Wed 16th June (sorry!) - What small DFW things have you done today?

Triangle

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 :money:

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



GOOD MORNING ALL :hello::hello::hello:

Another early start for me! Got my final essay mark for my first year of the MA back yesterday - 70! :j So that's 75, 70, 70 for my assessed work this year (50 is pass mark, 70 is distinction level) To say I'm over the moon doesn't come close! :j




My list for today:

• Work 8am-8pm
• Use very little petrol
• NSD
• Packed lunch
• Was bought a cake yesterday by work to say well done Just about to cut it up so I can bring in slices for people
• Finish gardening book
• Walk pup for free excerise this evening
• Early night
• Catch up with friends using free texts

Lovely to have so many posters yesterday

T
x

pixiechick99

Well done Triangle - clever clogs!! :beer::beer:
Nothing much on here for me - lovely day so my plans involve sitting in the garden with a few books...nothing too energetic;) I have found I'm ok up until about 2, then my energy levels disappear and I'm not much use for a few hours...it's very frustrating:o So will just give in to it and make the most of feeling fine in the mornings!

Ok, here's my little list for today:

• check banking
• daily scratchcard
• packed lunch for dd2
• dd2 having dinner at friends tonight so just me and dd1 to feed - pizza and oven chips I think:o
• do any surveys that appear in my inbox
• NSD

My lists are looking rather sad - can't wait to feel better so I can get cracking more! Going to start a new diary as well, when I'm more active....right now it would be a very boring diary:)

Anyway - welcome to any new posters and big waves to all you regulars:j
Have a fab day:D

Dave_liverpool

sneaks in

its june!

sorry

Pippilongstocking

Well done triangle
Milly you do need to take it a bit slower you know!

Today for me - I think I'm not going to work - I've got a cold - not ladyflu but I can hardly move. One the positive side its given me an extra day to write up my experiment which is due at the end of the week and its going so slowly (I should have been on a presentation course today - argh but I've gained that time). I can write up in bed - very fitting I think. First though - despite the grottiness - I've to drive DD to school as we're now in the new house and only got a few final bits to do with the old house. But her bus isn't organised until after the holidays

Today
Check banks and see if loan is down under £300 :j£287
Checked onepoll no surveys at the mo (done two now 20p) :j
Check CC's and make an extra payment ot both need to start (Paid an extra £500 between the two - I use the ccs for petrol/food etc to get my credit rating better, so I must keep putting money into them regularily and PAD'ing them as that does bring them down! (they are both under £500 now)
Drive economically to school and back
HC on the line for me and for DS who's leaving for switzerland today
Look out for ebay purchases for DS - otherwise we'll need to buy him some extra sandals as the ones I ordered didn't come :mad: not here yet.
Work a bit hard but in bed - :cool: got up easier when up
HM teas/lunches
Drop DS off at ferry in afternoon and wave him off
Pick up DD from school
Imbide lots of vit c and lemsips
Text OH and let him call me
Email work and tell them I'm sick
Check for more survey's later

Thats me today - hope everyone has a great day.

josiebabie

Morning ladies!
Well done Triangle you clever s0d! :beer:
Take it easy Milly :cool:

Right my list today consists of:-
- [STRIKE]DM CAN YOU TURN OFF HW PLEASE? I FORGOT![/STRIKE]
- [STRIKE]Check banking[/STRIKE] :eek:
- [STRIKE]Check CC's[/STRIKE]
- [STRIKE]Check for any bills coming in[/STRIKE]
- [STRIKE]Email VERY HELPFUL council tax lady about splitting the arrears between me and NSOH then spreading it out as discussed with him last night[/STRIKE] Sorted! I am very happy
- Lunch and snacks from home
- Dinner from stores, sausages with something I think
- Try and sort out a meal plan and stick to it!
- DM and DD getting up to mischeif today no doubt
- Got through WIP and keep up with invoices/clear down jobs
- Do some onepoll, getting a bit lapse again
- [STRIKE]Check VO to see if I can claim my voucher yet[/STRIKE] not today
- Rejig budget for July as don't think TC are coming through on time :eek: Still jiggling, looking scary!

Have a lovely sparkley day today, I feel like I will Feel so much happier knowing I'm going to be on my own, yet also feel like I won't be lonely as I have some lovely people around me.

Jx

La_escocesa

Oh, Triangle that is ace! _party_ woo hoo! We know you're too excited to know whether it's May or June, so we don't mind :rotfl:

I can't believe the time! I might need to finish off my list in work and do a little cutting and pasting at lunch time, but so far (and from last night) I've done a few little things:

• HC on 30 (last night)
• Quick shower
• Didn't use straightners :cool:
• Sliced about 30 rolls and put them in the freezer (left over from the wedding at the weekend and we got them for free )
• Made OH sandwiches for work - he's now just going to buy soup at lunchtime... small steps...
• Invited a friend round on Saturday night - I'll cook and we won't be tempted to go out spending!
• Eating cheapo porridge
• Put 3p in the jar
• Update diary thread - probs write it in work when it all gets too much and do the cut and paste thing

Oh, yesterday I walked up 8 flights of stairs for a bit of free exercise! Might try and build that into my daily regime... Walking to work in my Shape Ups too.

Happy Wednesday everyone!

xxx

Fay - hope you feel better soon. Take it easy today.

Milly - Don't overdo it!

Josie - I know it's not quite the same, but you know we're here every day if you ever need a dodgy looking hug :grouphug:

jwil

Thanks for the welcome yesterday everyone. Well done Triangle on your assignment scores!

Today I have already:

Checked banking
Done scratchies/bingoport
PADded

I'll try and do something else later or I won't be worthy to be here :D

Have a good day everyone!

stitching_witch

Morning all. It's a lovely day here so I've hung DD's washing on the line and will be taking DGD for a long walk this morning.

It's my "10th day" - I negotiated a nine day fortnight at work so I can look after DGD on alternate Wednesdays. I have to leave the house two hours earlier than on a work day so did no DFW stuff before leaving.

I will try to:

• phone Inland Revenue to jiggle my tax codes around
• send letter to council re HB and CTB
• collect DGS from school and take him home so DGD can play with her cousins - free entertainment
• have a LSD
• wait on tenterhooks for BBC Radio Wiltshire get in touch

I'm looking forward to my day, will catch up with you all later.

Wee_Jo

Well done Triangle!!! They are fantastic marks!! :T

josiebabie

DM? Hot water???

Erme

I'm @ voluntary work and like have loads of DFW things to do when I get round to it (preferably soon)

In no particular order

• Sort out cashback for phone
• Phone WR re appeal for IS grant and complaint
• Do ironing (else will have to rewash and tumble dry)
• Menu plan and food shop
• Take out bread from freezer and buy a tonne of cheap ham and cheese spread for lunches
• Make some baking mix for cake
• Check bread stocks in freezer for this week pending a trip to Mr S for cheap bread one night (when awake)
• Sell some stuff online

Only DFW stuff done so far today is like apply for the freezer thing mentioned on here

E