Tuesday 20th July - What small DFW things have you done today?!

determined_new_ms

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


Morning everyone - welcome to all of the new posters - yay to new peeps to the thread :j stick with us. This thread is very welcoming, non-cleeky, and definately holds with the philosophy "the more the merrier"

Milly sorry to beat you to starting the thread but I have been so excited about today (pay day) that I was up at 6am!

So I've cleared my second od today and brought my loan down to under £1000 (see my sig) :j:money:! While its wicked to wish my life away but I've been counting down the days all month!






Ok today:

• [STRIKE]check banking[/STRIKE]
• [STRIKE]pay rent I've been holding in my bank acc since beginning of month (so I didn't get od interest charged) [/STRIKE]
• [STRIKE]email guy off ebay who I bought the shower hose from and request a replacement as its faulty so annoying we've been having to have baths for the last week...[/STRIKE]
• work out how to make purchase reversal through paypal
• [STRIKE]make pizza base this morning while working from home[/STRIKE] also made the tom sauce, just need to put it all together later you gotta love "working from home"
• [STRIKE]clean round downstairs toilet floor (there's a leak, have a plumber coming to fix it today and want to save myself some embarrassment!)[/STRIKE]
• [STRIKE]use up last of humous in pitta for lunch (needs to be eaten today)[/STRIKE]
• feed toms/[STRIKE]chillis[/STRIKE]
• [STRIKE]NSD[/STRIKE]
• pa[STRIKE]y tennis after work with oh, friend & her oh[/STRIKE]
• [STRIKE]update sig[/STRIKE]
• [STRIKE]go for a walk with oh this evening for some laughter & quality time[/STRIKE]
• [STRIKE]had a smoothie for breakfast using up some elderly fruit[/STRIKE] mmmmmm was delish!
• [STRIKE]watering can under the leaking tap so as to not waste money[/STRIKE] is fixed now :j
• [STRIKE]give ds completed dd paperwork for his gym membership[/STRIKE] in his gym bag for later
• post cheque to CB re overpayment
• [STRIKE]make sundried tom bread[/STRIKE]
• wrap up hose to post tomorrow
• bag up money to pay into the bank while I'm at the po tomorrow
• [STRIKE]Sold moses basket etc[/STRIKE]! Extra £25 towards the loan

I think that's it. I hope you all have a wonderous Tuesday x

redsam

I am nice and early this morning as I have been awake since 3am! Too much stress worling in my head.

But today..

change bank details on amazon selling account
stand on scales to see if I have lost any weight!
pay NUT fees ( and pray they give me the advice i need)
GP appointment, hopefully be signed fit to work
contact HR
hair cut - last one for a while
Aqua fit tonight
try not to cry and stress

Hope everyone has a fab day.

josiebabie

Determined don't forget the smiley at the start! Thanks for starting the thread tho, I'm an early bird as well today.

Today I have/will:-
- [STRIKE]Checked banking, CTC and CB have gone in[/STRIKE] not bad!
- [STRIKE]Write small top up shop list tonight for Mr T's tomorrow[/STRIKE] and went to Mr T's at lunch as well! I realised I'm at an awards thing tomorrow, and I'm nominated :eek:
- Try and update spreadsheet at work, keep forgetting
- NSD - went to Mr T's so not happened, though only bought groceries
- Catch up with friends via FB tonight
- [STRIKE]Lunch and snacks from stores![/STRIKE] good so far!
- Sell at least one purge? no opportunities
- [STRIKE]Update sig[/STRIKE] done
- [STRIKE]Took mince out of freezer for[/STRIKE] something mincy for dinner!
- Sparkle! Boss not in...lol

Jx

Right I decided my list wasn't ambitious enough so am adding more!
- 1x HC when I get home
- A bit of weeding
- Cut back rose and try to reattach to porch
- Try and sit down a lot of the day as I have discovered a cut in my trousers! Not a tear, a cut!!! Looks like with scissors! How strange!
- Try not to sit down with a tub of ice cream when I get home and munch the lot!

determined_new_ms

josiebabie wrote: »

Determined don't forget the smiley at the start!

Jx

as requested!

determined_new_ms

redsam wrote: »

I am nice and early this morning as I have been awake since 3am! Too much stress worling in my head.

But today..

change bank details on amazon selling account
stand on scales to see if I have lost any weight!
pay NUT fees ( and pray they give me the advice i need)
GP appointment, hopefully be signed fit to work
contact HR
hair cut - last one for a while
Aqua fit tonight
try not to cry and stress

Hope everyone has a fab day.

{{{hugs}}} redsam. Try not to stress any worries you have can be resolved, things will work out ok in the end they always do. Money is just money, your life & health are much more important xxx

mogchops

Good morning all,

Thanks for starting the thread Determined, its my pay day too whooop!! :j

Today:
- check online banking (yayyy healthy :rotfl:)
- online Tesco shop being delivered tonight
- packed lunches all round
- shower instead of bath
- hokey cokey
- elder DD's sports day this afternoon if it stays dry
- do all comps ending 21/7
- hoover through & tidy up

Have a lovely day everyone xx

pixiechick99

Payday??! Not for me until next week...bah;)

Congrats DNMS on paying off that o/d:beer:

OK...quiet day for me after my day out shopping yesterday. Have £2 in my spending account, £15 due back in that was a refund in Next - will not use that account until Thurs when tax credits go in.

