Friday 6th Aug - 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

Morning everyone :wave: really procrastinating about getting ready today, still feeling under the weather but really can't afford to take the time off of work (am just about to come off of 1st stage absence management from last time I was sick) just hoping that paracetomal will get me thru ...

Today:

• lunch & dinner from stores
• [STRIKE]transfer VSP[/STRIKE] :j
• [STRIKE]update sig[/STRIKE]
• [STRIKE]check banking[/STRIKE]
• [STRIKE]worked out spending budget for the rest of the month[/STRIKE] by some frugal fluke after being really [STRIKE]stingy [/STRIKE] frugal all month I have more left over than I had thought I would so the next 2 weeks won't be so tight
• charge phone at work
• get petrol money off of girl I give a lift to
• pay above in to bank acc
• if the above two happen, make PAD to loan
• water toms tonight

I think that's it ladies, happy Friday x

OrangeFairy

Moooooooooooooooooooooooorning!

Just done 20 hard mins on the cross trainer - i am a sweaty mess!!!

I am ashamed to say today is not very DFW!!! :(:(:( I am having my hair cut, then i am taking a long lunch at work to meet my 14 year old sister in a restuarant for food. Then after work i am meeting my best friend for a girly evening. Well we are going to Wetherspoons to have a 3.99 meal and stay in there for a few hours as their drinks are the cheapest in town. So kind of a DFW evening as it could be worse!!

Well today (aside from the above)

check banking
one poll
work out my money
housework this morning
cross trainer - done
finish form i created at home for work - a gesture to show i am not taking the !!!! when i go for a long lunch AND dash out to the hairdresser!!
scratchies
surveys


Not looking forward to work. Tensions are high. I have been warned in advance that they are announcing for us to have proper contracts today due to them not being happy with the other staff! There are only 2 booses and 3 staff. The other day my boss was chatting about his annoyance with the other two saying if he had the time and money he would start over and get rid of 'those two' pointing at the other two desks!!! (they weren't there though!)

So nothing i am personally involved in but i still don't like the tension. Bad feeling in that environment unsettles me!

I hope everyone has a great friday! xxxxxxxxxxxxxxxxxxxx

OrangeFairy

DNMS - sorry to hear you are not well. I hope the paracetamol gets you through. I had 3 days of work ill this year which was kind of annoying at i hadn't taken a sick day in 8 years! Since i was 18. I almost went in becuase i didn't want it on my record but i was SO ill and ended up thinking better of it!!! xxx

determined_new_ms

Boo to work tension kle, but YAY to hairdressers, lunches with sisters & evening with best friends x

josiebabie

Morning all!
Well I wrote myself a list last night of stuff I need to do, a small shopping Mr T's list and a few other bits and peices.

- [STRIKE]Check banking[/STRIKE] not too bad really!
- Check for new bills coming in
- [STRIKE]Find new cable for laptop, mine went pop last night[/STRIKE] £37 :eek: but delivered tomorrow...
- [STRIKE]Picked a courgette off my plant this morning, will donate to one of my techs whose courgette plant isn't doing very well[/STRIKE] he was most happy
- Water garden
- Try not to dwell on rash on my face due to cutting back roses last weekend
- LSD, just a few bits from Mr T's
- Maybe pop to Mr T's at lunch time
- Tidy through when I get home, haven't been that motivated recently

Jx

Wannabe01

Good Morning Everyone,

Hectic day for me today.

