Tuesday 19th May - What small DFW things have you done today?

mogchops

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.

Good morning all! Hello to regulars, newbies and returnees!!

Not raining here, but still windy & chilly...brrr. Helloooooooooo to Sophiesmum in sunny Malta!!

Today...

- Check online banking
- click & scratch
- post ebay sales (whoo hooo)
- packed lunches for all
- library for free reads after school
- Go to work
- Work extra half hr so can finish early on Thurs

Have a great day everyone xxxxxxxx

pixiechick99

Good morning Mogchops and all that follow....:hello:

Dry here too for now - hope it stays like it, I'm off on a school trip to the farm tomorrow and that'll NOT be fun in the rain;):D

Anyway, here's todays list...

• scratchcards
• check banking
• go to Mr T's later, with my very small list, hopefully pick up more bargains like last week;)
• charge mobile at work
• packed lunches for girls
• Not dfw - but go to pub for lunch as friend leaving to have a baby....used to go every week but I don't go any more so I think once is ok:o
• Store dinner for girls
• enter glamour comp
• try yet again to win a Galaxy book:p

Ok, that's all I can think of for now - have a lovely day everyone:D

DawnW

A bright and early start Mogchops

Milly, you have just beaten me to second place!

No rain yet, so hope for the best!

Today I have / will:

Check online banking (done)

See to animals and plants (only fed noisy demanding cat so far - still in dressing gown). Must get dressed in a minute to go down the garden to do the chickens - pink dressing gown and green wellies not a good look :eek:

Breakfast / supper from stores but not usual packed lunch today because of lunchtime meeting for work (have to buy own lunch :mad: Won't spend much, but ruins what would have been a NSD)

Leave out a product to be collected by courier to return to market research company - they will apparently leave me a £6 Boots voucher in return

Walk dogs after work for free exercise, hopefully not in the pouring rain :rolleyes:

Not a very impressive list I'm afraid - but have to work all day as well

Have a nice day everyone :hello:

Norton_Blade

Morning all. Pay day today :j

I have/will:

• Checked internet banking - done! Lovely pennies going out to savings as I type.
• Check for surveys - none yet but will do them throughout the day.
• Breakfast at home, storecupboard dinner, something that isn't takeaway for tea.
• Pay in coins at bank.
• Go to other bank and show my ID for cashback CC.
• Go to college... keep tram ticket safe to claim back on expenses.
• Don't drink too much coffee at college.
• Water from cooler at work instead of bottled. Tea and coffee from the stash.
• Charge phone and laptop at work.
• Allow myself three chunks of Dairy Milk (30 calories in each chunk! No wonder I've lost half a stone by cutting it out!)
• Keep an eye on new seedlings.
• Sparkle and that!

Have a good day everyone!

Pippilongstocking

Morning all

Today
Bank
HC and on the line
Tea out freezer
Charge phone at work if I am in long enough
Take brother to willow field and dump him there he he he hes helping me for cold hard cakes and to pay back the money he owes me.
Post office again.

Hugss to you all

Candy0107

Good Morning Everyone

Mogchops – thanks for starting the thread
Milly – enjoy your trip to the pub
Dawn – I have to disagree, pink dressing gown and green wellies are all the rage in Paris
Fay – your brother sounds lovely

****bold is done******

Today I have/will:
• Checked online banking as JSA got paid in today, so I have swept it into a higher paying account til the end of the month, then I will move it back
• Checked that I am still on track to pay all my bills at end of the month (I am expecting some Quidco cash, so I have taken that into account)
• Done my Gu puds comp – not a winner
• TAB scratchy – 25p
• Re-printed all the info for the job interview I have tomorrow
• Filled in the security questionnaire
• Need to get my passport and put it on the dining room table ready for tomorrow
• Meals from stores
• Off to make breakfast in a mo
• Enter comps online
• Need to do my ‘mock exam’ homework as I have college tonight
• Watch the biggest loser on itv player thimgamy
• Put a load of holiday washing on – sadly, not at 30 as my brothers smoke and they have cats (4 of them)
• Check fish4 for a job
• Walk to college (ran out of time yesterday so I got the bus into town)
• Resist the coffee vending machine at college and take a bottle of water from home
• Try not to stress over mock exam tonight
• Read yesterday’s what small things
• Have an early night as I need the car tomorrow so I will go to work with hubby
• Enter Sainsburys codes on their website – free shopping!
• Call CCCS as I got home to a letter saying that they can not longer support my payments…..basically, I need to delay them for another month before I can give them a budget

Think that is about it, take care everyone
Candy xxx

Pips_Mum

Morning my Luvelies!

