Tuesday 3rd July - What small DFW things will you do ?!?

bt1

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!

It was very quiet on here yesterday..

I need a NSD today!

- check bank
- check cc's
- PAD - done £1 for vanquis
- lunch from home
- drink lots of water
- NSD (baking my dad a cake for his bday, need to buy ingredients but have budgeted for this )
- update spreadsheet/app with spends

Xx

determined_new_ms

Morning bt1! thanks for starting us off, I hear you on the NSD front, although I have arranged to have dinner with my bezzie. Might see how she would feel about a swim/run and a sauna and then dinner at mine. I went out on Sat and bought some new shoes and a pair of jeans so now I have a mission to earn at least £50 off of ebay this month to pay off the cc!

Things for today:
* checked banking & cc statement :eek:
* boiling an egg for egg sandwiches
* will nip to the SM in my lunch break to buy things off of the shopping list!
* continue playing swagbucks tv while at work :rotfl:
* check onepoll
* stick to diet - have done so bad for the last week TOTM!
* list another couple of things on ebay
* will only take shopping card out with me so I can't nip to the shop during the day (PMT is a begger for making me eat junk!)

think that's my lot. Better get ready! x

ziggy2407

Good Morning All

bt1 - Thanks for starting us off
Carrie - please dont beat yourself up over your spendy wkend, you've done so well recently and with all the overtime you've been putting in you deserve a treat

Today's little list

Check Banks - Done
Check swapits - Done
Work (11.30 - 1.30) - Done
Visit Mum - Done
Comps - Done a few
Keep up to date with surveys -
Keep on top of emails - Done
Notes for classmates parents re: collection -
Filing & Shredding -
Quick tidy round - Done
Update food tracker (38lb off) - in progress
Meals from stores - Done
Read (The Ice Cream Girls (from stash)) - in progress

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

C xx

carrielovesfanta

Morning everyone

bt - thanks for starting us off

DNMS - glad I'm not the only shopper in town I must also try and stick to my diet. I'm good all week but we seem to be busy every weekend. This weekend I have a hen do (again!!)

ziggy - Thank you I don't feel too bad about it and I have some more overtime to come in which is definately headed for mr cc!

So I was wearing my corset last night, trying to break it in a bit, and though, surely it's more uncomfortable than it should be, and the waist is terribly high? Yup, I had it on upside-down

Turned it the other way up then sat happily for an hour in it! (Until I got bored of sitting straight and wanted to slop on the couch )

Today's mse things:

Breakfast, lunch and dinner from stores

Charge phone at work

Working some overtime (just had a new project dumped on top of the two I am already working on and only have a week to do it. Not happy.)

Check online banking and check off the weekend's purchases

Stick to diet and keep out of choccy box at work!!

Check cc/bank to see if any of my new statements have come through (usually between 3rd-8th ish)

See about selling some of OH's PS2 games that he doesn't play. He has agreed to it, but I don't know where would give the best price?

Hope everyone has a lovely mse day

ED: Woo hooo my £40 from Onepoll has arrived!!

Wannabe01

Good morning everyone. It’s a lovely sunny day here. Its just me and dd today as ds has gone to work with his dad.
Bt1 – Thanks for starting us off this morning.

My list for today:
[STRIKE]All meals from stores[/STRIKE] - chicken nuggets and salad for dinner
[STRIKE]Collect up washing and do full loads – hang outside if it stays nice[/STRIKE]
[STRIKE]Clean and tidy the living room[/STRIKE]
:)Do some of the ironing pile
[STRIKE]Surveys and check one poll[/STRIKE] 75p made today
[STRIKE]Mend dd’s vest[/STRIKE] and pj top It turns out that the pj top that I need to mend is in the wash so will mend it once it has been washed/dried.
[STRIKE]Review long terms goals[/STRIKE] I've got some ideas but will need to think it though a bit more.
:)Raise invoice for work completed last month Still waiting on the confirmation from client for work completed.
[STRIKE]Phone dm[/STRIKE]
:)Look into increasing income Got some ideas but will need to look into it a bit more.
:)Do some studying
[STRIKE]Update tester paperwork[/STRIKE]
:)Sort returns for Mr T – got clothes for dd washed once and all design has come off
:)Get information that is required for the council, as they have sent me a bill that I am not responsible for
[STRIKE]Look though craft books and get some ideas[/STRIKE]

I think that is everything that I need to get done today hopefully today will be more productive than yesterday. Hope everyone has a good Tuesday x

La_escocesa

Hi everyone :hello:

I've got a few bits and pieces I need to do on lunch today - need to get 3 cards and 2 pressies - just small things - £20 max.

Need to send RSVP - use 2nd class stamp - not going to a wedding - would've been another £300 added to the debts

Reading a free ebook

Walking to/from work

Leftovers for lunch

Tinned pears and yoghurt snack - no snack machine para mi :cool:

Free tea in work instead of home

A bit of yoga hopefully

Enter a comp - forgot yesterday

Catch up soon everyone - big love.

happytails

Hi all. I come and go from this board but really need to shift some debts.

*Today I am having another NSD. that wil be 2 days this month :j
*I will be sewing 2 baby congratulations gifts instead of buying some (2 cushions)
*Got my new phone contract for £5 less a month and cashing in my old one for £220 with envirofone. :T
*Checked my Ebay, got a bid on some kids shoes
*Applying for a new balance transfer CC to shift my barclaycard debt on it. Fingers crossed we get accepted.
*Gathering things for a car boot in a week or 2

Sarah x

princess_pea

Hello All,

It's miserable weather where I am today - where is the summer?! Oh well as long as it brightens up by August when I have two weeks leave - can't wait :j We're not going away anywhere other than planning a couple of day trips. We are planning to move some furniture around and get our house in order though - hopefully will find lot's of stuff to ebay

Today:

NSD
All meals from stores (the ASDA man came yesterday so we should have enough to keep going for about 10 days)
Check banks
Make a leaving card for some friends who are moving abroad!
Bit of studying if I'm not too knackered tonight. Got an essay to write over the weekend but hopefully that should keep me out of trouble

Have a good day everyone

La_escocesa

I bought my first Christmas pressie today - a cute mug with saucer and tea spoon for £1 in the sale - going to crochet a little mug warmer like this http://www.overtherainbowyarn.com/category/mims-blog/ and give it to SIL with some hot choc and marshmallows.

ziggy2407

La_escocesa wrote: »

I bought my first Christmas pressie today - a cute mug with saucer and tea spoon for £1 in the sale - going to crochet a little mug warmer like this http://www.overtherainbowyarn.com/category/mims-blog/ and give it to SIL with some hot choc and marshmallows.

That looks great, why not make some and sell them, if you are ever short of wool let me know as I'm trying to help mum clear some of her stash. Do you take orders for your knitted teacosies?