Friday 11th December - 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,

Friday Finally

Today I have/will:
· Checked online banking – payday, so moved cash around
· Enter comps online
· Daily scratches
· Meals from storecupboards
· Have a LSD – BOGOF offer in Starbucks today….by a coffee and pay using your preloaded card, get another coffee ‘free’ – part of their 12 days of Crimbo thing (might do this, depends on how my day goes)…look at hat’s in town but I might find my other one which I have had for years
· Washing on 30
· Read up on yesterday’s forum
· Sort out food plan for next week
· Read more of my library book
· Check on the weather and decide whether to take a coffee into work with me

Think that is about it but I am sure there is more to do, take care everyone

Candy xxxx

Lottebear

Good Morning,

Today I have or will

-Checked online banking
-Daliy cards
-Checked to see if any cash back due - Nothing ATM
-Off to the college for a Facial £12!
-Breakfast and lunch from home, meeting a friend for dinner/drinks

pixiechick99

Morning Candy....thanks for starting!!
*Waves madly* to all the rest of you who follow later....come on, get up!!:rotfl:
Nice day at school today - tis the Early Years Xmas production, (all the littlies, 4-6yr olds), so a busy morning for us, but lovely!

I'm taking girls into town later, so won't be a very MSE day, they both need some decent boots - not pretent, cheap 'ugg' type ones that let rain in at any opportunity:p
Ok, list for today:

• check banking - moved paypal money to girls accoun....their stuff I sold:o
• scratchies
• packed lunch for 2 of us, DD1 having a hot lunch
• heating on as little as poss
• think about wat else I could sell on ebay....as had a good spell recently;)
• afraid dinner tonight might be KFC....save me cooking though, time to write listd for the weekend:D
• write meal plan for next week
• write list of last few pressies to buy
• list of Xmas baking to do and ingredients to buy

Ok, that's all for me - have a fab day:T

Oooooh and wll done Rachelmk for passing the teaching practice:beer::beer:

TangledMemories_2

Morning all

I guess the only moneysaving things I've done today are: bring breakfast to work (use their electric to nuke my readybrek), bring lunch to work (leftover pasta from last night's tea) and come to work 2 hours earlier than I need to because I couldn't sleep and therefore beat rush hour traffic - hence saving fuel.

Feeling very low today....my baby bear Buddy is being put to sleep this afternoon (see post on Pets board)....he's only 7 and I'm absolutely heartbroken

Hope everyone else is well...or as well as can be expected

lolly_896

millyscarlett wrote: »

Morning Candy....thanks for starting!!
*Waves madly* to all the rest of you who follow later....come on, get up!!:rotfl:
Nice day at school today - tis the Early Years Xmas production, (all the littlies, 4-6yr olds), so a busy morning for us, but lovely!

I'm taking girls into town later, so won't be a very MSE day, they both need some decent boots - not pretent, cheap 'ugg' type ones that let rain in at any opportunity:p
Ok, list for today:

• check banking - moved paypal money to girls accoun....their stuff I sold:o
• scratchies
• packed lunch for 2 of us, DD1 having a hot lunch
• heating on as little as poss
• think about wat else I could sell on ebay....as had a good spell recently;)
• afraid dinner tonight might be KFC....save me cooking though, time to write listd for the weekend:D
• write meal plan for next week
• write list of last few pressies to buy
• list of Xmas baking to do and ingredients to buy

Ok, that's all for me - have a fab day:T

Oooooh and wll done Rachelmk for passing the teaching practice:beer::beer:

The pretend ugg boots make you walk funny! I always see people in town that look like they have problems with their feet but its those stupid boots

Anyways Good morning all thanks Candy for starting the thread

Today i really must

Take DS1 for a haircut goodness its wild
Cash postal order and post parcels
Stuff to charity bin
Bank Cheques
Buy xmas cards, write list then write cards
Wash and dry over airers no heating on
[STRIKE]Finish the ironing well start it at least![/STRIKE]
List on ebay - maybe i dont know weather to bother this side of xmas though

Pippilongstocking

Morning chaps

This is my free finger exercise to wake up my fingers!!

