Tues 22nd June - 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 :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

Goooooood morning today...hope it's a sunny one wherever you are:T
It's rather quiet here without my youngest...she went to IOW yesterday for the week with school. Think they've picked a lovely week for it! Will enjoy the time on my own with dd1;)

So...no plans really for today, must rest a bit as I've felt a little achy, where the surgery was, so will have a lazy day. Have a meeting at dd1's school about her school trip to Germany next month.....it's all go for these kids:rotfl:

Big waves to all you regulars and welcome to any new posters....stick with us, it DOES work:D:D

Ok, list for me:

• check banking
• daily scratch
• spends just from grocery budget...need packed lunch stuff for dd1 on a day trip to Dorset tomorrow
• post student loan evidence they want
• return lovefilm dvd
• make a start on uni essay planning....eeeeek, it's a big one:eek:
• water heating on minimum time
• do any surveys
• rest, rest, rest:o

Have a lovely day eevryone:A

La_escocesa

Hi Milly :wave: Thanks for starting the thread!

:wave: to everyone else who follows!

I am still half asleep but I really need to get my butt into work.

Here's my list:

• Didn't use the hairdryer
• Having brekkie at home even though there is no milk (usually enough encouragement to buy something!) - toast and peanut butter
• Water on for min time to do the dishes
• Try to get out at lunchtime and not spend - think I'll take my book
• Resist the shops!

I saw a pair of £8 shoes yesterday but I'm holding out for payday to get them but having an 'OMG what if they've gone come Friday?!' sort of panic. This is totally irrational! I do have £8 in my purse so could buy them but that is not the point! Am in my overdraft this month so that surely means I shouldn't...right?! Must stay focussed...

It's such a gorgeous day here so I'll enjoy the walk to work and go to the park at lunch - must enjoy the free things today!!

Happy Tuesday!

Pippilongstocking

Hey chaps up really late last night and outside gardening - too light lol

Sunshine - milly what on earth is that?


Ok today
Must get to the bank and pay the rent early
Go to post office
Crash around charity shops looking for holiday clothes
Wonder if will get interview for job
Work really hard I need a section done today
CHeck banks
PAD to CC
WOrk out how much cash we can take for Euros
Sort out what to pack and don't get anything extra WE'VE TONNES OF STUFF HERE
Freeze curry made last night
Move more plants - might ask a chum to pop in for a day to water before the chap comes home who's doing it
Walk doggie and get his supplies for going on holiday to my brothers - will use £1.50 off £15 spend in co-op
Found purse phew!
See about lawn mowing/strimming
Tidy up in general
Sort out final bits from the house - after wed I don't live there anymore
Hoover
Phone Mrs Mopp

Thats me - must get skates on!!!

Hugs chaps

josiebabie

Morning!

After a bit of a low last night I am back on form today, ex took some stuff over to his new place and was in a foul mood so I was a bit upset. After a long chat with mummy on the phone I felt better!

So today:-
- [STRIKE]Organise my motorbike to be collected from mum's house to be fixed by a friend[/STRIKE] YAY!!! Being picked up now :j
- [STRIKE]Do some research into the bikes value and therefore how much I want to spend getting it back on the road[/STRIKE] Will spend up to £350 as bike is worth £1500ish
- [STRIKE]Hot water off[/STRIKE]
- [STRIKE]Mince out the freezer for something for dinner[/STRIKE]
- [STRIKE]Check banking[/STRIKE] Child benefit gone in
- Snacks and lunch from stores
- Await delivery to Clarkes in town so I can try before I buy!
- Get hanging rail down from loft so I can start to dismantle big wardrobe for ex to take tomorrow
- [STRIKE]Look on freecycle for small wardrobe for me/research prices of wardrobes[/STRIKE] nothing on there, looking at £60-£100 for an average one
- Keep and eye on budget today for any important changes
- Definately sparkle
- [STRIKE]HC over night last night[/STRIKE]
- [STRIKE]HC on line this morning[/STRIKE]
- [STRIKE]Green Thumb coming to treat lawn today, £14 a quarter saves me lots of money in fuel to drive to various parks and trips out with DD![/STRIKE] Have phoned and paid them already, aren't I good???

Jx

determined_new_ms

Hello Milly, La E & Fay & all that follow! Milly hope ur not missing dd too much , La E what discipline you have! And Fay OMG when I unpacked my bag on Sunday I hadn't used 50% of the clothes I took

Realised yesterday that I volunteered to work Sat when I didn't actually need to :eek: (I thought I was in arrears on my timesheet so cancelled the temp and put myself in before working out my timesheet) First thing on today's list is to see if I can get out of it! yay got out of it :j:j


Ok was hugely motivated yesterday (the nearer I get to DFD the easier and more enjoyable it becomes ). so on with today:

