What small dfw things will you do this week beginning 07/09/20?

Pixie_Fairydust

Hi

Just wanted to say this thread really uplifts me, thank you all. I love reading about everyone's little wins! 
Pix
Xx

1LuckyLady

Alt08,  Good luck with telling your wife.
Pixie,  What a lovely post,  hope you join us
Morning all, 
Its first day back to school for ds1 today (ds2 not til Thursday)  It was hard work getting up with the alarm clock this morning! 
Anyway in the way of small things today I plan to...
* check banking/update cashbook✅
* post rm survey stuff this afternoon
* prep next weeks rm stuff✅
* all meals from stores - sandwiches for lunch and pie and mash for tea
* clean out fridge ready for tomorrows food shopping
* make sure nothing in the fruit bowl is on the turn (I ended up making a lovely nectarine, yogurt and seed dessert last night so as not to waste the nectarine)✅
* update Mr t click and collect order for tomorrow
* make ds1s packed lunch ready for tomorrow
* may get chance to touch up a bit of paint in our bedroom later✅
Thats my starter anyway!  Take care all. 

determined_new_ms

Morning guys

Hi & welcome Alt08,  Good luck with telling your wife. Just to be the little voice of reason, please think very carefully about adding your debts to your house. General advice is not to make unsecured debt secured and risk losing your home. Good luck with it all & hope you stick around for moral support

Hi & thank you Pixie! 

At the moment I have sweet relief from the tooth. There's a window between taking the pain killers and them wearing off where I feel ok. Didn't go to work today on account of the tooth. Feel a bit of a skiver but when the pin comes it's like a tidal wave and I just have to lay down until it passes. Appt at 4.30 today Devastation! I need to be referred to the sedation clinic so going to have to live with the pain & try to manage until I get an appt 

Other than that:
* made madam's lunch quickly this morning
* bedding in machine and will hang out when it finishes. Might not dry off completely as it's a grey day, if necessary will finish off on the airer over night
* TOMM - going to get cracking at 9.30
* free roast dinner for tea. will bake muffins while the oven is on (didn't get round to this yesterday) don't think I'll eat but I cooked the chicken. I'll have some soup I made yesterday
* do one of my many alterations. I think I'll downsize a dress to fit me - got given at a bootfair a couple of weeks ago  I altered a skirt I was given at the same bootfair. Justneed to finish the seams of the lining and reattach the band and now I have a perfectly fitting cute little autumn skirt  
* nip to Lidl when I'm on my way to dentist & also stop at Maccy D and pick up madam's school bag
* stick to diet - boil some eggs for mid afternoon snacks
* make madam's lunch for tomorrow. I've already starting slipping in to bad habit and the last 2 days I've made it in the morning. Need to nip that in the bud! 

That's all I need to do

carrielovesfanta

Morning folks!

@alt80 I hope it goes well. The first step is always the hardest but please stick with us on your journey
@Pixie_Fairydust hello and thank you

Been super debating about the bike plan and I'd really appreciate your thoughts on the situation. The only reason I plumped for a bike was that I thought that a second car wouldn't be affordable. I still think this is kind of the case, but there is a little car at the dealership round the corner from me with low milage for £4500. I think that something like this would be affordable, although more expensive than the bike. 
I'm debating though whether we really need the second vehicle at the moment at all. I'm only working 4 days a week at the moment and so there's only one/two days a week that getting to work is an issue. If I shift my week, it's only one day and I can WFH. Seems a silly outlay for a vehicle that isn't being used. Having said that, if I drove to work and back it would save petrol as OH wouldn't be doing the return journey.



Small things today:
B/L/D from stores
Nommed free brownie that was popped onto my desk from colleague
Bit of knitting tonight. Hope to nearly finish shawl
Assess jam jar situation which is critically low for this time of year
List book on ebay

Havea good one all

clf x

alt80

Thanks. 
@determined_new_ms I appreciate it's not great. I'm not sure I have much in the way of another option. I have done it previously remortgaging BTLs this time it'll be my own home but its the last time. The cards will be going in the bin, accounts closed and I won't buy another car for ten years.

carrielovesfanta

alt80 said:

Thanks. 
@determined_new_ms I appreciate it's not great. I'm not sure I have much in the way of another option. I have done it previously remortgaging BTLs this time it'll be my own home but its the last time. The cards will be going in the bin, accounts closed and I won't buy another car for ten years.

I think it will depend on a lot of factors. They normally say that ideally you should try not to turn unsecured debt into secured as your home is at risk. Do you work in a sector where a DMP is out of the question?

Baileys_Babe

Good morning everybody and a warm welcome to our new posters 👋 

Plans for today:
NSD ✔️
B/L/D from stores ✔️
Meal plan, our current plan runs out tomorrow evening ✔️we did a weeks plan
Write a shopping list ✔️
Reduce the chicken stock we made overnight in the slow cooker ✔️ and frozen
Dry the laundry, ideally outside if the weather allows ✔️ it was overcast but the laundry dried
Check bank accounts ✔️
Pmp etc ✔️
Home educate the children ✔️
Process the windfalls
Pick apples from the tree for lunch, delicious variety but does not store well ✔️
Create, collate and print resources for future lessons ✔️
Make some progress on my email project ✔️ only a little, but some
Update freezer inventory ✔️

This week I would like to:
Rearrange dd bedroom furniture
Make a small repair to a cupboard that has been gifted to us
Put "new" cupboard in position and fill
Rearrange kitchen shelves, this is dependant on finding the right free boxes when I go shopping
Continue processing the windfall apples

alt80

carrielovesfanta said:

alt80 said:

Thanks. 
@determined_new_ms I appreciate it's not great. I'm not sure I have much in the way of another option. I have done it previously remortgaging BTLs this time it'll be my own home but its the last time. The cards will be going in the bin, accounts closed and I won't buy another car for ten years.

I think it will depend on a lot of factors. They normally say that ideally you should try not to turn unsecured debt into secured as your home is at risk. Do you work in a sector where a DMP is out of the question?

There's a long ongoing thread about my situation a lot of people disagree this is a way forward but I've absolutely no intention of ever having another credit card again. There's another situation with some cars I've got on finance and I would like to keep the car. I will not be entering into any sort of DMP type arrangement - I don't have a reason to - nothing is in arrears / defaults.

Baileys_Babe

@alt80 the problem with remortgaging is if anything happens and you can not pay you will lose your home and that of your families if they live with you. If the house is owned by more than just yourself you will need the permission of the other interested parties before increasing your mortgage. 
A big question is, have you made changes to your lifestyle/behaviour so you are not in a position to accrue more debt? 

RelievedSheff

alt80 said:

Thanks. 
@determined_new_ms I appreciate it's not great. I'm not sure I have much in the way of another option. I have done it previously remortgaging BTLs this time it'll be my own home but its the last time. The cards will be going in the bin, accounts closed and I won't buy another car for ten years.

You have done it before and are in the same situation again. Does that not tell you something?

(i.e it is a really bad idea!)