Thursday 24th November - What Small DFW Things Will You Do Today?!

Pernicious

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,

Hope you are all well on this chilly morning, I could really do without the cold dark mornings as it's not helping me get out of bed! Cannot wait for a lie in this weekend

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 do a couple of bits though[/STRIKE]
• [STRIKE]Check for surveys[/STRIKE]
• [STRIKE]Enter comps[/STRIKE]
• [STRIKE]Dinner from meal plan[/STRIKE]
• [STRIKE]Check online banking[/STRIKE]
• Check out this weeks flylady thread & do something
• [STRIKE]Try & keep the heating on low[/STRIKE]
• Use free washing up liquid
• [STRIKE]Take refillable water bottle to Polenastics & get a lift there[/STRIKE]
• [STRIKE]Return dress to store if they'll let me...the returns note says I can, but I know they don't stock that dress at my local store as it's quite small![/STRIKE]
• Package up some New Look items to return as well
• [STRIKE]Pop to Mr T's on my lunchbreak & get some salad, check out the reduced section![/STRIKE]

Have a great, MSE day everyone x

Nottoobadyet

G'morning, Pernie! nice to see the thread up early as it was in the olden days. Your post yesterday made me giggle - this is a small town, if there were another muzungu lady on a bike we would know! The new roommate (unfortunately only staying two months or so) also rides, which hopefully will make me less of a lets pull her over to ask for a bribe every hour novelty....

Had a really fantastic vegetarian Thanksgiving dinner last night with some yank friends. Crumble was a big hit, as always. I also baked this cake for another Thanksgiving dinner tonight: http://www.travelerslunchbox.com/journal/2005/5/2/rationalizations-of-a-chocoholic.html , which is incredible and I haven't made in Kampala yet, though it was a regular feature in London. Wasn't cheap though - decent dark chocolate is pricey here!

Anyway for today:

• breakfast at home (leftover crumble, health nut me )
• drove to work in the rain... weeeee!
• lunch provided by work
• making (another!) crumble tonight
• work out a safe way to transport the cake
• eat massive amounts at potluck thanksgiving dinner :T
• make a CC payment
• chase housing refund
• catch up with mum by BBN or skype
• work work work

Happy thursday / thanksgiving, all!!

Karb

Morning everyone. Thanks Perni for starting the thread

Today I have:

Hotel breakfast (work are paying)
Toiletries from hotel
Lunch and dinner on expenses. As the weather is good, I'll walk into town at lunchtime and buy from Mr T's so I can get clubcard points
Charge phones at work
Coffee/water at work
Check online banking - minimum payment dd to credit card has gone, so transferred money from savings account to cover
A NSD, apart from what I can claim on expenses

Bound to be other stuff, but I can't think of anything at the moment

Have a great day everyone

little_pink_purse

morning every one

well it cold here grr is that the snow on its way

its payday here:j but i think ive been over paid :mad: would be good but they will take of my xmas pay so i must wait and see
i have worked hard but dont think its all mine roll on mr postman

today ive
finish xmas shopping well 1 thing to get a purple blackberry cant find one grr
paid the bills
topped up gas and elec


todo
set up new standing orders
redo my last payment to blackhorse in dec
tidy the house
clean kitchen
ironing
wrap xmas gifts
make hm soup as i got a bag of leeks large bag of potatoes and a bag of carrotts for 7p each wow :rotfl:

better go and get my finger out

take care xxxx

determined_new_ms

Hello! Thanks for starting us off perni - re yesterday no you haven't missed anything just very down at the moment & worry about stuff, have been signed off of work for 3 weeks!

Today:

• [STRIKE]checked banking x2[/STRIKE]
• [STRIKE]received letter re PPI claim & they are offering me £160.28 :T need to read up on this & find out what next steps are but probably will accept[/STRIKE] (need to challenge my virgin rejection letter though!)
  • made PPI claim for loan in 2005
  • called financial ombudsman to log complaint over ppui with virgin
• received jeans bought off of ebay - £60 new and mine for the price of £17 :T FCUK best jeans ever!
• [STRIKE]having bacon, eggs & baggette at home rather than out[/STRIKE]
• pay cc1 & 2
• Mrs Flylady
• write letter of complaint to Lidl re moudly crisps & post
• post lovefim x 2
• go for a walk if my friend is free or a run if not
• complete job appl & look at job sites
• purchased spa day x2 from the newsletter :T

ok thats me. Have a lovely day everyone x

Yargo1

Hi all
A no spend day today as at home for lunch and dinner- from stores .. Earnie at lunch and jacket potatoes cheese beans tonight - was supposed to have this last night but ended up at chip shop as home late - after buying a wedding outfit :-)

Hope you are all ok x

Pernicious

Wow...the thread is so quiet today! Where's everyone been? I found us on page 4 :eek:

NTBY - Ah I see! Thanks for posting that recipe, it looks delicious! I will have to give it a crack soon
DNMS - Sorry to hear you've had to be signed off, hope your job applications are going well so you can enjoy work again. Congrats on the ebay bargain!

dl5543

Going through the junk in my house and finding things to sell!! Desperately need to make some money quickly for Christmas.

I've already sold some of my old clothes on eBay and some old books to We Buy Books.co.uk so I'm going up to the attic later to see if I can come across anymore treasures/relics! :rotfl: