Monday 9th 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! Is it really Monday again??? Eurgh! and I've left my headphones at home today

I'm aching from the little bit of exercise I did yesterday, but i want to keep it up so will try and go for a little run tonight

List:

• Check bank- done but £22 still missing!
• PAD - £2 to natwest card
• Lunch from home (lots of it, should keep me away from the shop!)
• Lots of water
• I finally fixed my old phone last night and found out it can be recycled for £220!! So, need to get that sorted tonight

Can't think of anything else!

X

determined_new_ms

Morning bt1! Thanks for starting us off, and amazing news re the phone - good for you

I also can't believe its Monday already...

Things for the day:

• [STRIKE]check banking[/STRIKE]
• all meals from stores
• [STRIKE]get mince out of freezer for dinner[/STRIKE] - dd is cooking
• do onepoll & swag bucks while at work
• continue listing on ebay - its such a drag but a dress of mine sold for £30! Which has given me a boost - if I can raise £50 this month to my cc I'll be happy!
• go to the gym with oh tonight
• start job appl

• post ebay sales in lunch break
• do air, water & tyre pressure

ok think that's my lot - nothing too inspiring! x

kettlenic

Morning all

So lucky re the phone - I have exhausted that avenue!!

My DF things today are:
- NSD
- using up slimfast I found for brekfast and lunches (could do with the weight loss too but also moving soon and thought best finish it up)
- submitted meter readings to BG
- Out for dinner at Aunt's house - will take wine I already have at home as a thanks
- changing broadband for a cheaper option

La_escocesa

Hi guys :wave:

Back again and raring to go


Here's me:

• Bought a weekly bus ticket - using it this wknd so a £10 ticket saves me spending £12 in taxis or £8.40 on buses - may as well pay extra £1.60 and have a whole week's travel Might go home for lunch a couple of days too
• Crossing my fingers about new jobs for me and OH - a bit worried that if I get mine OH will be happy for me but also a little bit sad Guess the major concern for both of us just now should be trying to get out of this money mess so if I can get a better paid job then I need to try to get one.
• Checking surveys and signed up for more MSs - Should hopefully be another £57 but only if I get chosen for them all…
• Made HM shortbread - was dead easy so will defo do again - that's 3 weeks running I've made HM cakes/biccies :cool:
• Free cuppas x 3 in work
• Taking refillable water bottle to yoga
• Thinking about my selling-my-knitting plan some more… :cool:
• Buying the cheapest lunch I can find - won't need a lot because I've had a few free office cakes

MinnieMousesMummy

Morning everyone,
bt1 – Thanks for starting us off this morning thats great news reg the phone.

Unfortunately it will not be a no spend day as I have a hospital appointment this afternoon so will need to get petrol and also need to get some frozen food.



Things for today:

• [STRIKE]do a frozen food shop[/STRIKE] and then sort meal plans for this week Shopping done and meal plans in progress
• [STRIKE]check ebay [/STRIKE]– I am currently trying to get some cheap craft stuff and also have items on for sale
• [STRIKE]all meals from stores[/STRIKE] – Indian meal from asda for dinner
• [STRIKE]surveys and check one poll[/STRIKE] 20p made
• [STRIKE]check asda price guarantee[/STRIKE] £1.70 claimed
• [STRIKE]post tester item and sort paperwork[/STRIKE]
• look into maximising quidco
• check the date for the local jumble sale- hoping to get some cheap items that I can make things from
• look for local craft fairs
• [STRIKE]do some work on the craft project [/STRIKE]– I am currently doing a painting and also need to mend a pair of dd’s trousers

Nottoobadyet

Hello everyone! Lovely to see the thread was hoping over the weekend.

Big news on the job front - I've had two interviews with a great organization and they are flying me to the Gambia for a face to face meeting next week, so I hope that means it practically in the bag!! Full of eek as if it works out it will be a big pay raise (double!) and a very exciting opportunity to spend lots of time travelling part of the world I've never really been to. Would appreciate any positive wishing thoughts you all could spare!

Anyway, need to keep head down on the day to day here. OH is away for work for a few weeks (!!!) and my mum is coming for a visit on Friday (!!!).

Today:
- try to focus on work!
- correspond with recruiter who is doing the salary negotiations for me
- send in written test which I did over the weekend
- check banking and update budget
- call up and make last few bookings for mums visit
- buy a pumpkin to make soup tonight
- call vet to work out doggie passport steps
- pick up my learners permit at driving school

Hugs to all!

determined_new_ms

OH HOW EXCITING NTBY!!!! Everything crossed for you! How will that work with oh? x

natlie

Hi All
Thanks BT1
Good news NTBY
Good luck with jobs LaE

NSD for me today! lunch in work Broc and stilton soup and got lunch in work stores - all canned for the rest of the week

Making a mexican lasagne tonight - basically a load of veggies and beans in a lasagne dish and using an enchilada kit instead of pasta and cheese sauce

Free desserts for dessert - worked two shifts in the restaurant and they gave us the spare desserts at the end of the night grabbed - a meringe gateau, chocolate tart, lemon and marscapone tart and tiramisu yum!

Need to get MOT booked in

Need to sort out DH car insurance renewal

Thats it I think apart from some cleaning and DD1 is home from her weekend in France later
Nat

Nottoobadyet

determined_new_ms wrote: »

OH HOW EXCITING NTBY!!!! Everything crossed for you! How will that work with oh? x

Thanks :T:T He's up for a change too, so hopefully this is the start of a whole new exciting bit of our lives.

Trying not to get my hopes toooo far up as nothing is for sure yet... but inside I'm all

faceuptoit

Afternoon all and congrats NTBY.

-check online banking and update spend spreadsheet
-spend less than £2 on lunch (spent £0.85)
-free breakfast, hot and cold drinks from work
-free travelcards came through OH's job :j
-pay my sister £35 owed

bt1

Nottoobadyet wrote: »

Hello everyone! Lovely to see the thread was hoping over the weekend.

Big news on the job front - I've had two interviews with a great organization and they are flying me to the Gambia for a face to face meeting next week, so I hope that means it practically in the bag!! Full of eek as if it works out it will be a big pay raise (double!) and a very exciting opportunity to spend lots of time travelling part of the world I've never really been to. Would appreciate any positive wishing thoughts you all could spare!

Best of luck!!! I've been to the gambia a couple of times- loved it!! X