• [STRIKE]water plants b4 work[/STRIKE]
• [STRIKE]hm lunch - ham & (reduced) vine vipe toms sandwiches [/STRIKE]
• [STRIKE]send off cheque for savings account - first ever deposit £19.76[/STRIKE]
• pay BG bill
• write letter to dd's SW in lunch break(really not impressed by a letter she sent me last week so I will respond with an equally benign letter of my own - not very assertive/mature but there you go small pleasures! ) luckily I was busy at work so did not do this. After a bit of time to reflect realise this is not the way to work with her for the benefit of dd - I'm too fiesty for my own good at times
• [STRIKE]phone vodafone[/STRIKE] & ds's gym and change dd to A&L bank acc 1 out of 2 aint bad
• any surveys
• [STRIKE]drive carefully to & from work[/STRIKE]
• jog/walk with friend tonight :eek: lamed out to "celebrate" with oh has he has just got a payrise :j
• [STRIKE]hm bread tonight[/STRIKE] oh just did it :A
• [STRIKE]dinner from plan[/STRIKE] is on the plan only not what I had planned, quick rejig to ensure things get used up
• [STRIKE]water plants this evening[/STRIKE]
• repot toms
• wrap and post last ebay item
• [STRIKE]escalate festival tickets refund with paypal resolution centre as they still haven't responded[/STRIKE]
• [STRIKE]charge phone at work.[/STRIKE]

Also:

• popped into see old friend at her farmers market/restuarant had free yummy latte and catch up chat
• bought mint from farmers market to make pimms to celebrate with oh (pimms in the cupboard ), as it was the end of the day I asked for an "end of the day" reduction and got 20p off so it was 70p (fay don't screem at me I know I should grow it!!)
• also got a free cucumber, for above said pimms, as the market had sold out so asked the restuarant if they had a bit I could have and they gave me a whole one :T
• made £1.50 from getting duty free tobacco for a colleague
• [STRIKE]Will update my signiture accordingly to reflect additional £1.50! [/STRIKE]
• got oh to put water on timer twice daily to stop it being left on all day :j(I'm the only one who ever remembers to turn it off after 20mins!)

not completed all but the day aint over and all in all I feel its been productive
ok that seems lengthy enough! Have a great day everyone x

determined_new_ms

Sorry not to say hi Josie you posted while I was compling my essay, glad to hear ur feeling positive today - stay strong x

WelshWoofer

Morning all!
A lovely quiet free lesson before all hell breaks loose again.:o


Today's list...

• Brought packed lunch to work
• Walk dog x3 for free exercise (one at the park)
• All food from stores
• Try to find something not football related to do after work (its driving me bonkers and I don't generally mind sport)
• Check banks
• Check surveys
• Drive economically to try to eek out the petrol
• Enquired politely at school about when and how much I get paid - no-one seems to know!
• Send sister texts/phone later
• Do a bit of meal planning for next week around what we already have
• Suffer the day in work (at least it finishes at 2.30pm!)
• Get OH to empty hoover (dust sets me off with allergies)

That's it for today - have a good one - will drop back later for a nose!

catmiaow

Morning all,

Still sunny here yay!!

My list:

[STRIKE]Do comps
Check bank - move cash
Check on cats and take rubbish out - clean kitchen as one cat has the runs :mad:
Clean oven
Tidy car inside and washed outside[/STRIKE]
[STRIKE]Post test parcel and post faulty Amazon DVD back for a refund - used free stamps
Go to Mr T and only get whats on my list
Go and see my mum for a few hours[/STRIKE]
[STRIKE]Check on washing hanging up[/STRIKE]
[STRIKE]Ring my nan using free mins[/STRIKE]
[STRIKE]Use free texts
Email people back
Check job sites[/STRIKE]
[STRIKE]Sort phone out updated it thinking it would be better but no all apps I added gone so !!!!ed off! - mm will leave to OH later[/STRIKE] - yay
[STRIKE]post test letter[/STRIKE]
[STRIKE]Quick shower
Dinner from stores
Go to bank for my mum[/STRIKE]
[STRIKE]Post Anniversary card to my mum[/STRIKE](forgot and remembered only while there)

Hope everyone has a good day! I am happy as have won some beauty products today yay!!

Cheery_Daff

Morning all,

been missing for a few days from here, ironically too much to do! :rotfl: And feeling a little overwhelmed today, despite the sunshine. The kind of overwhelmed that leaves you not able to do anything much, and therefore the list just keeps getting longer...

Anyway, so here it is, and I'm hoping to cross at least most of it off, if not all of it!

* washing on and hung up outside
* put carpet on attic stairs (it's only carpet tiles, so won't take long, but will look FAB!)
* next stage of bathroom DIY (kind of got sidetracked by more cheery job on attic stairs :rotfl:)
* water garden
* plant out rocket
* repot beetroot
* check library books due dates
* write PhD section
* 1 hour transcribing work
* meet friend for nice cup of tea :j
* pick up prescription
* surveys
* take money for week out of bank
* ring O2 to see why my phone won't send texts... :mad:
* meeting tonight

Think that's it! Shouldn't be too difficult.... Good luck today all! :j

Erme

I am sick...I (wide awake fae the natural emetic onion juice) did a whoopsie last night and bought a bag on ebay (expensive) when I don't even know it's size :eek:.

Got my mop this am - vileda supermocio for £3.99....just need nylon brush. Got my microfibre cloths for windows@ 69p ea :j.

Back on cigs due to lack of sleep...

Easy day today (need sleep - have docs @ 12.15 for chest)

Got cheap bread from Mr. S last night when sad....

So have lunches ...and a little lentils so we will eat today...tomorrow I can food shop

E

budgeting.nurse

• Check bank and all debts
• Having a no spend day
• Not using my car
• Eating/drinking from existing supplies
• Listing some more things on Amazon Marketplace, having just made £64 on some video games that had been collecting dust