Friday 10th Dec 2010- 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!

!

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.!:money:

So be proud of those small steps, they really are important.

Good morning everyone :wave: TFI its Friday :j 8 more hours until freedom

Today:

• [STRIKE]checked banking/cc statement/ebay sales[/STRIKE]
• pea & mint soup for lunch, porridge for breakfast & last of the satsumas (went crazy on a box of ferraro last night :o:o)
• hula hoop for free exercise
• charge phones at work
• update spending diary
• write xmas cards tonight & wrap presents
• update expenses form
• check onepoll/any surveys
• get chicken out of freezer for ds to cook curry tonight

ok that's all I can think of, may add some more things later. Enjoy the day x

DawnW

Morning DNMS and all who pop in later.

It is Friday :j:j:j:j

But I have to go into central London today so hope all has calmed down :eek:

Not that I don't sympathise with the protesters' grievances - as does everyone who has been or wants to go to uni / believes in social mobility / has kids and is an ordinary sort of person who doesn't have a trust fund and has to work for a living, I should think - but it did look scary on the telly last night :eek:

I will be late back as my meeting does not start till 3 and will then have the tube and trains to negotiate in the rush hour

So OH will have to cook the dinner :eek:

Not much MSE stuff for me today then, except:

Take packed lunch to work and coffee for on the train
Read free paper (and meeting papers) on the train
Write Xmas cards tonight (good idea, DNMS, but I always dread it for some reason) and list presents still to get :eek:

Better get on!! Have a nice day everybody :santa2:

OrangeFairy

Morning all

DD1 is off to the hospital for 12.45 but she has woken up with a croaky voice and a cough. They say not to be put under if they have a cold so i will have to ring day surgery and see what they say. Trouble is i have washed her uniform and don't really want to send her to school now. They have a mega spelling test which she hasn't practised for as she didn't ecpect to be there.

Today

Hopital - or maybe not
Into town to finish a few peoples presents off
SOA + budget
New diary
Dinner from stores

Not much DFW there today but i struggle at xmas to concrentrate of DFW things!

I hope everyone has a great day xxx (good luck with London today Dawn) x

stitching_witch

Good morning all. After almost a week of a clean/tidy/quiet house DH is back from Hastings. Since I got home from work yesterday, the TV has been on until bedtime (I don't use it!), the kitchen looks like a warzone and I couldn't spread across the whole bed! Ah well, back to the old routine...


So far I have:

• made a lunch to take to work
• finished one of DGD's Xmas presents - just buttons to get tomorrow
• checked banking
• paid 2x credit card bills - slightly more than the minimum but it is Christmas coming up so no extra cash
• fed and watered the chickens

I will also:

• knit at lunchtime - start DGS Xmas present
• buy an almond croissant and eat half for breakfast and half at lunchtme
• check for surveys throughout the day
• get DH to cut my fringe to save £3 at hairdresser

DH and I will also have a free dinner tonight at my work's Xmas meal. It's in the pub in our village so we can walk there and back. There will only be 11 of us including partners so the boss pays for everything including drnks and taxi fares so people don't need to worry about driving.

Have a good day; I will as it's accounts/payroll today. :T

stitchy x

Candy0107

Morning All,

Thanks for starting the thread Determined

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

Today I have/will
• Checked online banking – moved spare cash as this month is going to be a bit tight
• Check emails
• Breakfast and Dinner from storecupboard (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 – only buying something for lunch
• 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)

Feeling really P’d off with life in general so need to change the way I am thinking…..What really topped it off was getting weighed yesterday and putting on 4lb’s – which means that I am at my heaviest EVER! :mad::mad::mad:

I want to scream in frustration (but 31 year old’s cant get away with that) its not like I sit at my desk all day and eat 4 twix, chocolate mouse, gallons (yes really) of cola, no fruit or veg…like the person who sits opposite me does…..and she struggles to fit into a size 6! Major !!!!!!! *****Bl**dy PCOS********* :eek::mad::mad::mad:

Anyhow, rant over, have a great day everyone

Candy xxx

happycrafter_2

good morning everyone and TGIF!!!

today i have a meeting to go to with a hot lunch provided so will be a nsd at least at work.

struggling to find a pattern for this wool I bought =(

if anyone can help... I am after a pattern for a triangular shawl/cowl/shrug with a simple lace pattern. the wool is called big softy (not the sirdir (sp) brand but a cheaper version) and knits as standard chunky and mohair.

homemade pizza for tea tonight - took bits out the freezer this morning

chickens, dog and cat all fed and watered.

Lottebear

A day off today

- Tidy the house
- Clean the bathroom
- Dr Appt
- Post Chirstmas Cards
- Gym
- Continue to pack for Chirstmas aboard
- Move money to pay for CC, which we put the shopping on last night.

I don't need anything today so I will not spend anything today

starnac

morning all. busy couple of days at work but a morning off today

i must

check banking
phone hospital
write christmas cards
sort fabric for christmas presents i still need to make

i'm sure there's loads more i need to do but i really can't think of any at this moment my mind has gone blank. oops

happy friday everyone

Amara

Hi!
I'll
-go to my four customers
-go to bank
-hoover
-empty dishwasher
-put money on electric key
See you soon!

Pernicious

Morning all,

I'm up early as I ended up cancelling my annual leave today because when my colleagues found out why I couldn't make the Xmas do yesterday, they decided to chip in for my ticket & will then get it back on expenses later. I felt so embarassed yet flattered that they cared so much too, as much as I whinge about working here some days I really do love some of the people here!

Today I have/will:-

• [STRIKE]Charge phone at work[/STRIKE]
• [STRIKE]Got a lift into work [/STRIKE][STRIKE]& will get a lift home[/STRIKE]
• [STRIKE]Free ticket into London for my Xmas do, get to leave at about 11am[/STRIKE] :j
• Free lunch & booze provided so should hopefully be a NSD, will need to leave after the freebies
• Finish 2011's bills diary & calendar
• Make a homemade xmas card for my mum & dad
• Finish up organising the accounts paperwork
• Update spending diary
• Update food diary/plan
• Find items to ebay
• Keep reading through "losing lbs whilst saving £££'s" thread
• Finish pots of gold
• Call Orange & try to switch tariff
• Enter competitions
• Check for surveys
• 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!
• Washing on eco setting

Think that's it for today, have a great, moneysaving day everyone x

Nottoobadyet

Greetings all! Hugs to those who need them.

littlekel - I hope DD's appointment (or not) goes well.
Candy - sorry to hear about the weight, what a nightmare to have to sit next to someone like that all day!
Pern - how lovely of your collegues! Nice to know there is some christmas spirit left out there


Today I:

• went to work (thats MSE, right??)
• brought in lunch - leftover moussaka and peas
• will have friends over for dinner rather than going out to eat - will cook and hopefully have leftovers
• helped a friend with her job application
• will do a meal plan for the coming week
• check online banking and update siggy
• will book NYE ticket on easyjet

Dont think I will have time for x mas wrapping, but I do need to get on that soonish.

Hope everyone enoys their day.