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Thursday 29th December - What Small DFW Things Will You Do Today??!!
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# 1
determined new ms
Old 29-12-2011, 8:29 AM
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Posts: 4,519
Smile Thursday 29th December - What Small DFW Things Will You Do Today??!!

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 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 (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

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
VSP- 165.34
Save 12K in 2014 2377.2.65/7000

Debt to Bank of oh Mum: 300/5000[/CENTER]

Last edited by determined new ms; 29-12-2011 at 8:38 AM.
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# 2
little pink purse
Old 29-12-2011, 9:16 AM
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Join Date: Jul 2011
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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 xxxx
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# 3
WelshWoofer
Old 29-12-2011, 10:02 AM
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Posts: 5,051
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Morning all!
Hope you have a lovely spa day Determined! Enjoy yourself!

I have weighed this morning and its.
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
Right better get up and make myself vaguely presentable.
September grocery spending - 49.13 / 120
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# 4
kjp
Old 29-12-2011, 10:36 AM
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Join Date: Jul 2011
Location: Exeter
Posts: 420
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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!

Kx
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# 5
cutestkids
Old 29-12-2011, 10:49 AM
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Posts: 1,602
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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 / 7500
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# 6
wannabee_in_credit
Old 29-12-2011, 10:57 AM
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Join Date: Dec 2011
Location: Tyne and Wear
Posts: 1,727
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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.
Hoping to be debt free in 2015
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# 7
janey183
Old 29-12-2011, 11:31 AM
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Join Date: Oct 2011
Location: Southern England
Posts: 160
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Morning all first day back at work
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
Roll on 2012!
Sealed Pot Challenge 5 #1440
Target 500
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# 8
karren
Old 29-12-2011, 11:40 AM
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Location: South Wales
Posts: 1,249
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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!!!!
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# 9
Igamogam
Old 29-12-2011, 11:46 AM
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Posts: 3,915
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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 have
Be 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'
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# 10
shebangs
Old 29-12-2011, 12:16 PM
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Join Date: Sep 2011
Posts: 291
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.....................................

Last edited by shebangs; 12-04-2012 at 9:28 AM.
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# 11
natlie
Old 29-12-2011, 12:52 PM
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Join Date: Jul 2006
Location: Wales
Posts: 1,079
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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
Nat
Debt starting (Jan 2014) = 14,461 Debt currently = 0

Save 1400 between Sep-Dec 2014 1200/1400
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# 12
lika_86
Old 29-12-2011, 1:21 PM
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Join Date: Nov 2011
Posts: 818
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I got an email this morning to say that my application for a 0% balance transfer card has been approved with a credit limit of 5,300 so when I get that through I will transfer my Barclaycard debt onto there and then I can start using the money I would have spent on paying back the Barclaycard to get rid of my Halifax overdraft which isn't too bad at the moment because I don't actually get into the interest bearing bit each month until a week before payday when my rent comes out of my account, but it would still be nice to get rid of. Once I've reduced my Halifax overdraft to 300 then all of my debt will be interest free which would be really nice and will really help me get rid of it as soon as possible.
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# 13
maidincornwall
Old 29-12-2011, 2:46 PM
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Join Date: Oct 2011
Posts: 97
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Today I have
Checked bank accounts
Taken 2 extras off our phone contract therefore saving 4.74 per month!
And Im not finished yet!
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# 14
Pernicious
Old 29-12-2011, 5:51 PM
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Join Date: Mar 2010
Posts: 1,768
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Hello everyone,

DNMS - Thanks for starting us off, enjoy your spa day you lucky thing!
Welshwoofer - I don't dare weigh myself yet...I am planning on doing a "juice detox" in January which should help me to drop 7lbs as well so good luck to us both!!
Wannabee - Hope you feel better now. I am not planning a single thing for New years day as I reckon NYE is going to be messy!
Janey - I was like that but have perked up a bit now, take some time out for yourself it really helped me.

So it was the first day back at work for me, not bad as we got to leave at 4pm instead of 5pm, which doesn't sound like much but meant I avoided traffic & had some more time to myself, which is priceless these days! I expect the same will happen tomorrow so yay

Today I have/will:-

  • Food from stores
  • Leftovers for lunch - This was so filling I think I'll have just a cheese toastie for dinner, cheap & cheerful!
  • Charge phone via pc
  • Make use of free water at work
  • Buy half price xmas cards for next year in the sale
  • Buy a better than half price diary from the works to try out Zepsgal's idea
  • Pay cheques & cash recieved at xmas into bank
  • Check for surveys
  • Enter comps
  • Check online banking - check if refund has gone through - It has
  • Get OH to transfer money owed to joint account
  • Try & keep the heating on low
  • Write email of complaint to the company who did the make up course
  • Write email of complaint to Sky
  • Check out this week's flylady thread & do something!
  • Go through wardrobe to get rid of 1 item for every new item I have bought in the sales - I want my wardrobe to only be full of items that fit & look good on me!
  • Create a meal plan for next month
  • Get organised for 2012 & start writing important dates etc into diary & calendar
  • Read Martin's email - Signed up for Krispy kreme voucher
Have a great, MSE day everyone x
Debt at Jul 12 OD: 1307.65 CC V: 2145.17 CC B: 5759.48 CC H: 3553.27 M&D: 97.00 Total: 12,862.57
Current Debt: CC T: 1200.00 Total: 1200.00
90.67% paid off, 9.33% to go...


Last edited by Pernicious; 29-12-2011 at 9:27 PM.
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# 15
niksyg
Old 29-12-2011, 6:27 PM
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Join Date: Mar 2006
Posts: 676
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Hello!

I have meal planned for the next 2 weeks using only what we have got in stock.
Checked online banking.
Been accepted for a loan to pay off car finance which is half the apr of car finance so will save over 1000 in interest.
Leftovers for dinner.
Declined an offer of going bowling to stay in and not spend.
Took advantage of a freebie graze box code.

Have a good evening all!
Trying hard to reduce our debt and live more simply.
1% Challenge No. 305: 100% of 1380 paid
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# 16
sparkley84
Old 29-12-2011, 8:11 PM
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Join Date: Dec 2011
Posts: 57
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Hello all :-)

Lots of people doing well today!

I did well - I went to Winchester to meet a friend for shopping. I parked in a residential street and walked into town to save the parking! It's about a 10 min walk so not bad. I bought nothing all afternoon and still had a good time! Hurrah :-)
18,000 loan from my parents used to pay off all credit cards and overdraft
Paying back 500 p/m starting Jan 2012
Current amount owed: 18,000 17,500, 17'000 16,500

Facing up to my debt
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# 17
little pink purse
Old 29-12-2011, 9:05 PM
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Join Date: Jul 2011
Posts: 722
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Quote:
Originally Posted by little pink purse View Post
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 xxxx
hi managed to get everything but done sadly no ironing done hehe
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# 18
determined new ms
Old 29-12-2011, 9:07 PM
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Join Date: Jan 2008
Location: South East
Posts: 4,519
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Quote:
Originally Posted by determined new ms View Post

Morning 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 (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

other than that
  • checked banking x2
  • make butternut squash soup for us before we go made pea & mint as bought some reduced mint for 32p, froze some (mint & have 2 portions of soup left
  • 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 friend drove so will do this tomorrow or Sat
  • 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!) massage was 18.75 & 2 coffees were 5.75 so the day out cost me nothing technically as oh owed me 25
  • return library book & renew others 45p fines
  • 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
wow very impressed with my efforts today! As well as the above I also:
*bought some reduced casserole beef - I will make 2 portions out of what I have and freeze when we get back
*bought some reduced mangos, milk & salad
*diverted my friend away from eating out she was dead set but I wanted to use up my leftovers! really glad I did too as dinner was delish!
*made some irish cream

I will also read martin's email & look up something to use LO sour cream tomorrow
VSP- 165.34
Save 12K in 2014 2377.2.65/7000

Debt to Bank of oh Mum: 300/5000[/CENTER]
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