Tuesday 9th Feb - 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:D

Morning everyone....hope all well today:D;)
Mogchops - hope you and DD feeling better.
Irishmist - big congrats on the new job:beer:
Triangle - I'm having the 'can't sleep cos of essay planning' now....I lie in bed thinking it all thro in my head...arghhhh. Must do some today so I can relax later....with Holby city of course:rotfl:

Ok, nice quiet day for me....all I have to do is nip to the PO when lady buys the ebay item she wants posting today. So, I must do some work - I did a fair bit of reading yesterday (but on a different topic:o)...time for the essay planning to begin:eek:

List for today:

• chack banking
• daily scratch
• meal from plan tonight - leftover Jamie O's Minced Beef Wellington that we had on Sunday - was deeeelicious, looking forward to it again:T
• packed lunches for girls
• NSD hopefully
• post ebay parcel (dont count that postage in NSDs;))
• Uni work......I will:)
• Heating on low
• RIng letting agent about ropey shower....that's MSE as I wont have to heat water for baths then.

Ok, that's my lot - off to wake girls!
Have a fab day:beer:

mogchops

Morning all *cough cough cough* getting REALLY fed up with this now!

Good news though, spoke to GP yesterday about getting hosp appt for DD brought forward, and he is writing to consultant to ask for urgent appt. :T

Today:

- check online banking
- go to work and cough a lot in the air conditioning
- shopping at Mr T with list and till spit for £7 off £50:T
- finish the ironing - did start it yesterday then ran out of puff
- do all comps ending 10/02

thats my pitiful little list today, am just concentrating on putting one foot in front of the other lol.

have a good day everyone xx

Candy0107

Morning All

Thanks for starting the thread today Milly

Congrats on new jobs and hugs to anyone who is ill

Today I have/will:
· Checked online banking – final DD has gone out for the month…sweep money into savings account
· Done daily scratch – 10p
· Meals from storecupboards
· Have a NSD – this must happen
· I need to fill in my WW food diary (or the spreadsheet that I have)
· Washing on 30
· Catch up on this forum (I have been really busy both in work and outside, so I have not had 5 mins to myself)
· Move any change to my sealed pots
· Try and do some work on my trousers
· Drink loads of water

Think that is about it, although I am sure there will be more….take care everyone

Candy xxxx

Triangle

Morning all :hello:

Right then Milly, come on, you can do it! :T I promise you that after a day of planning, highlighters and mind maps you will feel so much better! I'm starting the writing of mine tomorrow - we'll have to virtually spur each other on! We CAN do this! :T

My list for today:

• Two work placement visits locally
• Drive carefully to conserve the little amount of petrol I have left
• Waiting to receive a £30 refund into my bank to buy more petrol
• Received £18 in Tesco clubcard vouchers
• LSD - couple of essentials
• Don't buy lunch!
• Will try so hard not to buy any magazines!
• Bit of housework
• Walk pup for free excerise
• Renew public lib book online - browse the catalogue for others to take out
• Bit of uni reading this evening
• Tea from stores
• Eastenders and Holby City :j

Have a great day everyone
T
x

Pippilongstocking

Today
Field work free exercise for me and dog
Taken a flask
Taken muscles as its hard work
Take camera and use work to charge battery
Can't charge phone as I killed it when away for weekend
Check bank
Check capital one cc for PPIs being paid back
Keep warm
Lots skin cream on
Dinner from stores - sausages and mash
Move some money about
Fed chicken
Made some soup
Sparkle

Milly good luck with the essay - I know that type of sleep!

Hugs to you all and hello to any new folks and lovely regulars

If you've never posted on here then please do it really helps

irishmist_2

Hi everyone and thank you so much for all the lovely congratulations posts and messages on my new job - still can't believe it! Just need to really enjoy the rest of my mat leave before I go back to work - will miss being at home so much, but very lucky tyo do a job I love.

What a lovely site and thread this is - so encouraging and people who don't know you being interested in your ups and downs

Today I have/will:
-check banking and update spending diary - have been a bit rubbish at doing this the last few days
-if LO sleeps today i will attempt to review banking/budget and work out how much we need to have in joint account each month to pay for bills and known expenses - think this is why we have come unstuck so many times -we have underestimated how much car repairs, buying wood once a year etc is and then end up with not enough money....
-plan meals for this week
-make some biscuits for friends coming round tomorrow

Have lovely days everyone
xx

catmiaow

Hey all,

Today I will:

Work for a few hours
Look into my next OU course, so I know how much to save up
Check online banking
Enter comps
Clean bathroom after work
See to pets
Apply for more jobs
Not sure Slimming World is working for me, not sure what everyone else thinks but I am wondering whether to go back to WW.

Anyway hope everyone has a good day.

Jag_Babe

Morning Everyone. I am feeling a bit better today despite not getting everything completed yesterday.





My list for today is

• Catch up with emails
• Look for freelance/ temping work
• Sort paperwork - student, council and volunteer
• Sort a menu plan
• Do some course work
• Declutter house - OH is doing this as he is off work today.
• Housework - OH is doing this as he is off work today
• Visit mum in hospital
• Organise all my work orders
• Sort work lists for rest of this week
• Sort ebay account

Short list from me today so hopefully I will get through it all.

angelflower_2

shame faced (and def not recommended) moneysaving thing happened to me yesterday. My quaterly payment for tv licence bounced at end of September and I (yet again) didnt get around to sorting it out and I got the visit last night from the two tv licence men. I reset up my payment schedule there and then and they started my licence up as of yesterday with a clean slate saving me the cost from September to Feb so essentially 5 months free however, I may get reported to the fiscal and have a fine so at the moment, saved money but the penalty will be higher....what a numpty!! Glad its sorted though, another thing off the tick list!!

What else, got my essay finished last night and sent it away this morning, am actually quite pleased with it. no idea if I actually finished with answering the question completely but I dont really care.

Other than that, taking dd to a free cinema screening tonight and her and friend getting bus home so that will save me a bit of petrol.

Will do piggy, quidco and check for other freebies....other than that nothing else.

(angel slinks off glad she has been honest but is very embarrassed)

Mrs_Sparkle

I'm having a good day:

-Earned £10 paypal funds from a Linkedin survey- yay!
-Leftovers for lunch
-Meal plan is in place for the week and so far I'm sticking to it
-Need to do my clicks
-Have got my Virgin BT going through any day now

NewLeaf_2

Hello All .. first post here. I cancelled gym membership I never used.