Tuesday 15th March - What small DFW 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.:T

Ha ha ha I have actually just copied & posted my whole post from yesterday as I didn't do very much/am doing exactly the same things! :laugh: I might go to a Lecture on personalisation in mental health services tonight but I might feel really lazy after work and not bother!

Stitchy I hope you are feeling better today & get posting girl!

smiles & hugs to everyone x

Today:

• [STRIKE]check banking & cc balance[/STRIKE]
• [STRIKE]update GC spends[/STRIKE]
• soup for lunch, fruit for snacks (OMG I found some salt & vinegar crisps that are diary free this is likely to scupper my diet completely!)
• Try for a NSD
• send in on call claim sheet
• drive carefully to & from work
• dinner from stores
• make apple crumble to use up the apples/might need to freeze some
• go for a run this evening
• check for surveys
• practice the portuguese I learnt last night - very simplistic :undecided
• [STRIKE]
• call last year's insurance company and tell them not to renew my insurance this year as I have found it £100 cheaper elsewhere!
• [/STRIKE]

pixiechick99

Morning:D
Not much happening here for me today - I'm happy as I finished the last of my outstanding assignments left over from last year of my course - when I was off work for yonks and then had the op I got really behind. So, seeing as I'm in the 2nd year of the course I can concentrate on the 2nd year work...not last year's...all done:beer::beer:

Ok...better crack on with my list:

• check banking
• check onepoll
• empty airing cupboard of clean clothes
• bring washing in off the line (forgot to bring it in yesteryda, just opened curtains and seen it;))
• meal from plan tonight - spag bol/chilli)
• mince defrosting in fridge
• packed lunch for dd2
• hoover lounge
• free cuppas at work
• pick up a few groceries
• check ebay listings
• sparkle:T
• crash out on sofa and watch Holby, then bed;)

That's all for now - have a fab day:T

DebtfreeBY40_2

Morning, back to normal day shifts today but a late night because of working late turn and being on call. I feel like I've had too much to drink! Hey ho!

1. Check banking - done, those two big payments still haven't gone out but I know they'll take me unawares the day before pay day, just like last month!!!!
2. Take lunch to work
3. Drink water all day at work (back on diet, managed to drink 1.5l yesterday which is the first time in months, brilliant!)
4. OH posting all eBay items sold yesterday off today, all paid. One item being picked up later netting up a cool £40!
5. Wait up late again, this time for Ocado delivery coming between 10 and 11. But that meant the £75 shop that we got £15 off of and £8 cash back was free, total MSE! So will be getting the meat to last until pay day. Told OH last night that in the next two weeks we will buy some fresh veg but nothing else (only have £20 left!)
6. Work hard, enjoy my food, focus on the diet
7. Keep up my diary. I started it yesterday. I hope it will focus me on the money and the diet. Yesterday was a very good day on the diet. A lot of £ spent as OH car had to go into garage but otherwise I didn't spend any £!

So. Have a good day everyone. Keep focussed. Hopefully that will keep me focussed too!

OrangeFairy

Pixie - Well done on catching up on your last year work - that must be a weight lifted!

Right i had better be quick as 3 children will be arriving to my house in 20 mons and i am not showered!

Today

College - take tea in a flask so i dont buy any
Walk out with the prams with my niece to keep her happy
Post 3 ebay items
Pick up a couple of bits for tea
Put sausage casserole in the slow cooker
Lunches for tomorrow
Dinner from stores
Mealplan

Thats all i think at the moment - a lot depends on how well the baby behaves!! x

ceejaydee23

Morning! Well id like to say id be doing loads of DFW stuff today, BUT it looks like its already blown out the window, Cos id forgotten to get bread out of freezer, and other half wont let me use frozen bread to make his sarnies with (not that he would have known by lunchtime anyway!) So he has had to go out with money for something today.

Will also have to go out n get a £5 postal order to go with a letter for token payment to one of my Creditors! I cant really afford this at the moment, but its gotta be done!

And to top it all off, I had a daughter throwing her guts up last night! over a pile of clothes in her room, (the dirty stuff she took off last night, no way am i washing that lot through so its gone in the bin!)

determined_new_ms

:j totally excellent news about the uni work Pixie :dance:

determined_new_ms

ceejaydee23 wrote: »

And to top it all off, I had a daughter throwing her guts up last night! over a pile of clothes in her room, (the dirty stuff she took off last night, no way am i washing that lot through so its gone in the bin!)

hey ceejaydee why don't you pop over the the os board - I bet they have some advice to get those clothes clena lickerty split!

Candy0107

Morning all,

Determined, thanks for starting the thread today – good find with the crisps

Today I have/will
• Will try for a LSD
• Need to transfer some money to a friend’s sister who is organising my friends hen do – an overnight stay in Bristol….really excited as I could do with a night away from home (and the joy of a double bed all to myself)
• Lunch and dinner from storecupboard
• Need to buy something chep for breakfast (bought in cereals but there is no milk in the building)
• Used railpass to get to work
• Charge phone at work later
• 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 when I get home

Have a great day everyone
Candy xxx

stitching_witch

Good morning all, and thanks to DNMS for starting the thread. I'm up and ready for work, but finding it hard to get motivated today. I came home at lunchtime yesterday as I had a steaming headache, really couldn't concentrate and kept making mistakes - not good when I do the firm's accounts and payroll!!! Two hours of stitching corsets and the headache had gone and I was feeling bright as a button.


List so far:

• checked banking
• checked for surveys
• made lunch to take to work
• had warming porridge for breakfast to fill me up
• fed and watered the chickens
• boxed 6 eggs to sell

I will also:

• do half an hour overtime before work
• charge mobile at work
• keep an eye on surveys during the day
• do a half hour walk at lunchtime
• either read or work overtime for the other half hour
• do an hour overtime after work (if I last that long!)
• finish waspie corset sample and take photos
• start corset belt sample (logging number of hours to calculate labour costs)
• dinner from stores
• have an NSD

Better get a move on, but posting on here really does focus the mind. It'll be interesting to see how long I last at work today :o

littlebigspender

Morning everyone,

just a quick one from me today as have to run for the bus in a minute!!

Checked online banking
Had brekkie/coffee should do me til lunch!

Have to go shopping tonight but will keep at low as poss!
Do some surveys tonight
Put 5 things on ebay

That's it,not much!

Have a good day everyone!!

elfen

Today:
Check bank
Walk 5k
Swim
Stick to food plan
Stick to to-do list
Washing