Thursday 18th 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.


Morning :wave: was up with the larks this morning, 4.30 :eek: so now feel like I have an expanse of time

Today:

• make twinks hobnobs before work for team meeting today opps time has ebbed away... will be making these this evening instead
• [STRIKE]so use £5 gift voucher from Mr A (received as I made a complaint on Tues about poor customer service) to buy biscuits & a couple of other bits we need[/STRIKE]
• make potato & leek soup to use up leeks
• [STRIKE]check banking[/STRIKE]
• [STRIKE]look at Dec budget tonight (pay day tomorrow first one since being DF )[/STRIKE]
• [STRIKE]charge phones at work & collect charger [/STRIKE]
• go to community gym after work :o:o:o:o:o:o:o:o
  
• have order free personalised xmas card off of grabbit board :T
• check onepoll/any surveys

That's all I can think of! Have a happy day everyone

picasso2

Morning DNMS , thanks for starting the thread and Hi to all that post today.

Up earlier than I expected myself and have a bit of time to kill before heading into town.

My list for today:

check banks - okay 9 days to payday
go to appointment on time and not buy breakfast because I am early
tescos to use club card vouchers on xmas treats
argos to use nectar points on xmas pressie
try and get pg tips with the free monkey using free voucher from comp
a couple of comps
survey if i have time and access to a proper computer
quick clean and tidy
heating off while I am out
feed cat with 'free' cat food

should definatly achieve that , more if i get time but off to visit santa with best freind then pub .
Its nearly the weekend :T. oops I will be working but unsocial pay and a nice atmosphere

La_escocesa

Morning everyone :wave:

Thanks for starting us off DNMS :beer:

Listypops

• Quick shower
• Brekkie at home
• Free cuppa in work
• Buy bread - take filling - make sandwiches
• Jot down 2011 expenses in 'book keeping' pad I bought to keep me on track
• Look for thank you cards online - prob vista print
• Yoga later
• Tidy round and early night

That'll keep me outta trouble!

Catch up later x

Candy0107

Morning All,

Thanks for starting the thread Determined – so it was you who woke me up at 4:30!

Hello to those who have posted before and will post after me. Hi to all new posters

Today I have/will
• Checked online banking – no change but had to check
• Check emails
• Meals from store cupboards
• Used my rail pass to get to work
• 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
• Drink 4 glasses of water at work
• Enter comps online
• Washing on a quick wash 30 degrees
• Catch up on this thread when I get home (and yesterday’s too as I was mega busy)
• Off to WW tonight – not holding much hope for a good result due to recent events, but back on track today!
• Start to cut out my dress for the work’s do ….didn’t do this yesterday

Can’t think of anything more, perhaps there will be something!

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

Candy xxx

happycrafter_2

good morning

my list so far...

take mince out of freezer for tea
knit scarf for Christmas pressie
try to make a list of what I need to make other pressies
go through craft stuff and try not to get distracted while doing it

stitching_witch

Hi everyone. Not a happy bunny today so I'll have a quick rant if I may? I was a bit cross with DH yesterday as he'd left the car with no diesel so I had to put a little in the tank. That's now made me go into my overdraft and another 12 days to payday If that wasn't enough, I got up this morning to find no food in the house to take for lunch. :mad: Our arrangement is that he doesn't contribute to the rent and household bills apart from buying the food and paying the car bills. Okay, rant over and on with the day.


So far today I have:

• fed and watered the chickens
• nothing else

I will also:

• take some grated cheese and HM chutney to work and just buy two rolls instead of a ready made sandwich
• keep an eye on surveys all day
• use the car, after all I paid for the fuel
• do a meal plan and shopping list
• knit at lunchtime instead of going out
• dinner from stores
• work out whereabouts in the garden I can bury DH

It's an accounts/payroll day today so a chilled day at work awaits me - I'd better get going really.....

Erme

Everyone is up so early this am . Glad I'm not the only one....few bad days so haven't been on here....I start paid work today (permitted earnings) so I was up @ 4 and now feel awfully tired and stink of cigs having smoked most of that time too

Today's agenda


AM

• Get up @ 6am (well got up @ 4 :eek:)
• Work (9.30 and 11)

LUNCH

PM
• Veg box
• M for an hour
• Docs for script (otherside of town :eek: I shall be so tired)
• Find insurance card and D's with sympathy card and post with sympathy to D
•
• ? Write New Year card list and make 1-2

SUPPER

Eve

Evening routine
• Knitting
• Reading
• Bible

Couch surfing?

Lottebear

Good Moring,

I home a little later today off to the solictor to sign paper work for house purchase.

- Pennies in the jar
- I will stop on the way through town and pick up some lunch our new canteen has it the prices up.
- Dishwasher on and full
- Heating off

Susi_Wa

Morning!

Not posted in ages, the time has just disappeared!

Today I shall be staying in bed cos I am poorly.

Still hope to
*check bank
*eat left overs for lunch
*make some cakes/biccies later on
*make veggie soup for dinner to use up leeks/parsnips

Susi

Pernicious

Morning all,

Very, very sleepy today...OH didn't get back until about 1.30am & woke me up again :mad: Ah just need to survive one more day at the office before I'm on annual leave, yay for a long weekend Not that I'll be doing much tomorrow other then Xmas bits & taking the bunnies to the vets!

Stitching Witch - I hope you don't get hit up with too many charges for going overdrawn!

Right today I plan to:-

• Organise bills/accounts paperwork in a better fashion
• Find a box template I can use for cupcakes for xmas presents
• Put through cashback claim if it's still not registered today
• [STRIKE]Enter at least 10 competitions, 20 if time allows to make up for yesterday[/STRIKE]
• [STRIKE]Surveys - at least 1 available according to my email[/STRIKE]
• [STRIKE]Post ebay item[/STRIKE]
• [STRIKE]Check ebay for new payments/feedback to be returned[/STRIKE]
• [STRIKE]Pop to Tesco to buy a few bits - make sure I don't deter from list![/STRIKE]
• [STRIKE]Not sure what's for dinner yet but no takeaways at least[/STRIKE]
• Enter 2011's planned bills in diary & a calendar bought yesterday - there will be no escaping :rotfl:
• Washing on eco setting
• Tidy a bit!
• Update spending diary

I feel as though I have forgotten something...hopefully it will spring to mind soon!

Have a great moneysaving day everyone x

picasso2

Hi all , got home from town a bit quicker than planned as was super efficient. Freind has cried off going to santas grotto so have a bit of extra time on my hands and thought i would give the thread a bit of a bump as about to go on page 3.

Did well in town :
got tin of celebrations for xmas using tesco vouchers
got pg tips with xmas monkey using free voucher
got dd some expensive headphones using nectar points so only paid £6
was given free sample of nivea lotion x2

Have bought a shoulder of lamb for sunday lunch and going to look for recipes of what to make with leftovers. Then gonna do some comps, fingers crossed as i need some luck atm.