Tuesday 17th 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!

I crashed out last night, was so tired! Managed to get up early again today tho

List:
- check bank and transfer rounding to cc
- check cc
- lunch - work lunch but will keep cheap and use taste card
- try and get to post office to send back bf present
- swimming tonight, will try and stay in for an hour
- work hard
- another early night
- NSD apart from lunch

determined_new_ms

Morning bt, thanks for starting us off!

Me today:

* [STRIKE]check banking[/STRIKE]
* [STRIKE]check ccs[/STRIKE]
* pay money into bank
* [STRIKE]transfer money out of savings for ariel repair[/STRIKE]
* check onepoll & swagbucks
* all meals from stores
* meeting best friend after work, will text and see if she wants to go for a walk as the sun is shining
* list a couple of things on ebay

ok that's my lot! x

Lost_and_nervous

I am back again, and what a busy day I am looking to have...

- meals from stores
- list a couple of bits on ebay
- start sorting through bits for our week visiting family next week
- work hard at work
- drive economically
- do some exercise
- update diary

And enjoy the sunshine

Have a good day everyone

stitching_witch

Good morning all, and thanks to bt1 for starting us offtoday.

Not much happening in the world of the Witch so my list is small today. So far:

· healthy, filling breakfast so I don’t go and buy a croissant from the bakery
· made packed lunches for DH and myself
· fed and watered the chickens
· got a lift to work with a colleague

I will also:

· keep an eye on surveys throughout the day
· drink free coffee at work
· knit at lunchtime to avoid the shops
· lift home with colleague
· dinner from stores
· check banking – should still be in the black –just!
· write down my arguments for handing in my notice at the end of the month – okay, this is not very MSE at all, but I think it NEEDS to be done to protect my mental health

Nothing too outlandish there (apart from the last point)so time to get on with some work I suppose….

stitchy x

Pippilongstocking

Hello there - stitching witch I hope you fine positive arguments to protecting your mental health x

Me today

Hmm

Home working - saves petrol
Might need to go out later but will combine trips to save petrol
Hens fed, collect eggs later and text a chum to see if she wants any or might fb her and that's free
Cleaning to do - most of the house - stuffs here so free exercise too?
Need do a freezer list (once I can get into the freezer - and meal plan)
Need to clear a path to the freezer utility room full of holiday stuff which needs put away or washed.
Dry stuff outside today - dry and sunny here - 3 loads out. Fingers crossed
Walk dogs locally and save petrol
Brekkie/Lunch and tea at home
might go to exercise class later or maybe just use my bike?
Organise cleaning/laundry stuff - to see if I actually need to buy anything - NOPE! FOUND LOTS STASHED
Declutter one box/drawer or something today and found £4.50 - didn't do well on this yesterday - only managed to put recycling in the car but didn't do it - lol
Check banks etc and make a PAD if I can - £75 to lucifer cc.

Have a great one everyone!

Sounds like I need a life inventory? Probably! Kids away for 5 weeks so I need to sort/decultter when they've gone.

PS check one poll - 40p surveys done thank you Stitchy and DDNM - I keep forgetting about that one - I'm half way there for one poll.

little_pink_purse

Morning

well its not raining here but no sun here grr
but i will get the washing out

so monday i spent the day doing loads of paper work
iam hoping to be below 12k for xmas xx

so today todo
meals from stores
phone a few companys for updated balances
pick mum and dad up for tea and shopping

sadly i finished my meds 2 days all the pain in my ear and throat and chest are back so it will be a doc appt on wednesday

better go and move it talk soon xxxxxxlppxxxxxx

Nottoobadyet

Hello everyone!
Thanks for starting us, BT.
its great how much bestie time you get, DNMS, I need to invest more in my friend-making...
Sounds awful, LPP! Hope you feel better.
Exciting news, Stitchy! Good for you, its a brave move but I'm sure it will be for the best.

Big things in the life of NBTY - I've taken the offer to stay on in Uganda, having been offered a big raise and a more interesting role to keep me. I'm massively chuffed, it means that starting in September I'll be saving way more and hopefully building skills that are important career wise. My mum is here visiting and my birthday is on the weekend so feeling like things are going ok

In MSE today:

- Eat all the expensive things at the breakfast buffet for a breakfast meeting Om nom salmon!
- bike everywhere
- book accommodation for trip with mum over the weekend - expensive but she's not here often so splurging a bit
- exchange some money for her while she's away on safari (back tomorrow)
- gym in eve if not too sore from yesterday
- leftover chili for tea

Happy tuesday, all!

MinnieMousesMummy

Good afternoon,
bt1 – Thanks for starting us off this morning.
Yesterday was not a very productive day for me and I have visitors coming this afternoon so doubt I will actually get time to do very much .


Today’s list:

• Clean and tidy the living room
• Do work on web reviews
• Do some craft work
• Check Mr A price guarantee - £5.75 claimed and entered into prize draws
• All meals from stores - Baked potato and salad for dinner tonight
• Do some course work
• Check ebay and package up any orders
• Surveys and check one poll
• Phone the hairdressers reg appointment
• Sort a meal plan for the rest of this week
• Update tester paperwork
• Check the airer and move to the ironing pile
• Get dh to get money out the bank for Mr K as he brings my order tomorrow
• Try and get an early night

starnac

Afternoon all.

Stitchy hope you find good arguaments

NTBY congratulations on the job offer

Little pink purse hope you feel better soon

Pippi - *waves*

My list today

[STRIKE]Check banking[/STRIKE]
Daily clicks
[STRIKE]Be at beck and call of poorly DD[/STRIKE]
Youth club tonight
[STRIKE]Get pictures of wall before paying bill[/STRIKE]
Pay builder
[STRIKE]Meals from stores[/STRIKE] Tea in slow cooker
[STRIKE]Heating on low[/STRIKE]
[STRIKE]Clean kitchen[/STRIKE]

That'll do for me

Happy Tuesday everyone

La_escocesa

Hi everyone :wave:

Here's me:
- Got a bit of a fright when I thought about my cc debt
- Brought lunch to work
- Posted ebay sales - cost 40p more than I charged… Boo!
- Ask about a couple of jobs I saw advertised
- Mystery Shopping on lunch break
- £9 Survey tonight
- Walking home - £1.40 saved

Bagpuss741

Good Afternoon everyone:hello:

Today I have/will:

1. Checked online banking
2. Onepoll (Only £3 to find)
3. NSD
4. Ironing (boohiss)
5. Walked dog locally
6. Storecupboard meals
7. Check freebies board