Monday 8th August 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. :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 :wave: Here we are again back at Monday! The weekends go even faster when you're working! Working a half day at home, so will have the afternoon to myself:dance: and also save 40miles of petrol & an hour to boot

Today:

• work hard & be productive
• hang up washing - looking a bit miserable here today - hopefully it'll brighten up!
• post the magpie parcel - if I do nothing else today...!
• send letter to Virgin & morgan & stanley re ppi
• send letter to Halifax re charges
• flylady - should be minimal as we had a crazy half hour yesterday
• breakfast lunch & dinner from the stores - checking what needs using up in the fridge first
• go to the gym & for a swim afterwards
• quick shower
• find out what's going on with our energy switch & also if when we move can we take fixed deal with us?
• sort out understairs cupboard :eek:

Ok that's enough if I put too much I just get disheartened - I'm not as hardcore as some of you!

I made this for tea last night (first post) & its delish would definitely recommend

http://forums.moneysavingexpert.com/showthread.html?t=336033

enjoy! x

kjp

Morning all!

Thank you DNMS for starting the thread, I've bookmarked that recipe, sounds yummy!

Today I will:

• Check banking
• Transfer Paypal spends across to savings
• Work out budget for the week
• Update NSD and Weekly Spend challenge from last week
• Lunch from freezer at work so we can defrost it at the end of the week
• Check TCB - I hate waiting for cashback!
• Update spends spreadsheet
• Some OU
• Transfer money from my 'car' account to my credit card to pay for repairs
• Try and change my massage appointment this week (doesn't sound very DFW but using a gift voucher!)
• NSD hopefully!

Have a great day all, the sun is shining so I'm going all out in sandals and a summer dress for work - will be raining by 8.30 I betcha!

Kx

stitching_witch

Good morning everyone, and thanks to DNMS for starting the thread today. Yay, it's Monday (insert sarcastic smilie here...)

Been up for hours and managed to get a few quiet DFW things done before DH got up:

• ran WM overnight on Economy 7
• HM granola is cooking in the slowcooker as I type!
• boiled spiced vinegar ready for chutney making tonight
• ran vacuum cleaner round once DH got up
• checked banking
• checked business banking - another transfer gone in :j
• checked for surveys
• claimed Amaz*n vouchers from my N£ctar card
• made lunch to take to work
• fed and watered the chickens
• boxed 2x half dozen eggs to sell

I will also:

• get something out of freezer for dinner - bolognese I think
• have a bit of a Flylady half hour before work (got a customer coming over on Wednesday and I want it to look clean and tidy!)
• knit at lunchtime to avoid the shops
• make chutney after work
• carry on with corset pattern making tonight
• have an NSD

That'll do for today. Have a good day folks!
stitchy x

determined_new_ms

stitchy what is this amazon vouchers from nectar points? Can you explain how it works? I usually save them up throughout the year & use them against my xmas shopping - am I being unwise????

stitching_witch

determined_new_ms wrote: »

stitchy what is this amazon vouchers from nectar points? Can you explain how it works? I usually save them up throughout the year & use them against my xmas shopping - am I being unwise????

If you go onto the Nectar website and click on the 'spend points' tab, you can chose where to convert your points into vouchers. There's a large selection to chose from. 500 points converts to £2.50 unless it's a double value offer, and is the same for Sain$bury's as it is for Amazon. I hardly ever shop in Sain$bury's but I have a few books on my wish list on Amazon, and I'm in need of a mini treat to keep me sane so thought it was a good use of the points
It was either that or my next post would be from a prison cell.....:rotfl:

Aria`s_Tail

Morning Everyone,
Thanks DNMS for starting us off
I picked up a an overnight shift last night at my bank job so am here till 10. I finished my home care job at 21.30 last night then was here for 22.00 so loads to do when I get home as day off today:
Give the dogs their breakfast and have snuggles, Top of my list as most important.
Washing machine on, will dry on airer as piddling down.
List at least another 6 things on Ebay as I didn't get anything listed at the weekend.
College work.
Visit 2 of my clients in hospital, will park nearby and walk in to save paying for parking.
Visit Mum and dig out some camping stuff from the shed for the weekend.

Have a great Monday everyone.

ixia

Morning everyone

DNMS- thanks for starting us off

Today I have:

• checked emails/quidco
• getting quotes for car insurance- due next month- was hoping to get somethin with quidco cashback but my current insurer seems to be coming out cheapest.
• washing out to line dry

Still to do:

• check banking
• another load of washing- line dry
• sort some old games cds etc and parcel up to send to music magpie
• find some clothes for recycle bag
• get together some items for next free listing day on ebay
• back to work next week- iron all work clothes and be organised for that.
• maybe take DD2 to shops to get rest of her school uniform

Have a good day everyone.

josiebabie

Morning all!
Seemingly uneventless weekend for me, ready to go this weekend!
- Checked banking
- See if I can claim VO vouchers
- Post ebay sales after work
- Training today, not a lot of work in so better do something!
- Go through WIP for uninvoiced labour
- Lunch from home
- Dinner from stores
- Wii fit tonight - did well yesterday :-)
- Sparkle

J x

Nottoobadyet

Good morning, all!

Wot, Monday again? how did that happen?

Had a lovely weekend here - went dancing into the wee hours on Friday (have I mentioned to you all that new boy is an amazing dancer? The sort people clear the floor to watch! too bad I have two left feet ), went hiking with roommie #2 on Saturday and saw some lovely monkeys and had a lazy day on Sunday watching films and doing some work. Now back to the slog I guess.

Today I:

• breakfast at home with girl who is here visiting from Kigali - MSE as I will be able to stay with her whenever I get down to visit
• took minibus into work - about 11p! Beat that, TFL...
• caught up with boss as he's been gone for the last two weeks
• lunch provided by work
• go to barclays to find out about opening account if I have time today
• going to free jam session at the national theater with boy tonight
• cheap as chips dinner at hari krishna restaurant
• catch up with friend in SA by skype tonight

determined_new_ms

Nottoobadyet wrote: »

Good morning, all!

Wot, Monday again? how did that happen?

d'u know what I'm talking about sista!?!!!!

Nottoobadyet

determined_new_ms wrote: »

d'u know what I'm talking about sista!?!!!!

Hehe, hit the post button too fast! Shouldnt be allowed on the interwebs before tea #3, apparently...