Thursday 1st September 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 :hello: HAPPY THURSDAY :j:j only today & tomorrow to go and then we are back to freedom :j (I also have 2 weeks off so its pure freedom for me :beer:)

I should be getting ready but here I am as usual faffing around on the pc!

today:

• checked banking & cc statement - the cashback has been credited :T
• am going to use this & £5 nectar reward towards a winter quilt (duck down on amazon £25 :T bargain!) & zumba for the wii & it will only cost me £10 (my half of the quilt :T)
• call Ovo & npower as I have changed energy suppliers & both have taken dds out of my account :mad: so that's £160 spent on elc & gas this month. Has scr3wed the joint account so hope I can get one of them back....
• breakfast, lunch & dinner from stores
• serious packing after work
• wii fit for an hour

that's all I can think of! Happy days everyone x

Ziggy good luck for today x

ixia

morning everyone and thanks for starting us DNMS

Today's list:

• car share to work
• brekkie lunch and dinner from stotes
• have a NSD
• Start Sept grocery challenge
• Quidco payment been paid
• check banking/e-mails/surveys
• washing out to line dry

Have a good day everyone!!

kjp

Morning all!

Thanks DNMS for starting the thread, and good luck to Ziggy and her husband - fingers crossed for you my lovely.

Today I will:

• Check banking
• Transfer money around from various pots
• Update spreadsheets
• Check CC balance
• Check TCB
• Press 'upload' on Turbolister tonight - 10 day listing so items will end Sunday
• Do some essaying
• Measure 'awkward' Ebay items to work out postage, and start writing up listings for them - can anyone recommend a courier that will deliver large but very light items?!
• Work hard - two days before boss back, must get to do list done!
• Avoid work canteen
• Made lunch before work - couscous and basil, yum!
• Drink 2lts water
• Post Ebay item and Asos return
• Car share part way to work - only the last 7 miles but every little counts!
• Smile!

Have a fab day everyone!
Kx

Red_Doe

Morning everyone.
Will be gathering veg from the garden to freeze, after perusing through my old Mary Berry's Popular Book Of Home Freezing last night.
There's a whole section on freezing tatties which seems easy enough so will try some chips, mash and wedges. We eat a lot of tatties here as they are filling and tasty, so having some ready in the freezer for those days I'm feeling too rough to cook will be a boon.
Catching up with the washing too and drying outdoors as I'm sure I read somewhere we are due to get the tail edge of Hurricane Irene up here soon so am anticipating gale force weather maybe after the weekend.
hope everyone has a good day.

Pernicious

Morning all,

DNMS - Thanks for starting us off & good luck with Npower...they are atrocious. Make sure you claim a small amount of compensation to cover your phone calls, time & stress!!!

Getting my post in quickly before work this morning is hopefully a good idea & won't cause me to be late...but then I am still sat here in my dressing gown :eek: Eek, better get a move on...


Today I have/will:-

• [STRIKE]OH up early to do 2 hours of overtime this morning bless him[/STRIKE]
• [strike]Use freebie deodorant that I have been paid to trial[/strike]
• [strike]Use freebie moisturiser[/strike]
• [strike]Make use of free water/milk at work[/strike]
• [strike]Food from stores[/strike]
• [STRIKE]Dinner from meal plan[/STRIKE]
• [STRIKE]Check online banking[/STRIKE]
• [STRIKE]Rejig budget[/STRIKE] Oh my we have overspent...
• [STRIKE]Check for surveys[/STRIKE]
• [STRIKE]Enter comps[/STRIKE]
• [STRIKE]Charge phone at work[/STRIKE]
• Check out flylady thread & do something!
• [STRIKE]Read Martin's email again as I don't think I took it in much[/STRIKE]
• Washing on eco setting
• Hang up to dry
• Find something to wear to my work do tomorrow so I don't have to buy anything new!
• Maybe work on some wedding bits? I definitely need too...

Anyway that's my lot, have a great, moneysaving day everyone x

Tebheag

Good Morning all

Hope everyone is well sorry not been on for a few days so not sure what I have missed will have a catch up later tonight.
Today Done

Lunch out of freezer pasta and cheese sauce
Chicken out of freezer for dinner Hope to use all the stores in house to keep me going for at least another week as refuse to use cc to buy food. only got £70 left for food till pay day !
Checked surveys very quiet though.
Try and get a bit of work done
Load some more things for ebay !
Got lots of apples ( a whole box) and pears so see what I can do with them for puddings etc
Try and get hold of my cousin as need help going for sage not used for a few months and got a job interview tomorrow where they are going to give me a test aaaaah

Hope you all have a good day x

Yargo1

Morning all
Well I've managed to get out of bed before 8am -so first positive off the day
Want to get to work for half eight so I can leave at 5 ...

Will be checking online banking and try to have LSD

Hope u all have a good one x

Candy0107

Morning Gang,

Thanks to Determined for starting the thread – good luck in getting your money back

Tehag – good luck with Sage

Hope everyone else is good – hugs to those that need them

Today and yesterday I have/will:
• Checked online banking – a couple of dd’s have gone out
• Moved spare pennies to ISA
• Withdrew cash for lottery syndicate
• LSD – only buying a WW magazine tonight, but I have a MOC which I will use
• Dinner from storecupboard
• Read freebie paper on the train
• Renewed railpass
• Used railpass to get to work
• Answered a question on ebay re Bessie
• Phone docs for result of blood tests – expecting a bit of bad news (nothing too bad) but will have to deal with it when I know for sure
• Checked quidco
• Read newspapers online
• Need to charge up mobile at work
• Take vits and meds to control hormones
• Update food diary
• Drink plenty of water
• Need to keep an eye out for MS jobs and surveys
• Drink my lovely/disgusting multivitamin drink (own brand B*rocca)
• Off to ww after work


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

stitching_witch

Good maroning all, and thanks to DNMS for starting us off. I wish I hadn't heard "The Lazy Song" before getting out of bed this morning as now "I don't feel like doing anything"


So far:

• ran DW overnight on Economy 7 and now unloaded too
• made DH lunch to take to work - not enough stuff for me too
• fed and watered the chickens
• scoured local paper for a different job
• knocked back the bread and put in airing cupboard to rise whilst I'm at work

I will also:

• take motorbike to work - very little fuel
• just buy a couple of rolls and fruit for lunch and try to avoid the doughnuts
• check for surveys throughout the day
• take library books back today - closed yesterday
• price up kilner jars in the local hardware shop and compare to online prices
• egg and bacon pie for dinner using our eggs and some left-over gammon
• bake bread whilst oven is on
• remind boss about my request to do a 4 day week - he's good at procrastinating :mad:

That'll do for a day when I don't feel like doing anything; nothing at all!

stitchy x

shezam

Good morning all!
1st September where has this year gone?!


Today:

• Large breakfast, medium lunch, small dinner (this is my diet plan for September! Lets see how that pans out!)
• Check banking
• Move pennies to ISA
• Work out budget for month
• Free water at work (try & drink at least 2ltrs, I always need the toilet though its soooooooooooo annoying!)
• Read newspapers online
• Charge mobile at work before going home tonight
• Damn just remembered i'm out for tea for Mothers birthday tonight, drink minimal alcohol and a small dinner!
• Have a NSD or at least a LSD!

Have a good day all, i'm gonna go check my bank now, got paid yesterday but spent alot of money! bit scared to look actually
Sxxxxxxxx

Avogirly

Good morning all! I hope you don't mind me joining in with you today, but I feel I need you guys to keep me on the straight and narrow.

I'm going to start off small, as I keep on setting myself up for a fall with a million things to do and no time to do them.

So today I shall do the following: -
Investigate when I can cancel my gym membership. Emailed, currently waiting for an answer. Have heard from gym, and because this months money has already gone, it is cancelled from 1st October. Therefore I shall be using and abusing the gym until then!
Check all bank accounts Done.
List five things to sell on ebay/amazon Three things listed on amazon and three on ebay. Whoppee! Lets hope lots of people want my [STRIKE]junk [/STRIKE] treasures!
Shopping was delivered yesterday, so I will do a menu for the week
Sort out all clothes and put away.
Take change to bank. Taken change to post office £96 banked for holiday spending money.
Post ipod for recycling. Packaged up, but forgot to take with me. Will post tomorrow.

I think that is pretty manageable for today.

Hope everyone has a good day, thanks for letting me join in and please feel free to harass me if I don't update my list today! Get me, I've updated it twice so far!