My list of jobs is:

• [STRIKE]Catch up with emails[/STRIKE]
• [STRIKE]Take DS to his hospital appointment[/STRIKE]
• [STRIKE]Take old ring to Ramsdens [/STRIKE]Waste of time that was expected me to take £25 for it. :mad:
• [STRIKE]Pay cheques into bank[/STRIKE]
• Look into ways to make money from my blogs
• Clean and hoover upstairs
• Check onepoll
• Make homemade bread
• [STRIKE]Catch up with Twitter and Facebook[/STRIKE]
• Update sig and do an SOA
• Update blogs
• Sort diary for this week – Update online diary and 101 blog
• Catch up with laundry
• [STRIKE]Hairdresser Appointment – Just getting the basics[/STRIKE]
• Tidy and organise the kitchen
• Catch up with ironing
• [STRIKE]NSD – except the petrol for getting between places[/STRIKE]
• [STRIKE]Meals from stores[/STRIKE]
• Contact some companies to sort out direct debits
• Look into new freelance jobs
• [STRIKE]Phone my mum regarding next week[/STRIKE]
• Complete copywriting work
• Look into affiliates
• [STRIKE]Visit MIL[/STRIKE]

I think that’s everything that I need to do today. Hope everyone has a good Friday.

stitching_witch

Jo - you KNOW you're allergic to flowers! You should have got someone else to do the roses...

Okay, I'm hoping I can do accounts at work today so I can sit in my quiet office and not get hassled by my boss.


So far today:

• checked banking - dangerously low but not overdrawn
• not needed to run DW or WM as not full loads yet
• fed and watered chickens and asked for at least 3 eggs today
• boxed up eggs for a customer who had paid in advance :j

I will also:

• send DH shopping so he pays
• convince DH to collect a bag of shredded paper from my work for chicken bedding
• look at my August goals and 101 tasks lists to see what I can achieve over the weekend
• lunch from stores
• NSD for me!!

I worked out I have reduced my debt by over £2600 since 1st January. Not much by some standards but huge in-roads for me as I was unemployed for 6 of those months :T:T

nowpanicking

Good morning!

It's Friday, yeh!!! :j .... very grey here today, hopefully the weekend weather is better

Determined.... hope you're feeling better later on, it's a nightmare when you end up having to go into work just because of absence management systems!

Littlekel... enjoy you're lunch and evening out... even if we're being DFW we deserve the odd night out

My list for today: -

• check on-line banking
• check surveys
• try and buy lunch as cheaply as possible (cupboards and fridge bare at home)
• do big 4 weekly shop after work
• go for run at lunch time
• [STRIKE]register for half marathon[/STRIKE]
• make HM bread tonight

Quite a short list for me today... I'll update later if I can think of anything else... have a great Friday everyone x

WelshWoofer

Well done Stitching - that's fab!
Get well soon Determined! And stop fiddling with your rash Josie!
Oh, and LittleKel - have a shower!

Right, back to normal today - have to get over the shopping high of yesterday and stop spending again!

My list for today...

• Walk dog for free exercise
• Put out charity bags for collection
• Pick up library books
• Post letter to council so I get paid
• Post off mobile phone for cash (£39)
• Do lots of school work
• Catch up on Eastenders from last night on Skyplus
• All food from stores (fish and chips from freezer for tea)
• Try not to spend anything apart from postage
• Make sure shopping list is finished for tomorrow
• Not put petrol in even though the light came on yesterday - only a mile or two needed to drive today so will be ok (would walk but its blowing a gale and raining)
• Stay in (again) tonight
• Checked banks - no change
• Checked quidco - no change (give me my money!!!)
• Done 3 surveys and got chucked out of them all
• Tidy kitchen

That's all for now - see you later!

WelshWoofer

Sorry now panicking - you popped in before me and I didn't get a chance to say hello!

KingElvis

Just the usual from Elvis

Walked into work (it is 5 1/2 miles) and saved £4.50 bus fair.
Will use free coffee all day
Dinner will consist of left overs from the delegate buffet
May buy a can of Pepsi Max at 65p LOL
Will walk home again as it's a lovely walk and it's keeping me fit and slim
Tonights tea is Admirals Pie and Iceland oven chips
Sleep
Later on in the evening, some cash work on a computer system shall set me up with spare dosh for the weekend, I will be working from 20.00 until probably 3.00am :eek:
Then tomorrow it's on to lawn cutting and and getting ready for Sunday's boot sale.

All the best everyone.

Elvis