Wednesday 3rd November - 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


good morning people! :wave: hope you're all dapper on this crisp November morning

today:

• check banking
• charge phones at work
• lunch from stores
• dinner at a friend's
• go to the gym after work (there's a gym near my work that is a pay as you go £2! )
• drive carefully to & from work
• cancel experian before it's to late (i.e. I have to pay!)
• get oh to pay deposit on our moroccan apartment :j
• decide if we're going to a party in London on Friday & wash dress if we are
• pay cc2
• do my expenses (last chance for me to do it!)

ok that'll do, I'll check back later. Have a very happy Wednesday everyone x

catmiaow

Thanks for the thread DNM

My list:

Work - boo
Check bank
Email people back
Do some comps
Go to dance class and practise exam work - poss pay for exams too
Post competition form
More comps
Sort cats out
Dinner for just me and relax after dance as OH is away until tomorrow night
Use free mins and texts

Hope everyone has a good day!

OliveOyl_2

Morning All :hello:

Thanks for starting the thread DNMS

So today I have/will:

• Shred & 20 mins on the CT :eek:
• pay telephone bill on line if pos......or I have to go out
• make Brownies for Popeye's party
• send invites
• check banking
• washing at 30 and line dried :money:
• sit in the sun and enjoy the weather :D

Have a great day everybody :A

Candy0107

Morning All,

Thanks for starting the thread DNM

Hello to those who have posted before and will post after me

Today I have/will
• Checked online banking – moved cash for my travelcard from savings account to bills
• Replied to an email in my inbox from a certain Determined (waves like a silly thing)
• Check emails and do any surveys if available
• Dinner from store cupboards
• Used my rail pass to get to work
• Will not have a LSD – need to buy my travelcard (budgeted for so does not count) and buy something as part of MS job in my lunchbreak
• Fill in my WW online food diary
• Need to drink at least 2 glasses of water at work this morning, and 2 in the afternoon
• Need to look for more MS jobs
• Complete MS job today – and fill in the survey when I get home
• Need to catch up with friends on FB rather than texting people
• Read newspaper online and get the free newspaper at the station
• Need to check out the freebies board
• Enter comps online
• Washing on a quick wash 30 degrees
• Catch up on this thread when I get home
• Going to buy the hook and wool to attempt crochet – something from my 101 list that I have always wanted to do…..someone at work is going to teach me


Take care everyone and have a great day, hugs to those that need them

Candy xxx

littlepinkstars44

Today i will:

Check online banking
Check paypal/amazon and transfer any money into bank
Check ebay listings for new bids/questions
Post ebay/amazon items
Uni at 11 for meeting with lecturer
Put £200 mum gave me in bank
Put bag of coppers in bank
Get 12 Lush bath ballistics for Reindeers (mum has gave me money for this, & I have a 10% voucher)
Go into New Look and pay £5 to my card
Washing on and hung over clothes horse
Iron a shirt for work
Working 5-9 tonight
Read a few chapters on my book on the bus

MrsSmith93

Morning everyone, off to work in a mo - I have a packed lunch to take again today, and am walking to work. Had a no-spend day yesterday and didn't put the heating on at all! Unfortunately won't be the same today as I do need to do a small top up shop, and also will be looking at some christmas stuff for the kids. I really, REALLY must tidy my room tonight :eek:

Have a good day everyone

Amara

Hi!
I 've already been at my morning job.
-checked my online banking
-emptied a dishwasher
-changed cat's tray
I will:
-[STRIKE]go for a business appoitment[/STRIKE]
-[STRIKE]to my two customers[/STRIKE]
-[STRIKE]to the bank[/STRIKE]
-[STRIKE]hoover[/STRIKE]
-[STRIKE]clean a bathroom[/STRIKE]
and then I'll see

lolly_896

Good morning All

Today i have:

Looked for new jobs (Redundancy is looming)
Worked out I am only £81 a month better of for working 20 hours a week and thats probably not that accurate after you consider petrol etc

Today I will

Make Veg soup & Veg rolls
Speak to boss about volunteering to be first out :S
Clean top to bottom
Get DS Birthday presents from loft
Find something to do for his birthday tommorow cheaply!

Good Day all

Frankie231

Today I have/will:

• Swept stairs instead of hoovering them
• Washing on 30 degree cycle/air drying rather than tumble
• Sort out books from attic to put up for sale
• Put said books up for sale
• Make lunch from stores
• Write shopping list based on sainsbury's online
• Take shopping list to saisburys, saving on delivery charge
• Fill in cf10 form for HMRC to get my NI Exemptions certificate
• General Clean of house
• Serious clean in living room, pull out couches etc
• Deal with BH when they come to take pictures of my broken bed for the DLC claim, have a feeling they're going to refuse to put the claim through so should write letters in adavance to claim for a repair under Stat rights and then termination of contract. Really fed up of them now.

Nottoobadyet

Greetings all.

Didnt post yesterday, but had a very good MSE day by bringing my own (leftover, from freezer, HM) chili to a friends house for dinner so I didnt have to feel bad about not bringing wine! We had it with rice, she loved it and everyone was happy without spending a p. Also went to gym and had lunch at work in from home.

Today:
walked to work
will check online banking
will eat 2nd half of yesterdays lunch from home
gym after work then walk home
dinner from stores - Im thinking pasta pesto with some veg, om nom
updated and sent CV to my boss to help her push for a transfer for me, squee!
Night in, probubly doing some tidying which is desperately needed!

josiebabie

Hello all!
I typed morning first but then realised it was 12.19pm!

Today I have/will:-
- Check banking
- Update MSE diary properly
- Keep an eye on ebay
- DM cooking dinner from stores ( :iloveyou:)
- Lunch/snacks from work stores
- Sold a purge :T
- Invoice as much as poss!
- Netball tonight, one of my 3 free trials - may be exercise I enjoy????

Jx