Wed 21st 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

Ok, try again - just wrote half of my reply, went to get dd's breakfast and pc crashed...grrr:mad:

So, 2nd hospital appt today - with the gastro doc I've seen for years, musr remember to ask all the qs I forgot last week...or didnt have time for!!
Must do some uni work this morning. I handed one assignment in to my tutor yesterday - early!!hoooray, one down....!!:beer:

Have dd2's end of primary performance tonight, should be fab. Bit sad she's leaving but she can't wait!

Ok, better do my list, time is ticking on...:

• daily scratch#
• check banking
• park and ride to hospital later
• uni work this morning
• packed lunch for dd2 to school
• meal frrom plan later - chicken and noodles
• LSD - cuppa at hospital later maybe!

Not a very big list....I just need to concentrate on the assignment this morning:)
Have a great day everyone:j

determined_new_ms

Good morning Milly & everyone. Feeling really fed up today, had an arguement with ds last night, and obviously worried about the meeting tomorrow ...


Ok today:

• [STRIKE]read Martin's email[/STRIKE]
• [STRIKE]update sig[/STRIKE]
• [STRIKE]pay in money from sale of baby bits & make extra payment to loan [/STRIKE]
• [STRIKE]pay iinto bank £5 in penny pot & £10 ds' friend's money towards food[/STRIKE]
• [STRIKE]transfer £5 into saving account[/STRIKE]
• [STRIKE]charge phone at work[/STRIKE]
• [STRIKE]send orange wednesday text[/STRIKE]
• [STRIKE]Make & take popcorn to cinema (will be making at work so "saving" electricity )[/STRIKE]
• [STRIKE]get bag of sweets & drinnks at supermarket for cinema[/STRIKE]
• [STRIKE]drive carefully to & from work[/STRIKE]
• water plants tonight
• [STRIKE]hm bread[/STRIKE]
• [STRIKE]wrap Amazon sale[/STRIKE] :j
• [STRIKE]wrap shower hose to return tomorrow[/STRIKE]

ok that's enough have a good day everyone x
Update had a chat with ds and sorted things out :T I hate arguing with ppl

stitching_witch

Thanks for starting the thread milly - you just beat me to it!

So far today I have:

• run WM on Economy 7
• run DW on Economy 7
• fed and watered chickens and requested more than ONE egg today!
• checked for surveys - only one so far
• checked banking - amazingly nobody has deposited £25,000 for me :rotfl:
• made yogurt which will be ready when I get back from work
• made a lunch to take to work

I will also:

• send DH shopping so he pays (I remember saying that yesterday :mad:)
• grab a lift with DS3 so I don't use my petrol
• have a good day at work as it's accounts/payroll day not the awful admin
• have an NSD
• research the Cotswolds as DD, DGD and I are having a day out on Saturday :j

Catch up later, have a good day everyone

josiebabie

You beat me to it mother!
Well done to Milly for handing assignment in early! Bet that feels good after struggling? :beer:

Today I will/have:-
- [STRIKE]Dropped DD off at "daddy's new house" for the first time[/STRIKE]
- [STRIKE]Check banking[/STRIKE]
- Going to Poole this evening for "awards ceremony" I am up for an award but it's all such a farce I can't be bothered
- Free food/drink at above event! No need to cook
- Lunch and snacks from stores
- Do some onepoll
- Grill boss on where he was yesterday, on a jolly somewhere with the manufacturer I suspect when all we got were stupid thank you letters!
- NSD? Don't really need anything
- Check when car tax runs out, haven't budgeted for this! Agh!

Jx

catmiaow

Morning all,

Good luck with the assignment Milly and Good luck with the hospital appointment.
Cheer up DNM, I am sure it won't be too bad. Hope the meeting goes well
You are too organised Stitching Witch
Good luck on keeping today a NSD Josie

My list:

[STRIKE]Check banking
See to pets
Take rubbish out
Do comps before and after work
Check jobs - at work saving my time later
Go to work
Use free texts and mins[/STRIKE]
[STRIKE]Dance later[/STRIKE]
[STRIKE]Dinner from stores
[/STRIKE]
Hope everyone has a good day!

Pippilongstocking

Morning all

YOu lot are busy this morning, Catmiaow, what kind of dancing?

