Wednesday 7th July - 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

Goooood morning everyone! Where's the sun today?!!?
Well - today I'm going to drag my weary backside to the uni library to pick up a few books - I need to start a presentation...scary:eek: Also need books for the big essay....arghh I must be mad, but at least I won't be able to moan about being bored:rotfl:

Hope everyone is well.....big hugs to Picasso (((()))))) and Cheery - hope you're both feeling ok today.
Right here's my list:

• check banking
• daily scratch
• go to uni library
• washing is on quickwash#
• washing will go on the line
• packed lunches for girls
• take drink/snack to library
• meal from plan tonight - hm pizza and hm wedges
• use up single cream as it's out of date tomorrow

Have a lovely day.....rolling on to the weekend now:T:T

mogchops

Morning Milly & all who follow!!

Been a bit manic lately & not managed to post, & need to as it keeps me focussed!!!

Today:

- check online banking
- packed lunches all round
- LSD - just a lottery ticket
- Tea from meal plan ( home-made spag bol out of the freezer)
- go to work
- sort & file paperwork
- order some Tesco deals
- make fairy cakes
- tidy conservatory
- water garden
- hokey cokey
- do all comps ending 08/07

Good news about work - a while back I requested to do extra hours, & work Fridays as part of my contracted hours - that has now finally gone through :T so I now officially do 25 hrs a week, with all associated benefits. Excellent!

Have a lovely day everyone xx

La_escocesa

Hi everyone :wave:

Quick list from me - eek, up late, must get my booty to work!

- try for my first NSD of July!
- update spending diary from Monday/Tuesday :eek:
- check banking to see why it's so dire!!!
- enjoy free drinks in work
- look for a top that doesn't need ironing
- email a friend in NYC - no overseas texts for me!
- did my own nails and resisted paying someone to do it for me...
- found 20p (yesterday but I didn't post)

Have a great day everyone!

xx

determined_new_ms

Morning everyone :wave:phew this week seems very hard! must try to not fall under all the stress (only 7 weeks till I get some time off....)

Gosh yesterday was a really despondent day for me, must remain positive today...

• [STRIKE]read Martin's email[/STRIKE]
• [STRIKE]check banking[/STRIKE] yay student money has been paid in :j
• [STRIKE]move money around into savings & bills accounts[/STRIKE]
• [STRIKE]lunch from stores[/STRIKE]
• [STRIKE]take note of mileage when off to interview someone[/STRIKE]
• [STRIKE]get manager to sign off expenses[/STRIKE]
• [STRIKE]Go to Mr A for a few top up bits[/STRIKE] eek £15
• [STRIKE]other than shopping no spends - so LSD[/STRIKE]
• speak to ds' friend and tell him we can only put him up until next Friday (this will take a lot of stress off of me, not coping with having a house full of teenagers)
• [STRIKE]check cc [/STRIKE] yay festival tickets have now been refunded :j
• play tennis later with friend's if not raining
• watch semi-finals tonight
• any surveys none available

that's me - have a great day everyone x

Pippilongstocking

Hello chaps

Long time no see - back from hols yesterday - life is chaos!!

Anyway I need my list to keep me focussed

Bank to check
PAD to cc and something to the other one
Work out what money goes where
Charge phone at work
Download Dr Who - don't tell me what happenned!!
HM meals - just boiled some eggs for taking in to work
Drive economically
Unload holiday stuff and wash on a quick/low wash
Take all the sachets etc acquired from the ferry cafe and put them into the right boxes small things do help!
Feed chookies
Cut grass later
Take OH into town to meet up wiht a pal for watching footie in town (no tv here)
Not sure what else yet - probably some cooking and some unpacking
Go to supermarket late and get milk/bread reduced to freeze
Investigate freezer and see what we've got in there
HC is on and needs to go on the line and the dishwasher needs emptied later!
Sparkle!

I'll catch up with you all in a bit - its lovely to be home but the place is all over the place IYSWIM - I hope you're all good - Milly ta for starting the thread. xx

Pippilongstocking

Milly I am proud to report for the first time this summer the sun is actually with us up north - its no longer looking like January!!
(sorry)

Soma

for today I'll:
*[STRIKE]check banking[/STRIKE]
*[STRIKE]update budget sheet[/STRIKE]
*[STRIKE]play free scratchcards[/STRIKE]
*[STRIKE]daily clicks[/STRIKE]
*[STRIKE]do surveys[/STRIKE]
*[STRIKE]second no spend day this month[/STRIKE]
*[STRIKE]drive carefully[/STRIKE]
*[STRIKE]hand wash dishes[/STRIKE]
*[STRIKE]have beans on toast for lunch[/STRIKE]
*[STRIKE]tidy house[/STRIKE]
*[STRIKE]try the 50p sardine couscous recipe for tea[/STRIKE]

pixiechick99

fayjmck wrote: »

Milly I am proud to report for the first time this summer the sun is actually with us up north - its no longer looking like January!!
(sorry)

You must have stolen it from us as it's most definitely not shining here!!;)

pixiechick99

fayjmck wrote: »

Hello chaps

Long time no see - back from hols yesterday - life is chaos!!

Anyway I need my list to keep me focussed

Bank to check
PAD to cc and something to the other one
Work out what money goes where
Charge phone at work
Download Dr Who - don't tell me what happenned!!
HM meals - just boiled some eggs for taking in to work
Drive economically
Unload holiday stuff and wash on a quick/low wash
Take all the sachets etc acquired from the ferry cafe and put them into the right boxes small things do help!
Feed chookies
Cut grass later
Take OH into town to meet up wiht a pal for watching footie in town (no tv here)
Not sure what else yet - probably some cooking and some unpacking
Go to supermarket late and get milk/bread reduced to freeze
Investigate freezer and see what we've got in there
HC is on and needs to go on the line and the dishwasher needs emptied later!
Sparkle!

I'll catch up with you all in a bit - its lovely to be home but the place is all over the place IYSWIM - I hope you're all good - Milly ta for starting the thread. xx

Lovely to 'see' you back again Fay - glad you had a wonderful break:T

Wee_Jo

Hi everyone!! :hello:

It's been ages since I've been on here, I'm sorry! Please have me back, I bring homemade florentines as bribery!


So far today I have:

• Charged my phone at work
• Had a free cup of tea
• Brought in my lunch (today it's last night's spaghetti bolognese)

Not much so far! But since I've been away I think I have done some good DFW stuff!

• Got a sim card deal with Giffgaff, where I get unlimited txts, internet & 100 mins for £10 a month! (I got the info from this site somewhere) :beer:
• Changed to shopping at A$da - I have saved LOADS! Brought our weekly grocery bill down my another £8! Yippee!!
• Last month saved over £1000!! :j
• Had 11 NSDs last month!
• Didn't buy ANY lunches, I brought all of them in from home! :T

Okay, think I'm up-to-date now. Hope everyone has been enjoying the good weather (though it's all grey here this morning) and is keeping well.

Jo

pixiechick99

Woooooooo I just paid off my PO credit card - used student loan money I still had that I'd been keeping in case I went on holiday thyis year....decided against the hol, so there goes the card! Not much left now, it's fab:beer::beer::beer: