Thursday 11th june - what small DFW things have you done today??

pixiechick99

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.

Hello everyone....hope SM doesn't mind me being impatient and getting the thread going;)

Lovely and sunny here again today, at last:D

My excitement at getting onto the degree course has now disappeared - i rang Student Finance and as I studied for 2 years when I was young (dropping out before getting the degree), the lady said I probably wont recieve funding for 1 year of this new course, not even the tuition fee loan (£3225:eek:). I don't feel I can ask my dad to contribute that much.....so will have to see. I'm not happy, all comes down to money:mad:

Anyway, must get my list on:

• check banking - moved TCs to spending account
• daily scratch
• lunches to work for all 3 of us
• walk to work
• post toy sold on Amazon
• Asda shopping is coming tonight - loads of food:rotfl:
• Meal from plan - southern fried chicken and mash I think
• attempt to finish my student finance application online...if the system will let me

That's all I think....have a fabby day everyone...just think, Friday tomorrow:beer:

pixiechick99

But one thing has cheered me up this morning - had an email from Southern Electric as I've changed supplier and left them - they owe me £118:D:D

DawnW

Morning all :j

Just posting quickly before I disappear off to work - long, boring and probably pointless meeting today which will stop me getting on with all the rest of it :rolleyes:

Still, I do think that by the end of this week I should start to see some light at the end of the tunnel :j

Milly - good luck with your funding application. Do the course if you possibly can, as you are obviously passionate about it, and it may bring a chance of a better salary and more security for you and your children in the future. Perhaps if you cannot get funding you could ask your Dad to lend you the money until you qualify, if you don't feel you could accept it as a gift? If he has offered to help, do try to take him up on it. You mentioned that you haven't seen him for a long time - perhaps he is wanting to build bridges.

Anyway, short list for me today (but you should see my work list :eek:)

check online banking (done)

see to animals and plants (morning shift done)

Leftovers for supper

Have a nice day everyone - must dash :hello:

andrina_nightshade

Good morning to Milly and DawnW, and all who follow

Milly - sorry to hear about your funding trouble. The whole system is farcical IMHO - there's just no consistency across the board. :mad:

Today I have/will:

• starting placement early this monring as have a shift at the "other place" tonight. :rolleyes:
• scratchcard - 10p
• awaiting a deilvery of a Graze snack box (free trial) plus brought in some pasta from home, so a NSD
• daily clicks
• posted an old ink cartidge to Tesco recycling for Clubcard points
• doing any surveys that come my way

Have a good day everyone x

mogchops

Morning all,

Been skulking for a couple of days, as been very down, trying to pull myself back up so what better way to do it than post here!

Milly - I read yesterdays thread & thought "yessss!!" Fabulous news - then got to the bit about the funding!! :mad: I really hope you can sort something out, got everything crossed for you!

Sophiesmum - :eek::eek: at the car accident, must have been terrifying, am so glad that you are ok xx

Today......

- Check online banking (empty void :rotfl:)
- Click & scratch
- Washing hokey cokey (sunny at the mo so should get it on the line)
- Tea from freezer
- Sort & file paperwork
- Start meal plan & shopping list for next week
- Sort drawers & get rid of clothes no longer needed

Not going to work today, phoned in sick, my head is just all over the place, I know its stress, and I am trying to deal with it, DH is being wonderful, dont know what I'd do without him!

Pippilongstocking

SM hope is all ok?????

List for me today

Work lots
Check bank
Work out food for next week - dont want to shop except for fruit + veg
Paper day might read it at work
Charge phone at work
Lunch from cupboards
Must phone garage

babyhead

Hello all. Hope everyone is ok.

Shame about the funding issue - hope you get it sorted.

