Wednesday 12th January What small DFW things will you do to deal with debt today

moneypenny2k

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.

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

Hope this is done right, I'm nervous about starting the thread, specially as a newbie.

moneypenny2k

Darn didn't read DNMS pm before I posted this, forgot the smile icon sorry guys.

I'm shattered today as I went salsa last night, plus my grandson called me and said Nanny I miss you, can you come and see me. So off I went, meant I was out for 14 hours yesterday, night in for me tonight.

Today I will

Charge phone at work
Free tea at work
Take lunch and breaktime snack all home made
have a nsd
check bank
check surveys
cook Spanish chicken with chorizo for dinner all from store cupboard
not spend the £180 my daughter repaid me yesterday that needs to go in the bank


Not going to set myself any major tasks today. I'm tired and need to give myself some down time otherwise I'll get snappy and start eating too much. As I want to lose the next 2 stone (almost 3 gone already) I don't want to do that. So night in front of the telly knitting for me like a proper granny :rotfl::rotfl:

determined_new_ms

Hey Moneypenny thanks for starting the thread, no need to feel nervous you've done fantastically :A you can still add the smilie go to edit, then go advanced, and tick the post icon at the bottom of the page. going to read your post before doing my list...

down time evening sounds real good! and absolutely amazing youy've lost 3 stone???!!! please tell us your top tips, share the wealth MP!

Ok quick list for me today:

• [STRIKE]oh's dm is coming today to wait for plumber this afternoon to repair leak in bathroom & kitchen taps not working (I can't believe this I only reported it yesterday - its a miracle!)[/STRIKE]
• [STRIKE]NSD - lordy I need these at the moment![/STRIKE]
• [STRIKE]sparkle and be positive, yesterday is gone and I'm up for it today (surely I must be over my run of bad luck right???)[/STRIKE]:j:j:j I did and there was no more bad luck
• soup out of freezer for lunch, apple & orange, and free porridge at work didn't have time to eat so just had a slice of (free) cake a colleague brought in
• check for surveys
• [STRIKE]LO for dinner for ds & oh, egg on toast for me[/STRIKE]
• opps better make some bread then - and get rolls out for ds
• [STRIKE]go to gym for induction after work[/STRIKE]
• cycled between schemes today - its such hard work not having a car

OMG look at the time, being picked up in 15 and I'm not even dress! Have a fabby day everyone x

moneypenny2k

We now have a smile, thanks DNMS

Not sure if anyone on here is interested, but I've started a new challange, the giving up on diet coke or caffeine challenge. info is here https://forums.moneysavingexpert.com/discussion/comment/40151422#Comment_40151422

catmiaow

Hey all,

My list:

Quick work out
Tidy after cats
Dust downstairs at lunch time - did upstairs last night
Work out this propoints thing as have no idea what I am doing lol
Watch what I eat
Work all day - need time off!
Email people back
Do comps
Check bank
Quick shower
2 hours module work tonight

Hope everyone has a good day!

ixia

Morning everyone

Today i have:
Got washing on quick wash
Made all lunches for work and school
Had a quick tidy round

I will do today:

check online banking
go to local boots to return order that was delivered there yesterday don't need any of it and would be of better use to have the refund on my card than stuff sitting in my cupboard.
get bread and milk from farmfoods
Try to make a payment towards my challenge
go to cheap card shop to get birthday cards

Have a good day everyone.

josiebabie

Morning all!

Determined I replied to your PM, tho hopefully you should be on your way to work by now!!!

Here is my list today:-
- [STRIKE]Check banking[/STRIKE] not tooooo bad
- [STRIKE]Keep an eye on ebay today[/STRIKE] Already on £17.57 for an unwanted christmas present (given to me by a customer so no one is being insulted!) LOL
- Do some surveys
- [STRIKE]Return skirt at lunch (I know this was yesterday but will DEFO happen today as DM is picking me up to go into town at lunch)[/STRIKE]
- [STRIKE]Check CC balances[/STRIKE]
- [STRIKE]Check for any new bills and update spreadsheet[/STRIKE]
- [STRIKE]Lunch from work stores[/STRIKE]
- [STRIKE]Snacks from home[/STRIKE]
- Buy DB3's birthday present while in town, checked his guitar as he got it back yesteday and it does have the nobbly bits for a strap - Couldn't as he came in to town as well
- Make the most of an empty diary today
- [STRIKE]Resist bakery in town, DM is a bad influence![/STRIKE] And burger king!!! DB3 had a burger and chips and I didn't
- Netball tonight, not very MSE as it's my turn to drive and costs me £15 a month! But aids with the keep-fit Oh and it's great fun!

Most of all......sparkle!

Jx

DNMS - I'M UP FOR IT!!!!!!!!!!!

Miss_Piggy_2

Good morning everyone

Thankyou Moneypenny for starting the thread! Will have a look at your new challenge but, if I'm honest, the thought of giving up caffiene scares me to death!:rotfl:

DNMS - enjoy your extra fee time due to getting a lift today!:T

Stitching witch - its your Grandma day today isn't it? Have a nice day!

Well, todays efforts:

* Washing at 30'c and dry on airer / radiators
* Charge mobile at work
* Storecupboard dinner
* Packed lunches
* Heating off where possible
* Check on-line banking
* Do any surveys that come through
* Do some knitting (xmas pressies for this year)

Have good days all!

Miss P
xx

josiebabie

Miss P, it is her Grandma day today but she won't be online as my laptop is dead... so here is her list...lol

- Eat DD's food
- Use DD's electric
- Have some fun it DGD!!!

LOL

And in return I save a days nursery fees

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

Moneypnny, thanks for starting the thread – well done on the weight loss…..as you can see from my sig I have a ton to lose, but taking baby steps.

Today I have/will
• Checked online banking – no change
• Hoping for a NSD – need to convince hubby to pay for the parking later
• Gym after work (MUST GO TONIGHT)
• Check emails
• Meals from storecupboard
• Used my rail pass to get to work
• Work really hard at work as there is loads to do
• Read newspaper online
• Need to check out the freebies and the competition boards
• Enter comps online
• Washing on a quick wash 30 degrees
• Will read the thread tonight after going to the gym

Have a great day everyone
Candy xxx

nowpanicking

Morning everyone,

Thanks to Moneypenny for starting us off

Sorry to hear you're having a crappy time Determined with your car etc... at least you're not getting into debt again. That must be a good feeling . A run will def help, get those endorphins going!!

Phone line is still down so still no internet at home!!! Missing it so much!!

My list for today: -

• breakfast and lunch to work
• snacks to work
• tea taken from freezer (spiced beef and orange casserole)
• check on-line banking
• lsd as I need to buy washing up liquid, bad planning on my part as I could have got OH to buy it yesterday along with the milk and could have had an nsd today!!
• tidy house tonight
• load of washing tonight
• try and drink more water today (had a headache last night!)

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