Friday 24th September - What small DFW things will you be doing 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 , am up with the larks again - that's the problem with going to bed so early , I'm up 90 mins before oh and I'm not even going to work!!! At least it'll give me plenty of time to do the things I want today

• [STRIKE]check banking[/STRIKE]
• [STRIKE]transfered some funds[/STRIKE]
• continue with sorting the house out (Mrs flylady, bathroom, hallway & lounge)
• [STRIKE]do VSP later today[/STRIKE]
• [STRIKE]visit friend in the morning for coffee & catch up[/STRIKE]
• go for a run
• go see dd this afternoon, drive carefully to eek out the petrol as much as poss postponed until tomorrow as she is with a friend today & staying over at her's tonight
• hc @ 30, not sure if I'll be able to line dry yet...
• [STRIKE]contact old uni friend's re meeting up for lunch tomorrow. Going to suggest a nicer & more economical place to meet[/STRIKE]
• check for surveys & piggy clicks
• if cc2 statement doesn't arrive contact provider (use saynoto0870.com ) it arrived
• hm bread
• may paint front door as its looking v tatty

Have a lovely Friday everyone x

catmiaow

Hello all,

THANKS FOR STARTING THE THREAD DNM

I have:

Ordered food shop
Had a shower
Vacuum upstairs
Transferred some money to savings

I will:
[STRIKE]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 - only 4 hours today wooo
Lunch and dinner from stores
Use free texts and mins
More comps
Visit my mum
Visit my nan
Spend free pizza voucher
Pay council tax
Post of deposit for Registrar[/STRIKE]
Poss dinner out
Order shopping and will be delivered tonight


Hope everyone has a good day!

La_escocesa

Hi everyone :wave:

Oooh, payday today! And I completely forgot I had done overtime!!! £200 pour moi! That should hopefully be the overdraft gone for good!!! I was slightly worried that I'd been back in it this month and last

CC is going down by 400 badboys so now at just over £1600...

Other small things:
- washing dishes before water goes cold
- tumble drier on for min time poss...pretty sure my dress is nearly almost dry
- brekkie at home
- getting a lift from pal

Other not-so-DFWesque thing is that it's my hen weekend but I hopefully won't go over my budget - already paid accommodation & most food and drink so just meal and some drinks out to fork out for.

Catch up with you lovely peeps on Monday!

xxx

Candy0107

Morning All,

Thanks for starting the thread Determined

Today I have/will
• Checked online banking – no change, but have to check
• Breakfast, Lunch and dinner from storecupboard
• Used my rail pass to get to work
• Have an NSD
• Need to look for MS jobs
• Go to Barclays and take some money out of my savings account for my trip to London tomorrow
• 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
• Need to take my vitamins to ease PCOS symptoms
• Need to try out more fruit teas at work to find one I like (they are free at work) – STILL HAVE NOT DONE THIS…TODAY IS THE DAY
• 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…..HMM, WORKING ON THIS!
• Need to catch up with friends on FB rather than texting people
• Read newspaper online and get the free newspaper at the station

Take care everyone and have a great day
Candy xxx

Lurleene

Hi everyone,

Wow La E - have a fabulous weekend - and don't be too naughty!;)

It is my day off today but I am quite rough, have been up most of the night with cough and cold. And I have a horrid pain in my jaw and shoulder, I think it is wisdom teeth related. Do you think my shoulder pain could be referred from my teeth?

I have to take B to the orthodontist smack in the middle of the morning so won't get too much done while T is at school. Poor love is having her mould made for her braces today, bless her. :(Also today I plan to:

1) Drop off a huge box of items I have collected over the year for the Link Romania Shoeboxes. A fellow mum wants to make lots of boxes with a group so I get to send all the items to Romania without having to pay the £30 delivery it was going to cost me!

2) Collect a free Orla Kiely water bottle from Robert Dyas ( as seen on Grabbit)

3) A Netmum is collecting some of T's toys which I am selling for £15 to go in his moneybox.

4) All meals from stores.

5) Enjoy a quiet night in. OH and B are out and I plan to catch up with my girly programmes in peace. Bliss!

