Friday 12th August - what small DFW things will you be doing??!

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 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

Good morning lovelies :wave: yay to Friday's!!! :j last day at work for the week & a weekend of seeing friends & family, eating lovely food & of course drinkin the obligatory wine :j:j

So lets see what I can do to limit the damage! (oh & I am definately up for getting things done & making the working day speed by - who is with me today???

• checked banking
• did VSP & updated sig
• transferred student money into savings acc :T
• brekkie, lunch & dinner from stores
• work really hard
• nip to super market & get milk after work
• try to nick off work a little early :lipsrseal
• check through fridge/cupboard to make sure nothing perishes
• going out with friend afte work so think I will decant some G& slimline into a bottle to keep costs low
• use moisturizer I cut open yesterday - I think I've got another week in there!
• pin hair in some updo rather than washing it today

ok that's all I've got! Better get my booty into gear. Have a lovely day eveyrone x

no_choice_now

Morning folks :j

My mission for today:

• [STRIKE]Hang washing out from last nights E7 wash[/STRIKE]
• [STRIKE]Make a meal plan using my fantastic bounty from Mr T's last night :cool:[/STRIKE]
• [STRIKE]Make a start decluttering the spare room (should've started yesterday)[/STRIKE] Actually finished :j
• [STRIKE]Use Mr C's catalina for £1 off a £10 electric topup[/STRIKE]
• [STRIKE]Walk to the shop instead of drive this morning[/STRIKE]
• List 3 things on eBay Fail
• [STRIKE]Look for some more work today[/STRIKE] (got 2 hours this evening) :j
• Flylady level 1 in bedroom Fail

Best get a move on!
ttyl x


Update:
Can't believe I've actually done it. Totally decluttered the spare room, now it just needs a clean. Good luck and thanks to everyone else for giving me the motivation to just get on with this, so happy it's done :beer:

Pippilongstocking

Morning all

Well today we have that giant yellow thing in the sky sunny yay

Just over a week til the tiddlers return, um they are 15 and 16 and bigger than me - lol! Yay! My mood is lifting thank you for the comments yesterday, yup a long time for kids to be away, hard, but I guess they need to be with that family too, sucks though!

La E - very very very wierd not studying anymore, very very odd! I'm trying to keep my hand in at the local college and find a plan for what next - no regular income at the mo.........


Off to check bank
Paid work today (6hrs)
Check yoghurt later, I'm trying to make it from milk with a spoon of real yoghurt in it, seemingly that might work.................
Water plants
HM brekkie, lunch and tea I hope
Walk doggie later, maybe on beach
Check ebay
Tidy up a bit
Do a bit of HC as its sunny
Elderflower cordail to brew................

Off to scamp about the banks.........thanks for starting the thread dnm

Have a great day everyone will pop back later

ixia

Morning everyone
DNMS- thanks for starting us

Today's list:

• check banking/e-mails
• do an ironing
• brekkie lunch and dinner from stores
• NSD y'day- didn't buy bread and milk but will need to go and get it today
• walk down to bank- save fuel and I will post birthday card through my friend's door en route
• get music magpie stuff sorted for posting- been lying on dining table for days
• make a shopping list for next week- back to work after 6 weeks off :eek: need to get stuff for lunches
• Give DS and DD1 £5 each to get a weekly bus pass under 20's special offer last week of it though as schools go back next week

Have a good Friday everyone!!!!

shezam

Good morning all,

Feeling great today after being a bit ill on Wed. Managed 2 NSD's so far this weekend and only spent £6.77 of my weekly £40 budget. This is a triumph for me! Hoping I don't spend too much at the weekends as this is usually my downfall, don't have much plans so hopefully that means not spending much pennies!

Today:
-Woke up with a smile on my face!
-Checked both bank accounts, council tax arrears came off and all looks good.
-Have a productive day at work, after being off on Wed got a bit to catch up on.
-Not eat any crap from vending machines at work
-free tea, coffee & water at work
-Possible lunchtime walk, depends how lazy I am feeling
-Have a NSD! and if not a LSD No reason to go to shops today as we have everything thats needed in the house but might go have a wine at my friends tonight
-update budget.

