Thursday 27th October 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

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. :money:

So be proud of those small steps, they really are important.

Morning guys! I hope everyone is well. I feel like I am coming out of a long dark tunnel but today is a new day and I intend to feel better, can't mope around forever can I??? So me today:

• last day at work as I have tomorrow off :j need to get some very important things done
• brekkie, lunch & dinner from stores
• check banking
• collect train tickets for tomorrow
• call BG & set acc
• call southern water
• scan & shred if I get a lunch break
• make bread
• make packed lunches for tomorrow to try to keep costs low
• going out for a meal with some friends tonight
• internet is finally being set up today :j remind ds

ok that's all I can manage I think, have a good day y'all x

kjp

Morning DNMS, thanks for starting the thread, just pipped me to the post!

Hello to everyone else too!!!

Just a quicky before I run off to work (well, drive..)

Check banks
Check CC
Check Paypal
Check TCB
Update Microsoft Money
Enter sent/received items
LSD if not NSD - depends on next point!
Drive carefully to preserve last two bars of petrol - but if it drops below 2, fill up at petrol station near work that gives me better mpg
Breakfast/lunch from stores
Quick Flabelos after work - check in local paper if discount voucher in there
Check Next bill
Drop new home into grandparents
Keep an eye out for good biscuit deals for Christmas for the grandparents!
Work hard
2lts water
Sparkle!

Have a great day all!

lemmings1986

kjp wrote: »

Morning DNMS, thanks for starting the thread, just pipped me to the post!

Hello to everyone else too!!!

Just a quicky before I run off to work (well, drive..)

Check banks
Check CC
Check Paypal
Check TCB
Update Microsoft Money
Enter sent/received items
LSD if not NSD - depends on next point!
Drive carefully to preserve last two bars of petrol - but if it drops below 2, fill up at petrol station near work that gives me better mpg
Breakfast/lunch from stores
Quick Flabelos after work - check in local paper if discount voucher in there
Check Next bill
Drop new home into grandparents
Keep an eye out for good biscuit deals for Christmas for the grandparents!
Work hard
2lts water
Sparkle!

Have a great day all![/QUO

hi kjp tesco have some really good deals on all there christmas biscuits chocolates etc quite a few are half price or on sale:)

lemmings1986

morning dms and everyone else
just waiting for instructor to turn up another driving lesson today.
but will be back later with to do list hope everyone has a a good day:)

Pernicious

Morning all,

Thanks DNMS for starting us off, ooh I am jealous you are off work tomorrow!

Today I will:-

• [strike]Charge phone at work[/strike]
• [strike]Make use of free water at work[/strike]
• [strike]Food from stores[/strike]
• [STRIKE]Dinner from meal plan[/STRIKE]
• [STRIKE]Check for surveys[/STRIKE]
• [STRIKE]Enter comps[/STRIKE]
• Check online banking
• Check out this weeks flylady thread & do something
• [STRIKE]Try & keep the heating off again[/STRIKE]
• Finish working out what I've already bought for Xmas & what I need to buy still
• [strike]Stay in for my lunchbreak to avoid unnecessary spending[/strike]
• [STRIKE]Take refillable water bottle to Polenastics & get a lift there[/STRIKE]

Have a great, MSE day everyone x

Tebheag

Good Morning Everyone
Thanks DNMS for starting us off just beat me had to go off and make more breaky for the kids !!!
Today got my brother and his wife coming so not going to get much down !
Make lunch ham with cauliflower cheese make extra cheese sauce for meal during the week
Washing in the machine try and hang in conservatory if warm to dry but not holding much luck tipping down outside so no change of line dry !
Check bank
Check surveys
Check halifax
Tidy up house
Make more cakes as got lots of flour still to use so much can be made with a bag and a bit lol Bake while doing lunch as oven will be on (did loads of rock cakes last time) might also do some choc chip cookies !
Find stuff to list on ebay
Sort my mums phone as she does not want it Might not sure weather to sell chipped or get it unlocked first !!
Exercise running up and down the stairs 20 times (done) going to have a fun day with the kids

Hope you all have a good day

michelle2904_2

hi my very 1st post :j although feel like a lurker for months well actually that does make me a lurker!!

today

me and ds 11 are going to meadowhell for lunch and to see tin tin at the cinema
free train travel using red spottedhanky e voucher courtasy of mse link and using fam/friends railcard which i got half price using tesco vouchers

lunch at pizza express using a voucher from the mail newspaper (free at work) i cut it out before anyone else got the mitts on it:rotfl:
no vouchers for vue cinema but i can live with that.

have a great day xx

DawnW

Morning all :j

Yuck, it is pouring with rain here today It rained till about 3pm then stopped long enough to walk the dogs and take carp to CS

Thanks for starting the thread DNMS, and I do hope you feel better soon

Today:

OH working today, so a day at home on my own as I am still on leave Ended up not doing very much as the cold that has been lurking has decided to appear with a vengeance

Check bank accounts. I must sort this, as we have 2 accounts which each incur a fee if £1000 isn't paid in monthly :eek: OH has given up his regular job and gone self employed doing things he likes, which is fine, but he isn't going to be paying in anything like £1k, and it is going to be an awful faff for me to service both of these accounts to avoid the charges :eek:. I think I will arrange for my wages to be paid into the joint account, and move the direct debits. I will then close the other account as soon as I am sure that things are going in and out as they should be. Best to do it myself I think to avoid giving S*ntander any excuse to mess things up :eek::eek: Had a look at this and there are 4 direct debits to move - important ones like the mortgage, Npower and buildings insurance :eek: I will have to start this after I have been paid at the end of the month.

[STRIKE]DD1 gave me a set of mugs for my birthday, so am going to take some of my 'old' mugs to the CS. They are fine, and I was quite happy with them (I didn't NEED new ones) but I now have more than 20, and will donate some in the spirit of my new one in, one out decluttering policy! Also chuck in some horrible smelling perfume and body lotion that I was given a couple of years ago - somebody might like it, and it wasn't mega-cheap[/STRIKE] Done, trundled down town with my shopping trolley all loaded up after walking the dogs

List 2 items on ebay, boring, but necessary given need to keep new house as clutter free as possible Haven't done this

Finish hoovering Or this

Clean bathroom Or this either

Clear clutter from surfaces in dining room and lounge, and put it away Cleared some of it, but not all

[STRIKE]Sort out pile of sheets and duvet sets that have taken up residence at the top of the stairs [/STRIKE]:eek: (I have pulled them out of the airing cupboard) Done, and taken unwanted ones to the CS

Go to doctors surgery and tell receptionist of change of address. Also order repeat prescription for asthma inhalers Ordered repeat prescription by phone and asked about change of address. Apparently I will need to fill in a form, so will do it on Monday when I collect prescription.

Was going to sort out the front garden, but given the rain, that will need to wait for another day :mad::mad: Rained till 3, then stopped long enough to take dogs out and dash to CS in town - then started pouring AGAIN :mad:

[STRIKE]Make cauliflower and macaroni cheese for tea[/STRIKE]:D Done, made loads, enough for tomorrow as well :T

[STRIKE]
Try to keep heating off until tonight despite despite horrible weather.
[/STRIKE] It is still off, as not cold, just wet and horrid!

Candy0107

Morning Gang,

Thanks to Determined for starting the thread – well done on the change of mindset...it does work (plus it helps if you imagine that everyone who hurts you come back as dung beetles)

I feel its going to be one of those days....the person next to me is already moaning and it’s only 8:15! :mad:

Today I have/will:
• Checked online banking – no change
• Breakfast and dinner from storecupboard
• LSD – only buying something cheap for lunch (month end madness still, and havn’t got anything in the house for lunch)
• 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
• 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

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

WelshWoofer

Morning all! Thanks to Determined for starting us off - hope you have a better day today.

KJP - M&S have their posh biscuits on offer at the moment, saw them on Tuesday and was very tempted!

I'm still on half term so have a day at home today... little things will be...

• Rejig money now all purchases have gone out of the bank
• Bought Dad's Xmas pressie last night on line using saved up Xmas money, just bessie mate to go now
• Walk dog in the rain:(
• Do lots of school work - year 10 lessons, yr 9 revision lessons, yr 12 new stuff
• All food from stores
• Booked tickets to see Contagion with friend tomorrow and look for a voucher for tea before the film
• Have a LSD if not a NSD
• Stay in tonight and watch telly (soaptastic tonight)
• Fiddle with shopping list for the weekend (trying to spend less than £20)
• Try not to drive to save petrol

That's it for today - hope everyone has a good day.

miaowmiaowmiaow

Morning! THis thread is a great idea, I dont have a huge list today as I am off work this week

Its a cold and rainy day, so trip to park with DS is off but he wants to look at the fish and bunny rabbits in pets at home instead - so intend to not spend any money apart from a bit of petrol.

I have got to:

check my bank accounts and pay bills
take DS to see fish/rabbits in pets at home
fill in forms to switch bank accounts (been putting off for WEEKS!)
sort out enormous pile of old paperwork on table and shred/file/deal with (also been putting that off)
enter comps
cancel lovefilm
find cheapest local petrol station while i have time to make a special journey today
not buy any wine or fags!
with exception of petrol, have a NSD - would that count?


have a good day everyone,
rach