What small DFW things will you do w/c 13th July

carrielovesfanta

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 😀

carrielovesfanta

Morning folks

Must start posting more regularly.

Just a quick one to start us off. Had a terrible night's sleep - just couldn't settle until gone 1am! Feels really sticky here today. Feeling a bit less stressed over the roof. Just need to get the house inspection (tomorrow) and the insurer checking the roof/damage (weds) out the way and then I can settle hopefully. At least I have a hair cut booked Weds night so that should be a nice wind down.

Small things - very important this week as we have several large (self-inflicted) expenses:
B/L/D from stores
OH going to do a thorough house clean
Check PMP
Tidy round as needed
Allotment after work to collect MORE raspberries. I am running out of freezer space. Maybe I should take up bottling. 
Bit of crochet
Probably an early night!!

Have a good one all

clf x

ziggy2407

Hi everyone

Thanks for starting us off today @carrielovesfanta

Hope everyone's well and big hugs to anyone struggling.  I too must start posting more regularly even if I don't really have much to say as I feel the days are just blurring into one.

So far:
Checked Bank & made PAD
Spoke to mum 

Later:
Ironing 
Swagbucks
Purge a few emails 
Enter a few comps
All meals from cupboards/fridge/freezer  
Check: Lucky Bob, PMP, WinaDinner 
Read or knit

Have a good day everyone.

C x 

1LuckyLady

Thanks @carrielovesfanta for this weeks thread.  
@ziggy2407 its a bit like groundhog day isn't it!  As we aren't going anywhere or doing anything I don't feel I have anything of interest to post!! 
So far I've
* updated freezer inventory
* triaged the fridge 
* triaged the fruit bowl (a couple of peaches on the turn have now been mixed with some yogurt that needed using up to make a dessert for tonight - added a little handful of seed on the top and it looks pretty in the little glasses)
* ordered repeat prescriptions online
* swapped some lamps around to change the look of our bedroom
* homeschooling (last week yay!)
* printed off a returns label for something dh bought from the rainforest people and took to the post office 
* rm surveys done and another survey (not bothering with other survey sites anymore)

Still to do
* cheese and onion toasties for lunch as the bread isn't feeling very fresh
* prep veg for chicken dinner tonight (leftover mash in the fridge too to use up)
* check banking
* annual survey (this needs doing before the 28th so may appear on my to do list for a while yet!)
Take care all. 

ditty1234

Have a lovely week everybody I am busy tidying up loose ends today and probably going for a bit of a bike ride n a bit. Nothing dramatic.

TryingAgain2022

Hello all
This week:

• pay surprisingly large amount for car repair. -DONE. Used money from the joint account to avoid putting anything on CC. Still 100% avoided adding to debt in 2020 :-)
• avoid doing any shopping as I have overspent this month on various things eg kid clothes and engagement gift, plus takeout!
• free exercise walking the dog and pottering in the garden
• meals from stores 
• allowing myself a couple of takeout coffees in the car as it's part of my plan to stay sane
• book a holiday, again. Third time lucky (first two unsuitable on closer inspection. Free cancellation is the charm.)
• continue mission to make the house look more like other people's :-D  You know, those houses where you can see the floor.

That's it. Feeling a bit better but then not bc my back is twingeing again - not pain just weird twisting/tight feeling between shoulder blades. Had it before and the radiator helped, will be sitting with back against radiator as soon as work is over.
-TA2022

DawnW

Afternoon all

Thanks for starting us off CLF

I know what you all mean about every day being the same and there not being much new to say  

OH took it into our heads this morning to start a garden project - our front garden was just gravel laid on top of thick black plastic which was there when we bought the house, with lots of pots and tubs so that I could have some flowers. We moved the gravel area by area (small areas, it is only a small space, a traditional terraced house front garden with a hedge and a wrought iron gate, but heavy work for old things like us) and pulled out the horrid plastic, loosened the soil which is very compacted, and started to plant some of the residents of the pots into the soil. I had to go out to help a friend out for a while this afternoon, so we will have to finish it tomorrow. We will reuse the gravel as a mulch around the plants to help keep the weeds down. I think it will be much better when it is finished, though a mess at the moment. Managed to get the plastic sheeting into the rubbish bin which is due to be collected tomorrow though, so that is a win! And nothing spent on this project so far, either

