Monday 3rd September 2012 What Small DFW Things Will You Do Today !?!

Candy0107

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

Thought I’d start the thread off today to make sure I am on the straight and narrow!

Today I have/will:
• Meals from stores
• Checked bank – no change but I had to check
• Need to update my cv
• Keep an eye out for jobs I can apply for applying for a local job
• Chase up about a possible NI refund which I think is due to me
• Check quidco
• Check survey sites
• Need to buy a bus pass as it’ll work out cheaper in the long run
• Watched films and bits on the sky box
• Jumper on rather than heating on
• Meeting Sister in Law and nieces in town – will treat myself to a coffee and nothing else !
• Need to start my mass clearing up session
• Need to see about getting a better deal on our electric supply

Think that’s about it for me

Take care everyone
Candy xxx

bt1

Morning - thanks for starting candy!

I'm not posting everyday, mainly because I haven't been doing ANYTHING, let alone anything mse!

I had a dentist appt yesterday, just a check up- but needed a filling which he did for free!! Not even sure why!

• Checked bank- all ok.
• Paid rent
• Lunch from home- beans on toast!
• Drink lots of water
• Go for a walk at lunch (avoid going in any shops)
• NSD - I don't need anything but always drawn to the newsagents by work!
• Running tonight, it will be too dark torun around the park now so need to go in the road... Will try for 5k again!
• Make lunch for tomorrow web I get home
• Study after running

Ill update later x

little_pink_purse

morning
thanks for starting us candy

well its monday and its freezing

off to work in 5 mins

todo today
work hard lol
nsd day 3
wash on
iron
meals from stores
get every thing ready for tues work etc

have a good day xxxxxxxlppxxxxxxxxxxxxx

Learning2Budget

Morning.
I have already checked banking and direct debits
I need to get my haircut today.....money withdrawn on yesterday's spends day so i don't ruin my NSD.
Buy plimsols....also budget for.
Clean house
Sew labels into school clothes
Label school shoes
Cook from stores
Do some diy at my friends house before she get home from her hols

Think that will do.x

stitching_witch

Morning all, and thanks to Candy for starting us off today. I really need to get motivated again so going to try posting on here as much as possible like I used to.

So far:

• fed and watered the chickens
• HM granola for breakfast
• checked banking - all bills paid leaving £40 til the end of the month :eek::eek::eek:
• checked for surveys
• switched water heater off
• boxed eggs for customers made lunch to take to work

I will also:

• get a lift to and from work with a colleague in exchange for eggs
• knit at lunchtime to avoid going out
• chase new energy supplier to find out the state of play
• keep an eye on surveys throughout the day
• all meals from stores
• keep looking at cookers on ebay as we still don't have one - camping stoves to the rescue!!
• have an NSD

Time to have a financial fast week (or four) I think! And also try to stop DH buying even more stuff on his credit card; after all, he's not working currently and I don't know how he expects to pay the bills.... :mad:
Hope everyone has a good Monday,
stitchy x

determined_new_ms

Morning thanks for starting us off Candy!

Morning to everyone else x

My list:
* checked banking - eek its horrible when all the bills come out in one go!
* shiftedsome funds for house into savings account so we get interest on it
* should be hearing about the mortgage today!
* all meals from stores. V inspired with today's lunch: hummous & roasted med veg sandwich, 3 satsumas, a piece of cucumber, a piece of banana bread and some home made yogurt with a handful of frozen blackberries!
* pay cc
* post off card in my lunch break
* go for a run this evening
* Mrs Flylady
* check onepoll & SB
* update GC spends - made it on just over £100 the last month!
* make courgette soup before its too late!
* NSD

Ok think that's it for me. Have a great day. Hugs to everyone that needs them x

headoutthesand

Good morning all. Early start for me today. Today I:-

Checked bank - almost all DD out
Checked budget - i'd miscalculated by £90 so I'm not as bad as I thought I was
Walked kids to school
Packed lunches made for kids and OH (he paid window cleaner yest so I felt I should lol)
Study all day for interview this week
Call bank re switch to Santander
Return book to library and pick up a new 1

That's all I can think just now. Have a nice day folks

princess_pea

Morning All,

Thanks for starting the thread Candy.

Today...

LSD - Need to pop to Wilkos for some deodorant etc

All meals from stores

Check bank - Lots of things going out today

Check surveys tonight

Do a bit of housework when I get home

Printed off payslip to file

Remember I need bus fare for tomorrow and get packed lunch/ what I'm going to wear tomorrow sorted tonight for once to prevent me running around like a headless chicken in the morning!

I'm back at work full time from today which is a tad depressing but I'm just thinking of the money!!

Have a lovely day everyone :T

happytails

Hi all

So far ive wrapped all Ebay parcels.
Checked my ebay sales.
Checked the bank and transferred £280 to my savers for a debt im saving to pay off.
Transferred £42 of ebay sales from PP to the Bank (which will go in savers when it hits the account)

At some point today:
Got to go post parcels and pay post office last months postage fees
Lunch from home
Get cereal and bread from the shop
List atleast 5 more things on Ebay.
Sort through some of the junk in the house (set aside to sell or bin it)
Go to the park with the kiddies
This evenings dinner from home (thinking soup and sandwiches or sausages and mash)
Research where to get friends birthday present from for best price.


Sarah x

ziggy2407

Good Morning All

Candy - thanks for starting us off and :wave: to all that follow
DNMS - your lunch sounds fab mmm

well today is looking good so here goes

Washing on line to dry - Done
Work (9 - 11) - Done
Haircut for LO - Hubster took him while I was at work
Check Banks - Done
Check swapits - Done
Quick tidy round - Done
Meals from stores -
Food Tracker - in progress
Read (from stash) - in progress
Washing - in progress
Ironing -
Drop bag at Charity Shop -
Post Birthday cards -
Cheque to Bank -
Coke zone Codes - Done
Send for Kelloggs free towel - Done
Send for Tip n Sip Bowl (for Grandson) free - Done
Sort LO's money box & bank -
List bits for sale on Facebook pages, Netmums and Ebay -
Comps - Done a few

Hope you all have a great day, love and best wishes to you all

C xx

sibles

Another week begins!
Had a relatively low spend weekend, managed my first NSD of the month on Sunday, and had some good weight news. Workwise things are tough - restructure and redundancy is a possibility, so am trying to get into good habits now.

Today i have/will:
- All meals from stores
- freebie coffee this morning
- LSD - got milk and posted parcel to my aunt, hopefully nothing else
- clicks and searches (almost have enough amazon vouchers to get my dad's kindle for xmas, so working towards that now!)
- do some work on my CV later
- checked bank
- need to update my spreadsheet
- look into handmade stuff sites to see which to set up a shop on
- paid music magpie check into the bank
- transfer paypal money into savings

That is all for me today, have a good day everyone xxxx