Wed 19th 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

Morning!
Well, today is clear fluid only, exciting eh?! Not got anything on - giving college a miss. Will just make sure I'm packed for my trip:rotfl:
Girls are off to the ex-mil's tonight, boooo, I don't want them going tonight but I need to leave at 7am tomorrow so it's the best option.
Hope all having a good week - roll on the weekend eh?!;)

Ok, list:

• check banking
• daily scratch
• packed lunch for girls
• get dd2's birthday stuff sorted and wrapped
• pack my bag
• finish girls packing
• NSD hopefully
• tidy up house

Ok, that'll be enough - am tired:p
Have a great day!!!

OliveOyl_2

Morning All :wave:
I suppose having nothing but water all day is quite DFW Milly? If it were me I'd stay indoors under the covers, if I went out I'd straight away be smelling bacon cooking or something else really tasty :rotfl: Best of luck anyway.

Another dull stay at home day for me
Until we know how this months figures will pan out I daren't spend anything. Popeye is getting so concerned he got up in the night and ran a few variations on a spreadsheet working out various scenarios. We haven't done that in a VERY long time, a timely reminder of how far we've come. This time it is to see if we can afford this car, rather than a credit card bill, so far less painful.

So today:
Another NSD and a GND (Go Nowhere Day)
Make a cottage pie for the freezer for when I'm away
Make a prawn curry with the special offer prawns I have for tonight to cheer him up :kisses3:
Continue knitting the cardigan, which I now doubt is good enough to give as a gift, but is good practice
Clicks and surveys
Write e-mails to friends to keep in touch
The old banger in the UK needs replacing with a less-old banger estate, and using Martins hints today I will apply for a 0% card to have in place for a car purchase in June.
Also entered the draw for a free South African Cookbook

Have a great day everyone :A

josiebabie

Morning! :j

Today has started well...Barclaycard have refunded my PPI premium so I will await a balance transfer offer and get that under way. Thinking of you Milly on your clear liquid day today!
My list for today is...

- [STRIKE]Check other banks/CC's[/STRIKE] not too bad
- [STRIKE]Check free money card for referrals (bit early yet I think)[/STRIKE] not today
- Keep up with onepoll today and check for a response from valued opinions last night
- [STRIKE]Update spreadsheet[/STRIKE] wohoo!
- Lunch and snacks from home
- Tea from stores
- DM looking after DD today (no extra nursery fees)
- Boss not in today, so lazy day for me
- Update MSE diary with MSE stuff rather than random jib
- Definately sparkle

That's plenty enough to concentrate on for today!

Triangle

Morning all :hello:- what a lush day :j

My list looks a little like this:

• Uni all day
• Revision during 2 and a half hour gap
• Drive carefully to conserve petrol
• NSD
• Walk pup for free excerise
• Stick to meal plan and SW
• Quiz night with the family tonight! Sister is off travelling on Friday so will be nice to all get together
• Watch Holby City on i player when get back

Have a good one all, thinking of you Millie
T
x

determined_new_ms

Morning ladies! OMG this morning was so stressful!!! Oh has got an interpreting job and realised before we went to bed that he hadn't printed off the paperwork he needed so we agreed I would give him a lift to the train station via my office in our home town so I could print it off. We needed to leave by 6.55 because I needed petrol as well and it takes me 40mins to drive to work. we woke up at 6.35 :eek: que panic and arguements!!! Anyway am at work now - phew!

Milly good luck with today and tomorrow. Hope you're not too nervous and look forward to hearing from you very soon telling us how well it went x

Josie - wow excellent news! Very exciting for you - how much closer to your DFD does that bring you?

Oliveoyl - hope you guys get through this month without being too stressed about money x

Ok just a small list for me today:

• work hard and focus (I have to have a meeting with my boss this afternoon to discuss my time off sick - he made it very clear while he sympathises that things are difficult for me he needs someone who is committed to the job and isn't going to be taking time off. Need to convince him I do not intend to have more time off )
• dig around in office cupboards for lunch - no time to make it today (I think there is some porridge kicking around )
• any surveys available
• NSD
• pack up 2 remaining ebay parcels
• take photos and list 5 things for ebay
• [STRIKE]read martin's email[/STRIKE] ooo there's a guide to free festivals :j
• read said guide tonight
• try to do some of the flylady after work

ok that's me, better get on and do what I'm paid to do! Have a great Wednesday everyone xx

WelshWoofer

Morning ladies!
Good luck to Millie - hope you have a restful day today.

