Monday 14th May - What Small DFW Things Have You Done 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!

After a terrible off the bandwagon weekend (both £££ and lblblb!) I am back with renewed vigour! My OH wants to move out at the end of summer, so need to start building up the house deposit properly, rather than wasting it away...!

So, today I will:
Check banks - move excess to ISA
Check CC - refund?
Pay off credit card with gift fund - bought present for mother in $ so used 0% commission card
List 2 things on Ebay
Do some exercise
Do some OU
Drive economically
NSD
Food from stores
2lt water
SB Clicks
Print off car insurance quote to try and beat down existing supplier
Work hard!

Think that's me for now, will check back in later!
Kxx

Sunshine22_2

Morning all

Thanks KJP for starting us off

I fell off the wagon with a massive bump this weekend, had an excellent dinner out for a fiver with a friend on Fri, but in an emergency birthday card panic spent £7 on two cards!! And about £15 on feeding the 2 of us over the weekend. So, attempting to get back on it!!

* Breakfast and Dinner from stores
* Lunch from work, will seek out something cheap and filling
* Trip to Mr T later, list ready, will not deviate!!
* Washing on the line later, hopefully will be sunny enough it can go outside!!

Trying to negotiate some overtime at work, 15 hours was offered to my team but none of the part time staff were able to do it. I said I'd have it and come in on either the weekend or stay late each day for a few weeks but they said they could only give it to a part timer!! It's not like excess hours cost them more to pay! Argh!

Right better get to work before I'm late!!

Have a good day all

S x

Candy0107

Morning All

Thanks to kjp for starting the tread

Hi to newbies and hugs to those who need them !

First of 2 days study leave……I’m really enjoying doing my AAT course! Roll on year 2 ! Plan for today – practice assessments and write up points to remember ….while I am waiting to go into the exam I’ll read the notes and somehow they’ll get into my head !

Today I have/will:
• Meals from stores
• Log food on ww website
• Checked bank – no change
• Keep an eye out for jobs I can apply for
• Checked quidco
• Checked survey sites
• NSD
• Watched films and bits on the sky box
• Washing on 30 degrees & dry indoors
• Jumper on rather than heating on
• Saved myself about £15 by not going to work :money:


Think that’s about it for me

Take care everyone
Candy xxx

925pws

Morning everyone

Feeling a little down today. No doubt reading through MSE will cheer me up though!

Today I will

Check bank account
Post sold items from ebay
Lunch free (another blooming meeting!)
Travel free (can reclaim on expenses due to meeting)
Dinner from stores
Aiming for a no spend day

That's all today. A duvet day would have been ideal.

Barbeduk

Hi all, thanks Kjp for starting us off.

It's back to rain here today. Got a strange day, got to go to work for an hour later to cover to lunch break so going to fit in a big tidy up and dog walk before then.

Today:

NSD. If I declare it now I'll stick to it!
PAD
meals from stores
packed lunches all round

Think that's it, have a good day all.

ziggy2407

Good Morning All

Brilliant sunshine here at the moment but a little bit chilly although rain has been forecast. Not a great deal to do today as had a really productive weekend so may make a start clearing lounge ready for decorating (we already have everything bought so just need to get on with it).

Hi to all the regulars and welcome to all the newbies.

kjp - Thanks for starting us off

Today I will:

Check Banks - Done (still tight, no mystery deposits from the fairies)
Check swapits - Done
Collect OH's Prescription - Done
Work (11.30 - 1.30) - Done
Keep up to date with surveys - Done
Keep on top of emails - Done
Quick tidy round - Done
Sort stuff to sell - Trying
More de-cluttering -Done
Update food tracker (35.5lb off) - in progress
Read -
Comps - Done
Meals from stores - Done
Filing & Shredding - Maybe tomorrow

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

C xx

Ladybird.

Happy Monday everyone!

Nice and sunny so far here with a strong breeze so I'm...

• Getting lots of washes done, first lot on the line already
• All food from stores
• Try and get a few new eBay listings up this evening
• Update Gumtree
• NSD
• All food from stores, plenty in
• Hopefully update spreadsheets if CC statements arrive in post today
• Usual Swagbucks efforts, I'm well into the swing of it now, just claimed my second Amazon voucher!

cally6008

Dad's fine, waiting to come home now - phew

Just managing to do Superpoints this morning
I might get Swagbucks, Gifthulk and Zoombucks done at some point in the day

little_pink_purse

Afternoon

rain and wind here so no washing out grr

well thats my study done and passed so iam well pleased
iam hoping for day 2 of the nsd
meals from stores
wash on
check bank
work alittle 4hr shift
pick mum and dad up
chill at nite xxx
send ebay sales

have a great day xxx

925pws

Hi Little Pink Purse

I'm just looking at your signature - wow! That takes some motivation to pay that amount of debt off. I'm close to your figure - how did you cope going through this since 2009?

I've only started on this long journey!

katy_ann

Afternoon all Hope you are all well, today I will

- Check online banks
- Work 9-1 - Done
- Washing and hang out to dry - Not happening today, to wet!
- Do surveys and catch up
- List 2 things on ebay