Monday 19th Sept - What small DFW things will you be doing?!

Tebheag

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.:D

GoodMorning Everyone the start of a new week and another week of hopefully saving money. I have decided I am going to try and do at least ten things a day !!!

1. Check bank against my monthly spreadsheet Done
2. See if there are any surveys to do Done
3. Do some work
4. Walk the dog locally
5. Do meal planner for the week
6. Tidy up the house
7. take son to nursery and daughter to playgroup
8.If nice wash kids bedding to dark to decide at mo
9. Sort out kids clothes and store summer things away
10. Call office try and sort out when to take jobs down.

Hope you all have a great day

kjp

Morning all!

Thanks Tebheag for starting the thread - I thought I was the only one daft enough to be up this early! When did it stop being light at 6.30?!

Today I will:

• Check banks
• Check CCs
• Pay money off CCs from leftover money in the bank - payday on Friday!
• Check TCB
• Check Ebay
• Breakfast/lunch from stores
• Take homemade soup to work to freeze
• Take fairy cakes to work for colleagues
• Update spends spreadsheet
• Take stuff back to M&S for the boy/exchange if possible!
• Car share to work
• Measure bits for Ebay to work out postage costs
• Work hard
• 2lts water
• Sparkle!
• See about booking Christmas meal for work - place we went last year currently doing free meal for organiser if booked before end of month!

Hope everyone has a good day, trying to be positive this week!

Kxx

Pernicious

Morning all,

Thanks for starting us off Tebheag, hope your plan goes well.

Urgh, Monday....on the upside, this time next week I will be on a plane to Marrakech!

Today's plan:-

• [STRIKE]Use freebie deodorant[/STRIKE]
• [strike]Charge phone at work[/strike]
• [strike]Make use of free water/milk at work[/strike]
• [strike]Stay in at lunchtime to avoid spending[/strike]
• [strike]Food from stores[/strike]
• [STRIKE]Dinner from meal plan[/STRIKE]
• [STRIKE]Check for surveys[/STRIKE]
• Enter competitions
• [STRIKE]Check online banking[/STRIKE]
• [STRIKE]Check out this week's flylady thread & do something[/STRIKE]
• [STRIKE]Take refillable water bottle to Polenastics & get a lift there with friends[/STRIKE]
• [STRIKE]Give some more thought on how to pack lightly for our holiday![/STRIKE]
• [STRIKE]Find some time to complain to Mr T's about not accepting the shreddies voucher that two others have claimed no problem![/STRIKE]
  

Have a great, MSE day everyone x

josiebabie

Morning all!
Was up early this morning so made an effort to look nice this morning! Always makes you feel better huh?
This is me today:-
- Checked bank, all as expected
- Popped to Mr T's before work for tights
- Porridge for breakfast from stores
- Constructed lunch from stores
- Submit purge sales to boss for commission
- Work hard and sell lots of labour, not a lot to work with today
- Two (?) purge opportunities
- Dinner from stores tonight
- Stop past pet shop on way home for rabbit food
- Try to decide where to spend Christmas
- Surveys?
- Definitely sparkle, feel like it today :-)

Happy moneysaving peeps!
Jx

determined_new_ms

Morning guys :wave: First day back at work for me & I seriously have not got a spring in my step! procrastinating as I really don't want to go back to work I will write my list & go get ready it can't be as bad as I'm thinking right????

Today I will:

• check banking - have been putting this off...
• work out holiday spends/who owes who what - ditto
• do budget for month
• breakfast, lunch & dinner from stores - stick to diet & point up food for yesterday...
• do some packing tonight
• go to zumba tonight - free as paid for with membership
• list something on ebay?
• NSD?
• pop into town in lunch break & pay in cheques

ok that'll do me I think. Happy Monday everyone x

~Yorkshire_Belle~

Morning sparklers!

Short list but lot to do

• work work work - million things to do today
• bread out of bm - smells yummy
• meal from plan
• no packed lunch today - bread too warm
• DSs football
• tidy house, it is a tip!

Candy0107

Morning Gang,

Thanks to Tebheage for starting the thread
Perni – hope this week flies for you
Determined – Welcome back

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

Today and yesterday I have/will:
• Checked online banking – no change
• Meals from storecupboard
• Check on my amazon sale – I need the money ASAP
• LSD – Bought some rolls and filling as I ran out of time this morning
• Read freebie paper on the train
• Used railpass to get to work
• Checked quidco – no change
• Read newspapers online
• Reading a library book when I have spare time (confessions of a shopaholic – I’ve seen the film loads of times, but never read the book......have to chuckle when I think of myself in her situation ie shaking when opening envelopes etc)
• 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
• Catch up on this thread from the weekend
• Phone up and cancel my doc’s appointment as no longer needed
• Phone up and cancel blood donation today as I’ve not been 100% recently
• Email boss and request that I leave at 4:25 Tuesday and Wednesday’s as I am at college these days and it should give me enough time to get the 4:30 bus so I get home at a reasonable hour

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

ixia

Morning everyone

Tebheag- thanks for starting us
DNMS- hope work ok

My list for today:

• 3 loads of washing out to line dry- starting to look grey hope it doesn't rain
• check banking/emails/quidco
• car share to work
• all meals from stores
• drink free water at work
• do my bedroom tonight didn't get round to it last night
• sort out budget
• arguing with myself about whether to pay balance of NY trip still about £450 short- payment linked to my credit card- bill just in so I would have a month to find the £450 if I pay it just now. I'm thinking I'm more likely to find the money if I do that if I don't more likely to dip into the money I've put away and I would find it as I refuse to pay any interest on the card they have had a fortune off me over the years. I only keep using it because it's a moneyback card.

Off to put my face on and get ready for work have a good day all

starnac

morning all. thanks to Tebheag for starting us off.

josie - well done on making the effort to look nice. I was thinking that I should make more of an effort in the morning while taking DD to school
DNMS - hope work isn't too bad
Perni - am jealous of your hols

my list for today

[STRIKE]take DD to school[/STRIKE] £1.45 to go 2 stops on the bus (and less than a mile) :eek: we will be walking once I have the baby!
[STRIKE]check banking[/STRIKE] looking grim
check for surveys
[STRIKE]post ebay sales[/STRIKE] waiting for one person to pay
clear nursery so DH can paint it
start sorting the last few boxes left in spare room
HM bread
tea and lunch from stores
meeting at school tonight
clear under bed so can put shoe storage thing under there

that'll do me for now I think

Happy Monday everyone

Logie143

Morning All!
Very positive weekend- got 2 weeks of food shopping in.. and as the delivery wasn't on time I complained and got it free. Which is nice.

Today:
Breakfast and lunch from home
Made a beef and ale stew last night, so that's slow cooking at the moment
Got myself a cashback AMEX for petrol and food shops- need to check the date payments go out so I pay it in full and don't have to pay that pesky interest.


Other than that, week 5 of couch to 5k this today.
Have a good one!

emfaz

Today I will:

• Check banks & shout at Santander as no replacement card (Day 15)
• Relist, list 5 items on Ebay
• Enter a min of 50 comps
• Eat scrummy lunch (left overs from my nieces christening)

and then it doesn't feel like moneysaving because it will result in the opposite (when done I will be paying for my own home and it all feels like a mahoosive expense but 34.5 yrs old is too old for living with mummy again for any longer!)

• pay for solicitor /homebuyers survey (moneysaving stalling for 4 weeks is as long as I can get away with/manage)