Wednesday 20th June 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 guys :wave: thanks for the warm welcome back NTBY I will give the low down on my hol but so busy at the moment! Something very big is happening in my life at the moment my dd is moving home with us! So since we have returned that is taking up all of my time - decorating her room, getting furniture and spending time with her. It seems that she's ready to receive some help so hopefully it will be a good experience for us all and she really needs her family...

Things to do today:

• [STRIKE]check banking[/STRIKE]
• [STRIKE]return library books[/STRIKE]
• [STRIKE]all meals from stores[/STRIKE]
• stick to diet so far so good....
• going to look at a wardrobe tonight - hopefully will be able to haggle the price down!
• do oil, air & water checks on car
• get petrol at cheapest place
• go to the gym

• [STRIKE]sort out isa fiasco[/STRIKE] yay the co ck up has been reversed :T
• call tesco & swap vouchers for rewards

ok think that's me! Have a great day, I'd better get ready! x

faceuptoit

Morning all!

have breakfast from my bran flakes and banana already at work
packed lunch at work
update spend spreadsheet
NSD!
phone up american express and get them to remove £12 late payment fee (incorrectly charged!) - done!
really focus at work today
run home

Have a cheap day everyone

carrielovesfanta

Good morning! :wave:

It seems I'm an early bird today! Thanks to DNMS for starting us off. That is exciting news for you about your DD.

Feeling fairly positive today. Just got work to do but it's less than a week until payday and I'm off work to attend a wedding on Friday _party_ (although I am a bit nervous because it means driving to Leeds and I get a bit frightenend on the motorway )

Today's list:

Check online banking

Charge phone in work

Breakfast, lunch and dinner from stores

Go to Asda as OH didn't yesterday

Walk home (good for diet)

Stick to diet (with you on this one DNMS! I was quite good yesterday)

Little bit of overtime

Check the bike I am bidding on on ebay. It will be good for me to cycle to work instead of making OH drop me off. Although it forces him to get out of bed which is a good thing

Anyhoo, have a good day all

natlie

Hi
thanks DNMS

Its sports day today so morning off to watch DD2

Washing is on the line
dishes done
going to try for a NSD
making lunch for work
might go to aqua-aerobics later (part of gym membership)

Nat

magni

Morning all:D

DNMS That's great news about your daughter.

Today I am feeling quite pleased with myself as I got my PPI complaint upheld with Egg. So I will have a cheque winging it's way to me very soon:T

Today I have/will

- check banks (done)
- wash on (done)
- meals from stores
- packed lunches for kids (done)
- sleep as was working last night
- NSD

That's it for now. Have a lovely day y'all:)

La_escocesa

Hi

• Walked to/from work
• Free cuppa in work; not at home
• HM sandwiches for lunch
• Continuing with the surveys I'm doing and thinking about the extra £37 I should make from them
• Off to Wilkos with MOC for essentials and no non-essentials
• Using voucher for 80p mag to read at the weekend when I'm home alone on Sat night :cool:
• Reading library books
• Thinking positively! (OH has a second-round job interview tomorrow…)
• Smiling!

Big love everyone

DNMS - I hope it all works out with your DD - how exciting! Holiday pics look fab btw! I'm so happy for you and your debt-freeness!!

OrangeFairy

Morning all

A gorgeous sunny day here. DNMS- thanks for starting us off and good luck with your DD. I know you have had a rollercoaster ride with her so i hope this is a fresh new start and that things go great!

My day

30 mins exercise - not sure what yet
[STRIKE]Lunch from stores - philly bagel[/STRIKE]
Do a ins quote with Mr T for 250 points
Write to DD's trust fund accounts to change my address
Ring hospital to chase up DD2's appt
[STRIKE]Declutter the kitchen and bathroom[/STRIKE]
[STRIKE]Housework[/STRIKE]
Dinner from store - jacket potatoes
Look at starting to sell bits and bobs again
Start surveys again
[STRIKE]check banking[/STRIKE]
[STRIKE]check jobsites[/STRIKE]
upload cv
[STRIKE]Bake a loaf of bread[/STRIKE]
[STRIKE]Post cartridges to Mr T[/STRIKE]
Put ourselves back on the shared ownership lists

Thats my lovely day at home. I will make sure i have lunch in the garden so i see the sun for at least 10 mins today! x

Nottoobadyet

omg DNMS how exciting!! Really hope this is the start of a super positive part of her life will still be expecting those hol stories though, you're not off the hook :P

Great to see you again, La E!

I had a job interview yesterday by phone, which I think went really well. Still need to decide if I actually want to relocate (I LOVE Kampala but really want the humanitarian experience before Im too old and settled, salary would be nearly double what I make now though Juba is much more expensive than Kampala, I love my current employer but suspect that the end of my contract in 9 months or so will be a political poo-storm), and I contacted a recruiter a while ago on a whim and hes actually come back with loads of good options in Kenya and elsewhere, two of which Im interviewing for on Thursday. Decisions decisions!

Anywho, back to the here and now.

- bike everywhere i need to go
- hand off makeup my friend had me buy so she can pay me back
- meet friends at local happy hour, dirt cheap vino!
- leftovers for tea if we dont end up having a drunken pizza
- send recruiter a writing sample
- probably stumble home and watch the wire, just got the third season in!

Hugs to all.

Wannabe01

Good morning everyone. It is a lovely sunny day here today.
DNMS – Thanks for starting us off

My list for today:
[STRIKE]Try and sort things out with dh[/STRIKE] Think peace is restored
:)Order tickets for tomorrow night Will need to get ink for my printer so that I can print the confirmation.
[STRIKE]Contact Tesco regarding complaint.[/STRIKE] Got clothes for dd last week, she has worn them once and all the print has come off in the washing machine (washed as stated on label) I need to package them up and return marked faulty.
[STRIKE]Check emails and deal with anything urgent[/STRIKE]
[STRIKE]Do some of the ironing pile[/STRIKE]
:)Fill in and return the forms to the dentist Forms are filled in just need to return them.
[STRIKE]Collect up washing and do full loads[/STRIKE]
:)Surveys [STRIKE]and check one poll[/STRIKE]
:)Clean bedroom and strip bed
:)Clear the clutter from the desk and clean computer
[STRIKE]All meals from store[/STRIKE]
[STRIKE]Contact women on freecycle[/STRIKE]
[STRIKE]Do some studying[/STRIKE]
[STRIKE]Do website reviews[/STRIKE]
:)Do research for local comp
[STRIKE]Take dd for a walk and collect ds[/STRIKE]
[STRIKE]Update diary and make to do list for tomorrow[/STRIKE]

I think that is everything that I need to do today. Have a good Wednesday everyone x

bt1

Afternoon everyone! It's quiet on here today!

Dnms- that's great news about dd x

Today I have:
- Checked bank- rounded down current account and transferred to savings, left with £20 now until payday on 28th... 8 sleeps!!! Lol
- checked cc - maxed out my ill one and still need petrol! Argh!!
- lunch from home
- drunk lots of water
- walked to and from station instead of getting the tube (need the exercise!!)
- didn't manage a NSD, naughtily spent 75p on choc! Will try harder tomorrow!

To do:
- at least 30 mins on exercise bike when I get home
- rearrange budget spreadsheet for July
- early night!!

X

ziggy2407

Good Evening All

DNMS - Thanks for starting us off, great news about your
LaE - Hope OH's interview goes well

The sun is shining here again and was hoping to have a quiet relaxing morning after yesterdays hectic day but it wasnt to be, had a call from work asking me to go in ASAP so the rest of the day has been a blur too, anyway enough waffle heres today's list

Check Banks - Done
Check swapits - Done
Work (10.30 - 1.30) - Done
Comps -
Keep up to date with surveys -
Keep on top of emails - Done
Quick tidy round - Done
Wash towels & line dry - Done
Update food tracker (38lb off) - in progress
WW weigh-in - stayed the same
Meals from stores - Done
Read -

Hope you've all had a great day everyone, love you all :T

C xx