Thurs 30th Sept - What small DFW things will you do 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 lovelies;) Hope all well today - nearly the weekend eh?!
I had a rubbish day at college yesterday - some of you may have seen on the thread later last night:o So much work, still catching up with last years as I was off sick for so long...I felt like running away at lunchtime and not going back:) I just felt very dim and uninterested in it all

I must stick it out though - it's my last chance, won't get any more funding after this as I studied when younger, plus I need all the student loans, grants etc I'm getting this year....I must keep up and be organised....any sparkliness, please send my way:rotfl:

Ok, so off to work...tis the end of the week for me - day off tomorrow:D
List:

• check banking - move TCs
• daily scratch
• meal from plan tonight - jackets pots and chicken
• Tidy house and try to feel in control:o
• washing is on airer
• little bit of ironing maybe?
• water heating on just for an hour

Ok, that's my lot. Hope you all have a lovely day:A

catmiaow

Hello all

Thanks for starting the thread Milly!

Today I will:

[STRIKE]Check bank
Do comps before work and lunch time
Eat leftovers for lunch
Email friend back
Go to work
Dinner from stores
More comps
See to pets
Take rubbish out
Use free texts and mins[/STRIKE]

Hope everyone has a good day!

Wannabe01

Good morning Milly and Cat, and everyone else that follows

It’s a bit a foggy here today but at least it is dry at the moment.

My list for today:

Finish sorting lecture notes from Monday
Catch up with one poll
Make lunch to take to work
Get DS off to school
Part time job (6 hours today)
Check pigsback
Catch up with emails
Look into jobs on PPH
Catch up with the laundry
Take meat out the freezer for dinner
Quick shower
Order outfit for graduation
Collect DS from school
Update weekly work list
Phone DM regarding baby sitting tomorrow
Pick up DM as she is staying over tonight
Sort work list for Friday (won’t be too much as I’m at my placement tomorrow)
Look into petrol tanks on ebay as mine has decided to leak. :eek: Will get OH to have a look at some I have added to watchlist.
NDS (Don’t need to buy anything unless I get a petrol tank on ebay)
Start putting together work list for next week

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

Additional Job: I have contacted the relevant people to request a review of my student finances so hopefully I can get this sorted out. :j (hopefully I'm not tempting fate as nothing in writing as yet)

OliveOyl_2

Aw tough one milly, I hope you get some enthusiasm for this last stretch it will be worth it in the long run - nowt worse than abandoned studying on your CV......

Morning All :wave:

It's my turn to gloat now, as it is sunny and warm here in Africa and even when it rains it won't get cold now until June next year :rotfl::rotfl:
Today I'm meeting friends for lunch and we'll be eating in a garden (please remind me of this when it gets too hot for me in about a months time :rotfl:)

So today I have/will:

• Had a heated discussion with Popeye about what to do with our financial windfall (about £5K) - I want to pay it off the mortgage (4.7%), he wants to put it into savings here (5% but with an exchange rate to consider) I think the DF path is more exciting.......:p
• check banking
• catch up on e-mails
• do a survey that has arrived in my inbox - are there fewer nowadays?
• 30 mins on the CT (AFTER maid has left at 3pm )
• think about doing Day 4 of Shred - I've threatened Popeye with it at the weekend.

Have a great day everybody :A

determined_new_ms

wow you must be getting super fit now Olive? (nicole kidman here you come ) you are certainly doing a lot of exercise every day x

josiebabie

Morning all!

Sending lots of sparkiness towards Milly! :happylove<-- Just for the hell of it!!!

