Sat 13th Feb - What small DFW's have you done today?

josiebabie

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! :j:j:j

Morning all

I guess I'm the only one working today and thus am up at silly o'clock
My list is as follows:
- Go to work!!! Boo!!!
- Sell £1500 labour
- Declutter home
- Ebay listings!
- Dinner from meal plan
- LSD - only replace yale lock that I had to beat apart when I locked myself out and my 2 year old daughter inside!
- Hokey cokey
- Depending on weather when I get home at 2pm maybe washing on line?
- Keep an eye on energy monitor

Have a good day everyone

katsu

Hoping to put up outdoor line to start drying washing outside.
Declutter - two bags to charity shop
Post great aunt's HM birthday gift second class (so arrives for end of week).

mbaz

Morning all

Yay it's half term! I'm still getting used to DS being at school and really miss him so I so look forward to the holidays!

Today I have/will

- go to a friend's son's birthday party at softplay - kids get in for free and I'll sneak in a can of pop for myself so I can try and have a NSD!
- scratchcard
- surveys
- babysitting tonight
- was going to take boys to barbers but bought some £6.50 clippers from argos and done it myself. Looks ok...ish!

and that will do for a Saturday I think!

Yargo1

Morning all. Ive just got back from mr morrisons as have a friend over later to fit a new blind in my lounge (currently got one of those wicker types that you can see straight through!!) ... so after putting up with it for 6 ! 6 years i treated myself to a wooden ish venetian blind from ikea...so hope my mate can put it up ok. bit worried though as they didnt have the size to fit in the window so i hope it wont look daft on the outside??? wood stuff looks too tough to cut so .....

anyhow im cooking him a roast to thank him for doing it.. and will be nice to catch up too.

got a charity ball tonight.. ticket was 25 quid. bought it last month and as it includes meal thought ok not too bad... now my mate is wanting to get a taxi... she not got a quote so i just did ... 30 quid!!! what!! so ive suggested i drive but thats gone down like a lead balloon...hmmm BUT i dont want to spend 15 quid my half on a taxi...as makes it a very dear night with drinks on top!! .. why do plans never go smoothly!

have a good day all x

lilian1977

Hi everyone, I really must try to keep on top of posting here. Anyway, things today:

Payday! Well, Monday is, but it shows today. Am going to ignore it until Monday though.

First mortgage payment went out today, not too scary as it's only £6 more than I was paying to my rent. Need to work out an overpayment plan but we want to settle in and make sure the bills aren't too crippling first - moving from a small one bedroom flat to a 3 storey house is bound to make a difference!

Scratchers - 10 10. Haven't had more than that for ages!

Out to see a play today, got a discount so quite cheap, and then to All Bar One for their £15 wine and 3 small plates offer. We're meeting OH's friends afterwards and I'd rather not pay silly bar prices for my drinks so better to have a drink first on the offer I think! Having lunch at home before we go to save money.

Joined the "No more books" thread, I have enough that I haven't read. Must get back onto Amazon Marketplace and Green Metropolis and get rid of some.


I think that's everything - have lovely days everyone!

tiff

Yargo1 wrote: »

Morning all. Ive just got back from mr morrisons as have a friend over later to fit a new blind in my lounge (currently got one of those wicker types that you can see straight through!!) ... so after putting up with it for 6 ! 6 years i treated myself to a wooden ish venetian blind from ikea...so hope my mate can put it up ok. bit worried though as they didnt have the size to fit in the window so i hope it wont look daft on the outside??? wood stuff looks too tough to cut so .....

anyhow im cooking him a roast to thank him for doing it.. and will be nice to catch up too.

got a charity ball tonight.. ticket was 25 quid. bought it last month and as it includes meal thought ok not too bad... now my mate is wanting to get a taxi... she not got a quote so i just did ... 30 quid!!! what!! so ive suggested i drive but thats gone down like a lead balloon...hmmm BUT i dont want to spend 15 quid my half on a taxi...as makes it a very dear night with drinks on top!! .. why do plans never go smoothly!

have a good day all x

Those blinds can be cut to fit quite easily, as long as he has he right tools. My DH did this for each window.

catmiaow

Morning all,

My list for today:

Lay in bed
Shower rather than bath
Check on pets
Enter all received post
Get bf to post parcel sold on ebay
Check online banking
Enter comps
Check Jobsites

Hope everyone has a good day!

La_escocesa

Hi all,

Yargo, I know that feeling too well! Could you drive there and leave your car and only get a taxi home? At least then it'd be half price, but only convenient if you can pick up your car easily tomorrow.

My list for today is:
- Wash the dishes while the water is still hot so I don't need to put it back on again later 3 loads later...
- Got the laundry on the clothes horse, hoping it won't take 3 days to dry!! Think some has dried so I'll put those away. Can't face putting another load in today.
- Heating on low
- Add some pearl barley to the HM soup I've got in the freezer to bulk it up a bit more, ready for next week's lunches Hmm, worked out ok. Will do for work lunches I guess.
- Meal plan and prepare an online shop
- Paid £100 off c/c - remembered I had £100 in premium bonds from last year!
- Phoned sister with 'free calls at the weekend'. Will email her if I need to get in touch during the week.

Be back in touch next weekend folks!

Happy Sunday

Triangle

Hi guys :hello:

Well, I had a great night last night with uni friends! Overspent by £7 (planned to spend £20) but don't feel too bad about it as it was much needed time with special friends - a treat after a rubbish few weeks!


Anywoo, my list:

• My grandad has very kindly given me £150 as a 'keep at it' present
• Have done some financial planning - paid extra on both c/c's
• Budget planned up until April when receive next bursary payment
• Done the food shop - stuck to budget and still got some nice food for tonight!
• £5 in Xmas pot
• £20 in secret pot
• Received notifcation that Gavin and Stacey Series 2 DVD is at the library waiting for me - yay! Perfect for tonight - will go and pick it up in an hour or so
• Cooking a Valentines meal for DH, yum yum..then will watch DVD as above
• Need to do a bit of housework
• Walk pup for free excerise
• ESSAY! Plan to write 1200 words over the weekend
• Use free texts

Right that will keep me busy!
Have a great day all
T
x

Bagpuss741

Today I have/will:

1. Checked online banking
2. Paid off Capital One:j (Used my car fund as hoping car will last a few more years if looked after.)
3. Paid £129.35 off next so now only owe £100 (again used car fund, you watch my car will break down soon:D)
4. NSD
5. Received letter stating that OU grant will be paid soon £1075:T
6. Walk dog locally
7. Write to Tesco as I think I've cancelled direct debit to clubcard plus by acccident:o
8. Watch Rugby C'mon Wales
9. Free scratchcard

irishmist_2

Hi there,
Woohoo, the weekend!
Today:
-paid in some cheques and the rest of the pennies etc from our change jar - in account now
-used M&S voucher gained through surveys to buy a pressie, some birthday cards and wrapping paper needed over next week
-avoided going into any other shops in town
-having lunch at home and then a quickl house tidy up so done for weekend
-babysitting for a friend tonight

Have lovely weekends all
xx