Monday 19th March What small DFW things will you do?

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 :money:

Good morning, all! I hope we missed the double thread trap...

Sounds like many of you on the weekend thread were recovering from big spending weeks - hope everyone is having a good run of frugalness. Hugs to those who need them.

Cheapish weekend here - spent most of it working, so some cafe expense but not too bad. Had a friends leaving 'do on Saturday which was great fun and lasted until 4 am :eek: but only cost me fuel and the cost of a bottle of water as I needed to drive, and my margin of error on the motorbike is pretty narrow!! Was less cheap on Sunday as we had a leaving brunch, but had a cheep eve at another friends house watching a film.

Anywho, today:

• Update budget and spending diary
• check banking
• bike everywhere I need to go
• charge phone at work
• email co-conspirators on surprise trip for OH
• lunch provided by work
• tea at home - leftover chili, will have to make some rice
• gym in eve if not too late - first time in a very long while, :eek:
• revise meal plan for week as has gone to scrap so far!
• buy dog food
• watch film at home or catch up on work in eve

Happy monday, everyone!

Pernicious

Morning,

Thanks for starting us NTBY, hope the trip plans are going well!

Today I will:-

• [STRIKE]Walk to work if there's time??[/STRIKE]
• [STRIKE]Food from stores[/STRIKE]
• [STRIKE]Make use of free water/milk at work[/STRIKE]
• [STRIKE]Meet my Mum at lunchtime, but will have bought in lunch from home[/STRIKE]
• [STRIKE]Log calories using free app[/STRIKE]
• [STRIKE]Charge phone at work[/STRIKE]
• [STRIKE]Check for surveys[/STRIKE]
• [STRIKE]Enter comps[/STRIKE]
• [STRIKE]Check online banking[/STRIKE]
• [STRIKE]Try & keep the heating off/low[/STRIKE]
• [STRIKE]Work on wedding related tasks[/STRIKE]
• Take a look at diary to ensure I am up to date & prepared for everything coming
• Check cashback
• [STRIKE]Check fleabay[/STRIKE]
• [STRIKE]Package up ebay item that was paid for late last night, or early this morning depending on how you want to look at it![/STRIKE]
• [STRIKE]Dinner from meal plan - Enchiladas, won't be able to have this soon so going to savour it![/STRIKE]
• Take refillable water bottle to TKD

Have a great, MSE day everyone x

bt1

Morning nottoobad! Thanks for starting!

I've been missing for a few days and haven't had a chance to catch up with the threads! Hope you've all had a good weekend!

I was ill on Friday so took the day off work.. feel so much better now- think I needed that time off!!

Today's list:
- check bank
- check onepoll
- lunch from home
- LSD, haven't brought enough for lunch so may pop to T to get something cheap!
- start planning Aprils budget (should get my bonus letter today so I'll know exactly how much I'm getting )

Xxx

Morning Perni! You just snuck in there!!

brizzledfw

Hi all

Good to 'see' you all. Thanks for starting us off NTBY:j

Today I will:

- look for more items to sell..aim for 10
- start tax return
- Use Ups for lunch and dinner
- have a LSD..will need to take 1 taxi but part from that that should be it from me altho OH will have his regular Monday spends which are all in budget
-try and keep heating low
- washing on 30 and hopefully to dry on line
- hope for a good day from chooks and a good day on the solar panels..it's sunny and clear here at the mo!:)
- plan the offensive for the POAMAYC challenge and work out rest of the years likely big spends..maybe divide into wishes and essentials?

Am sure there will be more so will catch up later too

Have a great day everyone

Brizzle

yorpington

Hi all. Nice weather to start the week off! :j

+ Check banking
+ Post off eBay sales
+ Pay in cheque if it arrives, chase it up if not
+ Chase up refund
+ NSD not counting postage? LSD anyway, might need to buy eggs as I used them up last night making storecupboard cake
+ Rejig meal plan as I have more leftovers than I thought, hooray!

Have a good Monday all

lauradora

morning everyone

Today

• have already started entering comps, will do some more when I get in from bootcamp
• willpay parking ticket early to aviod higher penalty
• get some washing on the line
• get some crocheting info off internet, want to start making a blanket in prepartion for baby H coming

have a good day everyone :beer:

ziggy2407

Good Morning all

NTBY - Thanks for starting us off

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

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 (30.5lb off) - in progress
Read - Done
Quick tidy round - Done
20 mins on Yantra mat -
Washing - Done
Ironing - Done
Try to "sparkle"
Pamper time while OH at work tonight - Done
Comps - Done a few

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

C xx

determined_new_ms

Morning guys thanks for starting us off NTBY! You're life just sounds so busy all of the time!

Perni thanks for your thoughts on the shoes, duly noted. The problem is over the last 2 weeks I have spent £200 more than I should have done from my personal funds and also we have been dipping freely into the hoint account. So anything I can claw back I really should! The shoes I bought are lovely but really are work shoes and really I am after a pair of black flats that I can wear either to work or casually that don't look cheap! So definitely taking them back on my way to work... (sorry for the life story of the search for shoes there!)

Starting work at 1 so determined to make the most out of my morning!

Things to do today:

• [STRIKE]checked banking/cc statements [/STRIKE]- received 67p interest on bank acc! :j
• [STRIKE]return shoes![/STRIKE]
• [STRIKE]leave for work a little early so I can look for flats![/STRIKE] found 3 pairs: 1 in new look for £20 & 2 in Office for £35 :T. Will go in and try them on later in the week as am going for a NSD marathon!
• [STRIKE]NSD[/STRIKE]

[STRIKE]all meals from stores
[/STRIKE]

• [STRIKE]Have run out of coffee but am going to go without until I go shopping at the end of the week and just drink it at work[/STRIKE]
• take meter readings
• [STRIKE]check onepoll[/STRIKE]
• [STRIKE]walk to work[/STRIKE]
• [STRIKE]finish off accounting[/STRIKE] ok have update personal spending diary. That is shocking enough! Will leave the rest for another day...
• [STRIKE]Mrs Flylady[/STRIKE]
• gym and sauna this evening (first time in ages too NTBY )
• [STRIKE]all meals from stores[/STRIKE]
• finish book tonight

ok that's my lot! Have a great day everyone x

anna_d_2

Hi folks, welcome to a new week. Four weeks now since my LBM...no spending on credit. We are struggling but are learning new habits all the time.
Hoping for a NSD today - lunch is with me from home. Have no classes or anything to attend. Dinner will be from the stores (did a decent shop at the weekend so have no excuse).

Have little else planned today - am at work. Washing is on the line but I think it will rain later. Definitely colder than of late but will try and keep the heating off as much as poss when I get home.

Now waiting to hear if I get an interview for a maternity cover secondment in work which would bring in an extra few hundred pounds a month (which I intend to save half off each month).

Although we are living with debt, the nature of DH's work means that it is a feast or famine income wise and it has been a famine lately. We have talked about building up a £3K nest egg/ emergency fund to cover any future famines. I'm due to be paid for my self employed work in the next few weeks and instead of spending it all in a "Yay, I have some money" style, we are buying the essentials and banking the rest in a seperate savings account.

brummygirl25

Hi Guys,

I always check this trhead so though it was about time I posted myself!

1) Check Onepoll/Surveys
2) Stopped at parents last night and Dad made my lunch
3) Dinner from stores tonight
4) Do Tesco online shop to get £5 voucher off next shop
5) Alone tonight without OH so perfect opportunity to sort declutter spare room for ebay/other stuff to sell!
6) Write letter to bank re: transactions, as going to try and claim charges back
7) LSD as only needed £2.10 for train fare to work

Have a great day everyone x

wannabee_in_credit

Morning all,

Sorry I disappeared over the weekend. Doctor upped my migraine medication and it's taking me a while to get used to it. Spent the weekend in a weird, exhausted state but am back at work today so back into the swing of things.
Hope everyone is well - I'll try and catch up properly at some point.
Small list for today...
check bank (not too long till payday thankfully, 11 days)
ring cccs re mistake on my budget - this should increase my payment so dfd should get closer
all meals from stores
ring up diet company re my 'competition win'
nsd - I put £58 liquid gold in the car yesterday so hoping I don't need to do that again this week.
find something non stressful to do after work that doesn't cost much
Have a good one!