Wednesday 14th December - 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

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.

Morning all,

Happy hump day!

I have managed to get up earlier today, hurray! However I fear as I am so tired I will simply walk around like a zombie instead of using the extra time productively...hmm...


Today's plan:-

• [strike]Food from stores[/strike]
• [strike]Make use of free water at work[/strike]
• [strike]Charge phone at work[/strike]
• [strike]Stay in for my lunchbreak to avoid spending & to catch up on here [/strike]
• [STRIKE]Check for surveys[/STRIKE]
• [STRIKE]Enter comps[/STRIKE]
• [STRIKE]Check online banking[/STRIKE]
• [strike]Check out this weeks flylady thread[/strike][strike] & do something[/strike]
• [STRIKE]Try & keep the heating on low[/STRIKE]
• [STRIKE]Use free washing up liquid[/STRIKE]
• Dinner from meal plan
• Take refillable water bottle to TKD tonight
• [STRIKE]Package up some clothes to take back[/STRIKE]
• Write email of complaint to the company who did the course at the weekend
• [STRIKE]Wrap some more presents if there's time (unlikely though!) with paper bought in last year's sales. I bought loads of it & it looks like I will need to do the same this year as we have used up a couple of rolls already![/STRIKE] - Managed 4 more...lol
• Cancel Amazon Prime before I forget!
• [STRIKE]Activate new cc that arrived last week....[/STRIKE]:o
• [strike]Read Martin's email[/strike]
• [strike]Check new Travelzoo top 20 for possible bargain honeymoon[/strike] - Utterly rubbish this week
• [STRIKE]Try to stay awake to actually get all of this done, there really should be a zombie smiley as that's how I feel right now![/STRIKE] - & with that I give up & go to bed at 11.30pm, not bad.

Have a great, MSE day everyone x

honeybear68

Hi

I'm affraid my list won't be as long as yours, suffering with CFS tends to plan my day's for me, some are good and others bad but today I will declutter my wardrobe and make a start on the filing cabinet however this will be ontop of the usual household chores.:)

lika_86

Not much for me today (too busy with work) but I have done a yougov survey this morning which leaves me only 25 points (one survey) off getting my hands on £50, which will go straight to my credit card I finally get it.

kansaskitty

Morning all!

Pernicious wrote: »

Wrap some more presents if there's time (unlikely though!) with paper bought in last year's sales. I bought loads of it & it looks like I will need to do the same this year as we have used up a couple of rolls already!
Have a great, MSE day everyone x

Ah Perni ditto here! I bought so much in the sales I thought I wouldn't have to buy any for the next ten years :rotfl:but I have already used most of it! I will be stocking up in the January sales.

Today I will:
- Check mine and OH's online banking
- Post some things I've sold on Ebay (£8.40 + postage which might be cheaper than I expected if I'm lucky, woo!)
- Buy half of MIL's Christmas present for under £10 sticking to budget
- Lunch and dinner at my mum's so no spends on food
- I will need to spend a little bit today on getting some photos from mine and OH's chilhood's copied to put in frames around the house

Honeybear- I hope you're managing with your CFS as best as possible.
Lika- Wow £50 well done!

Have a great day everyone!

cutestkids

Hi

This is the first time I have posted on one of these threads

I am going to resist the urge to order my last couple of things online and pay with my credit card, I will wait till Friday when there is cash in the bank.

The items are not essential so if they do not arrive before Christmas it won't be the end of the world.

In previous years I would go into panic mode around this time and order anything and everything on the credit card with every intention of paying it in full come January but then not actually paying it off.

I decided earlier this year that this would be a cash only Christmas so far it has been and I don't want to fall down now.

Sorry for rambling on

mummybearx

Morning all! Happy hump day!!!

Today I shall be mostly trying to do as little work as possible :rotfl:
Seeing how Im actually at work, that might be difficult lol

Currently on here looking for more MS tips, and on Maximiles clicking on the same two videos over and over again and getting 5 points a time :beer:

Phone is charging here at work as well
Food from the stores tonight, some sort of risotto I think
Will be a NSD apart from my lunch, max £2 being spent today
Might do some baking tonight, got stuff there to make banana loaves, see if I have time though

Good luck for today everyone! x

wannabee_in_credit

Morning all

I had a bad nights sleep last night. DS has a cough, the weather was awful and our recycling was rattling about all over the place.

Today I have
-made packed lunch for work
-sorted out the money I need to spend today and not a penny more
-hung washing on airer

And I will
-check bank online
-talk to nursery re ds grant
-finally finish Christmas shopping
-pick up my parcels from post office
-dinner from stores

Busiest day of the week for me so not much chance of mse style day, but also not much chance to spend money.

natlie

morning all
thanks perni

Today I have done 2 onepoll surveys and earned some swagbucks
read the mse tips
checked bank

i need to do washing
comps
ebay posting
noodles veg and sweet chilli salmon for tea

have a good day
nat

Karb

Morning everyone. Thanks Perni for starting the thread
Welcome to cutestkids

Thanks everyone for their kind and supportive words yesterday. I'm sure everything will work out in the long run, but it just feels very strange at the moment. It's not exactly a very MSE time either!

starnac

afternoon all. what a horrible day today. although DD did enjoy walking to school today as the roads were all white from the hailstones and she thought it was snow. She was so excited I couldn't correct her.

my list today

[STRIKE]check banks[/STRIKE] dire
[STRIKE]surveys[/STRIKE]
[STRIKE]all meals from stores[/STRIKE] (except breakfast which was supplied by coffee morning in church)
[STRIKE]heating on low[/STRIKE]
[STRIKE]sort out DVD's[/STRIKE]
[STRIKE]write more christmas cards[/STRIKE] (didn't do this yesterday)
[STRIKE]contact DPS[/STRIKE]
sort clothes
ironing :eek:
make flower brooch to go on DD's hat
[STRIKE]LSD[/STRIKE] (bus fare to church and small donation for the charities the coffee morning support) haven't got any money left in my purse to spend anything else

think that's it for now

Happy wednesday everyone

stitching_witch

Phew, time to sit down and think at last! Grandma Day was cancelled so I've had a morning of getting the last few food bits in for Christmas apart from the fresh stuff. Didn't come to much so really pleased.

So far:

• ran WM overnight on Economy 7
• hung HC on airer to dry
• lovely hot porridge for breakfast
• fed and watered the chickens
• went to Mr S and used a "£4 off a £20 shop" voucher - just scraped in at £20.95
• got Christmas cake in the oven and stollen rising in the airing cupboard

I will also:

• crack on with making Christmas presents this afternoon
• all meals and snacks from stores
• check credit card statement and set up a payment for after pay day

Mr S had their Christmas cake kits reduced to £2 today. Normally I wouldn't buy such a thing, but I actually bought two, and their Christmas cake icing kit for £3! I made a slightly smaller Christmas cake then used some of the boozy fruit and half of the marzipan from the icing kit for the stollen. This still leaves me another whole cake kit to make a mini Christmas cake and a Christmas pudding to put aside for next year. The icing set includes three star shaped cutters, which I had been looking for for a long time. Bargain!!

I'd better get into the sewing room before the whole day slips from my grasp.
Take care, stitchy x