Monday 20th 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 all,
Yesterday was a nsd for me, although a bit of a wash out after my OH's stag do on Saturday. To cut a long story short, he wandered off on his own and passed out drunk. Nobody knew where he was until half nine yesterday morning, by which time I'd been up all night worrying about him. I could barely think yesterday - never mind doing anything.
But I've had a good night's sleep and am starting to feel like a human again after 2 weeks of illness etc so that's good. Just need to make sure I don't overdo it today because I feel a bit better.
Here's my list
Check online banking
Flylady
Diet hard
Load of washing (do NOT use tumble drier)
Visit a friend for a catch up and lunch (cheap lunch)
Diet hard (11 days!!!!)
Pay PO refund cheque into bank (for lost shoes)
Write complaint about electrical company
Nag OH for £30 still owed from his stag do
Can't think of much else now - enjoy!
xxx

OrangeFairy

Oh Wannabee what a stressful night worrying about OH

Today is the start of my new job. Don't like having to leave the kids all week but I am excited!

Today

Lunch box made by hubby
Work hard
Lift in with hubby
Dinner at Mums
Check banking
Bank wages cheque from old job
Overpay loan by £100 today
Makes lunches and be organised for tomorrows early start!
Check surveys
Help colleague with his job application

That's me. Better get a move on!

bt1

Morning, I'm back. Need to get on here more often!

So.. I got the job!!! So excited!! Still not sure what the wage is but been told its more than what I'm on now!! I can't wait to start!!

List for today:
- check bank - not healthy! £4 left until payday on Saturday. My mum lent me £40 at the weekend because she panics if I don't have money, I won't spend it! But must remember to pay back on sat.
- transferred my overdraft onto my mums 0% card yesterday. I want to get as much paid off the 0% transfers before July.
- call vanquis AGAIN! It's been 2 months trying to get £5 credit that was on my cc back!!
- lunch from home
- drink 2l of water at work
- I start studying today, going to try and do an hour a day so 30mins at lunch and 30mins at home tonight
- Start budget for September
- NSD

wannabee_in_credit

Good luck for the new job of. Report back and let us know how you go!

And congrats on the job bt.

ellesbellesxxx

Ah Wannabee that must have been horrid Hope he is not feeling too shame faced!
Good luck today Orange Fairy

ellesbellesxxx

I need to:
* Post 2 ebay items
* go to local library
* Post competition entries
* Just bought a groupon deal for a hair cut, £13.20 but worked out as £7 as paid from paypal with ebay moneys!
* NSD - lunch and dinner already made
* Check banking for mystery dining and focus group - chase up!

Then start to plan for next term...maybe I will tidy a bit more first. Procrastinate? Me?

Have a great day!

carrielovesfanta

Morning all,

Wannabee, I'm glad your OH is ok, you need to give the best man down the banks for that one!!

bt1 and Orange Fairy - congrats on the jobs

bt - good luck getting that £5 from vanquis. We were trying to get £17 back from Aqua for about 6 months with no joy. OH gave up in the end. :cool:

So today's mission:

Been to the gym (2 weeks til holiday, must get bikini body by then :rotfl:)

Bought breakfast as forgot mine (and it was horrible)

Lunch and dinner from stores

Update spreadsheet with further cc expenditure :mad::o

Look at next month's budget to try to claw back some of cc expenditure. Shouldn't need as much food hopefully as will be on holiday for some of it.

Remove cc from purse to avoid further temptation.

Charge phone in work

Batch cook some rice and freeze it.

Possibly freeze some of the cookies I made yesterday. Does anyone know if cooked biscuits freeze ok?

MinnieMousesMummy

Good morning everyone, It is a lovely sunny day here today so will make the most of the weather. I didn’t post over the weekend, as I didn’t do much part from studying as I have a few assessments to do this week, however I didn’t actual spend any money so was a good weekend.
Wannabee – Thanks for starting us off this morning.



My list for today:

1. [STRIKE]Quick shower[/STRIKE]
2. [STRIKE]All meals from stores – picnic lunch with dd at the beach[/STRIKE]
3. [STRIKE]Take ds to school[/STRIKE]
4. Ta[STRIKE]ke dd for a walk and collect ds from school[/STRIKE]
5. [STRIKE]Check emails[/STRIKE]
6. [STRIKE]Laundry and hang outside[/STRIKE]
7. [STRIKE]Do meal plans for this week and next week[/STRIKE]
8. Clean the bathroom and the kitchen
9. [STRIKE]Do some course work and revise for assessments[/STRIKE]
10. [STRIKE]Surveys[/STRIKE]
11. SP and SB
12. [STRIKE]Pay some money off the loans[/STRIKE]
13. Do some decorating
14. [STRIKE]Update work lists and make to do list for tomorrow[/STRIKE]
15. [STRIKE]Update tester paperwork[/STRIKE]

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

La_escocesa

Hello there :hello:

'Tis a happy house this morning with hubby going to work

Good luck for your first day OF :T

DNMS - good luck with all the mortgage apps/house viewings and all the rest of it. I know all the stress it can bring with it!! V exciting though! :T

Here's things avec moi…

Packed lunch for me and hubby - sandwiches - SC ham in coke w/ onion - about £3 for 6 sandwiches - although might get bored of sandwiches by then and use the meat in a pie…

Visiting pals - requested a night in rather than meal out :cool:

Taking a bottle of cava I had at home to pal's rather than buying vino - bottle I got as a pressie so 'free'

Booked train tickets via Quid co - 1% cashback :cool:

Saw a penny and picked it up - heard it's good luck

Reading a free Kindle book

Got free 'Cinema on a Sunday' tickets - buy 4 bags of sweets (half price in Mr M's for £1.04 each) and get a free ticket - works out about half price :T

xx

sibles

Morning all!
Today marks the first proper day of my return to DFW ways! I had a NSD yesterday and planned ahead for the week, so hopefully LSD's all round, if not a few NSD's. I've also drawn myself a grid, for the next month, every time I have an NSD or LSD I'm going to mark it off with a different colour, so I can visualise!!

Today I have/will:-
* LSD (want to buy milk for coffee, and possibly some cans from the £ shop for my drawer)
* coffee was my freebie from the cafe on the corner
* bought lunch from home
* had breakfast at home
* clicks and super lucky button
* searches through SB
* keep an eye out for surveys etc
* log calories on free app
* exercise bike for 20 minutes tonight
* going to start sorting out some bits for ebay tonight

That is all for me, happy monday all!!
B x

Pernicious

Hi everyone,

Thanks for starting us Wannabee, what a crazy stag do!! Glad he's ok.
Good luck today OF!
Bt1 - Congratulations!

Today's plan:-

• Food from stores
• Leftovers for dinner
• Paid in all of my pub wages from the weekend into bank account, hopefully can go straight towards the cc
• 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 - managed to fill 2 bags over the weekend so very happy with that
• Must try & do a survey or 2
• Keep a log of noise for council
• Making use of my taekwon do membership fees tonight after a few months off due to the wedding, hope I'm not too out of shape!!

Have a great, MSE day everyone! x