Wednesday 11th May 2011 What small DFW 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.

oh my gawd can't believe I'm starting this when I've already woke up sp late!

Today:

• get ready & do a presentation at work - was told at 4.50 yesterday I needed to do it! :mad:
• lunch from stores
• check baking & shifted funds
• NSD? Am awful at these this month!
• dinner from stores
• up date spending diary

that'll do for now will add more later! Happy a great day x

stitching_witch

Morning all. I'm a bit worried about going in to work today. I went AWOL on Monday afternoon and took yesterday off too. now I have to go and face the music. Have I ever mentioned that I hate my job? :rotfl:
I took advantage of my free day by writing a jobs list for the house and garden and doing 22 out of the 25. Result!!


So far I have:

• fed and watered the chickens
• boxed up 2x half dozen eggs to sell
• had HM granola for breakfast
• gathered together a lunch of sorts
• checked banking
• checked for surveys

I will also:

• get lift to and back from work
• get paid for eggs
• keep an eye on surveys throughout the day
• dinner from left-overs tonight
• meet up with a customer tonight and get the deposit for a corset and matching mini-skirt
• just buy one drink each in the pub where we're meeting

Okay, nerves are setting in already. Big smile and off I go....

stitchy x

La_escocesa

Good luck stitchy

Thanks for starting us off DNMS

I've started going into work a bit later now I don't have as much on (now only working my regular hours, which for some reason feels like hardly anything and like I'm skiving ) but I'm hoping it will mean I can post in the mornings and get myself focussed for the rest of the day :T

Thanks everyone for your lovely comments yesterday I know that things are still moving in the right direction generally so I should just keep plodding along, just temporarily frustrating because I was used to seeing that cc come down by £400 a month and now it's just all going on loan repayments, but that is still a good thing. Just need to keep reminding myself...

So, enough of my waffle...

• Looked seriously at June's budget :cool: Can cover minimum payments on everything and full loan repayment and will have a whole £15 per week to spend on me :cool: With this I mean, just on me/junk/clothes/make up/toiletries and stuff I probably don't even need so I am sure I can do this... If I want a take away one weekend then it means I need to follow it by a bunch of NSDs the following week... Hmm, we'll see how this goes. Wish me luck!
• Made lunch for work
• Walking everywhere
• Free cuppa in work - no milk at home anyway
• Tidying round tonight
• Watching The Apprentice - anyone see it last night? It's hilarious.
• Decide on friend's bday pressie...

Perni - was at hubby's Tetsudo class last night. It's a Tibetan style of martial arts that came over here just about 40 years ago.

xxx

La_escocesa

This is what I'm bearing in mind today http://samovarlife.com/one-cup-at-a-time/

Ah, a nice wee cuppa...

pixiechick99

Morning all:hello::hello:
Day off for me - no work or college:T
So, off to doc for my weekly blood tests then go do food shopping, oh joy;)
Must get cracking on an essay that we're doing in timed conditions next week - yuk, yuk, yuk:rotfl:

Here's my list:

• check banking
• check onepoll - it's speedier again:D
• packed lunch for dd2
• go to doc for blood tests
• go to T's armed with list
• renew uni library books online
• meal from plan tonight - Nigella chicken stuff
• enter daily comp
• check ebay listings

Right, that's enough for me - off to sort my hair:D
Have a great day!

Candy0107

Morning all,

Thanks for starting us off today Determined
Stitchy – hope work is manageable for you

Today I have/will
• Will have a NSD
• Look for MS jobs
• Checked my online banking – no change….expecting breakdown payment to go out (phoned them yesterday and they said there was no problem)
• Think positive today
• Meals from store-cupboard
• Used rail-pass to get to work
• Read newspaper online and got the free paper on the train
• Need to check out the freebies and the competition boards
• Enter comps online
• Washing on a quick wash 30 degrees
• Drink plenty of water
• Take meds and herbs to control hormones
• Need to catch up on the thread from the weekend
• Off for a picnic with workmates at lunchtime if the weather holds out

Take care everyone
Candy xxx

Jules28

Hello All,

I am a bit tired today but I think other than one call, I should have a quietish day here at work.

Stitchy, hope it goes ok for you at work.

