Monday 13th August 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: gosh Monday comes round so quick doesn't it???! Ah well here it is supposed I'd better make the most of it!

Things for today:
check banking
checked TCB but cash back still not payable even though it's confirmed as being payable from 10/8/12???
all meals from stores, lo pasta bake for lunch Mmm
decide on dinner and get something out of the freezer:
check one poll and sb
go for a run after work
mrs fly lady
iron and take pics of things to eBay
exchange club card vouchers for a cinema ticket :T
make sure everything is turned off at the sockets

Ok that's all me for for today. Have a great Monday y'all x

bt1

Morning. Thanks for starting dnms

I've had a busy week last week and haven't been posting. And I'm falling off the wagon so need to get back on the straight and narrow!

I passed both the ACCA exams I took (just 7 to go) and I got a 2nd interview for that job!

- checked bank. It's not good!! I paid for my December exams and only one will be reimbursed (one is a resit)... (£75 each). I've put my claim in and that'll be paid on Wednesday.
- cc have taken a battering this week.. Left it at home today.
- need to call vanquis as they still haven't paid that £5!!!!
- I forgot I had half day today and brought lunch, so ill eat that on the train home!
- need to go home tonight (been staying at bf for last week)

Can't think of anyone else but will prob update later! Have a good day everyone!!

X

maccymum

hi
i am a newbie here and very inspired by so much helpful advice. it is also very reassuring to know i am not alone in my battle with debt. my plan 2day is.....

to call and make an appointment with the debt advisor (have been putting it off but there are NO magic fairies)

to sit hubby down and talk to him about how serious it is, he knows but is in denial.

hopefully by the end of month we will be in a dmp of some sort and things will seem brighter.

happy monday all xx

Pippilongstocking

Welcome maccymum. Great stuff on here

dnm thanks for the thread...

Hmm plan for the day

Banks done
Cc looked and and ignored (ok but not brilliant)
Sandwiches for lunch made
Dogs walked
Breakfast in progress

Womble land today
Then home to clear out ds room (gulp)
Paperwork to sort out for dd EMA....
Hc to hang up....

Budget to do

Apart from that I might go over spends on groceries for this month as I'm already way over I think......

Whatever you're upto have a great day!

Pippilongstocking

Well done bt1, I invigilating these up north so I know how hard folk work! Congratulations......xx

mumonashoestring

* Check online banking and make sure everything's where it should be
* Hang the laundry up to dry on the airer
* Batch-cook some bolognese and chilli for the freezer
* Take the baby for a nice long walk along the river
* Pick up some baby food to take to my parents' house (no freezer for homemade baby food, but we're getting a free week away!)

frooglefraggle

Hiya all.

In the middle of moving so for me a nightmare between two houses.

Done so far:
brekky for the family.
Made beds
Checked bank account.
Checked Credit Card & Paid off 120.00 as i sold my lawn mower and play frame yesterday. Only 20.00 left to go on it!

Today i have to:
Box up my master bedroom.
Get old clothes together for Cash4clothes
take pictures of decent clothes and list on e-bay tonight.
take pictures of garden stuff such as bike and 10ft swimming pool.
Make a dent on emptying Garage and at least one trip to the tip to get rid of cardboard and stuff.
With only two weeks left of the move starting to panic over time so on... Gulp! so hoping my e-bay stuff goes quickly as am not allowed to clutter up new house!

stitching_witch

Morning all, and thanks to DNMS for starting the thread.

So far today:

• breakfast from stores
• checked banking
• fed and watered the chickens
• made packed lunch
• left purse at home so no spending!!!
• came into work at 7am and did two hours cleaning before starting my proper role - extra £20 for this!

I will also:

• keep an eye on surveys during the day
• claim free DAB radio for putting in an order from a supplier
• drink free coffee/water at work
• left over HM fish cakes for dinner
• spend a couple of hours in the sewing room tonight
• have an NSD

That's all for me....
stitchy x

La_escocesa

Hello there :hello:

Here's me:
- Finished a survey & sent for payment - £23.50 this month
- Picking up Mystery Shopping purchase :cool: (Yay to free clothes…)
- Walking home from work (although did get the bus here… )
- Free cuppa x 2 in work
- HM lunch
- tinned fruit snack
- booked spa day - MIL paying
- deciding what to do about yoga - might see if I can skip the next block to save some £££

xx

wannabee_in_credit

Morning all,
Thanks dnms for starting us, and welcome maccymum.
I had a partly mse weekend. It was my hen do on Saturday which was quite a big one, although I didn't spend a lot of money in the end - it was a fantastic night though.
Then yesterday was a complete write off with my hangover and ended up being my first nsd in ages.
Today I have/will:
[STRIKE]check banking online[/STRIKE]
[STRIKE]email horrid electrical company whose refund cheque I'm still waiting for[/STRIKE]
phone insurance company who promised me a refund last week, which hasn't arrived
[STRIKE]get ds back into nursery - he was off ill all week last week and driving me up the wall now he's better[/STRIKE]
chase up people who owe money for OH stag do this weekend
low/no spend day
diet hard (2 and a bit weeks to go) - food from stores
flylady (even though it was only done through Saturday)
[STRIKE]contact my wedding venue re seating plans and arrangements[/STRIKE]
[STRIKE]contact registrar to see if they need to meet with us before wedding[/STRIKE]
try and get to the gym (no excuses)

Have a good day all
xxxx

MinnieMousesMummy

Good morning. The weather has changed here this morning, as it is a very wet day.
DNMS – Thanks for staring us off this morning.



My list for today:

1. [STRIKE]Check that ds has everything for going back to school tomorrow[/STRIKE]
2. [STRIKE]Catch up with emails[/STRIKE]
3. [STRIKE]Surveys[/STRIKE]
4. SP and SB
5. [STRIKE]Course work as need to get everything covered before assessments tomorrow[/STRIKE]
6. [STRIKE]All meals from stores[/STRIKE]
7. Make use of the peaches that are almost off and make a crumble
8. Clean the bathroom and the kitchen
9. [STRIKE]Check As*a price checker[/STRIKE]I got £4.80
10. Sort the forms for the car that I am selling
11. [STRIKE]Pay some money off loan[/STRIKE]
12. [STRIKE]Contact insurance company and get new car covered[/STRIKE]
13. [STRIKE]Contact some companies regarding change of name [/STRIKE]- the list seems never ending for doing this
14. Place order for required stationery for dh
15. Phone lady regarding volunteer work

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