Wednesday 20 April - What small things will you do 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 peeps :wave: I truely hope that you are all happy & that good things happen for you all today - compliments let us know when you know about the job? I've got everything crossed for you x

Well up early as usual payday for me :dance: so I have been up shifting funds etc!

Today looks liek this (as well as working my socks off):

• check banking and shift funds - can anyone advise me on ISAs? if I pay into my current one from last year does that mean I can't open another this year or can I use it until a better offer comes up?
• check for surveys
• lunch from stores - LO salad & tuna & mayo to use it up , enough porridge to really fill me up!
• dinner from stores - probably gonna be some of us have one thing & some have another to make sure things get used!
• go for a run after work - I've signed up to do a 5k run in a couple of weeks!
• LO day - not NSD as I have a few top up bits from Aldi's
• check my tyre pressure as its a spending day
• washing on the line before work
• contact buyer re picking up old SC
• take some bags/boxes to CS
• look for campsite details to get away over BH :dance:

I have to say after reading about minimalism & being a "minsumer" (as opposed to a consumer) it has made NSDs so much easier!

Have a lovely day guys x

Lost_and_nervous

[*]go for a run after work - I've signed up to do a 5k run in a couple of weeks! Good luck with the run, do you do running on streets/park or on a tredmill?

[*]check my tyre pressure as its a spending day Do you pay to check your tyres?

I have to say after reading about minimalism & being a "minsumer" (as opposed to a consumer) it has made NSDs so much easier! WHats this all about?

Thanks for starting us off!

Lost_and_nervous

Good morning everyone,

Another bright day here. I am really getting into this thread now.

Today:

- meals from stores - forgot to get the chicken out yesterday so we have it today.

- checked online banking - I was -£100 but am now -£14.58 :j thank you child benefit

- sold 2 items on ebay £2.43 :j one of them has been paid for so wrap it up and get it down the post office

- send letter recorded delivery which I have written to try to reclaim the difference of underpaid PPI claim I put in. Fingers crossed.

- List a few items on ebay.

Have a lovely day everyone

OrangeFairy

Morning all!!

Off to work today. Didnt have to pay for childcare this week as we have worked it so OH and I are working opposite days. Shame we couldnt have a day off together to take the kids out but hey ho - has to be done.

Only 2 more days at work including today left to go!!

Today
Walk to work
Very quick shower
Plan what i am doing tomorrow
Work very hard at work to get ahead of the bits i need to get done
Email solicitor!
Lunch from stores - chicken casserole left overs
Dinner from stores

That is me!

Have a great day! x

Candy0107

Morning all,

Thanks for starting us off today Determined
Must keep my head down today – looking forward to the long weekend

Today I have/will
• Will have a NSD
• Look for MS jobs
• Checked my online banking
• Need to pop into town at lunchtime to get a balance on my ISA
• Ordered the forms online to renew my driving licence
• Think positive today
• Meals from store-cupboard
• Used railpass to get to work
• Read newspaper online
• Need to check out the freebies and the competition boards
• Enter comps online
• Washing on a quick wash 30 degrees
• Need to cancel the phone insurance (sold the handset) – must do this as cancelled the DD last week….nope, still not done – grrr, this is getting annoying…MUST do this tonight
• Work through my CCCS budget as due for a review

Take care everyone
Candy xxx

butler1882

Good morning everyone.

Well today im working till quarter to 5 and got no money just food from home so thats good
-will check ebay
-check onepoll
-really need to do some revision when i get home as I have a practical exam next thursday.
-work out my money to see what I can spare for st georges day with the lads
-stay in and watch football and resist the urge to get a few cans for the match saving me 6quid (every little helps)

Have a nice day

Pernicious

Morning all,

DNMS - Thanks for starting us off on such a positive note once again!
Lost & nervous - It get's addictive doesn't it!

