Friday 29th 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:

Good morning :wave: yay to it being Friday (although seeing as I had 2 days off sick it does seem to have been a very quick week! )

Things for today:
* checked banking
* did VSP & updated spreadsheet & sig
* all meals from stores (was v naughty and went out for dinner with oh last night - although did use taste card so got 1 meal free!)
* check onepoll
* do swagbucks - still not 100% sure on how it works???
* walk to appt later rather than driving & paying for parking
* go for a run this evening (oh is in essay hell so need to occupy myself...actually he's now just told me he's playing football tonight...)
* speak to brother to see when he's giving me back the money he owes me...

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

ikkle87

This morning I went through the CCCS Debt Rememedy and organised to set up a DMP, also set up a new bank account with the Co-Op.

Well an hour after doing that I've managed to clear one of the debts lol. We owed EDF for Electric from our old house. The CCCS said they needed recent statements/bills for all the creditors so dug some of the paperwork out and having looked at the bills from them I noticed they were charging the daily rate for 52 days after we had moved out, and despite me telling them the final meter readings on the day we left they had used different readings on one of the bills so rang them up and they did an amendment and my electric account is now £1.48 in credit lol. The gas account has also had the bill reduced although not cleared fully. It's a small step though in the right direction

mildredalien

Good morning! This morning so far I've checked my bank account, opened a new monthly budget spreadsheet, transferred money into my emergency fund and paid £550 off my credit card! I do love payday

The list for the rest of the day includes paying a cheque into my bank account and going to my parents house tonight for a free takeaway

Wannabe01

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

My list for today:
[STRIKE]Check banking and update spending diary[/STRIKE]
[STRIKE]All meals from stores[/STRIKE]
[STRIKE]Complete surveys and check one poll[/STRIKE]
[STRIKE]Do superpoints and swagbucks –[/STRIKE] I need to try and get back into them as not done them for a while
[STRIKE]Catch up with emails[/STRIKE]
[STRIKE]Sort tester paperwork[/STRIKE]
[STRIKE]Collect up washing and do full loads [/STRIKE]– hang outside if it stays nice Had to hang it up indoors as it started to rain.
[STRIKE]Check freebies threads[/STRIKE]
:)Do some work on the budgets- still trying to see where I can make cut backs because although dh is brining more in I don’t want to spend more than I have too Work in Progress
:)Clean the kids bedrooms and change the bedding
:)Do some studying – I need to get back into it as not done much recently due to problems
:)Look into comps
:)Sort meal plans for next week, [STRIKE]make a shopping list and do Mr A online shop[/STRIKE]
:)Take kids for a walk to the park if it stays nice Didn't do this as it startd to rain.
[STRIKE]Sort through and tidy the ironing pile and do some of it[/STRIKE]
[STRIKE]Check and water the plants[/STRIKE]
[STRIKE]Update diary and make list for the weekend[/STRIKE]

I think that is everything that I need to get done today. Hope everyone has a good Friday x

ikkle87

Wannabe01 wrote: »

:)Look into comps

Have you entered any before? It's a bit of effort but really worth it, I only started again at the end of May and my wins are in my signature, but I also won a £150 necklace which was personalised for me and my OH is keeping it to give to me for my birthday. I sold the iron I won on amazon and after fee's have £180 from it which will be used to pay phone bill and buy food etc

little_pink_purse

thanks for starting us off dnms
ikkle87 might have a look at the comps board xx

hi guys

sorry i missed thursdays post work was mad and the out for a meal kept it cheap 2 meals £10 2 sweets £2 so cheap cheap lol

so today
well its raining big time here so no wash out
ive checked my bank roll on pay day 6days to go
today i must sleep back on nights grr
try and iron and a few washes on
check bills and banking
better get my finger out xxxxlppxxxx

magni

Morning all, I haven't been on in a while. Just been so busy and not near the pc. It's a bit more of a chore posting from my phone:o

Today I have

- been to Ulster bank to lift cash to deposit in another bank to cover mortgage payments and into another bank to enable me to have access to some cash and pay cc bill. It's all so primitive and I felt very vulnerable with a large amount of cash on me even though it was only for a very short time.
- paid cc
- will do a small shop at Mr T later
- go to work tonight then off for 2 weeks:j

Have a lovely day everyone xx

bt1

Hi everyone! Happy Friday!

Today at work was brilliant! I was the only one in on my side of the room! And got lots done without all the distractions!

List
- Checked bank
- Checked cc's
- PAD
- Paid rent and my car payment
- Paid £125 off my big cc (down to £1990 now!!!)
- Put money in emergency/Xmas fund
- didn't eat lunch again, I think bring too many snacks in!!
- already on the train home!
- NSD

X

ziggy2407

Good Afternoon All

DNMS - Thanks for starting us off

Not much to report here today, went to school assembly this morning and my LO had been nominated by his teacher for a Headteachers award, was so proud, then rushed around doing a few errands before work, then stayed after work to watch the kids have a danceathon to mark the end of a special week in school, 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) - in progress

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

C xx

Wannabe01

ikkle87 wrote: »

Have you entered any before? It's a bit of effort but really worth it, I only started again at the end of May and my wins are in my signature, but I also won a £150 necklace which was personalised for me and my OH is keeping it to give to me for my birthday. I sold the iron I won on amazon and after fee's have £180 from it which will be used to pay phone bill and buy food etc

No I've not entered any comps before but I am trying to get into the habit of doing it, its just knowing where to start.

That is some good wins that you have had, so I guess it is worth the effort.

carrielovesfanta

Good evening folks!

I'm sending this from my shiny new pc. It's very fast. Love it!

Hope that OH will love it too. Although I'm not sure how I will get all our stuff off the old pc? :cool:

I'm on my own all weekend as OH is on a stag do in York. My plan is to generally potter about in the garden.

Today's mse things were:

Check online banking (all in order. I think. The mystery £100 is not pending to come out of my account any more, but maybe it will still vanish? Who knows?!)

Breakfast, lunch and dinner from stores

Charged phone in work

Shiny new pc will actually save on petrol as OH will not go to uni over the summer to record

Not a NSD as paid my friend back £12 for some stuff he picked up for me from Lakeland)

Got my friend's bf to come round about trimming back our trees (trainee tree surgeon on mate's rates )

Now, must dissuade myself from spending any money over the weekend. It's weird having money in my account. Part of me wishes to go over to the beauty salon and be totally pampered. The other part of me wishes to save it all back until after the double bill of weddings and hen nights that are coming up (am saving some specially for it) and pay the rest off my cc.

As much as I want to be debt free, I'm not totally skint and it means I don't focus as much as I could. I was toying with the idea of pampering myself (eyebrows, nails etc) but it's not quite the same if you have to do all the hard work! :rotfl: