Thursday 12th July - What small DFW things will you do?!?

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 I can't believe its only Thursday! How long is this week????

Hope everyone is chipper and the sun is shining - rained so hard here yesterday :eek:

Things for today:

• [STRIKE]checked banking[/STRIKE]
• [STRIKE]transferred £5.85 from TCB to cc[/STRIKE]
• all meals from stores
• quick shower
• update expenses
• check onepoll & SB
• stick to diet
• continue to obsessively check ebay - 5 out of 6 items have watchers - 2 have 6! Wish people would bid before the last moments though! (obviously not when I'm buying!)
• free coffee at work
• call santander and ask what's going on with my old ISA transfer
• [STRIKE]chicken out of freezer for dinner tonight[/STRIKE]

• ebay at least 2 items
• have just shaved another £14.50 off of the cc bill - oh reminded me a meal we went out for is coming out of the joint acc :j
  • post ebay sale
  • go to gym after work

Ok that's all I can think of... Have a great day - hope it goes quickly!

bt1

You just beat me!!

Attempted to go running last night, did about 2 strides and then I starting getting a stabbing pain in my hip. I went home to bed and it's feeling better today! Phew! So I'm going to go swimming tonight, will be 2/10 to cover the cost of the joining fee!!

List for today:
- check bank
- check cc
- PAD
- lunch from home
- 2l of water
- call vanquis for the 4th time as I still haven't received the credit in my account!
- print of ACCA notes, didn't get a chance yesterday- was so busy!

Will probably add more stuff later

X

carrielovesfanta

Bonjour all!

Thanks to DNMS for starting us off. i'm glad I'm not the only one who feels like it should be Friday this week!

bt - hope the hip is ok

Well I am feeling pleased today, I am back down to 9 stone 13lbs exactly today and OH is under 14 stone so we are both chuffed.

Today's mse things are:

Check online banking

Update spends spreadsheet to reflect money spent yesterday

Breakfast, lunch and dinner from stores

Keep up with the diet!

Charging phone as always

Trying to think of some more mse stuff. Really should find out how to sell on ebay. It seems difficult but everyone else appears to manage it!

Have an good day all

Nottoobadyet

good morning, ladies!

DNMS good luck on the ebaying
ET1 Yikes, was it a muscle sort of pain or a joint pain? do you get any pain at all there while swimming?
Great news on the weight loss, Carrie! What's your secret?

Hello all, have been in the field for the last few days. Before I left I confessed my job hunt to my boss and he totally mucked everything up by offering me something amazing if I stay! Less money but experience that I really want and dont know how Id get otherwise.

Now I'm very conflicted and dont know what Im going to do. Doesnt help that OH is in China and isnt answering my emails.

I just set myself a new challenge in my siggy - seems sort of crazy, especially if I stay here, but good to dream big I suppose.

Anyway, in MSE today:

- bike everywhere, think I can get another day or two out of this tank
- work travel has totally mucked up meal plan, but buy a pumpkin tonight and make soup for tea
- gym in eve (have just started doing training with the big gents barbells- its changed my shape almost instantly! will keep it up for sure)
- do some consulting work in eve
- torment self over job decision, ask advice from those I can!
- book taxi to pick up mum from Airport on Friday
- sort out expenses for trip as I didnt have time to do them in advance

Thanks, everyone.

carrielovesfanta

Nototbadyet - eek at the job dilemma! My advice is to go with your gut instinct, but obviously cannot really comment on your situation as have never been begged to stay anywhere :rotfl:

As for the weightloss, I like to calorie count. Plus have cut down on the wine :beer: (hic) as cannot "afford" the calories. I'm quite mathematical so all the numbers and graphs suit my way of thinking!

kjp

*slinks back in with tail between legs...*

Hello!

I think it's been about 6 weeks since I last posted on this thread, and I'm afraid to say I've fallen off the wagon whilst the debt hasn't increased by much, it still has increased, and it's all been on non-essential spending (however much I managed to convince myself I needed new work clothes at the time!)

