Thursday 23rd August - 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:

Oh My Gawd!!!! What is going on with our little merry band of super savers??? Come on guys let's not let this wonderfully supportive thread die a slow and painful death! I cannot believe at 10am no one has started us off...:eek:

Things for today:

• continue with the no smoking :j (4 days now, first 3 days are over, so now the physical addiction is gone. Just the habit to break now. I am so "determined" this time) This have saved £6 so far :beer:
• all meals from stores - ate a sachet of porridge in the works cupboard = free to me
• icepoles and satsumas for snacks - want to eat everything
• cycled to work, saved petrol and wear and tear
• checked onepoll & swagbucks
• going for a second viewing at our almost home :T
• go for a run after work
• Mrs Flylady the bedroom
• start sewing project - am finidng now I'm not smoking and oh is studying I am very bored in the evenings
• post ebay sale
• check banking

ok that's my lot. Have a great day x

lozzy81

I am new to this site and saving money and budgeting due to redundancy and not started my new job yet... so I am attempting to take all the tips I can get from this site (there have been loads!!) and reduce the spending by having no spend days and meal planning which is going very well so far, I need to start preparing for the winter, already use the tumble dryer alot less but it rained everyday for almost two months!! So washing on the line as often as weather pemits and airers all over the house!! No debt but need to get some savings! Making all food out of the cupboards and freezer today and making some muffins so I hope that keeps me occupied and out of the shops!!

La_escocesa

Hi everyone :wave:

Got OH to transfer me some £££ - hoping I haven't gone over my overdraft again with a bl00dy subscription for toothbrush head replacements :mad:

Soup for lunch

Free tea in work; no tea at home

Had a 4-min shower - I know because I timed it :rotfl: (every little helps!)

I need to switch gas and elec but there was a problem with my gas readings and I hadn't been able to give any since I moved in in Dec, which means I now owe £100+. Does anyone know if I leave my current company whether I'd need to pay that off in one swoop?

determined_new_ms

La_escocesa wrote: »

Hi everyone :wave:

Got OH to transfer me some £££ - hoping I haven't gone over my overdraft again with a bl00dy subscription for toothbrush head

I need to switch gas and elec but there was a problem with my gas readings and I hadn't been able to give any since I moved in in Dec, which means I now owe £100+. Does anyone know if I leave my current company whether I'd need to pay that off in one swoop?

grrr to the od - anyway you can try to get a refund?

re the gas & elec yes you will get a leaving bill. You might be able to pay in installments. Maybe a post over on the utilities board?

happytails

Hello all!

I've entered some competitions today (one is to win a washing machine!)
Found some things to list on eBay, which I'll work through his afternoon.
Lunch and dinner from what we have in cupboard/fridge
Husband cycling home from work (he left his bike the other day so saves me 8 miles today)
Wrote a list of things we need to do/buy for winter prep thankfully it isn't too long but going to have to budget for an interior door and getting my kitchen tiled (got tiles last year so need adhesive and grout etc and butter my dad up so he will lay them
Not got much planned but hopefully a NSD (already spent £50 but that was for the business not personal so not counting that)

Sarah x

MoneyMission

Clipped front hedge using hand shears - free work out and no use of electricity!
Lunch - HM rolls and pack ups from stores for kids who are at club today.
Dinner - from meal plan for this week using up some french beans from the garden
Checked banks
All money ready in savings account waiting to pay CC bill off (might as well earn interest on it for a few days before I pay it!)
NSD
Free cup of coffee when I dropped kids off at club (I helped with the registrations)
Washing on line today - before it piddles down all weekend!
Walked kids to the club so no car used. Will walk to get them too.

Thats all for now!

Pernicious

Afternoon all,

Thanks for starting us off DNMS, good luck with not smoking. If you're worried about putting on weight just make sure you're surrounded by plenty of healthy snacks, & when you're at home & get the urge to smoke/snack do some exercise instead to take your mind off it all.
La e - Fingers crossed re OD, & I hope you manage to sort the gas bill, I think it would depend on the company in question as to whether or not they'd let you pay in installments. Good luck!

Today's plan:-

• Food from stores
• Leftovers for dinner - Another veggie night
• Popped to Mr T's on my lunchbreak to pick up some fresh bits
• 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
• Keep a log of noise for council
• Free exercise on pole tonight if there's time!
• Find a nice but cheap pressie for my youngest niece's birthday, she's 1 next week! Really need to do this!
• Catch up on yesterday's thread
• Washing on eco setting
• Hang up to dry
• Read Martin's email as I only skimmed it yesterday

Have a great, MSE day everyone! x

Yargo1

Hi all, a LSD today as only a sarnir other than my passport renewal which was a massive 77.50 plus 8.75 for the check n send service! Grrrr

Dinner from stores later chicken mmmm

southernbelle

Afternoon all, not very MSE for me today as I am going to get my hair cut at 5pm - although needed to attract that very-rich boyfriend so could turn out to be MSE :rotfl:

Today I will:

• Check bank account
• Send off car proof of no claims for discount
• Send off speculative PPI letters
• List 3 items on eBay (restricted number :mad:)
• Sort out some bootfair stuff for the weekend
• List some books on green metropolis.

Need to think of a way to make an extra £300 as that's my budget short-fall next month. :eek: Ideas welcome!

Tiggy10

Hi all,

late today as I have started to go into school to set up my classroom for september.
- all meals from home
- move money around
- give bf £10 for bits he got to fix my exhaust as my mum kindly bought me one. still £47 over all is cheaper than paying someone to do it at a garage!
- accompany friend to the next town to look at a joint birthday prezzie we are getting for one of our other friends.
- pack to go to Portsmouth for the weekend, staying with a friend so cheap! my only mini break this summer holiday

hope everyones having a great day!

headoutthesand

Today I :

Checked bank
Made PAD
NSD
Cancelled ds2 footie cos he doesn't want to go any more
Applied for wall and loft insolation
Lunch from cupboards
Sold 1 item at work and 1 on facebay
Applied for ILA funding for college course