Thurs 15th 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

Gooooood morning lovely people:j
Well, after a complete waste of a morning at the hospital yesterday I must do something useful today! I waited 1.5hrs and was seen for 2minutes...'you look very well' he said, 'you can go'...gee, thanks!!What a check up...oh well, at least I have an appt next week with my Gastro doc I've been seeing for 10yrs, he'll be more useful:p

Ok, I'm seeing my college tutro tomorrow-she wasnts to see what I've done so far....eeeek, not much:eek: So, that's the plan for today - get some ideas going and plan a few of the short assignments.

Welcome to new posters - lovely to see new faces! And big hellos to all you regulars:T:T
Ok, my list:

• check banking - move tax credits to spending account
• daily scratch
• packed lunch for dd2
• dd can walk, its not raining so im not driving her to school!
• uni work preparation
• meal from plan tonight - salmon and jacket pots. I used you advice OliveOyl, put salmon in fridge to defrost yesterday afternoon, keep fridge running cost down for a day then! (I dont ever defrost in the microwave, dont like the way it does it, but like this tip rather than defrosting on the side!)
• NSD hopefully!

Hours of fun shopping online at Next last night - ordered stuff for my sis too....a few hundred pounds worth onto my acount:eek: Luckily all I ordered wont be kept - I mean, I don't need 5 pairs of jeans, just want to try them!!!

Have a great day;)

OliveOyl_2

Morning Millie and all who follow :wave:

I'm up early because I'm off to do my voluntary job today, and I've been waiting for this thread to open :rotfl::rotfl:

Really cold last night (-3 :eek:) but I moved an extra quilt from the spare bed and we were warm enough First time I've slept well for ages

So today I have/will:
must put out the bins - I keep forgetting.
Popeye is out tonight so I'll have a plate of pasta for supper - my favourite
MUST buy wood - we ran out last night so not a NSD.
Will roast some veggies for supper/freezer and that will keep me warmer
15 mins on the CT - I can't see any improvement but I'll keep on.
Pay car servicing bill on-line
Start collecting things together for our week away next week :j:j
I should count the reading the papers on-line as MS too.
Tomorrow I'm being taken to a place where there are bargainous clothes, so I must work out where there are gaps in my wardrobe, otherwise I keep buying the same things again and again

Have a great day everyone :A

catmiaow

Morning Milly and Olive and those that follow.

My list:

[STRIKE]Check bank
Do comps before work
Get some shopping for my nan and drop it in before work & collect her prescription at lunch time and drop it in
Get some things for myself while I am there, I must stick to list!
Go to work
See to pets
Take rubbish out[/STRIKE]
[STRIKE]Get something cheap for lunch today - didnt have lunch saved pennies[/STRIKE]
[STRIKE]Dinner on now - STRAVING
Check on washing hanging to dry
More comps after work[/STRIKE]
[STRIKE]Check job sites[/STRIKE]
[STRIKE]Paid car tax - full year saving £10.50[/STRIKE]
[STRIKE]Rang two estate agents need to get one with a new estate agent asap[/STRIKE]

Hope everyone has a good day!

determined_new_ms

Monring ladies - hope the fella becomes a regular (sorry too early to remember names! ) I was so tired yesterday I slept like a log last night :j woke up with confusion as to what day it was, then realised it is a working day , about 15 mins after I woke (gulping a cup of coffee) I realised it is Thursday and I only work till 2 today :j:j:j!

Good luck with you ideas Milly - you always seem full of them to me :A

Cat I am sending you lots of stick to the list wished

Olive hope you enjoy ur vol work (and feel very virtuous afterwards :A)

Sorry if someone posts before I finish my list and I haven't mentioned. And a big happy Thursday hello to all that follow :wave:

Ok today (completing the things I didn't yesterday!):