Ok - here's my list for today:

• check banking
• daily scratch
• meal from plan tonight - chicken and noodles
• finish uni assignment that's due Fri
• packed lunch for dd2
• text ex-h to ask for some of the money he owes me - possibly a waste of time, he'll say ok and then plead poverty:o
• washing on quickwash
• washing on line
• hoover through downstairs

Right....that's enough for me!! Have a great day:D

stitching_witch

Morning all. Not a great deal going on here today, so a bit of a boring list for me.


so far I have;

• checked banking - no change since yesterday, thank heavens
• checked for surveys
• sent CV off to a payroll agency - anything has go to be better than the job I've got
• fed and watered chickens and asked for at least 3 eggs today
• got paid £2 for eggs sold

and I also hope to:

• take lunch in to work (if I can find anything to take!!)
• make dinner from left over roast beef - chilli perhaps
• send DH shopping so he pays
• have a quiet day at work as boss isn't in until 4.30 today
• go to allotment to pick raspberries this evening
• put on a batch of yogurt before I go to bed

That's enough for a Tuesday I think!

Pippilongstocking

Hello chaps

My first thing is to wish my DD a very happy birthday - she's in France, at her Dads, so I've just spoken to her - bless she's rewrapped her pressies from us and opened them again today! SHe sounds great......................xxx

List today

Check banks
Check CC's
PAD to something
SOrt out phone bill
Sort out electric reading
Sort out the turf I lifted last night and organise it in a nice heap so it will turn into lovely loam
Check on the garden project at work, the chap is away
Drive economically
Pop a birthday card into a chum on the way home
Make HM bird cake for the birds with lard/birdseed and a newspaper (very blue peter)
Make lunch today for work
Walk dog
Do more gardening later and free up the fish boxes I've got for other plants/cuttings
Email a guy in Shetland about getting some free trees when I'm there on Monday
Organise brother ot dog sit when I'm away
Sort out more work and work really hard today
Empty two boxes, didn't empty any yesterday
Must phone WTFC and do my update - its July that's the cut off isnt it? Somewhere in moving my update form is now vanished
Put some laundry away, hide the iron, its only used for emergencies and is greener that way
Finish the revisions to my chapter
Watch some downloaded tv
Phone clubcard to change address
Check out pet suppliers online with quidco - so far found zooplus - anyone used them?
Must start doing survey's again


Not sure what else today - lots of lovley new faces - great

nickynoo08

Morning everyone

so far today i have done....

• daily clicks
• checked online banking
• loaded d/w
• loaded w/m - again!

Still to do today....

• storecupboard lunch and dinner
• write a list of free days out for summer hols
• meal plan for week
• put yesterdays washing away
• sort some clothes for charity
• hopefully get a few more surveys done
• free scratchies - i'm almost ready to redeem a fiver

Had some good news last night too. I've managed to get my little un's birthday present sorted. Getting him a Ds that i'm buying from my aunty for £50 so we'll be saving at least £45:T

Have a fab day everyone

Wannabe01

Good morning everyone, hope all is well. I’m still trying to get organised into some sort of routine.

My jobs for today are:

• [STRIKE]Catch up with emails[/STRIKE]
• [STRIKE]Catch up with Twitter and FaceBook[/STRIKE]
• [STRIKE]Look into old survey, mystery shopping and scratch accounts and change email address[/STRIKE]
• [STRIKE]Check bank account[/STRIKE] Money has still not been repaid by electric companies
• [STRIKE]Look into moving bank accounts[/STRIKE] new account opened online now to get everything moved over
• [STRIKE]Phone electrical companies regarding the error in direct debits[/STRIKE] I think I may eventually have this sorted will wait to see if the money goes back into account on Tuesday :j
• [STRIKE]Phone the bank regarding the indemnity claim[/STRIKE] they are useless I'm sure a child could do better
• [STRIKE]Catch up with the ironing (and put it away)[/STRIKE]
• [STRIKE]All meals from stores today[/STRIKE] I've decided to start making dishes in bulk and freezing some
• [STRIKE]Have a shower instead of a bath[/STRIKE]
• [STRIKE]Look into the price of a greenhouse[/STRIKE]
• [STRIKE]Feed the cats and dog[/STRIKE]
• [STRIKE]Walk the dog - free exercise[/STRIKE]
• Sort student finances for September I will leave this until tomorrow as the office I need to phone will be closed (1st job in the morning)
• Spend some time with DS and OH
• Sort out the accounts for the business I will leave this until tomorrow as printer has decided to jam therefore can't print info from paypal
• [STRIKE]Clean and tidy the living room[/STRIKE]
• [STRIKE]Interview for a part time job[/STRIKE] I will know by the end of the week, I hate the waiting.
• Schedule time to sort course work
• Catch up with temping paperwork
• [STRIKE]Complete copywriting work [/STRIKE]
• Get an early night and catch up on sleep (not had a proper sleep for 2 nights)
• [STRIKE]Sort diary so that I am better organised[/STRIKE] I think this is done, I just need to stick to it now.
• Look into what local boot sales are on at the weekend I'm going round in circles with today I will leave it until tomorrow and try again, it will still give me a couple of days to get organised

I think that’s enough to be getting on with today. Hope everyone has a good Tuesday.