Thursday 4th August 2011 What small DFW things will you do today????

Candy0107

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. :money:

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.


Morning Gang

I hope you don’t mind me starting the thread today – running late so eating breakfast then will walk to the station

Hello to all

Stitchy – the pork chop meal idea sounded lovely

Today I have/will do:
• Meals from stores
• NSD
• Put change in coke bottle
• Read newspapers online
• Watched a couple of things on the sky box
• Checked online banking – a couple of DD’s have gone out, so moved pennies to VSP
• Take a bottle of water on the train with me today (cheaper than buying water from the stataion)
• Charge phone up at work
• Find the cable to charge up my MP3 player at work (from the PC)
• Read freebie paper on the train
• Use railpass to get to work
• Do online comps
• Done a couple of surveys
• Drink plenty of water
• Take meds to sort out hormones
• Put washing on at 30 degrees
• Need to catch up with the thread from yesterday as it was stupidly busy at work yesterday
• Off to WW after work, will post my result on here


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

Have a fabby one!
Candy xxx

kjp

Morning all!

Candy, thank you for starting the thread! Hope your day at work is a little less manic!

La Escocesa, thanks for the VSP explanation, sounds like a great idea, might have to try that one! I have an actual sealed pot which does work, so why have I never thought of a virtual one!

Today I will:
Check banking
Check Ebay
Check TopCashBack
Take lunch to work - lemon and basil cous cous, yum!
Work hard - try to get 5 'little' things off my to do list and work on 1 big thing
20 mins cross trainer after work - have a wedding next year and I'm determined to get rid of the arm and tummy flab!
Need to buy petrol, will get minimal amount from petrol station on way to work then will go to Sainsburys after work - 1p cheaper and Nectar points
Drive carefully to work - tiny sips, little car!
NSD otherwise - don't go into Sainsburys!
Final 500 words of essay and try to submit - deadline tomorrow
Drink 2lts water
Smile lots for free boost!

Have a great day everyone!
Kx

allydowd

Hi peeps,

I'm staying out of the shops today by going mountaineering! Sorted.

josiebabie

Morning all!
Bucketing it down here, sooo glad I trusted the weather man and didnt water my lawn last night!!!
This is me today:-
- Breakfast from stores
- Checked banking
- Started on budget for Aug wages
- Barclaycard bill is in
- Netball tonight, text friend to bring me a water bottle as I left mine at home
- Mr T's with top up list after work
- Try to work hard, diary looks dire again
- One opportunity for purge sale
- Brought salad in from home for lunch
- Sparkle

Jx

La_escocesa

Hi everyone :wave:

I should really be getting ready for work - did get up an hour and a half ago and still in my jammies! The first week back after some time off is always the worst, right?!!

Here's me:

• Free cuppa x 2 in work
• Take packed lunch
• Was extra cautious doing big shop last night
• Remind OH about the money he owes me...
• Buy toothbrush heads on amazon - signed up for 'subscribe and save' - you tell them you want new toothbrush heads every e.g. 3 months/6 months and you get them for a discounted rate cos they're dispatched automatically
• Ordered mum a new bin lid under guarantee - she was just going to buy one - saved her about £40. :T
• Yoga tonight - take water and walk there/back
• Bag to CS

stitching_witch

Good morning everyone out there in DFWland. I'm glad of the rain too as I should have watered the allotment but was far too tired to walk down there last night.


So far today:

• filling porridge for breakfast
• fed and watered the chickens
• looked in local paper for jobs. It's so dire here they didn't even put in a 'Vacancies' section :eek:
• checked for surveys - screened out again
• checked banking - CC transfer has now gone through :j
• updated Micr0s0ft M0ney with transfer
• found snacks to take to work

I will also:

• keep an eye on surveys throughout the day
• just buy some rolls and fruit for lunch (got marg and tuna at work) and some vinegar to make chutney
• knit at lunchtime
• dinner from stores - an allotment marrow stuffed with leftover chilli
• make beetroot chutney this evening
• try to get into the sewing room tonight to make patterns for next three customers

I'm pleased with the balance transfer as that will save me a lot of interest and it means I can get rid of Ll*yds accounts totally within the next two months But it's not as good a result as WW had yesterday with her mortgage :T

