Monday 13th 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

Morning! :wave: I really sould be getting ready, but my addiction to this thread is standing in my way ;) so must be quick!

I'm sending cyber hugs to everyone who is at a low ebb at the moment, please remember you are so much more than money and debts, its only a small part of who you are & if you're having a difficult time, please remember as with everything else in life this will pass. I think you're all fantastic clever, funny & wonderful ppl

ok super quick!

• leave purse at home so I don't spend any money!!! took my purse (to pay in the bliming cheque!!) but didn't spend any money :j
• NSD
  
• [STRIKE]drive carefully to & from work[/STRIKE]
• [STRIKE]grab some bread & a tom for lunch[/STRIKE]
• get meat out of freezer opps forgot so oh has defrosted something in the miccy
• [STRIKE]charge phone at work[/STRIKE]
• visit friend tonight she cancelled on me she returned from holiday yest & the flight was delayed so she was tired. I love her to bits so all is forgiven
• any surveys (Haven't done this for ages, must get back into it!)
• [STRIKE]pay £13 in pennies, £2s and whatever change oh has left arround , into the bank[/STRIKE] I have a secret I pilpher oh's cash for the savings pot that he leaves around :o:rotfl:
• [STRIKE]paid in cheque[/STRIKE] :j
• pick toms
  

ok that's enough must dash. Catch up with you all later xx

Hannah_10

Checked my bak account, emptied the change from my wallet into the savings pot. That's it for me.

determined_new_ms

Hannah_10 wrote: »

Checked my bak account, emptied the change from my wallet into the savings pot. That's it for me.

yay wise woman hannah has entered the room! :j

catmiaow

Morning all,

My list for today is:

[STRIKE]Check bank
Email friend back
Do comps before and during work[/STRIKE]
Pay council tax boo - tomorrows job
[STRIKE]Look at holidays to see if me and my mum are going away or not
Go to work
Post Open Uni letter
Use free mins and texts
See to cats and take out rubbish
General tidy around
Write meal plan on the board for the week
More comps
[/STRIKE]
dinner from plan

Hope everyone has a good day

mogchops

Good morning,

Thanks for starting the thread DNMS xx

Mad rush for me too in the mornings now, as elder DD is at secondary school so mornings start earlier now - ouch

Today:

- check online banking
- packed lunches all round
- not even considering putting heating on yet
- tea from meal plan
- post ink carts for recycling & tesco points
- sort some paperwork
- younger DD to Brownies
- do all comps ending 14/09
- tea from meal plan
- change dentist appt as cant make it

Have a great day everyone xxx

Wannabe01

Good morning everyone, It's a rather dull and damp morning here

My list for today is:

• Catch up with emails
• Catch up one poll
• Quick shower
• Check old email account
• Check work forum
• Check mystery shopping sites
• Get DS off to school
• Take meat of freezer for dinner Forgot to do this before I went out this morning therefore will have to rethink dinner for tonight
• Sort graduation paperwork
• Look for the misplaced cheque Spent some time looking but still not found it
• Look into work book – look for ideas and schedule I have spent some time doing this but still need to do some work on it.
• Look into freelance jobs
• Sort work related problems Done as much as possibe at the moment
• Attend college lectures
• Complete the E assignments Done as much as I can at the moment
• Complete 6500 word report for client
• Pay cheques into the bank I will leave this for a day or two until I hopefully find the missing cheque
• LSD – only spend as budget
• Collect DS from school
• Complete 1500 word report for client I will do this job tomorrow as keep going around in circles with it
• Clean and hoover downstairs
• Complete required course work
• Update diary
• All meals as planner Not possible as I forgot to take the meat out to defrost this morning
• Check and water the plants as required

I think that is all that I need to do today, so here goes.........

