Thurs 19th Jan - What small DFW things will you be doing?!

pixiechick99

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:D

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! :money:

Gooood morning everyone:j
Thought I'd get us going...better be quick though, running late myself:)
List for today:

• check banking - move tax credits about
• Quidco £17 put in savings acc
• packed lunches for school for dd2 and I
• meal from plan tonight - jacket pots, spag bol for dd1
• walk to work...even in the rain i shall walk;)
• heating low
• wrap and post ebay sale
• dye dd1's hair - not sure how this is dfw but it'll stop her nagging;)
• NSD...don't need anything:D

Ok, off I go. Have afba day....just think, the weekend is in sight:beer:

Pernicious

Morning Pixie, thanks for starting us off. Thanks for the reminder that the weekend is in sight, I need it!

Ziggy - Thank you for your kind comments yesterday, I think stress is just getting on top of me & making me worse! I really need to finish these wedding invitations, I didn't realise they'd be this much work...

Good morning everyone else,

Today I will:-

• Make a homemade juice - Have been really lazy the past few days & not done it...
• [strike]Make use of free milk/water at work[/strike]
• [strike]Leftovers for lunch[/strike]
• [strike]Stay in for most of my lunchbreak to try & avoid spending, need to pop to Mr T's again! Only want 2 things though.[/strike] - Bought a couple of reduced meat bargains again, that'll please my OH.
• [strike]Food from stores[/strike]
• [strike]Log calories using free app[/strike]
• [strike]Charge phone at work[/strike]
• [STRIKE]Check for surveys[/STRIKE]
• Enter comps
• Check online banking
• [STRIKE]Try & keep the heating on low[/STRIKE]
• Check out this week's flylady thread & do something!
• [STRIKE]Work on wedding related tasks[/STRIKE]
• [STRIKE]Take a look at diary to ensure I am up to date & prepared for everything coming[/STRIKE]
• [strike]Check ebay[/strike]
• [STRIKE]Check cashback[/STRIKE]
• [STRIKE]Dinner from meal plan[/STRIKE]
• List at least 1 thing on ebay
• [STRIKE]Try & go to bed early[/STRIKE]

Have a great, MSE day everyone x

ziggy2407

Good Morning all

Pixie Chick - Thanks for starting us off
Perni - dont forget to make some time just for "you"

Today's little list (very repititive but helping at the moment)

Check Banks - Done
Check Swapits - Done
Update food tracker (20lb off up to now since Sept) - in progress
Read ("Lost Boy") - in progress, struggling to concentrate
Comps
Try to sparkle -
Tea at mums tonight

Another quiet day here


Hope you all have a great day, love to you all

C x

PurpleFairy26

Morning All

Hope all are well? List for me today:

Working from home due to cancelled meeting - making most of it and using my 'lunch hour' to go to a gym class in the day as can't go tonight as it's parents evening - using gym membership - Done
no heating on a home during day - extra jumper if needed - Done
out for tea tonight as treat - have voucher aloready in purse
book BG boiler service (part of contract)
look out for work CC bill - is 5 days late - if it doesn't come by tomorrow will just submit as is - otherwise will miss another pay cycle - Done, added today's expense on to - competitor activity - free lunch for me and DH ;-)
check bankings - move around as required and update spreadsheet - no change
answer qu from £co about a query I raised for my missing £40 :mad: - done
maybe small shop later so I don't have to go at w/e - will stick to list though as only need a few bits whilst using contents of freezer/storecupboard. Hopefully will be well under budget this month for food - rest can go in savings
DBIL babysitting tonight - have LO from last night for his tea as payment

Think that's all have a good day everyone

josiebabie

Morning all,
Not feeling tip top today bit sniffly so need to keep going is my first thing!
This is me:-
- Check banking
- Keep searching for backless bra online
- Breakfast from home with works milk
- Lunch scavenged from left overs
- Write small Mr T's list for lunch stuff/fresh stuff
- Chase up phone bill
- Inform nursery of DD's holiday dates
- Work out final pay? Think we get our pay slips today and it's a biggie for me
- Sell 3 purges!
- Try to sell a service contract
- Try to sparkle, but I am soooo cold!

Jx

determined_new_ms

Morning gang :wave: thanks for starting us off pixie!

Perni just thinking, when I have loads to do - and would be getting myself stressed and in a pickle - I try to par things down and focus on priorities. Looking through my diary and seeing what are my "must dos" for today, tomorrow, next week, month etc. I think when I am under pressure its really important to be extra kind to myself x

ziggy well done of your weight loss! You must be really noticing a difference now!

Jonno enjoy ur cheeky lunchtime class

Listypops for today:

* [STRIKE]check banking x 2 [/STRIKE]- no change. Don't want to wish my life away but am desperate to check it tomorrow (payday) and know what I have for the next month. Am afraid its gonna be bleak - I think if I have 3/4 of my usual salary I'll be ok...
* [STRIKE]washing in at 30[/STRIKE]
* brekkie, lunch & dinner from stores
* check tyre pressure & clean car
* [STRIKE]wrap & post ebay return. [/STRIKE]Had a result yesterday as Ebay has sent me a freepost sticker so I don't need to pay to return it for my refund :T That's £7 in my pocket
* [STRIKE]visit ex-mil this afternoon[/STRIKE] got given a packet of doritos! mmmmm
* [STRIKE]go to furniture recycling warehouse & see if the tub of white paint is worth having - called yesterday & he said they have about 1/2 a pot. Only have a small bathroom so will see. Might actually pop to the recycling centre (tip) and see if they'll let me have a couple of pots for a couple of quid [/STRIKE] [COLOR="rgb(255, 0, 255)"]no joy sadly. Next step is hope that someone replies to my freecycle request & oh is going to ask his dad if he has any [/COLOR]
* [STRIKE]recycling places on the way to mil's [/STRIKE]
* check for surveys - haven't done this for ages!
* go for a run & a sauna

ok think that's me for today. Philosophy of the day is "making each day count" - going to try to see what the day brings me & make the most out of it :T Happy Thursday guys x

determined_new_ms

hope you feel better soon Josie, dose yourself up & you'll be right x

anh1904

Blagged a lift into work, saves £5 in petrol! NSD planned today too.

cleggie

Morning all!
Thanks Pixie for starting us off this morning!
Hope you feel better soon Josie!

Today i am:

-Picking up a bracelet and watch that i reserved in argos- bracelet reduced from £79.00 to £29.99, and watch reduced from £59.99 to £17.99! Those are birthday pressies for my niece and sister, so saved £40 on those

-Check online banking

-Work out Febuarys budget

So, not much for me today!

OrangeFairy

Morning

I hope all those that are feeling under the weather start getting better soon.
My Weigh in this morning - stayed the same...but i am happy with that as i know i wasnt great over the last week!!

My listy pops today

Carve OH's cake and start creating it
Check ebay for Sewing machines
Look after my Nephew 10.30-1.30
Housework- polsih, hoover and clean bathroom
Email virgin experience days
wraps hubbys presents
Get balloons blown up - hubby isn't fussed but DD2 is adament he needs balloons up for tomorrow!
DD2 to swimming and wash her hair there
Take cup of tea in a flask to drink while watching swimming
NSD
Update signature
30 mins exercise
keep my fitness pal up to day
eat healthily
Clean the fridge
Declutter one area of the house
make Cupcakes for OH to take into work

A lot of this depends on how long OH's cake takes!

Perni - some good advice from DNMS there x
DNMS - love your philosophy of the day - you wise lady x

Lost_and_nervous

Hi everyone,

I popped in a few months ago with all good intentions to stay and achieve! One thing led to another and I went Awol but managed to update diary when possible.

There is so much I need to do and should do and with a high amount of debt lingering, and a very cluttered house, I want to change and make the most of everyday.

I am very lost and nervous but am hoping 2012 is a different year.

So here goes for the list:

- List few items on ebay! (I have just had my limit increased so am a little excited and will be listing as much as I can) - 16 items and still more to go!
- meals from stores - lunch and dinner is out of the freezer, may make some biscuits at same time!
- I want to go to the poundshop but it will a very limited spend and on things which will be money saving in the end! (they have their gardening bits in and am looking to set up my own veg and fruit pots) - going to wait till tomorrow now
- small amount of ironing (to keep on top of it and save me from a)spending hours ironing and b) keep areas decluttered so can see what I can sell)
- keep heating down - my fingers are cold but thats all, no need for the heating yet
- check for surveys
- free bingo to work towards amazon or Mr T vouchers
- Freecycle - see if anyone is giving away storage for garden and house

I think thats ok for now, lets see how much I do, its a new me!

Have a lovely day!