Thursday 21st 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 :wave: what's going on round here? None of the early starters around anymore??? ok have 10 mins before I need to get ready so NTBY here's the holiday story (I actually feel a bit bad talking about it as I know lots of peeps on here aren't in the situation financially to have a holiday and I don't want to make anyone feel bad. Thanks La E yesterday for your pleasedness for me, I was there and know what its like but there is light at the end of the tunnel!)

So we flew into Bangkok and was there for 2 days, staying in a 5* hotel - it was amazing! We packed the absolute most we could into those days! Went on a tour round 4 of the temples, caught a boat along the river and saw all of the life that lives on the river, houses - some fantastic, some falling down, schools, monks, the floating market. We then got a tuk tuk to china town where I had my eyebrows threaded on a crazy busy side walk by 3 chinese women who didn't speak english - that was an experience! We stumbled across a little food market and ate some sushi and chineese for about 80p for the 2 of us!In the evening we went to one of the roof top bars.

The following day we flew to koh samui which was beautiful but has turned into the usual tourist nightmare. Mostly we stayed on the beach or round the pool drinking either chang beers or cocktails. we went elephant riding, to one of the waterfalls and to a safari park. Several evening we went into town, ended up in the red light district and partied with a group of thai women. I have to say they are the loveliest!

In the last week we took a boat out to Koh Tao which was paradise our room was a little hut on the beach and took a boat taxi out to a tiny island to the Japanese garden for amazing snorkling. And climbed a mountain to sea the view point which was stunning!

On our 2nd to last day we woke up very hung over after getting home at 3.30 and hired a scooter and drove round the island seeing the different areas in koh samui. That again was an experience! And ended up on a stunning beach in nam mae for a couple of hours, then travelled to the other side of the island to see the grandma and grandpa rocks. We went out for one last evening watching the bands that play everywhere and drinking yet more chang!

It was such fun, we laugh so hard and often and now we're back!

Phew!

Anyway things for today!

• all meals from stores
• [STRIKE]check banking & cc statemet[/STRIKE]
• [STRIKE]fill in expenses form and send off[/STRIKE]
• work hard - well until I got back from the dentist...
• [STRIKE]going to have a filling....[/STRIKE]
• [STRIKE]2nd hand chest of draws being dropped off after work[/STRIKE]
• call tesco and exchange vouchers for rewards
• washing at 30
• mrs flylady bathroom and lounge
• go for a swim this evening

• stick to diet!
• [STRIKE]check onepoll[/STRIKE]
• air, oil & [STRIKE]tyre pressure[/STRIKE]

Ok that's me, better get my skates on! x

slowlyfading

:hello: morning and thanks for starting the thread!

- all meals from storecupboard today
- need to check online banking
- go on the exercise bike this evening at home
- no biscuits - stick to the plan!

Have a good day everyone!

magni

Morning all:D DNMS your holiday sounds fab. Glad you had a great time.

Today I have/will

- check banks
- do shopping at Me T and stick to budget
- buy dd 2 school skirts for next year as 20% off at M&S right now:money:
- go for a run (don't normally do this but it's free:j_
- try and fit in a sleep before nightshift tonight

That's it for now. Have a lovely day xx

carrielovesfanta

Good morning all, thanks to DNMS for starting us off.

Your holiday sounds amazing and you did so much! I'm very jealous but in a pleased for you and inspired way

I didn't get anything done yesterday that I planned. I didn't leave work until 10.30 and I've got a meeting at 10 today. yawn.

Today's mission:

Charge phone in work (it seemed to not be working properly yesterday :cool:)

Keep plugging away at work

Keep to diet! (was a good girl yesterday again)

NSD - am not going anywhere to spend (unless I buy train ticket - see below)

Must print out bus ticket for saturday

Need to decide whether to get the train to the wedding, or leave at 9 am with OH (wedding is at 2 but he is doing the music so must set up by 11). Don't really want to get up at 7 to get ready for a 2pm wedding.

Checked online banking - all normal.

Hope everyone has an mse day

ziggy2407

Good Morning All

DNMS - Thanks for starting us off, wow, your holiday sounds fab
Carrie- you must be exhausted, be good to yourself too

Well we have RAIN tooday and lots of it so will be hoping for a quiet day at home, pottering, relaxing and a little bit of work (lucky enough to have found a job termtime, 5 mins from home and 2 hours a day- WIN, WIN, WIN), lol, enough waffle heres today's list

Check Banks - Done
Check swapits - Done
Work (11.30 - 1.30) - Done
Comps -
Keep up to date with surveys -
Keep on top of emails -
Quick tidy round -
May attempt to paint lounge (with OH) this evening -
Update food tracker (38lb off) - in progress
Meals from stores -
Read -

Have a great day everyone, love you all :T

C xx

faceuptoit

Morning all

Thanks for starting thread!

Breakfast from work (free pain au chocolat :j)
Lunch from work
NSD
Check all online banking etc
Update spend spreadsheet
Choose a meal to cook for gf's parents on Sunday
Plan out how much I'm spending on the weekend

mummybearx

Morning all!!

Updating my list from Monday -

Well, today I shall -

Check banking - done
Do Swagbucks - doing it as we speak!
Check new vids on Maximiles - doing it as we speak!
Have a NSD - done
Check all the washing I done yesterday and put away if it's dry - done
Dinner will be leftover stew from yesterday - done
Soup for lunch today at work (homemade) - done
Declare 2nd car as SORN - done
Fill out Royal Mail paperwork for 'lost' ebay item - done

Today I need to post an envelope as part of the Royal Mail survey thingy.
Boss buying lunch at work
Breakfast was a chocolate donut leftover from yesterday (yum yum lol)
Need to go buy knitting needles and wool as neighbour is going to start teaching me to knit
Do a washing when I get home
Keep on swagbucks today and earn earn earn!
Check Onepoll, maximiles
Check banking, even if only to see how far into the overdraft I am
Dinner from stores

Erm, and that's about it :T

bexiboo92

Morning.

I have already:
-Gone to the shop and got essentials for the day.
-Spoken to the debt management company regarding my paperwork
-Spoken to pay day loan company and have got the account frozen for 30days whilst the DMP sort out everything, which means no more calls at work.
-Have spoken to FLM quick (guarantor loan) and have said I willl make a payment when I get paid. (never meant to fall behind on this one).

For the rest of the day:
-Job hunt online
-Tidy flat
-Get work clothes dried
-Do some washing.
-Go and see my mum if it stops raining!

Wannabe01

Good morning, DNMS – Thanks for starting us off.
Its rather damp outside today and things are not much better indoors and me and dh are still not seeing eye to eye. The main problem is that he wants to go out to work full time, which I know does make sense but he wants me to become a full time housewife, which is not really me and means given up a career dream which I have had since being a young child and have worked hard the last few years to head in the right direction. As well as giving up on my dream it is going to mean being a kept women and it is just not the way that I am. Sorry to share my moan with everyone.

Tonight we are taking the kids out for a treat so will not be very mse tonight but they rarely get treats.

My list for today:
[STRIKE]Wait in for the council as they are coming to do a home safety check[/STRIKE] Got a lot of freebies including fire guard, door locks and socket covers.
[STRIKE]Breakfast and lunch from stores, will get dinner out tonight[/STRIKE]
:)Do some work on website reviews
:)Local comp research
[STRIKE]Take dd for a walk and collect ds from school[/STRIKE]
:)Look through craft books and get some ideas
:)Try and reach a compromise with dh Tried but ended in an arguement begining to think that unless I give in this could be the shortest marriage in history. I'm going have a think and see what the next step is.
[STRIKE]Collect up washing and do full loads[/STRIKE]
[STRIKE]Start work on a meal plan for next week and shopping list[/STRIKE]
:)Take kids out tonight for a treat and hope that dd doesn’t get scared by the clowns
:)Update diary and goal lists for this month
:)Make to do list for tomorrow

Hope everyone has a good Thursday x

little_pink_purse

thanks for starting us off dnms
love the sound of you hoilday xxx

sorry i missed wed posts
was ill and managed to fall down the stairs grr

today

iam back at work and feel like ive been hit by a bus lol
have a spd
try for a early night

talk sooon
sadly its pouring here so mr td will be on a some time xxxxxlppxxx

carrielovesfanta

Good evening,

I had to post because I have had a lovely day and needed to share the love.

I had a great meeting this morning, and the other contractor was very complimentary about my work. Then I saw my pay slip which has the stupid amounts of overtime on - it has doubled my normal wage (after tax!) :eek::D

Then I had an idea which my managers are really keen on and it might mean I have to write and present a paper at a conference!

I'm going to enjoy this nice feeling while it lasts!