However - no point dwelling on the past, so back on the wagon firmly now! Should be able to pay most of the additional CC spends off on payday, as long as I'm good this month and next. So...

Today I will:
Check banks
Check CCs - all expenditure cleared now
Work out budget for next month
Fill up at cheaper petrol station
Check TCB - think I've a few pennies coming to me from there, every little helps!
Food from stores
Fill in calorie tracker (another thing that's gone by the wayside...!)
List a few things on Ebay - getting back into the swing of things by relisting a few rather than going completely into the Ebay process!
Work out how many storage boxes I need from Matalan, and stop by on way home from work to pick them up
Start sorting out bedroom/wardrobe...
2lt water
Catch up on some old threads to see what's been happening!
Work hard!

Thanks to DNMS for starting the thread, congrats on your weight loss Carrie and Mr Carrie, ouch! on the hip BT, take care of yourself and NTBY - hope you don't torment too much over the job decision, whilst the new post may be lower paid, if it's going to help in the long run or is something you'll regret not going for then definitely worth a punt!

Have a great day all!

Kxx

La_escocesa

Hi everyone :wave:

I've calmed down since last night Thanks DNMS for your words OH was extra good this morning and got up at 6am to do my early morning breakfast shift with the dog :T I got a whole half hour extra in bed

Other small things:
- Can of soup for lunch
- Tinned fruit snack - works out better for me - end up throwing fruit away as it tends to go off before I eat it
- HM curry for tea with HM chipati thingies
- Posting a game OH sold in the smallest envelope I can find - it'll pass as a large letter now
- Reading more miss minimalist and thinking about clearing out
- Looking into trading books with @mazon - thanks for the tip from yesterday - have a whole bookcase of old paperbacks at mum's house - picking them up next weekend to sell - either @mazon/@mazon swap or green met methinks
- Checking for surveys/MSs - lots of invites so hopefully I'll get picked for a couple…
- Having a long soak in the tub and a bit of a pamper night tonight
- Checking out free Kindle books for said soak :cool:

Have a good day everyone

runninglea

Hi - managed to get up early enough to cycle the 14 miles to work

need to set off early to miss the rush hour traffic, hopefully will be able to finish at 4.15 to miss traffic on way home.

So saved 28 miles of petrol, had breakie at work

MinnieMousesMummy

Good afternoon,
DNMS – Thanks for starting us off today. Carrie - Congratulations on the weight loss.



Things for today:

• all meals from stores
• surveys and one poll
• check ebay and leave feedback but need to contact one selling prior to leaving feedback
• type up sheets for dh’s work and print them off
• clean the bathroom and dust the skirting and ceiling
• work on craft projects
• look into invoice for last months work.

Bagpuss741

Today I have/will:

1. Checked online banking
2. Onepoll/swagbucks
3. Went to M&S sale but couldn't get the shoes I wanted as the 4 were to small and the 5 too bid and they didn't do 1/2 sizes so £15 saved:)
4. Check out freebies board
5. Put money in mot/service fund ready for next month (first year of not putting it on a credit card)

ziggy2407

Good Afternoon All

DNMS - Thanks for starting us off
Carrie - Congrats on the weight loss :T
NTBY - Tough decision

Havent really achieved much this morning as hairdresser came and then after work went to see mum . Enough waffle, todays little list

Hairdresser visit - Done, lots cheaper than salon
Check Banks - Done
Check swapits - Done
Take curtains to be dry-cleaned - Done, amazing managed to save £25
Ironing
Re-list all items for sale -
Work (11.30 - 1.30) - Done
Comps -
Keep up to date with surveys -
Keep on top of emails -
Quick tidy round - Done
Update food tracker (38lb off) - in progress
Meals from stores -
Read (The Ice Cream Girls (from stash)) - in progress