Tuesday 13th March - What small DFW things will you be doing today?!

Nottoobadyet

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 :beer:



can we escape the double thread trap? in the danger zone...

For some reason cant get the colours to work - sorry guys!

Pernie - the poem my friend read is I carry your heart with me: http://allpoetry.com/poem/8494123-i_carry_your_heart_with_me-by-E._E._Cummings Its so beautiful I want to cry even just reading it silently.

Yesterday didnt end up being an NSD as some colleagues were in town so we had them over for dinner and I needed to buy ingredients. Tonight having dinner at a mate's place so a bit more MSE at least.

Considering buying tickets to Zanzibar for boy for his birthday in May - do people think that would be totally OTT? He's had a massively stressful year, its a big birthday (30) and we've never been away together (except for sad family occasions), and tickets are about £230 each. His birthday is before mine so i dont get to see his cards on what he thinks is a reasonable amount to spend on pressies! I dont want him to feel like he needs to reciprocate with an expensive present for me, but I do want to get away for a bit.

Anyway, today:

- Bike everywhere i need to go
- Sort some things for business
- breakfast from stores, lunch provided by work
- tea at friends, may have to pick up a bottle
- work hard at the office as loads on
- charge phone at work
- fill new cheapo MP3 player with music from roommie's computer

Have a good Tuesday, all!

littleskintdragon

morning nottobadyet, thanks for the start

Today i will be:
nsd
[STRIKE]check bank[/STRIKE]
put cothes on airer/line
take lunch to work
food from stores
drive sensibly to save petrol
ensure expenses are up to date
keep heating off?? if its warm enough yet??
borrowing the hoover from work and taking back tomorrow morning as mines blown up
think thats everything, have a lovely day xx

determined_new_ms

Morning guys :wave: thanks for starting us off NTBY erm not sure about the trip, let me think about it and come back to you....



Today:

• [STRIKE]check banking & cc's[/STRIKE]
• all foods from stores
• [STRIKE]walk to work[/STRIKE]
• NSD
• check onepoll
• text/email anyone I want to talk to today instead of calling
• post ebay items -
• get oh to burn a film so I can watch it with ex-mil tomorrow
• gym and sauna tonight

• [STRIKE]call paypal and sort out my account so I can withdraw the money from the account[/STRIKE]

ok think that's it for me today have a great day y'all x

determined_new_ms

opps and a very warm welcome to specialk - what a lovely first post & welcome to the fold!

bt1

Morning everyone! Thanks for starting nottobadyet

So, yesterday I cut up one of my credit cards!!! (see picture <

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). I'm going to pay this off in full on payday this month and close the account! Really proud of myself lol! this is the first month ever that I haven't used them! really think these little things have helped me be more organised!

Today I will:
- [STRIKE]check bank[/STRIKE]
- check onepoll at lunch
- [STRIKE]lunch from home (soup today!) [/STRIKE]
- drink lots of water
- NSD
- study at [STRIKE]lunch[/STRIKE] and at home tonight
- appeal parking ticket / call if still unavailable to appeal tonight
- start thinking about April's budget!

Have a good one! Xxx

Pernicious

Morning all,

Thanks for starting us NTBY, hmm I'm not sure on the tickets. Remind me how long have you been together now? & how serious would you say things are? I think it's a lovely gesture though & as you say, it's a special birthday so you can get away with spending more!

Today I will:-

• [strike]Food from stores[/strike]
• [strike]Leftovers for lunch[/strike]
• [strike]Make use of free water at work[/strike]
• [strike]Stay in for most of my lunchbreak to avoid spending[/strike]
• Pop to stationers to try & find matching card for invitations - I can't be bothered to move today! Will do tomorrow
• [strike]Log calories using free app[/strike]
• [strike]Charge phone at work[/strike]
• Check for surveys
• Enter comps
• Check online banking
• [STRIKE]Try & keep the heating off/low[/STRIKE]
• [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]
• Check cashback
• [strike]Check fleabay[/strike]
• [STRIKE]Dinner from meal plan - veg stir fry[/STRIKE]
• [STRIKE]Take refillable water bottle to Pole & get a lift there[/STRIKE]

Have a great, MSE day everyone x

Nottoobadyet

Pernie - we've been together 8 months, living together for all of it (we were flatmates before, for those who remember). So relatively serious but not exacting reading each other e e cummings poems yet

Part of the reason I'd like to go for it is that he's had a shockingly awful year - started with a nasty break up, then his father dying suddenly and young, massive family fall out around the estate, lots of stress around his work, depression, etc etc. If anyone ever needed a holiday...

With my ex we used to do short breaks as gifts for every birthday / xmas - not big ones but breaks in the UK, not far abroad etc. Its sometimes hard to tell whether things are normal for everyone or were just normal for us, so really appreciating the other opinions!

ziggy2407

Good Morning all

NTBY - Thanks for starting us off, my heart says "Yes" to trip but my head isnt quite so sure, you have both been through a lot though - Not much help I'm afraid
SpecialK - welcome to this great gang
Stitchy & Josie - Miss you

Today I will : (very repititive but helping at the moment)

Meet my very best friend for chat - Fantastic, just what I needed
Work (11.30-1.30) - Done
Check Banks - Done
Check Swapits - Done
Keep up to date with surveys -
Keep on top of emails - Done
Update food tracker (28lb off) - in progress
Read -
Quick tidy round - Done
20 mins on Yantra mat -
Ironing
Try to "sparkle"
Print B&Q Discount Form for OH
Sort all "car" related issues with stepson (as he's picking car up today) - Done
Coke Zone points - Done
Mcvities Points - Done
Comps
Relax with Holby - in progress

Hope you all have a great day, catch you all later, love you all

C x

brizzledfw

Hi all

Can't seem to get the quotes working but can I echo this one from zig? Stitchy & Josie - Miss you Hope you're both OK. Know you were saying things are tough

NTBY - sounds a lovely idea and good price (well I know you're a lot closer but even so..) If you can afford it I would do it...but in my book its all the extras around a holiday that mount up and makes it actually then unaffordable - you know, cheap city breaks for a weekend that end up costing 000s..so I now avoid them!! (oh and the kids help too!:rotfl:)

How about as a compromise trying to fleabay or make other income (you said you work in health but maybe they are other options for a temporary second job?) instead to pay (or at least pay for part) of it?

Today I will/have:

- keep heating off (but it was cool :eek:this morning..not a great start as I went back to bed for 30 mins as a result!)

- ask OH to start making a start on reclaiming:o/decluttering the toy room and re-cement the firebrick at back of stove..we will need this if the heating is off and it turns parky again

- made a PAD and checked online banking

-have a NSD..well thats the plan!!

Cheers

Brizzle

mon1o

morning all!!

missed being on here for a good few days! nothing bad, just been very busy.

so my dfw tasks to do today are:
-check online banking and move cash round
-all meals from stores
-keep heating off or on low
-get some house work done (boo hiss!)
- take dog for a lovely long (and free!) walk
- try and have a nsd

short but sweet!

yorpington

Morning all

Cold again this morning!:eek:

+ Nag my husband to figure out what's wrong with his PayPal, as it is holding up an eBay sale.
+ Post Mother's Day cards! This will save me a fortune in guilt if it's not late :rotfl:
+ All meals from stores, including leftover savoury tart for dinner - yum!
+ Make sure to fill in my OU form so I qualify for the transitional fee arrangements!:eek:

I think that's it! Have a lovely day everyone!:beer: