Friday 20th 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, Happy Friday to all, esp those who don't have to work tomorrow, unlike me . But on the bright side its payday for me :j and I'm also going into work slightly later (9am!) :j

Went out for a meal with a friend last night, which was nice to catch up, spent £17 which was a little more than I was hoping for but ok (have spent £17 for 3 meals out in the last week and a bit )

So today:

• [STRIKE]check online banking[/STRIKE]
• [STRIKE]pay loan [/STRIKE](I'm getting there:j)
• [STRIKE]do VSP[/STRIKE]
• [STRIKE]update sig[/STRIKE]
• [STRIKE]post CB overpayment[/STRIKE]
• [STRIKE]post royal mail insurance claim[/STRIKE] I ACTUALLY DID IT!!! :j
• [STRIKE]charge phone at work[/STRIKE]
• [STRIKE]lunch from stores [/STRIKE](always gets a bit desperate at the end of the week :rotfl:) toast...
• [STRIKE]drive carefully to & from work[/STRIKE]
• get something out of the freezer for dinner
• water toms
• pick ripe toms
• [STRIKE]turn off hot water left on last night[/STRIKE] :mad:
• [STRIKE]get tobacco money off of colleagues[/STRIKE] £9 towards my loan
• order shower hose (didn't do this yesterday )
• oooo log onto asda.co.uk as received a text saying I had £10 off shopping on account...
• [STRIKE]update expenses form[/STRIKE]
• any available surveys
• tennis after work (free exercise)

that's it, hapy days everyone xx

isy1011

Good morning.:DWhat am I doing today to save money??

Updated my spreadsheet, checked my on line banking to make sure my second job wage has gone in (and it has) , keeping up my spending diary which is a real eye opener but I think because Im having to write it down Im just not spending, hubby on freecycle to get his DIY material, been eating home grown salad (which is much nicer and cheaper). Yesterday bought toy for birthday present from cheap toy shop and not Tesco (as all their toys seem to have gone up in price).

That's all I can think of for now.

catmiaow

Hello all,

I have:

Vacuumed house
Mopped kitchen floor

My list for today is:

[STRIKE]Quick shower
Check bank[/STRIKE]
[STRIKE]Email friend back
Do comps before work[/STRIKE]
[STRIKE]Go to work - only 4 hrs on a friday woo hoo
Take nan out for lunch
Post 3 competition letters
pay cheque in bank[/STRIKE]
[STRIKE]cut toe nails[/STRIKE]
[STRIKE]Use free texts
Get toilet rolls from home bargains
Spend love2shop voucher in Iceland and get food for Sat night
Go and visit my mum[/STRIKE]
[STRIKE]Spend evening with OH
More comps
Phone one night free and see if can book free hotel night for two weeks time
Ring estate agents again - they didn't phone me back - not happy![/STRIKE]

Hope everyone has a good day!

PurpleFairy26

Morninag all!
Up early as my beloved cat decided he was hungry at 6am and would wake me for food ! Wouldn't mind but DH closed bedroom door last night as he was up early and the cat still got in, can he open doors now ?!?

Anyway, gives me plenty of time to do my list:
Washing on, dry on airer
Tea from stores
Lunch with friend, will stick to set lunch as cheaper
Only 3 mags left to go through for recipes
Order christening present
Make list for birthdays that I need cards for over the next couple of months
Carry on with christmas present ideas list
Rubbish out
Water strawberries, maybe cover with netting to stop birdies getting there before me!
Sister doing car boot in a couple of weeks and will sell some of my stuff, need to sort for when she comes on Tuesday

Early night!
Have a good day everyone x

Katyroo62

Good Morning all.

This is my first one of these!
I always write lists of things which I need to do but have been a bit slack and not been getting them done over the last week or so. I discovered DFW yesterday (whilst procrastinating and not doing my list) and you have all given me new motivation.

Thank you

They aren't all debt linked (hope thats ok).

[STRIKE]1) Brave the cold, wind and rain and take the dog on a long walk[/STRIKE]
[STRIKE] 2) Do the weekly shop. (over spent last week so only have £43 to spend)
[/STRIKE] (only 40p over)
3) Finish the laminate flooring. (can't - haven't got the right tool)
[STRIKE]4) Check online bank.[/STRIKE]
[STRIKE]5) Update my Money tracker.[/STRIKE]
[STRIKE] 6) Cancel old car insurance and get new cheaper car insurance.
[/STRIKE] saved £148:rotfl:
[STRIKE]7) Clean bathroom[/STRIKE]
8) Clean cooker
[STRIKE]9) Spend at least 2 hours sorting out work and preparing for going back to work after the hols.[/STRIKE]
[STRIKE]
10) File all of my bank statments etc.
[/STRIKE]
Right. Off I go!

EDIT - plus I picked and froze some elderberries ready for jam.

josiebabie

Morning morning morning!

Welcome to all our newbies! Stick with us, it really helps focus you.

My list for today, not very DFW I'm afraid but will try!