What with all this, I haven't managed to do much else:

Walked dog first thing as usual

RM surveys stuff

Watered in the things I planted in the front garden, plus the pots that still have plants in

Got sourdough starter out of the fridge and fed it, ready to bake tomorrow

Cleaned a small bbq that we don't use for DS's camper van

Resorted to fish fingers and oven chips for dinner

Hopefully we will get the front garden stuff finished tomorrow, and get back to doing all the 'normal' things that are piling up around me!

Baileys_Babe

Thank you for starting this weeks thread @carrielovesfanta

The days are blurring into one another.

Today we:
Made bread
Made porridge
Made a batch of waffle batter
Dd made a chocolate cake and filled it with cream, yummy
Home educated the children
RM survey
Correctly delivered survey
Long-term survey
Pmp etc
B/L/D from stores
Updated the freezer inventory 
Continued operation email  accounts

PurpleFairy26

Morning folks. Thanks for starting us if CLF 

sorry I’ve been awol. Like others, not much to say combined with trying to spend less time online has meant a bit of an absence. We did eat our first homegrown courgette yesterday which was yummy!

Things to do today:
check banking
double check tax return and submit 
check DH tax return and submit
have a small dance if I achieve the above submissions as it will be the earliest I’ve ever done that! 

Do a meal plan, have one of sorts but need to change it up and include lunches given we’re here for another 6 weeks! 

Update freezer inventory
sort out some returns
double check an account, they send me a £10 goodwill credit for something which they actually debited so I was £20 worse off! The first person I spoke to said it wasn’t an issue and was correct but the second person I spoke to agreed it was wrong. They have applied a £20 credit but the balance is still not what I was expecting- how can it be this hard! 

 Stay off social media. It seems most (not all) people posting seem to think lockdown has completed ended and any number of contacts at any distance is acceptable🧐😕
bake something for snacks

have a good day all. Purps. 

carrielovesfanta

Morning folks

@PurpleFairy26 - I know what you mean about the lack of distancing. I just feel sad that I'm following the distancing and having all the associated missing out while others seem to have a devil-may-care attitude and will likely get away with it. I saw two of my ex-colleagues briefly yesterday as they are working for another company who have dealings with ours and they were dropping off a piece of equipment. One of them in particular was like a big brother to me for the past 11 years and it was awful not being able to give him a big bear hug. It made me want to cry actually! 

Today is NOT an mse day. OH is going for 6 hours of tattooing. To the tune of £450. This has been booked for over 6 months and it was just lucky that it happens to be just after they are allowed to reopen! OH was going to be saving up himself from his pocket money although obviously with everything going on, it's not been possible. He did offer to cancel it but I thought oh to hell with it and we're using our "holiday" fund as we won't be having one for a long time!

Other than that, house inspection today but I'm feeling about as ok as I can be with it. I'm planning on a jaunt up to the allotment later. I don't think OH will come cos as he'll be sore and tired from being stabbed for 6 hours. I find it funny that he can (just about) cope with that but if I nip one tiny spot, he goes down like he's been shot. Wuss.

Actual mse things, the usual:
B/L/D from stores
Walk part of the way home (saves petrol)
Check PMP
Washing drying outside - done
OH out all day so not using elec/gas - done
OH using home made masks from fabric stash - done

Have a good one all

clf x

ziggy2407

Hi everyone

We have a little bit of sunshine, long may it last.  So far:
Checked Bank & made PAD
Short walk 
Spoke to mum 

Later:
Ironing (definitely today)
Swagbucks
RM Correctly Delivered
Purge a few emails 
Enter a few comps
All meals from cupboards/fridge/freezer  
Check: Lucky Bob, PMP, WinaDinner 
Read or knit

Have a good day everyone.

C x