Here's my list:

- go to bank and pay in money from OH
- pay bill online
- charge phone at work (forgot to yesterday)
- packed lunch
- dinner at mother-in-law's
- fill up water bottle several times from free fountain at work (I used to drink 2 litres a day then got out of the habit of doing it)
- stepson is staying over so a load of washing will be done on the 30 degree cycle (he is only 3 so tends to generate a lot of washing hehe)
- continue to check for freebie tickets to see Pirates of the Carribean 4 tomorrow (the preview showing near us is full so I am checking a lot incase there is a cancellation)

Think that's all for me today, have a good one

Jules x

josiebabie

Morning everyone!
Thanks for getting us started determined

Here is my list for today:-
- Check banking
- Breakfast at home
- Bread out of freezer
- Pirate costume arriving today, reduced from £35 to £15
- Netball match tonight, will go straight from work and take own water
- Work hard today and invoice lots!
- Have a close look at June's budget
- Lunch from home
- Boil kettle for one bowl of washing up, HW been off for ages now
- Try to clear some of my WIP at work
- Sell a purge?
- Surveys! Though keep getting screened out
- Change Hotmail password
- Sparkle

Jx

Pernicious

Morning all,

DNMS - Eek! Good luck with your presentation, that kind of thing would make me nervous enough as it is let alone with that short notice! :eek: Hope you managed to sort out your online banking.
Stitchy - Ooh you rebel! Hope you have a good excuse up your sleeve
La Escocesa - I've never heard of that one, I'll see if there's anything on youtube later! Did you enjoy it?
Pixie - Enjoy your day off!

I have my interview later, very nervous I haven't had an interview for a good 4 & a half years...so this could be interesting! Wish me luck, I'll need it!

So, today I have/will:-

• [STRIKE]Heating off [/STRIKE]
• [STRIKE]Food from stores [/STRIKE]
• [STRIKE]Make use of free water etc at work [/STRIKE]
• Print receipts for parking - Forgot to do this, will do tomorrow
• [STRIKE]Charge phone at work[/STRIKE]
• [STRIKE]Log calories on free app[/STRIKE]
• [STRIKE]Log any expenditure on free app - aiming for a NSD though[/STRIKE]
• [STRIKE]Check for surveys[/STRIKE]
• [STRIKE]Enter comps[/STRIKE]
• [STRIKE]Dinner from meal plan[/STRIKE]
• [STRIKE]Check emails & online banking[/STRIKE]
• [STRIKE]Check eBay[/STRIKE]
• [STRIKE]Tkd tonight[/STRIKE]
• [STRIKE]Check Mr T's price check result if it comes through![/STRIKE] - Tesco is cheaper once again
• [STRIKE]Stay in at lunch to avoid the shops[/STRIKE]
• [STRIKE]Read Martin's email[/STRIKE]

Have a great, moneysaving day everyone x

Rock_Cakes

Morning all

Thanks to DNMS for starting us off. Stitchy hope work goes OK. :grouphug: La E watched the apprentice last night, one word: numpties! All that management speak makes me cringe. Hope the budget planning goes well.

Today I will:

• [STRIKE]Walk to work[/STRIKE]
• Check bank balances
• Check surveys
• Leftovers for lunch
• Walk home
• Yoga
• Homemade dinner for tea
• Make batch of veggie tagine for tomorrow's dinner
• Tidy the flat
• Job search

Have a good day everyone.
xx

ziggy2407

Good Morning All

DNMS - thanks for starting us off and good luck with the presentation
(((stitchy))) - dont let work grind you down
Perni - Good Luck for today
La E & pixie - enjoy your day
Candy - thats quite a long list, take DNMS's advice and make time for yourself too. How's the weight loss going? Mine is slow, lol, but it didnt go on overnight so it aint going to come off overnight either.

Anyway, enough waffle from me, todays list

Check Banks - Done
Check Lightspeed
Check "Swapits" for LO - Done
Check Ebay - Done, no interest yet
Ironing
Investigate price of TV ariels v extra set-top box from Virgin
Enter a few comps

May do more but may just read library book, we'll see. hope everyone has a great day.

Love and Best Wishes to all :A