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Tuesday 7th Sept - What small DFW things have you done today?!
determined_new_ms
Posts: 7,867 Forumite
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: (sorry I pipped you to the post Milly
) up early so thought I'd quickly post 
Its my ds' 18th birthday today! Its such a cliche but it goes so quickly! Going out for a meal and hopefully his present will arrive today...
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: (sorry I pipped you to the post Milly
Its my ds' 18th birthday today! Its such a cliche but it goes so quickly! Going out for a meal and hopefully his present will arrive today...
- [STRIKE]check banking[/STRIKE] no change

- [STRIKE]forward email from holiday rep to work email[/STRIKE]
- [STRIKE]call holiday rep and find out about flight tickets[/STRIKE]
- [STRIKE]drive carefully to & from work[/STRIKE]
- [STRIKE]charge phone at work[/STRIKE]
- [STRIKE]grab lunch from stores[/STRIKE]
- tend to toms tonight

- go for a run this evening (wk 2, day 1
) - Mrs Flylady tonight
- decide whether I'm going to go visit a friend in London at the weekend or if I'll postpone until Oct??? (was supposed to be going on Friday until Sunday evening but have realised I'm working on Saturday so thinking its a bit of a mission...)
- [STRIKE]contact the theatre box office & get refunded for the comedy tickets for last night as the event was cancelled
[/STRIKE] have a manager calling tomorrow as I complained as they knew it was cancelled last week but allowed me to buy tickets on Sunday - hopefully I will get something *complimentry* for my trouble 
DF as at 30/12/16
Wombling 2025: £87.12
NSD March: YTD: 35
Grocery spend challenge March £253.38/£285 £20/£70 Eating out
GC annual £449.80/£4500
Eating out budget: £55/£420
Extra cash earned 2025: £195
Wombling 2025: £87.12
NSD March: YTD: 35
Grocery spend challenge March £253.38/£285 £20/£70 Eating out
GC annual £449.80/£4500
Eating out budget: £55/£420
Extra cash earned 2025: £195
0
Comments
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Today I will
- Daily cards
- Take lunch to work
- Make caserole for dinner, leave in slow cooker
- Try and get to the gym working late tonight so will see0 -
Morning all - well you were a lot earlier than me DNMS - still fast asleep when you posted:rotfl: Hope you ds has a lovely da...it does go so quickly, I blinked and my 2 got to secondary school:o
Anyway, off to work for me - nice to be back to normal, but I am kn@ckered:D No work tomorrow though, it's college day and that doesn't start til the end of the mnth.
Ok, list for today:- check banking
- daily scratch
- packed lunches all round
- water from home to school
- washing on quickwash now
- hopefully washing will go on the line - sun's out now, I expected rain *confused smilie needed*
- meal from plan tonight - hm meatballs
- take peppers out of freezer to defrost for meatball sauce
- bed early:T
I really need to sort out a new signature!0 -
Hello all,
My list for today:
Clean bathroom
Email people back
Post test letter
Do comps before going out and at lunchtime
Go to work
Check bank, Cancel a DD
Drop stuff off at my nans
See to pets
Take rubbish out
Dinner from stores
Do more comps
Watch TV
Hope everyone has a good day
No you're not a vegetarian if you eat any animal or fish, so do not insult genuine veggies by calling yourself one! :mad:
Thanks to everyone who posts competitions. You are the stars of the board :T:j:T0 -
Good morning everyone,
My list for today is:
- Catch up with emails
- Quick shower
- Attend college
- Catch up with onepoll
- Complete surveys
- Sort work problems
- Check pigsback
- Sort out student card and look into ways that I can save money
- Complete copywriting work
- Give DM a lift home she has been over babysitting for me this week
- Look into new freelance jobs
- Attend Beaver Scouts
- Check and water the plants
- Dinner from stores
Aiming to get Debt Free.0 -
Hopefully today will go quickly as I've got tomorrow off and I can't wait!
I've not done much this morning except sit and chill so mine is all "yet to do":- feed and water chickens (back up to at least 3 eggs a day:T)
- hang HC inside as we're forecast rain again
- check banking
- check for surveys - bit thin on the ground at the moment
- DH to print off labels for the 7 jars of Damson jam I made last night
- Dr's appt at 9.00 to discuss my on-going insomnia (not slept through the night for over 22 years!) It stops me from concentrating at work and have ended up losing good jobs because of under-performing so a DFW task in a way

- charge mobile at work
- take lunch to work
- read book at lunchtime to avoid the lovely bakery
- go to DD's after work and have free dinner there
Making magic with fabricLight travels faster than sound. This is why some people appear bright until you hear them speak.0 -
got a bit to do today i think lol!
go into work for a few hours, meeting and planning
have home made lunch
check banking
try to enter some comps
House work
counselling
collect lo from nursery (missing her already!)
Cook Dinner
Gym
Early Night!!was Proud to be dealing with debt! LBM 12.09.09 [STRIKE]£23,157.76,[/STRIKE] 28/03/11 £12.827.07:eek: Not quite sure on debts now as kind of gone by the wayside but back on form now! Will edit as i figure them out
Hsbs CC £5313.73 Overdrafts (3) £3173.84, Marks and spencer CC £0
AA CC £3400.180 -
Morning all!
Am feeling positive today! Although finding it really difficult to get online at the moment at home so am waiting for my ethernet cable to be dropped round tonight by dumb-!!! ex. I always thought we'd be able to keep things amicable but he's turned nasty so apparently not!
Here is my list for today:-
- HW still off
- Snacks from stores, didn't have the inclination to make a sandwich today, naughty me!
- Check for new bills
- Estimate budget for next month
- Update grocery budget
- Wearing ridiculously high shoes today so will sit down as much as possible thus not wearing out shoe leather....lol, this is kinda MSE???
- Catch up with friends via email instead of text
- Check where I am with phone bill
- Dinner from stores, forgot to get something out of freezer! :eek:
JxNothing to report as yet...give me a minute...!0 -
Morning All
Determind - hope your DS has a fab 18th
today
-take friends kids to school as she has hosp appointment - done
-fill up with petrol - done with cash earn from mural - done
-ring Virgin and amend services (yesterday sorted online billing and removed itemised bill saving a few £s every month, today remove the talk unlimited as its not saving anything. :T
-go to Sweet Mart - ethnics foods shop - cheaper than normal shops, to get some ingredients that will enable us to save money...make own coconut crunchies etc... so OH doesnt buy chocolates etc..:rotfl:
-some housework :mad:
-tonight...aqua fit (last night got back from swimming..the whole street had a power cut so we walked striaght out to the chinese and watched telly around friends house!)
-check TES -done
-mull over photographer quote
have a good day everyonebeen away for a while..need to get on financial track!:eek: debts.....Post Grad Student Loan, Northern Rock Loan, Egg CC, Halifax CC, A&L CC, A&L overdraftAllotment plot holder since Feb 2008 :j0 -
Morning all!
Hope your son has a great day determined.
List for today:
Cut up & mince or chop the 3 pork joints DH got given at work. Same with a lamb joint. Yesterday I did the same to 2 turkeys. It's great. Thing is they re catering ones so we had 17kg of turkey alone :eek: the porks are about 6kg each too!! Very :money: as will not need to buy meat for months at this rate. May be more coming on sat too
Write meal plan for next few weeks using above as the staple
Round to friends later for company and free cuppa:)
Already taken car to be MOT'd. Work will pay. Have beautiful lease car for the day. Has hardly any petrol in it. But only have to ulna few errands so will try not o put anymore in
Out tonight with friend, v cheap night though as we only have 2 drinks and neither Is alcohol so normally spend about £3;)
Check banking - good job I only need to buy a few bits of veg :eek:
Think what my revised grocery challenge should be:D
Think thats about all. Have a great day everyone :j0 -
Afternoon everyone,
Hope your DS has a great birthday determined
I was going to go out for a wander during my lunch break but weather is horrendous here today!! Really windy and rainy
, so I'm sitting at my desk instead.
My list for today: -- check on-line banking
- check surveys
- tidy house tonight (as didn't get finished at weekend
) - HM bread
- NSD
- tea per meal planner
- breakfast and lunch to work
x New starting debt 30/12/2018 £30,164.76:eek:
Revised debt £29,361.70 2.66% paid0
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