Friday 21st October What small DFW things will you be doing 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 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

morning guys :wave: TFI Friday! :j just today to make our way through & we are on our own time!

Where have a lot of the regulars gone recently? Is there some convention we don't know about??? Lovely to see La E yesterday - fab news re the house, fingers crossed for the sofa!

Today:[STRIKE]

• check banking

[/STRIKE]

• check cc1 & pay
• [STRIKE]transfer funds into Halifax acc[/STRIKE]
• [STRIKE]transfer savings in saving pots[/STRIKE]
• [STRIKE]VSP & update sig[/STRIKE]
• [STRIKE]mince out of freezer for lunch[/STRIKE]
• [STRIKE]pop to MR S for fruit & veg & use £3 MOC[/STRIKE]
• scanning & shredding if I get a lunch break!
• [STRIKE]brekkie, lunch & dinner from stores[/STRIKE]
• go out with oh tonight - decide how much I can afford to spend & stick to it
• [STRIKE]use selotape to defluff my jumper [/STRIKE]
• [STRIKE]make chocolate topping this mroning for choc fudge cake I made for my member of the team who is leaving today[/STRIKE] (she's such a brilliant member of the team am really sad to see her leave)
• do an energy supplier searh in lunch break

ok I think that's all I'll be able to get done. Happy days y'all see you on the other side! :A

Tebheag

Good morning DNM your are up early
Goodmorning to everyone else that follows

1. Checked the bank
2. Checked surveys did about 15 mins for a couple just to be told did not qualify or that they had enough people so annoying
3. Do some work today hopefully at least 3 hrs
4. Got a night out tonight not very dfw but I am replacing someone who has already paid and does not want the money back (its a hen night so was paid upfront now lady cant make it and told my mate to bring someone in her place)so got a ride in a limo and a free meal also lift back so just got to pay for a few drinks yeah never been to birmingham on a night out ! Also only one mate of mine there so going to wear my only going out outfit as the others will never knowits what i always where out !!!
5. Do some washing and hang on the radiators so cold today so expect heating to be on have kept it at 17 max DH told me off as dd1 was cold (well what did he expect she was running around with no clothes on it is autumn !!!)
6. Eat no chocolate did food shop yesterday and bought no treats as so over weight 4 stone aaaaaaaaaaah walk dog locally and do wii fit for 30 mins !

Think that is me for today as got to drop kids of for 5 hrs nursery and go to see a school and be ready to go to my mates for 3 !!!

hope you all have a great day hugs for those that need it x

determined_new_ms

wow your evening out sounds super cool Tebheag! Have a wicked time! x

kjp

Morning all!

Thanks for starting us off DNMS and Teabeag, your night out sounds fab, enjoy!

Today I will:
Check banks
Check CC
Check TCB
Check Paypal - don't expect the free £10 to be in there yet but hey, could be!
Update spends spreadsheet
Have a look at menu of restaurant I've been invited to next weekend to see if it's affordable or not...
Enter test items
Post test items
2lts water
Breakfast/lunch from stores
Go to Flabelos after work - colleague will drive so I'll pay the parking - but otherwise NSD
Try to avoid using car so I don't have to put petrol in!
Work out budget for next month.
Not a DFW-y one - clear the giant envelope of doom off my desk!
Sparkle!

Have a great day everyone - must dash!

Kx

pixiechick99

determined_new_ms wrote: »

Where have a lot of the regulars gone recently? :A

I'm lurking...:o:o:o

Pernicious

Morning all,

Thanks for starting us off DNMS, I know what you mean we seem to be missing so many recently! Hope everyone is ok.
Tebheag - Know what you mean about the surveys...I've had that a lot too recently & it's doing my head in!!! Enjoy your night out tonight, sounds fancy!
KJP - Glad I'm not the only one who researches a restaurant's prices before making a decision....:o
Pixie - Your post sounds creepy Hope everything is ok?

Question for everyone:- Is it cheaper to have the heating on low & obviously more layers on all evening after work, or use hot water bottles & again lots of layers? There's only me & OH in the house, so don't worry there are no children freezing their little butts off, just me & OH!


