Thursday 9th Sept - 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

Hey Milly! Congratulations :j:j:j you must be so happy! Really pleased for you x you actually beat me to it as although I started us off I couldn't even think what I am going to do until I had a cup of coffee !

Ok today I have a day off :j as I'm working on Saturday. Its worked out pretty conveniently since I've returned from leave. Went in for 3 days, day off, then back for 2 days, day off then back for 2 days then off to turkey . And yesterday I appointed someone to one of my posts that is vacant! :D:D Can't wait, will be returning to a normal workload very soon

Ok today:

• [STRIKE]re-read Martin's email incase I missed anything![/STRIKE] I booked a room at Travel Lodge in Brighton (for oh & me for my birthday in a couple of months ) for £14 :j
• [STRIKE]check banking[/STRIKE]
• [STRIKE]rework next month's budget (I had good news yesterday my rebate from Inland Rev is about £25 more than payroll had thought :j but its still going to be a couple of months. Was hoping to be DF on Oct payday (20th) so need to rework figures & see if its possible without the rebate)[/STRIKE] still on track for DFD 20.10.10 :j
• tend to & pick tom plants
• any surveys
• [STRIKE]Mrs Flylady (need to do for yesterday as well )[/STRIKE]
• maybe go for a swim? going to see if I can go for a suana. I have a couple of "free guest" passes at my old gym, going to try my luck & see if I can get in don't think this is going to happen now
  
• [STRIKE]all food from stores[/STRIKE]
• [STRIKE]get meat for dinner out of freezer[/STRIKE]
• may pop to supermarket for a couple of bits to ensure I can get a couple of NSDs before Monday
• [STRIKE]contact box office manager re complaint about the cancelled comedy night[/STRIKE] no need received 2 comp tickets as apology in the post today - saving £23 :j
• collect broken laptop & get oh to list on ebay opps forgot about this so will have to do in the morning
• list 2 pairs of shoes on ebay
• [STRIKE]write list of books recommended re Buddism & Rowanda[/STRIKE]
• drop library book back will do tomorrow
• order one off my list (see above) will do tomorrow
• [STRIKE]clean vacuum & take it back to Mr T (its broken & is about our 3rd this year only have instruction manual & cc statement when I paid so its a long shot!)[/STRIKE] yay she exchanged it
• [STRIKE]change fuse on iron to see if that's why its not working before I purchase another [/STRIKE] def broken but took plug off to use on another electical item
• [STRIKE]soak 3 tops with fairy to get out stains (fingers crossed )[/STRIKE]
• [STRIKE]wash at 30[/STRIKE] & line dry peeing it down!

ok that's enough. Will read my book & relax and meeting dd later for something to eat

Happy Thursday everyone x

pixiechick99

Oooooh DNMS you beat me by seconds...glad we didn't get 2 threads:D:D

Urghhh I am shattered today - not slept well all week, even though I go to bed at 9.30 and am asleep by 10, I keep waking up uncomfortable every couple of hours during the night, and it's left me worn out today..grrrrrr:mad:

Just in case any of you missed - I'm now debt free:T:T I did go and order some bits from Next last night, coming today, but - whatever I keep I will pay off right away:)
Ok, list time:

• check banking - move TCs to spending account
• daily scratch
• packed lunches for girls
• bottles of water from home
• meal from plan tonight- jacket pots and chicken
• NSD
• think about meal plan for next week

Arghh I'm too tired to think of any more;)
Have a good day!

catmiaow

Hey all,

My list for today:

[STRIKE]Check bank
Email people back
Do comps before work
Go to work
Put washing on and hang to dry
Dinner from stores
See to pets
Take rubbish out
Do more comps[/STRIKE]

Hope everyone has a good day!

Thanks for starting the thread DNM! Get well soon Milly!

PurpleFairy26

Morning all
Enjoy your day off Determined :T list for today:
DD first day at nursery :eek: will not rush to the shops to take my mind off it
DD in reusables
Tea from freezer, prawn curry
Washing drying naturally
Check banking
Check eBay. About half my items end today, will pack them up and post them tomorrow if peopl pay quickly
Post MOT certificate off to work company. Will 'borrow' a 2nd class stamp from DH business
Pick some strawberries from my planter that are ready
Spend some quality time with DH tonight, feels like not seen or spoken to him all week

Think thats about it.

Great to see you back fay. Hope all is well with you now

Have a great day everyone

stitching_witch

Morning campers!

Didn't post yesterday as I was looking after DGD and I couldn't be bothered to log Jo off and then log back in as myself.


