Thursday 27t September - What small DFW things will you be doing today?

little_pink_purse

1. THURSDAY 27TH September - What small DFW things will you be doing today?
   

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

little_pink_purse

Good Morning

well its still raining here

so today is payday wow:j

my little red car on cost £120 to get it mot so iam well pleased

so today
menu plan with things in the house
check bills
re do budget for next month

:money:better go and get a coffee
have a great day xxxlppxxxxx

stitching_witch

Good morning everyone, and thanks to lpp for stating us off.
Payday for me too :j and the first time in a few months I hadn't dipped into the OD on my main account by the end of the month.

So far today:

• breakfast from stores
• made packed lunched for self and DH
• checked banking
• moved money into bills account for the month's DDs
• paid rent & CT
• checked for surveys
• taken lamb mince base out of freezer

I will also:

• feed and water the chickens
• get a lift to and from work with a colleague
• charge phone at work as we are allowed to do this
• either read or knit at lunchtime to avoid the lovely bakery
• drink free coffee/water at work
• make shepherd's pie for dinner
• heating still off and snuggle under blankets this evening
• have an NSD (rent & CT doesn't count )

That's me for today,
stitchy x

Edit - DH has left his packed lunch at home :mad: Never mind - sandwiches now in the freezer and he can have them tomorrow!!!

ziggy2407

Good Morning All

lpp - Thanks for starting us off this morning

Hi to all the regulars and welcome to any newbies that join this FAB group :wave:

The sun is shining here so after dropping LO at school Im off for a walk round and do a few errands but just need to get out. Today I will try:

Check Banks -
Check swapits -
Pay £120 in £2 coins into bank -
Re-stock freezer @ farmfoods -
Keep up to date on Emails -
Keep up to date on surveys -
Quick tidy round -
Meals from stores -
Food Tracker - in progress (37lbs off so far)
WW weigh-in
Read (library book - James Patterson "Private Games") - in progress
Comps -
10 mins on Yantra Mat -

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

C xx

Oompa_Loompa_2

Morning everyone!

I'm going to try to post here more regularly, just need to think hard of stuff to do!

* coffee/tea at work
* 11p noodles for lunch! (wonder what they're like?!)
* charge phone at work
* meals from stores
* plan best way to use pay tomorrow - so many things to pay, just a question of what should come first!

Have a good day everyone! x

MinnieMousesMummy

Good morning everyone, It is a while since I posted but I thought that I best try and get back into the money saving ways, since I am now a full time student.
LPP - Thanks for starting the thread off this morning.

• Find instruction book for a phone that I no longer require
• List the unwanted phone for sale
• All meals from stores
• Check the bank
• Check for surveys
• Take dd to get her photo done with ds
• Pay late fines at the library and renew books
• Put library return date in my diary so that I don’t forget
• Do required course work
• Do homework for tomorrow
• Revive account on freelance site (going to do a little freelancing to give me some extra money whilst studying)
• Update tester paperwork and submit required work
• Catch up with the laundry and hang it outside if it stays nice
• School runs without stopping at the shop

I think that is enough for me to be working on today, as it is day 1 of money saving ways and also day 1 on the road to catching up with bills/debts.

La_escocesa

Well hello there my lovelies :hello:

Can I just jump up and down for a little while please?! It's hubby's payday! :j :T :j Woohoo!! Life is good. About £500 less than his last job's but he doesn't need to spend £250 a month on travel and I get paid about £150 more a month so overall there isn't that much difference. A much less stressy job (although it's still fixed term…) and a lot closer to home - no 3hr commute

Here's me:
- Hubby ain't going to the pub after training - I'm picking him up in borrowed car instead
- I'm not going to the pub at lunch - new guy on team (who I already know…) so can get away with making my excuses…
- Put a cheque in for OH for something he sold
- Send pal the money I owe her
- Off to Mr T's tonight for some essentials - write list and stick to it and all that.
- £1 for lotto syndicate - quadruple rollover and all that
- £2 in Christmas savings pot - small things make me happy
- PAD to cc - about as much as I would spend on lunch if I wasn't having it at home
- Do proper snowball - get all figs off OH
- Check out mascara from Boots - have £3 MOC :T
- Logged into old saving a/c - was pleased to see I had 20p I didn't know about :rotfl:

Catch up tomoz xxxx

allydowd

Oompa_Loompa wrote: »

* 11p noodles for lunch! (wonder what they're like?!)

I have these twice a week for work lunches, but I don't put the powder on them I cook them in water then add a little sweet chilli sauce instead. They taste ok; better than starvation and keeps me away from the restaurant in my building.:rotfl:

allydowd

Hi gang,

We're still planning our move; that's taking up our spare time. Today I will:

# Charge phone away from home. Done.

# Find out what partner bought for the new kitchen. :eek:Done.

# Moisturise dry skin with olive oil. Done.

# Discuss re-using some items from old house in new house for best security of doors and windows. Done.

# Look on Freecycle to see whether anyone can offer us an ironing board or gardening tools. We love Freecycle we've given and received loads. Done.

# Seal and label boxes to go into the loft when we move. Not done, not even started. LOL.

# OnePoll. Done.

Bagpuss741

Sorry I've been no show but my laptop broke:( It was in for repair but I was told it was too currupt to fix. I needed a laptop for my new Latin course so have bought a Toshiba laptop in the Tesco sale, was £449 reduced to £389 plus had £30 off for spending over £300 and remembered to go via quidco:D I will apply to the OU access to learning fund to see if I can get a refund for the laptop:o.

Today I have/will:

1. Check online banking
2. Check for free kindle books
3. Walk dog locally (she now has dementia:()
4. Watch bridesmaids to send back to Lovefilm
5. Been to Cardiff Museum to see the Turner paintings that were discovered to be genuine and not fake on the tv show fake or fortune.
6. NSD
7. Download spreadsheet to new laptop
8. Make veg stew for evening meal

allydowd

Oompa_Loompa wrote: »

* plan best way to use pay tomorrow - so many things to pay, just a question of what should come first!

Whatever has the highest interest rate or is on a final demand or risks you losing a roof over your head.