Thurs 23rd September - What small DFW things will you be doing today?!

pixiechick99

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

Good morning people:T
Damp and dark here today...the sun has gone:(
An uneventful day here today - work and back, feed us all, rest and bed;)
Hope you're all good - glad you had a lovely hol DNMS:T
Here's my list for today:

• daily scratch
• check banking - move TCs to 'spends acc' and some to 'grocery account'
• packed lunch for dd2
• drinks from home to school
• lunch from home for me
• meal from plan tonight - jackets pots with chicken
• put clean washing away
• water heating on for an hour later
• switch lights etc off when not in room
• sort Next returns

Ok, that's enough for me - have a great day:beer:

La_escocesa

Thanks for starting the thread Milly! :wave: to everyone who follows :wave:

Check me up early enough to post in the morning :cool:

Today's list:
- got delivery charges refunded from Mr T :T They wouldn't deliver to my door, only to the bottom of the flat - Ts and Cs says they should deliver up to 3 flights and beyond that is driver's discretion - I'm on 2nd flight - that is why I use Mr Ts!! But hey ho, I'll carry them up if delivery is free
- dare I say NSD
- tea at work :coffee:
- ask manager to sign off my £249.20 expenses :mad:

If I think of a few more I'll update later xxx

catmiaow

Hello all,


Tidy after cats
Take rubbish out
Do comps before leaving for work
Email friend back
Check bank
More comps during lunch time
Go to work
Lunch and dinner from stores
Use free texts and mins
More comps

Hope everyone has a good day!

determined_new_ms

Morning Milly & La E :wave:and to all who follow.Grey & dull here too but I'm going to be optimistic & believe that it'll brighten up later

Really gonna have to snap outta holiday mode as oh is back at work today & our house is a tip, with no food in it...

Today's list (must try to spread what needs to be done over the next 4 days instead of manically trying to get it all done today!)

• [STRIKE]get beef out of freezer for roast [/STRIKE]:D (might as well do it today!)
• [STRIKE]finish shopping list[/STRIKE]
• [STRIKE]go shopping[/STRIKE]
• [STRIKE]check banking[/STRIKE]
• [STRIKE]pay money into bank[/STRIKE] (see below & £10 left from holiday)
• [STRIKE]pad to cc[/STRIKE] (we sold 200 ciggerettes that we bought duty free last night & recouped our costs which goes to debt. When we sell the other 200 it goes in the "free money" pot )
• [STRIKE]when I go into town later pop into the Halifax and find out if I get a penalty for paying off loan early[/STRIKE] - best to be safe than sorry have asked them to send me a statement as they are saying I owe £57 more than I make it...
• [STRIKE]contact A&L re new card they sent me[/STRIKE]. Letter said cut up the old one & start using so I did and then when we got to the airport it didn't work! So had to use my current account and go into od :mad: going to REALLY try to get them to wipe off the fee for this as we had transferred the money into our joint account! no fees showing at the moment, new pin being sent
• [STRIKE]update sig[/STRIKE]
• [STRIKE]housework[/STRIKE] (I'll pop over & see what Mrs Flylady has to say about the state we're currently living in ) starting to look a lot better
• [STRIKE]hc x2 & line dry (???)[/STRIKE] 1 done & on line, another in WM. Not gonna get it line dried now
  
• go fo a run (I completely let it slip last week, by the end of the week I couldn't fit into my jeans! ) decided as going to walk into town (25min walk each way) I will leave this until tomorrow as it fits better with my schedule for the rest of the week (motivation to run low at the moment )
• [STRIKE]try & get hold of dd - couldn't reach her yesterday despite numerous attempts....[/STRIKE]

• [STRIKE]see if ds wants to watch a film later[/STRIKE](he took an entry test for his course while we were away and got 87%, the highest in his class :T)
• ok that's too much to do! I also intend to relax & read my book Hope you all have a fab day x

determined_new_ms

Hi cat:wave: you sneaked in while I was posting!