Catch up later, stitchy x

Tebheag

Good morning all
I have lots of catching up to do as had relatives down for the week and was so busy cleaning up after them giving them lifts around never got much time to myself.
Check bank see how bad finances are had to pay £300 for my car had to pay from bank as have lost cc also spent extra £100 plus with extra petrol foos for relatives! All at the cost of some marag (white pudding that they brought with them) wish i could have such a cheap holiday.
Check surveys
Tidy up office and remove all of DHs diy stuff
Check list where I am on work
Go to bank to pay cheque in for work I have done.
Dinner from stores
Hang washing up in carport and hope it drys as it is wet here yippee dont have to water garden tonight.
Think thats it going to be a long day got to tired toddlers who did not sleep well last night and got to think what to do with them!
Hope you all have a good day

Aria`s_Tail

Morning Everyone,
I got called into work last night (my 2nd job as 24h bank care) for an overnight stay so i'm still here till 10am. I don't mind as my client generally sleeps through from 10pm till 7pm and then doesn`t get up till 9am so I get paid for being in bed!
So far this morning I have done a unit of college work.
I will:
Check for surveys.
All meals from stores (loads of food in the house, need to run down cupboards and freezers a bit).
Check throughout the day for surveys.
Walk pooches (hopefully it will stop bucketing down!)
Get listing on Ebay! (at least 5 items today, need to get back in the habit of a couple of bits a day).
Tidy up, house looks like a bomb has hit.
More college work.

I paid off my loan yesterday (borrowed some money from my house moving savings). Only 3 month early and only saved about £8 in interest but it is nice it's gone after 5 years. So that's me £150 a month more cash and now down to 2 CC. Next mission is my Barclay card, currently at £7500. :eek: The other one is 0% till April so can be ignored for now. I can throw anther £150 a month at it and anything I make off Ebay and 2nd job will be split between house fund savings and Bcard so need to get listing. also it will help declutter so less to move with!.

Hope everyone has a good day.

WelshWoofer

Morning all!
Its raining here too so indoors stuff for me today.....

So the list...

• Check the bank situation DONE
• Finish the budgets for August (strange month with the mortgage kerfuffle) and Sept (hopefully my first proper debt free month!) DONE
• Phone carpet shop to make sure they're fitting the carpet and floor on Saturday before I rip the originals up DONE
• Try glossing toilet skirting boards - miserable horrible job! Have ignored this so far!
• Put together the new desk chair (last DIY job thankfully) Next job to do
• Try to find some cardboard boxes for books to give to mum and sister DONE
• Fiddle with meal plan and shopping list for the weekend DONE
• Walk the dog lots DONE
• All food from stores DONE
• Hoover and dust DONE
• Clean bathrooms DONE
• Sort out pile of paperwork into a folder to finally put it all away DONE

That's all for now! Hope everyone has a good day....

Nottoobadyet

Thanks for starting us off, candy!!
Ally, Im jealous! where are you headed?
I went to a Bon Jovi concert in London last year, Perni, but sadly most stadium acts dont make it to Kampala! I do see lots of smallish bands though so thats nice, I would love to see Iron Maiden one day!
OMG, WW!!!!!!! What an amazing result, and what a huge weight off your shoulders! You're free, I hope you enjoy it to the fullest

So the motorbike lesson was very MSE - I was so bad at it that the instructor only wanted to charge me about £1 since it was clear I would need lots more lessons :P Anyway boy got back last night a day early so was nice to spend time with him. We didnt go anywhere and made dinner at home so it was a very MSE evening.

Anywho, today:
- walked to work
- lunch provided by work
- coordinate with roommates to attempt another falafel night - om nom nom!
- buy ingredients for falafel night
- cook with boy and hopefully have guests over for cheap socializing
- check banking, CC (had to use it to book a flight this month) and update budget

Hope everyone has a good day! Nearly the weekend...

ixia

Morning everyone

Just up had a long lie today

Candy- thanks for stating us
WW- Brilliant news about the mortgage- well done enjoy being debt free :T
Today I will:

• Make lunch and dinner from stores- meal plan changing again going to make a bolognaise bake now got packs of mincr for 5p in Mr A's last night. I've never got anything like that so was well chuffed and I have mozzarella that needs using up.
• check banking/emails/surveys
• check quidco
• general tidy
• look at payg phones need a new one and contract doesn't ent until Nov- might double up my clubcard vouchers

DD2 gets exam results today so waiting nervously for the postman.

Have a good day everyone.