Today's plan:-

• [STRIKE]Heating off [/STRIKE]
• [STRIKE]Food from stores [/STRIKE]
• [STRIKE]Make use of free coffee/milk/water etc at work [/STRIKE]
• [STRIKE]Charge phone at work[/STRIKE]
• [STRIKE]Pop to Mr T's after work - stick to list & try more value items/check out reduced aisle[/STRIKE] - Finally found value pasta! Bought 7 bags of the stuff & saved a fortune!!! Also found some nice roast potatoes with garlic butter in the reduced aisle...not good for the waistline but sounds delicious, apparently Wednesday after work is a good time to go!
• [STRIKE]Log calories on free app[/STRIKE]
• Log expenditure on free app
• [STRIKE]Check for surveys[/STRIKE]
• [STRIKE]Enter comps[/STRIKE]
• [STRIKE]Dinner from meal plan[/STRIKE]
• Tkd tonight - Too shattered again, what is wrong with me?! Need to get motivated...
• Try & sort flat tyre...
• Washing on quick cycle - Didn't need too as didn't go to tkd
• Hang up to dry
• [STRIKE]Read Martin's email[/STRIKE]
• [STRIKE]Put receipt details into Mr T's price checker[/STRIKE]

Have a great, moneysaving day everyone x

complimentschemistry

Morning everyone, what a lovely sunny day... and I'm stuck at work! Thanks DNMS for starting us off and for keeping things crossed for me, I really hope I get it too and I'll come straight on here when I find out!

Things for the day:-

*NSD - 4/6
*Don't weigh myself (keep weighing myself every couple of days, I won't notice if I keep doing it!)
*Send pro-rata offer letters today - fingers crossed for that too!]
*Lunch from home
*[STRIKE]Breakfast[/STRIKE]/dinner from stores
*[STRIKE]Free tea/water @ work[/STRIKE]
*[STRIKE]Free exercise walking dog this morning[/STRIKE] and racewalking later
*Sort out monthly shopping list/meal plan for May (this is a new thing for me but I'm sure it means I'll save loads of pennies!)
*Clear desk today, which I always say but never happens
[STRIKE]*Speak to Specsavers as need new contacts, other ones aren't giving my eyes enough oxygen... anyone else had this problem?[/STRIKE]
[STRIKE]*Find out about the interview I went for Friday... eek![/STRIKE]

Hope you all have great days xx

EDIT: Didn't get the job, literally came 2nd apparently so I'm proper gutted Got another job that I've been put forward for though so I hope I have more luck with that one. Going to try and be positive and just keep trying!

bexs.ua

Morning everyone! Thanks DNMS for starting us off on this lovely sunny morning I wonder how NTBY got on yesterday?

I'm off to work in a bit, but there's electricians working on the main circuit so power will be off at 1 o clock.... no one bothered to tell me it was going to be off yesterday all day either :mad::mad: so had a mad panic to send the wages at half five :eek::eek: just made it! (totally forgot about BH on Friday as usually I send on a Wednesday to go into bank on Friday but had to do it a day early!) Wonder whether I'll remember that next week as well??? :rotfl::rotfl:

Woke up this morning and found our front door WIDE open.... (live in a semi rural area and have 2 very scary looking dogs so never really bother to lock while we are in) Both dogs just looked at me as if to say "Please shut the door, we're cold in here can't you see?!!" :rotfl::rotfl: Useless creatures, I'm sure they'd welcome any burglar with open arms and many licks!

Just a small list for me today, did a load of washing yesterday afternoon and dried it on the line while enjoyed the sunshine so none left for me to do today.....

Checked internet banking
DS taking packed lunch to school club
OH taken sandwiches
heating has been off since yesterday morning
small amount of ironing
going to the market this afternoon as nothing to do at work
MUST put air in tyres, one is looking decidedly low

Debating whether to go to Morrisons and do a shop next week as they have the 6p off per litre..... surely must be :money:?? Car tax due too, must do today while its a spendy day :eek:

Anyway, sorry for all the waffling, must go and get ready to go to work, hope you all have a good day

Erme

Sorry haven't been on here..am decorating :j....

So here is today's list (cos am ahead of schedule :money:)

AM

• Get no. 1 blind and tidy up lounge floor

LUNCH

PM

• Go to Bookends for monies (£15-20 from old books sold that are now on pc :money:)
  
• Clean ratties and move their cage. Move books and fold up bookcase
• ?white paint (on southern wall - first coat)

E

catmiaow

Hello all,

My list for today:

[STRIKE]Reply to emails
Check bank
Transfer cash back to savings [/STRIKE]
Check job sites
[STRIKE]Update ipad2[/STRIKE]
Post parcel to friend and post test letter
Do comps
Tidy after cats
Shower and wash hair
[STRIKE]Mop kitchen floor[/STRIKE]
Use free texts and mins

Hope everyone has a good day!