- [STRIKE]Check banking[/STRIKE] :eek: bit tight until payday on thursday!
- [STRIKE]Rejig budget to include chimney sweep - didn't do this yesterday[/STRIKE]
- [STRIKE]Charge mobile at work[/STRIKE]
- Drive to Didcot and back tonight to drop off DNephew @ DB2's. Hoping he might give me something towards fuel as it costs me £30 but not worried if he doesn't, would be a nice bonus!
- Dinner at DB2's when I get there
- DM picking up DD and dropping DN off with me at work to save me a little bit of running around
- Need to work hard today
- [STRIKE]Lunch and snacks from stores - lunch is left over pasta bake from last night[/STRIKE]
- Do some OnePoll

That's me I think!
Jx

Wannabe01

Good Morning Everyone, Hope everyone has a good Friday

I didn't get online yesterday as DS is still not to well but at least I managed to get some sleep last night.






My list for today:

• Sort and organise the kitchen cupboards, fridge and freezer done
• Tidy the kitchen and wash the floor done
• Sort menu plans for the rest of August done, I should only have to purchase vegetables before the end of the month
• Sort the plants (I got some plants on freecycle and they need moved to bigger pots, I also have some cuttings from my DM to replant)
• Catch up with laundry 3 loads done, 4 more loads to go
• Catch up with ironing
• Look into local farmers markets done
• Complete work for client 1 and raise invoice (should get some money within the next 7 days ) done
• Complete work for client 2 and request next part of the contract done
• Catch up with emails done
• Complete work for client 3 and raise invoice (payment by end of month ) done
• Look into new freelance project
• Complete work for client 4 and raise invoice done
• Update diary for this week done
• Make phone calls regarding work for next week (hopefully DS will be back at school) done, fingers crossed DS will be back at school next week, he's not been very well this week
• Quick shower

A reasonably short list from me today so hopefully I will get it all completed.

Oh well here I go..........

mogchops

:DGood morning!!!

Whoop - its Friday :j
Double whoop - its payday :j:j:j

Busy busy busy!! Its DDs birthday tomorrow, she will be 11!!! Cant believe my little girl is getting so big!!

Today:

- check online banking (lush!!! :rotfl:)
- drop DDs at church holiday club
- go to work half day
- move money around
- put £20 on post office card for car tax saving
- do all comps ending 21/08
- buy 4 copies of the Sun for the Tesco vouchers :D:money:
- BIGGG shop to do in Tesco, use Tesco vouchers plus other ones that I have
- Use double up vouchers to get DDs new phone
- make fairy cakes
- clean bathroom (hoping DH will do this one :A)
- big tidy up as DD having friends over for BBQ tomorrow after ice skating for birthday
- Get airbed out ready for sleepover for above

Hmmmm....think thats it for now!!! Happy Friday everyone!!!

PerfectPeaches

Morning all

Got another day off work (been ordered by our HR dept to stay at home and rest). Fortunately the midwife said that the aches I'm feeling is the baby kicking my rib cage, what a delightful child!! But I'm now on holiday until 31st August and going up to my OH's home city of Newcastle until Sunday so my DFW things for this morning are:-

• [STRIKE]Feed cats, give fresh water[/STRIKE] 3 happy kitties all fed and freshly watered
• Change bed linen - didnt do this yesterday:o
• Iron
• Put in two washes - again didnt do this yesterday - 1 done so far
• [STRIKE]Put bread mix in breadmaker and switch on! Fresh bread for the in laws[/STRIKE] All done at 8am
• Pay £100 off my Very account
• Try and pay £90.00 off my Next account - for some reason even though my card is registered to my new address, Next won't accept it :mad:
• Pack for Newcastle
• Hoover upstairs

I think thats it!

Hope everyone has a lovely day and weekend

Peaches x

WelshWoofer

Morning all!
Have to be quick this morning as I have to go to town and do some bits before my haircut at 10am.

So....

• Walked dog, x2 more to go
• Check when library books are due back
• Post ebay parcel
• Post MM parcel
• Haircut and colour at 10am - at last!!! Look like a badger!
• Pop to Boots to see if I can get anything without spending too much using te No 7 voucher OH gave me and get Advantage points added on to card
• Buy Sun newspaper for Mr T voucher
• Do a mini shop in Mr S - just about £10 or less to tide us over until the end of next week
• Transferred Paypal money to bank account
• Put pounds in pots for Xmas and car insurance
• Phone payroll
• Phone tax office
• Withdraw spending money from bank
• Transferred some money around this morning
• Book night in kennels for the dog
• Put dry washing away
• Check ebay
• Stew some apples
• Do some school work later
• Stay iin tonight and watch the soaps

That's it for now - better get on with it!

nowpanicking

Good morning everyone,

It's Friday - yeh!!! AND I'm having a rare night out tonight :j ... so tired though as DS was up from 2.30 until 4.00 this morning with nightmares

Thanks to Determined for starting us off...
Welcome Katyroo... I find this thread really really helpful - it def helps keep me focussed.

Anyway, my list for today: -

• HM bread
• check on-line banking and update spreadsheets
• lunch from stores
• check surveys
• make tea for DH as he'll be in while I'm away out tonight (it's with work colleagues)
• tidy up
• compare car insurance as mine is up next month (also check employee benefit site as there may be cashback on offer)
• try and not spend too much tonight

Have a great Friday everyone, not sure I'll be able to update later as I'm treating myself to a few beers tonight :beer: (haven't been drinking because of the looming half marathon) x