Wednesday 28th March - What Small DFW Things Will You Do Today??!!

kjp

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!

Need to get to work early today so figured I'd start us off!

Today I will:
Check banks
Check CCs - see if payments cleared!
Check TCB
Transfer money owed to friend
Update MS Money
Buy birthday present for friend
LSD - other than above (budgeted), 'need' to buy lunch at work today, but will go for cheapest option!
Drive economically
Read the newsletter!
Pop to Mr T's on the way to work to buy cheap radio for office - avoid doughnuts!
Log calories using free tracker
Some form of exercise tonight, either bike or cross trainer

Think that's my lot, have a great one everyone!
Kxx

bt1

Morning kjp! Thanks for starting!

I woke up early but thought it would be a good idea to go back to bed! It wasn't. Now I'm late!!!

Payday today! Got my bonus so I'm going to pay off a WHOLE credit card this week!

List for today:

- check bank
- round down and move to savings
- PAD
- lunch with work today.. Payday treat and will use taste card!
- drink lots of water
- LSD - nothing apart from above!
- study tonight
- staying at BFs for rest of the week so need to pack when I get home!

Have a good day everyone!

determined_new_ms

morning guys :wave: thanks for starting us of kjp :T excellent news re the cc bt1! :beer:

ahhhhhhh another lovely day round here :T

things for the day:

• [STRIKE]check banking & cc statements[/STRIKE] yippee received my £100 from First Direct for leaving :beer:
• [STRIKE]all meals from stores[/STRIKE]
• [STRIKE]mash out of the freezer for cottage pie tonight[/STRIKE]
• [STRIKE]Meeting up with a friend for lunch. I've suggested a picnic in the park to keep it free [/STRIKE]
• [STRIKE]going to a free lecture tonight. Will take a flask of drink to have while there [/STRIKE] ha ha felt very self righteous with my flask of latte with oh sitting there with a pint :rotfl:
• check onepoll
• [STRIKE]walk to work[/STRIKE]
• [STRIKE]NSD[/STRIKE]
• [STRIKE]post ebay sales[/STRIKE]
• make some yogurt
• maybe go for a sauna? Depends if dd is coming round for dinner

• [STRIKE]read martin's email[/STRIKE] entered the comp for hol to St Lucia

ok think that's my lot. Better get a move on as don't want to be late!

euronorris

Morning Peeps!

Thanks kjp for starting the thread!

OK, my list for today is:

- Bring in own lunch (I went for egg salad and cucumber sandwiches with a yoghurt & some fruit today!)
- Bring the cucumber home as they are cleaning the fridges at work on Friday morning, and I'll forget otherwise!
- Eat the extra apple I have at the office (it was my mid afternoon snack for yesterday, but I was busy and forgot to eat it!)
- Order a Birthday card for brother (1st April is the day) on Moonpig (too late to send anything from here)
- OH is cleaning/wiping the old laptop for me today!
- Post other items on Ebay
- Prepare lunch for tomorrow (veg soup)
- Have a nice home made meal for dinner (from stores)
- Do some clothes washing
- Do some dish washing
- Put clean clothes away
- Hoover the rugs in living room and in kitchen
- Sweep floors
- Dig out the hayfever tablets, as it seems to have started already
- NSD!!! (I have nothing to buy, and have so far resisted the temptation to get a diet coke - it's worse than giving up fags!)
- As with Bt1, aim to drink lots of water (instead of nasty, evil diet coke)

OK, I think that's enough for today. I hope everyone is well, and has a chance to enjoy this beautiful weather!

x

ETA: Congrats Bt1 on your bonus and for clearing a CC! It feels awesome when you're able to do that! Enjoy it and use it as motivation to keep going

euronorris

Also - need to get new passport sorted before July! So, today's task is - looking into how, where & costs.

