Wednesday 24th 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 gang! :hello: Wednesday yay!!! :dance::dance::dance: we're almost through the worst of it guys! Roll on the 3 day weekend _party_ :rotfl:

so where am I today?

• brekkie, lunch & dinner from stores
• read martin's email - think I'm gonna go and investigate some of the cheap perfumes next time I'm in town
• check banking
• take note of mileage
• go to cinema with oh tonight - orange wednesday of course! Nip into town & get snacks before film
• other than cinema & snacks not spend any money
• wii fit this evening

lame as it is its all I can think of/have time to do! Happy Wednesday y'all

Tebheag

Good Morning All
Thanks DNM for starting us off.

Checked bank account all ok still in credit
Checked surveys none to be done
Breakfast lunch etc using up stores as got eggs to be used and pancakes so may have that with some bacon and dinner no meat day!
Get kids ready for nursery then start working
Nice day no spending at all if I can help it got DH doing ironing and some DIY.
Whata lovely day it is to day hope you have nice weather where ever you are
Hope you all have a good day x

stitching_witch

Good morning all you DFWers out there, and thanks to DNMS for starting us off today. I can't believe it's Wednesday already!!!

So far:

• started WM on Economy 7
• made DH a packed lunch
• checked banking - ooops, salary has gone in a week early. Sounds good, but it means I have to make it last a week longer now!
• checked for surveys
• fed and watered the chickens
• breakfast from stores - natural yogurt and HM plum compote

I will also:

• hang washing on airer
• loads of housework to stop me spending money
• do one alteration order and make two more corset mock-ups
• crack on with DGS's Christmas present
• research door curtain poles as I gave the last one to DD
• lunch and dinner from stores
• have an NSD

That doesn't seem very much today, but I'm sure I can spin it out til 6.00 when DH gets home!

Pernicious

Morning all,

Getting my post in bright & early for once! Will read your posts later as I fear if I read & reply now, I will be late for work, eek!

So today's plan:-

• [STRIKE]Use freebie deodorant that I have been paid to trial[/STRIKE]
• [STRIKE]Use freebie moisturiser[/STRIKE]
• [STRIKE]Food from stores[/STRIKE]
• [STRIKE]Make use of free water/milk at work[/STRIKE]
• Lend a friend my thermos flask, lets her be MSE :money: & hopefully what goes around comes around?! - Didn't need to in the end!
• [STRIKE]Dinner from meal plan[/STRIKE]
• Check online banking
• [STRIKE]Check for surveys[/STRIKE]
• Enter comps
• [STRIKE]Check ebay[/STRIKE]
• [STRIKE]Charge phone at work[/STRIKE]
• Work on wedding related tasks
• [STRIKE]Check out flylady thread & tackle at least level 1[/STRIKE]
• [STRIKE]Take refillable water bottle to tkd later & try really hard since grading soon[/STRIKE]
• [STRIKE]Text my polenastics instructor to see if we can use the groupon deal again...if anyone wants a referral let me know! They are based around Milton Keynes[/STRIKE] - We can! Result!
• [STRIKE]Read Martin's email[/STRIKE]
• [STRIKE]See if the No7 vouchers are out on my lunchbreak, & look for a new handbag since it is payday on Friday, go back to work afterwards so as not to spend any more money![/STRIKE] Also printed out a 200 extra points voucher from the machine instore, yay

Have a great, moneysaving day everyone x

Candy0107

Morning Gang,
Thanks to Determined for starting the thread – love the abundance of smileys in your post!.
Hope everyone else is good – hugs to those that need them
Today I have/will:
• Checked online banking – no change
• Will be starting work in a mo as there is loads to do
• Dinner from storecupboard
• Ran out of time this morning to make lunch and breakfast so had to borrow money until Friday (payday) – will eat in the restaurant downstairs (subsidised = cheapish)
• Read freebie paper on the train
• Used railpass to get to work
• Read newspapers online
• Need to charge up mobile at work
• Charge MP3 player via USB
• 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
• Catch up on yesterday’s thread
• Have a chilling evening in with hubby and an early night – was awake at 3am, went back to sleep and had an odd/disturbing dream about the family

Think that is about all, have a great day and sparkle!
Candy xxx

determined_new_ms

Candy0107 wrote: »