Today I will:-

• [strike]Make use of free water at work[/strike]
• [STRIKE]Charge phone at work[/STRIKE]
• [strike]Stay in for my lunchbreak to avoid spending[/strike]
• [strike]Check my camera thread to see if there's any update[/strike]
  
• [strike]Food from stores[/strike]
• [STRIKE]Dinner from meal plan[/STRIKE]
• [STRIKE]Check for surveys[/STRIKE]
• Enter comps
• Check online banking
• Check out this weeks flylady thread & do something
• [STRIKE]Try & keep the heating off again tonight, planning on snuggling under the duvet on the sofa this evening [/STRIKE]
• Finish working out what I've already bought for Xmas & what I need to buy still
• Put up free "No to cold callers" sign - getting tired of energy salesmen bothering us & what appears to be checking our meter?! - Can't seem to find any blue tack...*sighs*
• [STRIKE]Finish registration for TPS as I forgot to do this yesterday, just noticed the email link [/STRIKE]
• [STRIKE]Stay in tonight to save the pennies![/STRIKE]
• [STRIKE]Do a quick comparison of energy suppliers[/STRIKE] - Looks like we're better off sticking with our current one, yay

Have a great, MSE day everyone x

ixia

Morning everyone and thanks to DNMS for starting us

Today's list:

• try to get Stone Roses tickets for manchester not very mse but I really want to go
• check banking and emails
• drink free water at work
• washing- on radiators/airer
• go to ald! and use £5 off £30 spend from yesterdays paper

That's about it only thinking about tickets just now- keep your fingers crossed for me and I will also need to ask my boss if I can do it as they go on sale at 9.30 and that's work time :eek:

La_escocesa

Hi everyone :wave:

DNMS - thanks for starting us off nice and early And thanks for the 'shout out' re the house - fingers crossed - can't go taking any more bad news on the property front Just can't wait to get settled in and start debt-busting again - my cc is really taking a hammering with fees etc just now but I'm still saving up for stamp duty so can only afford to pay the minimum on them - doing my little nut in. Not that I want to wish my life away but roll on the new year when I can get organised!!

Tebheag - I like your style! Have fun tonight. And I think you're better having just one going out outfit that you love than having so many clothes you don't know what to wear :cool: I have hardly any clothes - wear the same things over and over again - I don't think anyone has noticed yet, or maybe they notice but just don't care

Anyway, enough of my waffling on...

• 'Roast' chicken in the slow cooker
• See if we can go to free 'try out' day at local gym :cool:
• Take care of the last £5 note in my purse
• Check banking
• Put the change lying around in the penny jar
• Bit of knitting
• Bit of reading
• Bit of chillaxing - might make a weetabix cake - https://forums.moneysavingexpert.com/discussion/215590

Keepin' it simple

stitching_witch

determined_new_ms wrote: »

Where have a lot of the regulars gone recently? Is there some convention we don't know about???

I'm lurking too! I still read the thread every day, but there's loads going on in "real life" and need time and space to get my head round it all.

starnac

morning all. thanks to DNMS for starting us off. Hi to all the lurkers hope you are all well.
Hope you have a good night out Tebheag
Perni i think I read somewhere that it costs about 5p to boil a kettle so you need to compare that against your gas costs (if it's gas central heating you've got)

quick post today

[STRIKE]banking[/STRIKE]
surveys
[STRIKE]gloss radiator in front room[/STRIKE]
finish glossing banisters
HC after DD gets home to wash her uniform
start making Christmas presents
[STRIKE]heating off while only me in house[/STRIKE]
[STRIKE]all meals from stores[/STRIKE]

will pop back later. Happy Friday everyone

Aria`s_Tail

Morning gang.
I'm working a split shift again today, third in a row and i'm soooo tired so not a big list. Have popped home for brekkie and put the washer on, will hang it on airer at lunch time.

Todays small things:
All meals from stores.
NSD.
Go and try and track down the saddle fitter who has sold a horse saddle for me and now owes me the money! Have been to the shop 4 times in the last 2 days and hes always out. :mad:
Nap at lunch time as i'm pooped!
Check for surveys.
Have to go into office for next weeks rota, quick in and out then I can't get roped into anything!:p

Have a good day everyone, i'm looking forward to a productive weekend off.