Monday 19th 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

Good morning everyone, hope you all had lovely weekends;)
Slept in a bit today - I didn't get to sleep until about 2am so bleary eyed now and am off shopping with my sis.....coffee galore needed:D
I have my dd1 back from Germany and DD2 had a fab time seeing JLS on Friday - busy children. Last week of term....hooray, this time next week I'll be in bed:rotfl:
Ok, time for my list:

• daily scratch - did at 1.30am when I couldnt sleep:o
• check banking
• take bottle of water shopping
• make packed lunch for dd2
• keep spends low today if possible!
• use park and ride
• meal from plan tonight - spag bol/chilli
• mince defrosting - in fridge, but taking forever so have whipped it out!
• early night:T

Ok - have a great day, better crack on and get ready though I'd rather go back to bed!!!

determined_new_ms

Hi Milly (and everyone else) Monday already? I really do think weekends should be at least 3 days!
Ok just sitting and finishing off my coffee and then must get ready. I have a new girl starting today and she lives in the same town as me so I pick her up. Question how much shall I ask her to contribute to petrol? (I feel really bad asking as I earn so much more than her, but I put in £35 a week to dirve to work and am sure will need to put in a bit extra as its another person)

rachel - glad to hear you had a fab time! Gosh that week went quick...




ok today:

• [STRIKE]take leftover chilli to work for lunch (must be eaten today)[/STRIKE]
• [STRIKE]drive carefully to & from work[/STRIKE]
• [STRIKE]charge phone at work[/STRIKE]
• any surveys
• [STRIKE]check banking[/STRIKE] the same as it was on Wed, Thurs, Fri, Sat & Sun comes with not spending any money!
• water plants
• [STRIKE]contact CB to arrange payment plan for overpayment [/STRIKE]
• [STRIKE]set up AA savings account & transfer holiday money into it[/STRIKE]
• [STRIKE]fill in overtime sheet[/STRIKE] :D (am off being on call at 9 am :j shall be having a glass of cider tonight )
• [STRIKE]NSD[/STRIKE]
• [STRIKE]update sig [/STRIKE]
• sort out a transaction reversal through paypal for a t-shirt my ds bought. Have an email from ebay saying the iitem has been removed....:mad:
• [STRIKE]dinner from stores[/STRIKE] oh is making quesadilla mmmmmmmmmmmmmmmmmm (double mmmmmmmm as I'm not cooking )
• [STRIKE]speak to girl re petrol money[/STRIKE] have agreed £10/£15 pw wk depending on how many lifts she gets with me

ok that's my lot - have a great day

stitching_witch

Thanks for starting the thread milly. Every morning I try to beat Jo but end up posting at the same time and being below hers. Wonder if the same will happen today?


So far today:

• run dishwasher overnight on Economy 7
• run washing machine overnight on Economy 7
• checked for surveys
• checked banking - final PPI payment gone in after waiting 6 weeks :j
• sent 6 eggs to work with DS3 for a customer

I will also:

• hang washing on line or airer depending on weather forecast
• take a lunch in to work
• make dinner from stores with allotment veg from freezer
• have an NSD
• have a good day at work as no boss for 2 days

On Saturday I called BT to find out why I wasn't getting free evening calls as I was sure that's what I signed up for years ago. To cut a very long story short, I reduced our standing charges from £100 to £75 a quarter, with free evening and weekend calls and a new home-hub too. It just takes the magic words "time to look for another supplier" and they can find a better deal.

Pippilongstocking

Morning chaps

Trying to get back into a routine here

Today
Check banks - all dd's are paid and now I can figure a plan with anything extra
Water plants - done
Check CC's paid an extra bit off one this month already so put more on it today -
Feed hens - done
PAD to something probably cc - PAD for cc done
Drive to work carefully
Take in brekie/lunch and sort out tea - done
Take dog as well, walk on beach at lunchtime
Do lots of work
See about old compost at work
See about some polytunel space at work for some cuttings
Read electric meter
PIck some tomatoes and freeze (picked some red/some green and leaving in a bowl on window sill to ripen to give rest of fruit a chance to get on with growing)
eat up fruit in fruit bowl - taken some for work
get some mroe bird food or look online for a quidco supplier that delivers here
Unpack one box
Do some gardening later


Why is it sunny on the day you have to go to work and pants weahter for most of the weekend?

Morning to you all, welcome to new folks (do post it does help) and thanks for starting the thread milly x

Wannabe01

Good morning everyone, hope all is well. I’m trying to get organised and get some sort of routine therefore I have a rather long list today.

My debt free jobs for today are:

• [STRIKE]Catch up with emails[/STRIKE]
• [STRIKE]Catch up with Twitter and Facebook [/STRIKE]
• Look into old survey, mystery shopping and scratch accounts and change email address - laptop controls will not allow me to do this so I will do it when the new broadband is up and running.
• [STRIKE]Check bank account [/STRIKE]- furious as money is still not in my bank account from Scottish Hydro
• Look into renewing car insurance can't do until money is repaid into my bank account
• [STRIKE]Catch up with mystery shopping accounts[/STRIKE]
• [STRIKE]Catch up with survey accounts[/STRIKE]
• [STRIKE]Sort out the new broadband[/STRIKE]
• [STRIKE]Sort through bills and pay anything that is due[/STRIKE]
• [STRIKE]Phone electrical companies regarding the error in direct debits [/STRIKE]its like banging my head against a brick wall still not happy with the outcome so will phone again tomorrow
• Phone the bank regarding the indemnity claim its like banging my head against a brick wall still not happy with the outcome so will phone again tomorrow
• [STRIKE]Catch up with the old email account – deal with anything important[/STRIKE]
• Catch up with the ironing
• [STRIKE]Have a shower instead of a bath [/STRIKE]
• Look into the price of a greenhouse
• [STRIKE]Catch up with party plan work – organise diary[/STRIKE]
• [STRIKE]Catch up with temping paperwork – organise diary[/STRIKE]
• [STRIKE]Feed the cats and dog[/STRIKE]
  
• [STRIKE]Walk the dog[/STRIKE]
• Sort student finances for September
• [STRIKE]Complete copywriting work[/STRIKE]
• [STRIKE]Conduct calls for OH regarding debts[/STRIKE]
• [STRIKE]Catch up with forum – sort signature[/STRIKE]
• Look into new money making ideas
• [STRIKE]Spend some time with DS and OH[/STRIKE]
• Early night (I didn't get to sleep till the early hours)

redsam

Morning all - I really like this thread and reading al your posts and I am glad to be part of it..

Today...

-post scrabble game that i sold on Amazon
-clean bathroom and out washing away
-sort items for ebay
-wait for person to collect microwave that I sold on Gumtree
-make my sealed pot for the extra cash to stash away for debts if i dont get a job for september!
-this evening Punch workshop and swimming at the gyn (paid a yr in advance so cant cancel memebership save cash!)

WelshWoofer

Morning all!
Had a lovely (but very hot!) holiday in Turkey (thankfully with Thomson not the company that went bust!). But now I'm fat, skint and have 6 weeks off before I go back to school in Sept.

We had a 9 hour delay on the way back (all night in the airport, lovely!) and then I had to jump straight in the car and drive to South Wales to rescue the dog from the kennels (and my mum's dog) and drive all the way home again - about 8 hours driving in total yesterday. Mum is now on hols and so I have two furries to look after this week -dogs were only in prison for 1 night so not too bad for them.


Today's list (trying to get into a routine like Fay)....

• Do 2 loads of washing (did one yesterday) and line dry
• Checked banking :eek: (does anyone else have a Lloyds online account -its all changed)
• Walk dogs - done 1 already
• Go food shopping with a list (not written yet) and a £10 off a £50 voucher from Mr S
• Post Amazon book sale
• Do car tax - only £20:T
• Post new contract for job back - I queried whether they could start me off further up the scale and they did - works out to about £100 take home pay a month more:j
• Sort through bills and post received whilst away
• Get OH to mend hoover
• Clean through the house
• Get boiler repair sorted - now we're back I don't want to rely on the immersion for hot water:o
• Take library books back
• Weigh myself ready to start diet tomorrow when OH goes back to work
• Go through budget again to see if I can economise anywhere - doubt it but will try anyway (don't get paid until 10th Aug -seems a long way away)
• Investigate whether we can claim anything for delays etc

That's all for now - have a good day.

catmiaow

Morning all,

My list for today:

[STRIKE]Check bank
See to pets[/STRIKE]
[STRIKE]Had to use car to collect nan prescription and drop it in but she gave me petrol money so got petrol after
Do some comps before going out and when get back
Check job sites[/STRIKE]
Check website again for interview tomorrow
[STRIKE]Email people back[/STRIKE]
Book hotel night - free as well as cashback when I took out my new mobile contract - have to call back on 13th aug
[STRIKE]Cancel estate agent app, have decided to go with another estate agent who is coming out on 28th[/STRIKE]
[STRIKE]Go to the cinema, paying for my own ticket but getting taken there and back for free, paid for drinks. Joined club for 1.99 and already have 500 points, emailed them as released when I got home I should have been given a free dvd[/STRIKE]
Dinner from plan - Soup
[STRIKE]Take rubbish out[/STRIKE]

Hope everyone has a good day

josiebabie

No mum, you beat me today!

Had my first morning in two weeks having to dress DD and take her to nursery, forgot how much of a fight it is to get her dressed! Still, I have missed her and she is soooo lovely :):)

My DFW list today:-
- Check banking
- Sell two purges
- Check CC's
- Left purse at home, don't need anything
- Left mob in car, no texting!
- Do some OnePoll
- Dinner from stores
- Must move my car to save getting ticket! Have just been informed by a tech that they have now put parking restrictions where I have parked!!!
- Lunch and snacks from stores
- Tea from frozen left-overs

Jx

redsam

I have applied for for jobs I dont really want to do long term..but need a job!

Wee_Jo

Hi DFWs! :hello:





Busy busy today - so hopefully day will pass quickly! Today I will be mostly:

• [STRIKE]Checking bank accounts[/STRIKE]
• Pay off more from credit card
• [STRIKE]Having packed lunch[/STRIKE]
• [STRIKE]Drinking free tea[/STRIKE]
• Tucking into my homemade florentines
• Doing meal plan and shopping list for this week
• [STRIKE]Doing A$da survey to enter £1000 prize draw[/STRIKE] Fingers crossed!!
• Checking if utilities people have responded about switching
• Making meal from stores
• Making a chicken soup from roast chicken carcass

Think that's it for now!

Jo