Friday 13 January - What small DFW things will you be doing today?

Spendaholic_Chick

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. :money:

So be proud of those small steps, they really are important!

Morning all! Hope no-one minds me starting the thread today - woke up at 4.45am and can't get back over so thought I'd do something useful! Got an awful sinus pain and headache, on top of that stomach cramps which tells me I'm due for more this week Friday 13th indeed!

Anyhoo...today I will:

- visit gym/pool/sauna for free done..well swim, sauna and jacuzzi
- free lunch at work for me and packed lunch for DS done
- dry clothes on airer done
- phone my dad and nanna with free mobile mins
- check online banks and hope for no shocks! done..no shocks, phew
- bingoport done
- swaggers
- check onepoll, panelbase, VO and spudshillings done

also booked free 7 day gym pass from fitness first

Hope you all have a gret day - I'll be back later to update progress :cool:

stitching_witch

Good morning all, and thanks to spendaholic chick for starting the thread today. And I thought I was an early bird today!
Thank goodness it's Friday and the weekend is coming. I have so much to do in the house, sewing room, garden and allotment that I really don't have time to go to work

So far:

• checked banking :eek:
• checked for surveys
• made packed lunch to take to work
• updated freezer inventory

I will also:

• have filling porridge for breakfast
• feed and water the chickens and ask for at least 3 eggs today
• drink free coffee at work
• knit at lunchtime to avoid going out
• DO NOT go near the bakery after my little lapse yesterday
• all meals from stores
• do some quilting tonight
• have an NSD

Nearly halfway through the month and desperate for payday to come. I'm feeling at a financial all-time low at the moment and really struggling. Naturally, that affects my general mood and it's making life a little unpleasant right now but, as usual, I will bounce back.

stitchy x

Pink_Giraffe

Good morning, and happy Friday one and all! Thought I would join you today, hope that's ok...

So far this morning I have:

• Signed up for some freebies and applied to join a panel
• Checked for surveys
• Checked the bank

Today I will:

• Remember my packed lunch
• Walk the couple of miles to my lift's place instead of wasting £1.70 :eek: on the bus
• Stay in and read my book at lunchtime
• Carve up & freeze the leftovers from the chicken we had last night and make chicken noodle soup with the rest
• Apply for the better jobs I found in the paper last night, I could definitely do with a pay rise!

Hope you feel better soon Spendaholic Chick, and hope you bounce back soon stitchy. Sending hugs for you both!

Pink

Wannabefree1

I love a good list - find them really motivating!

Today I will:
* check the bank, update my spreadsheet and transfer the shortfall I need from savings account to meet my loan repayment (was removed from current account on payday so I didn't spend it!)
* walk the school run, rather than drive.
* walk to the supermarket for my fresh weekly shop - not only do I save petrol it also limits the amount I can buy as I have to be able to carry in on the buggy handles.
* shop with a list and !!! nothing else, check cheapest brand and add up as I go around to make sure I don't spend more than £30.
* sort the timer out on the heating to come on twice a day as it's been on all day as I've been back at work a long time now! Oops!

kjp

Morning all!

Thanks to Spendaholic Chick for starting the thread, feel better soon! And welcome Pink_Giraffe - you'll love it here!

Today I have/will:
Check banks
Check TCB
Check CCs
Check Ebay
Keep up 'me' routine
Day 9 of 30 day shred :O
Food from stores
Update MS Money
Update food tracker
LSD - need to buy breakdown cover but other than that, no spends.
2lts free water
Carrot sticks as a snack throughout the day
Work hard!
Carshare to work

That's my lot, have a great day all!

brizzledfw

Hi all

Spendaholic thats a an early start so sorry youre feeling bad and just before the weekend too. Hope everything starts to feel easier too stitchy. Welcome Pink Giraffe!

Today I will:

- batch cook mince/ tomato sauce for use in lasagne and spag bol and eke out with lentils and root veg to make it go further
- collect dry cleaning ( is that MSE, oh well,it's still something i have to do!)
- check banking, make a PAD
- call mortgage company for details of balance
- write list of things to do for weekend which will not cost money and will make the house feel more organised


May be a NSD..if I have already paid for the dry cleaning, can't remember without looking in my purse, but certainly should be a LSD

Pernicious

Morning all,

Thanks for starting us Spendaholic! Hope you feel better soon.
Stitchy - Sorry to hear you're down in the dumps again, I'm hanging on for payday too - 2 weeks to go for me!
Welcome Pink Giraffe

:jYay it's Friday!:j
(Real life can once again resume...)

