Wednesday 18th 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: couldn't believe we weren't started already!!! Bt where are you??!?

So quick posting before I dash off...

• check banking - although not expecting any change
• breakfast & lunch from stores - dinner at friend's. She doesn't drink so think I will grab some juice to take
• check onepoll & swagbucks - have 619SB so think if I really push it this week could order my 1st voucher by the weekend
• check cc2
• quick shower - didn't wash hair I will do that later at swimming pool
• swimming in my lunch break
• read newsletter will order card and print off voucher for L'Oreal
• update mileage

ok think that's me Have a great day, better dash! x

Pippilongstocking

Morning DNM! I'm kicking about soon to go to work - thanks for starting us off. I've been away for such a while I didn't like to do it!


Today - as womble land (recycling charity I work for) calls me to the mother ship - I've got the water on for a shower -

Need
Make lunch
Walk dogs
Focus today and work hard
Go to town to do a few things (combine petrol) - clients grass to cut and some helping at college to keep my hand in
Buy sugar (have vouchers, so hopefully a NSD) to make elderflower cordial
Collect flowers for said cordial
Feed hens and collect eggs
Cut my own grass with the smaller mower
Give darwin a drive
Sort through a few forms in post to do for DD being 16 this week
Arrange a visit with the landlord new lady and sort out lease for new house.
HM tea - probably more tuna fish casserole as I'm not dead today
Sort out another drawer for charity shop/recycling
Begin to make an ebay pile
Walk the dogs
Banks to check
CC to check- PAD of £100 to captain card, £6.40 to Lucifer.
One poll - try and do a few more surveys again and push that figure up to £40 payout
Do more cleaning if I'm really naughty
Do another load or two of washing (kids bedding) as its dry.

Just done a budget via budgetbritian and it was a bit depressing where I was really honest - need to work harder - I'd put up the food spends etc a bit - so maybe its not time for that yet! Oh well back to the grind eh?



So that's me today.............hope you all have a good un!

stitching_witch

Morning DNMS, Pippi and all who follow. I've been debating starting us of but conscious of a double thread. I'm glad you were braver than I am!

List so far:

• breakfast from stores - if two chocolate digestives count as breakfast
• fed and watered the chickens
• checked for surveys - balance only £12 at the moment
• checked banking

I will also:

• have a Stitching Witch day and try to finish at least one order
• think of an eggy dinner as there are 24 on the rack :eek:
• have all meals and snacks from stores
• make a mock Black Forest cake - just chocolate sponge with cherry jam and whipped cream filling, simple but yummy
• keep an eye on surveys
• use bike for appointment in town as it costs pennies in petrol rather than expensive bus. I just *love* living in a village!!!
• fill bike with petrol at a cost of around £10, will last about 2 weeks

My "reasons to give up work" list amounted to an A4 sheet yesterday, but it was shot down in flames by two words from DH - Debt & Rayburn. I still have £4K to clear on my credit cards and also we have a Rayburn sitting in the kitchen which needs renovating and installing. It's been an "ornamental feature" for a year now and really needs to be sorted out so we can use it. So, no notice this month
Still, I have an appointment with the Psychology Therapy Unit today to learn some coping techniques so I may feel more positive by tonight

Have a good day folks
stitchy x

starnac

Morning all

Thanks DNMS for starting the thread.

Hi Pippi that's a big list

Stitchy sorry to hear you had your pretty impressive list shot down by 2 words! Hope your appt is worthwhile

My list today

[STRIKE]Check banking[/STRIKE]
[STRIKE]Daily clicks[/STRIKE]
[STRIKE]Pay builder[/STRIKE]
Don't think about going to work this afternoon
Meals from stores
[STRIKE]Heating on low[/STRIKE]
Water plants in greenhouse (in this weather???)
Ride bike to work Got 2 flat tyres and don't know where the pump is
NSD
do survey in inbox
[STRIKE]Watch DVDs with still poorly DD[/STRIKE]

That's me

Happy Wednesday everyone

MinnieMousesMummy

Good morning,
DNMS – Thanks for starting us off this morning

List for today:

All meals from stores
Catch up with emails
Have a read through martins email
Surveys and check one poll
Check freebies thread
Do work on website reviews
Clean and tidy the bedroom
Washing – full loads only and then hang on the airer as it’s raining
Check ebay and package up orders
LSD, as I will need to pay for Mr K order when delivered Silly me its Thursday that he comes not today.
Do some work on craft projects
Do some course work

La_escocesa

Hi everyone :hello:

Shh, I'm 'working'

Here's me:
- avoided the sandwich shop and made one in work instead
- free cuppa in work
- turned a few things off to see if they made a difference to the leccy OWL - they didn't!
- Walking home from work
- More mystery shopping
- Check for surveys
- See if there is anything to sell
- Spoke to recruitment consultant - £7k extra could be mine if I moved to South East - probably then cost me an extra £7k to live :rotfl:
- Thinking up many a 'get rich quick' scheme

Pinkpenguin

Hi Everyone,

I'm getting so rubbish at posting on here, need to keep at it!! Hope you are all well, miserable day here again, i'm just looking forward to this good weather weve been promised :cool:

Today I have/will:

- Breakfast from stores
- Lift into work this morning
- Lots of free tea and water at work
- Lunch from stores
- Checked bank on lunch break, roll on pay day, 11 days to go
- NSD
- Dinner from Stores
- Make a crumble using some cheap fruit I picked up at supermarket
- Some sort of exercise tonight - swim or run perhaps....
- Early night

Have a good day all,

PP xx

his_missus

Hello all!


Not a huge DFW day for me really.

- needed ibuprofen, had to buy branded pack as chemist had no cheaper ones in stock - £1.95!:eek:
-need to wash bedding (only did it on Sunday!) because cat been sick on it

DFW things though:

- planned next week's menu around budget meals found in old cookery mag, hopefully won't spend much on big shop Fri eve.

- turkey curry for tea using some old looking mushrooms and some turkey steaks found in freezer (at least I think it's turkey, could turn out to be pork when it's defrosted)

- breakfast and lunch from stores

- free water/coffee at work

- surveys to do later

kjp

Hi all,

Just stopping in to keep up the habit - need to get back to posting in the mornings though!

Thanks for starting us off DNMS, Stitchy hope your appt goes well and Starnac hope your DD is better soon!

Today I have or will be about to do:
Check banks
Transfer money from OH to CC
Check CCs
Check TCB
Check Ebay
SB clicks
AAT revision - final exam for level 3 tomorrow night, eek!
Food from stores
Car share to work
Post friend's card with free stamp from surveys - it doesn't matter that it's a Christmas one!
NSD!

Right, off to revise some more and ponder whether I should apply for a job I saw today... Not much of a payrise but probably a welcome change and challenge, been in my current dept for 8 years and this job now for 4, love it to bits but if I think like that I'll never leave, and progression from where I am is very limited as I don't think I have the necessaries to be in a management position. Can't lose anything by applying, anyway!

Have a great night all,
Kxx

ziggy2407

Good Evening All

DNMS - Thanks for starting us off and Hi to everyone else :wave:

Check Banks - Done
Check swapits - Done
Work (11.30 - 1.30) - Done
Quick tidy round - Done
Update food tracker (38lb off) - in progress
Meals from stores - Done
Wallpaper Feature Wall in Lounge - Done, looks fab and didnt take long for me and hubster to do, only woodwork to do now
Read (15 Seconds - Andrew Gross) - in progress

Bit of a feeble list today but have felt extremely "flat", off to bed now and hoping for a better day tomorrow. Hope you have all had a great day, love you all :T

C xx

little_pink_purse

Evening everyone

late in again grr been busy today sadly the rain has been very heavy needed a boat no a ford ka

still feeling yuck iam back to work friday grr

have a great night xxxxlppxxxxxx