Friday 19th August 2011 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.


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 :money:

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 :wave: TFI its Friday :j a few more hours and then FREEDOM! :beer: interviewing again today - please let the candidates be good!

Payday today

• checked banking & cc statement
• did VSP & updated sig
• will go through my budget for the month tonight
• take note of mileage & update expenses if I get time
• brekkie, lunch & dinner from stores
• go for a run after work - didn't have time yesterday
• look on comparrison website for flights to Brazil :T:eek::T
• take out of boot the tent I bought yesterday in sale at B&Q - £15 (and my half will come out of my £20 cashback from my cc ) so to reduce petrol costs
• QT with oh tonight :kisses2:

ok that's all I can think of. Happy Happy Friday everyone

Tebheag

Good morning everyone
Thanks for starting us of Dnm you where up early.

Today Do do a Vat
Check bank
Check surveys
Do some washing hopefully line dry
Take kids to the park
Lunch and dinner from stores see how many more days I can eat from stores !
Walk dog locally
Just take cash out to pay for my babysitter got a friends daughter coming to play with wee ones so i can work upstairs !

Hope you all have a good day today x

stitching_witch

Hello all, and thanks to DNMS for starting us off.

So far:

• checked banking
• checked for surveys
• made DH a packed lunch for work
• fed and watered the chickens and let them out for a bit of free-ranging

I will also:

• do payroll at work so we get paid this month
• take the rest of the day off sick to try and clear my fuzzy head
• get chicken food using my discount card
• turn left over bolognese into a lasagne for dinner, garlic bread out of freezer and last scraps of salad on the side
• make a sourdough starter
• possibly sew this afternoon if I can concentrate on it
• have a relaxing evening
• try to smile at least once today

Catch up soon, stitchy x

Candy0107

Morning Gang,
Thanks to Determined for starting the thread.
Brrr – it’s cold today..plenty of (free) coffee and (not so free) porridge for breakfast.
Hope everyone else is good – hugs to those that need them
Today I have/will:
• Remember to smile to myself a lot today
• Checked online banking – no change
• Have to buy cheap breakfast and lunch as couldn’t get motivated today
• Read freebie paper on the train
• Read newspapers online
• Need to charge up mobile at work
• Take vits and meds to control hormones
• Eat sensibly and update food diary
• Drink plenty of water
• Need to keep an eye out for MS jobs and surveys
• Dinner from stores
• Get a fast train home tonight (so the weekend starts sooner)
Think that is about all, have a great day and sparkle!
Candy xxx

Nottoobadyet

Good morning, all!

Ive been AWOL for ages, due at first to being ill, then traveling for work. I was up in the Karamoja region, where people live in practically prehistoric conditions and still do cattle raids so you have to plod around in flack jackets. Its fascinating but also quite depressing so glad to be back home for a bit.

DNMS Thanks for starting us off, sounds like you have a lovely day planned! Do you use Kayak for your tickets? I find it saves so much time!

Today in MSE:

- while waiting for bus in my Ugandan neighbor who I haven't seen for ages saw me an gave me a ride to work Bless!
- breakfast from stores
- lunch provided by work
- will buy ingredients to make dinner tonight at home
- check banking and update budget (wish it was payday, still another 12 days for me!!)
- help boy with a project he needs to finish before the weekend
- maybe go out dancing tonight, not sure yet but shouldn't cost more than a few quid

Thank goodness its friday!! Cant wait for a bit of down time this weekend.

josiebabie

Morning campers!
Good game of netball last night, lots of running around therefore I deserved flapjacks for breakfast!!! Lol
Here is me:-
- Checked bank - moved money to buy car tax
- 1 x purge opportunity today
- Catch up on figures at work
- Lunch/snacks from home
- Dinner from freezer
- 1x HC tonight
- Get DD back tonight! Wohoo!
- Maybe wii fit
- Try to keep busy! Shocking diary :-(

Jx

shezam

Good morning DFW's, its Friday

Today:
-Free water at work
-Check banking to see if New ISA reward account has been activated. 2.6%, yipeeee!
-Fiddle budget and deposit something to ISA even if only £5
-Read Newspapers online
-Have a LSD (need to buy birthday card & steak for fajita's for tea!)
-Get rid of big old TV to dump after work. (need OH to help with this as it is so heavy!
-Check comparison sites for contents insurance, got a quote yesterday for £13.26 a month including accidental damage, sounds alright to me but always worth checking!
-Smile & be hapy its Friday

Have a good sunny day everyone
Sx

madein1967

Morning people

For me today:
- [STRIKE]a LSD (only a few bits for the fridge)[/STRIKE]
- [STRIKE]check online banking[/STRIKE]
- [STRIKE]put kitchen blind back together, and back up [/STRIKE]
- advance reading for OU course
- a little bit of stitching
- [STRIKE]do any surveys that come my way[/STRIKE]
- [STRIKE]add £1 to the jar[/STRIKE]
- [STRIKE] ironing/putting clothes away[/STRIKE]
- [STRIKE]collect DS prescription[/STRIKE]
- dust & hoover/clean bathroom/general housework
- [STRIKE]update my 101 in 1001 list[/STRIKE]
- [STRIKE]meals from whatever I can find[/STRIKE]
- [STRIKE]check for freebies[/STRIKE]
- set up Payplan direct debit
- file some paperwork
- [STRIKE]add 2 more items to Ebay[/STRIKE] Well, I've added just the 1 item


I think that's all - have good day !

Amara

Hello!
I will:
-go to my three customers
-see my worker
-tidy upliving room
-iron
-finish dying my hair blond
See you soon!

cleggie

Going to the beach and instead of buying food out (which is always expensive) we are taking a picnic with us.

allydowd

Hi folks:

Go shopping with vouchers I found during the week.

Find cheap car insurance online and with Quidco.

Return library books so I don't get fined.

Order prescription while I'm passing the surgery.

Signed up to become a taster for tea and to get a green tea sample: http://www.clipper-teas.com/join-our-club

Anyone want a Free Pack of Whiskas Temptations? When you've signed up, they'll give you a free Whiskas Temptations voucher along with sending you lots of advice and info about being a cat owner. Free voucher available in UK only: http://www.whiskas.co.uk/my-whiskas-login

Do an Amortization Schedule to work out how long it'll take to pay off Credit Card 2, how much the interest will be and so on.

If any DFW can't do figures or work the online calculators and wants me to do one for them let me know. I'm good with figures. I need to know
*your credit card balance
*interest rate of your credit card and
*how much you intend to pay off each month. Please say whether you pay of a percentage and what percentage this is or a fixed amount.

#Please note that, although I work in finance, this is my own personal advice. I aim to make no errors in the calculations but you cannot sue me if I do!