Friday (Yippee!!!) 27th 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 :wave: me starting us off again! Can you tell I'm happy its the weekend? I also have the day off as well today :j was debating going in as the weather is going to be rubbish but now the day is here... :rotfl:

OF - sorry that does sound hilariously wrong what your boss/uncle has done! I would be v annoyed!

La E my watch didn't sell again, despite there being 11 watchers??? Not entirely sure why but am taking it as a sign and keeping it! Have been wearing it for the last few weeks and am reminded that I do love it!

Had a letter off of E.on to say we have been overpaying so they have reduced our monthly instalments by £25pm and returned £51 to us, so that explains that. It also says the first payment is on 1st Sept so I'm presuming we won't make a payment in August? If that's the case, including the pittance earned on ebay, we have now fully covered the cost of 1 festival ticket :T bum deal no such luck! Still taking last old amount this month.... Really disappointed as thought we'd managed to get the tickets for less than 1/2 price! although have just counted penny pot and got another £11 together and have a couple of things ending on ebay so we may just do it afterall! Currently the tickets would cost us £62 each (from £112.50) so much effort for so little payout!

Anyway enough rambling!!!

Today's efforts:

• [STRIKE]checked banking[/STRIKE]
• [STRIKE]checked oh's cc and payment has been posted - hurrah no late payment for me! :T[/STRIKE]
• [STRIKE]did vsp and updated sig, will post on the thread in a moment[/STRIKE]
• all meals from stores - get something out of the freezer in a bit
• onepoll & swagbucks
• go to the gym for a gym, swim & sauna session
• [STRIKE]Mrs Flylady a couple of rooms[/STRIKE] phew! have done loads and that's my lot!
• NSD??? Have done really well with these this week I think this will be my 3rd

• [STRIKE]search for a recipe for sweet potatoes to use them up[/STRIKE] found a veg shepherd's pie I can do

[STRIKE]Think I will call E.on and find out - of course will use saynoto0870![/STRIKE]

[STRIKE]First I'm going to go back to bed for an hour and read my book

[/STRIKE]
• [STRIKE]have arranged for someone to come and look at the hula hoop I am selling at 4 - need to clean it up[/STRIKE] sold :T
• [STRIKE]found another £2 for the fund [/STRIKE]
• will thread my own eyebrows rather than paying £5 for it
• shower at the gym later

• [STRIKE]called landlord and booked soe repairs - one to our toilet which means it just keeps flushing! They are coming on Monday[/STRIKE]

La_escocesa

Hi everyone :wave:

Yippee indeed! :j

Thanks for the kick off DNMS!


Here's me:

• Think up my TV quiz show application answers Thinking how to 'describe myself'… - this could take a while :rotfl:
• Free cuppa in work x 2
• Post sale (didn't do this yest…)
• Find something cheap for lunch
• Leftovers for dinner
• Chilled night at home with OH and the puppy
• Think we've found paint in the sale for our bedroom - 2 for £20 on Dulux so £40 should cover it :T
• Using 'Rescue Oil' as a cleanser (oil cleansing method) - much cheaper than Lush's ultrabland, which I love.
• Using Lush solid deodorant - much better than that aluminium aerosol stuff and lasts for ages. (Just thought I may not have mentioned this one before...)

carrielovesfanta

Good morning! Thanks to DNMS for starting us off

Wooo Friday and it's sunny! :j

So I haven't posted for a bit, been very hectic but I have been lurking silently. Not been very mse as such but am holding firm to not spending money I don't have.

After another bumper payment to the cc this month, we are now just over 60% debt free, plus I will have paid off my first cc next month.

Also today I will have finished the hellish project that has been causing me so much overtime (although might miss the £££)

So today's mse things are:

Charge phone in work

Update signature with new totals

Only take £10 to the pub later (celebrating with colleagues that project is finished :beer:)

Try and stick to diet (vodka diet coke later!) as have put 1/2lb back on. But am still only 9 12 (beterr than 10 4!)

Breakfast, lunch and dinner from stores. No excuse here because have tonnes of food in the house.

Think that's about it. Have a good one everybody

Nottoobadyet

Hello everyone

Yay for the early weekend start, DNMS!
Oh my La E I missed that you have a puppy! any chance of photos?
Amazing debt busting, carrie!

I am just back from leave and absolutely exhausted. My mum has been here for two weeks and took a lot of carting around and shuffling, looking forward very much to spending the weekend at home! Had a birthday while she was here and got the very practical present of some much needed drinking glasses. OH (who is travelling) managed to completely forget my birthday, what do you ladies think I should demand as a guilt offering once he's back :rotfl: :rotfl:

Anyway, getting down to that pre-payday scraping so today:

- order knickers to be sent to our london office for someone to bring over
- bike everywhere I need to go
- lunch provided at a meeting, tea at home
- meal plan for week and buy some veg
- mate's house for drinkies this evening
- email estate agent, we want to move house soon!

Happy friday everyone, can't wait for the w/e!!!

wannabee_in_credit

Hi everyone

Gawd, I can tell I've not been on here in ages, but I can feel myself starting to fall off the wagon again so I need to get back on it again before I get into trouble.
Sorry about my not being on - real life has just been getting in the way for a few weeks... and I haven't been able to find the time.
Still, 5 weeks today until the wedding and OH going back to work next week after 5 months on the sick (I'm so relieved). I'm paying out loads of wedding stuff at the moment and I'm noticing how easy it is just to stick a couple of extra bits and bobs on here and there. Plus it's summer hols to there are children to entertain. I need to get back into planning, and this thread is brilliant for that!
So I hope you'll have me back and here's my list:
Washing done and on line drying
Lunch at a friend's house
Write grocery shopping list and stick to it
Only buy wedding related items on my list, not others because I like them
Just me and the kids tonight (OH away for the weekend) so pizza and a film on telly
Back on flylady wagon
Start keeping my spending diary again.

That's about it for now I think.

determined_new_ms

Happy birthday NTBY!!!! Hope it was mucho fun. Re oh I think I might be tempted to take the higher moral ground and I think you might just get a better bounty anyway - "self induced" guilt is more generous than "forced" I find! :rotfl:

pixiechick99

Good morning lovely ladies:hello::hello::hello:

Happy birthday for whenever it was NTBY:bdaycake:

Nothing much planned for today...am enjoying the lack of rushing about and having to be anywhere...my laziness is showing:D

Ok, here's my list:
:)Check banking - wages in, had some overtime but not as much as I'd thought as I got taxed:(
:)washing is on the quick, economy wash- will go on the line of course:p
:)Meal from plan tonight - hm chicken curry
:)Chicken out of freezer defrosting now
:)Await delivery of my shiny new vacuum cleaner...and then use it to do the whole house:beer: OF - I went for a M0rphy Richards 'Never loses suction' one....funny looking thing, but has great reviews. I'm easily pleased:rotfl:
:)Check eBay listings

Ok, that's all for now I think. I also must get organised and start my new diary as I've been meaning to since we moved house 7 weeks ago;) I need help with a title...any ideas?:D

Have a lovely day:T

Pippilongstocking

Hey up all!

Hello to you happy afternoon - I'm late today

Hmm

Normal plan is as follows

Take lunch from stores (check!)
Brekkie from home (check)
Walk dogs/feed hens (check, check)

Need to
[STRIKE]

Check banks


Check cc's
[/STRIKE]
Phone about battery for mower
Declutter more
Pack more books - can I finish it???
Help OH lay a carpet or just leave him to it.
Collect eggs and sell some to chums must text them
Freeze reduced milk
Freezer surf for later's tea.


Hmm aside pack a few more boxes I think that's all I can do there. Except maybe skype pesky on holiday kids in france.

Hope you all have a good one.

Happy birthday NTBY

Karb

Hi everyone.

Thanks Ziggy for asking about me the other day. I haven't been online recently. Just been horribly busy so no time to post.

One week to pay day. so trying to be very frugal over the next few days. Hopefully the weather will stay good so I can try to get the gardens sorted out over the weekend.

Hugs to everyone that needs them. Have a great day.

MinnieMousesMummy

Good afternoon everyone, It is a lovely sunny day here today and so far it has been a rather hectic day, however I best get used to it as this weekend is going to be very busy.
DNMS – Thanks for starting us off this morning




My list for today:

• [STRIKE]Check banking and update spend sheet[/STRIKE] Better than expected therefore I am happy lady today, it feels good having money at this time of the month, its the first time for a long time.
• [STRIKE]Hairdresser for dd and me[/STRIKE]
• [STRIKE]Update tester paperwork[/STRIKE]
• [STRIKE]Go to local jumble sale and look for material for crafts[/STRIKE] Didn't get anything so saved a bit of money. The prices were too high so will get elsewhere.
• [STRIKE]Work on web reviews[/STRIKE]
• [STRIKE]Surveys and One Poll[/STRIKE]
• [STRIKE]New washing machine getting delivered today [/STRIKE]- not mse but will save me some money as new one has a delay switch so can program to come on at off peak times and the other one was broken.
• Find, package and post the sold items
• Frozen food shopping armed with a list
• [STRIKE]Do weekly shop online armed with a list[/STRIKE]
• [STRIKE]Go to the bank and sort out name on my account [/STRIKE](still trying to change things to Mrs) Easier than I thought and I also paid in the cheques that I have had for the past few weeks £150
• [STRIKE]All meals from stores [/STRIKE]- Beef grills, oniion rings and chips for dinner
• [STRIKE]Do some of the washing and try out the new machine[/STRIKE]
• Visit to DIY store to get paint for dd’s bedroom – will do this whilst out doing shopping as will save on fuel
• [STRIKE]Collect free item for dd[/STRIKE]
• Declutter dd’s bedroom and get it ready for painting
• Cut the grass and tidy the garden Work in Progress

I think that is everything that I need to get done today. Hope everyone has a good Friday x

Pernicious

Hiya,

Thanks DNMS for starting us, glad E.on have sorted you out, albeit too late!
La escocesa - Do you mind talking me through your skin care routine? Sounds interesting!
NTBY - A belated happy birthday! It seems once again DNMS has good advice about your OH.
Wannabee - Good luck with holding back on the wedding spending, it's sooo difficult but you can do it!

Today I have/will:-

• All food from stores
• Leftovers for lunch
• Make use of free water at work
• Log calories using free app
• Charge phone at work
• Check online banking
• Pay £250 off CC H & update signature
• Hubby doing overtime again tonight
• Go to second job

Have a great MSE day everyone x