Monday 8th November - What small DFW things will you do 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 :wave: well here we are again, back at Monday ever feel like a hampster in a wheel??!!?




Today:

• [STRIKE]check banking [/STRIKE]got paid 74p interest this month :j
• shift some cash around done
• quick shower done
• freeze portions of soup made yesterday done
• call Halifax Loan as it looks like the guy I spoke to a couple of weeks ago gave me a wrong settlement figure & I'm not debt free (will be later today tho ) :j it was correct they just hadn't updated the system
• leftover risotto for lunch didn't look good, soup instea
• healthy snacks all day/drink 2 litres of water
• go to the community gym near where I work after work (only £2 or £10pm!)

that's all I can think of will update later if anything else springs to mind. Have a great day x

Erme

I still have the chest infection so am quite weak and croaky. Did so much on Saturday I was exhausted yesterday....

So today's challenges are


• Iron
• Phone work re chest infection
• Go to post office to pick up parcel
• Sort out G & T's stuff and post

• Check message boards
• Washing
• Budget
• Menu plan for week

• ? Sort out books f

• and small tidy of bedroom? (urgently needed!!!)

I am reducing the cigs which is helping a little but it's annoying not been able to start work tomorrow and having a question mark hanging over the possibility of starting on friday.....

Right off for quiet time now

E

Amara

Wow, how amazing! I didn't have to wake up at 4.30am to go to work Now I am officially and fully self-employed:)))
-I'm going to my first customer at 9.30.
-I've already checked my online banking
-try to start 9 weeks running challenge , but I'm still not well, so I don't know about it
-cook a tea
See you soon!

MrsSmith93

Morning all. I have to drive to work today as I have to go to town straight after work to buy a birthday present for eldest, and also need to do a small shop. Got up late so haven't had time to make lunch (really should go NOW!).

I really need to lose weight. I'm ashamed to say that when I weighed myself this morning, I weigh 14 stone 8lb :eek:. Which is HUGE when you're only 5 foot 1. So I'm going to update my signature with this today, and really try and make an effort to lose some weight. My first mini-target is to lose 8lb by Christmas, which is just less than 7 weeks away.

So, I may not have a particularly good day spend-wise, but I am going to make some lifestyle changes today.

Have a good day everyone

josiebabie

Good morning!

Firstly....

:bdaycake:Happy Birthday Mummy!!! :bdaycake:
(Stitchy)

Here is my list:-
- Keep calm and carry on...
- Post ebay sale from weekend
- OnePoll
- Valued Opinions
- Check banking
- Update MSE diary
- Lunch and snacks from home/larder
- Keep an eye on new ebay listing

Jx

Pernicious

Morning everyone,

Today's plan is:-

• Shop around for OH's birthday present
• [STRIKE]Work out a Xmas budget & stick to it![/STRIKE]
• Organise bills/accounts paperwork in a better fashion
• [STRIKE]Hunt for the cheapest mailing bags/bubble wrap etc on my lunch break & avoid buying anything I don't need[/STRIKE]
• [STRIKE]Update spending diary[/STRIKE]
• [STRIKE]Check Ebay after work - had a couple of bids already as of last night & a fair few watchers[/STRIKE]
• [STRIKE]Washing up[/STRIKE] OH did :T

Think I will leave it at that for now as I have taekwon do tonight, not very moneysaving but very worthwhile

Have a great, moneysaving day everyone!

tryingtocutback

Hi everyone,

As promised, I am joining in as from today! I hope that is okay. I have been looking forward to getting myself more organised and I think I could use this tool as a little "to do" list to keep me on track!

Im at work today and my plans are:-

-Check online banking
-Work hard and get some things ticked off my work "to do" list
-Have mugshot, fruit and yoghurt for lunch (brought from home)
-Make use of free tea and coffee
-Use my lunch hour to renew library books online, compile a list of christmas presents I need to buy and look for any bargains for them online.
- Tonights dinner is prepared (home made fishcakes)
- Stick to my slimming world diet (only a few pounds to go to target now!)

It should be a no spending day for me.

Have a lovely day everyone.

xxxxxxxxxxxxxxxxxxx

littlepinkstars44

Today i will:

• [STRIKE]check online banking
• check amazon/paypal for money and transfer to bank
• check ebay for new bids/questions
• check onepoll/valued opinions for new surveys[/STRIKE]
• write 5 Dooyoo reviews Not done any yet
• list 10 items on ebay Have listed 8 so far, need to hunt for 2 more things to list!
• [STRIKE] list items for sale on lush forums[/STRIKE]
• [STRIKE]post amazon sale from the weekend/Lush forum sales[/STRIKE]
• [STRIKE] washing x2 in machine and hung over clothes horse[/STRIKE]
• ironing Realistically this was never going to happen
• [STRIKE] quick tidy up in my room[/STRIKE]
• [STRIKE]find items to sell to music magpie[/STRIKE]
• update blogs i will do this in a wee while
• start making snowman soup for christmas gifts just about to start!!
• [STRIKE]renew uni library books[/STRIKE]
• bake some cupcakes might not happen now.

Wee update from today

stitching_witch

Thanks for the birthday wishes Josie!

Shame I have to be at work today, but the sun is shining and all's well with the world - well, for today at least!:)

So far today:

• run DW overnight on Economy 7
• brought lunch in to work
• brought in HM cake rather than buying doughnuts all round
• charging mobile at work

I will also:

• do as little work as possible
• chill out this evening with some HM wine
• meals from stores
• have an NSD

Looking forward to playing new game from DS2 tonight. Housework? What's that? :rotfl:

helena83

Hi, I'm a bit new to all of this. Just in the process of setting up a DMP and looking at other ways of savings some pennies.

Feeling like I've had a productive morning somehow! I've managed to get free HomeStart cover out of the AA, switched my gas and electric to a cheaper tariff, done online grocery shopping with £12 off £60 sainsbury's voucher, had £17 in clubcard vouchers through the door which I will double up and put towards baby stuff later. Going to call the car insurance in a bit and see if I can reduce that since I'm no longer working and don't need the business cover and also call the home insurance and see if that's cheaper since I'll be in the house during the day now. Fingers crossed I can save a few quid there as well!

Any more tips?

Erme

Today's majorly physical activities have been shelved....why? The chest ...:(

I did get out to the post office and picked up the calendars but now T is being awkward about giving me a bill for the next lot (got home and remembered I needed another one and he is the only place I know to get them) and wanting stamps for payment when that'll mean another trip out in the wilds with this chest :eek:..He's getting a cheque and woe betide him if he takes his time cashing it. I pay on time...I expect my cheque to be cashed within the month preferably sooner.

Never mind the fact it took forever to get hold of him on the phone because he's too fossillized to get 1571...:mad:...I'm hormonal and tired from lack of sleep due to nicotine overdose (which I've just made worse by mixing a new bottle that I made 3mg too strong without gloves on :eek:)...Och I'm just going to potter today and see what happens.....

Why I'm running antivirus again I have like NO idea...sure it's not rational...

Anyhow best go and check boards and OB and then try and get another 40 winks pre lunch..

Hugs

E