Wednesday 8th December - 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.

Yay its Wednesday :j, I love Weds, after today we just roll into the weekend! Wishing everyone a happy day x

Today:

• poridge for breakfast
• hm pea & mint soup for lunch
• post off dds xmas present to be re-plated
• check banking
• write xmas cards tonight
• hula hoop for free exercise
• buy some leeks for dinner (boursin & leek Jacket pots mmmmm)
• [STRIKE]read Martin's email[/STRIKE]
• charge phones at work
• take note of mileage when I leave & update expenses sheet

I hope you all have a lovely day x

stitching_witch

Good morning everyone. Thanks for starting the thread DNMS, you sound brighter today!

Not much going on in the world of the witch. got through to HMRC yesterday and the guy agreed I had overpaid the overpayment IYSWIM but as it wasn't yet showing on my account I need to call back at the end of the week for a refund. Its only £18.31, but it's MY £18.31.

So far today:

• done nothing!

I will also:

• feed and water chickens - they've not been able to free-range for a few days and are getting cabin fever!
• get a lift to and from work with a colleague
• lunch left over from yesterday as I've lost my appetite at the moment
• knit at lunchtime to avoid the shops and also to get DGD's Xmas present finished
• definate NSD

Just a small list as the motivation has gone out of the window and I'm in a panic about Christmas :(

Candy0107

Morning All,

Thanks for starting the thread Determined – you sound a bit brighter today :T
Hello to those who have posted before and will post after me. Hi to all new posters

Today I have/will
• Checked online banking – clothing refund has gone on
• Check emails
• Dinner from storecupboard (was running late for work so went to The Golden Arches for breakfast and will buy something cheap for lunch)
• Used my rail pass to get to work
• 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 and the competition boards
• Drink 4 glasses of water at work
• LSD – went for something healthier at TGA but it was more expensive!
• Picked up chocolate from the mini snack pack before I left so I do not succumb to the vending machine when the mid morning snack attack happens!
• Enter comps online
• Washing on a quick wash 30 degrees
• Catch up with this thread when I get home (I don’t get a chance at work)

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

Candy0107

Oh, nearly forgot......I wombled a coffee stamp sticker at TGA - why do people not clear up after themselves at fast food places????

Candy xxx

La_escocesa

What's up, Stitch? This credit card business? Personally I think everyone loves home made things and I would love something you knitted or sewed as a Christmas pressie. Have you been on the OS board too? I've been loving the pressies under a fiver thread and there are generally loads of good home made ideas too... Or is it just general Christmas-time stress? That is no good. Please please promise you'll have a long bath and a big RELAX when you get home from work tonight. Don't push yourself too hard, missus.

I'm off to work now but shall be lurking and hopefully posting my list at lunchtime xxx

sparklystar_2

hello, my first time posting on a daily thread :j

today i am going to
take own lunch to eat at work
try and find somewhere free to park when go to meeting
log my mileage so can submit claim tomorrow as due to drive miles today
stay out of the shops at lunchtime - might take a book to read in my car if i have any free time before meetings
check bank account tonight and work out how much in joint account still for food shopping without panicking

hope you all have good days - i love weds as apprentice on tv tonight

xxx

Erme

I've just remembered I've still got to upload my list

Anyhow just uploaded a few piccies for folk far and wide

http://img219.imageshack.us/g/imgp0013y.jpg/

The snow can look lovely. I love the hazy blue of early mornings though some of the above aren't bad either

E

Pernicious

Morning all,

Welcome Sparklystar, I hope you find this thread as useful as I do

DNMS - In response to yesterdays thread I'm sorry to heard your dd did that, sounded like things were going so well recently too. I hope it's just a small blip & things get back on track.

Erme - Congrats on the extra star :j I hope you sort things out with your Ma soon or at least have a better day today!

Redsam - Sorry to hear you didn't get the job, don't give up hope though I'm sure you'll have better luck next time.

Today's plan:-

• Finish 2011's bills diary & calendar
• Make a homemade xmas card for my mum & dad
• Finish up organising the accounts paperwork
• Update spending diary
• [STRIKE]Update food diary/plan[/STRIKE]
• Find items to ebay
• Keep reading through "losing lbs whilst saving £££'s" thread
• Finish pots of gold
• Call Orange & try to switch tariff
• [STRIKE]Make a decision on Jane Norman items, & package up if returning[/STRIKE] - Returning 1 out of 3
• Washing up
• [STRIKE]Enter competitions[/STRIKE]
• [STRIKE]Check for surveys[/STRIKE]
• [STRIKE]Pick up another parcel from the post office[/STRIKE]
• [STRIKE]Collect winnings from scratchcard (£5 )[/STRIKE]
• Try to have a NSD - Failed! Didn't spend too much though luckily
• [STRIKE]Read Martin's email[/STRIKE]
• Check gas/elec meter numbers match up to our bills, this could be the root of the npower mix up if the national database is wrong apparently!
• [STRIKE]Fajitas for dinner tonight[/STRIKE]

I'm feeling a little bit better today as it's only 2 more days of work to go, plus I won a competition last night It wasn't the holiday to Las Vegas unfortunately...but better then nothing, let this be the start of many!

Hope everyone has a great, moneysaving day x

happycrafter_2

good morning everyone, hopefully no big shocks for me today like the phone bill yesterday...

ok list of jobs for me to do today

feed and water dog, cat, chooks
tidy kitchen
finish off shopping lists for next week
make christmas cards
finish making purses for sisters
check ebay items selling
read MSE email

nowpanicking

Morning everyone!

My list for today: -

• porridge to work for breakfast
• soup and hm roll for luch
• fruit for snacks
• pay £2 for milk fund at work
• spend nothing else!!
• cancel hair appointment (will save over £30) have decided to grow my hair longer again
• remember to do exercises for knee
• do some clothes washing tonight
• make hm bread (didn't get round to this yesterday )

That's it for me, have a good day everyone x

josiebabie

Morning all!

Sorry I have been AWOL for a while, I have been lurking somedays but others not really bothering, I should do really...!

Today I have a very rare day off as I had no child care for DD today so we're having a mummy/Charley day Might use our day to go to the shops and finish off a few bits of christmas presents, lots of house work today and cleaning.

Here is my list:-
- [STRIKE]Watch Jeremy Kyle![/STRIKE] :eek:
- [STRIKE]Check banking[/STRIKE]
- [STRIKE]Washing![/STRIKE]
- [STRIKE]Clean kitchen[/STRIKE]
- Clean bathroom
- [STRIKE]Nip to local carpet place to choose flooring for bathroom that landlady is paying for[/STRIKE] :T
- [STRIKE]Tidy [/STRIKE]and declutter
- [STRIKE]Chop wood[/STRIKE]
- Hoover through
- Finish wrapping presents, did a few last night so am nearly done
- Try not to text toooooo much :rotfl:
- [STRIKE]Buy a mop and mop floors![/STRIKE]

Right this is too much work to do on my day off! LOL

Jx