Thursday 17th May 2012 What small DFW things will you do today????

Karb

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 everyone. Am I the first?

Have a job interview today. Not really a job that I especially want, but it's a job. Its one of those all day assessment centre things, so I expect I'll be drained by the time I finish!

Out with friends for a curry tonight so not especially MSE. It's a bring your own drink type of place though, so I'll save a few pennies there.

Total surprise when I got home last night, my stepmother had sent me a cheque towards taking my boys on holiday. Was struggling to see how i could afford it until then. I really need a holiday, but the finances are very tight. We haven't always seen eye to eye over the years, but every now and then she does something to remind me that she is human after all :rotfl:

Have a great MSE day everyone

katy_ann

Morning! That was nice of your stepmum to send a cheque for a holiday!

Today I will
- Check online banks and see if PP money has gone in - Yup done!
- Work 1.30 - 5.30
- Washing done and hang out - Done!
- Go to co-op and look for orange labels!

Have a lovely day all! x

carrielovesfanta

Morning all,

Thanks to karb for starting us off.

Am feeling like death today. Not sure how much more overtime my brain will take!

Todays list:

Exist

Charge phone in work

Transfer money from ISA to pay for hen do at the weekend:beer:

Dinner from stores, lunch sort of from home but forgot to defrost bread so only have mini cheddars

generally stress (it's free :money:)

try not to send internal emails to clients by accident today as per yesterday :eek:

Hope everyone feeling perkier than me!!

determined_new_ms

hey Karb! Thanks for starting us off - I think its the first you've started us in all these years! Good luck with the interview, will be thinking of u! And wow, what a lovely thing for your SM to do x

My things for the day (my life has been so hectic these last few weeks its been so hard to stay on top of anything! But now looks like things will start to calm down and I can get back to my life being peacceful with lots of me time :T)

• [STRIKE]checked banking[/STRIKE]
• [STRIKE]transferred loan to my brother[/STRIKE]
• breakfast & dinner from stores
• brother cooking dinner & I have given him some £ towards items/for ice cream
• check onepoll
• [STRIKE]purchase travel ins[/STRIKE]
• write & send off letter at lunchtime
• go for a run after work
• [STRIKE]sent off ISA paperwork[/STRIKE]

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

magni

Morning all:D

Karb, good luck with your assessment centre:) What a lovely thing for your step mother to do.

Today I'm very tired after 3 busy shifts so my list for today is

- check banks
- dinner from stores
- go to Sainsburys and use 2 x £3 off £20 spend vouchers (I'll go in twice:money:)
- go back to bed for a few hours more sleep for my nightshift tonight
- overtime nightshift tonight:beer:
- really need to put a wash on but sooooo tired. Will see how I feel after more zzzzzzz

Have a great day xx

Barbeduk

Hi all, thanks Karb for starting us off. Good luck with the interview.:)

Carrielovesfanta, wow, just looked at your sig and you've paid loads off. Hope you are making time to relax with all the overtime, even if it's just the odd 10 mins.

Today is starting off un MSE as I'm meeting a friend for coffee, then going into town for some new shoes. My second shopping trip this year!!

But will also:

• Check accounts
• Make Cake as everyone needs packed lunches tomorrow
• Meals from stores.
• Park in cheap car park in town and only stay an hour (no browsing = no temptation).
• Give upstairs a good Hoover.

Have a good day everyone.:D

Wannabe01

Good morning everyone
Karb – Thanks for starting us off today.

My list for today:
[STRIKE]Quick shower[/STRIKE]
[STRIKE]Catch up with emails[/STRIKE]
:)Phone dm
:)All meals from stores
:)If it dries up take dd for a walk and collect ds from school
:)Collect up washing and do any loads
:)Organise diary
:)Do work that is in for today
:)Studying
:)Finish filling in council tax form and make appointment
:)Wedding related tasks
:)Chase up missing payment from client
:)NSD
I think that is everything for today. Hope everyone has a good Thursday

ziggy2407

Good Morning All

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

Karb - Thanks for starting us off and GOOD LUCK with the Interview, also enjoy your night out. That was a really nice gesture from your SM, sounds a bit like the relationship I have with my step children.

Today I will:

Check Banks - Done
Check swapits - Done, now ready for posting
Work (11.30 - 1.30) - Done
Keep up to date with surveys -
Keep on top of emails -
Quick tidy round -
Sort & photograph stuff to sell -
More de-cluttering -
Update food tracker (35.5lb off) - in progress
W W weigh-in (depends how I feel) - Stayed the same, which I'm pleased with as feeling SO rough at min
Read -
Comps -
Meals from stores -
Filing & Shredding -

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

C xx

kjp

Morning all! (just!)

Thanks Karb for starting the thread & GOOD LUCK! with the interview!

Today I will:
Check banks
Check CC – refund now applied (1 of 2) – still looks horrific!
Check TCB
Check Ebay – think things are about to start ending…
Update MS Money
NSD apart from fuel
Food from stores
Drive economically – got an extra 70 miles out of my tank this week, not bad, and much less stressed!
Day 3 of Shred – typical that I always get up late when I need to wash my hair and get fuel on the way to work, didn’t have time this morning!
2lts water
Work hard – off tomorrow!

Think that’s me for the day, have a great one all!
Kxx

masonsmum

Hi everyone, Im new to this so today I

Done my SOA, need to seriously cut my spending
Called Scottish Power as they have upped our DD to £128 managed to get on a new tarrif and now down to £95.00
Brought lunch from home
Will go straight home after work instead of going to supermarket
Contemplating calling Sky to cut off my TV package

Have a good day folks.

carrielovesfanta

Barbeduk - thank you that means a lot. It does often feel like an uphill struggle but I am getting there slowly. I am hoping to hit 50% gone next month :j