Today I'm at home - no school for me - hurrah!

So I will....

• Check banks - bursary still not in - will phone uni to see what's going on - gets paid tomorrow apparently
• Hoover and dust house
• Put dry washing away - done
• Clean kitchen
• Go and see Peter Kay tonight - tickets are a wedding present from friend so should be a fairly cheap night - all organised with friend now
• Do a job application (sent one last night) and look for others done
• Walk dog for free exercise (done 1 already) - just off to the park with pooch
• Start a clothes sort out
• Ebay something - done
• Try not to panic about job situation - applied for another one and sent it
• Do any surveys that come - getting screened out a lot lately - done one for 50p
• All meals from home

That's all I can think of so far - have a good day

Cheery_Daff

Morning all

good luck Milly - don't try and do too much, you'll be worn out with no food! At least it's MSE...

DNMs, what a stressful morning! And does your boss really think it's going to make you LESS stressed by criticising you for having time off when you needed it?? You had a sick note, did you not?? Don't let them bully you!

Mini MSE list for me today

* check online bank
* transfer Amazon payment if it's arrived
* PhD all day
* NSD
* washing done and hung outside
* adjust signature after paying for breakdown cover yesterday
* eat properly - slimming world this evening (pre paid) and I want to have lost 1.5lbs! (not that today will make much difference, but I can avoid making it worse!)

That's it I think! Back later...

WelshWoofer

Have finally listed my first ebay item in years! What a faff!
If it sells though it should get at least £130 (according to others being sold there today).
Wish I had more than one to sell (it's a Mont Blanc pen if you're wondering).

Chasing_The_Dream

Morning, hope everyone is well!! I have the day off today :j so I really need to be prouctive and not waste it! Today I'm going to:

1. [STRIKE]check online banking[/STRIKE]
2. [STRIKE]check ebay[/STRIKE]
3. [STRIKE]scratchcards/surveys[/STRIKE] 10p/10p
4. [STRIKE]meals from cupboards[/STRIKE]
5. [STRIKE]sort out friends birthday present[/STRIKE]
6. ebay 5 items
7. [STRIKE]set up new quidco account as I can't access exisiting one[/STRIKE]
8. [STRIKE]Apply to college for next year[/STRIKE]
9. make up my cv
10. [STRIKE]plan budget for next month[/STRIKE]
11. [STRIKE]read martins email[/STRIKE]
12. update my diary
13. [STRIKE]update signature[/STRIKE]
14. [STRIKE]do my volunteering tonight[/STRIKE]
15. get copy of credit copy
16. apply for credit card if above is ok
17. [STRIKE]have a nsd!![/STRIKE]

Think thats about it for today!

xx

polkadot

:hello:Hello everyone:hello:
Today is my second day on the DFW board wish I'd come here sooner. I did my SOA last night and La Escosea (sp?) suggested the small things thread, so here I am-sorry, no biscuits with me.
My plan today is as such:
-Watch my thread for more responses*
-Pose one or two more questions on my thread re PPI and bank fees.*
-Looking to be a NSD (try to keep it up)*
-Work out how to make birthday banner for DS birthday in June*
-Read a bit of the Ebay board (need educating see:) )
-Change signature*
-Have a kick around the garden with DS and BUMP:D*
I also entered the South African recipe book giveaway, Im a saffer myself and figure I could do Vetkoek and bredie for the next few months until BUMP arrives, Im so big already I dont think anyone will notice a few more koeksisters around my belly-and shame of all shame, I do not posses these recipes myself.

Hope you will all bear with me whilst I get my head around who's who though-Ive never been very good at keeping up with posting. Its something I plan to work on as it really does keep me on the straight and narrow.

catmiaow

Hello all,

Good luck for tomorrow Milly!

My list for today:

[STRIKE]See to pets
check online banking
Take out rubbish
Watch DVD 1[/STRIKE]
[STRIKE]Watch DVD 2[/STRIKE]
[STRIKE]Post ebay parcel
Get essentials from MR T
Post DVD 1 back and competition entry
Go and see my mum[/STRIKE]
[STRIKE]Vacuum upstairs[/STRIKE]
[STRIKE]Cleaned bathroom yesterday
Quick shower[/STRIKE]
[STRIKE]Dance class later
enter comps
check job sites[/STRIKE]
[STRIKE]Email guy to get a sample
Ring estate agents to lower my house price - cross fingers it sells now
Washing on and hang to dry
OH to take me for a few drinks
Post DVD 2 back[/STRIKE]


Hope everyone has a good day!