Friday 25th 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 everyone!

Payday, yippee! Only problem is... money goes in, money runs straight back out again! Thankfully now budget sorted so at least money is going to the right things!

Today I have/will:
Check banks
Check CC
Check TCB
Check Paypal
Send another Ebay invoice reminder - grr
Submit missing cashback claim
Transfer money to various pots
Pay money off CCs
2lts water - Must Do This
Update calorie tracker from yesterday
Take cash out for the month - last couple of months I've been using cards, don't think it works as well as when I can see the cold, hard cash dwindling! Take out enough for works Christmas lunch and posh dinner drinks and put to one side!
Go out tonight - meal paid for in advance, so just drinks to buy
Breakfast/lunch from stores
Work hard!

Right, I best start getting ready for work!

Kxx

Pernicious

Morning KJP, thanks for starting us.

Morning to all who follow,

It's Friday, yay! Not quite payday for me (have to wait until Monday) but there is the good news of overtime for my OH this weekend, lots of overtime in fact, so should generate a few extra hundred quid to sort out the recent overspend (good timing, eh! ), although this does mean this weekend will be spent doing all the housework & going to bed very early But hey, it keeps me out of trouble I guess...


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]
• Check online banking
• [STRIKE]Check out this weeks flylady thread & do something[/STRIKE]
• [STRIKE]Try & keep the heating on low[/STRIKE]
• [STRIKE]Use free washing up liquid[/STRIKE]
• Arrange return of bolero, they took the dress yesterday but said I needed to arrange the courier for that...:mad:
• Package up some New Look items to return as well
• Pop to Mr T's on my lunchbreak & get some veg for the weekend - Changed my mind, will go tomorrow to the big one & do a proper shop as we're running low on a few things
• [STRIKE]OH hopefully doing 4 hours overtime tonight[/STRIKE]
• [STRIKE]Washing on eco setting[/STRIKE]
• [STRIKE]Hang up to dry[/STRIKE]

Have a great, MSE day everyone x

La_escocesa

Hi guys!

I'm walking to work and having breakfast there.

Going out tonight but will mix wine with a couple of soft drinks.

Got a packed lunch.

Will speak to the solicitor and see if we can sign on the dotted line!!!!!! :j :T :j

And oh, dnms a little birdie (called Facebook ) tells me it's your birthday today!! HAPPY BIRTHDAY!! :bdaycake:
You share it with my sister

Happy Friday y'all!

Oh, it's also my payday too :T

xxx

Nottoobadyet

Happy Friday, everyone!!

Thanks for starting us, kjp
Good news on the overtime, Pernie, maybe its a good weekend for starting a nice novel on those early nights?
what are you signing for, La E? A home? sounds exciting, whatever it is.
A very happy birthday to DNMS!!!!!!!!!!! Hope you'll spoil yourself a bit today.

Had a fabulous Thanksgiving dinner last night - ate loads and had good times with new friends.

Today I:

• Will drive everywhere I need to go, even on scary roads! Need to get braver. I think a security guard may have stolen my fuel though, not sure if its that or if the fuel gauge is broken... Will put in a bit of gas today to see which it is! Will be v. annoyed if it was him....
• have invited a mate over for dinner - she was going to have us by but said she'd need to order in food, which didnt seem fair so I invited her to ours
• breakfast from stores, lunch provided by work
• decide what we're having, buy ingredients and cook it up
• work hard to finish up the week so I dont need to do much work on the weekend
• check banking, update budgets etc

Tebheag

Good morning
Thanks for starting us off KJP.
Happy birthday DNMS

Today I am going to do another a few hours work at least 2 to finish one job yippee kids are in nursery so can easily be done.
only gave DH a small list for shopping last night £35 so going to do a meal planner and work when to do baking so using oven at the same time.
Checked bank
Check surveys
Thats it more now will add more later !

x

determined_new_ms

Morning :wave: thanks for starting us off kjp! My friend & I used to joke that when we got paid it is just virtual money, it comes in virtually, goes out virtually & most of the month there's virtually no money!

Perni excellent re the overtime, but always sad (for me at least) when the oh isn't around at the weekends!

La E good luck with the signing - wow you really are a grown up now!!!

Thank you for the birthday wishes :A am v excited as my lovely oh has given me tickets to go and see the Olympics qualifiers for the gymnastics in January :T can't wait am sooooo excited!!!!

The girls I went out for dinner with last night paid for my meal for my birthday - they said they'd discussed it & wanted to support me in my minimalism so I just paid £4 for the tip :T

Anyway stop the rambling!!!

today:

• call GP & get him to reissue sickness cert as am ready to go back to work
• check banking x2
• pay cc1 & 2

• return dressing gown to Asda
• post lovefilms
• vsp & update sig
• send off mouldy crisps to Lidl
• go for a run

ok that's all I think for today. Going out for a meal with oh, ds & dd this evening. Happy Friday to you all x

Karb

Morning everyone. Thanks kjp for starting the thread
LaE, hope all goes well with the solicitor
Happy birthday dnms. 21 today?

Well, what a quiet thread we had yesterday. We've already got as many posts in this thread as we did in the whole of yesterday's

Pay day for me today too! And, my expenses have been paid as well. :j

Today I have/woll:
Raided hotel room of tea/coffee. Back home tonight
Checked online banking
Transferred money from current account to savings account
Joined the pay a debt in 100 days challenge thread
Free coffee/water at work
Lunch on expenses
Read library book on train home instead of buying a paper or magazine

Quiet night in, so hopefully a NSD except for what I can claim back.

Have a great day everyone

janey183

First time posting on this thread so I hope I have the hang of it!

Right, today:

Made lunch for work from left over dinner last night;)
Checked online banking
Libary instead of a magazine (really hard to ween myself off!)
Visit to dentist to refill front tooth that has broken AGAIN (3rd time in 2 months so will try to get it free or cheaper...biggest smile to Mr Dentist:D)
Market for veg for week coming.

I think thats about it....

determined_new_ms

Welcome janey eek re the tooth hope its not painful!

Karb thankfully not 21! (although the youth looks and figure of 21 would be nice!) 36 and becoming ever wiser

so far having the best birthday - oh got me tickets for gymnastics (can u tell I'm excited??? :rotfl:) dd is talking to me, is coming to my celebratory meal and has a job interview :T and just received an email from my brother who hasn't spoken to me for several years wishing me a happy birthday & wanting to catch up soon :beer:

his_missus

Morning all! Been lurking on here for a while, think it's time to post.

Today I will/have:
- HM fruit loaf toasted for breakfast
- HM ciabatta roll veggie pizza for tea (using YS ciabatta that's been lurking in freezer a while and using veg up before it goes past its best so I won't have to throw away)
- pay some of my catalogue debt (can't afford to pay much as got a lower wage this month:()
- cook some curry/stirfry to freeze tonight (using veg up as above)
- early night to watch tv in bed curled up with cats (save on heating/electricity)

Have a good day xxx

Pernicious

This is much better than yesterday, I love it when the thread is alive & kicking, & when we have new posters join us! Welcome

Happy Birthday DNMS! _party_ Glad you're having a great birthday, what a fantastic gift from your OH! How great of your friends to support your minimalism, & in such a useful way too. Congrats to your DD on the job interview, fingers crossed it will lead to more, & that's really wonderful news about your brother - it makes me think I should try doing something about 1 of my sisters but then I don't know if it's any use! I agree if I'm not out & about I get a bit sad just pottering about the house by myself! I'll have to work out a plan to keep myself busy too.

La Escocesa - Ooh good luck! I hope you get to make it all official very, very soon
NTBY - Oh I do like your thinking, I will have to crack out the book I started reading on holiday & haven't managed to finish I need more hours in the day! (Or just less at work ) Glad you enjoyed dinner last night, I'd like to experience a proper Thanksgiving dinner so maybe I should put that on a future 101 list! Enjoy your weekend.
Janey - Hope you manage to get your tooth sorted for free, he's obviously not doing a very good job if it's broken again! Either that or you're attacking the toffee too mch