Thurs 8th 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

Hellloooooooooooooooooo everyone - nearly the weekend:T
I don't plan on doing much at all today - just uni work. Nice quiet day! Must get DD1's clothes all ironed for next week - she's off to Germany with school and we're at my sister's at the weekend so won't have time then
Ok, here's my list:

• daily scratchcard
• check banking and move TCs to spends account
• meal from plan tonight - jacket pots and chicken
• packed lunches for girls to school
• washing on quickwash and on the line to dry
• ironing
• uni work
• NSD
• stich electric things off at the wall when not using
• showers all round not baths
• hot water only on for a little

Ok, that's all. I paid ff my Co-Op cc yesterday, all £700 of it - so look at my sig, almost debt free:beer: My mission is now to keep spending to a minimum, keep organised and motivated!:T

Have a great day:)

catmiaow

Morning Milly and those that follow,

Well done on the debt busting!

I have:

Put cleaning washing away
Got washed
Briefly vacuum upstairs

I will:

[STRIKE]Check bank
Do comps
Take some leftover food that I made last night to my nans for her dinner
Go to work
See to pets
Take rubbish out
Check job sites[/STRIKE]
[STRIKE]re print app with amendments for OH to check - going to do now[/STRIKE]
[STRIKE]Washing on - will hang to dry
Use free texts and mins
Dinner tonight burger(Quorn for me, turkey for OH) and curly fries
[/STRIKE]
Hope everyone has a good day!

determined_new_ms

hey Milly! Wow check out ur sig! :j Good for you - u must be even more itching to slay the last bit than I am! (12 more days and my od will be gone, and loan will be (slightly) less than £1000 - its becoming an obession!)

Hello everyone x Thank goodness its Thursday working 12-8 today so relaxing with a coffee and MSE atm :D yesterday was a rough day at work but hoping today will calm down, I guess the only good thing about being so over worked is the week hurtles by!



So today:

• [STRIKE]freeze leftover chilli[/STRIKE]
• contact npower and set up dd for electric
• [STRIKE]drive carefully to & from work[/STRIKE]
• [STRIKE]hand in expenses (£54 :j)[/STRIKE]
• make bread
• [STRIKE]lunch from stores[/STRIKE] actually forgot lunch but scrapped around at work and had a slice of cake in the fridge mmm, one of our tenants is having a barby & gave me a hot dog & I have a muller corner in the fridge there was me thinking I'd have to spend some money :j
• water plants
• buy sun for £5 moc (thanks guys :A)
• [STRIKE]buy porridge oats to make flap jacks[/STRIKE]
• go swimming before work (its cheaper to go to a pool in a town I pass through on the way to work than my home town, only 30p but 30p is 30p ) scrapped this and am going to go for a run with oh after work instead (saving £3.30 )
• park in free parking and walk to pool as above
• [STRIKE]get ds's friend to hang out hc [/STRIKE] did it myself
• [STRIKE]turn off plugs at socket[/STRIKE] some
• [STRIKE]check banking[/STRIKE] no change but still on target :T
• list 3 things on ebay listed 2 in the local rag thought I would get a better price
• [STRIKE]get chicken out of freezer, defrost & put in sc[/STRIKE]

ok that's enough, have a lovely day ppl x

Pippilongstocking

millyscarlett wrote: »

Ok, that's all. I paid ff my Co-Op cc yesterday, all £700 of it - so look at my sig, almost debt free:beer: My mission is now to keep spending to a minimum, keep organised and motivated!:T


Have a great day:)

:j:j:j:j:j:j:j:j:j:j:j:j

Well done!!!!!!!!

Go you milly

PurpleFairy26

Morning all!
Well done Milly on that debt reduction! Hopefully I'll be in your position in December.

Small list today as have had a really busy week:

Keep an eye on eBay lots of watchers let's hope some of them bid! Few bits, why is it that things you think will sell for quite a bit don't and those cheap things seem to go well!
Washing on quick wash dry outside - if rain stays away
Going round friends later for free tea and good company
Tea using left overs
Investigate places to go using clubcard vouchers

Think that's about it. Have a great day everyone x

stitching_witch

Morning all. I'm back in a better frame of mind today so here goes!
So far I have:

• done 2x HC overnight on cheap rate electricity
• sent half a dozen eggs to work with DS3 for a customer
• made lunch to take to work
• checked banking - still waiting for final PPI payment :mad:

I also intend to:

• check for surveys
• go to new supermarket opening today to look for offers
• if no offers, have an NSD
• have meals from meal plan
• pay this month's rent and council tax
• enjoy my day at work - it's one of my accounts days rather than the admin I hate!

Not much really, but enough for a Thursday

Pippilongstocking

Thanks for the lovely hellos yesterday

Today

Drive into work carefully - I'm keeping a note of my miles/petrol this month as we're now at the house all the time - and the petrol expense is bound to be a high one each month but at the moment its an unknown.
Same for the electricity here - right now its unknown - and whilst the kids are here I need the water on every night - but when they aren't I might just switch it off
Do work expenses
Made OH HM lunch
Taken stuff into work yesterday
Need to get paper today
Must organise house - its a tip.
Look into drying the grass in the garden for hay - its needing strimmed now so waste not want not - the chickens will use it for bedding later in the year.
Move some plants to a wind free spot
*Find a wind free spot!*
Enquire at work about some old pallets for making some shelter
Charge phone at work
Keep up with diaries etc
Move some more money to CC
Freeze some of the extra pasta
Feed hens
Walk doggie and OH later
Think more about TV for the winter - we're watching a few bits from iplayer - but aside that there is no tv.
Do some change of address stuff
Change the loo seats for the lovely ones we bought - to save ourselves slipping off the seats!

Spoke to kids yesterday so won't speak to them for a few days - must phone BT and organise free forgien calls again - phoning France is not cheap unless you've a package.

josiebabie

Morning happy campers!
WELL DONE MILLY ON DEBT BUSTING!

Not been on at all this week due to having family down, have updated my diary a little bit though...
I have the week off work and we have been sight seeing around salisbury etc

My list for today:-
- Go out in a bit to see some Salisbury sights, though it's raining - boo!
- Turn things off at the wall when we go out in a bit.
- Drop car off at ex's house so he can get furniture from bargain second hand work warehouse, he's MSE now too! This saves me parking money in town.
- Take family around shops, DSSister to get her hair cut and DD to have hers done too
- DB4 to go to game shop
- Look for top today to wear on Saturday night
- Try on skirt found in bros garage to see if it still fits
- Have paid another £200 off egg card this morning and cleared Cap1 again.

Not much MSE going on today but thought I'd say hello anyway!!! Right had better make sure DSSister and DD are getting dressed, leaving in an hour!
Jx

Wee_Jo

Well done Milly!! :beer:

That's so brill, you're nearly there! :j

I am feeling like a bit of a DFW failure this morning, as I overspent last night when I was out with a friend....why is it when you're having a few [STRIKE]bottles [/STRIKE]glasses of wine all your good DFW intentions fly out the window?? One of life's great mysteries!

Admittedly it was a nice cheap and cheerful place and I only spent £20....but I had budgeted for less Sorry to moan, just annoyed with myself.

ANYWAY

Onwards and upwards, I will take it as a kick up the you-know-where to rack up the NSDs until my money withdrawing day (next Tues) - I don't have much left but I CAN DO IT!! So today:

• NSD!!
• Bringing lunch from home
• Using work travelcard as I have lots of meetings so need to use my own
• Pay off some more on my credit card (this is not out of my weekly money - I have money allocated for this already)
• Finish making my friend's birthday card

That's all I can think of for now.....

Jo

Soma

well done Milly - nearly there!
my list for today:
*[STRIKE]free scratchcards[/STRIKE]
*[STRIKE]daily clicks[/STRIKE]
*[STRIKE]check bank[/STRIKE]
*[STRIKE]update budget sheet[/STRIKE]
*sort out paperwork - my monstrous task!
*[STRIKE]handwash dishes and don't use dishwasher[/STRIKE]
*[STRIKE]eat tea before going out tonight to avoid eating out[/STRIKE]
*[STRIKE]use free parking in town[/STRIKE]
*[STRIKE]drink soft drinks when going out[/STRIKE]
*[STRIKE]prebook Eclipse tickets for tomorrow to avoid disappointment and wasted trip to town[/STRIKE]
*[STRIKE]grate lactose free cheese and freeze in small bags to make it go further[/STRIKE]
*[STRIKE]try using 4 year old blusher (just found and barely used) instead of buying a new one. fingers crossed I don't come out in a rash [/STRIKE]

nowpanicking

Morning everyone,

Well done Milly - I honestly can't see the time when I'll be debt free so I'm really impressed with those that have got there/are getting there

Wee question - I know that DD / DS means kids but not sure what they stand for... can anyone answer?

My list for today: -

• pay day today so taking out cash to pay for milk fund etc
• take out cash for next 4 weeks for OH to spend over holidays for wee boy (going to have a set amount in an envelope per week), fingers crossed this stops overspending
• check for surveys
• set up spend spreadsheet for this pay
• check on-line banking
• brought lunch to work
• going for run after work

Think that's it - last day today then I'm off for 2 weeks, yeh :T
just days here and there so hoping for good weather... have a good day everyone x