Wednesday 4th 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!

My lists are really repetitive at the mo, I need some excitement in my life! Lol. I made a cheesecake last night, ate most it while making it tho! Hopefully it's turned out ok!

- check bank -
- check cc - direct debit paid to updated app
- PAD £1 to small cc - decided to concentrate on this one and clear it by dec
- half day today go will get lunch at when I get home
- 2l of water
- try and fix old iPhone tonight, and get it packaged to send to recycling site! 120 not working or 220 working!
- early night

determined_new_ms

Morning Bt1! Thanks for starting us off!

Things for today:
* check banking
* transfer some money to a friend who did some work for us
* all meals from stores - might make an omlette for work
* do some washing
* check onepoll/do swagbucks
* NSD
* List a couple of items on ebay
* cycle to work? Maybe....
* go for a run after work
*swim in my lunch break

That's my lot I believe.... Have a great day x

Nottoobadyet

G'morning, DNMS and BT1!

In job hunt madness here - had a written test this morning and popping out at lunch for a 2nd phone interview. Still no word back from the one i want most, so we wait... Feeling very spoilt to have 4 options on the go, no offers yet though!

Anyway, today:
- check banking, still not paid for last months consulting...
- update budget, not doing too bad so far for July!
- take a colleague out to lunch, then pop home discreetly to take interview call
- trying to talk a friend into hosting a July 4th shindig, in which case I will make a huge baked ziti to share otherwise L/Os for tea and local for happy hour
- book massage to surprise OH for our 1st anniversary on Saturday
- bike everywhere etc etc

Happy hump day, all!

ziggy2407

Good Morning All

bt1 - Thanks for starting us off
Hi DNMS and NTBY and all who follow

Today's little list

Check Banks - Done
Check swapits - Done
Work (11.30 - 1.30) - Done
Cokezone Codes - Done
Comps - Done a few
Keep up to date with surveys -
Keep on top of emails - Done
Notes for classmates parents re: collection - Done & handed out
Filing & Shredding - Shredding done
Quick tidy round - Done
Update food tracker (38lb off) - in progress
WW Weigh-in (not looking forward to it) - stayed the same
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

bt1 wrote: »

I made a cheesecake last night, ate most it while making it tho! Hopefully it's turned out ok!

:rotfl::rotfl:

A girl after my own heart bt! Thanks for starting us off today!

Today's list:

Still sticking to diet. I was very good yesterday :A

Check online banking (no changes)

Charge phone in work

Breakfast, lunch and dinner from stores

More overtime

Have a good one all

Wannabe01

Good morning everyone, It is a bit of a dull day here today.
Bt1 – Thanks for starting us off this morning, Hope you manage to sort the iphone.

My list for today:
[STRIKE]Quick shower[/STRIKE]
[STRIKE]All meals from stores[/STRIKE]
[STRIKE]Catch up with emails[/STRIKE]
[STRIKE]Check performance times for tomorrow[/STRIKE]
[STRIKE]Phone doctors for appointment[/STRIKE] Earliest appointment that I could get is first thing Monday.
[STRIKE]Collect up washing and do full loads – Hang outside if it brightens up or on the airer[/STRIKE]
:)Clean the bedroom and office area
:)Do some studying
[STRIKE]Do work that is in for today[/STRIKE] Got the project completed that I was working on today and raised invoice and I also managed to get another 2 projects :j
[STRIKE]Surveys and check one poll[/STRIKE]
[STRIKE]Look into available work[/STRIKE]
[STRIKE]Chase invoice for last months work[/STRIKE]
:)Sort the returns for Mr T
:)Sort the freebie wrappers that are lying in the kitchen and get them sent off
[STRIKE]Research and gather prices on crafts items that I need for ideas[/STRIKE]
[STRIKE]Research and gather prices on printer cartridges[/STRIKE]
[STRIKE]Repair the material on the kids soft ball[/STRIKE]
Get the information for the council and phone them
:)Play some free bingo and look to maximise the site.

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

BluePumpkin

First time joining in with this thread

- Check online bank
- Update budget/spend spreadsheet
- No spend day
- Catch up with emails
- Make a to do list based on months and months of paperwork that has built up!
- Shred/file as much of that paperwork as possible
- Spend insane amounts of time on mse getting ideas on how to pay off all this debt

La_escocesa

Hello there :wave:

Nothing out of the ordinary for me today:

• Walked to/from work
• Brought lunch and snacks with me
• Free cuppa x 2 in work
• Free cake too
• Didn't bring my purse to work and didn't even get 'scared'
• Asked my boss about a job on my team I saw advertised for £4k more than I'm on - and asked why I'm not worth the max :cool: - apparently it was a typo… :insert eye rolling smiley here: :rotfl:
• Updating CV tonight - will prob mean a job in another town with an hour and a bit's extra travel each day - would probs be ok if I could work from home a couple of days though - may as well see what's out there… (Here we go again, I hear you cry )
• More of a £5 survey on my lunchbreak
• Check 0nepoll - got a whole 45p yesterday - still under £10 there!

Welcome along BluePumpkin - I hope you love it here like I do.

bt1

bt1 wrote: »

Morning!

My lists are really repetitive at the mo, I need some excitement in my life! Lol. I made a cheesecake last night, ate most it while making it tho! Hopefully it's turned out ok!

- check bank - done- bit confused as to why my overdraft interest is 55p this month then it's usually over £20!!
- check cc - direct debit paid to updated app
- PAD £1 to small cc - decided to concentrate on this one and clear it by dec
- half day today go will get lunch at when I get home
- 2l of water
- try and fix old iPhone tonight, and get it packaged to send to recycling site! 120 not working or 220 working!
- early night

A NSD day for me so far!!! I'm starving tho! Need to get home and eat (cheesecake!!!!)

I'm hoping that natwest will never charge me interest on my OD, but it probably a mistake!

Pinkpenguin

Hello Everyone :j

Thought it was about time I got firmly back on the MSE wagon after a hectic few months - I am now being threatened with redundancy and money is tighter than ever! I have been keeping up with my MSE ways but due to a few unexpected expenditures (the main one being my car breaking down) its been a tough few months.

Still, onwards and upwards. I Hope you are all okay.

Today I will/have:

- Walked to work
- Breakfast from stores
- Lots of free tea and water at work
- Lunch from stores
- Called Natwest to cancel a Direct Debit which would have made me majorly overdrawn - I will pay manually within 30 days
- Walk home from work
- Dinner from stores - frozen pizza and salad I think
- Meeting up with a friend who I havent seen in ages tonight. I am driving so will cost £10 in petrol and I will just have one glass of wine

Thats my lot. Nice to be back guys,

Lots of love PP xxxx

lesgeo2012

Hello, can I join in?

I just bought a hair cutting device for my 2 boys hair. Cost me £35 but in 4 hair cuts it will of paid for itself. Should save me about about £60 for the rest of this year alone! Barbers are expensive here!!!!

Also traded in my books on amazon. Thats 11.65 voucher off a christmas present I think!!!

Poured all the left over shampoos into one bottle!!! Im terrible for buying stuff before it's finished! But I WILL CHANGE:A

Going through the kitchen cupboards to see what is lurking in there that I have forgotten about. Will try and eat everything (not at once though) before I do a stock take and shop sensibly!