Today I will:-

• Make a homemade juice
• [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, need to pop out & get more ring quotes & give some of my clutter to a charity shop[/strike]
• [strike]Pop to Mr T's on my lunchbreak as well for some veg, will check out the reduced section too, it's only a small store so can't go mad buying lots of "offers" we don't need[/strike] - Result! Pork chops for under £1.50, still looked good which I don't usually see by the time I get to the reduced bit!
• [STRIKE]Dinner from meal plan - risotto tonight, mmm[/STRIKE]
• [STRIKE]Check for surveys[/STRIKE]
• [STRIKE]Enter comps[/STRIKE]
• [STRIKE]Check online banking[/STRIKE] - Please payday, hurry up!
• [STRIKE]Try & keep the heating on low[/STRIKE]
• Check out this week's flylady thread & do something!
• Work on wedding related tasks - Does going over things with my mother count?!
• Exercise at home maybe?
• [STRIKE]Pop over to my Mum's as it's her birthday, will go straight from work so less petrol is used[/STRIKE]
• [STRIKE]Take a look at diary to ensure I am up to date & prepared for everything coming[/STRIKE]
• [strike]Check ebay[/strike] - We have a bid!!! Woohoo!
• [strike]Check cashback[/strike]
• [STRIKE]Avoid the pub this evening, I am going out tomorrow so no need to go out tonight as well - need to reign it in![/STRIKE]
• [STRIKE]Signed up for another Mr T's home panel trial, yay for freebies![/STRIKE]
• [STRIKE]Washing on eco setting[/STRIKE]
• [STRIKE]Hang up to dry[/STRIKE]

Have a great, MSE day everyone x

OrangeFairy

Morning all!

Welcome Pink Giraffe! I love your name! Giraffes are my face animal

Spendaholic I hope you feel better today

I have lady pains today making mefeel like I want a warm bath and bed! Sod work....I wish

Right my day

Work productively and the day will fly by
Eat healthily and use all food we have at home
Check meal plan for tomorrow and take out relevant items
Design the cushion I want to make mum
Kids to have dinner at MILs
NSD
Work out grocery spends
Update sig
Check progress on a sewing machine on eBay that I am thinking of bidding on.
Get housework done

I also need to ring the swimming pool. My aunt gave me photos to scan in last night and I thing I left them there. I'll see if they are in my Mums car this morning first as she dropped me home. It will be awful if I have lost them! Loads of old photos! :eek: x

La_escocesa

brizzledfw wrote: »

Hi all

Spendaholic thats a an early start so sorry youre feeling bad and just before the weekend too. Hope everything starts to feel easier too stitchy. Welcome Pink Giraffe!

Just exactly what I was thinking

• I'm eating brekkie at home - no roll n sos just cos it's Friday!
• Made a sandwich for lunch to take to work
• Taking some paperwork into work to put in the confidential waste/recycling bins there
• Ask OH about the job he's applying for/remind him... :cool: (that's me in disguise pretending I'm just enquiring when I'm really reminding him y'see...lol)

We're also visiting grandma tonight but that's far from being MSE - need to get the train there and a taxi home - £20+ round trip... We are sharing a taxi with inlaws but the last time they only gave us a fiver towards it when they knew the fare was £18... :mad: so waiting to see what they cough up this time... On the plus side we get the chance to remind grandma that we are getting their old sofa when they get a new one in February :T

Happy Friday y'all!

xxx

pixiechick99

Morning people...lots of us about today:j
So...Friday is here, phew:cool: I only work until 12 too...I do love Fridays:beer:
I'm walking to work which means I get more time at home...crazy, if I drive I leave earlier so I can get a parking space. but it's lovely and dry and bright so why not walk:D
Ok, here's my list:

• check banking
• check onepoll/mysurvey/valued opinions
• do small food shopping at T's, with list written from meal plan
• go to college library for books for essay
• girls at ex's tonight so no cooking for me - something easy out of the freezer;)
• walking to work and home
• take slightly brown banana to work for snack and water bottle filled from tap
• heating off until this afternoon
• think what else to list on ebay this weekend
• early night with my book:T

Spendaholic - hope you feel better soon:)

Have a fab Friday:A

determined_new_ms

hi guys HAPPY FRIDAY!!!!!! Spendaholic thanks for starting us off! Can you put a smilie face in the title please?

Orange hope you find those photos!
La E eek! Hope they pay their share. Maybe you should only give £5 this time? Either that or just be direct
Perni good luck with those rings!
Welcome Pink Giraffe

As always time Is marching on!

Things to do today:
* have checked banking x 2
* did vsp & updated sig
* updated sig re GC & spreadsheet
* brekkie, lunch & dinner from stores
* work as hard as I can - have soooo much to do and so little time to do it!
* do freezer/fridge/cupboard inventory & meal plan/shopping list
* do sains online shopping as I have a £10 off voucher code
* print off MOC - have just got into this!
* gym? unlikely but I'll put it down anyway!
* house work tonight
* call water boards
* call spa and see if I can book us in for sunday but might have left it too late

Ok think that's it. V likely I'll be working late today. Gotta dash have a lovely day everyone x