Today
sorted house ready to be cleaned
2x hokey cokeys in on and out
Chickens fed - lets hope no one escapes today - will check the garden properly tomorrow
Find something from the freezer for tea
Walk dog at beach - take campervan and then have lunch there?
Pick up car in for MOT and see what the damage is
Walk dog down to get it later
Phone charge at work - charging laptop too
Work hard
Fruit from home for brekki
Wrap some pressies later on tonight
Sort out tree for putting up tomorrow
Get DD to make some hobnobs!

Sparkle - trying to find out what my options are today at work, so far this week not really knowing what's going on!

stupid1975

hello newbie alert this morning i have

spoken to my dmp and continued with my dmp

was thinking of cancelling scared of the things that may happen am up to date with all payments so scared of things that wont really happen.

oh making christmas cards with my little one later
got some long life light bulbs
cutting up credit cards
charge phone at work all the time cheeky i know

hope that was ok

Katy83

Afternoon everyone,

I'm off to Dublin today for the weekend so it's not going to be a very DFW time but I am really looking forward to it anyway!

Managed to find 38 euros in a drawer at home as well so that was a good a start. Apart from that I have charged my phone at work, got a lift in with OH and I'm going to get a lift from a colleauge (sp?) to the airport not a taxi.

Have a lovely weekend all xx

~Yorkshire_Belle~

Hello fellow small thingers

Today I have

• not had a NSD but what I did buy was planned
• will have tea from fridge bits and bobs
• had to borrow from savings account so I can pay music teacher but will pay back on Tuesday which is pay day - I had budgeted for this bill next month but obviously Christmas is coming early for the music teacher too lol!
• DS3s school fair today so had to give him something to spend
• heating off until now but had to put it on - am freezing
• am not going out tonight as planned as am unwell - need tlc a blanket and hot water bottle in addition to the heating! Won't save much money though as was going to a friends house
• need to make a list of all things Christmas I still need to get. A pudding may be helpful! I have made them in the past but, although yummy and good to know you've made them I find they work out quite expensive. This is especially true for Christmas cake - last year only one slice got eaten but DH likes to have one in ( creature of habit - not yet truly on the MSE journey but he doesn't generally know what we have cut back on!) This year he's going to get an individual cube of cake from Sainsburys!!

Ho Ho Ho - might put the decs up tomorrow, feel the need for a bit of Christmas cheer

Belle
xx

PS brilliant news Rachel on the teaching prac
enjoy Dublin Katy
Sparkle on Fay!
Nice to see you Millie
Sorry to hear your news tangled memories
Hi to everyone else, especially Candy for starting the thread ( must mention lolly and Lottebear as have named everyone else - nice to see you!)

PPS Welcome 'stupid' - you might want to use a new name as after being on here and getting all the tips and tricks you won't be able to call yourself that for long!

catmiaow

Afternoon all,

Today I have:

Checked online banking, been paid finally but it's got an x tax code so phoned tax office
Worked early shift
Handed in hours to manager as got paid 3 hours short, shock horror
Popped into my mums for an hour
Rang my nan
Cleaned my bathroom
Took sandwiches into work for lunch

To do:

Daily competitions
Do next weeks meal plan
feed pets
Apply for as many jobs as I can

Hope everyone has a good day, two shifts left then I am off for three days plus have an interview on Monday

Lurleene

Hi everyone

I'm so sorry for your loss Tangledmemories, my thoughts are with you today.

Today I:
1) Worked for 5 hours
2) Checked bank, quidco, SCs
3) Found my brand of ink cartidges at 75% off in Wilkinson so bought a couple.
4) Free lunch at work, plus got to bring some leftover drinks home.
5) Entered cokezone points.
6) Dinner from freezer
7) Paid cheque into bank

We are off to see B in the schoolplay tonight. Not a cheap night out as it will cost nearly £20 :eek: but she has worked very hard so we can't miss it. Enjoy your evening, L x