Wednesday 16th May 2012 What small DFW things will you do today????

Candy0107

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. :money:

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 :T

Examples could be charging your phone up at work instead of at home to save your electricity, hanging washing out instead of using the tumble dryer or leaving your purse/wallet at home to avoid the risk of spending. :j

So be proud of those small steps, they really are important.

Morning Folks

Thought I’d start us off today as I’m on my last day of “study leave” so had to get back into the routine of waking up early

A bit of drama last night – a good friend Henry died……he’s was happily working one minute then boom, he was dead, he’d been part of our family for 10+ years !!!! Mum’s gutted, she was mid tidying up ! Will have to get a replacement from Sainsburys….Henry was a good vacuum cleaner !

Exam day today so a bit nervous but will see how I get on – luckily, the exam is online so I should get the result about an hour after I finish the exam

Today I have/will do:
• Breakfast and lunch from stores
• Will walk to and from the college – good for body, mind and bank balance
• Will take a flask of coffee to the college as I plan to have about 2 hours of cramming before the exam
• Supposed to be going to the college restaurant with a couple of people but not too sure of the cost/menu so may cancel
• Keep an eye out for any jobs – went to see an agency yesterday who confirmed the average salaries for hometown and applied for a job a 10 minute walk from me
• Make breakfast, lunch and dinner for work tomorrow
• Work on anniversary bits n bobs
• Move any pennies to change pot
• Pay money into a/c and move to pre-paid card
• Buy travel pass for tomorrow

Umm, think that’s about it.

Take care everyone and have a fab day
Candy xxx

kjp

Morning all!

Huge good luck Candy - you will be fine! Which exam are you taking today?

Today I will:
Check banks
Check CC - refund?!
Check ISA all happy
Check Ebay
NSD
Food from stores
2lt water
Work hard!!!!
SB clicks
Day 2 of 30 day Shred
Bit of OU maybe?
Flat pack box so it will go in recycling bag rather than having to cart it up to bins!
Read newsletter!

That's it for me - not much today!

Kxx

Sunshine22_2

Morning all

Thanks Candy for starting us off! Good Luck with the exam!!

Another sunny day here, that's two so far this month!! Might get used to this weather!

Today:
* Check banks - done, £7.37 from q*co that was earned at xmas!!
* Get parking permit for work so don't have to pay to park on the Jubilee (normally use P&R but aren't running) - Else I'll forget and have to pay £14.50!!!!!
* Washing on, not sure where I'm gonna hang it yet! Hopefully the stuff currently on the airer will dry by the time I get home
* Will have to finally go to Mr T's tonight, OH over so he will no doubt be expecting dinner
* Cuppa Soup in bag for work (cupboards a bit bare)
* Drive economically!
* Try to resist the urge to each vast amounts of chocolate at work!!
* Stop counting the days til payday (I get excited when I make more debt payments..... does that make me a bit of a nerd?!)

Have a good one all

S x

Candy0107

Hi,

Its the Basic Accounting 2 for AAT Level 2 - it should be fine, I've written down 'points to remember' to read before I go in.

Fingers crossed for 11am !

Candy xxx

pixiechick99

Good morning:D
I'm another one creepaing back into the room...I've been awol:o

I thought I had to post as Jonno kindly asked after me yesterday - thank you for remembering:T I have been reading...then saw DNMS and La E reappear yesterday so here I am too:rotfl:

I have been pretty MSE in my absence - though the unexpected moving house cost me £1700 upfront in rent/deposit, both daughters have birthdays in May and car just had its MOT - though luckily it just needed £25 spent on it to pass...phew;)

I don't start work til 11 today, so will get showered once girls gone to school. Here's my list for the day:

• check banking
• check onepoll
• Glamour daily comp
• packed lunch for myself and dd2
• walk to work - going to go for a no-drive day;)
• post evidence of NCB to new car insurer
• washing on quickwash and get on the line
• meal from plan tonight - chicken with paprika bag sauce thing:p
• take chicken out of freezer
• possibly cut grass before I start work
• NSD:D

Right thats enough for me for one day.

:wave: to you all - have a great day!

bt1

Morning everyone!

I'm late for work again! Really need to be more organised!

Good luck candy- fingers crossed for u!

Ok, small things:
- check bank
- check cc's
- PAD £2 to savings for payment to cc on Friday
- lunch from home
- 2l of water
- Got an exam question to do for homework so going to stay in at lunch and look for that!
- study tonight as soon as I get home- no distractions!!

X

slowlyfading

Good luck with your exam Candy!

Today I:
- will check online banking
- have bought leftovers for my lunch
- drove ecconomically to work
- have a NSD
- have HM pea and bacon risotto for tea all from store cupboard/freezer stores

Have a good day everyone! :hello:

ziggy2407

Good Morning All

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

Candy - Thanks for starting us off and GOOD LCK with the exam
Pixie - yaay, have missed you, are you all settled now in your new home?

Today I will:

Check Banks - Done (still v tight)
Check swapits - Done
Wait for buyer to collect table & chairs - Sorted (now £35 better off)
Post Office (post "craft stamps" sold) - Done (£27.30 profit, all came free with various magazines)
Collect Dry Cleaning - Done
"Bits" from Supermarket (LSD) - Done
Work (11.30 - 1.30) - Done
Docs at 4pm (finally got an appointment, which is great cos Im feeling rough again today) - Done & finally home, now on steroids
Keep up to date with surveys -
Keep on top of emails - Done
Quick tidy round - Done
Sort stuff to sell - Look for more
More de-cluttering -
Update food tracker (35.5lb off) - in progress
W W weigh-in (depends how I feel) - Feeling rough, will get OH to take me for a weigh-in in morning
Read -
Comps -
Meals from stores - Done
Filing & Shredding -

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

C xx

mr2jay

Like this idea

1. Check Bank (£11.50 Quidco payment gone in today - free money!!!)
2. Check Snowball Calculator to confirm debt free plan will work - (which it does)
3. Devise plan to build £2500 to clear overdraft - (Spare savings account to squirrel things away into which will do nicely)
4. Work out shopping list for next week including meal plan

Think that is it as far as working towards debt free today - other than working to bring in the pennies to actually pay for this

determined_new_ms

Hi everyone :wave: thanks for starting us off Candy & good luck with the exam

Pixie - lovely to have you back young lady! So the house move went well? Have been looking out for you for an update, obviously you haven't been about as you've been busy!

Starting late this morning as I have an appt which is near to my house at 9.30, few minutes to do this and then I'll be off!

Today:

• all meals from stores
• check banking
• NSD
• write letter
• book travel ins
• help brother move
• book in family mea with fam for tomorrow
• check onepoll
• work hard!
• spend some qt with oh

ok think that's it! If I can get that lot done I will be very happy have a good day y'all x

pixiechick99

ziggy2407 wrote: »

Pixie - yaay, have missed you, are you all settled now in your new home?

determined_new_ms wrote: »

Pixie - lovely to have you back young lady! So the house move went well? Have been looking out for you for an update, obviously you haven't been about as you've been busy!

I haven't moved yet!!!:rotfl:
3 weeks today i get the keys and we will move out of this house the day after. I then have a weekend to scrub and clean this house so I get all my deposit back:)

I've started packing but I just don't know what to do next. So much to do in 3 weeks on my little ownsome...the stress:o:o