What small DFW things will you do this week 28.09.20?

determined_new_ms

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 😀

determined_new_ms

Morning thought I'd get us cracking this morning. Hope you all had a great weekend

Today I have a day off before doing my next lot of shifts tomorrow. Am intending on it mostly being joyous pursuits!

* sort out clothes for doorstep collection - it's today I should have done it before! Will do as soon as I come back from school run and just hope I'm not too late
* take dog for a walk
* do some exercise - didn't do any other than the hour walk with dog
* stick to healthy eating - lost 2lbs over the last week
* TOMM
* sewing
* try and find a ball of yarn that has gone missing to make madam some socks
* continue writing up meal plan/shopping list - need to do a big shop this week as lot of things have run out
* read and maybe board game or crafting with madam after school

Ok that will do

Baileys_Babe

Thank you @determined_new_ms for starting the thread this week ⭐

[Deleted User]

Thank you @determined_new_ms for starting the thread! 😊 
This week I'm setting myself the target of no grocery shopping 😉 I've got loads of food in the freezer and cupboards plus some hg stuff in the garden so there's no reason for me to be spending money! 

1LuckyLady

Good morning all and thank you @determined_new_ms for kicking us off this week.   Sorry to hear that you're mood is slipping,  big hugs. 
I've only just caught up on last weeks thread as over the weekend, we were busy in the garden and finishing off a couple of jobs at the rental house (needed to get stuff finished before we went into local lockdown last night)
Up and made a productive start which is always a good way to start a Monday morning I feel! 
Todays list
* cook pork joint and prep loads of veg ready for tonight
* make leek and potato soup for our lunches as its turned very cold and I have chicken stock I can use. 
* check banking, update spreadsheet
* walk to post rm survey item
* unadd survey & correctly survey this week too
* update freezer inventory
* freeze the last of some cooked chicken - had saved it for a butty at lunch but now going to have soup so will freeze for another day
* tidy fridge and fruit bowl,  make sure nothing is going to waste
* meal plan around what we have in
* a couple of surveys to do 
* maybe make a date cake 
* sort shower room cupboards out as we've been able to put it back together after last weeks destruction! 
Thats enough of a start,  take care all. 

AdsWhoAdds

Thanks @determined_new_ms for starting this week off, really enjoyed my first week last week
This week I am going to:

• Only go to the shops twice - once for a big shop, and once for a top up towards back end of the week
• Meal plan and spend less than £40 on the food shop
• Lose 3lbs because my meal plan as per above is going to be healthy
• Go to the wholesalers and bulk buy for H's packups, we spend a fortune on chocolate and lucozade and i've had enough!!!!!!
• 4/7 NSD's - two for food shops and one on pay day when i pay off debt and move money around.

Good luck everyone

alt80

Its definitely the mindset that’s got me into this mess tbf. Always sheltered my wife from ‘life’ then struggle to respect her because she doesn’t get it but too proud to say ‘no’. Know if I can’t sort the mindset out I’m always going to be chasing around paying for things I’ve already bought so ...

This week: 
1. Stick with the budget. - I have put a few things in an online shopping bag, didn’t buy, left the tab open on my computer going to leave until Friday if I still want, I’ll buy then. First time in my life I’ve not just gone straight to the checkout haha. 
2. Not spend my free time looking at cars / property rather than doing something with my family. 

3. Check yolt app everyday.
4. 4 day working week for me done an hour this morning and will do another hour later today. Yes I count that a day off. Then Tuesday - Friday aim to finish work 6.30pm. 

5. 3x workouts, 1x 5km. 6 days exercise was completely unrealistic for me lol. 

A lot of it is mindset again but my current thinking is if I can sort that the rest will follow. 

AdsWhoAdds

@alt80 I agree with you, it was hard for me to get in to the mindset but now I've got in to it it's much easier. I was the one with the spending problem (and therefore the debt) and it took me two years to understand why my OH was telling me to.... save up for something if i wanted it?? instead of putting it on a credit card?? Honestly it felt foreign what he was saying but I got there in the end. Would translating what you're trying to achieve to your wife in terms of your long term money goals, i.e we should get a hold of our finances now so we can enjoy x later help do you think? Hope you get on ok this week, I'm sure this forum will help you keep in the right mindset if you keep checking in

ziggy2407

Good Morning 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.

Thanks for starting us off today @det@determined_new_ms, hope you have a great day!

Cold but dry here, today we'd like to 

Check Bank & make PAD 
Post RM Items
RM Correctly Delivered Survey
Shopping
Upload receipts to COS/Shoppix 
Ironing 
Craft (2 projects need finishing)
Swagbucks 
Purge a few emails 
Enter a few comps 
All meals from cupboards/fridge/freezer 
Check: Lucky Bob, PMP, WinaDinner 

Have a good day everyone.

alt80

@AdsWhoAdds Still here for the mindset tbf I've been in business long enough to crunch the figures. 

Re wife - I don't know tbh I've certainly spent more than she has over the years (my penchant is cars and property hard to find a much more expensive 'hobby' lol). I've sheltered her from all of it.

DawnW

Afternoon all

Thanks for starting us off DNMS, hope you feel better this week x

No spending today as I have been in the garden for most of it, continuing with the annual autumn tidy up. Even in my little garden there is a lot to do, and I can only manage a certain amount a day due to my wretched low energy levels - v. frustrating! Anyway, got some stuff done, and there is plenty of time to do more - it is just that I am impatient and would like instant results. The compost bins are full, so hoping they drop down a bit soon, as there is loads more to go in there. I topped up one of the tomato pots with fresh compost and planted self sown violas in it   OH helped me to dig up rid of an enormous and ugly 'ornamental' grass thing that seeds itself everywhere producing more ugly triffids. I planted some mint where it came out, in poor soil with lots of rubble in it. It is at the edge of a small bed surrounded by paving, with a huge sage bush, established lavender and other herbs and self sown foxgloves (sounds weird but looks pretty, more so now the ugly grass has gone). And the bees like it

Apart from that I have:

Early morning dog walk

Checked banks and updated my (rather neglected lately) spreadsheet, and done a little bit of business paperwork

Picked up another washing up bowl full of fallen quinces. Will make some jelly this week sometime.

Repotted 2 small cacti that had outgrown their homes - may gift them to grandchildren when I see them, if they would like them.

All food from home, we had a sort of ploughman's lunch, using home grown salad things and home made chutney, and dinner will be the rest of the sausage casserole that I made yesterday