Tuesday 9th 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: been up since 6.30 on my day off :eek: ds was up & watching telly so that was my lay in out of the window! Anyway what is it they say about the early bird??? hmmmmm we'll see!

Managed to do not a lot of my list yestrday as oh took an unexpected day off.....

Today:

• [STRIKE]checked banking CB has gone in[/STRIKE]
• breakfast lunch & dinner from the stores
• post the bl00dy magpie parcel!!! no excuses doing it before I do anything else!
• check tyres, water & oil in car
• maybe clean the car???
  
• phone new energy supplier re transfer & new address
• check onepoll
• write & post letters re ppi's & cc late payment charges (where's a kerching smilie?? )
• continue sorting out understairs cupboard
• make banana bread & some millie's cookies mmmmmmmm
• go for a run this evening - think I will go to the woods to kick start myself, nothing like running in nice surroundings

I have spent the whole morning going through my clothes, trying things on, working out what goes with what, getting rid of things that don't suit me/have had it, sorting out a load of items that need a little attention to make them part of my lovely collection and finally wrote a list of what items I need/would like to finish off my wardrobe. Very satisfying! I can honestly say that everything I own goes with at least 5 things, suits me & is wearable! :T very satisfying!

finish a couple of things on my 101 list

ok peeps have fun out there :A

josiebabie

Morning determined!
I am outside DD's nursery posting as we're early :-)
Listypops:-
- Checked banking, last DD has come out
- See if I can claim VO voucher
- Work hard, sell lots!
- Sell a purge
- All food from stores
- Refine Mr T's list
- DM picking DD up from nursery so I can go straight to T's
- Sparkle, no texting!
That's it for me, not a lot!!!
J x

stitching_witch

Good morning everyone, and thanks to DNMS for getting us going this morning. I'm suffering from 'slow-start' this morning. Can't seem to get motivated for an *exciting* day at the office, especially after seeing that amazing premises yesterday. I must remember I've got to walk before I can fly on my broomstick


So far:

• ran DW overnight on Economy 7
• fed and watered the chickens and boxed some eggs for a customer
• made packed lunch from stores
• ordered loads of books from Amazon using Nectar vouchers and Opinion Poll voucher :T
• checked banking
• checked for surveys

I will also:

• read at lunchtime to avoid going out
• pick blackberries from work's garden (they'll only go to waste if I don't)
• get paid for eggs
• stay overnight at DD's house and drink all her tea

Not a very inspired list and I'm sure there's loads of other stuff I'll do. First up though is to get dressed.........

shezam

Good morning all,

Its lovely warm & sunny up here in Scotland, not sure if it will last though the clouds are setting in!

Today:

-Checked banking (everything as it should be, DD's out tomorrow)
-Update signature
-Have a NSD!
-Have a productive day at work
-Go for 30 min walk at lunchtime
-Smile -Possibly go back to Step Class tonight, last night was so hard cos I haven't been for weeks but I know the more I go the easier it will get. Will decide after work.

Not very exciting, have a good day everyone!
Sx

Tebheag

Good Morning all
Hope you are all safe.
Thanks for startting us of DNM
To day already done
Washing online drying done on very low spin.
Checked bank
Made snacks for toddler group taking cucumber from garden and made sausage rolls having party today as someone is leaving.
Checked surveys
Tidy garden think thats about it as got to try and rest my foot still limping around and had very little sleep last night as wee ones where up!
Hope you all have a good day
Thank you DNM for the receipies will give it a go I never knew you could freeze tomatoes whole think i may have to invest in a chest freezer next year !

WelshWoofer

Morning all!
Just been watching the news - its shocking isn't it? How do people justify doing that? Amazing.

Anyway, the team of 4 decorators arrived at 8am and are hard at it! I keep telling myself it'll be nice when its done - hopefully by the end of the day - no more mess!! Hurrah!


Today I have already (due to having to get up early so I was decent by the time they arrived)...

• Taken the dog for a good run to the park to tire him out so he doesn't get in the way
• Phoned the kennels to cancel today as its a nice day and he can spend most of it in the garden saving £12 (although he's fast asleep on my lap at the moment!)
• Phoned the surveyor to make an appointment for Friday so the mortgage application will plod along
• Checked the bank and moved £100 from savings to keep me out of overdraft before I get paid

And I will...

• Walk dog again to keep him tired (cruel mummy!)
• Phone mum later with free landline
• Do some school work as I can't do much else in the house with all of the men here (sounds awful doesn't it!)
• All food from stores (except maybe some lunch if I can't get into the kitchen)
• Put everything back to normal when they've finished
• Try taking the spare flooring back again - hopefully the manager will be in today:mad:
• Start a meal plan and shopping list for next week (trying to keep it under £25)

That's it for now - can't wait for my house back!

ixia

Morning everyone

DNMS- thanks for starting us

Tody I will:

• put washing out to line dry
• check banking/emails
• take clothes to recycle plant
• brekkie/lunch and dinner from stores
• go to shops for couple of bits
• go to bank- get money i moved across from savings account didn't want to touch it but need it for DS
• visit mil/sister- free tea and biccies

not much else will update later if I manage to do anything else. Have a good day

HollowTree

Morning everyone!

Can I join this thread?

Only a few things for me while I get into the swing of things:

> Check bank account - done. All as it should be.
> Mark ebay item as dispatched and include tracking number.
> Make appointment at the opticians for free (work funded) eye test.
> all meals from stores.
> dinner with parents this evening.
> Check if mum can watch DD on Saturday while I see new client (DH away).
> Check if latest cash back has been tracked to my account.
> Complete an essay for CPD.

The last one may or may not happen. I really need a kick up the backside for that one...

OrangeFairy

Morning all

Welcome HollowTree

Havent been on for a couple of days as i have been deeply engrossed in the last Harry Potter book!!

And i've finished it!!!!!!!!! Another thing crossed off my list!!! Bit sad though - now the adventure has ended

Today

At Mums looking after my siblings
Lunch here at Mums
Kids playing with Siblings - free entertainment
Check banking
Dinner from stores
Make picnic for tomorrow
NSD
OH to do shopping after work - cereal and milk
Update grocery spends
Update 101 list

Oh and i just got my results back and i have passed my business and personal tax exams!!!!! I am soooo pleased - that is all of them done!!! Just need to write and hand in a project on fraud in the workplace and i have finished my AAT Qualification!!

HollowTree

Congratulations Orange Fairy! :j

I am CCAB qual and the feeling of being exam-free is fabulous. Such hard work but I am sure I don't need to tell you how worth it it is.

Wannabe01

Good morning everyone Its a sunny day here today although it is a bit cold in the wind.
DNMS – Thanks for starting us off this morning.



My list for today:

• Catch up with emails DONE
• Type up the report for client
• Complete surveys that are in my inbox DONE
• Check one poll DONE
• Do ironing pile Got some of it done.
• Complete daily clicks DONE
• Look into available work
• Update ebay account and list another couple of items
• Rip down woollen jumper – going to use the wool to make toys DONE
• Quick shower DONE
• Bath dd DONE
• All meals from stores DONE
• Wrap pressie for ds DONE
• Catch up with mates online

I think that is everything that I need to get done today.