Wednesday 29th July - What small DFW things have you done today?!

Candy0107

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

Morning All

Hello to everyone else who posts today. Hugs to those that need them

Today I have/will:
• Checked online banking
• Meals from storecupboards
• Enter comps online
• Have a NSD – I will do this!
• Look in the local papers for jobs in the local area
• Work really hard at work
• Go to the gym after work
• When I get home from the gym look for a job
• While I am on the internet catch up on yesterday’s forum

Think that is about it…..have a great day everyone

Candy xxxx

painted_lady

Its OHs birthday so today wont be over money saving I'm afraid. I got his present the other week though. He is having a sleep in too, I got up with DS at 6.30!
- give him birthday biscuits DS made for him
- give him card DS made for him
- make him a cake later
- were going to pub with a couple of friends tonight, try not to drink too much
- got to take van in for a repair, but found somewhere much cheaper than the dealer quoted
- not sure if I am getting hair done yet or if I am cancelling it due to not feeling 100% and maybe no childcare
- depends if I get my hair done if I can get any declutterring done
- pay nursery bill, they will be striking him off at this rate
- phone for my old mob number transferring onto new phone

dizzydebs27

Hey everyone,

sorry havent been on for a while but been poorly

but have some great news!

I HAVE CLEARED MY CREDIT CARD WOHOO WOHOO WOHOO!!!!!!!!

i will be debt free for approx 5 days before i put my car and home insurance back on it as its interest free until jan 10, so at least being still mse!!!

wow this feels good!!

hope everyone is ok

dizzydebs xx

slig

Congrats dizzydebs, that's brilliant!!!!

Today for me:

[STRIKE]Scratchcards: 20p[/STRIKE]
Packed lunch, home cooked dinner Even better - posh lunch out at work (paid for by them), and was so full just had a biscuit for dinner
[STRIKE]Tea party this afternoon at work including homemade cake. Yum.[/STRIKE]
[STRIKE]Check online banking (pretty sure I have spent £0 since the weekend, but it's still good to check)[/STRIKE]
Not an NSD as going to gym later, but that'll be my only spend Didn't go to gym (too tired) so NSD!
Do some writing this evening
Look out for surveys, mystery shops, comps, etc Nothing

Nicki_Sue

Morning all
Will buy Express to get my £5 shopping voucher (40p buy for £5 return!)
Checked internet banking
Survey sites
Small top up shop at the new Lidl store (with the voucher /\ )
Check freecycle (desperate for a set of drawers but better to recycle than buy!)
Banking
Thats it so far

babyhead

Morning!

Thanks for starting the thread and hello to everyone :hello:

Congrats on clearing your credit card dizzydebs :T

It's pouring with rain here today so -

1/online banking - done.
2/scratchies - done
3/work hours do later when DS in bed done a bit but will play catchup tomo
4/cleaning list DONE!!!
5/sort out my electric bill got out ready to do later done - still going to be a whopping 77 a month though...ARGH!
6/update monthly figures done what i can so far.
7/make sure i remember to get catologue money in from peoples have texted them.
8/entertain DS for free. He is very entertained so far. yep. done. OH's turn now he he
9/food from stores - yep and will be using up some chicken leftover too changed my plan but yes! done
10/carry on looking at os/gardening stuff will do later... yep
11/do comps will do later.... am doing now while i wait for tea to cook :O)
12/ring docs done

Umm...can't think of anything else today. That should be enough to keep me busy anyhow! Have a good day everyone!

Have also started planning my weekly shop for next week whilst DS has a chill out for a bit and lunch. He has been a crazy fool this morning!!!!!

A good day - and a NSD!

andrina_nightshade

Morning to everyone

Thanks to Candy for starting this morning's thread.
Well done on the credit card front, DizzyDebs!


My list for today:

• free scratchcard (10p)
• some daily clicks
• brought in packed lunch
• had to renew my train pass, so alas, not a NSD
• writing class tonight
• must phone O2 re mobile bill
• do any surveys that present themselves
• try to wrap up this project as it looks like I'll be finishing my work placement this week
• be nice to everyone and hopefully accumulate some good karma! :A (not so much as "today" thing as a long term goal to be a better person)
• update blog tonight
• proudly cross another item off my 101 in 1001 list :j

I think that's all. Have a good day everyone, and don't let this dismal weather get you down! x

debt_obsessed

Morning all,

Today is a busy one for me (work that is) but am aiming to:

1. [STRIKE]Check online banking[/STRIKE] - still in the black despite payday being on Friday :j
2. [STRIKE]Check surveys[/STRIKE]
3. [STRIKE]Post ebay items[/STRIKE]
4. Check ebay sales
5. [STRIKE]Packed lunch from home[/STRIKE]
6. Transfer change to sealed pots
7. [STRIKE]Charge phone at work[/STRIKE]
8. Dinner at my nans tonight - will bring any leftovers for lunch tomorrow!
9. [STRIKE]Spreadsheet tweeking[/STRIKE]
10. Sort out finance paperwork
11. [STRIKE]Prepare spending diary - to start on Friday when I'm paid[/STRIKE]

Have a lovely day all x

angelflower_2

morning all

shocked angel slinking in today. just done my spends updates and I have gone well over every budget I set Gonna have to tighten up as I now have approx £50 to pay car tax, dd birthday pressie, dd birthday bbq meal, petrol this week!! Think may have to take car off road for a week or so grrrr

So....identify more clearly areas of overspend (Groceries by £100 this month to £245)
- update sig
- go visit lovely boss lady and her new baby
- make regular payments online which are needed
- do letters transferring stuff to new account
- purchase this weeks electric and gas
- 2 x quick washes & line dry where weather holds
- update tesco panels survey on disinfectant am trialing
- check for freebies
- getting peace tonight as dd at friends for sleepover

catch you up later

urg123

Good morning everyone

Candy - thanks for starting the thread
Dizzydebs - that's brilliant news. The next thing to do is to re-set your budgeet so that you save a bit everymonth so that next year you won't have to rely on the CC. Well done again!

I've been really busy so don't have much time to post but I am on a day off today. Although I won't be getting much done - even relaxing, as I have an interview this afternoon! Keep it all crossed for me.

My list for today

• Read through presentation one last time and then save onto memory stick
• Print off presentation and expenses form
• Leave in good time for hte interview - I'd rather be an hour early rather than 10 mins late
• Treat myself with a short wander around central London window shopping
• Call potential lodgers who have left me a message
• See if OH wants to go out for dinner - using a voucher of course
• Treat myself to a home facial using stuff from stores
• Have a quick tidy to keep the place looking nice
• Catch up with ironing - at least enough to last the rest of the week at work.
• Washing HC

Have a great day
urg x x

poorbutrich

Morning all!
hope you don't mind me posting on your thread but it does help to focus my mind and keep me on the straight and narrow.

Today I have/will:
1. Taken sandwiches to work and ensured that OH took his too.
2. Posted cheque to bank instead of driving to town at lunchtime to pay it in
3. Chased up eBay buyer. Why bid and not pay!??
4. Transferred paypal pot into savings account
5. Will pick some blackberries at lunchtime
6. posted a couple of amazon and eBay purchases

Nice to see you all! Have a great day!