Friday 28th Jan - What small DFW things will you do 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.


Morning all

Woke up to a horrid buzzing noise, had to wake the lodger up to get him to find the source (I'm hearing impaired and can't get direction of sound) Turned out to be my daybreak alarm clock. Hope I can fix it later

Well the day has finally come, I've made the final payment on my car, it's mine yahoo :j:j:j but for some reason they took an extra £80. Have emailed them to find out why.
It's payday yay :j:j:j

Look DNMS, see I'm trying to find a positive to cancel out the negative :rotfl::rotfl:

Normal DFW stuff

• Free tea at work
• Charge phone at work
• Take packed lunch and snack
• Surveys where I can
• Make a couple of sorting out calls from work
• Tonight is a stop in and wallow night. Boyfriend bought me wine last night so I'm going to drink that in the jacuzzi whilst I do the face pack thingy. Then off to an early night

Talk went okish. Our work schedules don't gel well. He's a DJ and I'm a teacher, I'm up about the time when he gets in etc. sigh. That's the main cause of arguments. I suppose I'll have to buy him a valentines pressie now. Was hoping to save the dosh lol

Have a good one all

determined_new_ms

Morning Moneyp & everyone else later on :hello: HAPPY FRIDAY :j:j WOOOOHOOOOOO WE MADE IT! I'm gonna be double up for it today and create loads & loads of energy and get loads of stuff done, feeling fabulous about work and myself, who is with me??? :T

Must be quick as I should have been in the shower ages ago

• super quick shower
• soup out of freezer for lunch, fruit for snacks & drink at least 2 lts of water
• do expenses & overtime sheet and work out how I will get them signed off and into payroll...
• check for surveys
• check banking, shift some funds
• online check in for our Morrocco holiday in 12 days :j
• early bird meal with friend to catch up mmmmmm
• maybe go to gym this evening or just chilli with a book, bath, facial manicure, pedicure while oh goes out :T

ok that'll do me guys have a fabulous & energy filled day x

pixiechick99

Morning ladies....yay, three cheers for Friday:beer:
Here's my list for today:

• check banking - payday:T
• check onepoll
• packed lunch for dd2
• go to docs and get my b12 injection and blood tests
• meal from plan - chicken curry tonight
• hoover downstairs
• NSD?
• free cuppas at work, take fruit for break
• update diary on here
• write to-do list for weekend

That's all for me - have a fab Friday:A

stitching_witch

Happy Friday everyone, and thanks to moneypenny for starting today's thread.

So far today I have:

• run DW overnight on Economy 7
• run WM overnight on Economy 7
• had filling porridge for breakfast
• checked banking
• checked for surveys
• fed and watered the chickens and asked for eggs

I will also:

• charge mobiles at work ready for the weekend
• keep an eye on surveys - only 3 yesterday
• see if work's bank will cash my salary cheque dated 31st Jan so I can get money in my bank tomorrow
• send DH to Mr T's and he'll pay
• DH to drop me off at work and collect me this evening
• have an NSD

Another accounts day at work, but I have offered to help one of the admin ladies as she's snowed under this week. So, mixed feelings about the day. No, positive outlook - helping someone will make me feel good. (It didn't work, I still hate admin!!!!)

Nearly the weekend so I might write myself a job list today and frighten DH :D

stitchy x

Erme

How long has it taken me to get an agenda together this week?:eek: - this just shows you that getting up @ 4.30am is not good for self..

So here is my aims 4 today


AM

• ?Check for surveys
• Read up on eager learners
• Check message boards
• Sort out washing
• Charity Shop for paint
• R @11 (rehab team)


LUNCH

PM

• Friends @ chaplaincy @ 2.30pm
• Sort out a few books for BE to sell
• Menu plan
• Write B-day letter to Sarah P
• Write New Year stuff to F
• Download ET and Bible reading scheme for phone and put on via pc cable








EVE

evening routine


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Nottoobadyet

determined_new_ms wrote: »

[*]online check in for our Morrocco holiday in 12 days :j

Oh my god I am so jealous!!!! Where are you going??? I went alone 2 years ago to backpack around and it was one of the best holidays of my life.

