Thursday 29th December - What Small DFW Things Will You Do Today??!!
Options
determined_new_ms
Posts: 7,825 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 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
Morning :wave: happy Thursday for those of you working, I hope its a peaceful & speedy day!
I'm off to a spa with one of my friends today :T (voucher bought in Nov off of lastminute sale) and am having either a massage or a facial - they couldn't do 2 massages so need to thrash it out with my friend!- paid for with money oh owes me for xmas :T
other than that
ok I think thats all I have to do. Happy Thursday guys
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
Morning :wave: happy Thursday for those of you working, I hope its a peaceful & speedy day!
I'm off to a spa with one of my friends today :T (voucher bought in Nov off of lastminute sale) and am having either a massage or a facial - they couldn't do 2 massages so need to thrash it out with my friend!- paid for with money oh owes me for xmas :T
other than that
- checked banking x2
- make butternut squash soup for us before we go
- go through fridge/cupboard ensure what needs using up is used!
- brekkie, lunch & dinner from stores - dinner is enchilladas using LO beef from boxing day & reduced torillas mmmmm
- check tyre pressure if I'm driving
- other than massage & a drink spend no other money (I have £28 in my purse and am determined that this should last me into the new year!)
- return library book & renew others
- call CB re payment not going in this month...
- collect post from old house
ok I think thats all I have to do. Happy Thursday guys
DF as at 30/12/16
Womblng 2020:
NSD Jan 2/18 YTD: 2
Womblng 2020:
NSD Jan 2/18 YTD: 2
0
Comments
-
morning determined
today is my last day off grr
i spent tuesday doing my yearly budget omg!!!
it was a big eye opener thinking of doing some full and final payments has any one done this would love to here the highs and lows
todays todo
a little shopping
loads ironing
vist mum and dad
drop rota in at work
check the car
alittle chill time lol
have a great day xxxxdebt total £71k AGE 47 TRY TO BE DEBT FREE BY 500 -
Morning all!
Hope you have a lovely spa day Determined! Enjoy yourself!
I have weighed this morning and its:eek:.
Xmas is definitely over! The "new me" weight campaign starts today - no excuses! I've joined the lose 7lbs in January challenge and I'm determined to do it.
I did a freezer and cupboard stocktake last night and know what I have (loads!) - I need to work out what to do with it all now, healthy eating all the way!
So things to do today...- Work out a meal plan for the next week
- Plan an exercise regime starting today
- Write a mini shopping list for the weekend -only want to spend less than a tenner on fresh stuff only
- Do some school work
- Plan a budget for the next 2 weeks until I get paid
- Have a quick tidy round the house
- Walk the dog - although its like a monsoon outside at the moment
0 -
Morning all!
Thanks for starting the thread DNMS - enjoy your massage!
Today I will:
Check banks
Check CCs
Check TCB
Check Paypal
Check Ebay sales
Arrange pick up time with Ebay blokey
Take handbag back to Debenhams
Post too big t shirt back to seller
Add TMA dates to diary
Breakfast/lunch from stores - so enjoyed my bowl of porridge this morning rather than half a box of chocs!
Drive economically
Maybe stop by Next on way home to return some sale items
Update MS Money
Start plotting budget for next year
NSD
Think that's my lot!
Have a great day all!
KxHouse Fund: £2,800/£20,000 - 14%
0 -
Today I will be
Hanging the washing on airers rather than using the tumble drier
Checking my online banking
Rounding down the current account to the nearest £5.00 and using the loose towards my Argos account.
Making dinner from what I have in already
:):):):):)1 Sealed Pot Challenge # 1480
2 Stopped Smoking 28/08/2011
3 Joined Payment A Day Challenge 3/12/2011
4 One debt vs 100 days part 15 £579.62/ £579.62New challenge £155.73/£500
5 Pay off as much as you can in 2013 challenge!£6609.20 / £75000 -
Morning all
dnms - have a fantastic spa day. I'm sure you will.
I've got a hangover this morning. I don't drink very often, so when I do it really doesn't take me much to get very drunk and feel rubbish for the next day. I deserve it though - I was a bit wobbly on my mse determination yesterday afternoon and evening.
So far today I've:
done a load of washing and hung it on the airer
topped up the oil on the car
hoovered (I'm so sick of hoovering now)
checked bank account
planned meals from stores
done some baking with dd
I also intend to
clean the bathroom
sleep
and I really need to go to the bank but my nearest is 6 miles away so don't think I can be bothered.Ninja Saving Turtle0 -
Morning all:D first day back at work :mad:
What I wouldnt give for a spa day today, been up all night with neuropathic pain, so today will be sorting out pain medication (which will cost an arm and a lef:()
Apart from that Im in a post Crimbo Funk and I dont want to do anything, go anywhere or speak to anyone:silenced:
Roll on 2012!Sealed Pot Challenge 5 #1440
Target £5000 -
im cancelling sky
living from freezer and stock for jan
no clothes shopping this year at all as plenty in wardrobe
doing more nights this year for extra money and when im nights im sleeping in day so cant spend!!!!:A :j0 -
It definately some meal plans and a stock take me thinks. Looking for inspiration for NYE - going to friends for a shared meal. Must consult Delia and see if I can match it up to anything we already haveBe the change you want to see -with apologies to Gandhi
In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
'On the internet no one knows you are a cat'0 -
.....................................0
-
Hi
Thanks DNMS
DD1 is home from her dads today so its xmas again for her, OH has gone to pick her up - they meet half way.
DD2 is at her friends house she's been there since 11am shes having McD's now and will be home when DD2 gets back
DS is asleep - peace and quiet for me for a minute
I have cleaned the lounge and started the kitchen
I checked the bank £80 overdrawn until child benefit goes in then £40 overdrawn until the 10th Jan tax credits
Still got loads of food, planning a mexican feast tonight nachos, quesedillas and rice and non-alco cocktails of oj, cranberry and ginger ale
Loads of washing to do including myself
eat some chocolate and read another few chapters of my book
Have a good day all
NatDMP: £30,668 £3,364.02 DFD July 20240
This discussion has been closed.
Categories
- All Categories
- 343.2K Banking & Borrowing
- 250.1K Reduce Debt & Boost Income
- 449.7K Spending & Discounts
- 235.3K Work, Benefits & Business
- 608.1K Mortgages, Homes & Bills
- 173.1K Life & Family
- 247.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 15.9K Discuss & Feedback
- 15.1K Coronavirus Support Boards