What small DFW things will you be doing today? Wed 3rd Aug July

allydowd

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!

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.

:A

Well we had a horrible electricity bill shock yesterday...long story..so we'll be sorting that out and:

*Having an outdoors bbq. As we have loadsa surplus gas and nothing much left in the electric meter. :eek:

*Using candles for lighting later.

*Had a cold breakfast s'morning to save electricity.

*Going to spend a voucher.

*Having a long chat with my OH about what we can do to use virtually no electricity.

*Charged laptop and phones overnight.

*Planning what to do with my 4 days off that start today. :T

kjp

Hi all!

Thanks for starting the thread, hope you enjoy your days off Ally and sorry to hear about your electricity shock - hope you can get it sorted soon.

Today I will:

• Read Martin's email :money:
• Check banking - should be no more changes now money's come in apart from phone bill til end of the month - fingers crossed!
• Drive carefully to work to preserve my two bars of petrol, hoping to make it last another day
• Post ebay item
• 500 words of essay
• Work hard!
• Lunch from stores - thinking cup a soup...
• NSD hopefully unless I need to get petrol
• Keep a close eye on Ebay items and will them to sell soon!
• Check paypal balance and maybe transfer some out
• Watch TopCashBack like a hawk to see if my cashback is ready to be paid!

Right, best get ready for work so I can leave on time and not have to waste fuel rushing to work!

Have a great day everyone, the sun is shining down here!

Kx

josiebabie

Bonjourno everyone!
Lovely day here in Sunny Salisbury and I'm up for it again!!! Who's with me?!
My list:-
- Checked banking, looking good! :-)
- Breakfast at home
- Lunch/snacks from home
- 1x purge opportunity today
- Wii fit tonight instead of gym - saves £4.50
- Turn HW off when I get home, forgot this morning
- 1x HC and hang on airer
- Sparkle :-D

Jx

Candy0107

Morning All,

Hugs to those that need them, hi to all regular posters and newbies

Thanks to Ally for starting the thread - hope you get the electric sorted
Josie – I’M IN!!!!! (not shouting, but really energised) :j :j :j :rotfl: :rotfl: :rotfl: :T :T :T

Today I have/will
• Will have a LSD – need to buy lunch, but this should be a cheapy as the canteen is subsidised (ran out of time this morning)
• Breakfast at my desk – cheaper than eating downstairs (weetabix from home, their milk)
• Do any surveys in my mailbox
• Look for MS jobs
• Dinner from stores
• Sent away for my free tube of toothpaste (on the weekly email)
• Checked my online banking – DD has gone out, moved odd pennies to ISA
• Worked on my budget for the month – not pretty, but should be OK
• Check Quidco
• Charging phone at work
• Think positive today
• Read newspaper online
• Read the freebie paper on the train
• Need to check out the freebies and the competition boards
• Enter comps online
• Drink plenty of water
• Take meds and vits to control hormones
• Update food diary (online and paper copy)
• Check mobile useage
• Stop spending all my time at work wishing I could have a holiday
• Work out how many payments I have roughly until I am debt free (and can have the holiday I need)

Will see what happens....

Take care everyone
Candy xxx

Nottoobadyet

Good morning all!

Was lovely to see the thread hopping last night.
Jealous of your weekend, Perni!!! I've only ever been to one big concert, Im sure Iron Maiden were epic.
Oh your holiday sounds so lovely La E. I love loch lomond - must have been so romantic!
Yes DNMS i am absolutely having the time of my life in Uganda. At this rate i may never leave :rotfl:

Evening plans are a bit up in the air tonight as I dont know if the boy is back today or tomorrow. Either way, for today I:

• haggled for boda ride to work
• breakfast from stores
• will work like a madwoman as I need to leave early for my...
• first formal motorbike lesson after work! eek exciting!
• check banking - ex has sent back money my online banking sent him accidentally, whew!
• move small remainder from last month into savings
• make dinner at home

Hope everyone has a good day!

ixia

Morning everyone

Ally- thanks for starting us and sorry to hear about the electricity
NTBY- enjoy your motorbike lesson

Today I have:

• Checked banking/ e-mails
• Completed a survey- also had enough to claim a £10 voucher so that's done.
• washing out to line dry

Still to do:

• Pile of ironing
• make mash for tonights dinner
• check quidco- still waiting to hear from claims I raised
• another wash out to line dry
• get tickets with orange wed for DD2 to take DD1 to cinema later.

Going to meet a few friends for lunch won't be very MSE but it will be worth it. My friend is ill and going into hosp on MOnday so need to cheer her up I'm looking forward to seeing them.

Have a good day everyone.

stitching_witch

Morning all, just running in quickly as I'm behind this morning. Trying to fit too much in before work again

So far:

• HM granola for a filling breakfast
• fed and watered the chickens
• made bread dough and left it to rise whilst I'm at work
• soaked lentils to pad out tonight's chilli
• checked banking - the balance transfer amount has been taken off my CC2 so it's now accruing interest, yet it hasn't been credited to CC1 so I'm still paying interest there. Two lots of interest on the same £800 - that's not cricket!!!
• made lunch and snacks to take to work

I will also:

• take bike to work as it uses very little petrol
• keep up with surveys during the day as I didn't get time this morning
• knit at lunchtime to avoid going out
• bake bread this evening
• dinnier from stores
• have an NSD

I had a discussion with a friend last night about the usefulness of counting NSDs. For example, yesterday I knew I had to buy petrol so I also bought fruit and spent some money in the charity shop. I'll probably not need to spend any money today and tomorrow. Her arguement is, what difference is it if I bought petrol yesterday, bought fruit today and went to the charity shop tomorrow? It's the same amount of monry just spread over more days? Discuss.....

La E, DNMS and Candy - I did reply to all your questions when I got back from my friend's house last night so please check yesterday's thread for your replies!

josiebabie

Because on NSDs you can leave your purse at home and not be tempted to buy anything. Taking purse in on one day rather than 3 days. Of course if you are strict with yourself it makes NO difference. Come on mum, YOU taught ME this! xxx

Amara

Hello!
Today, I will:
-go to my four customers
-go to bank to pay in some money
-hoover
-pay the loan
-pay the council tax
-update my thread, today is the last day of the challenge
See you soon!

Aria`s_Tail

Morning evryone, I'm still on holiday, nice not having to get up at 6! As i'm back home it's time to knuckle down and get some debts paid down to get closer to my moving down to the W Midlands goal.
Todays list.
Checked banking. :eek: Not very clever after my long weekend partying.
Shower.
All meals from house.
Will go to Lidle for milk, bread , tin foil and veg oil, NOTHING else.
Go visit mum and a couple of friends.
Go and visit a client in hospital.
Take dress back to Debenhams. Bought it in Brum and it's nice but can't relly justify £55 when I don't think i'd wear it much.
Have a look for my BH loan paperwork so I can ring them. Only 3 payments left so i'm gonna transfer money from my savings account (for moving) and pay it off early. Not gonna save me much in interest but I think I need the boost of having another debt gone at the moment. It will free up £150 a month so can put some back in savings and throw more money at Bcard.
College work (can't think about moving till this course (and maybe another) are finished as they will seriously up my job prospects).
List a few bits on Ebay.

Have a great MSE day everyone.

Yargo1

morning all, just on quickly as my tea break is about to end!

checked online banking and will have a nsd today. working job two tonight.

have a good day all x