Will post my list in a bit.

complimentschemistry

Morning Moneysavers :j

I'm reeeeeeeeeeally tired today but trying to be positive. On a mission to find some cheap blouses for work so I can get 2 or 3... I actually need them and I'm not getting distracted by other pretty clothes so I'm doing well! If anyone has any ideas for places to look please let me know

Today I will:-

• Post eBay items
• NSD (10/12)
• Free tea/coffee @ work
• Soup for lunch from home
• Freezer dinner
• Round my friend's tonight for a movie
• Work hard to prove I can be promoted!

Hope you all have lovely days and I think speak for many people when I say... TGIF!!!

LAM2011

Morning all

Whoo Hoo Moneypenny on your car being paid off what a feeling!

Today :

• still chasing ebay payment
• check online banking as its payout day - see whats left and budget for the month
• homemade turkey sandwich for lunch and some grapes courtesy of OH mum
• update food focus (although was naughty last night and had a mini donut courtesy of OH son )
• work hard today so can leave work feeling up-to-date.

have a happy friday everyone

Pernicious

Morning all,

It's payday for me!!! :j Yay!!!

However I have forgotten to bring in porridge from home today...so I have asked a part time colleague to bring me in a sausage roll for brekkie My stomach will be rumbling all morning otherwise...in fact my stomach will still probably rumble at about 11am! Oh dear...not very DFW or Losing lbs whilst saving £££'s...:o:o:o

So anyway, today's plan:-

• [STRIKE]Make use of free coffee/water[/STRIKE]
• [STRIKE]Lunch & 2x bananas brought in from home[/STRIKE]
• [STRIKE]Heating off during day[/STRIKE]
• [STRIKE]Charge phone at work[/STRIKE]
• [STRIKE]Supermarket shop tonight, a biggie![/STRIKE] Spent more than I wanted too
• [STRIKE]Declare spend on Grocery Challenge board & continue with Feb's challenge[/STRIKE]
• [STRIKE]Dinner from meal plan[/STRIKE]
• Create my personal budget for the month, managed to do OH's last night
• [STRIKE]Log calories on Foodfocus - Cheaper than WW as it's free![/STRIKE]
• [STRIKE]Check for surveys[/STRIKE]
• [STRIKE]Enter comps[/STRIKE]
• Check out freebies/comps board
• [STRIKE]Planning an early one tonight in support of OH doing overtime starting from 6am tomorrow, bless him[/STRIKE]
• Finish up organising the accounts paperwork
• Finish tidying bedroom - All this tidying is finding some bits for Ebay
• Spend at least 10mins going over my tkd terminology
• Continue reading wedding tips thread
• [STRIKE]Order OH's valentine's present using cashback[/STRIKE]
• [STRIKE]Check online banking & shift funds over[/STRIKE]

Have a great, moneysaving day everyone x
Oh & DNMS - Morrocco!! I am very jealous, hope you have a lovely time

determined_new_ms

Nottoobadyet wrote: »

Oh my god I am so jealous!!!! Where are you going??? I went alone 2 years ago to backpack around and it was one of the best holidays of my life.

Will post my list in a bit.

OMG please give me some guidance advice! We are going to Marrakesh for 10 days. Went through holiday-rentals.co.uk and accom was £300 for an appartment and flight we got in the Ryanair sales :j so my cost for 10 day holiday was £230 :T

so what I want to know is:

• recommendations of places to go, visit we are defiantely up for travelling around and happily getting over b&b/hostel if we venture far - can't imagine it will cost alot
• how much do you think we need for spending money - alot or not? (I have less than I had hoped cos of my car )
• best to change currency here or there?
• I want to treat oh to the morrocco by air (balloon) as its his 30th but not sure what would be reasonable there to haggle down to

thanks :A

determined_new_ms

millyscarlett wrote: »

Morning ladies....yay, three cheers for Friday:beer:
That's all for me - have a fab Friday:A

hip hip horay!

complimentschemistry wrote: »

Hope you all have lovely days and I think speak for many people when I say... TGIF!!!

you truly do compliments! :rotfl: