Friday 13th Aug - What small DFW things will you do 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: I'm so cautious now about starting the thread after Wednesday's [STRIKE]!!!! up[/STRIKE] triple thread :rotfl:ok just gonna pray its ok! Yay its Friday :j a few more hours of work misery and then freedom for 48 hrs (seems such a short amount of hours )

Ok must write my list quick & jump in the shower...

• [STRIKE]check banking [/STRIKE]
• [STRIKE]check cc1[/STRIKE]
• [STRIKE]update VSP [/STRIKE]:j
• leftovers for lunch
  
• drive carefully to & from work
• post bliming royal mail insurance claim :mad:
• get petrol money off of girl I give a lift to
• charge phone at work
• do some surveys
• drink free wine tonight (2 friends came for dinner last night & both brought a bottle of wine but only 1 was drunk, but they wouldn't take it back!)
  

I think that's it(?) seems like a pretty lame list but its all I can think of! Have had a busy social week this week (its either feast or famine isn't it? :rotfl:) went for a meal at Pizza Express on Wed but my friend inisited on treating me so that was free then last night I made sausage caserole (cost to me, probably £2 for 3ppl and both girls brought wine & desert so with 1 cake & a bottle of wine I entered in to profit!!!)

Happy Friday everyone xxx

determined_new_ms

oooo something to add! I think I will start again with the running programme tonight :j

josiebabie

Morning all!

Didn't get a lot acheived last night but definately need to tonight or my weekend is going to be COMPLETELY taken up, and DB3 is taking me and DD to the zoo on Sunday!

- 2 x HC tonight
- General clean and tidy round, in desperate need of this!
- Do all washing up etc
- [STRIKE]Speak to friend or bodyshop about free tickets to supercars event tomorrow, we have a stand up there but the stoopid salemen have given all their free tickets away[/STRIKE] blagged, plus free champagne and food from a contact at the Bentley stand
- [STRIKE]Claim my 4x large bars of fruit and nut choc from salesman for referals given[/STRIKE] I am going to be FAT!
- [STRIKE]Check banking[/STRIKE]
- [STRIKE]Check CC bills[/STRIKE]/mob bill
- Start writing my to do list for the weekend
-[STRIKE] Await ex's laptop delivery, bought on Amazon for £45 cheaper than what he was looking at...thus earning me £45![/STRIKE] :rotfl:
- [STRIKE]Finish writing Mr T's list [/STRIKE]and buy it
- Check where I am with my budget for the month/remaining etc
- [STRIKE]Had a friend round for pizza and film last night, she bought the pizza and had loads left so brought it in for my lunch....nom nom[/STRIKE]

There's a few bits and peices there to be getting on with!
Jx

starnac

Morning all. Got quite a few things done on my list yesterday but only got a week til the housewarming now and the house is still no where near ready

my list for today

cut in alcove
last coat on passage (I hope)
put up pictures in dining room done
more weeding (it would probably be quicker to pull out all the actual flowers) loads to do but done the bit I had marked out for today
clean 2 windows upstairs done
occupy DD all day
visit mam done

that's all for now I think. Happy friday everyone x

WelshWoofer

Morning all!

After a bonkers financial day yesterday sorting evrything out with the bank and paying off my CC and 2 loans (one that I counted and the conservatory repayment that I didn't - sort of thought of this as part of the mortgage) its back down to earth today.

I've done a new budget taking into account my new situation and it doesn't look too bad - allows me to pay off the new arrangement with the bank with a kind of 3 for the price of 2 thing going on, live fairly comfortably (not extravagantly!) and have enough to save a bit and/or make overpayments. :j

Its a bit of a strange feeling seeing the CC paid off and in a little bit of credit and the direct debit list shrunk right down!

Anyway, back to reality and doing the DFW little things so I can stick to the budget and and make inroads faster than planned......