Today so far;

• checked banking and jiggled money around so that I'm not O/D in either account
• checked for surveys - screened out of both
• fed and watered chickens
• prepared a lunch to take to work
• put change in the pot (over £1 of shrapnel was weighing down my purse )

Still to do:

• read book at lunchtime to avoid the shops
• charge camera battery at work so I can do "before and after" photos of a project I have in mind
• re-do budget for the month to see where I can make changes
• pay credit card bill
• all meals from mealplan/stores (toad in the hole tonight)
• go babysitting tonight -may or may not get paid as it's family

Right, off to work in a moment - accounts day today so looking forward to the day.

Wannabe01

Good morning everyone, It’s a rather dull and damp day here today

My list for today is:

• Get DS off to school
• Catch up with emails and check old email account
• Catch up with onepoll
• Check work forum
• Check mystery shopping sites
• Sort reward chart for DS This was a lot easier than I thought :j as I found some free ones online and just printed :j
• Complete E assignments (4 to do) I have done some work on these
• Catch up with surveys
• Sort work problems
• Look into freelance jobs
• Sort through paperwork
• Catch up with administration
• Read Martins email
• Collect DS from school
• Complete 6000 words report for client
• Check pigsback
• NSD
• All meals from stores
• Sort menu plans for next week and prep a shopping list Menu plans are now done for the rest of this month
• Complete 9000 words report for client
• Check online banks
• Sort out college work

I think that is everything that I need to do today so I go ………….

josiebabie

Morning all
I am annoyed today but I'm not going to let it ruin my day. Apparently I am phoning customers and offering test drives in out £130k supercar we have in the showroom?! That would never happen and the customer involved has severely wound me up so I will now not go out of my way to help him ever again....grrr!!!!!

Anyway, here is my list:-
- Keep my head down and do some serious work today
- Try and sell a purge!
- Get one more figure to complete my new up to date spreadsheet
- Lunch and snacks from stores - made two sandwiches today
- Do some OnePoll
- Keep an eye on ebay, doing REALLY well already and I only listed them Tuesday evening
- DB3 coming over tonight so I can overhaul his finances and help him save some money, he has pots of it but wants to stop spending on "stuff"
- Hang washing around spare room like chinese laundry rather than in tumble

Jx

Pippilongstocking

Thank you for the lovely hugsand welcome backs yesterday.

Today still mooching in bed
Bank
One poll well reminded JB
CC to do a payment too
Must transfer money to my mum she lent for the carpet etc here
HM tea - pastry out
Hens fed
OH to collect eggs
OH to collect dd later from town
Have a rest, might do some work later
Need sort out cc account and change address
Look at paramore tickets for dd and me in November
Have to collect sick note from dr's, can't drive at the mo - wonder if they'd post it?
Not sure what else yet.......................
HC to hang up
DW to empty

Hope you all have a great day, after nearly a week of gales the wind has died down and the midges have appeared - lol - the garden looks shredded.

JB sorry you've had a bad beginning to the day, glad your helping with the money good for you

Off to see what you've all been upto.

Pippilongstocking

ps anyone one doing mystery shopping - I'd like to get into it - got an email from a person at mysteryshopper.com

there was an attachment ot open to find out about everything - bit skeptical its a virus - or does anyone know if they are a real company?

happytails

Hi Everyone

List pretty small today.

Got to pack up some things and go to the post office. Will be taking the car though as my back is still sore from a nasty fall down the stairs on tuesday.

Got Nappies washed and ready to put on the line (going to do this in a minute)

Got lights washed, hoping to fit as many of these as i can out with the nappies (dont think i have enough pegs but we will see)

DD in cloth as per usual. Though no wet nappy yet as she has been using the toilet (6 times in an hour lol)

Must change light bulb in lamp to energy efficient one(forgot yesterday!)

Going to check various wanted threads on the parenting forums i frequent, see if there is anything i can sell

Hope everyone has a good day today!! Im off out to a baby shower tonight at pizza hut, looking forward to the social side but not to the money spending side of it DP is working overtime tonight so it will more than make up for it but still. She is a best friend though, otherwise i think i would have declined invitation

Sarah x

nowpanicking

Morning everyone,

I didn't post yesterday as I was very very bad and had a shopping splurge at lunch time ... paid by CC but I WILL pay back in full next pay - it's for a hen night on Saturday - I saw a fab dress (plus a couple of other things) and just couldn't resist it so felt too guilty to post here as it def wasn't a DFW day.

Congratulations to Milly on being debt free!! :T:j:T:j

My list for today: -

• breakfast to work
• check on-line banking
• charge phone at work
• going out for lunch today so keep it cheap!!
• pick up boots that were re-heeled yesterday (saves buying a new pair)
• tea per meal planner
• dye hair tonight (less than £6 for the dye)

That's it for me - have a happy Thursday everyone x