Chasing_The_Dream

Morning all :wave: its such a horrible day here, I can't bear the thought of getting out of bed but here's my list for today anyway:

• [STRIKE]Post on weekly spend challenge board[/STRIKE]
• [STRIKE]Check online banking[/STRIKE]
• [STRIKE]Scratchcards/surveys[/STRIKE] 10p/0p
• [STRIKE]Update spreadsheet[/STRIKE]
• [STRIKE]Work[/STRIKE]
• [STRIKE]NSD!!![/STRIKE]
• [STRIKE]Storecupboard meals[/STRIKE]
• [STRIKE]Close Debenhams account[/STRIKE]
• [STRIKE]Set up direct debit for credit card[/STRIKE]
• [STRIKE]Apply for Santander account (free overdraft)[/STRIKE]

Hope everyone has a great day!!

xxx

ald65

What a grey wet day!
today I will
check online accounts
nsd
washing at 30
tray bake
work out meal planner until pay day!
check out freezer
iron:(
claim online survey voucher and stash it away for Christmas;)
try and keep heating off
do a plug check and check no electrics on stand by, especially in DS room !

OliveOyl_2

Morning All :wave:

Grey here And Popeye has now returned to Africa I'll be going in about 10 days time, so masses to do before then, However he thinks he may be called back between now and Christmas so less pressure to get Christmas presents sorted





So today I have/will:

• [STRIKE]pay in cheque [/STRIKE]- our Christmas present from outlaws and it's very generous :eek:
• [STRIKE]buy some milk[/STRIKE]
• phone DVLA to chase up registration documents
• [STRIKE]return RAC paperwork for refund[/STRIKE]
• phone contact in Brighton to arrange to meet this afternoon - I'm going to visit a friend so I can save the contacts travel time/money Made contact and will manage to meet up
• phone Vodaphone to re-negotiate my contract :money:
• [STRIKE]check banking [/STRIKE]- that should be higher up the list really
• [STRIKE]hang out washing[/STRIKE]
• Drive to Brighton in a fuel economic style
• Book DS1's car in for service/MOT with our chap, and ask him if he can supply the gas canister. DS1 says it is a simple matter to re-gas the air-con..........:p
• Bought Popeye's Birthday present, F-I-L's birthday present memory cards, and ink cartridges on-line and via Quidco at a huge saving. The cashback has already tracked

DD is still finishing her dissertation, she is stressed and actually I don't think it can be done in the time available :eek: Unfortunately I'm awfully blunt and so we have clashed greatly Thanks to everyone who filled in her questionnaire (which I thought she should have done in June, and told her that too....:o) So please send me the vibes that will make me say more helpful things to her And whatever vibes needed to her to pull this out of the bag.......:o

Have a great day everybody :A

DD and I are now muddling on OK (Thanks for those vibes - keep em coming ) enough for her actually to ask for something (Red Bull though :rotfl:) rather than just snarling Go Away!

Pippilongstocking

Olyv sending vibes of greatness to dd xxxxx

Today my tiny list
check bank
phone doc - no idea when to go back to work, all I know is that I can't face it right now
try do somework from home, see how I get on
HM meals
move some money about
lots of strawberry runners to repot up - got in the post from a chum >100+ great but need sorting
Be up for most of today and do some chores
DD getting lift to a pals then she can be collected after school
supposed to be teaching on wed night - need to speak to the man - its the first class - we'll need a chat

Hug to all chap xx


Grey and yukki here as well

PurpleFairy26

Morning all. Big hugs to those that are down. DD starting nursery proper tomorrow so today is our last day 'together'. Big day. She's currently napping. List for today:

Lots of quality time with DD, meeting friends (hers and mine) later in town. Have courtesy car and don't think pushchair will fit so will have to walk into town. Lets hope rain stays off:eek:
Post last couple of eBay parcels
Tea from plan.
Double check shopping list for tomorrow. Check it against meal plan.
More sorting out - doing quite well at this
Updat 101 list. Did at least one over the weekend
Quick tidy round.

Think thats about all. Have a great day everyone