Monday 17th May - 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 :T

Gooooood morning people:j
Hope you all have a lovely weekend...nice quiet one here.
Looks like a beautiful day - hope it stays with us! Off to work this morning for me, then need to go see my college tutor, take library books back to the Uni (sadly not in the same place as tutor), start getting organised for my hospital visit - it's more getting the girls organised for their stay, I'm easy;)
Ok - list for today:

• daily scratch
• check banking
• packed lunches for girls
• more ironing - lots done yesterday
• return Uni library books
• visit tutor
• start packing girls stuff (if it's packed, they cant wear it this week;))
• meal from plan tonight - meatballs, made by dd2 (my last solid food this week, argh:eek:)
• daily Glamour comp
• check I have everything for dd2's birthday at the end of next week

Ok....think I'm done for today - better go sort my hair out:p
Have a great day.....
Happy birthday to Lottebear and Littlekel:bdaycake:

OliveOyl_2

Morning Milly and all who follow :wave:

Not much to report today - Popeye has def. bought this new (to us) car and it is certainly a good buy (previous owner seems to have driven only to and from the shop for the last five years :rotfl: there's not a scratch on it and it feels like new) But it will eat into our savings and although the staff loan is cheap, it is DEBT :eek: (good debt, I know) so I must get back on line pronto pronto

So today I have/will:
Done all the necessary laundry over the weekend and line dried so that the maid doesn't have to use the tumble drier, nor will be tempted to use excessive soap powder (I guess that isn't a saving many of you in the UK can make :rotfl:)
I've researched wool shops in Johannesburg and think I've found one not too far away. They even do CS sets with designs my ma in law cannot have seen so a good source of presents.
I've made banana muffins with the over-ripe bananas.
Will menu plan to use some of the stuff in the freezer, and not waste anything.
And will get to the vegetable shop where there are such bargains. (Bit bored with beetroot to be honest )
Will carry on clicking......need a yawning icon here
And will start to look for MS for when I'm in the UK in June


Have a great day everyone :A

Triangle

Good morning all :hello:

Quick post from me:

• Back to uni today, last month of my first year MA. Looking forward to catching up with friends and handing in the dreaded essay!
• Drive carefully to conserve petrol
• Get petrol money from lady I give lift to
• Packed lunch
• NSD
• Walk pup when home
• Aqua aerobics tonight - use free pass
• Stick to SW and meal plan all day

Have a good one all
T
x

josiebabie

Morning!

So I fell off the wagon a bit this weekend. Not that I spent lots of money or anything but didn't get by backside in gear to post! So I am back on it today.

Today I have/will:
- [STRIKE]Checked banking[/STRIKE] OK
- [STRIKE]Checked to see if PPI refund has gone through[/STRIKE] not yet
- [STRIKE]Sort out rearranging where money is going to be to make it cheaper[/STRIKE] have decided
- [STRIKE]Download and fill in single person discount form for council tax [/STRIKE]:( will save and post at the end of the month *just in case*
- [STRIKE]Try to keep straight today[/STRIKE] done a good job today, only wavered slightly
- [STRIKE]Lunch and snacks from home[/STRIKE]
- Jacket potatoes from meal plan
- [STRIKE]Charge phone at work[/STRIKE]
- [STRIKE]Invoice out all old jobs and catch up with sales work[/STRIKE]
- Sparkle with some encouragement please ladies

Jx

savingforarainyday

:DMorning Everyone

Monday already:eek:

Today I will check through statements from accident and post them
Go with ds to hospital and need to check when he can use shower and get fit to fly letter, also see if mine is done yet.Done
Check money and banking Done
Keep checking emails for flight tickets should be here today at latest Checked not yet
Print out Brownie accounts
Find something from freezer/storecupboard for dinner Done Pasta Bake
Try and take dog for walk bless her she has gone without this past two weeks.
Pick up prescriptions for ds Done
Check friend is able to colour my roots before next week Sorted


Just try and get back into swing of things. Have a good monday everyone:D

catmiaow

Hello all,

Sorry to hear that Josie, I guess I know what the council tax form means...

My list for today:

[STRIKE]Clean up after cats
Take rubbish out
Go and see my nan
Ring my mum
Do some comps[/STRIKE]
Look on job sites and enter as many as poss, need FT job now!!
[STRIKE]Ring lady at B & B and book for one night in July
Watch last episode of Desperate Housewives season 6
Get essentials in town
Post DVD back to Blockbusters
Sign up to free itunes account so I don't have my card details on file with them
Dinner from freezer/cupboards
Free breakfast[/STRIKE]
[STRIKE]Clean oven[/STRIKE]

Hope everyone has a good day!

determined_new_ms

Morning ladies, what a beautiful day here! Last day off before returning to work tomorrow...

Triangle - well done on finishing the essay, final furlong now! :j

Milly make sure you have a feast tonight

Josie sorry to hear sad things are happening, but good to see you're making it into a positive

Ok so I'm back in the room and lots to do to get myself straight..

• [STRIKE]hc on line to dry[/STRIKE]
• [STRIKE]another hc in machine & line dry[/STRIKE]
• hm bread
• call bank re dds (didn't do it last week )
• any surveys available
• post 5 ebay items paid for already :j (we made a total of £35.90 and still have 1 item listed)
• [STRIKE]do flylady - kitchen pretty clean from last week and keeping on top of it :j[/STRIKE] that's enough as much as is going to be done is done!
• make lunches for work tomorrow
• go to gym & suana
• repotting/watering
• yummy make beetroot salad for lunch (thanks for reminding me Oliveoyl )
• [STRIKE]prepare June's budget and rejig to take into account overspending this month [/STRIKE] done overspent by £100 but put an ad on mumsnet the bits bought and hopefully will recoup some of the £30 spent... am going to look around for things to sell to recoup the rest (so hopefully will make up the £100)
• NSD (except postage but that doesn't count as paid for by buyers )
• pay in £17 savings to bank

that'll do, have a lovely day everyone x

OrangeFairy

Morning all! I hope everyone is okay!!

Booked our wedding yesterday!!!!!!!!!!!!!!!!!! :j:j:j:j

I;ve cycled 5 miles before work this morning so i am pleased with that! Gotta lose the weight now!!!

Though deposit has gone on my credit card :mad::mad: So need to add that to my sig later

Today

work!! booo
revise for assessment tomorrow
send cartridges to tesco
pay mums and aunts deposit into my account and then off my card
send tax credit renewal form
check banking
surveys
lunch from stores! (porridge i have in my drawer at work!)

Have a great day!

Hugs to Josie x

josiebabie

Ah it's alright, it's about time. I think I said that last time we had a barny! LOL

Pippilongstocking

Hey chaps

(Happy birthday LT if you get on here later )

My list

Checked banks
Checked cc's
Moved some money about
Post two things for sales ebay/amazon wrapped and ready to post
Storecupboard brekkie/tea
Use up old milk later - still OK
Use up old cheese later - probably in cheese omelettes
Phone to charge if I find it
Emailed landlord about expense for the garden I would have previously just done but as it will be £50 I don't want to spend it if he's not fussed - HES NOT FUSSED SO THAT WAS EASY!
Water greenhouse and see if I can plant some tomatoes?
DO NEXT DOORS HEDGE IF I GET THEM IN!! organised for tomorrow
Make a list for lodger new room - they arrive in 2 weekend's time
Text brother to help move some furniture from DD room to lodger room
Sort out more folders etc
Clean fireplace again
HC DD curtains and line dry
Take another load to the new house (the cupboard under the stairs - spiders and all have to shift!)
See if I can get the old pressure washer to work and clean the conservatory/greenhouse.
Clear out more kitchen cupboards to make way for new lodger food etc.
Propagate some shrubs from the old garden to move later - 30 fushia cuttings

No idea what else yet...........................

complimentschemistry

Hi ladies (& possibly gents!)

Here's the plan of action for today... pink means done!!

*Daily scratch
*Check online banking
*Monthly payment plan for next 3 months
*Cancel Weight Watchers account and calorie count instead for freeeeee!
*Join the cheap gym (only £25.00 per month!)
*Clear my work desk (not a DFW thing but well needs doing!)
*Look for second job
*Drop sister's CV into Costa - aren't I a lovely sis?! :P

And if I think of anything else I'll add it. Good luck to you all in your DFW tasks