BH Monday 30th May - What small DFW things will you be doing?!

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:D

Thought i'd kick us off as no one else has! Happy BH everyone ah it feels great doesn't it not to have to work??? So I intend to enjoy the day as much as I possibly can...

Today:

• check banking & sort out isa transfer/work out budget for June
• breakfast, lunch & dinner (LO chicken something) from stores
• make soup for work next week
• NSD?
• go to the gym
• watch a film/do jigsaw puzzle/read my book
• more trips to the tip - we've made a start on decluttering the garage :eek:
• send off reclaiming CC charges - found statements going back to 2005 with charges on, only 4 but still its worth 20 mins time!
• send off letters requesting PPI information
• laod of hockey cokey on the line & another load in WM

that'll do me have lots of fun everyone x

Jules28

Morning All,

I am at work today and even worse, under a deadline which I fear I have no hope of achieving (the database I need to use will not cooperate with me!). So I think my list will be short as the morning is going to be consumed with work (how annoying when the work you're paid for interferes with your day :rotfl:)

Here's my list:

- check banking
- check eBay
- surveys in the evening
- small shop for the week with OH after work

For everyone on holiday today, enjoy!!

Jules x

Candy0107

Morining All,

Determined – thanks for starting us off today
Jules – hope work goes ok

I have news! – I have managed to buy myself a car! It’s a 1.1 Pug 106….so didn’t post over the weekend as I spent A LOT ….Spends are as follows:
• Car £400 (new MOT and 3 months tax)
• Petrol (£50 Filled up from ¼ full, using MOC)
• Car stereo (£120)….there was no stereo and I can not travel 30 miles to work with no music!....literally, there was no stereo – just a gaping hole!
• In car charger, leads and phone cradle (£5 from Amazon)
• Oil and other bits £20
• Used Quidco compare to get my insurance – first car and only paying £21 per month for the insurance (with £23 cashback)

But, in my defence – I just my Quidco registered card in Halfords, bought loads of bits on Amazon – looking for things which have free shipping…and hubby gave me £200 towards the car


Hi to all new members and regular folk

As I will be driving to work (instead of using the train and throwing £275 down the drain each month) I need to make sure that I know the route to use.

Yesterday and today I have/will do:
• Meals from stores
• Need to work out a budget for the car
• Read paper online
• Checked online banking – moved odd pennies to ISA
• Do online comps
• Need to watch bits on the sky box – we are running out of room (we tend to tape things in HD)
• Will have a LSD – might buy lunch out for hubby and I
• Fill in my food diary
• Drink plenty of water
• Take meds to sort out hormones
• Have an early night – need to catch up on some sleep

Think that is about it – I am sure there will be things I have forgotten.

Have a fabby one!
Candy xxx

Pernicious

Morning all,

I'm posting here first thing today to try & keep me focussed

DNMS - Thank you for starting us off today, good luck with the garage declutter!
Jules - So sorry you have to work today, hope the database starts working properly.
Candy - If the car works out cheaper then the train each month then you've made the right call, congrats! How old is the car if it was only £400? :eek: I hear you on the stereo front, can't be dealing without music if I'm by myself in the car! & also how is your insurance so cheap?! I am paying about double that now & I'm in my third year of driving!

So listy for today:-

• [STRIKE]Heating off for as long as possible[/STRIKE]
• [STRIKE]Food from stores[/STRIKE]
• [STRIKE]Send invoices on ebay[/STRIKE]
• [STRIKE]Package up whatever is paid for ready to post tomorrow[/STRIKE] - All 3 have paid, makes a nice change to be able to make one trip to the post office!
• [STRIKE]Charge phone via pc[/STRIKE]
• [STRIKE]Log calories on free app[/STRIKE]
• Log any expenditure on free app
• [STRIKE]Check for surveys[/STRIKE]
• [STRIKE]Enter comps[/STRIKE]
• [STRIKE]Check out freebies/comp boards[/STRIKE]
• Make a meal plan for this month
• Go over budget for this month again & look ahead to see if I will be able to pay car insurance upfront in August
• [STRIKE]See if OH has renewed the TV licence like I have been asking him to do all week....if not, do it myself as it runs out tomorrow!!![/STRIKE]
• [STRIKE]Check emails & online banking[/STRIKE]
• Read Miss Minimalist some more
• [STRIKE]Do some more decluttering[/STRIKE]
• Get at least 1 item ready for listing on ebay
• [STRIKE]Help OH & my Dad as much as possible with building the fence[/STRIKE] - Finished today :j
  
• [STRIKE]Buy birthday presents from Amazon using cashback & survey vouchers [/STRIKE]- Had a little left over so decided to treat myself & ended up spending just over £4 on a necklace & 3 birthday presents!
  

Have a great, MSE day everyone x

Mrs_Arcanum

DS is downloading a free game for his DS.
Will do the washing later ready to put out 1st thing tomorrow as the weather is dire today.

WelshWoofer

Morning all - a very wet and miserable day here up north.

Mudane boring things to do today (I'm on half term so have the whole week off, apart from tomorrow morning when I'm doing extra revision classes).

• Checked bank and moved money from savings for visit to mum's during the week - am very poor this month somehow - roll on payday!
• Clean whole house
• One load of washing now on
• Bath dog after next wet walk
• Dye hair
• Go to Mr T to put petrol in with 5p off voucher
• Get £50 cash out
• All food from stores
• Stick to diet
• Clean inside of car
• Pack bag ready for wales trip
• Stay in and watch the soaps

That's all for now! Have a good day

Amara

Hello!
Today, I have:
-checked my ebay
-updated my thread
I will:
-[STRIKE]check my emails[/STRIKE]
-[STRIKE]wash fondue set which we used yesterday[/STRIKE]
-[STRIKE]spend rest of the day in bed , I've got a cold.[/STRIKE] I didn't spend all the day in bed, but most of it and all in the house, so hopefully I'll be better tommorow
-[STRIKE]start to write my new project.[/STRIKE]
Bye!

Yargo1

Morning all. also very cold grey and miserable here in northampton!

Have been very slack in postings lately both on here and on the debt v 100 day challenge... Reason.. Cause i have been very bad.
Had a couple of days away in clacton and spent on a card i had paid off during an earlier challenge.. and have felt terrible about it and so not made any payments as yet on the new challenge.

But as of today and this new pay packet i am going to get back on the debt busting wagon.

Hope you feel better soon amara, new car sounds fab candy and have a good day all x

Sparkerly

Morning all - typical BH weather here - had planned on going to the beach, but will have to put that on hold.

Today I have cycled to the supermarket to get essentials intead of taking the car - nearly killed me as ages since I was last on a bike, but worth it.
Do some listings on e-bay
Finish sorting out stuff for a car boot
Make a shopping list for rest of the week using menu plan

Have a good day all.

catmiaow

Hello all,

I had a great holiday, Bruges is lovely but EXPENSIVE. I am not massively keen on going to London, but Wicked was amazing and worth a visit and got to catch up with a friend I haven't seen it in ages!

I have:

Replied to emails
Done comps
Checked job sites
Cleaned bathroom
Done dusting
2 x washing

I will:

Vacuum the house through
Post test stuff
Go and visit my nan
Read my coursework and start preparing for next assignment
Watch some films for free online

Hope everyone has a good day!

Wannabe01

Good morning (just) everyone, Hope everyone is having a good Monday.

My list for today:

[STRIKE]Catch up with emails[/STRIKE]
[STRIKE]Post on here[/STRIKE]
[STRIKE]Catch up with surveys, swap its and daily clicks -update spreadsheet[/STRIKE]
[STRIKE]Catch up with freebies[/STRIKE]
[STRIKE]Look for ms work[/STRIKE]
[STRIKE]Complete articles for client[/STRIKE]
Clean and tidy the living room – catch up with flylady thread
[STRIKE]All meals from stores[/STRIKE]
[STRIKE]Collect DS from school[/STRIKE]
Do some work on the database
Complete report
[STRIKE]Update work records[/STRIKE]
Catch up with competition thread
Try and find the curtain hooks
[STRIKE]Do some laundry and hopefully get it outside[/STRIKE]
Do some work on clients blog
[STRIKE]Sort out what needs to be completed on Tuesday[/STRIKE]

I think that is everything that I need to get completed today. Hope everyone has a good Monday.