Thursday 17th February - What small DFW things will you be doing today??

pixiechick99

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.:D

Gooooood morning everyone:j Wooo the weekend is in sight...not that I'm wishing the week away or anything;) But it's half term next week and I need the rest as well as the kids!
Ok, bit later today, sorry about that - my girls have an inset so with only myslef to get out the door, I don't need to be so early. Just work today, then back home and try do some of my assignment...said I'd hand it in tomorrow:o

So - hope all well...when will we see DNMS's cheery face again?! Lovely to see CLeosmum again....and all of you other regulars:D Kel - fingers crossed for results in 6 weeks, you'll be fab;)

Ok must crack on, here's my list:

• check banking - move TCs to 'spends account'
• check onepoll
• lunch from home
• meal from plan tonight - jacket pots, chicken and spag hoops/beans....easy one;)
• post girls phones for recycling
• return Amazon parcel
• washing off airer and into airing cupboard
• free cuppas at work
• Uni assignment later
• NSD

Right - that's my lot! Have a lovely, sparkly day:T:T

Lottebear

Goodness my week off is flying by!

- Off to see house - that we have bought today on the train up north
- Use 2 single tickets cheaper than a return!
- Do quick look around, pop to Primark/Wilko to make sure I have everything

- Guests arriving Friday with House clearance stuff.:T

Tomorrow

- Chap coming to fit Furniture
- Fridge delivered
- Tesco Shopping arrives
- Alarm people coming to reset the alarm.

stitching_witch

Good morning all. Pixie - thanks for starting the thread. I'm not sure if DNMS is away for one week or two. If just the one, she should be back any day now!

I'm at work already, putting in 1.5 hours overtime this morning, and another hour after work so I ought to get cracking really!

So far I have:

• had filling porridge for breakfast
• fed and watered the chickens - had a tiny 30g egg yesterday
• made a lunch for work
• DH gave me a lift to work using his diesel

I will also:

• check surveys throughout the day
• check banking this evening
• do a half hour walk at lunch time but the opposite direction to the shops :cool:
• read for the other half hour
• get a lift home with DD
• left-overs for dinner tonight
• have an NSD - 11th this month

DH is heading back to Hastings today for his uncle's funeral tomorrow. There have been too many already this year, three in the space of five weeks
The up-side is that I get three days without him :j:j:j

cattyboo

Morning all! :j

Today I will...
- [STRIKE]have HM smoothie and a banana for brekkie[/STRIKE]
- [STRIKE]charge phone at work[/STRIKE]
- [STRIKE]LSD- taking bread into work for lunch but have run out of soup so will get a tin on the way in[/STRIKE]
- [STRIKE]meeting friend for a drink tonight, will only have one though to save on money and naughty calories! [/STRIKE]
- [STRIKE]dinner from stores for me (baked beans on toast) and making a big batch of chilli for the OH for tonight and freezing the rest (me herbivore, him carnivore!)[/STRIKE]
- check bank
- [STRIKE]check mysurvey[/STRIKE]
- [STRIKE]keep an eye on ebay sales (someone has asked if I can post one of them to Japan...hmm, not sure!)[/STRIKE]

Hope you have a good day everyone, Friday tomorrow hurrah! :beer:

Love C xxx :grinheart

WelshWoofer

Morning all!
Had a really rubbish sleep last night -was awake most of the night - boo!

Have a few things to do today...

• Phone Sky to see if they can reduce the payment at all after reading quite a few positive stories on MSE - worth a try
• Phone mortgage repayment vehicle people to see what the total is at the moment - think its just under £20000 - thinking about swapping mortage
• Find house insurance docs to see when its due for renewal - want to pay outright next time instead of monthly so need to see when I need to budget for the £150 or so its going to cost
• Do some school work
• Put dry washing away
• Take dog to park
• Take dog to vet about his eyes later - think he may be getting cataracts - hope not - poor pooch
• Checked banks
• Maybe clean car?

That's all for now - have a good day!

cleggie

Good Morning everyone!

This morning i am going into uni all day to study and have filled a flask of coffee and packed a packed lunch, so that i dont have to spend any money in the library cafe.
I have only been on this site for a few days and am loving it already!

Jules28

Morning all,

Today I have packed lunches and a flask of coffee for my boyfriend and I for work. I will be doing my surveys later and checking all is well with my DMP (I have to call them later to review my plan).

Have a good day everyone!

Rock_Cakes

Morning all :wave:

Thanks to Pixie for starting us off and welcome to Cleggie

Today I will:
Check bank balances
Check surveys
Charge mobile at work
Homemade lunch
Yoga Class (Om)
Soup for dinner - in fridge defrosting
Pack bag for the weekend

Have a great day everyone
xx

josiebabie

Morning!
Started to post yesterday but got distracted and only got as far as good morning!

Today I have/will:-
- Checked banking - :eek:
- Ordered friends birthday presents from Next, delivered to store to save delivery charge (2 minutes up the road from my work)
- Try to work extra hard today as I need to sell £2000 a day labour
- Snacks in from home
- Dinner at DM's house - she doesn't know this yet I don't think....
- Try to work out a way to cover the £175 I am short next month without using my *now empty* credit card. Although £60 of this is put aside for my car tax so really it's more like £115...plus DB3 will buy 1/2 the food etc for the month and by food budget is £100 so really it's more like £65...which is more doable. LOL :rotfl:
- Sparkle, definately feel like it! :-D

stitching_witch

josiebabie wrote: »

- Dinner at DM's house - she doesn't know this yet I don't think....

I do now!!!! :rotfl:

WelshWoofer

Phoned Sky after reading the positive stories about getting the price reduced and managed to go from £55ish a month for TV (including sports), broadband and phone to £36 a month for the lot!
That's a saving of £20 a month for the price of a 5 min phone call - am well chuffed! They didn't quibble at all and actually offered it to me :j:j

Also called Legal and General that I have the mortgage repayment vehicle with to confirm how much the plan is worth at the moment and it was a bit more than I thought it was - £20600.
My mortgage is for £90000 so if I cashed this in and paid it off the balance it would leave me with a mortgage of £70000ish which I'd then switch to a basic repayment deal. The bank offered me quite a good deal last time I was there so this may be worth thinking about?

Also called the tax office and they agreed that I have overpaid by about £220. Its a bit convoluted to get it back in the next few weeks but if I wait until April it will be paid back automatically so I may just wait until then if the phone call to my last employer for a P45 is not fruitful.

So, for the sake of a few phone calls I now pay £55 a month less on Sky and mortgage payments, will get £220 back from the tax office:T