What small DFW things will you do w/c 27th April?
PurpleFairy26
Forumite 3.9K Posts
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 😀
6
Latest MSE News and Guides
Replies
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.
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.
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 everyone
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:
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
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.
EF 2020 - May £152/£6000 2.5%
Housing fund 2020-2023 £1800/6000 30%
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!
https://forums.moneysavingexpert.com/discussion/6348513/large-renovation-tiny-budget-lets-go/p1?new=1
Debt: £14896.33 @ 21/04/2020.
Today: £4982.12
Added £1071.26 @ 09/06/2022
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
Savings £9671 / £20 000 goal
Emergency Fund £216 / £1000 goal
@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
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
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