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Monday 27th April "What small DFW things have you done today?" Thread

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


Good morning everyone!! :hello:

Am starting the thread today for Sophiesmum who is relaxing in a travelodge!! Hope you've had a great time honey! :dance:

Good morning to all the regulars, and Welcome to any newbies - come in, sit down, have a cuppa, its fun!! :D

Its pouring with rain here :rolleyes2 cant believe it, after the lovely weekend we've had!! Ah well, good for the garden I suppose!!

Today.....

- Check online banking
- Clicks and scratchies (20p & 25p :j)
- Washing on airer (indoors!!)
- Packed lunches all round
- Chicken casserole for tea in slow cooker
- Try & do some comps later (though time may be short)


Busy later as younger DD has Rainbows, then older DD has Brownies - end up going back & forwards about 4 times!! :rotfl:

Have a jolly spiffing day everyone, with potted paste sandwiches and lashings of ginger beer!! :D
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Comments

  • DawnW
    DawnW Posts: 7,761 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Good morning Mogchops and all who follow :j

    Pouring with rain here as well, and chilly too! I think we have been a bit spoilt with the nice weather lately!

    Today I have / will:

    Check online banking (done)

    See to animals and plants

    Go to work - loads to do as usual

    Post book sold on Amazon :T

    Pay in cheque if I get time to go into townto the bank.

    Packed lunch and HM meals

    Dogs for walk later for free exercise

    Try to stick to diet!!

    Have a nice day everyone :hello:
  • Essex-girl_2
    Essex-girl_2 Posts: 3,503 Forumite
    Morning Mogchops and all to follow

    Today -
    • Sc - 10p
    • Check online banking & reconcile all bank a/c's
    • Do loads of work in office and cashflow forcast to see what can pay off tax bill
    • Will try and line dry (looking a bit overcast at the mo)
    • Dinner from stores
    • LSD day
    • Do Tesco online shop, try and find code and keep as low as possible
    • Check ebay listings.
    • Be positive
    Have a great day :j
  • Hi all

    Back to normal here - no mroe swanky parties to go to for a while

    CHeck bank
    Go get dressed
    Charge phone at work
    Make a plan to finish my writing asap
    Meal plan for may - this worked brilliantly for April
    Try for another NSD
    Post a couple birthdya cards or write nice emails
    Put some money back into the bank from being away
    Help brother by writing reference for lease
    Washing
    PHone OH from work
    Storecupboard lunch and walk doggie
    Go work early and try and get head down and get on
    Think about planning next couple weeks work
    Book tickets for mountian biking world cup at end of May
    Look at getting the curtain thing for Darwin
    ANd not sure what else yet
    Turbo list ebay plants for sorting out finances for trip to france
    Weigh self whilst sucking in everything and standing on one foot to see if hopefullly have lost some weight..............(of course whilst naked - thankfully no one will see me)

    Cheerio the noo
    Total 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:
  • Good morning everyone!!!!!!!

    Well today I need to fit in a couple of bits didnt get round to at weekend cause ended up visiting family! Its sisters birthday so round there for dinner tonight so prob wont get all done but this is what i aim to do today:
    • Check ebay listings
    • Post ebay items old
    • daily clicks
    • work - lots to do
    • gym - in lunch break to use membership and also get back into weight training - i keep ceasing up and my gym membership is valid as it does help my health.
    • check online banking
    • pay bills
    • Start writing to cap one to claim charges back.
    • write to choice to cancel catalogue.
    Ill leave washing on airer inside today, it looks like its going to rain!!

    Have a good day!! Lets hope its productive!!
  • OliveOyl_2
    OliveOyl_2 Posts: 3,506 Forumite
    edited 27 April 2009 at 9:34AM
    Morning All :hello: Thanks Mogchops.
    It's raining here too, why did I bother watering my seedlings last night? :rotfl:


    Another week, another set of aims to do. And a 3 day weekend at the end of it :j:j (am I wishing the days away??) So today I have/will:
    • been to the gym to use membership, and have a hot shower with their toiletries :D (except their shampoo which appears to be washing up liquid :eek::rotfl:)
    • washing on at 30 - will dry on indoor airer when I pop home for lunch :D
    • bread in the bm, but as I have run out of bread flour I'm using plain flour.....if it works it'll be cheaper, I've been using part and part recently with no ill effect....
    • check out the possibility of a staff fare on the airline that Pa used to work for......could be I get one really cheap flight each year......fingers crossed it works out.
    • scratch'n'clicks
    • try and have a NSD, but I've skipped breakfast and the vending machine is calling me :o
    Have a great day everybody :D
  • bathgatebuyer
    bathgatebuyer Posts: 2,522 Forumite
    Part of the Furniture Combo Breaker
    I was a good girl and was up early enough to make some sarnies for lunch, which will save me a pound or two in the staff canteen - and by using up some bread, it means that I'm not going to end up with a loaf that goes off!
    Also walking home tonight which will save me £1.20 in bus fares;
    Ordered a friend's birthday present on ebay last night - a sushi making kit for £7 which is different but hopefully she'll love it (as she spends a fortune buying the stuff) and will save money by learnign she can make her own and not need to spend £5 a day on 3 bits of sushi.

    I do still need to list some things on ebay but I keep forgetting to do it, that and send a complaint to the FOS about how Egg ramped up everyone's interest before they sent all those letters closing accounts.
    Almost debt-free, but certainly even with the Banks!
  • urg123
    urg123 Posts: 1,997 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Morning Mogchos, the daily DFW gang and any newbies,

    Busy day today - got interviews for new people at work :j. Have lots to do - today is payday:j. Here's my list:
    • charge phone at work
    • print May budget
    • withdraw cash to pay for yoga classes and to add to envelopes
    • lunch to work
    • storecupboard dinner
    • post my grocery challenge totals - if I don't count my spends at work for food then I am under budget. But, I think that if I spend money for food at work then it should come out of the grocery budget so I am way over. Need to focus on this!
    That's it for now. Have a great day everyone.

    urg x x
  • mbaz
    mbaz Posts: 895 Forumite
    Morning all

    Today I have/will

    - check online banking
    - clicks and surveys
    - prepare for promotions work tomorrow
    - go for health assessment for new job
    - Try and sort some bank shifts
    - NSD
    - send payments to my credit cards
  • Hi all
    Quick post as should be working ( shhh.....!)
    Hope sophiesmum is having a lovely time and thanks to mogchops for stepping in.

    Big news for me is that my final loan payment went out today so am dancing and singing! :j
    Unfortunately that isn't the end of my journey but have manged to BT my CC to another 0% deal and if I stay really focused I can clear it in a year. The best thing is that, thanks to this site, I now really feel in control so I know where my money goes and when small hiccups occur ( like OH doing the shopping yesterday - 4 tins of tomatoes for £3.50+ :eek:) or even bigger ones I know I can adjust and cope.
    Usual other stuff too but so glad I can tick off one debt!

    Have a great day everyone
    Belle
    x
    Getting there...slowly! :D

    GC : must do better
    NSD: very rare

    No matter how slow I go I am lapping everyone on the couch.
  • jtr2803
    jtr2803 Posts: 3,232 Forumite
    :j Morning All!!

    Where has the sun gone? It's all doom and gloom here :rolleyes:

    Won 20p on scrathy this morning :T, just registered to bingo site and got £5 cashback (taking off £10 deposit) so not too bad, need to hit Ebay tonight

    Have a good day all :beer:

    Very happily married on 10th April 2013 :D
    Spero Meliora
    Trying to find a cure for Maldivesitis :rotfl:
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