Today I have/will:

• Go to Costco with Mum for a few bits
• Scratchees
• Post Ebay/Amazon parcels
• Friend round for a chat later rather than going out
• Storecupboard tea as per meal plan

Thats it today, ooooh thats a bit feeble isnt it!!:rotfl:

Have a nice day all x x

Karmacat

Okey dokey, what do I need to do today?

- scratchcard - 50p today! Played 10p, to keep it open. DONE
- 2 hours paid work, in the afternoon. DONE
- enter free tv comp I saw yesterday on five tv.DONE - couldn't find it.
- decide where to put all these new little plants I have. JUST HEADING OUT THERE NOW
- think about applying for a Sainsbury credit card - there's a good credit deal, with lots of nectar points or something, I think. Have to check!
- do some more decluttering, look at some of those old letters - current plan is keep the letters, throw out the easy stuff like notes.


I feel like there should be more on there! Oh:
- check online banking DONE
- keep checking mystery shop sites. DONE - where are all the mystery shops suddenly gone?

Hope everyone has a good day.

angelflower_2

morning all

adding in the left over stuff from yesterday but doubt will get it all done (espec study stuff) but have to start somewhere.
- [STRIKE]scratch[/STRIKE] 10p, 10p and played some as not done in a while
- [STRIKE]check banking[/STRIKE] tax credits in as expected
- withdraw available cash and distribute into proper pots
- plant potatos (wasnt going to do them but they have all gone to seed so might as well LOL)
- meet friend for coffee and use the coffee in the office rather than going out
- money management course tonight (last one of the set)
- send back acceptance form to Cap one (refunding some charges)
- [STRIKE]play with [/STRIKE]and walk dog
- put hormone treatment on blackberry cuttings and plant out
- put £10 of petrol in car
- vaccum lounge [STRIKE]& hall[/STRIKE]
[STRIKE]- check junk email folder as posted few notices on freecycle (both wanted and offered). Reply as need be[/STRIKE]nothing
- [STRIKE]make a PAD[/STRIKE] £5 to CAP 1
- send in ID to TAB so I can claim my winnings from them
[STRIKE]- quidco &[/STRIKE] pigsback
[STRIKE]- get new home insurance sorted[/STRIKE] sainsbury thru quidco £51 cashback & £30 voucher off food or fuel meaning cheapest quote (£60 for year)
[STRIKE]- get new dog insurance sorted[/STRIKE] sainsburys again as about the same quote wise but £40 cashback
- sort out 101 blog (finish list and update where I am)
- tidy up bedroom floor and locate all course material
- write first draft of TMA06 which was due over a month ago.
- write all the extra bits of TMA07 which was due a week ago and think about the essay part
- confirm details of next course and write away for funding
- confirm funding details for ILA
- write letter to council tax debt collectors as they keep hassling me even though am keeping up with repayments
- dust lounge
- wipe down all surfaces in kitchen [STRIKE]and bathroom[/STRIKE]
- vacumm then mop floor of kitchen [STRIKE]and bathroom[/STRIKE]
- clear inside of car
- batch cook some mashed potatoes, cool and freeze
[STRIKE]- find out about local dog show on Sat and to see how much it will cost to go [/STRIKE] cant go! Its my exam study day for Uni so have to go to that instead
- write a (small) shopping list for things needed for rest of week

also
-made small pot of potato and leek soup. Will do at least three meals inc lunch which I am really ready for now with all this work LOL
- put a couple of boxes in the attic

boopydoo

Morning all

Quick list for me today as have to get back to the books!

• checked banking- not good but nothing out of the ordinary. My week off for revising is hitting the overdraft
• scratches- 20p, must remember to do TAB when I get home, I keep getting a server error message
• breakfast at home, lunch, snacks and water with me
• quick job check

That's all- pouring again today, just the way I like it when I'm stuck in the library

WelshWoofer

Morning all!
Grey and cold up here in Manc!

Today's list will be....

• Brekkie at home
• Brought lunch and drinks to work
• Make veggie chilli for tea and use for lunch tomorrow too
• Go to fat club for weigh in - not looking forward to this as have put on weight but I have prepaid for 6 weeks so should go or will lose out, may also remotivate me!
• Walk dog for free exercise
• Pay £250 off CC
• Checked my loan - balance now officially says "NIL" !! Will start overpaying on the other one now (ex-boyfriend left me with £7k loan that I took out for him and he never repaid, about £2k left to go on it now - grrrr! Never borrow money for anyone else!!!)
• Checked banks - should be OK this month (am away in US with work for a week on expenses so that'll help)
• Put dry washing away
• Wash dressing gown - desperately needs doing - and dry indoors
• Clean downstairs loo
• Have a look at student finance now I have my place:j:j
• Count how many weeks it is until I can resign
• Put money for week long Cornwall cottage holiday in "holding" account so I don't spend it
• Pick up stuff from the registry office for wedding and send to local registrar

That's it for today
Hope everyone has a good day.