• post lovefilms
• [STRIKE]contact AA Savings re deposit letter[/STRIKE] - our holiday savings are sitting in a rubbish interest acc atm
• [STRIKE]check banking - move ebay earnings into my bank acc[/STRIKE]
• [STRIKE]last of leftover pasta for lunch[/STRIKE]
• [STRIKE]drive carefully to & from work[/STRIKE] (eek petrol light came on as going to work)
• get petrol
• [STRIKE]call cc to find out if statement has been issued[/STRIKE] which will determine how much petrol I put in done and made a complaint as I received poor service and received a £5 credit to my account as a gesture of goodwill
• [STRIKE]get mince out of freezer for tea [/STRIKE]
• [STRIKE]pay monies into bank[/STRIKE]
• [STRIKE]pay additional £5 (made from getting tobacco for colleagues) on to loan :j[/STRIKE]
• [STRIKE]updated sig to reflect additional £5 payment[/STRIKE]
• [STRIKE]order shower head off of ebay tonight[/STRIKE]
• [STRIKE]any available surveys[/STRIKE] did 3 and then lost enbthusiam
• [STRIKE]NSD[/STRIKE] :j
• [STRIKE]hm bread[/STRIKE]
• [STRIKE]sew t-shirt , jumper & boxers for ds[/STRIKE]
• make banana bread a bit too ambitios after all
• [STRIKE]put washing on after 9pm[/STRIKE] (not sure I get cheaper rates but going to hope )
• wash up instead of using dw paritally done
• researched risotto recipe to use up chicken in the freezer

feeling v motivated today :T
ok that'll do. Will check back later this evening

angelflower_2

morning all

- collect freecycle bricks
- apology email to freecycle slab people after getting delayed last night and being unable to collect
- might have to spend a few hours tonight tidying like a maniac as done nothing in the house for AGES and it looks like world war three in my living room
- regular check banking etc

determined new ms - can you not get your credit card online? I can and like banking, updates almost immediately so you always know where you are....great for those PAD's too!

determined_new_ms

angelflower wrote: »

determined new ms - can you not get your credit card online? I can and like banking, updates almost immediately so you always know where you are....great for those PAD's too!

I could I guess but I just got a £5 credit of goodwill becasue I received apalling cust service so i called back and spoke to a manager - wouldn't get that online

katey1979

I am going to do some more comps (fallen a bit behind, particularly monthlies), and want to look at changing my contact lenses so I can get them more cheaply. Oh, and sell my old mobile phone!

nowpanicking

Morning everyone

Not liking the weather at the mo... still raining here


My list for today is: -

• check on-line banking
• check e-mails for surveys
• check one-poll
• DH already been outside picking potatoes with DS - we have quite a few :T
• go for a run later on
• have salad for tea using bits and bobs from fridge and potatoes from garden
• take trout out of freezer today and put in fridge to defrost for tomorrow

Oliveoyl - great tip about defrosting in the fridge, never occurred to me that this would save energy

Katey - have you ever tried the gas permeable lenses? I had to get them when I first started wearing lenses (a few years ago now!) and have never changed to the soft ones. I think they take a bit longer to get used to but they only cost £60 a pair and usually last a couple of years (as long as your prescription doesn't change) so it's a massive saving.

Have a great day everyone, will update later x

unsavy_with_£

Hi everyone!

Hope you are all ok today! Well Ive been a bad girl today, got the cc bill, folded it in half to deal with later as oh at home today and I have had a spend. its terrible, i so need to get on top of it, need to be in right frame of mind. Dont need this stress at the moment. Need to sit down and work things out! Pay day in a couple of weeks.

Anyway having another lazy day which I am feeling terrible for. Am actually waiting for some works to be finished in babies room then I can get in there and continue sorting bits out not only putting all the bits in there but also collecting for ebay/tidying and decluttering! Its a mission.... I need to keep telling myself this.

Been also having a good think of where I can try to claim from. a couple of months ago i did a ppiclaim for an existing loan which I am still paying back. Anyway cut a long story short, they made me a offer which i signed and agreed to however they paid me £500 short and sent me a letter about this which I have discovered since filing them. So I need to write to them including copies of both letters and demand my money!!! Also going to put a claim in to capital one for charges. Its worth a try to go towards the cc fund!

still clearing the cupboards out in the kitchen! do need to get some basics today but wont be getting lots just the bare essentials!

Not happy with the weather, I have lots of washing to do and no space to dry on airer! we must do a sun dance!!!

Well its nearly the weekend!!!!

katey1979

Thanks NowPanicking! I tend to be rubbish at looking after my lenses, so will probably go for the cheapest monthlies I can get. I did have gas permeable yearlies at one point, but I managed to tear/scratch them too much.

elfen

Check surveys
Check onepoll
Check bank
Get shopping
Get proper bin
Get kagoule (all done so far)