomorrow onwards. Oh well, it will save on the watering I suppose!So far today I have:Up mega-early and walked the dog before anyone else was about. Fed dog and feathery friends, put out recycling, did dishwasher etcChecked banks, updated spreadsheet, paid milkman online, read news online (I am limiting this!)Other plans:Pot on some young plants which have outgrown their current modules but I am not happy to put outside yet DoneHoover round downstairs, clean bathroom DoneMake a spinach pie at some point as I have a spinach mountain - there was a bag in the veg box I had delivered last week, and I picked another bagful from the garden yesterday. it will be a different recipe from usual, as A*da didn't have any filo pastry. First world problems - I will make and use shortcrust! I am thinking of making it into a kind of quiche, as it would be quite different anyway with shortcrust pastry. Will report back.
Done, made a shortcrust shell, baked it blind, added a finely chopped onion, chopped wilted spinach mixed with crumbled feta type cheese, topped off with 3 eggs and about half a pint of milk, then sprinkled with grated parmesan. Not tried it yet, but it looks and smells nice! I used the pastry trimmings to make what my kids call 'pastry thing' - roll it out, dot with little bits of butter, sprinkle middle bit with dried fruit and a little brown sugar, fold over edges of pastry to cover, seal, turn over, roll flat, score with a knife, brush with water and sprinkle a little sugar, put on a baking tray and bake in the oven at the same time as the main item.
Lunch will be cheese and salad sandwiches - or possibly soup, haven't decided yet (must get a move on) Made curried parsnip soup to use some lurking parsnipsDinner will be sausages and the rest of the mixed root mash I made a couple of days ago Done, had steamed cauliflower and onion gravy with it.Chopped up and froze a pepper that had started to go soft - cut off squishy bit first obvs.Got some chicken out of the freezer to make a big curry tomorrow. Will add lots of veg
7 -
Hi all,
Long time lurker but thought I'd finally bite the bullet and post!
I did a lot of the big debt changes last month and saw a massive difference, moved everything to three CC with 0% but will only manage to pay one of them off within the term so hopefully I'll be able to move the other two then. We're lucky at the moment, both me and my OH are being fully paid and wfh. With a significant decline in expenses (OH does over 100 miles a day usually) I'm hoping to throw more than we'd originally planned towards the balances.
Since lockdown began and not wanting to go out we have started meal planning for the week, this weeks plan involves stuff we already have so no need to go to the shops. We used to shop for the next 24 hours so this has changed big time for us!
I've checked our bank account and correlated the bills with what is on my spreadsheet to see what will be left - not a lot this month!
Going to have a cycle on my turbo trainer this evening I think.
Please send over any good tips you have!My debt free diary
https://forums.moneysavingexpert.com/discussion/6348513/large-renovation-tiny-budget-lets-go/p1?new=1
Debt: £14,896.33 @ 21/04/2020.
Down to: £4,982.12 @ 08/06/2022
Today: £9,799.529 -
Good afternoon
Today I've managed to do quite a lot on the work front although I still feel that I've got emails arriving as fast as I clear them.
I planted out the first lot of beans on Saturday into a through in the greenhouse and they seem quite happy and have grown a bit. I've now got radishes, mixed lettuce and spring onions coming up as well, although they do seem to be growing so slowly.
Oh got told last week that they're only get the £2500 maximum furlough amount this month so a further income drop. I know we're still better off than lots of other people but we might need to drop overpayments on our mortgage for a few months, I thought I would put the extra aside and then if we didn't need it later I could pay it in.
Baked another sour dough loaf today with half white bread flour and half malthouse flour and that's worked really well. I might do one with half rye for my neighbour tomorrow although I need to check if she's working first. She dropped off two bags of flour this morning from Morrisons but its to the normal package, it looks like its been weighed out at the deli counter and put into bags there.
Tryingagain, I hope you feel less anxious soon although its not easy is it in the circumstances.
Have a good rest of day
Mortgage Free 23 December 2020
Savings £9671 / £20 000 goal
Emergency Fund £216 / £1000 goal8 -
Hi everyone
@PurpleFairy26 - Thanks for starting us off this week.
Really rubbish nights sleep, think its the lack of routine and movement but today we managed
Checked Bank & made PAD
Spoke to mum (and will again later)
Removed radiator, papered hallway and re-installed radiator
Ordered prescriptions
All meals from cupboards/fridge/freezer
Checked: Lucky Bob, PMP, WinaDinner
Settling down now for the evening to either read or enter a few comps
Night all!
C x
Goodreads 2025 Challenge :16/75
Goodreads 2024 Challenge: 65/80
Goodreads 2023 Challenge: 77/526 -
Many thanks for starting us off Purps. I have to confess to coming on to check about the jam roly poly
and gratefully accept the virtual slice!
DD is going thru a real school pudding phase at the minute. Tonight it was choc sponge with choc custard. I'm going to be the size of 2 houses at this rate!
TrainingAgain i hope the anxiety starts to settle. Easier said than done in these surreal times but it is good that u are posting, brings a normality to life
Welcome rdone. It's a great thread that keeps me on the straight and narrow, even when im not posting as much as i should.
Im staying productive with paperwork, short meeting today.
Went shopping first thing so we are good for everything.
Wastage is still minimal-really pleased about this.
Banking all checked-everything good
Weather was supposed to be rain today but we've had a lovely day so line dried washing
Spag bol for tea. DD had an extra portion plus there is a big portion left for a meal for her tomorrow and a small one for me. How DD is stick thin i dont know.
Washing to put away in a minute and then im calling it a night as i keep getting up at 6am at the minute but waking up earlier.
Take care everyone x
Decluttering challenge 2023🏅⭐️⭐️⭐️⭐️
Decluttering challenge 2024 🏅🏅⭐️⭐️⭐️⭐️6 -
What are you doing to me???!!! All this talk of Jam roly poly and chocolate sponge and custard!!
Thanks @PurpleFairy26 for this weeks thread.
Welcome to new posters/lurkers, its a great thread.
Today in the way of small things...
* we've washed a load on the quick wash and hung out to dry (took a lot longer to dry then of late as it was a much cooler day)
* checked banking/updated spreadsheet - last of the dd's out today
* all meals from stores, had chicken burgers with salad for lunch and Sunday lunch leftovers for tea.
* checked tcb to see if cashback has moved to payable - no such luck
* chopped and froze a too far gone banana, froze a loaf of bread for toast
* watching "my family" on iplayer with dh, we're enjoying it and its much better for us then watching lots of news!
* went out for an hours walk with dh after tea, we had to wear coats in case of rain but stayed dry thankfully and it was good to get out for an hour.
Think thats about it, take care all
Sticking with the "Small things" thread to keep up us on the straight and narrow.
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