Friday 25th Feb - what small DFW things will you do today???!!

La_escocesa

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.:j:j:j

Hi everyone

What a fantastic morning avec moi - payday, Friday, and the day I realised I have £230 more for March than I thought :T :T :T

Woo hoo!

Listypops looks like this:

• Walking
• Croissant treat
• Move the £££ I didn't move yesterday
• Work hard but not too hard and make sure I take a 1hr lunch break! :cool:
• Watch the world go buy from 8th floor window with a cuppa when I start getting riled by it all!
• Charge phone for the weekend ahead
• Text mum
• VSP transfer
• PAD to cc
• Checked other cc balance to pay off in full - 12p interest - yoga deposit didn't get taken off until after bill was generated - hence £230 extra this month... Shall put £100 from this month towards it though.
• In tonight
• Modified what I'm knitting so I can use yarn I've got and not buy more
• Getting excited about the weekend :j
• Update diary thread
• Call e-bay woman who hasn't paid
• Voluntary work??? 2 calls maybe and an email might be all that is needed but not passing on good news so kinda putting it off
• Buy card for friend from cheap card shop and hopefully find nice gift bag/wrapping/box too

Happy Friday y'all!

:beer:

DebtfreeBY40_2

Its pay day today, woo hoo! I've just paid my Next bill for the month. A few months ago I would have left that till the second reminder next month! And then got penalised for it. How things have changed!

1. Check bank accounts
2. Take lunch to work
3. Drink Diet coke from multipack special offer from Tesco rather than vending machine
4. Work some overtime if possible
5. Order husbands new shoes through cash back site
6. Not go and "treat myself" as its pay day! No, I'm going to use my money sensibly this month
7. Use work car to get to and from as I am on call
8. Do on call and claim £ for it

It is a day full of possibilities and I guess I had better get to work!
Have a great MSE day everyone!

determined_new_ms

Monring La E :wave: thanks for starting us off :A morning to eveyone else who follows :hello: and TFI its Friday :j I have a very exciting weekend planned this week as we're going to the ig smoke for a friend's birthday party & then on Sat we're meeting up with a friend I haven't see in about a decade :dance: should be laughing and laughing all weekend through

ok quickly or I will be late:

• checked anking
• did VSP transfer - need to declare on the thread
• soup out of freezer for lunch & fruit for snacks
• drink 2 ltrs of water
• free porridge for brekkie
• check tyre pressure in lunch break

ok that's all I have time for. Have a lovely lovely Friday and I will catch up on Sunday

La_escocesa

determined_new_ms wrote: »

ok that's all I have time for. Have a lovely lovely Friday and I will catch up on Sunday

Oooh, have a lovely time :beer:

La_escocesa

DebtfreeBY40 wrote: »

3. Drink Diet coke from multipack special offer from Tesco rather than vending machine

Hi DebtfreeBY40 :wave:

I can't believe I used to buy from the vending machine! Complete craziness that saved me loads.

:j to payday!

cleggie

I have just paid off my rent arrears and paid £300 towards cabot!!! woo hoo, those are my 1st payments since i faced up to my debt and it feels GOOD!

starnac

morning all. happy payday to the lucky ones. i've got to wait til monday

list for today

buy car tax
check banking
hope colleague honours swap from yesterday in which case good day in work today
visit friend
tidy kitchen
tea from stores
HC
LSD as may be taking client for lunch again today NSD if not
keep calm at work and not let the little things bother me (that'll be a hard one)

hope all you lucky ones who don't work weekends have a good one. happy friday everyone

pixiechick99

Morning all you lovely ladies:beer:
Everyone sounds very happy today - Friday and payday together helps I guess:p

Tis my birthday...shhhhhh...so I should have a lovely day! Not doing much really, few errands to do, dd2 coming with me to keep me compny - and mum and dad taking us out for a meal tonight:D

So, here's my list:

• check banking
• check onepoll
• do Tesco shopping - armed with list and £6 off till spit
• hand in app form to join the 3rd yr of the degree
• hoover downstairs
• meal out, paid for my mother:T
• petrol at Tesco to get a few points
• get girls bags ready for long day out - competition

Ok, that'll do me - have a great day;)

starnac

happy birthday pixie :j

cleggie

Happy Birthday Pixie!

Rock_Cakes

Morning all :wave:

Thanks to La E for starting us off and Happy Birthday Pixie, hope you have a great day :bdaycake:

Woo hoo payday for me too and it's Friday :j

Today I will:
Walk to work
Check bank balances
Check surveys
Charge mobile and ipod at work
Have homemade lunch
Walk home
Have dinner from freezer
Start rooting around for more stuff to Ebay - just got an email today no insertion fees!!!!
Enjoy the whole Friday night with my DH, it's something of a novelty for us

Have a great day everyone :beer:

xx