Have a great day all xxxx

Amara

Hello!
I will:
-[STRIKE]go my three customers[/STRIKE]
-[STRIKE]go to bank to pay in some money[/STRIKE]
-[STRIKE]change cat's tray[/STRIKE]
-[STRIKE]call to my customer[/STRIKE]
-[STRIKE]give wages to my new worker[/STRIKE]
See you soon!

josiebabie

Morning all!
Woke up with a headache today...was reading the 'What is the one thing you won't scrimp on?' thread. For me it's definitely headache tablets - Neurofen Express for me!
Here is me today:-
- Checked banking
- Check if VO voucher can be claimed
- Breakfast from stores
- Charge phone off work PC
- Drove economically
- LSD just caster sugar and uhu
- Bake and try to construct barrel tonight and finish my little pirate man
- Try to sparkle, one of the techs said I looked like I've had a heavy night on the !!!!! Actually just played an hour and a half of hardcore netball
- Get DD back tonight, whoop whoop
- Make my swords from cocktail sticks and cards tonight

J x

cassidy0111

• Give DS and DD1 £5 each to get a weekly bus pass under 20's special offer last week of it though as schools go back next week

I am just getting organised for going back to school next week. I cant quite believe that the holidays have been and gone.

Heading to either Braehead or Silverburn for some new work clothes.

WelshWoofer

Morning!
As a teacher in England I still have 3 more weeks off thankfully!

The surveyor is coming today to value the house for the new mortgage - its got plenty of equity in it (bought it 10 years ago before the markets went bonkers) but it will be interesting to see what's worth now.

My friend has emailed to cancel a Jamie at Home party tonight - not disappointed as I didn't really want to spend anything and you always feell obliged at these things! It will also save me a kennel fee too as she lives quite a way away and I'd stay overnight so money saving all round :T.




Small things for today...

• Check banks and marvel at my wealth before the bank takes it all! DONE
• Hoover and dust downstairs DONE
• Walk dog lots DONE
• Do at least 2 hours school work
• All food from stores DONE
• Finish shopping list for tomorrow DONE
• Maybe watch free Lovefilm DVD - have The Kings Speech and the Lincoln Lawyer to get through - such a hardship!
• Try to sort out tax rebate of about £200 - that will go towards my living room redecoration fund (need about £1000 I think for carpet, wallpaper, paint, soft furnishings and labour)
• Look into reclaiming PPI on old loan (paid off now) for conservatory (would be lovely to get something back)
• Do one load of washing (cushion covers didn't get washed yesterday as it was waste to just put these on) Will do tonight
• Do nails - they're shocking after all the manual work lately:o:o Will do tonight as I'm not going out now
• Maybe pop to buy picture I've been deliberating over - last purchase for new look house for now - promise! DONE - Looks very nice of I say so myself!

Right the dog is wiggling by the front door so better get on!

ETA - Ex OH came round unannounced to collect his desk (good its gone though, more space) and left me fuming so have been a bit sidetracked - didn't lose my temper while he was here but have had a blo*dy good rant since! His attitude has totally justified my decision and proved me right!

ixia

Hi Cassidy- back to school for me too it's a thought. I will be fine when I get there
I'm going to go into Glasgow tomorrow for work stuff- however if this rain keeps up probably better going to braehead or silverburn.

happy shopping don't spent too much

nickynoo08

Morning, just about managed to get everything done yesterday. Need to change my tactics i think. I think i need to try and get everything on my list done by lunch because once 1pm hits i seem to loose all motivation to get anything done . Think some of it is down to my meds, they really seem to be taking there toll at the moment and i'm left feeling totally wiped out.

So just a mini list today

I have...

checked bank, paid my ususal o/p to loan and transfered change to my diy funds acc
done my free spins
checked emails
checked for surveys

To do....

make beds
put yesterdays laundry away
load dw
hoover