Thursday 24th 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

Gooooood morning...me again;)
Well, a quiet day for me - nothing planned, which is lovely - no meetings at school unlike tha last 2 evenings:rotfl:
I might nip to Mr T's and get a few bits to keep us going until my shiny new Asda cc comes and I can do an online shop with free delivery to stock up.

Big waves to you regulars....and welcome to any new posters!
Here's my list:

• check banking online and move TCs to spends account
• daily scratch....almost at the magic £10
• meal from plan tonight for dd1 and I - chicken, wedges and spag hoops:)
• sweep kitchen floor
• attempt to start my essay research...just don't know where to begin tho:o
• finish meal plan for next week
• write mini shopping list to last until next week
• hot water off soon

Ok, not a huge list for me - but it's plenty!!
Have a fab day everyone, hope the sun is shining wherever you are:T

catmiaow

Hello all,

Thanks for starting the thread Milly!

My list for today:

[STRIKE]Check banking
Do comps before work
Quick shower[/STRIKE]
[STRIKE]Go to work [/STRIKE]
[STRIKE]Ring up and make an estate agent app, changing estate agents and the others are incompetent!
Post letters
Pick up stuff for Oh
Rang my nan using free mins[/STRIKE]
[STRIKE]Check job sites
See to pets - cat has runs again so have to ring vets - they suggested plain fish for a few days[/STRIKE]
[STRIKE]Do comps after work[/STRIKE]
[STRIKE]Took leftovers to work for lunch[/STRIKE]
Dinner from stores - pizza easy as OH late from work
[STRIKE]Put washing away[/STRIKE]
[STRIKE]Hope both parcels get delivered to a neighbour - only one arrived so emailed to chase up
Emailed OU finance to ask for grant forms[/STRIKE]
[STRIKE]Will phone tax office to see how to claim tax back
[/STRIKE] Written letters and sorted to post tomorrow
Written draft of cancellation of contract to existing estate agents - Will ask OH to check

Hope everyone has a nice day!

Erme

I started it cat about 6am

So now we have two threads :P

Can someone please get onto the mods to delete my one

Just about to get organized and attempt to go on the bike for about the first time in 2 weeks :eek:

Here's my list for today (if I can stay awake LOL)

Don't think I'll do the ironing if it's mega hot in the pm....

and the rest I think (in no fancy order) is here :-



○ Ironing
○ ?Put stuff on ebay/folksy
○ Mop and sweep kitchen floor
- ?coffee table (maybe later - tis only a wee job)
- take washing off airer and sort
- ? hoover
- try and find receipt for mop from Mr S and take back
- Pay tithe (part)
- Pay house ins
- research daily clicks

and I feel really skint and am worried I won't be able to get OD paid off before next big welfare check :eek:....

But now I must do a little crochet (sanity) then go off for depot shot :P...wonder how much Dr. C has < it to? Wonder if I'll notice any side effects?

Blessings

E

Memory_Girl

I'm rotating between doing two Mind Maps that need to be in the post this afternoon and

........ filling up my Brand New to me chest freezer with "ready Meals" made from what i have in my Cupboard. So a getting organised, Store Cupboard challenge.

Saving up for Christmas with what i save on food

Memorygirl

determined_new_ms

Morning everyone! Yay Thursday and I only work till 2 on thursday! Much better nights sleep last night but weirdly feeling more tired this morning!

Ok today:

• [STRIKE]grabbed lunch on the way to work[/STRIKE]
• dinner from plan - spanish omlettes
• drive carefully to & from wrk
• buy padded envelops from £shop
• wrap & post two ebay items
• water plants
• repot toms
• do some prep in the spare room. The day when the student arrives is hurtling towards us and we haven't done anything
• play tennis this eveing
• [STRIKE]pay BG bils[/STRIKE]
• contact CSA to change banks
• charge phone at work

that'll do need to be realistic as it makes me feel bad if I don't tick amost everything off! Happy Thursday buzz going off to everyne x

Erme - you need to delete the thread

PurpleFairy26

Hi All

small list for me today as too muggy to do much;) well that's my excuse!

• pay water bill
• pay CC (including an overpayment)
• lunch and tea from stores
• phone tax credits and tell them my income has changed this year and so amend my award
• book tickets for family day out in Sept, not overly DFW but in Sept it will feel like it as it will all be paid for. plus DD gets in free!
• Friends coming over this afternoon with their little ones - only cost a couple of tea bags which will be lovely x

Have a good sunny day all x

mogchops

Gooooooood morning!! :D

Lovely sunny day!! I am still bouncing.....in case anyone missed my news yesterday.......

I WON BON JOVI TICKETS FOR SATURDAY AT THE O2!!! :j:j:j:j

Which makes me just a teeny weeny bit happy :p

Today:

-check online banking
- tea from meal plan
- hokey cokey
- tidy through
- car tax (bleuugh)
- do all comps ending 25/06 (on a roll!! :rotfl:)
- hosp appt this afternoon (double bleuuugh)


Have a lovely day everyone!!!

budgeting.nurse

-Checked all accounts
-All meals from stores
-Sold something that had been collecting dust for 12 months for £170
-Got some shampoo/conditioner/shower gel off my mum from the hotel they stayed in on holiday - will definitely last a week!
-Spent less than £8 at Asda getting some planned groceries - selected some smart price items among them and a multibuy
-Resisted temptation to buy unnecessary cleaning products, when i have several half/three quarter used bottles under the sink.
-Made three food packages for work, avoiding canteen prices.


Working the next three days from 7:30am until 2000hrs so hoping for three NSDs!

loveparis

Hello everyone,

I’m back on this forum after a long break because I need to get my finances in some kind of order again and have been slipping a little lately!

Okay so today is payday so I have been busy planning my finances for the month and so far have done the following to get money in order:

-Checked internet banking and payslip to check actual income for month including expenses repaid
-Separated disposable income from income needed to pay bills for month
-Updated spreadsheet with details of income, bills, expenses for month and disposable allocated for each week
-Filled up car with one tank of petrol and recorded cost; and made a promise to myself to make that 1 tank of petrol last all month (apart from necessary business petrol use) as spent a fortune on petrol last month!
-Discussed free travel to work with facilities office and going to start using this option from tomorrow (making my potential for NSDs go up to a possible 15 a month!)
-Brought packed lunch to work
-Not withdrawn any cash to spend
-Hung up washing outside
-Will reduce boiler temperature tonight as noticed water was extremely hot when had shower this morning….
-(Yesterday but will include: ) took loose change to Coinstar and used money to stock up on cheap beauty products to last the month including soap, conditioner, make-up, face cream etc.

Erme

determined_new_ms wrote: »

Morning everyone! Yay Thursday and I only work till 2 on thursday! Much better nights sleep last night but weirdly feeling more tired this morning!

Ok today:

• [STRIKE]grabbed lunch on the way to work[/STRIKE]
• dinner from plan - spanish omlettes
• drive carefully to & from wrk
• buy padded envelops from £shop
• wrap & post two ebay items
• water plants
• repot toms
• do some prep in the spare room. The day when the student arrives is hurtling towards us and we haven't done anything
• play tennis this eveing
• [STRIKE]pay BG bils[/STRIKE]
• contact CSA to change banks
• charge phone at work

that'll do need to be realistic as it makes me feel bad if I don't tick amost everything off! Happy Thursday buzz going off to everyne x

Erme - you need to delete the thread

Sorry am exhausted and couldn't find the button...any hints/advice on how to delete it would be greatly received...

E

WelshWoofer

Afternoon all - its quiet here today!
Nothing very exciting to report - just a normal day at the pre-borstal finishing school.;)


Today's list...

• Took packed lunch to work
• All food from stores
• Finish shopping list for weekend
• Hoover downstairs
• Chceked banks
• Do 2 surveys that have come - will probably get booted out
• Find something to wear to work tomorrow
• Read library book
• Sort out the bins
• Finalised budget for the rest of the month
• Walked dog x2 for free exercise for both of us - one more to go
• Stay in and watch telly/read

That's it for me - told you it was boring!