Tues 15th September - 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

Good morning lovely DFWs! Hope all is well - *waves to you regulars and says come in to any new posters*:p
I wanted to stay in bed today - it was dark when the alarm went off...booooo. Have open evening at secondary for DD2 tonight, hope it doesn't go on too late!

List for today:

• check banking....ok
• daily scratchies
• packed lunches all round for school
• washing on the line
• write meal plan and shopping list
• Fingers crossed my beatiful new purple shiny laptop arrivestoday - it's with the couriers for delivery:T
• Post 2 ebay parcels (if I get them wrapped that is:rolleyes:)

Have a lovely day everyone:j

mogchops

Morning Milly, thanks for starting the thread!!

What a miserable morning here, dull, windy, grey, yuk! I think the Indian summer has finished.....:rolleyes:

Today:

- check online banking
- Quidco clicks
- packed lunches all round
- tea from freezer - sausages and home made chips
- ironing (didnt get to it yesterday :mad:)
- sort & post some letters
- Pay DDs school trip instalment (money from her savings account)

Aim for a NSD - have decided not to count my grocery shopping on a NSD, as my grocery shopping is all budgetted. But I often get bread/veg etc (within the budget) through the week, which blows the NSDs! So today will be a NSD as all I need to get is bread! Does that make sense?!

Have a good day everyone xxx

Candy0107

Morning All

Thanks for starting the thread today Millie

Hello to everyone else who posts today. Hugs to those that need them. Didn’t get a chance to post yesterday so I need to read up on it today – Hope I didn’t miss any gossip!

Today I have/will:
• Checked online banking
• Spend £3 on 2 lottery tix for Friday………just image £85 million!
• Done daily scratchcard
• Meals from storecupboards
• Enter comps online
• Have an NSD - need to buy a bus pass but it is in my budget
• While I am on the internet catch up on yesterday’s forum
• Job hunt in the local library (free papers) and on the internet (at lunchtime)
• Also I will leave work on time today – I havn’t been leaving work til 6 for most evenings for the past month or so!
• Put spare change in my coke bottle saving’s pot – I must have this filled by 2012.
• Send a job application letter off using recorded mail (there are post strikes on at the mo) which is cheaper than driving 25 miles to hand deliver it
• Try to work out how much holiday I have accrued

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

Candy xxxx

GVP_2

Morning people,

Today's plan for me;

• Make pack lunches for littluns
• Walk to school (it's not bad enough to use the car yet!)
• Check banking
• Fill up the car with petrol (been running it down to get thhe most out of my 5p off per litre tesco voucher)
• Have a NSD (petrol not included as I can reclaim that on my work expenses )
• Fill in my work expenses
• Tea from the freezer

Have fun all

KTjazz

Hi everyone,

today I have/will

- no spend day
- store cupboard meals
- check online banking
- wash clothes at 30°C
- my mum is coming round to my flat tonight to teach me how to make macaroni cheese without a packet sauce (for anyone who read my diary, this is the first time mum will have visited my flat since she left my dad in April, a mini mile-stone)
- work hard while at work
- use gym membership for yoga class
- straight to bed after yoga to save electricity

I think that's it for me.

Think me up some energy please everyone, I'm so tired today!

KT.

ZarZar1990

Morning people

Today I will

-Check online banking
-Write down on pen and paper a proper budget for Thursday when I get paid
-Have a NSD
-Do more dooyoo surveys (made £9 already! only been joined since the 11th)
-Check for surveys

starnac

morning all

the plan for today is

[STRIKE]check online banking to see if rent has been paid[/STRIKE] it hasn't :mad:
if not ring letting agents
[STRIKE]make tea[/STRIKE]
[STRIKE]supervision at work with evil supervisor[/STRIKE]
post application form
finish online application form
[STRIKE]ring nursery about place for DD in october[/STRIKE]

that's it for now i think

katylittlelady

Morning all!

Still sunny down here at the moment! But guess it won't last much longer! Have the day off but heading up to London later for DH hospital appointment with specialist so won't be getting loads done! Here is list for today:

• [STRIKE]Daily scratchcards[/STRIKE] 35p
• [STRIKE]Daily competitions[/STRIKE]
• [STRIKE]Daily lotteries[/STRIKE]
• [STRIKE]Wrap up e-bay parcels [/STRIKE]and take to post office
• [STRIKE]Try and enter writing competition - Got til 6pm[/STRIKE]
• [STRIKE]Drive economically[/STRIKE]
• Laundry HC
• Shower to save water
• [STRIKE]Use Foot Spa[/STRIKE]
• [STRIKE]Do home manicure and pedicure[/STRIKE]

That'll be all for today! Hope to get it all done!! :j
Hope everyone else has a great day! Hugs all round!

katylittlelady

oh yeah and forgot got to phone hospital admissions to see if they have a date for my sinus surgery! Haven't heard so been told to phone after a fortnight which is today!

Pippilongstocking

Morning all

Waves hello - will find choc cake recipe honest - still can't find my book!

Today
[STRIKE]Made home made pancakes for visitors staying at ours[/STRIKE] - he's just announced its his birthday tomorrow so need to think up something for tomorrow for him (muffins?)
Visitors out for tea later so don't need cook for them again!
[STRIKE]Check banks[/STRIKE]:eek::eek::eek:
[STRIKE]HC on the line [/STRIKE]
DO PASS PORT FORMS FOR KIDS (BLINKING FLASHING RED THIS ONE!!!)
[STRIKE]charge phone at work[/STRIKE]
Sort out the fridge - we have been away and the fridge is chaos
[STRIKE]Write a thank you card for the weekend away[/STRIKE]
[STRIKE]
Fingers crossed for OH who is hearing today at 10.30 if he is made redundant or not
Toes crossed
[/STRIKE]
Watch movie on the wall tonight with DS and make some popcorn (ask lodger girl as well)
Try and get passport photos sorted somehow (the machine is broken in Mr T)
Walk doggies in field
Hope that lodger money arrives soon! (Don't want to ask too often her parents are sending it from Germany)
[STRIKE]PAD to evil edna[/STRIKE]

Thats about it for me

KT well done on the Mum coming over - need to catch up on your diary

Milly - ooooooooh to shiney new laptops - what make is it again - I forget if I asked already

PS [STRIKE]Update diary![/STRIKE]

BusPass_2

Today

PAY DAY!!!!
Drove economically to work this morning..
Showered using hotel shower gel and shampoo obtained while on holiday.
Home made sandwiches for lunch
Free tea and coffee at work
Check bank balances and work out budget for the next month..
No spend day.
Overtime tonight. Don't get home until 10 but the money makes up for it.
Free biscuits tonight during overtime.
Walk in the fresh air at lunchtime. It's free and good for me.
Didn't buy a newspaper.
Used work computer to look up news.
Don't need central heating on tonight.

That's enough to be going on with.

Have a great day everyone.