Wednesday 15th August - What small DFW things will you do today?

wannabee_in_credit

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 everyone... I confess to waking up to feeling absolutely rubbish this morning. I've been a bit off colour for a couple of days but I got up this morning and have caught my son's conjunctivitis. Hope it's not working its way through the family otherwise someone's going to be all red eyed on the wedding photos.
So, not much of a list for me today:
[STRIKE]Check online banking[/STRIKE]
Check for surveys
Washing done and on airer (raining outside)
nsd (I hope)
No gym today - too unwell (saving £2.85)
Go to my sister's house to sort music out for the wedding
Flylady if I feel up to it
Get ds to nursery and sleep on the sofa under my 'poorly blanket' all day.
Diet hard (hopefully my appetite will remain far away)

Have a good day all, sorry I sound so self pitying.
:pxxx

Tiggy10

Thanks Wanabee hope u feel better soon!

Today is my last day working in retail after 6 years! I am so glad to be moving on away from dealing with people who feel the need to make u feel rubbish for helping them and getting no respect!

Anyway rant over, list time! :
- work 8 hours
- breakfast at work
- forgot lunch so buy something small
- dinner at home
- return mums shoes as she doesnt like them
- go see a friend later as its her little ones bday to give her prezzie!

Thats all. Have a good day all!

La_escocesa

Hi everyone :wave:

Thanks for starting us off Wannabe - hope you feel better v soon.
Tiggy - happy last day at work

Me?

Plucked up the courage to check my credit card (well, actually was forced to by MS company asking when a refund was paid) - not as bad as I thought…

Walked to/from work

Free cuppa in work - none at home

HM lunch - pitta bread with humous and olives

Moved some money about waiting for some bills to come out

Tidied round and tried to get through the material mountain of washing

Get £7.50 refund - will put it towards petrol costs

MinnieMousesMummy

Good morning everyone, It is a very damp day here today so won’t get much done outside. On a positive note after discussions with dh last night and passing me assessments I am in a much more positive frame of mind.
Wannabe – Thanks for starting us off this morning, hope you feel better soon
Tiggy – Have a good last day at work



My list for today:

1. [STRIKE]Quick shower[/STRIKE]
2. [STRIKE]School run[/STRIKE]
3. [STRIKE]Catch up with emails[/STRIKE]
4. [STRIKE]Email college regarding going back to finish course[/STRIKE]
5. [STRIKE]Contact nursery regarding prices and availability[/STRIKE]Sent an email rather than phoning so just awaiting a reply
6. [STRIKE]Surveys[/STRIKE]Earned £2
7. [STRIKE]SP and SB[/STRIKE]Earned some points
8. [STRIKE]Sort paperwork for client[/STRIKE]
9. [STRIKE]Take paperwork over to client and let dd see the animals whilst there and also see dh[/STRIKE]
10. [STRIKE]Washing – Full loads and hang inside[/STRIKE]
11. [STRIKE]All meals from store[/STRIKE]
12. [STRIKE]Make a peach crumble using up the peaches whilst they are still edible[/STRIKE]
13. Sort paperwork for the car insurance
14. Sort ebay account for dh
15. [STRIKE]Update tester paperwork[/STRIKE]
16. Do some course work
17. [STRIKE]Complete web reviews[/STRIKE]
18. [STRIKE]Look into available part time jobs[/STRIKE]

Looks like I'm going to be busy so best get a move on. Hope everyone has a good Wednesday x

maccymum

hiya heres my list 4 the day....

cousin asked me out 4 lunch but i suggested her n kids come here (i have made it) saved a few £

bought a tin to join the sealed tin challenge.

washing is done and out

housework all done.

have spoke 2 cccs so dmp is on cards 4 me.

the biggy........going 2 cut up all cc NOW!!!!! scarey but needs must!




have a fab day every1

m xx

wannabee_in_credit

Good luck maccymum - you'll feel fantastic after you've done it.
Have a good last day Tiggy, and pleased you're feeling positive mmm.
I forgot to add the following to my list this morning, but have remembered to do it
Chase the electrical company and insurance company who still owe me money. I've emailed one and phoned the other.
OH, who works nights took me out for breakfast this morning so hoping I won't need to worry too much about food for the rest of the day.
Thanks for well wishes, I'm off for a snooze in a second.
xxx

Bagpuss741

Today I have/will:

1. Checked online banking.
2. Taken car for it's MOT:eek:
3. NSD apart from MOT which is budgeted for.
4. Store cupboard meals.
5. Look around comps board
6. Read Jo Nesbo.

Pernicious

Hi everyone,

Hope the weather is better where you are, it's chucking it down here but on ths plus side it means I'm staying in at lunchtime & thus can't buy anything!

Thanks for starting us off Wannabee, hope you feel better very soon.
Tiggy - Enjoy your last day safe in the knowledge that you don't have to put up with that anymore!
Minnie - Glad you are feeling more positive today.

Today's plan:-

• Food from stores
• Make use of free water at work
• Log calories using free app
• Charge phone at work
• Check online banking
• Trying to declutter a bit & do some flylady
• Must try & do a survey or 2
• Ring insurance company for proof of no claims - didn't end up doing this last week or last night...
• Emailed council back re splitting cost of noise insulation...we have to keep a log first so will also do this tonight
• Must get some exercise on my pole tonight
• Read a little of the AAT books I've borrowed to see if I can do the first year as an external candidate, saving a lot of money if I can!
• Order breakdown cover via clubcard vouchers

Have a great, MSE day everyone!

carrielovesfanta

*creeps in*

Hello all,

Thanks to wannabee for starting us off - hope your eye gets better soon.

I've been in hiding. I've been lurking occasionally, but have been a bit ashamed of myself. Really stuffed up my budget this month. After clearing a bumper load off my cc on payday (over £600), I have ended up through my overdraft (£50), using £30 of the housekeeping money and spending another £20 ish on my ccard due to unforseen vets bills and a little bit of devil-may-care frippery.

On top of that we spent about £450 on my cc on a trip to London. We bought tickets to the John Lord tribute concert at the Royal Albert Hall. (plus train travel and hotel) OH is going to pay for the tickets when he gets his money through in September, and it is a one-off chance to see some fantastic artists, but I can't help thinking that it's that type of attitude that got me into debt in the first place.

However I did compare hotels to get a good deal and get the cheapest train tickets I could. I also remember activating a 0% purchase rate on one of my cards but embarrassingly I can't remember if it's the one I paid with

I really need to tighten my belt to try and claw back some of the damage. So here goes!

Breakfast, lunch and dinner from stores

Charge phone in work

Be scrupulous about electricity and gas at home

Make colleague's leaving card instead of buying it

Will be having NSDs as have no money left. Must try not to be tempted to put food etc on cc.

Start working on ideas for Christmas presents that I can make for cheap/free

Update signature

Keep to diet (doing well, am down to 9 stone 10.5)

Sorry for the unburdening. Really should keep posting on here, it keeps me focussed!

Have a good one guys

Pippilongstocking

Thanks wannabe!

Today
took lunch
paid wages into bank
free tea at work
petrol miles claimable today and will do extra bits in town for free
walk dogs at home
collected eggs
take eggs to chum later for £2
Storecupboard tea
watch something at home rather than head out.
Banks to check and cc's to look at.

That#s me I think!

Have a great one!

La_escocesa

Hello Me again :j :T

Just popping in to say:

My OH got a job!!!!!!!!!!!!!!!!!