Wednesday 23rd May - 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.

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! :T


Morning everyone. Got so much done yesterday by working from home; both work stuff and home stuff by cutting out the commute. Did 4 loads of washing, including all the beds, and all the covers off the settee.
Also booked a couple of weekends camping with the boys in and around the Peak District. Not exactly MSE, but not expensive either.

Today is forecast to be even hotter than yesterday. I'm back in the office today, but I'm not really a hot weather person, so thats ok.

Today I have/will
Made sandwiches to take to work
Showered using free toiletries obtained from hotels
Check online banking
Charge phones on train
Free papers on train
NSD
Hoover the car ready for it's MOT next week. Every year I have this stupid idea, that if it looks well maintained and cared for, they might not be so thorough at checking for every little fault. It's never seemed to have worked yet, but it may do one day. :rotfl:

Have a great day everyone

determined_new_ms

morning Karb :wave: thanks for starting us off!

yay :j ony 8 more working days till I'm on holiday for 18 days :T (can u tell I'm excited??!)

things for today:

• check banking x2
• check ccs
• onepoll
• read martin's email
• quick shower, tying hair up instead of washing!
• breakfast & dinner from stores
• eating lunch out so will be frugal!
• transfer savings into account (payday later today)

ok that's it for me!

ziggy2407

Good Morning All

Karb - Thanks for starting us off
DNMS - Hi :wave:, where are you off to?

Quiet day, but aiming to enjoy the sunshine too

Check Banks - Done (v tight again)
Check swapits - Done
Ironing - Done
Work (11.30-1.30) - Done
Keep up to date with surveys -
Keep on top of emails -
Quick tidy round - Done
Update food tracker (34lb off) - in progress
WW wiegh-in - 1 1/2 ON - GUTTED!
Meals from stores - Done
Email friends/ex-colleagues about items for sale - Few bits sold

Have a great day everyone, love you all.

C xx

Barbeduk

Morning everyone, it is a gorgeous day here in Devon. For once I was happy to be in the park with the dog at 6.30am.

Today I am working from home (can you tell!) so am about to make a pot of coffee and knuckle down.

So today I will/have:

• Washing on, another load waiting.
• Sent everyone off with their packed lunches.
• DH working an extra day for the competition as it is quiet at our business.
• Got dentist later which means a spend.:(
• Need to make something cakey for the rest of the weeks lunches.
• Have offered to do a friend's ebaying for her, she is going to pay me in wine!!:beer:
• Must check bank account to see if mortgage has come out.

Have a lovely day everyone.:D

determined_new_ms

ziggy2407 wrote: »

DNMS - Hi :wave:, where are you off to?

x
we're off to Thailand :j

little_pink_purse

Afternoon

we it hot hot here
2 washes on 3 to go
meals from stores
sadly a little shopping needed grr

todo list today
washing
ironing
mop floors
ebay/amazon
check accounts
15 days til payday lol xxx

have a great day

Wannabe01

Good afternoon everyone, Just a quick post from me today as rushing around today;

My plans for today:
:)All meals from stores
:)Clean and hoover the house
:)Take dd for a walk and go to the school summer festival
:)Wedding related tasks
:)Hang washing outside
:)Go and pick up dm
:)Finish study plans and do some course work
:)Do some of the ironing pile
Surveys and One poll
Check for freebies

I think that is everything for today. Hope everyone has a good Wednesday.

princess_pea

Hello everyone. I'm still on a high from passing my driving theory test on Monday (just have practical to worry about now, and at £62 a pop I hope I pass 1st time!)

Things to do today...

All food from stores
Put theory test dvd and a couple of other bits on Ebay
Work hard!
NSD
Take the dog for a long walk this evening to enjoy the sunshine and get some free exercise

Hope everyone has a great day enjoying this lovely weather :cool:

Barbeduk

Barbeduk wrote: »

Morning everyone, it is a gorgeous day here in Devon. For once I was happy to be in the park with the dog at 6.30am.

Today I am working from home (can you tell!) so am about to make a pot of coffee and knuckle down.

So today I will/have:

• Washing on, another load waiting.
• Sent everyone off with their packed lunches.
• DH working an extra day for the competition as it is quiet at our business.
• Got dentist later which means a spend.:(
• Need to make something cakey for the rest of the weeks lunches.
• Have offered to do a friend's ebaying for her, she is going to pay me in wine!!:beer:
• Must check bank account to see if mortgage has come out.

Have a lovely day everyone.:D

Just an update. All paperwork done. So quick when you're away from phones and customers!!

Dentist: need just under £400 worth of work :eek::eek:. Oh well, next appointment's not til mid june so will start saving!!

Read Martin's e-mail and have changed energy supplier which should save £96 a year plus £50 cash back.

DNMS, us jealous?
Princess_pea:j:j well done! :j:j

Candy0107

Hi All,

Sorry Ive been AWOL - been stupidly busy but have been lurking.

Having one of those days today so kept my head down in the hope of getting through the day.

Today I have/will:

• Meals from stores (yay, first time this week)
• Used rail pass to get to work
• Loaded rail pass money onto AA prepaid card = points towards AA cover (we have AA cover because we cant afford anything major to go wrong on car and this way its covered)
• Sat at college looking on the net for a job (long story but didnt even get an interview for a role down the road and the only other call I had was about a role moving from Salisbury - Hometown but it could take a year for them to move and its an extra 10 miles each way 40 miles each way rather than current job which is 30 miles)
• Checked banking and moved pennies to AAT fund
• Walked to college feeling very negative but by the time I got to college felt a bit more positive....will bide my time at work as I am in no real rush to change jobs.......let them pay for college course and books (I will have to pay back a % of study)
• charged mobile at work
• Had an NSD (first one this week)
• Refilled bottle of water rather than buy a bottle
• Cut down on coffee (water instead)

Think that's it for today.....I'm off to learn about Sage Computerised Accounting package

Candy xxx

Sunshine22_2

Hi all

Karb - Thanks for starting
DNMS - Green with envy, have an amazing time in Thailan
Candy - I'm a Salisbury born girl too!!
Princess Pea - Congrats!

A bit late on today, manic at work as payroll cut off (thought we should make sure all the staff got paid!!)

Today I have:
* No spend day
* All meals from stores
* Asked the OH to ring me as he has free calls (going to start implementing this long time)
* Arranged for dinner with OH tomorrow and Mum on Fri so a few free meals hehe!
* Checked banks
* Made payment to CC (I can never commit to paying it on payday, save it in savings until the email for payment comes through - I might be a commitment-phobe!!)
* Washing done, on the line in the sunshine

Due to the health thing I've decided not to commit to my Masters degree for this academic year. Probably best (I hope) as will be going through treatment and being MSE means I can save up and pay it rather than chucking it on another 0% card. Going to talk to work next week when the boss will be calmer and see if they will fund a couple of day courses to keep my portfolio ticking.

Hope everyone's well and loving the sun

S x