Monday 14th November What Small DFW Things Will You Do Today?!

kjp

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.

Good morning everyone!

Right, must be very MSE :money:this week as on Friday we're off to Cardiff for the weekend so don't want to feel toooo guilty about spending a little!

Today I will:
Check banks
Check CC
Check Paypal
Check TCB
Check Ebay - respond to question from bidder
Drive economically to work
Breakfast/lunch/dinner from stores
2lts water
Transfer money in partner's account
NSD other than above
Update MS Money with above
Find list of relatives who need Christmas cards
Change bed and hoover/dust/tidy bedroom tonight - will keep me distracted!
Work hard!
Sparkle!

Have a lovely day everyone!

Kx

Pernicious

Morning all,

Thanks KJP for starting us off.

I am back to work today hence the early post, only for 3 days though which is a nice gradual start as we have 2 days off at the end of the week, & 2 days off at the start of next week for my OH's birthday! Cannot wait! If only every week was just 3 days of work.

Today's plan:-

• [strike]Food from stores[/strike]
• [STRIKE]Charge phone at work[/STRIKE]
• [strike]Make use of free water/milk at work[/strike]
• [strike]Stay in for my lunchbreak to avoid spending[/strike]
• [STRIKE]Check for surveys[/STRIKE]
• [strike]Enter comps[/strike]
• [STRIKE]Dinner from meal plan[/STRIKE]
• Check online banking
• Check out this weeks flylady thread & do something
• [STRIKE]Try & keep the heating off for as long as possible[/STRIKE]
• [STRIKE]Use free washing up liquid[/STRIKE]
• [STRIKE]Take refillable water bottle to Tkd[/STRIKE]

Have a great, MSE day everyone x

Pippilongstocking

Morning all

Up and bleary - very tired today Mr F snoring all night!

Today
Banks
Make lunch for later
Pack car for a bit of gardening
Pack up and post two plants from ebay
Check cc and think of a pad if I can
Work emails to do
Invoice to do
Wonder if they will pay me tomorrow for a bit of teaching?
Email lady about a charity thing
Email a couple chums, cheaper than phoning
Write a blog - no idea on what yet
HC on airer
HM dinner out of freezer
Check baking situation and do some if needed
DO a bit of tidying
Find out about zumba in local village hall tonight
Try and do a bit on website
Check loo roll stash - we're low in the loos
Freeze leeks and chop up other hg veg for freezing
Catch up on life in general!

I hope you're all good today! Thank you kjp for the thread! Have a good one everyone!

determined_new_ms

morning guys :wave: thanks for starting us off kjp! Good luck with the not spending this week!

I'm off of work until Thursday :j and going off to Coventry with oh in a bit :beer: staying in a lovely hotel, lovely grounds with a spa. Shouldn't be costly. All accom & breakfast is paid for, oh will get his meals on expenses & then we will split the cost of mine :T

today:[STRIKE]

• check banking & pay last bill

[/STRIKE](ds' before I give it back to him)

• make lunches & snacks for journey - tuna pitta breads to use up pittas
• take fruit for 3 days
• take caffeteire & coffee to make in the hotel room
• take daily mail from sat (given to me by ex-mil) to read on the journey
• take book & film for entertainment
• go for a lovely run in the grounds of the hotel if its not raining
• use free spa facitlities :T:j:beer:
• tomorrow will go to the Coventry museum for free :T
• might look for xmas present for oh while in town - might not as well though!
• ice cake this morning & drop it off at work for Wednesday

ok thats me. Gonna finish my coffee & get ready. Have a lovely few days y'all x

Nottoobadyet

Good morning moneysavers! Thanks to KJP for starting us off, hope you enjoy Cardiff on the weekend. I wish I had a short week like yours, Pernie, what are you doing for OH's bday?

I am a moneysaving mess. This month has gone absolutely mad and the ball is not only dropped, it has rolled across the floor and under the sofa :rotfl: I am in a pinch due to:

- buying my motorbike which should be a good long term investment but was obviously a big expense and i wont start saving until it arrives and I start riding it in a few weeks. It was a bit more than the amount I had put aside for it, though its new so hopefully wont break down and leave me stranded everywhere!