• All food from stores
• Buy just 2 rolls for burgers tonight
• Walk dog for free exercise
• Do at least 2 hours school work
• Bath dog - didn't get round to it yesterday with all of the excitement
• Stay in and watch the soaps
• One load of washing and try to dry naturally indoors
• Do any surveys that come
• Check item I'm watching on ebay
• Post letter to loan company closing the account
• Phone CC company to reduce the daft credit limit (why do they keep putting it up?)
• Have already transferred my spending money for our minibreak (already paid for) in the lakes to a "holding" account so I don't spend it
• Book hotel for boxing night in Sept using quidco if possible
• Finish shopping list for tomorrow

That's all I can think of for now - have a good day.

stitching_witch

Yipee - it's Friday!!

I've not done much this morning as my motivation has disappeared (if anyone finds it, please send it home to me)

So far I have:

• made a lunch for work
• put phone on charge at work

I will also:

• have dinner from stores
• have an NSD

See? What happened to my long lists?
And I'm determined to enjoy my weekend and NOT write a list of 50 housework jobs this week, although the house probably needs it. :mad:

Wannabe01

Good Morning Everyone,

It’s been a few days since I last posted as I have been away on a camping holiday.

I have a fairly long list for today as I need to try and catch up.

• [STRIKE]Catch up with emails[/STRIKE]
• [STRIKE]Catch up and update Twitter, Bebo and Facebook[/STRIKE]
• [STRIKE]Quick shower[/STRIKE]
• [STRIKE]Sort through the pile of post and do the required work [/STRIKE]
• [STRIKE]Look into new freelance jobs[/STRIKE]
• [STRIKE]Sort figures for party plan and submit[/STRIKE]
• [STRIKE]Sort through blogs and make new postings[/STRIKE]
• [STRIKE]Complete copywriting work[/STRIKE]
• Update online diary and signature
• Catch up with the laundry – hang outside if it stays nice - Managed to get some of this done
• Catch up with the ironing Got some done
• [STRIKE]Check bank accounts[/STRIKE]
• [STRIKE]Check mystery shopping sites[/STRIKE]
• Do a new budget for August taking into account any bills that have came in whilst I was away
• [STRIKE]Catch up with onepoll[/STRIKE]
• [STRIKE]Update 101 list and blog[/STRIKE]
• [STRIKE]Send required payments[/STRIKE]
• Organise the new blog and schedule the required work
• Sort menu plans for next week and sort a shopping list
• Sort letter for the bank
• [STRIKE]Contact old client regarding work[/STRIKE]

I think that is everything that I need for today. This should be enough to keep me busy today as I still feel half a sleep.

catmiaow

Hello all,

My list for today:

[STRIKE]Email friend back
Check out FB
Have a lie in
Do some comps before going out[/STRIKE]
P[STRIKE]ut cake in fridge to defrost before going out
Check bank
Catch up on yesterdays thread no time last night
Tidy after cats and take rubbish out
See my mum and drop some stuff off there
Relax before OH comes back[/STRIKE]
[STRIKE]Tidy kitchen
OH friends coming over for dinner
Tidy up after they leave
More comps[/STRIKE]
[STRIKE]Ring my nan with free mins[/STRIKE]
[STRIKE]Vacuum house through[/STRIKE]
[STRIKE]Check washing hanging up[/STRIKE]


Hope everyone has a good day

elfen

NSD
Check quidco
Check surveys

crisispoint914

I am new to this so here goes:

wash last night dishes after being really lazy check
1st load of washing already on airer check
2nd load in as I type! check
post rsvp for friends wedding check
post letter to try to reclaim bank charges (approx £3k in 2 1/2 years) wish me luck!! check
some ironing
hoover all through
put up some pictures (I moved house 4 weeks ago)
and finally NSD check

nowpanicking

Morning everyone, it's Friday and it's sunny yeh!!!:j

Busy at work today as I break off for a week tonight and I have to leave early as we're getting the house valued tonight.

Didn't manage to post last night but I managed my long run so quite happy ... ended up having to tidy the whole house when I got home so didn't get a chance to check bank or do surveys

Anyway, my list for today: -

• check on-line banking
• check surveys
• bring lunch & breakfast to work
• go for a run at lunch time
• tea per meal planner
• make HM bread tonight

That's it I think, really small list for me today.

Have a great Friday everyone x