Friday 24th June - What small things will you do today??!

pixiechick99

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 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

Morning everyone - woop woop for Friday:j
Hope you're all having a good week and feeling cheery...hugs to anyone who needs one:)
Not a lot going on here - off to work, slightly earlier finish at 2.30 today. DD2 is out at a friends tonight so dd1 and I having a chinese...well, we might - if she can be nice to me and her sister this morning:o

Here's my list:

• check banking
• check onepoll
• packed lunch for dd2
• top up dd1's lunch card
• damp washing back on the line
• lunch from home for me
• drinks/fruit to work
• wrap and post ebay sale - another £10:T
• enjoy my chinese then have an evening on the sofa:D

Ok, that's all for now - have a fab Friday everyone:A

serendipity1985

Thanks for starting Pixie! I hope that you enjoy your chinese tonight, me and the BF are treating ourselves to one because we've been well behaved all month!!

Today I will....
*Check online banking
*Write a list of what I need to pay/transfer on Monday (payday!)
*Work 2 hours overtime
*Breakfast at home, left overs for lunch
*£15 chinese meal for 2
*Movie night at home
*No other spending!
*Reserve half price desk at Argos for collection tomorrow

Hope that everyone enjoys their Friday!

ixia

Thanks for starting us Pixie and enjoy your chinese my favourite

Today I will:

• Check banking/e-mails
• washing out to line dry
• dinner from stores
• DS needs haircut - drum roll please wait for it I have the money it's budgeted for feels good never done that before
• did my shop for this week online last night using £10 voucher and free delivery if I get it delivered on Tuesday will need to buy a couple of bits to get me through but worth it.

Have a great Friday everyone :beer:

elsiepac

Hi all

Sorry I've been absent all week, been very tired and busy and also... NOT SMOKING! YaY! :j Haven't had one since 10pm Monday night... :beer:

Anyway, now I've got that off my chest, thanks Pixie for starting us off, enjoy your Chinese, serendipity, you too! ixia that's fantastic about the haricut money... it's only the last few times I've had mine cut that I've actually legitimately had the money put aside for it...what a great feeling! :T
Must be quick as late-ish already, so here goes my list:

[strike]1. Check OnePoll morning[/strike]
[strike]2. Breakfast from home[/strike]
[strike]3. Either a LSD or NSD - hopefully NSD, but if LSD I pledge not to spend more than £4...that's all that's in my purse anyway! :rotfl:[/strike]
4. Lunch from home...tuna and rice salad...third day in a row, thankfully the last of it, am sick of the sight of the stuff! :rotfl:Fail - couldn't stant the sight of it so had hospital lunch £1.25
5. Work hard - primarily get up to date with emails (about 300 behind at the mo :eek:), and tidy desk ready for when my new guy starts Monday to help sort my workload :j (by the way one of the bosses confirmed to me on Wednesday that they'll announce my promotion at the beginning of July, which is technically when it kicks in, I'll be Senior, woo hoo!)didn't do great, I'll admit
[strike]6. Remember to take the bottle of wine to my friend's house after work that I bought specially and on offer (3 for £12) on Wednesday![/strike]
[strike]7. Obsess about budgets and the fact that mine have gone completely awry due to interest now being charged as I'm "no longer in financial difficulty and paying over the minimum payments"[/strike]
[strike]8. Try and come up with solutions for the above - preferably in lunch break only, thus sticking to my work hard goal!!!:rotfl:[/strike] think I have my solution
9. Check OnePoll afternoon
[strike]10. Dinner from home - portion of storecupboard sauce (so easy and so yummy) and pasta[/strike] didn't do this as ended up having dinner at my friends house - her husband cooks and he made us lovely homemade turkey kievs! mmm
11. Think of ways to make more money - unfortunately a proper part time job probably isn't a solution, I literally have no spare time and am always tired at the moment - partly because I live so far away from everything (but can't move till debts paid off but can't pay them off quick enough due to not having any extra time...vicious circle!) - I'm doing surveys till I dream about them and entering every competition that comes through on my email and trying to do my degree in my spare time as well and I'm out the house from about 0715 till about 2000 every weekday due to work/travel/walking so I'm really struggling anyway and that's without an extra commitment!
[strike12. Don't get upset about above...getting stressed just writing it [/strike]
13. Check One Poll evening
14. Do email surveys
15. Drive at 65 to conserve petrol FAIL - I was sooo late I had to bomb it down the motorways, d'oh!

Think that's it, have a great day all!

LC xxx

Cleosmum

Morning! Woke up at 6am feeling bl00dy awful again, sore throat back, still croaking at everyone and was soo bunged up I couldnt breathe. Decided I may as well get up and do a few bits.

So today I have:

• Put damp washing back on the line from yesterday
• Washed a load on quick wash
• Arranged to meet a friend for coffee next week
• Checked banking
• Washed up the stuff OH didnt get round to last night
• Dried up
• Sprayed the hob ready to clean in a mo
• Double check all docs for car thats going to scrappy today - fingers crossed we get a decent amount! ETA Got just under £100 :j

And still need to:

• [STRIKE]Check PB[/STRIKE]
• [STRIKE]Check MS[/STRIKE]
• Do a shopping list on my supermarket for bits we need
• [STRIKE]Work 3 hrs to make up time for early finish on tuesday[/STRIKE]
• STICK TO SW!!!!!
• [STRIKE]Make sure OH hands in job application for better paid job thats a 30 second walk from home (vibes please!)[/STRIKE]
• [STRIKE]Check flylady for yesterdays and todays jobs[/STRIKE]
• [STRIKE]Meals from stores[/STRIKE]
• [STRIKE]OH working 8 hrs[/STRIKE]
• [STRIKE]Walk the kids to and from school[/STRIKE]

Will update if I can xx

Nottoobadyet

WOW, amazing news Elise!!! congrats!
Thanks for starting us off, Pix.
DNMS two day late response I'll be in Uganda for at least the next two years, maybe longer. Super jealous of your trip to Brazil, i've never been!
Still so jealous of your trip, Perni!! Hope you have a fantastic time.

So much holiday talk!! I will need to plan one of my own soon. My mum is coming in September and we are thinking of going up to Masai Mara in Kenya, but I am desperate to get back to Ethiopia for some hiking in the north as well. That may have to wait until later in the year to hit the good weather.

Off on a work visit to the dusty and rather glum town of Mbarara. Technically on NSDs today and yesterday as everything is covered by per diems, may even have enough left over to see me through the weekend.

So, today its a short list:

• have an NSD
• Work like a maniac
• work out how to get back home on saturday as I may miss my ride due to a very last minute event! I may take public transport, or beg out of the event

Kisses everyone

NBTY

complimentschemistry

Morning all I'm feeling rather chirpy today which is strange as I was up earlier than usual today! Got my cup o' coffee (free at work) so I'm all set for the day :j

Pixie - Thanks for starting us off & enjoy your chinese
Serendipity - You enjoy your chinese too!
Elsie - I hope things better for you, you deserve it
Cleosmum - Feel better!

Things for the day:-

• [STRIKE]Find a cheap folding bike so I can start cycling instead of using the car... any suggestions on where I can find one?[/STRIKE]
• [STRIKE]NSD - 2nd or 3rd of the month which is shocking, but going to try much much harder next month[/STRIKE] - LSD now 40p for chewing gum as I didn't fancy having coffee breath!
• [STRIKE]Free coffee/water @ work[/STRIKE]
• [STRIKE]Lunch/snacks from home[/STRIKE]
  
• Rejig budget AGAIN!!!!
• Look for cheap holiday - weekend away on my own as I need some space
• Sort out healthy shopping list for 1st week in July
• Look for b'day present for Daddy
• Think of where I can take OH for his b'day that's cheap and nice

Happy Friday everyone! xx

Miss149

Morning All!

Thanks for starting us off, and i hope you enjoy your chinese, Jealous! I love Chinese but am on a missing to lose lbs so none for me for a while .

My list for today:

1) Work 8 hours (Boo Hoo!)
2) Leaving lunch with my friend today, although its only at the pub and its 2 for £8 so should be relatively cheap.
3) Then get home, get PJ's on, get on sofa, glass of wine and watch chick flicks with mum and CHILL! All my jobs are done this week bar a little bit of washing, but im on top of everything so very pleased with myself.

All this non spending and watching the pennies means I've been getting upto to date with all cleaning, shopping, organising and catching up! Must do it more often mid week then I can use my weekends for me. BF is back on Tuesday so this weekend is just me, as my parents go on holiday tomorrow, cant wait for a bit of ME time

Have a lovely day alll xxxxxxxxxxxxxxxxxxxxx

Pookie_lou

Morning guys, havnt made it on here for last few days, been so busy with apmts and packing but have caught up with thread.

Wannabe - Congrats on your new arrival, love the name

I have been up since 5.30am, wide awake, thinking about all the things we have to do before moving next week! so at 6am, the washing line was full, a bin bag was full of rubbish and I had sorted a pile of recycyling!

Today, I will-

* Post ebay parcel
* All meals from stores
* Read newspapers online
* Ocado shop being delivered later, used the £20 discount code from here and went through quidco
* Continue to pack / sort / de clutter
* Pick up some free goody bags I have vouchers for
* Meal plan for wkend and next week, using up all bits we have in fridge / cuboards

Have a great day everyone xx

Rock_Cakes

Morning all

Thanks to Pixie for starting us off, enjoy your Chinese. Hope you feel better Cleosmum. Well done on the non-smoking Elsie :T and congrats on the promotion.

:j Woo, hoo. Its Friday!!

Finally spoke to my DH last night, he has been busy this week away with work. He comes back tonight, cannot wait. This week we are packing boxes, move out on the 11th of July but we only have the weekends to do it. So moving out over 3 weekends.

Today I will:

• Check my bank balances - woo hoo pay day
• Check surveys
• Homemade lunch
• Call utilities companies to let them know we are moving
• Go through presentation and do homework for interview
• Write a personal statement for job application

Hmmm, quite a short list must be missing some things . . .

Have a great day everyone.
xx

allydowd

*Shopping with my OH at Tesco then use the Tesco price checker to see if I can get any money back. https://www.tescopricecheck.com/PriceCheck/Pages/Default.aspx

*Plan for Saturday's entertainment. Me and my OH are going to a free choir workshop in Glasgow with the BBC Singers and the Scottish Symphony Orchestra. Just need to locate cut price rail tickets with Quidco discount later on. I've got cheap pizza vouchers for afterwards. Done.

*Repair my miniature coolbag which I take to work. It has a tear in it. Done.

*Rehearse for choral workshop using score and CD from the library (60p).

*Read the papers online.

*'Pray' that I've worked hard enough to earn a bonus at work this quarter (£200).

*Make a homemade southern fried chicken tonight.