Monday 16th April What Small DFW Things Will You Do Today??!

determined_new_ms

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:

Morning! Have been waiting for someone to start us off but realised I had better do it!

Have a big day at work as need to go to court.... Anyway things for the day:

• checked banking & transferred funds into stoozing account - had a mystery payment into my bank, need to work out what it is!
• book carpark & purchase travel ins
• call gp to make appt for vacines
• all meals from stores - fish out of freezer for dinner
• walk to work? Maybe...
• go for a run after work
• maybe go for a sauna tonight
• check onepoll
• do studying in lunch break
• hang washing up on airer

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

carrielovesfanta

Good morning all and thanks to determined new ms for starting us off!

OH's student loan came in on sat so he has passed me the £600 he owes me for his new guitar, so has already been paid off the cc (must update signature!)

I also made a huge batch of lamb soup (made the stock from left over lamb bones and picked over them for all the little bits of meat - very good going!)

And I have nearly finished the crocheted cushion cover, but I ran out of wool.

So today's plan is:

Check online banking (done - all as expected)

Update speadsheets/signature to account for the £600

Make sure I cook sensible dinner tonight

Have brought in food from home for lunch (last of the monster batch of chilli)

Check onepoll

Possibly batch cook something tonight, but am running low on onions etc and cannot really afford to replace. Had to bin some as they had gone off

Well have a good one everybody

wannabee_in_credit

Morning all

Quiet on here this morning. The thread is normally buzzing by now... I'm back at work now after my lovely fortnight off, but have been awol for a couple of days after a massive night out last Thursday followed by a hectic weekend getting ready to come back to work.
Things for today
checked banking (looking poor after my accidental £200 overpayment to nursery and wedding spends this month).
Write evening wedding invites
Finish marking Y11 coursework
Flylady
Washing done and left for OH to hang out
list of jobs for OH to do as he's still off on the sick
speak to my sister re the pair of us getting together to do some exercise for cheap or free
Have a good day everyone.

niksyg

Thanks for starting us off DMS.

Today I have/will -

- PAY OFF BARCLAYS OVERDRAFT IN FULL!! :j:T:j
- Meals from stores - porridge for breakfast, cottage cheese and salad for lunch and egg fried yummyness for dinner.
- Checked online banking and all looks good.
- Aerobics class later this evening (included in gym membership, amazing how much better value membership is than paying for individual classes - the cost of 1 week of clases = 1 month's membership which also includes swimming, gym and saunas!)
- Arranged for OH to get his free 7 day gym pass this week.
- Check listings on ebay and answer questions.
- Print off Music Magpie stuff at work and package up DVDs.
- Book cheapo train ticket to London later in the month.

Umming and aaahhhing over transferring to First Direct...currently with Santander and not really fussed about remaining with them - what to others think??

determined_new_ms

niksyg if you get the £100 for joining I say YES!!!!

Yargo1

Morning all

Checked bank accounts and charging phone at work

Dinner from stores later .... Roast chicken tonight mmmm

Pinkpenguin

Morning all,

Lovely sunny morning here but theres definately a chill in the air. Finding it hard to focus today, i've got that monday Morning Feeling.....

Today I will/have:

• Walk to work
• Breakfast from stores
• Drink LOTS of free Tea and water at work
• Lunch from stores
• Stay in on my lunch break to avoid spending! Call up Thorn's to get my refund
• Walk home from work and pop into Mr T's to get some milk (and mango chutney if its cheap!!)
• Go for a half an hour run
• Day 1 of my cleaning plan - this evening my target is the Bathroom!
• Dinner from stores - Curry using whoopsie! Chicken and Naan Bread :money:
• NSD - Milk coming out of grocery fund

I think thats it for today. Counting down the days until payday now - 11 days to go.....

Have a good day all,

PP xx

brizzledfw

Hi there everyone:hello:

Thanks DNMS for starting us off...good to see mystery payments in (rather than out!)

Nik - I hear FD have better customer service so I wouldn't be loyal to Santand*r and well done re OD:beer:

OK so have not been posting much but am back all guns blazing this week so today I will:

- make PADS and check banking (DONE: OH has had a bigger payment than he expected for freelance work..woo hoo:j:j. So made some really big PADs immediately and an OP to the mortgage too. Will be off to update sigs and make plans later - its such good news after some unexpected bills eg. Tax and laptop repairs..and maybe a new snowboard. he cracked the core of the year old one :mad: and S&R say its irreparable:eek:..I say get a second opinion!)
- order an online delivery from Sainsbugs using the MOC (DONE: used a list but didnt want to pay delivery either so have upped it to £100 including staples)
- update spends spreaddies for last few days..NSD No.6 bagged yesterday so thats good news
- put washing on low and then dry on line
- put a loaf on in BM
- meet OH for a coffee rather than lunch..we need to see more of each other. Bit disconnected at mo:(...lots going on some of which is very stressful so need to work on quality time where we can
- decluttered 4 bags of clothes and shoes to my neice. My sis was very pleased and I was pleased to see them go to a good home! DONE:)
- have promised DC a snack on way home from new (cheaper!) swimming lessons...will keep it under £10 and make a fish pie from stores for proper tea
- chooks doing really well on eggs..neighbours got 6 when we were away and they were looking after the menagerie..they were really pleased. Long may it continue and the broodiness be kept at bay!!
- weather looking good - am hoping to break the £500 barrier on the panels. I have been forecasting £512 min over a full year (ending end June) so if we can get there by mid April I will be very pleased:D. The rest can all go towards the additional money I need to raise on the POAMAYC challenge

Think thats it - have a good day folks

Wannabe01

Good morning everyone, I am a bit late getting started for a Monday morning therefore its just a quick post from me at the moment and I will catch up with other posts tonight. Unfortunately I am unable to have a NSD today, as I need to get road tax for the car, as it is overdue and need to use the car tomorrow.

My list for today:
[STRIKE]Catch up with emails[/STRIKE]
[STRIKE]Daily clicks[/STRIKE]
[STRIKE]Surveys and one poll[/STRIKE]
[STRIKE]Pay some money off loan[/STRIKE] Another £100 paid
[STRIKE]Do work that is in for today[/STRIKE]
[STRIKE]Sort out a birthday present for dm [/STRIKE]Got a few ideas but not too sure so will deal with later in the week.
:)Gardening – sort out the dead plants and pot some of the new seeds Didn't get around to doing this.
:)Course work – English and Biology Didn't get around to doing this.
[STRIKE]Wedding related tasks[/STRIKE]
:)Read some of business book and do some business planning Didn't get around to doing this.
[STRIKE]Get road tax for the car[/STRIKE]
[STRIKE]Collect ds from school[/STRIKE]
[STRIKE]Frozen food shopping armed with a list[/STRIKE] £1.28 over budget:(

I think that is everything that I need to do today. Hope everyone has a good Monday.

Sunshine22_2

Good afternoon all

So I'm back from holiday. Hope you all had lovely MSE weekends.

Today I will:
Washing on (low heat) and on the airer to dry
Clean house from top to bottom (worried it is only the dirt holding it together though)
Send a friend my bank details as she owes me a little money from the w/end
Change foreign currency back to £s
Grocery shopping - make list, stick to it!, use changed money to pay (surprised I had and left over so a little brucie bonus)
Relax and get ready to return to work tomorrow.

Have a good day y'all

S x

carrielovesfanta

niksyg wrote: »

Thanks for starting us off DMS.

Today I have/will -

- PAY OFF BARCLAYS OVERDRAFT IN FULL!! :j:T:j

:beer:

well done!