Wednesday 4/3/09 What small dfw things have you done today???
sophiesmum_2
Posts: 4,965 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 charging your phone up at work instead of at home to save your electricity, 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.:D
Today i will:
Good morning lovely dfw's, Hi to all the regular posters and welcome to any newbies .
Sending lovely hugs to any poorly or fed up people, hope you feel better soon.
Will be like a displaced person today at work - have my line manager coming for an appraisal and don't even have an office to use thanks to the redecorating. Should be fun climbing over the stacks of filing cabinets etc to find things she asks for:eek: Can't wait until the decorators have fnished this scheme 6 weeks of it so far and still more to come:eek: :eek:
Catch you all later xxx
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 charging your phone up at work instead of at home to save your electricity, 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.:D
Today i will:
- check online banking -
- update spreadsheets
- move some money to savings
- make a loaf in breadmaker
- storecupboard lunch and tea
- laundry hokey cokey for OH
- ironing for me
- reduce, reuse,recycle one thing
- swim and jacuzzi to use gym membership
- aim for no spend day
- clean one room so no housework at weekend
- plant some more seeds
- sparkle a lot
- use lots of smilies to cheer me up:D
- try not to murder any decorators/painters
Good morning lovely dfw's, Hi to all the regular posters and welcome to any newbies .
Sending lovely hugs to any poorly or fed up people, hope you feel better soon.
Will be like a displaced person today at work - have my line manager coming for an appraisal and don't even have an office to use thanks to the redecorating. Should be fun climbing over the stacks of filing cabinets etc to find things she asks for:eek: Can't wait until the decorators have fnished this scheme 6 weeks of it so far and still more to come:eek: :eek:
Catch you all later xxx
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Comments
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Hi,
Thanks for posting this so early - it means I can list my things before I start work. Today I have/will.....
Investigated how much JSA is and looked into courses that I could use to get a better job
Registered with another agency
Received a failure email for an email I sent on Friday which contained my CV :mad: - I have now re-sent it, and will call up later to make sure that it got delivered
Woke up at 3am worrying about not having a job :eek:
Made a plan of action for Monday (this involves.....a lie in going to town to sign on :rolleyes: :eek: :mad: and going for a swim to use gym membership as I can not use the gym due to injury :rolleyes: )
Talk hubby into buying lunch (I know I was up at 3, but I have not made lunch...how lazy am I?)
Get hubby to drop me off in town and wait for me while I pick up the textbook that I ordered (it will be returned as I got a free one from college last night!)
Have an early night
Have a great day everyone,
Candy xxxDebts at the start of my journey - about £23,000 lightbulb moment 01.03.2007 (1st payment to CCCS)..Debt Free Date 25.06.2013 Deposit savings £17,000/£30,0000 -
Morning!
Not feeling wonderful, the Crohn's is really playing me up so didn't sleep wonderfully well:o Off to work though, can always come back if it's too sore later, but got youngest's parent's eve so want to stay (I work in same school as her!)
Anyway brief list....- check banking....ok
- transfer Quidco and Amazon money to savings account
- NSD
- Dinner from meal planner
- Heating off if poss...or on for a little bit tonight!
Have a good day everyone:DI really need to sort out a new signature!0 -
Ooh, I'm near the beginning today:D
Today I have/will:- coins in piggy
- check pigsback/quidco
- take flask to avoid vending machine
- use vouchers when food shopping
- check online banking
- read papers online
- carry on with get it done list
Pay/save £20k in 2010 £5888.75/£20,000June Mini target 0/5lbs Total 23/40Ebay profit 2010: March £207:) April £95:) May £130:) June £0 Total £432:j0 -
Morning all,
I can't believe I had to scrape ice off my car this morning. It's Spring for goodness sake! (Ever the optimist!):D
I checked my online bank this morning. While transferring money into my ISA (with another bank), I accidently typed in £410 instead of £140 and hit confirm TWICE without realising!!:eek: I'm nearly at my limit for the year, so (hopefully) £300 should bounce back within a couple of days, otherwise it'll be a blimmin' tight month.
Never do your online banking when you're half asleep. I'm off to get some strong coffee before I slip up again and apply for a loan or a mortgage. Lol!
xPlease continue to hold the line. Your call is very important to us and will be answered by next available robot...0 -
Today for me ......
done free scratchies (2 x 10p)
checked online banking - all fine
checked credit cards online - fine
paid £11 to credit card
checked for any interesting freebies
will pack up the book sold on Amazon
collect son's Xbox (!) from post office
take son to hospital
make slow cooker pork casserole for tea
complete spending diary
try and get some stitching done
check up on the few things i have for sale on ebay
dry washing on airer
fix up the composting bin that i have been given - YAY !
That's all folks !
Have a good dayAiming to be debt-free, and have my degree, by 50 ! :j0 -
wow
busy today -or I am just late
just taken delivery of my new lawn mower - not really that exciting but the reaosn why I am late.
Today
Check bank I should have been paid woo hoo
Pay rent
Move DD's if I get a mo - if not then will move them later in week
Lasagne made for tea make garlic bread later
Lodger room done
More seeds to soak on windowsill
Dogs in car to walk at lunch
Brekki at desk
Work hard
Library if I get a mo (prob not today)
DS laundry needs hanging up
Chookie fed later on
Replace bird seed
thats it for me today - will check in later on xxTotal debt 26/4/18 <£1925 we were getting there. :beer:
Total debt as of 28/4/19 £7867.38:eek:
minus 112.06 = £7755.32:money:
:money:Sleeves up folks.:money:0 -
Morning All :hello: Thanks SM :A
Feeling a bit pants today - the grey woolly socks are back and match my mood
But today I have/will:- been to the gym to use my membership, and their hot water & soap
- brought in lunch - I made a sort of pies/pasty following a Jamie Oliver recipe I'd "remembered" from the magazine I'd read at the hairdressers....it's not very nice so I'm not inflicting it on the lodger, and it'll be lunch for the next week :rotfl:
- will cancel Audible :mad: to forgetting
- will chase up Popeyes money which was paid by BACS instead of CHAPS - hopefully they'll bear the cost of the charges I'm about to get.
- scratch'n'click
But I'm missing Popeye and things keep going wrong (DS1 left the back gate unlocked and now it has been damaged in the wind etc etc etc)0 -
Folks
Back on today after a break for holidays and extreme work commitments.
I enjoyed a break away courtesy of Ryanair but only because I had to tread a long hard road to get debt free and arrive at the situation where we can afford breaks.
Visiting this thread makes me repeat daily the mantra that I am not going to slip into debt and I am going to take care of all things financial EVERY day.
Rant over.
Today I will
Check online bank and savings balances.
I am travelling by bus to save over £10 on fuel. Bus Pass gives me free travel
Claim fuel expenses for February ( around £60)
Made sandwiches for lunch. I have as a treat, sweets gathered for free at the Cologne Carneval procession.
No spend day.
No newspaper purchase. I can read them free online.
Have a walk at lunchtime and do some window shopping.
Make soup tonight.
Reclaim £67 overpaid to BT on Direct Debit. ( I recently cancelled home broadband because I don't need it since local library is so convenient)
All in all a day I am feeling good about things.
Hope you all write down the positives and keep going.0 -
Morning all,
Went to see a my co-mentor (we mentor each other) and have come up with some plans of action for the next few months to help us both get out of our job ruts!
Milly - sorry to hear your Chrons is playing up. My cousin has something similar and I know how hard it can be.
Candy - sorry to hear you were up so early.
Not too much DFW stuff today but here is my list:- Send co-mentor links as promised
- Brought snacks but need to buy lunch at work (I get to enjoy the time with my colleagues too!)
- Call insurance broker to ask questions
- Decide on a policy and confirm
- Call best friend and enjoy free minutes
- Final reading of chapter
- Collate presentation for course
- List 5 books on Amazon
urg x x
p.s. look at my signature. I hit 25% of my CC debt WOO HOO0 -
Morning guys,
Today I have/will:
*check online banking-quidco £6 has gone in :j
*update spreadsheet
*do 2 mystery shops, one involves a food shop :money:
*check for onlne surveys
*daily scratchcard- 10p :cool:
*store cupboard lunch + dinner
Candy- its pants losing your job, but keep looking, have u thought about mystery shops to boast ur income??
I have a meeting today at DS school, they have threatened to exclude him- hes 6 years old :mad:
Have a good day everyone
Lilly XDebt free date 23rd march 2009 🥳Autism is my super power 🏳️🌈 🌈✨0
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