Thursday 26th July - What Small DFW Things Will You Do Today??!!

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 campers :wave: hope everyone is raring to go and up for it :j on this penultimate day of the week yay! Have so much on at work the day should speed by

LPP everything was calm after the initial half hour, no point in going on but was frustrated with her!

La E the watch ends today. I listed it, it had 11 watchers but no one bid. So listed it again and again it has 10 watchers and no bids :undecided really hope it goes as that would bring the cost of the tickets down considerably!

Lovely to see everyone yesterday - we are going through a dry spell with the posters at the moment!

Anyway my things for the day:

• [STRIKE]check banking[/STRIKE]
• [STRIKE]make up picnic for lunch. Am meeting my friend with her 2 month old baby, first
  time I've met her :T, for a picnic in the park at lunch (frugal lunch date! )[/STRIKE]
• swagbucks & onepoll
• [STRIKE]quick shower[/STRIKE]
• wash up before I go to work
• [STRIKE]post off letter to close savings account[/STRIKE]
• go for a run after work
• eeek realised payment to oh's cc is due tomorrow :eek: set up a faster paymment and hope it arrives in time...
• just done a house clean for a new house we have coming on and got some fabric conditioner, washing powder, sandwich bags and a telephone (which I will probably sell on ebay )

that's all I can think of! Have a great everyone x

bt1

Morning. This week is going so sloooow!





List:

• [STRIKE]Check bank and cc (1 SLEEP TIL PAYDAY!)[/STRIKE]
• [STRIKE]Lunch from home[/STRIKE]
• [STRIKE]Still no cheque from envirofone so need to chase them.[/STRIKE] - it came today! will bank tomorrow
• Download more ACCA videos so can watch then on the train. I plan to start studying on Saturday
• [STRIKE]Maybe work late to get through a pile of filing I've been puttin off[/STRIKE] - scrap this, going to meet bf on way to his interview
• [STRIKE]NSD - so far so good![/STRIKE]
• [STRIKE]Call Vanquis to chase refund [/STRIKE]- called and apparently they cant give out refunds under £5 and were going to write off my £3 credit!! I went mad and they are sending me a cheque!
• do some washing tonight to hang up on line before work tomorrow
• make lunch for tomorrow

PurpleFairy26

Morning All - thanks for starting us DNMS

:j to all those who have not been around reposting - encouraged me to come out of lurkedom

My list for today:

Couple of hours work from home before meeting in nearby town. WIll have lunch at meeting (on expenses)
Update last months expenses and submit - need to remember item bought on my own card as my work one was maxed out
One load of washing just finished - hang out - try and get final two done and dry in the sun :j
Updated banking spreadsheet and moved some money from savings accounts to pay for items where I 'bank' some each month, like presents
Post 1 fleabay parcel that the buyer has eventually paid. Take my winnings out of paypal I think and over pay loan :rotfl:they won't know what to do with my £20
Try and list some more things through Amazon trade in, now I have had credit for my first 7 books. Going to do some more books, some games and maybe some DVDs (not sure if they take these)
Send reminder to last fleabayer who has still not paid
Try and list another 10 things tonight
Cook chicken carcass for stock - use any past best veggies - if not, think I have some brocolli stalks in freezer I can chuck in

Think that's me - have a great day everyone and enjoy the sunshine:)

cookiedough38

Yet another beautiful day today. Not very cost effective but I reserved a kitten yesterday. So today I am off to buy some bits and pieces for it later although thanks to cake orders and selling things on fb I should cover everything with out effecting any money from my bank account going onto my debts.

So here goes my day today consists of

- deliver cake order at 10
- top being collected at 10.30
- pick up second hand kitten scratch post and toys
- check bank, very and littlewoods accounts
- make daily payments on accounts
- friend is delivering a wedding cake stand in exchange for a box of cupcakes
- find more things to list on buy and sell groups

OrangeFairy

Morning all

Thanks for starting us off DNMS, I hope you enjoy your picnic lunch.

Feeling a bit lazy! I am still lying in bed! Hubby has gone to work and the girls are pottering around. This is the first summer holiday morning I don't need to be off an out somewhere.

Today

Check 2010 lottery numbers (going back to see how much money our boss has taken from our lottery syndicate!!!!:mad:)
Think of something to do with the kids
Picnic
Check banking
Check jobsites
Surveys
Ask hubby what £ he has left
Email my best friend
LSD hopefully
Bit of housework
Kids to swimming club later
Wash DDs hair at swimming
Decide on something frOm stores for dinner

Better get up I suppose

stitching_witch

Morning all. Yesterday was a Grandma day and a bit expensive to boot!! Drove an hour to the beach with DGS mother, 2 other adults and three children then spent an hour looking for a parking space. Eventually she agreed to turn back to the New Forset and, after three hours in the cars, had a wonderful afternoon spashing about in the streams and watching the ponies. And plenty of shade too


My list for today so far:

• fed and watered the chickens
• made packed lunch for work
• used motorbike for work as cheaper than the car
• checked for surveys

I will also:

• check banking
• keep an eye on surveys during the day
• drink free coffee & water at work
• go for a walk at lunch time
• look for DH's last year's paperwork - still haven't done Tax Credit renewal :eek::eek:
• stick credit card in some water in the freezer tonight - I MUST stop using it!!!!
• dinner from stores

Hope everyone has a good day,
stitchy x

MinnieMousesMummy

Good morning (just), Its another lovely sunny day here today and I have decided to have a bit of a lazy day as its going to be a hectic one tomorrow.
DNMS – Thanks for starting us of this morning



My things for today:

• [STRIKE]Do some of the ironing pile[/STRIKE]
• [STRIKE]All meals from stores[/STRIKE]
• [STRIKE]Sort the tax credit renewal and update recent changes[/STRIKE] Was on hold for ages but managed to get someone helpful when I got through
• [STRIKE]Sort through task list for July and make a note of what still needs to be done[/STRIKE]
• Start work on task list for August
• Organise course work and schedule required work Work in Progress
• [STRIKE]Surveys and One poll[/STRIKE]
• [STRIKE]Superpoints and Swagbucks[/STRIKE]
• [STRIKE]Phone Argos regarding the missing gift voucher[/STRIKE] I should receive it within 48 hours so I will wait and see what happens
• [STRIKE]Work on the web reviews[/STRIKE]
• [STRIKE]Work on craft projects[/STRIKE]
• [STRIKE]Quiet night in tonight and play some free bingo[/STRIKE]

I think that is everything that I need to get done today. Have a good Thursday x

Pernicious

Hi everyone,

Thanks DNMS for starting us, enjoy your picnic - great idea!
Thank you Ziggy & OrangeFairy for the warm welcome yesterday, the wedding was lovely thanks - we were so lucky with the weather! OF what's this about your boss stealing??
Hi Jonno, welcome back!

Today I have/will:-

• All food from stores
• Make use of free water at work
• Log calories using free app
• Charge phone at work
• Check online banking
• 1 hour min of decluttering
• Look into cost of doing AAT
• Research cheapest car insurance for the year

Have a great MSE day everyone x

La_escocesa

Hi everyone :wave:

Here's me:
Pay in a cheque - £34
Post an @mazon sale - £4
List more things to sell
Look out for cheap lunch
Look into my TV game show application!! You've gotta love my 'thinking-up-ways-to-get-money' determination :rotfl:
Paid £1 into my new gambling syndicate :cool:
Chilled night at home - tidying round & spending time with the pup

Happy Thursday everyone

Pippilongstocking

Hey up late of the mark today I am!

Hello up there - La E well done on getting pennies in the bank. Pern good luck with the car insurance......MMM enjoy the lazy day and the free bingo......Stitching witch enjoy freezing the cc - remember to wrap it first or you'll still be able to read the number!!! Glad you had fun but ergh to long looking for carparks! Orange Fairy I hope you enjoy your 'not needing to be anywhere day' Jonno you sound really busy - hope you get a breather in all of that! BT1, hope today speeds up for you and 'enjoy?' the ACCA videos - if you can! CookieD enjoy the kitten!

And, DNM - great motivational speech to get everyone going! I hope you get some time to get your feet up today!!!


Today me

Hmm - most of yesterdays list applies....
box of books to pack at least one
Pack up spare bedding
Banks checked and cc's checked - all evil and as expected - new house deposit out.
Combined a trip for town essentials with recycling stuff, a walk with a pal and a trip to the college to pick some veg from my illict veg plots.
Bought heavy duty green bags for packing so I can scribble on them with a permanent pen.
3 bags to charity shop
HM lunch (home made mcmuffins, with hm patties and eggs)
Collect eggs
HM tea - not sure what yet.
Must cut the grass but CBA - will try and get motivated.
Wonder if having a bonfire will help but the clouds are thickening.
Try and skype kids later on (free) ages til they are back
Must make cheapo brownies for tomorrow for work
Declutter at least one cupboard and try make the place look respectable - its chaos here.

Ah so much to do, so little movitation, I really want my deposit back from this house so we need to make it spick and span and declutter asap to give a months notice on Tuesday.

*asks motivational fairies for help*

Have a great one!

Nelsonsmum

Hey all, some very productive days all round.
My list for today has been:
Feed and water animals
Dr appt
Sign on for JSA
Join local library to stop me buying books on kindle.
Sort out dinner
Make banoffee pie for OH

Then chill out on here and figure out some ways to make more money.