Today I'm very sleepy - its so quiet in the house, nothing to disturb me - great but means I sleep to long!

Check banks
Pay phone bill, forgot yesterday
PAD to somethinng, probably cc
Take lunch to work and a snack as we have an open evening
Take dog for a walk later
Work hard and start a new section
Do revisions of other section if I can today
Download more iplayer to watch later
Do some gardening if its nice later
Pick more tomatoes
Water tunnels at work as the chap how runs things is away
Weed my veggie garden at work, started last night, but the weeks are significant!
Do something nice today - maybe read my magazine
Must get in touch with tax credits - didn't manage this yesterday either - came home later and collapsed
Get in touch with brother about looking after dog later next week when I'm away

Half way through the week, and I feel like I haven't got anything done this week!

I hope you are all good!

Pippilongstocking

stitching_witch wrote: »

Thanks for starting the thread milly - you just beat me to it!


So far today I have:

• run WM on Economy 7
• run DW on Economy 7

Catch up later, have a good day everyone

Stitching witch - I'm new to economy 7 - infact the lady on the phone when I tried to switch to another company told me I couldn't because I was on economy 11 (?)

Anyway my question is this - how do you know when to put the machines on to use the cheap electric - is there a set time or can you easily find out?

Thanks! I hope you enjoy your day out in the Cotswolds that sounds lovely!

catmiaow

fayjmck wrote: »

Morning all

YOu lot are busy this morning, Catmiaow, what kind of dancing?

Today I'm very sleepy - its so quiet in the house, nothing to disturb me - great but means I sleep to long!

Check banks
Pay phone bill, forgot yesterday
PAD to somethinng, probably cc
Take lunch to work and a snack as we have an open evening
Take dog for a walk later
Work hard and start a new section
Do revisions of other section if I can today
Download more iplayer to watch later
Do some gardening if its nice later
Pick more tomatoes
Water tunnels at work as the chap how runs things is away
Weed my veggie garden at work, started last night, but the weeks are significant!
Do something nice today - maybe read my magazine
Must get in touch with tax credits - didn't manage this yesterday either - came home later and collapsed
Get in touch with brother about looking after dog later next week when I'm away

Half way through the week, and I feel like I haven't got anything done this week!

I hope you are all good!

Tap dancing, doing my silver medal in it this year

stitching_witch

fayjmck wrote: »

Stitching witch - I'm new to economy 7 - infact the lady on the phone when I tried to switch to another company told me I couldn't because I was on economy 11 (?)

Anyway my question is this - how do you know when to put the machines on to use the cheap electric - is there a set time or can you easily find out?

Thanks! I hope you enjoy your day out in the Cotswolds that sounds lovely!

Fay, If you're on Economy 11 then I'm jealous! I phoned my electricity supplier and asked which my cheap rate hours are. In fact, due to some historical fluke, I have cheap rate between 11.30pm and 7.30am making 8 hours.

My washing machine has a built in time delay so I set that before going to bed and then the dishwasher and various other things have plug-in timers.

I know it's worth it as the last estimate was waaaay out. I'd used more night units and far less day units than their estimate and my bill was reduced by nearly £80.

Pippilongstocking

stitching_witch wrote: »

Fay, If you're on Economy 11 then I'm jealous! I phoned my electricity supplier and asked which my cheap rate hours are. In fact, due to some historical fluke, I have cheap rate between 11.30pm and 7.30am making 8 hours.

My washing machine has a built in time delay so I set that before going to bed and then the dishwasher and various other things have plug-in timers.

I know it's worth it as the last estimate was waaaay out. I'd used more night units and far less day units than their estimate and my bill was reduced by nearly £80.

Thanks I'll investigate, the lady on the phone said I was economy 11 - but didn't explain it properly either - just meant I couldn't switch to the provider I wanted, but when I asked what the number meant she did say the hours you get the cheap rate, so I was confused - thanks for the tips, my machine also has a time delay - I'm trying to get into the habit of using them at night and putting phones etc on at that time too.

Much appreciated xxx

Pippilongstocking

catmiaow wrote: »

Tap dancing, doing my silver medal in it this year

Wow - brilliant stuff - I'm so jealous, I'm not talented at all - good luck with it all