Morning Gang,
Thanks to Determined for starting the thread – love the abundance of smileys in your post!.
Hope everyone else is good – hugs to those that need them
Today I have/will:
• Checked online banking – no change
• Will be starting work in a mo as there is loads to do
• Dinner from storecupboard
• Ran out of time this morning to make lunch and breakfast so had to borrow money until Friday (payday) – will eat in the restaurant downstairs (subsidised = cheapish)
• Read freebie paper on the train
• Used railpass to get to work
• Read newspapers online
• Need to charge up mobile at work
• Charge MP3 player via USB
• 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
• Catch up on yesterday’s thread
• Have a chilling evening in with hubby and an early night – was awake at 3am, went back to sleep and had an odd/disturbing dream about the family

Think that is about all, have a great day and sparkle!
Candy xxx

Hi candy just thinking as I was reading your post that maybe eating in the canteen is scuppering your WW? I know since I've been doing it I've been making my own to ensure I stay in my points? hths x

Candy0107

Hi Determined - Because I am allowed a gazillion points per day, I am able to make sensible points choices. This morning I ate porridge with a tsp of jam - I am guessing 8 points in total.......despite craving a bacon sandwich! (In truth, I can have 52 points per day so not quite the gazillion!) :-)

Candy xxx

shezam

Good morning all:

Feel a bit meh today, not sure what it is hopefully I perk up soon!

Today:
-Checked banking, quite happy still in credit and 1 week today untill payday (not very often this happens!)
-Update sig
-Hopefully a NSD
-Free water/tea/coffee at work
-Read newspapers online
-Charge mobile at work
-Have a de-clutter when I finish work tonight.
-Smile and be happy and do lots of work today

Sxxx

WelshWoofer

Morning all!
Another lovely day here - I picked up a little free map yesterday in the library with local "urban" walks all less than an hour. So I'm off in a minute to try one out with the dog while the weather is good.:T Will report how it goes later.

I decided last night that I have to be more proactive with getting out and being sociable now exOH is gone - can't turn into a hermit and it would be very easy to do so - so I've texted a work friend that asked me to meet up, have decided to rejoin fat club and texted the lady so I can't back out and am looking at exercise classes to join on a weekend.:rotfl:




The list for today...

• Weighed this morning and have lost 1lb of the podge put on during the recent drama:j
• Walk dog lots starting with the new one armed with a free map done, enjoyed it
• Write 5 GCSE biology lessons - I'll be the most organised ever this term;) internet went down so went to cinema instead with free ticket
• All food from stores - morrocan butterbeans and couscous for tea tonight done
• Look into more sociable activities - maybe volunteering in the animal shelter done, applied online
• Have a LSD done
• Empty the hoover (the worst job!) nope
• Start a mini shopping list for the weekend done

That's all I can think of for now - right better get the trainers on!:eek:

Rock_Cakes

Morning all

Thanks to DNMS for starting us off.

Well I had quite a productive day yesterday and have found a flat for me and DH to move it to. It was the first one I saw, quite impulsive for me. Looking forward to being together again, just the two of us.

Today I will:

• Check bank balances
• Check surveys
• Start comparing services for flat
• Start new budget for living in new flat
• Work out cheapest way to get to new job

Have a good day everyone.
xx

pixiechick99

Morning lovely people:j
Goodness me, I'm getting uses to waking up at 9ish...but next thursday I have to work...eek:eek: How will I get up in time:rotfl::rotfl:
So, it's a lovely day here, Majorca feels a very long way away though:o
I'm taking girls to town today, youngest going to cinema with a friend as it's Orange wednesday and dd1 having a haircut. I'll be glad to get back to school to stop spending money;)

Ok, list time:

• check banking
• get returns packed up for Next
• return unwanted school trousers to newlook
• return sale sandals bought to tesco for small refund
• meal from plan tonight - jacket pots and chicken
• spag bol sauce defrosting from freezer for dd1's dinner
• ring BT and moan that they put my direct debit up even tho I paid off the outstanding balance:mad:
• buy dd2 sweets in supermarket to take to cinema
• get dd1 to wash hair before hairdresser to have a cheaper dry cut:D
• washing on and on the line
• buy dd1 a treat in Starbucks...but none for me
• Be sparkly....still a week of holidays left:T

DNMS - thanks for starting, chick - what are you going to see at the cinema? I sooo want to see One Day, out today. I just love the book:D
Perni - are No.7 vouchers out soon then? I need some powder, so I hope so:p
Welshie - enjoy your walk...and wow to 5 Biology lessons:eek:
Big waves to you all:A