Candy0107

Morning All,

Thanks for starting the thread Milly – sorry I was AWOL yesterday…it was manic at work

Anyhow, today I have/will
• Checked online banking – no change, but have to check
• Breakfast and dinner from storecupboard – I will buy some cheap soup at work for lunch – I ran out of time to heat up my home-made soup for lunch and make a sandwich
• Go to WW after work and hope to have lost something
• Used my rail pass to get to work
• Have an NSD as I have £10 to last me til the end of the month….no real need to panic though as all my bills are paid – I have a ‘treat pot’ in my desk drawer for emergency chocolate, cans of drink etc, and I have enough in there for soup (it’s only £1.25 and really good
• Need to look for MS jobs
• Work really hard at work as it is almost month end and getting into a really busy period
• Need to fill in my WW food diary – rather than buy a tracker I have a spreadsheet which I print out each week and file away
• Need to take my vitamins to ease PCOS symptoms
• Need to charge my mobile up at work
• Need to try out more fruit teas at work to find one I like (they are free at work) – didn’t do this on Tuesday
• While I am at work try not to roll my eyes at the really irritating person I sit next to….the term drama queen springs to mind
• Need to catch up with friends on FB rather than texting people
• Need to work on building up my self confidence (it is a really personal thing)
• Read newspaper online and get the free newspaper at the station
• Need to update my signature as it is out of date!

Take care everyone and have a great day
Candy xxx

pixiechick99

Hello again Candy - nice to 'see' you back here again - hope all well with you:)

Wannabe01

Good morning everyone, its rather wet here today so won’t get much done outside today.

My list for today:

Quick shower
Get DS off to school
Take DM to the doctors
Do some of the ironing pile
Fill in application form for relief job
Sort lecture notes from Monday
Catch up with emails
Sort lecture notes from Tuesday
Complete 1000 word report for college
Complete E assignment 1
Complete E assignment 2 I've done as much on this as I can awaiting an email
Complete E assignment 3 I've done as much on this as I can awaiting an email
Complete 900 word report for client 1
Complete 900 word report for client 2
Complete 900 word report for client 3
Check pigsback
All meals as planner
NSD (I shouldn’t have to buy anything today)
Send email regarding course fees
Check online bank
Update D/D list
Complete 1000 word report for client 4
Sort work list for Friday
Check and water plants as required


I think that is all that I need to get done today, so here goes……..

KiKi

Thanks Milly!

Sorry for not posting yesterday; I spent the day in hospital (ouch!) which was an...interesting....experience. I've had very little to do with the NHS before...!

So, today I will:

* Have morning coffee with a friend
* Do an hour's paid work
* Complete my CV for a 3 month interim role (although I don't really want it)
* Sort out all my 'Work' folders on my laptop, then back them up
* Check You Gov for surveys
* Check Ebay items
* Buy cheap train tickets online
* Lunch and dinner from leftovers
* Cook a Quorn mince (that I forgot to do the other day) to last a few meals
* Transfer Ebay money to savings account


Think that's it! I hope everyone has a very good day.

KiKi

OliveOyl_2

Hope it wasn't anything too serious KiKi - but the whole day :eek:

Wannabe you write an awful lot of assignments and reports :eek: I do hope you manage them each time and the lists are new clients, not yesterdays uncompleted lists? (There's nowt wrong with carrying forward, but you have a heck of a workload unless they're simple?)

Anyway I'll stop being nosy and wish you all Good Morning :wave:

So today I have/will

• make the apple crumbles for the freezer that I've promised DD
• clean my bedroom
• speak to Halifax about overpaying the mortgage and when it is best to do :money:
• renewal for house insurance arrived, will price compare and hopefully Quidco the result
• Try and buy the BA shares that the in laws are buying us for Christmas
• weigh my suitcase which for once is teetering on the overweight :eek:

Today I'm leaving for Africa and probably won't post again until Monday - have a great weekend everbody :A

romylou_2

Good morning everyone,

Wel its really damp and bleak here!! There's no way im going to get any washing out today!!

Today so far I have:

Put covers back onto sofa (they came out really well in the wash)
Have chicken in the oven
Defrosted mince to make a Lasagne (Mmmmm yummy)
Checked online banking
Had breakfast
Done DW
Made appt with Doctor (for broken ankle)


Still to do:
Make Lasagne
Keep up to date on forum chat
Strip spare bed and wash covers
Upper body workout? (Maybe??):A

Have a good day xx