- buying tickets to Israel in December. There's a whole thread on the families board on this one - I'm going for the boy's dad's memorial service and though it should be cheap once we're there since we can stay with family and friends, the tickets were about 1k each (:eek:) and getting my Israeli passport renewed is turning into a stressful mess (there is no embassy in country and the one in Kenya is rubbish at answering their phone and responding to emails!) and will cost at least another $100 or so

- not cooking at home and being social by eating out. After a full life of vegetarianism I have just started eating meat and good god its expensive! How do you carnivores do it?

So after that rant, I need to get myself in line!

Today:
- breakfast at home, lunch provided by work
- called embassy on work line, weren't much help but needed to be done
- Got confirmation from lawyers that my temporary visa is sorted, hooray!
- work hard as loads on and lots of deadlines
- going out to dinner for a friends birthday tonight, hopefully it will be the only time this week!
- meal plan and do some food shopping so eating in is possible - empty fridge at the mo!

Send me strength, guys....

Karb

Morning everyone. Yayy NTBY is back!

Thanks kjp for starting the thread.
Dnms your break sounds fab. Hope you have a great time
Pippy where do you post your blog?
Perni, hope you enjoy being back at work.

Any word from starnac yet? I haven't been online over the weekend.

Had an expensive weekend. Eldest son was home, which meant clothes shopping, Christmas shopping, plus a family meal out. Enjoyed it though.

Back on the DFW wagon today though.

Free parking at local station
Free newspapers at the station
Charging phones on the train
Check online banking
Free tea/coffee/water at work
Declutter when I get home, got loads of paperwork etc that is out of date now. Made a start yesterday, but still have more to do.
Contact solicitor about my divorce, will call from work phone
Hopefully a NSD

Have a great day everyone

Pippilongstocking

Hey up Karb

My blog link here but you can find it on my homepage here too - I began it coz of a dyslexia diagnosis when I was scared to write anything - its very waffly - goodlify/gardeny/chicken/frugal nonsense!

Hope that paperworks gets massacred!

skint-student-nurse

Morning everyone! im slowly recovering from doing my nightshifts at the weekend, so i'll be on a go-slow today

aims for today are:

• check banking - all ok
• bake some cakes to give me something to do and if my boyf likes them,im thinking about cash for baking (if can find the thread, and as my boyf is a bit fussy,if he says the cakes are good,they must be good!)
• ebay things - gutted i missed the free listing weekend
• store cupboard meals
• work out budget for december
• pick up extra shifts if possible

have a good day everyone!

La_escocesa

Hi everyone :wave:

Ooh, have a lovely time DNMS - you deserve a little treat like that! And what was this I read yesterday about a job application???

Here's me:
Counted the days until pay day - 11…
Find something cheap for lunch - pick up some yellow-stickered bread for toast methinks and keep it in work's freezer for the rest of this week
Free cuppa x 2 in work
Enjoy buying my £5 Monday treat - posh shampoo for me this week :cool:
Checked banking and thought about the best way to do things this week - friend's wedding on Saturday - I'm bridesmaid and got a few wee bits to do/get for it.
Staying in tonight - operation mad tidy round!
Text mum - see if she minds if I take laundry to hers at the w/e - am sure she won't - she always asks cos she knows we're short on space
Finish off aunt's scarf - just need to do the tassles at the bottom :T
Catch up with pippi's blog

Happy Monday y'all

x

Aria`s_Tail

Hi everyone,
Just a quickie, at woirk today and only a short break today as really hectic.
Todays list of small things:
Not a NSD, just spent £62 on a new car battery.:eek: But at least it means car should start all winter, was a bit sluggish a couple of mornings last week when it was a bit colder.
Need petrol, drove past Mr T before and petrol station shut.:mad:, will go to Mr M on way to first call soon.
Post 2 Ebay parcels.
Had lunch of left over curry from last night.
Will make up butties for tonight, will be an eating and driving job I think!
That will have to do, roll on 10pm!

WelshWoofer

Afternoon all!
Hope everyone has had a bearable Monday?

Not too much to report today...

• Took lunch to work (leftovers and fruit)
• Walked dog locally to save on petrol
• Pay day tomorrow and have just checked the bank and I'm not overdrawn:j
• Have not used the CC at all this month and have lived within my means (just!):T
• Making tea from stores
• Make lunch for tomorrow
• Marking to do tonight:(
• Nice bath later and stay in and watch the soaps
• Filled in a survey for a bag of Thorntons (will put in the Xmas stash)

That's all for today.