Right, listy pops today:-

- Charge digital camera at work for Saturday's frolicks
- Do some OnePoll - nearly at £40!!!!
- Check VO to see if payout registered yet?
- Lots of labour today! Diary looks dire though...
- Sell a purge...pleeeeease!
- Lunch and snacks from stores
- Freezer dive for dinner
- Check budget again
- Check banking
- Check for new bills coming in? Might be a bit early
- 1x HC when I get home
- Dry HC naturally
- Go through my WIP

That'll do me thinks!
Jx

determined_new_ms

Ok I'm back in the room, second cup of coffee and I'm ready to plan my day! Day off - yay!!! :j

Sending sparkliness to milly, purge selling vibes to josie & general good wishes to everyone else x

ok today:

• [STRIKE]check banking & savings account [/STRIKE]
• hm bread
• Mrs Flylady
• go visit career fair that is on today (No getting away from the fact that I hate my job, its just one frustration after another and really don't want to be doing it for too much longer. I'll have paid off my debt in less than a month so I can be a little more relaxed about my income - or at least that's the plan, oh disagrees very strongly!)
• pay in £35 to bank account
• walk into town for career fair & appointment later - saving petrol & parking costs
• check onepoll & do any surveys that come my way
• fb friend about borrowing her kite
• read my book - order another from the library
• really need to clean my car

ok that'll do. Enjoy ur day everyone x

annibee

Good Morning everyone,
Im new but deffo need a list to get my bum in gear :T
Today I will

* Write a menu for this weeks meals so when i go shopping Im only buying what we will need and use!!

* Go shopping and stick to list set out by above

* Check Lottery Ticket....just in case

* Redo Excel Spreadsheet of Debts :eek: and see if any have gotten smaller.....

* Not buy any takeaways!!!

* Decide when i will take my maternity Leave from work and how we can save to cover the loss of Earnings.

* Keep collecting Losse Change to fill my "Pay off Debts with Loose Change Challenge" Jar

* Print off mine and boyfriends Credit Report and then cancel the two memberships!!

* Write a list of all the things I would usually just buy myself and have it as a wish list for mine and boyfriends families when they ask what we want for christmas (ie - New Shredder, Tiles for Bathroom, Outside Storage Shed)

* I will take photos of all the clothes sitting in box ready for listing on ebay!!!!! (I have been saying this for 2 months now!!!)

Thats all I can think of for now but I'm sure more may come later.
Hope you all have a loverly day

Anni x

starnac

morning all. kind of day off today as i've only got a meeting to go to later on. so i must get a wiggle on and do some stuff

[STRIKE]check banking (payday yay)[/STRIKE]
[STRIKE]move money[/STRIKE]
[STRIKE]email work[/STRIKE]
[STRIKE]update spreadsheet[/STRIKE]
post driving licence to get address changed
tidy kitchen
hoover living room
[STRIKE]HC[/STRIKE]
make pumpkin pie
birthday card for sister
go to meeting
[STRIKE]type up some NVQ work[/STRIKE]

that'll do for me for now. may add to it later

happy thursday everyone

PurpleFairy26

Morning all... Grey, foggy and cold here, autumn has arrived

List for today:
[STRIKE]
Take £50 returns back to next
small shop at Mr T stick to list
Use £5 voucher at M&S that I got for taking skirt to Oxfam - wasn't going to use it as I didn't have any money to put to it, but today £40 of M&S vouchers arrived in the post for a life policy we took out earlier this year wasn't even expecting them as already had cashback through quidco
Tea from planner
[/STRIKE]
[STRIKE]washing on, dry inside, see if I can spread it thinly enough to dry without the heating[/STRIKE]
Check banks etc...
Must try and do one poll every day too a pay out before Christmas would be nice

Think thats all, have a good day folks

savingforarainyday

Morning Everyone it is lovely and sunny today:j

Today I will
Check online banking, check transfers etc
Put washing out on the line
Had to do some ironing yesterday, so will put that away
Shopping, only sticking to list

We have gained a dog, not very mse, but will need to transfer dog insurance to my policy
Change microchip to our address.
Put new filter in hoover, hopefully this will give it a new lease of life

Re jig budget, dd has moved back home so will have to tweak the grocery budget to include dd and extra dog:rotfl:

Must look at work today, this got shelved in amongst everything else this week and I am panicking slightly that I will get behind

Other thing I must do is pay gas bill I forgot:o. Only £11 though