Card for brother's B'day has been ordered! So, not really a NSD, but LSD. And.....it was budgeted for, and came in under budget!

ziggy2407

Good Morning all

kjp - Thanks for starting us off
bt1 - Well done on the Bonus and yippee for paying off a CC
euronorris - welcome to the gang, it reall is fab here

Orangefairy, Pixie and all the gang where are you? We miss you

Sorry I didnt get back to update yesterday but did manage most of my list. Gorgeous here again today so just "Ground Force" for some major inspiration. I have no washing or ironing to do so today I plan to take it easy and try: (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 -
Upload pics taken of babies - struggling with OH's new camera but I will persevere
Update food tracker (31lb off) - in progress
WW weigh-in tonight - Another 1/2 off
Read Library Book - Done
Quick tidy round - Done
20 mins on Yantra mat -
Comps -
Filing & Shredding - Done
Bake apple pie & sponge buns - Sponge cake done
Knitting (?)
Ponder why my psoriasis has flared up
Pamper feet - off to do now before bed
Investigate new net and safety bits for LO's trampoline -Done (bought thro cashback site)
Email Debenhams about cutlery I bought 10 March and that is now going rusty - Need to go into shop
Ring Tax Credits - Try again tomorrow

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

C xx

pixiechick99

ziggy2407 wrote: »

Good Morning all


Orangefairy, Pixie and all the gang where are you? We miss you

Lurking....:rotfl: (in a non-creepy way;))
Thank you for missing me!

Wannabe01

Good morning, yet another lovely day here, just hope it stays like this.
kjp – Thanks for starting us off this morning.

My list for today:
[STRIKE]Quick shower rather than a bath[/STRIKE] – save money and time
[STRIKE]Catch up with emails[/STRIKE]
[STRIKE]Surveys and check one poll[/STRIKE]
[STRIKE]Daily clicks[/STRIKE]
[STRIKE]Work (doing a split shift today 9-1 and 5-7)[/STRIKE][STRIKE]All meals from stores[/STRIKE] success on this today.
[STRIKE]Do volunteer work[/STRIKE]
[STRIKE]Do freelance work that is in for today[/STRIKE]
[STRIKE]Repot the spring onions and water plants[/STRIKE]
[STRIKE]Pick ds up from his mates[/STRIKE]
[STRIKE]Check for shopping work[/STRIKE] it has been very quite recently.
[STRIKE]Wedding related tasks[/STRIKE] I think things are starting to slot into place going to book and discuss the venue tomorrow night.
:)Studying
[STRIKE]Look into freelance jobs[/STRIKE]
[STRIKE]Raise invoices that are due[/STRIKE]

missrlr

Morning, sorry been absent but life has been madness verging to full on lunacy here.

Managed to give myself a proper _pale_ moment by duplicating a debit to go out of the account next week and then panicking as to how I would find the money to cope and how I managed to miscalculate that badly. :rotfl:

Here we go, I will:
check bank accounts
charge phones at work
free lunch from work
get paid to drive car back home (work has to be done on way)
activate new credit card
have to fill up with fuel so not NSD but planned LSD

Feeling smug as had major sort out and filing session after rectifying the spreadsheet error and study is now very clean (well if you ignore the HUGE pile of ironing that is growing in the corner):(

PurpleFairy26

Morning all. Been AWOL again! But like Pixie have been lurking

List for today:
Free brekkie in the big smoke after work night out last night. They paid last night and for hotel and breakfast. :j
Took toiletries and complimentary kitkat chunky from hotel room:D
Work on train, charge phone and laptop on train
Payday so move money in to various pots and uPdate spreadsheet.
Food delivery later, used free slot, stuck to meal plan
Food from stores for tea
Washing on when I get home, dry In the sun
Update weight loss app
Quality time with OH tonight
Read martins e mail
Order dads present, see if I can use my nectar points

Think that's all. Have a great day everyone

yorpington

Hi all! Great news bt1!

+ Checked banking
+ Moved bits of money around
+ Spoke to insurance and they confirmed our claim is approved. So relieved! :j I do have to find the money to cover the excess, of course.
+ Trying the mega mince batch bake recipe today! I'm excited :T
+ Going to the cinema later (free! unless I buy a snack )
+ Trying really hard for a NSD. Doing lots of housework to take my mind off spending money :rotfl:

I'm loving the EEBA app for iPhone someone mentioned on here. If you budget with envelopes it's fab for tracking spends!