Wednesday 30th 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.

Good morning everyone :wave: hope you are all chipper today, :j Wednesday! Its a blinking hampster wheel sometimes!

La E saw your post about the transfer deal & your oh setting up a standing order :dance: girl you are on the home stretch :cool2:

So last night I couldn't sleep and I stumbled on a thread about perfum-parlour - they can no longer call the perfumes what they smell like!!!! I have saved the list of the designer names if you need it. BTW mine arrived yesterday - cinema & flowerbomb are delish, (coco mademoiselle isnt right)

Today:

• Work really hard & efficiently, I have so much to do!
• check banking - student money has gone in, mobile bill has gone out :eek:
• fruit & lunch from stores
• get some soil for seeds/plant seeds later
• go for a walk at lunchtime
• surveys now only 85p to go!
• get something out of the freezer for dinner before I go to work
• get keys cut - ds lost his
• call ex-mil tonight - free mins

Stitchy I bought the ingredients to make HM yogurt in the SC - can you explain what I need the muslim for & if I indeed need it? Thanks!

That's it for me, better get my skates on! Have a great day x

mogchops

Morning all, thanks for starting the thread DNMS x

Sunshine disappeared again - just grey out there - meh

Today:
- check online banking (DH been paid, move it all around )
- packed lunches
- heating only on a little bit
- LSD - just need milk
- ironing
- clean kitchen floor
- tea from meal plan (sausages)
- sort mothering sunday cards for my mum and MIL
- and need a wedding card
- washing on 30 later

Have a great day everyone xx

stitching_witch

Morning all and thanks to DNMS for getting us going today. I'm looking forward to my day as I'll be in my own office doing accounts and payroll for the first time in ten days :j (It also means I can stay signed in here and check surveys too )

DNMS - sorry I don't use the SC to make yogurt, I just use a wide necked flask (even more MSE!) so I'm not sure what the muslin would be for, unless it's to strain the yogurt?? I do use the SC to make granola though :cool:


My list so far:

• ran WH on Economy 7
• quick shower on Economy 7
• checked banking
• checked for surveys
• made lunch to take to work - including HM granola bar
• fed and watered the chickens
• taken meat out of freezer for dinner

I will also:

• do overtime before and after work
• get a lift to and from work as DH needs the car today
• visit DGS's mum at lunchtime and get free tea!
• do a bit on "Hungry Caterpillar" quilt tonight
• do my own nails - saving £16 at the nail parlour
• meals from stores
• have an NSD - 15th this month, target met :T

That's all for today, catch up later
stitchy x

pixiechick99

Morning lovely people:j
No work today - but I am off to college all day...thank I'd rather go to work, less taxing on my old brain;)
So - managed an NSD yesterday...must hasve another tomorrow to hit my goal. I've been hopeless this month:o


Ok, here's today's list:

• check banking
• check onepoll
• packed lunch for dd2
• pick up prescription
• make appt for blood tests...yet again:(
• crisps and fruit to college but need to buy a sarnie, have no bread/rolls..oops
• meal from plan tonight - puff pastry pizzas and oven chips
• visit T*sco for a few bits - some are cheaper at A*da so hopefully get a dtd voucher
• heating off

Ok, think that'll do me - have a fab day:beer:

Candy0107

Morning all,

Determined - thanks for starting the thread today

Well, it’s month end today, so will be frantically putting things on the system (I work in Accounts Payable)

Today I have/will
• Will try for a NSD
• Looked for MS jobs
• Make an effort to be nice to everyone today AND try to be positive
• Checked my online banking
• Meals from storecupboard
• 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

Nottoobadyet

Good morning all - and what a grey day it is!

dnms good for you, having a go at yogurt making! However I dont think they allow you to make yogurt from muslims anymore, political correctness and all that :rotfl:

So work drama unfolded yesterday. Essentially the HR lady told me that they would cut my new salary by about 30%. Now, I'm meant to move in just 3 weeks and this put me in a terrible position and I told her so. I gave her my whole side of the story then she ran it around to the different parts of the building... and boom everyone backed down and I get to keep my already cut salary. Result :T:T Thanks to all of you here for your support through the drama!

So lots on today:

• walk to work
• lunch out with collegue but networking
• haircut from student in eve - all of it is going to go!
• dinner from plan and stores
• fill out R95 tax form
• book Uganda ticket
• once I have the ticket, send gym cancellation
• having OH certify copies of my passport at work
• free cuppas at work

Have a good day, all!

IHaveNoMoney.com

Morning all hope you don't mind me joining you, i registered last night and need to make some big changes if i am going to make head way with my debts

Today i plan to:
- check bank and pay minimum on outstanding bills
- clean round and iron
- package things sold on ebay
- clean rabbit hutch
- sort work things
- get ds to nursery for 1pm
- then sleep this afternoon as working nights tonight will charge phone at work to save on pennies and also turned heating off yesterday

I plan to get a sheet ready for calculating all incomings and outgoings this month so i can find where all our money goes

Have a good day everyone

bexs.ua

Morning everyone! :wave: Went AWOL yesterday as found out one of my dogs had a cancerous lump on Monday afternoon at the vets so had to take him in for his operation He's ok today though, just sore where hes had his stitches. Despite the worry though got quite a bit done yesterday and even listed 7 items on ebay!

Anyway, todays list:

Finish the ironing
Check internet banking
clean the house
all meals from stores
heating on low (it's gone quite chilly and OH still got man flu :eek:

Then its off to work for me and see whether there's any electric so I can send the wages.....

Hope everyone has a great day!

complimentschemistry

Morning everyone, hope you're all having good days so far. I'm trying to be more positive at work again today, especially as I heard the other day that there are only 18 working days in April, which means 17 for me as I have the 1st off, yay! Not that I'm lazy or anything, but as some people may be aware I've been getting a bit depressed in the workplace lately. But feeling a bit better today thankfully.

So after that essay (lol), here's what my DFW plans are for today:-

• [STRIKE]
  
• NSD - 6/10 for month, not too bad but will do better next month!
• [/STRIKE] - Not NSD due to the tiny top up *lol* now an LSD
• Lunch from home
• Free tea/water at work
• Do tiny top up on my phone as I'm skint until tomorrow
• Lotsof free exercise today - walking, Just Dance on the Wii and step ups!
• Look for/apply for at least 1 job
• Return application form for another job

Happy Moneysaving! xx

Nottoobadyet

bexs.ua wrote: »

Morning everyone! :wave: Went AWOL yesterday as found out one of my dogs had a cancerous lump on Monday afternoon at the vets so had to take him in for his operation He's ok today though, just sore where hes had his stitches.

Yikes! Poor doggie. Im glad hes ok.

Amara

Hello!
I will:
-call two estate agents
-go to my true customers
-iron
-log on on my chatline
See you later!