6) Check banking, quidco and SC.

Have a great day, L x

Aurora_emma

Good morning and happy Friday everyone.

Have high hopes for getting things done today as it would be lovely to have a quiet weekend with my oh

• Work: Newsletter to sign off, homepage for next week to sort
• See if I can fill in DLA form online - nearly there with it! - notes are all written so either fill it in online today or paper form over weekend
• Decide what party bag theme to go for and put operation 'cheap but cool' into action with sourcing contents
• Pop to postbox with expenses claim and cheque for new central heating (is all about balance.. in with one hand, out with another:rotfl:)
• 3 loads of washing to sort and get put away
• Pack for the boys going to their dad's for the weekend

and when we drop them off:

• If this weather holds finally pick up my motorbike from its' MOT - has been there nearly 3 weeks - oooops
• Tiny top up shop of those things I forgot earlier in the week

Aim to collect a binbag of rubbish from around the house and walk the dog too.

Hope everyone has a great day x

determined_new_ms

La E have a wicked time!!! Can't wait to hear all about the debauchery (that you are prapred to share of course!!)

Congrats on slaying that od & a massive payment to the cc!

Hey Lureene, hope you feel better soon. Not sure re shoulder/teeth - poss give nhs direct a call? x

Wannabe01

Good morning everyone. Thanks for starting the thread DNS.

It’s a bit of a dull day here today.

My list for today:

Catch up with emails
Quick shower
Get DS off to school
Enjoy a NSD
Do some of the ironing pile I've done some but it seems to be breeding
Complete the E assignments started yesterday Still waiting on emails so will have to leave this until tomorrow
Check online banks
Check pigsback
All meals from meal planner
Send email regarding course fees I will do this tomorrow
Finish sorting lecture notes Got some done will do the rest over the weekend
Sort menu plan – prepare shopping list
Sort ebay account and catch up
Sort list of jobs to be done over the weekend
Complete 1000 word essay for course Going to leave this until tomorrow
Make a start on the 9000 word dissertation (aim to get it completed) First draft completed I will leave it for now and read through it tomorrow

I think that is all I need to do today, so best get started.

redsam

Morning All

I need to get in the habit again of posting and keeping my mental attitude in check, even though I have no job and am seriously panicing.

today
-post ebay item
-deliver freecycle seeds on route to tutee session (yay some cash, not much but must'nt grumble
-tidy kitchen
-put stuff back in roof
-ring scottish power
-make bolognaise
-allotment stuff
-check online banking
-photograph stuff for ebay - free listing again this weekend
and probably loys of other stuff too!

- OH YES APPLICATION FORM (am shouting at shelf so remember!)

Have fun

determined_new_ms

redsam wrote: »

Morning All

I need to get in the habit again of posting and keeping my mental attitude in check, even though I have no job and am seriously panicing.


Have fun

redsam, can you see if there are any cleaning/waitressing/bartending jobs around just to make ends meet before you "real" job comes along? If I couldn't find work in the areas I want to work in I'd be prepared to do anything to reduce stress & anxiety. hth x

josiebabie

Candy0107 wrote: »

• 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…..HMM, WORKING ON THIS!

:rotfl:This made me laugh and should make my list every day! :rotfl:

My list for today...
- [STRIKE]Order car tax online [/STRIKE]:( boooooo I hate this as the roads are still awful...but then again the roads being awful earns me money
- Wor[STRIKE]k hard today and invoice as much as possible! End of the quarter coming up and therefore bonus calculations[/STRIKE] have had a fantastic day, labour sales wise and generally, today was a good day
- HC when I get home and dry naturally
- [STRIKE]Lunch from stores[/STRIKE] - I now have a larder at work which is packed full of soups, beans and alphabetty spaghetti...! (Yes I am 26 years old, I like spelling out rude words with it:rotfl:)
- Looking after DNephew this evening in return for other baby sitting duties.
- [STRIKE]Check banking[/STRIKE]/pay bills

Jx

I've been on the DFW trail for a while now but this is the first time I've left it til 4.30pm to check my banking on payday - this is a sign of being soooo much more organised and knowing exactly how much money is in my account. :T