Tues 29th Sept - 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

Morning folks
Hope all's well today - Sophiesmum, lovely to see you back...if you'd like your thread back for you to start again, just say!!
Fay - hope the laptop comes soon, I know what the waiting's like:rotfl:

Looks like a lovely day here on it's way - cear blue skies and not that cold - so short sleeves and thin 3/4 sleeved cardi for me

Anyway, must crack on - here's today's list:

• check banking - wonder if student loan's gone in?!
• daily scratchies
• packed lunches for all 3 of us
• walk to work
• post DD2s game sold on ebay - forgot my purse yesterday;)
• no heating
• lights off when not in rooms
• meals tonight from paln - spag bol out of freezer from girls, tortellini for me with HM tomato sauce
• DD2s out on a Guide visit tonight, from 6 til 9 - so time for me to read my books that come from Amazon today and watch Holby....lovely
• Sparkle

So, have a fab day all.....

mogchops

Good morning Milly, thanks for starting the thread! And Good morning to all who come along, and HELLO to Sophiesmum!

Looks a bit cool outside at the moment, but hopefully will warm up! Will be shorts sleeves & cardy anyway!

Today:

- Check online banking (DH been paid so moved some around but left him enough to buy my birthday present :D)
- Quidco clicks
- Packed lunches all round
- hokey cokey
- Tea from freezer (mince out to make cottage pie) and friend coming round for tea
- Friend bringing some clothes for me to borrow for the weekend
- make fairy cakes (ran out of time yesterday )

thats about it, have a lovely day everyone xx

Candy0107

Morning All

Thanks for starting the thread today Milly, Mogchops – the fairy cakes sound lovely….did you want my address to post one to me?

Thanks to Katy and Dawn for asking…..I am making a pair of Linen trousers – the same type as I bought in Next for £20 but cost £12 for the material (excluding the £120 I have spent on the course and bits etc)

Hello to everyone else who posts today. Hugs to those that need them – although I think I could do with one at the moment…..
Last week I thought it was a bit strange crying at Neighbours the one after the death when all the family were reacting/wondering how they would cope (it bought back memories of my dad, who died 5 years ago in December)….then a couple of hours later I was saying how stupid I was for getting upset then it happened again :rolleyes:

And then on the way to work yesterday morning I had news that my Nan had collapsed at home (found by her carer thank goodness). I got really upset (proper crying etc, some would call hysterical) – she is in hosp and doing fine.

Anyhow, it turns out that I am hormonal….2nd kind of period in as many months – it is a bit bitter sweet I am happy that things might be settling down, but it means pain and more moodiness. Must tell hubby!

Anyhow, today I have/will:
• Checked online banking – bill day tomorrow so moved money over from savings account
• Meals from storecupboards
• Have an LSD – I need to buy a bus pass but this is budgeted for
• While I am on the internet catch up on the forum from yesterday
• Put spare change in my coke bottle saving’s pot
• Apply for any interesting jobs
• Go to college tonight and take a flask of proper coffee with us

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

Candy xxxx

urg123

HI Everyone

Not been on here for a while - hope you are alll well!

Short list for me today but things that really need doing!

Hugs to all those that need it!

• Washing Hokey Cokey
• 30 mins ironing
• Scan docs to send
• Take electricity reading for new supplier
• 30 mins exercise
• Take lunch into work
• Call potential supplier for wedding
• Call other wedding supplier with a few questions.

Have a great day everyone

urg x x

DawnW

Morning all :j

Just dashing in quick - when I should be finishing my packing! Going away for work for a couple of days - posh launch event thingy tonight and all day meeting tomorrow.

So not much MS going on, though trip is covered by work.

Anyway, I have / will:

Checked online banking :eek: - payday tomorrow thank goodness

See to animals (in a minute)

Leave instructions for OH

Finish packing - I am bound to forget something - I always do :rotfl:

Have a nice day everyone :T

lilly81

Hi Guys,

Im back on this thread as I am struggling to stay debt free!

Today I have/will:
*use bread maker I got off freecycle for the first time
*check online banking
*juggle my money around
*REMOVE CREDITCARD FROM MY WALLET
*sort out my bedroom
*call playplace to book
*sort out sending off my clubcard vouchers
*post letter to my sister
*wrap my sons birthday presents
*Vacuum my car
*daily scratch card-10p:j

Thats all i can think of today

LillyX

Pippilongstocking

Morning thanks for starting thread Milly - a waited for laptop never comes

Having watched the weather (its 7 degrees here) I won't be wearing just a cardi

[STRIKE]Check banks[/STRIKE]:rolleyes:
[STRIKE]PAD to evil enda[/STRIKE]:j almost half paid off
[STRIKE]Paid next week so make sure all is OK[/STRIKE]
[STRIKE]Check quidco and see if the IT purchases have tracked[/STRIKE]:mad: quidco not working for me today
Take some lunch in
Go to beach with dogs as its NOT raining today
Work hard
Meeting for night class to prepare some work for it (The chap I am teaching with is running it and doesnt seem to like to plan too far in advance - makes me twitchy but its his class so am breathing deeply)
[STRIKE]
Phone charger now lives at work (LOL so charge phone there)
[/STRIKE]:D
[STRIKE]Phone oil company[/STRIKE] 40.79ltr pence per litre today ordered 1000l :eek: will use between 2500-3500 over the year :eek:
Pick some tomaotes and think about tidying up in green house

Not sure what else today..........

katylittlelady

Hello everyone :hello:

I'm back after a few days of entering end of month competitions in my spare time! Definately worth it I find as often winning things and they all help the DFW challenge! On that note I have won something which I will keep for DH as a Christmas pressie! On the other note had some v depressing news yest and feeling quite blue as a result but got to stay positive so come on here for virtual hugs!

Am aiming to try and pay another £1000 off cc by Christmas alongside DH payments so am going to keep a record of that rather than the monthly challenge. Really determined to get CC we are paying off at the moment done by end of year!

• [STRIKE]Daily scratchcards[/STRIKE] - 35p
• [STRIKE]Daily competitions[/STRIKE]
• [STRIKE]Daily lotteries[/STRIKE]
• Wrap up ebay parcels to send off
• [STRIKE]Check online banking[/STRIKE]
• Any surveys available
• Off to Author event after work
• Comps ending soon
• Start getting together application for course

Think that is it for now! Have the next three days off so will do more then!

Hugs all round x x x x x

Marru

Good morning,

DD is not well so we are stuck at home. I am hoping to get lots done.

Today:
- Scratchies etc
- Lots of HC and dry outside
- Clean pigs (while they are out eating grass)
- Check online banking
- Work on cashflow
- Work on budget
- Call tax credits
- Start making file of documents to take to council
- Write letter to ESA to make official complain re bailiffs
- Call BT
- Call my agency and ask if I get sick pay ( I am working as a temp)
- Start taking gas and electricity readings again and submit to imeasure
- Plough through all my survey/cashback/free bingo account to withdraw any moneys available

Pippilongstocking

Anyone having problems with Merchants on quidco today?

I cant get any to come up............

josephine82

morning!

Today I have/will:

:starmod: ignored the need to have a coffee on the way to work, saved £2.29!
:starmod: go to the cinema tonight (bargain tuesday)
:starmod: emailed the buyers for my ebay items and requested payment
:starmod: put the money left in my account tonight after the cinema in my savings ~ £15.00 before payday tomorrow

Yay!