Wednesday 23rd 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 :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 all!

Today I will:
Check banks
Check CC
Check Paypal
Check TCB
Give Ebay parcels to OH to post today
Update MS Money
Drive economically to work and back
Breakfast/lunch/tea from stores - must go freezer diving and see what's in there...
Update calorie counter
List AAT books on Ebay - passed exam, yippee!
Read MSE newsletter!
2lts water
NSD
Work hard!

LaE - hope you had good nes on the house yesterday!
Tehbeag & Lemmings - hope you're feeling better!
Natlie - was that the energy monitor from a couple of weeks ago? Will eagerly await mine - they came quickly!


Have a great day everyone!

Kx

traveller

Hi, well over the last two days, i have had NSD's:T really pleased with that!I have resisted the urge to buy stuff i don't need! I have washed up loads of stuff for ebay. I just need to tweak Asda's home delivery shop due saturday this evening. Friday will be a spend day, me and my friend are shunning the works xmas do-to have an earlier one courtesy of our yates vouchers. A free chicken masala provided you buy a drink-so a soda water with a shot of lime cordial it is Good luck everyone!

Pernicious

Morning all,

I'm back after having some very un-DFW days, so really need to get posting on here again & back into good habits! I did have a great long weekend though but it's back to reality now Running a tad late so will have to catch up with everyone later.

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 most of my lunchbreak to avoid spending, need to sort out my contact lenses though as I've been told they're ready to pick up in store when they should be delivered to me![/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 on low[/STRIKE]
• [STRIKE]Use free washing up liquid[/STRIKE]
• Take refillable water bottle to Tkd - Didn't go as have had a stinking headache
• [STRIKE]Package up bridesmaid dress to return - yup, still not done this...[/STRIKE]
• Package up some New Look items to return as well
• [STRIKE]Read Martin's email[/STRIKE]
• [strike]Try to catch up on the recent threads so I know how you're all doing![/strike]

Have a great, MSE day everyone x

little_pink_purse

Morning Everyone

Well its cold and windy here

going shopping today well with ds ive got no dosh so i will carry the bags lol

washing on
some ironing
tidy up
hoover

better get my finger out xxx

Nottoobadyet

Hello, all! Thanks for starting us, KJP.

Been out for a few days - what goss have I missed?

Today I:

• Drove my shiny new motorbike to work :T:T:T Now officially the only white girl in Kampala who rides one, I hope to become legendary assuming I can stop toppling over :rotfl:
• put in 20k worth of fuel, wonder how long that will last me as I was running on fumes. Embarrassingly, bike was so new that I had to have the attendant help me open the fuel cap...
• didnt have anything for breakfast at home so bought some samosas and chapati for 1k UGX (about 20p)
• exchanged emails with new roommate, thank goodness! She'll move in on Sunday
• made a shopping list
• making apple crumble for pre thanksgiving dinner tonight and baking a cake for tomorrow's proper thanksgiving dinner - will make a 2nd crumble tomorrow as well.
• finally got details from embassy that I've been waiting ages for - will arrange and send everything today or tomorrow, thank the lord

Tebheag

Good Morning everyone hope you are all well.
thanks KJP for stating us off.
Was up again with dd looks like another bug, starting get really fed up off them seem to have had one thing after another in November.
On good sid managed to get my 5 hours work in although was up till 1am doing it. Going to try again for 5 hrs hopefull dd will have a lunch time nap as got something on so unable to work till after 9.30pm.
1. 5 hrs work
2. Check bank Done
3. Check surveys 75p !
4. No buying chocolate !
5. Check were I am on christmas presents !
6. Ask DH to put items on ebay while I am out.

Hope you all have a good day.

Karb

Morning everyone. Just found out that my Uncle (my dad's eldest brother) died earlier this month. He lived in Canada and I only ever saw him once when I was about 4, but its still sad.

Aiming for a NSD today, apart from the meals that I can claim back on expenses. Checked online banking, still looking very grim. Roll on pay day on Friday!

Planning to contact mortgage company today. My fixed rate deal comes to an end in January, so need to discuss my options. Also need to submit my gas and electric meter readings to British Gas.

Other than that, its just the usual stuff.

Have a great day everyone.

Yargo1

kjp wrote: »

List AAT books on Ebay - passed exam, yippee!

Well done!! thats fab news! x

Yargo1

Morning all..

a nsd day here.. going to go home for lunch and dinner also from stores tonight

Checked banking.. roll on payday..

Have a good one all x

Nottoobadyet

Sorry to hear that, Karb. Something similar last week in my family - my dad's brothers wife passed away, just a few weeks after we found out she had cancer. I hadnt seen her since I was a teenager but it still sad - it also happened on the day of my granddad's memorial, so I felt bad for my dad going through all this while I'm so far from home.

**hugs**

natlie

Hi KJP thanks for thread and congrats on exam pass - energy monitor was the one from email 2 weeks ago, did come very quickly I was expecting it to take months! it was easy to install - our meter is outside and our wiring was different to the picture but I didnt electrocute myself thank god. I am now obsessed with it and know how much everything costs.

I have DD2 home from school today she has been up all night sick - keeping my distance and trying to keep her away from baby rang school they said lots of kids were off with it - grr advanced warning would have been nice. We had a letter home yesterday saying some parents had been fighting in the school yard - will have to find out who it was lol crazy parents

I have DD1 parents evening tonight and I am going with DD1 dad (ex from 11 yrs ago) and baby - hope no-one says he looks like DD1's dad and have to explain that hes not etc! lol

Wont be a NSD today as need milk and maybe bread

Everyday is a day closer to payday! and a day closer to going back to work! boo have emailed my boss to ask him if I can homework in Feb so I don't have to go back into it straight away fingers crossed!

washing is on

curry for tea have rice, chicken and veg in freezer, mango chutney and will make some naan bread

off to get a coffee and a welshcake now yum welsh elevenses lol

just had letter from HMRC tax credits going up £140 due to mat leave hooray