I spent most of the day yesterday sulking about disability things. I wont bore you with the details but I have decided im not going to put up with it any more and so will be writing to my MP. Although that means it is another thing I have to do but I'll have plenty of time tomorrow to do it...:rolleyes:

And I was tired yesterday went to bed at 6pm and actually slept untill 7am :eek:

Anyway - feeling less sulky today and have LOTS to do so here goes list -

1/work hours
2/cleaning list!
3/online banking - done
4/scratchies - done
5/get things ready for tomorrows trip
6/tea at parents tonight
7/get online shop done
8/pay rent and littlewoods - done
9/update spreadsheets etc
10/try and get tax creds to understand that i don't work 14 hrs and earn 31k.... lol i wish !

cant think of anything else... have a good day everyone ! xx

WelshWoofer

Morning all!
Bit fed up myself today too.... must be something in the air (or rain here in Manc).

Anyway, today's efforts will be...

• Breakfast at home
• Brought lunch to work - not very appetizing but free I suppose
• Jacket spud and beans for tea to use things up
• Walk dog for free exercise
• Force myself to go swimming tonight (wasn't strict enough with myself yesterday)
• check banks
• move £200 to current account to pay car deposit
• look for cheap home insurance (maybe with cashback)
• do some work
• try to write a shopping list for the weekend - didn't manage this yesterday
• write a list of all the things I need to spend money on in the next few months before I give up work and try to magic up the cash to pay for them!

That's it for today - have a good one!

Pips_Mum

millyscarlett wrote: »

I'm not happy, all comes down to money:mad:

Its so very frustrating isnt it? Both myself and OH are in the same boat we both have courses we want to finish but in total to do both it would be over £5000:eek: and unless I find that secret money tree, it just aint going to happen!

So my list for today:

• Have my yummy homemade jam on toast for brekkie.
• Walk into town
• Buy a little present to post to a friend
• Buy 3 photo frames as cheaply as I can.
• Dinner at a friends for the 3 of us tonight, no cooking or washing up :T
• Check online banking, TCs gone in :T
• Continue knitting my squares/baby hats
• Shopping list for Mr Ms tomorrow

Gosh I am rubbish at lsting things at the minute, my head just seems to empty when I sit down to type!

Anyway Hugs for all of you having bleugh days x x x

Norton_Blade

I'm having a GRRR day. I'll endeavour not to turn this into a rant but it'll be hard.

My list today:

• Log line issue with BT.
  
  Don't know if you saw on the news this morning but Sheffield was pretty flooded yesterday in quite a bad storm. It hit something near my house on the top of a hill and it felt like an earthquake.
  
  The storms have now gone and taken the service at our telephone exchange with it... only, the feedback on the line caused my phone to ring intermittently from around quarter past midnight until I could be bothered to get out of bed and go and unplug the thing.
  
  So no phone or internet (until tomorrow they reckon) and interrupted sleep last night :mad: Doubt I'll get a refund because an outage due to storms will be a "force majeure"... the rain was pretty biblical.
  
  My ISP actually got in touch with me to tell me there was a problem at the exchange. Impressive customer service. BT usually deny all knowledge until they tell you they've fixed it!
• Check online banking. I've made Rpoints pay my 14p out because I don't really go on there any more. Added that to the virtual sealed pot. Everything else is where it should be.
• Storecupboard meals. Put some storecupboard wine in the fridge for tomorrow... I need it after this week.
• Order repeat prescription online.
• Request PAC code from Orange for the simple reason: I hate Mariella Frostrop's voice when I have to ring their customer services. I really am that irritable that it will make me change provider.
• Charge everything at work and do everything I need to do on the internet before I go home.
• I've got some change I've been meaning to put in my sealed pot for a while but keep forgetting. Will do that today.
• Should be a NSD... unless further adverse weather means I need to buy an ark/canoe in order to get home from work.
• Surveys as they come in...

Think that should be it. I'll try and cheer up but I think the message today is "don't push me". Hope everyone is cheerier than I am!

WelshWoofer

Oh dear Norton - I hope things improve!

Just a quick positive thing to report - had a look for home insurance and managed to get some from More Than (buildings with free contents) for £168. Also did it through Quidco so I'm getting £70 back! All sorted for just less than £100!!!!:j:j:j
Paid up front too so no nasty direct debit next year to worry about.

I'm calling Nat west to see when I can cancel the direct debit with them and also the car insurance to see when that can be cancelled too! On a mission today.....