Wednesday 25th July - What Small DFW Things Will You Do Today??!!

kjp

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 all!

Payday today, yippee!

Hope you're all well and happy belated birthday and anniversary to Ziggy for yesterday!

Today I will:
Check banks
Do the payday dance
Check CCs later to see if payments have hit
Check TCB
Check Ebay
2lt water
NSD apart from petrol - drive carefully to get to cheap station!
Work hard!
Food from stores
Babysit tonight - cousin so no ££ but usually some nice treats around!
OU
Pop onto bank at lunchtime to finish payday dance

Think that's it for me, have a great one all - sun again! Weird!

Kxx

bt1

Morning kjp and happy birthday/anniversary to ziggy for yesterday.

Had a bit of a lazy evening yesterday, so really want to get my butt into gear today.

• Check banks and cc - 2 SLEEPS TIL PAYDAY! (I'm getting desperate now)
• Look at budget for August (doing this now) - all done I think. Going to be v tight but I must stick to it!!
• Lunch- I didn't have time to make anyone this morning so will probably pop to tesco to get something cheap, then go sit in a park and enjoy the sun! - i got distracted by mcd! Baaaad!!!
• Try and go swimming tonight depending on what time I get home - left work on time so will definitely go tonight Bain to swim 1 mile.
• So a timetable for studying for December exams - I want to be organised this time!
• Hopefully envirofone cheque will be waiting for me when I get in (planning to pay off a bit of the small credit card!

OrangeFairy

Morning KJP and Bt . Bt i'm desperate for payday too. We should be paid friday!

Another gorgeous day here though i am at work today :(:( Hubby is off work though so he said he will do something nice with the kids - just jealous i wont be there

Today

Lunch - left over leek bake from last night
Dinner from stores
Hubby will no doubt do a cheap activity with the kids
Walk to work
Surveys
check banking
check jobsites
NSD!
Resist temptation to argue with my boss today
Update spends book
Arrange cheque to bay Ballet fees.
Get hubby to check money he has left for overpayment - it is his payday today

KJP you have reminding me - drink lots of water

determined_new_ms

Morning gang thanks for starting us off kjp! back to work for me today, yesterday was a lovely day pottered around (dd didn't return home for interview :mad: its a sore subject here) and then I went off to the beach, found a tenner in my purse I had forgotten about so purchased a cider and laid on the beach for hours, oh joined me after work :T bliss!

Today's endeavours

• [STRIKE]all meals from stores - beef out of freezer for dinner[/STRIKE]
• [STRIKE]checked anking[/STRIKE] - have a credit for £56.14 from E.on??? No idea why but that beaut is going straight into the festival fund
• [STRIKE]onepoll & swagbucks throughout the day[/STRIKE]
• [STRIKE]stick to diet, eat fruit [/STRIKE](tinned pinapple is coming to work with me!) and drink water! pineapple lives for another day, realised I had peaches at work mmmm
• [STRIKE]read martin's newsletter[/STRIKE]
• [STRIKE]wrap and post hulahoop[/STRIKE] [COLOR="rgb(255, 0, 255)"]wrapped it got to the po and postage was £11 :eek: refunded the buyer and relisted as collection only! [/COLOR]
• [STRIKE]go to the park after work while the sun is shining[/STRIKE]
• [STRIKE]go to the gym this evening[/STRIKE]
• iron, take pics and then list on ebay - so dull! [COLOR="rgb(255, 0, 255)"]nope [/COLOR]

[COLOR="rgb(255, 0, 255)"]also went grocery shopping and got loads of bits reduce - bread for 29p so got 2 and froze, croissants, muffins, things for stire fry tomorrow. Spent £63 :eek:

took the bottles to the bank

just going to go wash up (not let the water got cold! ), make a picnic for tomorrow as meeting friend and her new baby (2 months! ) in the park for lunch and then dive in the shower. hope you all had a good day x[/COLOR]

Think that's my lot, better get moving! x

pixiechick99

determined_new_ms wrote: »

[*]wrap and post hulahoop

! x

This made me laugh!!! Good luck with wrapping that :rotfl:

La_escocesa

Hi everyone :hello:

Ziggy - Happy Birthday and anniversary for yesterday. Sounds like a fabby day

DNMS - Paris would be lovely… Did your watch sell in the end? That would go some way towards it. I've found bottles of perfume can go for quite a lot too… You know what I'm like though - not having much joy with my sales at the min! Sorry to hear about your DD

Pixie & OF - nice to see you posting

Here’s me:

• Asked sis to apply for a TV show avec moi
• Entered a gambling syndicate in the hope that it pays off :rotfl:
• Bought lotto ticket for Friday - surely it's gotta be me!!
• Got paid £232 extra this month :T
• Kept my eye out for other jobs
• Almost finished another mystery shop report - just need to wait for the refund to be paid
• Signed up for more mystery shops
• Transferred pay pal money to OH - he's off to buy a hedge trimmer with our e bay and survey money :T - Kinda like it's free
• Free cuppa in work x3
• Look for something cheap for lunch
• Look out what to sell - my old game boy colour and some games and some books I found in mum's house at the weekend. Listed a few bits and bobs...

MinnieMousesMummy

Good morning, It is a lovely sunny day here today.
kjp – Thanks for starting us off today.
Ziggy – Happy birthday/anniversary for yesterday, Hope you had a good day.

My list for today:

• Quick shower rather than a bath
• Check bank and update spend sheet
• All meals from stores
• Surveys and One poll
• Swagbucks and Superpoints
• Read Martins email
• Find and package up sold items
• Find an old notebook – Going to set my self targets to make money from home and will use an old book to keep a track on it all
• Do work on web reviews
• Check and water veg plants
• Sort through course work and organise what needs to be done
• Work on some craft projects
• Clean and tidy the bedroom and change the bed
• Move everything to new email account and cancel website that I no longer use, I only have it open for the email account
• Take dd for a walk and possibly go to the park
• Update task list for this month and make a start on the list for August

I think that is everything for today. Hope everyone has a good Wednesday x

Bagpuss741

Today I have/will:

1. Checked online banking
2. Took my nan to her chiropodist appt. and got given £5 petrol money so put that into bank account.
3. Bought a scratchcard and won £10:j Gave half to my mother and put £5 into bank account.
4. You Gov surveys
5. Onepoll surveys
6. Walked dog before it got too hot for her (Bless her she's lying on the kitchen floor trying to cool down)
7. Read more of Jo Nesbo
8. Pay £10 off Tesco credit card
9. Adjust snowball
10. Store cupboard meals
11. Drink plenty of water/vimto

Determined new Ms: Good luck wrapping that hoola hoop:rotfl:

princess_pea

Hi Everyone, I haven't been on here for a couple of weeks and unfortunately have had a bit of a wobble. I've spent on my credit card again and feel massively disappointed in myself. I should have concentrated on posting on here and keeping on the straight and narrow! We ran out of money so I put a food shop on it, but also bought some train tickets to visit some friends, a birthday present for my boyfriend's sister and a skirt and top for me!

I am really disappointed with myself, but on the plus side the only way is up from here! I don't want to cut the card up as it is meant to be for emergencies (for example if I needed to travel and see my family who live at the other end of the country). I have taken it out of my purse again and hidden it at the back of a drawer. I just need to forget it is there!

Time to get back on the band waggon today...

Check banks

Make a payment on credit card

Chase paypal payment - withdrew grand total of £8 on Monday night but there is something wrong with their system so it still says "processing"

Take bag of stuff which isn't really worth trying to ebay to the charity shop

Small food shop for essentials (bread, milk, NO cakes!)

Plan everything I need to do in the 3 weeks annual leave I have just started! :j

Remember that many people might have a wobble but it can be turned around... Hopefully it will make me more determined to dump this debt!

Have a great day everyone :T

La_escocesa

princess_pea wrote: »

Hi Everyone, I haven't been on here for a couple of weeks and unfortunately have had a bit of a wobble. I've spent on my credit card again and feel massively disappointed in myself. I should have concentrated on posting on here and keeping on the straight and narrow! We ran out of money so I put a food shop on it, but also bought some train tickets to visit some friends, a birthday present for my boyfriend's sister and a skirt and top for me!

I am really disappointed with myself, but on the plus side the only way is up from here! I don't want to cut the card up as it is meant to be for emergencies (for example if I needed to travel and see my family who live at the other end of the country). I have taken it out of my purse again and hidden it at the back of a drawer. I just need to forget it is there!

Hi Princess Pea - you sound like me so I know exactly how you feel. Travelling to see family and family birthdays can be difficult to get out of I try to offset it by selling other things and mystery shopping. Next one on the cards is BIL - usually always gets £25 amazon voucher so I'm on a mission to make £25 in the next month for him. That's definitely one I can't get out of - they always get my OH the same back so it's kinda expected.

Pippilongstocking

Hello La E - great advice there!

Morning/afternoon all!

OK today's a worky paperworky day and at home.

So time to do work and also catch up on a bit of declutter/packing housework too in the gaps.

Need:
Check banks
Cut grass if it dries out
*Find purse* currently in a safe place
Do one-poll
Check CC's
Declutter the bathrooms
Box up at least 1 box of books
Declutter more of my clothes.
Donate a bag of girls clothes to a chum's lass
HM meals today
Try and have a NSD - but could do with makign more cordial (need sugar for that)
Decant current cordial a brewing and bottle up.
Clear one bag from Shed of doom
Another freezer raid to see what's lurkign in there.

H0pe you all have a good un! x