Thursday 28th 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: wow it was quiet round here yesterday! Lets hope today more of the regulars post! La E sorry to hear that things are financially and workwise stressful for you at the moment. Hoping that it eases up for you very soon lovely x

Things for today:
*[STRIKE] checked banking[/STRIKE]
* [STRIKE]shifted some funds out of savings to pay for wardrobe bought for dd on Tuesday[/STRIKE]
* [STRIKE]transferred money from joint acc for food I bought earlier in week[/STRIKE]
* need to transfer money to friend who did some work for me earlier in the week
* email dd's old landlord and ask when he is transferring deposit back
* [STRIKE]quick shower[/STRIKE]
* check onepoll
* do SB
* all meals from stores
* NSD?
* go to the gym later? Depends how I feel if not go for a walk

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

bt1

Morning dnms-thanks for starting!

Today is payday hurrah!!! Need to be good this month, spent ages fine tuning my budget last night and hope to make some bigger debt payments over to month. Must. Stick. To. Budget.

List for today:
- check bank - rounded down and moved to savings for payment to big cc
- checked cc's - all ok
- PAD
- lunch from home
- call vanquis at lunch to close account (was too late last night)
- shopping with mum tonight - she spends £150 for 3 people a week on food so going to try and help her get that down!!!!
- NSD

X

carrielovesfanta

Good morning :wave:

Thanks to DNMS for starting us off. Bt - do we have the same mum?! She spends per week practically what I spend in a month. Still, my dad eats non-stop (almost literally :eek:) so she has to keep him in food somehow!

Bit miffed today because the letting agents didn't make it to do the check on the house. Apparently they will call today to rearrange so I spent the whole day fretting for nothing.

Today's mse stuff:

Charge phone in work

Breakfast, lunch and dinner from stores (don't know what dinner will be yet. Might pop over to the OS board for inspiration!)

Check online banking (paid out £600 for new pc yesterday :eek: but am I still chasing the mystery £100??)

Might work a bit of overtime. Am having trouble easing myself off of it. If I'm not working late I feel guilty about not doing enough :cool:

Think that's it. Not doing very much at the mo it seems. Not really sure what to do though?

Have a good day all

Wannabe01

Good morning everyone. It is a rather damp day here today, which I guess is to be expected as the kids get off at lunchtime for their summer hols.
DNMS – Thanks for staring us off this morning.

My list for today:
:)Walk ds to and from school – remember to pick him up at lunchtime one trip done
:)Catch up with emails
:)Collect up washing and do full loads – will need to be put on the airer today as it’s raining
:)All meals from stores
:)Complete surveys and Check one poll
:)Check for freebies
:)Check and water plants
:)Clean the bathroom, bedroom and office
:)Do some studying
:)Have a look over the budgets
:)Have a NSD
:)Look into maximising bingo site that I use
:)Send directions to friend for tomorrow
:)Do some work for dh, as he needs me to work out some dates
:)Research idea that I had yesterday regarding working from home

I think that is everything for today. Hope everyone has a good day and to any teachers that finish work today, have a good break x

SinSTAR360

Morning all!

Today I will be...

1. Checking my pending transactions on my bank account to see how much I will be paid tomorrow.
2. Having a no spend day!
3. Checking all credit cards and updating my debt breakdown sheet.
4. Having an early night as I'm knackered already!

Hope everyone has a lovely day!

SinSTAR

starnac

Morning everyone. I don't get on here as often as I would like ATM.

My list for today

[STRIKE]Check banks[/STRIKE]
Daily clicks
[STRIKE]Post application form[/STRIKE]
[STRIKE]Take pictures ready to eb4y[/STRIKE]
List items
Meals from stores
Start altering dress
HC and Airer dry

That'll do for now. The baby is very clingy at the minute so it's hard to get anything done

Happy Thursday everyone

PurpleFairy26

Afternoon All :j Just had crazy thunder storm and it's like someone switched all the lights off outside. Slightly brighter now - although not much Don't think I'll be drting any washing outside today!

List for today:

Do mat leave budget :eek: will sit with DH later and work out how much we need to save to balance the books.
Updtaed banking sheet for this month
meals from stores
pop to pick up sister's chritsmas present, otherwise they will release it back to stock tomorrow - already paid for
tea from stores
keep on on fleaby - try and list 3 more items tonight - including printer cartridge that doesn't fit;)
buy printer cartridge on work expenses - muct check which one I need before I leave
early night - yesterday was a really long day
finish expenses once I have new cartridge and submit them

Think that's all, hope everyone is haveing a good day

ziggy2407

Good Afternoon All

DNMS - Thanks for starting us off,

Not much to report here today, we have had lots of rain, seems really dark too but with brief bursts of sunshine, feel as if we can experience all weathers in one day lately, 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 -
Notes for classmates parents re: collection -
Filing & Shredding -
Quick tidy round - Done
Update food tracker (38lb off) - in progress
Meals from stores - Done
Read (Paul O'Grady autobiography) -

Hope you all have a great day everyone, love you all :T

C xx

bt1

bt1 wrote: »

Morning dnms-thanks for starting!

Today is payday hurrah!!! Need to be good this month, spent ages fine tuning my budget last night and hope to make some bigger debt payments over to month. Must. Stick. To. Budget.

List for today:
- check bank - rounded down and moved to savings for payment to big cc
- checked cc's - all ok
- PAD £2
- lunch from home- wasn't hungry so haven't eaten eat! It will save for tomorrow
- call vanquis at lunch to close account (was too late last night) - nightmare! Got through to someone noW but back on hold! I'm only £3 in credit and they are making it awkward for me to get that back and clse the account!!
- shopping with mum tonight - she spends £150 for 3 people a week on food so going to try and help her get that down!!!! - had to work late so couldn't go with her
- NSD so far so good!!

X

Haha yes carrie, my mum always stocks up on loads on tins "In case there's a war" she's mad lol!

flyinggiraffe_2

Evening all!

Today I have:
Checked online banking
Increased Dd to catalogue
Bought an ice lolly using change I found in glovebox

headoutthesand

Evening all. Today I:

Checked online bank
Used saynoto0870 to call bank
Lunch from house
Dinner from stores
NSD - yeah!!!
Washing at 30 with extra spin before drying
Tidy house and wash floors
Sort budget for tomorrow - payday


Big spend day tomorrow with all the last minute holiday things