Tuesday 11th January - What small 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 everyone :wave: another day :j (yesterday was a little sucky, not work stuff but personal) but I've put it behind me and I'm ready for a brand new day :j get in I'm, up for it - who's with me????

Today:

• lunch & fruit snacks from stores
• check banking & shift funds
• NSD
• charge phones at work
• make shepperds pie using LO lamb
• check for surveys
• go for a run after work (my ds has just given me a route to run approx 40mins )
• walk to work so saving petrol (as my car is being towed to the garage , but I'm not letting that bring me down! :T)

that's all for me have a fabulous day everyone :A

catmiaow

Thanks for starting the thread DNM

My list:

Go to work booo
Check bank
Do some comps
If the weathers bad stay at work and enter comps during lunch
Email people back
Go back to weight watchers - diet starts today
Tidy after cats
Rubbish out
Relax this evening and try an have an early night!

Hope everyone has a great day!

moneypenny2k

OOOOOOO thanks DNMS, been sat in front of the laptop fingers itching to post for the day.

Today I will

Check bank
Check surveys
Charge the phone at work
Have a low spend day - petrol to get me to the end of the week and my salsa lesson
Take cereal bar for break and leftover curry for lunch
Free tea at work


I got my insurance sorted out yesterday, apparently I havn't lost my ncb so my insurance renewal will be £500 ish rather than £1500 How on earth do they justify the difference? :eek::eek::eek:

Have a good day all

determined_new_ms

moneypenny2k wrote: »

OOOOOOO thanks DNMS, been sat in front of the laptop fingers itching to post for the day.

I got my insurance sorted out yesterday, apparently I havn't lost my ncb so my insurance renewal will be £500 ish rather than £1500 How on earth do they justify the difference? :eek::eek::eek:

Have a good day all

start it tomorrow then MP!

phew thank goodness for that, that'a amazing, hope you go and treat yourself to a little something with that £1000 bonus you just got! :T

ixia

Morning everyone managed to get on before work.

Today I will:
Washing on quick wash
lunches for work and school made from stores
Check online banking- make a payment to £1000 in 100 days challenge depending what's in bank
Go to shops after work and buy only whats on my list
Clean bathroom
General tidy up

Have a good day everyone.

Miss_Piggy_2

Morning all

Thanks for starting the thread DNM!

Up early today (thanks to little boy!) so am ahead of myself already!:D Musn't spend too long on here though or I'll be running late like normal!!:rotfl:

Todays efforts:

* Charge mobile at work
* Check on-line banking
* Check to see if paypal payment gone into bank and then move to holiday savings fund (pot in kitchen:rotfl:)
* Washing at 30'c
* Have a shower tonight instead of a bath (I'm a big hot, deep bath every night type of person!)
* Airer drying of washing
* Storecupboard dinner
* Packed lunch for work
* Do any one-poll surveys that come through
* Spare change in sealed pot
* Heating off when little boy at school and I'm at work
* Do some knitting (crimbo pressies for 2011)


Thats it for today!

Miss P
xx

pixiechick99

Goooood morning:D
Thanks fo starting DNMS....hope everyone feeling well and happy;)

I'm excited - later on I'm going to book us a summer holiday:beer: Just a week, but going to Majorca, AI, with my sis and her family - can't wait....but not til August!! But, we have got a good deal - hundreds cheaper than big F-Choice....have researched and hunted for days.

Apart from that I shall try and be dfw...here's my list:

• check banking
• post book sold on ebay
• post old camcorder cassettes to be put on dvd - cant wait to see!
• write shopping list to do tomorrow
• packed lunch for dd2
• lunch from home for me
• meal from plan tonight - Nigella chicken
• chicken+bacon defrosting from freezer
• heating low
• go to work
• BOOK HOLIDAY:T

Ok, that's my lot for today - have a good one ladies:A

determined_new_ms

millyscarlett wrote: »

Goooood morning:D


I'm excited - later on I'm going to book us a summer holiday:beer: Just a week, but going to Majorca, AI, with my sis and her family - can't wait....but not til August!! But, we have got a good deal - hundreds cheaper than big F-Choice....have researched and hunted for days.
Ok, that's my lot for today - have a good one ladies:A

OMG :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
I LURRRRRRRRVVVVVVVVVVVVVVVVVVVVVVVEEEEEEEEEEEEEEEEEEEE
holidays! :T

stitching_witch

Good morning everyone, and thanks to DNMS for starting the thread. It's good to see so many people posting on here at the moment.

Work wasn't too bad yesterday and I must keep focussed on the thought that it's a short week for me this week. Tomorrow is my 'Grandma Day' (I work a 9 day fortnight) working Thursday then off on Friday for FIL's funeral in East Sussex.


So far I have:

• not run WM or DW as not full loads
• made a lunch to take to work
• checked banking
• checked for surveys
• fed and watered chickens

I will also:

• take milk out of freezer instead of buying some
• put a small splash of diesel in the car and let DH fill up for Friday
• keep checking for surveys from work
• knit at lunchtime so I don't go out cruising the shops
• dinner from stores
• stay at DD's tonight :j

Boss has asked me to have an accounts day today (usually horrible admin on Tuesdays) so I'm in a buoyant mood this morning

Have a good DFW day, stitchy x

stitching_witch

Milly - Well done girl! One day, in the far flung future, I hope to be able to go on holiday. Josie has "take DM somewhere hot for a long weekend" on her 101 things list so I know we'll get there within the next 1001 days!!! :rotfl:

Candy0107

Morning All

Hi to all new posters. Hugs to those that need them. Hope everyone feels better soon ((((hugs))))

Congrats on those who are losing weight, getting fit and not smoking

Determined, thanks for starting the thread today – I’m with you for being upbeat (love the number of smiley’s you have in your post)

Today I have/will
• Checked online banking – no change
• Left purse at home so NSD
• Check emails
• Meals from storecupboard
• Used my rail pass to get to work
• Work really hard at work as there is loads to do
• Catch up with friends on FB rather than texting people
• Read newspaper online
• Need to check out the freebies and the competition boards
• Enter comps online
• Washing on a quick wash 30 degrees
• Managed to lose/drop my mobile in town (somewhere its MIA) – need to speak to Virgin and ask them to suspend the sim until I find my phone or they can get a new sim to me!......luckily it was my old handset (I have put my new handset on an auction site, just need to explain that to them…might just say that I didn’t get along with it and gave it to ‘a friend’)

Have a great day everyone
Candy xxx