Thursday 11 August - what small DFW things will you be doing??!

La_escocesa

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 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. :T :j

Hello small thingers :hello:

I am up for it again today! Who's with me?!! :rotfl: Counldn't resist a bit of DNMS-esque banter to start us off

Here's DFW life avec moi:

• Brekkie at home - no croissants/breakfast rolls for me!
• Walking in the rain - grumble grumble
• Leftovers for lunch - mmmmm
• Yoga tonight - if I'm not working late
• Call a few peeps from included mob mins, not 'spensive landline
• Pennies in the pot

Will probs think of more... Hope I can get back on at lunch to catch up with all the maddness on this 'ere thread.

Love y'all xxxx

ixia

Morning everyone

La E- thanks for starting us off


Today I will:

• check banking/surveys/e-mail
• put £18 in jar- got from recycling
• brekkie, lunch and dinner from stores
• call EA- house not 4 me 4th bedroom too small
• general tidy
• update grocery challenge
• move money to pay rest of deposit for NY

That's about it for today

Have a good day everyone!!!

Tebheag

Good Morning all
Thanks for starting us of La E
Sorry to hear house not for you Ixia
Today
Try and get a load of washing done and line dried not sure as looks wet this morning
really need to get work done tonight
Do painting etc with kids at home perhaps park if gets nicer
stay away from shops tired and fed up normally time i go spending
Do list for DH need bit and peices picked up from shop he is going as got tesco voucher and he drives past it.
Hope you all have a good day x

josiebabie

Hi all!
Miserable rainy day today so couldn't get HC on line :-(
- Checked banking
- Lunch from home
- LSD - need cocoa powder, marg and cocktail swords
- Surveys
- Sell a purge
- Diary quiet, make the most of what I've got!
- Boss away so nice and relaxed
- Netball tonight, need to text friend about water as I forgot mine again!
- Post last ebay sale on way to netball (package up at work)
- Speak to local nightclub owner (whose car I have in today) ref VIP for my birthday night out, normally sorts me a bottle of champers too!
- Plums given to me by colleague shared with DM/frozen
- Sparkle! Really didn't want to get up this morning so finding tbis difficult!!!

Jx

josiebabie

PS- I qm trying to be with u La E!!! Lol

determined_new_ms

morning guys :wave: La E I'I'm with you, I'm in & up for it & I predict that today is going to be a corker!!! _party_:dance:

with that in mind I will:

• work super hard & efficiently & get loads of things ticked off my list
• brekkie, lunch & dinner from the stores
• NSD - I will I will I will!
• sew on buttons on clothes needing repair/minor repairs
• hang up washing
• check banking & savings
• dig out card for my firned (didn't do last night )
• either go for a run after work but if weather prevents then go to the gym & possibly a swim as well!

I must say I am soooooooooo happy I spent Monday sorting out my wardrobe, my capsule wardrobe is really working for me & is making life vey easy in the mornings Ok better get on catch up later tonight. Lots of love to you all x

PurpleFairy26

Morning All - I've been absent without leave for a while, but am working from home today for the first time AGES so have an opportunity to post:j Have already done nearly 2 hours work and am due on a work night out later - may need a sneaky afternoon nap :eek:

Anyway list for today:
Move money around - big OP to CC as tax refund has finally arrived :j
Update banking/budget spreadsheet
Pop to town with list to get leaving present for work do tonight (have got collection money)
Lots of washing on drying on airer as not done any this week yet
Do all my work, so I can get sorted for tonight in time
Roast some plums that my mum gave me so I can freeze them
Plan some more of big clutter clearout we are having - I feel so refreshed - I know that sounds corny but we have done loads over the last few weeks and it feels like we are re-claiming our own house Much easier to keep tidy too

Think that's all for me folks - have a good day everone

shezam

Good morning,

Yesterday was a horrible day, woke up feeling like crap, tried to stick it out at work but got sent home in the first hour. Spent all day curled up in bed/sofa and generally just fell in and out of sleep. Feeling alot better today though, ready and raring to go!

Today:
-Catch up on work missed yesterday, desk is full!
-LSD (already spent £1 on bus fare and need to get in shop food for shopping tonight)
-Make use of free drinks at work
-Not eat crap from the choccy machine!
-Check banking & update budget
-Pssibly hit Step Aerobics tonight, didn't do my Zumba last night as I was ill!

Have a good day all x

starnac

morning all

not much for me today as I am quite tired. Had a late night with DD last night who would not settle til she saw daddy (DH on late shift) then had to get up early this morning to take DH to work as I need the car.

so list for me today

[STRIKE]check banks[/STRIKE] nothing new
[STRIKE]update spreadsheet[/STRIKE]
[STRIKE]washing on airer [/STRIKE]tempting to put heating on to dry it but i won't
[STRIKE]dentist for me and DD later[/STRIKE] all good luckily
work at 3pm
NVQ work must get this finished by monday
[STRIKE]surveys[/STRIKE]
[STRIKE]declutter purse and handbag[/STRIKE] my handbag is now so light
NSD not quite
photocopying I didn't do yesterday half done

that'll do for today I think.

Happy thursday everyone

WelshWoofer

Morning all - just checked the bank and there's an extra £20,000 in there! Fortunately, its not a mistake - it my mortgage repayment ISA that I've cashed in to pay off the loan and put the rest towards a straightforward repayment mortage that's going through now.

So, I'm off to the bank in a bit (when I've had a shower!) to pay off the approx £12,000 loan and give the remaining £8000 to the mortgage people before I spend it!
That means that I'm effectively debt free:j:j
I do have approx £900 on the CC but am getting a £3500 bonus next payday that will pay this off before the statement comes.

So that's a BIG WHOPPING DFW THING for today, here's the little things....

• Pop to bank to triumphantly pay off the loan:T
• Walk dog lots
• All food from stores
• Do at least 4 hours school work
• Put kickboards back in the kitchen
• Buy and post birthday card for ex-OH
• Transfer decorators money from savings to cover cheque I gave him
• Phone mum from free landline
• Try putting old blind back up
• Phone blind company to see when new wooden blind for office room is being fitted
• Put dry washing away
• Wash cushion covers

That's it for now! Off to temporarily revel in my new found riches (all of which I owe the bank!):rotfl:

starnac

congratulations welshwoofer. must feel really good. maybe print off your bank statement showing your account with £20,000 in it as a reminder for the future