Thursday 11th October - What small DFW things will you be doing 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:

Morning :wave: Happy Thursday :T hope everyone is well. LPP so sorry to hear about your friend. I hope you are ok and have good people around you to balance out the sadness at the moment x

mil's citizen ceremony was really lovely, she was very proud and excited. Then we went back to theirs for champs and came home :T

today's efforts include:
* [STRIKE]check banking[/STRIKE]
* all meals from stores - more pea & mint soup for lunch and chicken noodle soup for dinner with lo chicken
* check onepoll
* [STRIKE]more address changing[/STRIKE]
* [STRIKE]send off friend's birthday card[/STRIKE]
* go to allotment after work for the first time :j
* go collect freezer food from colleagues house after allotment
* [STRIKE]NSD? [/STRIKE]
* might go for a jog later if I feel up to it
* [STRIKE]call and confirm we can just cancel our gym membership and if so do so[/STRIKE]
* [STRIKE]re-do budget now we're in the new house[/STRIKE]

That's it for me, nothing too exciting! We have our re-wiring in our house happening today :T first stage of the works!

Have a great day x

Made a call and filled in an online form for loft and cavity insulation and arranged a survey :T

ziggy2407

Good Morning All

DNMS - Thanks for starting us off

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

Still dont feel like doing a great deal, the only exciting thing happening today is that I'm staying in school this morning so LO can draw my portrait Tudor-style (should be interesting, lol) so here's my little list (boring and repititive, sorry)

Check Banks - Done
Check swapits - Done
Work (11.30 - 1.30) - Done
Keep up to date on Emails - Done
Keep up to date on surveys -
Quick tidy round - Done
Meals from stores - Done
Food Tracker - in progress (37lbs off so far)
More work in mum's bedroom -
Read (library book - James Patterson "11th Hour") - in progress
Comps - Done a couple
10 mins on Yantra Mat -
Relax - still feel relaxed

Well better get off and make a start, hope you all have a great day, love and best wishes to you all

C xx

stitching_witch

Yay, last day of the week for me but hectic at work so hopefully the time will pass quickly.
DNMS - is your allotment close by? Ours is literally two minutes walk down the hill (and after all that digging it's five minutes walk back up the hill :rotfl:)

Listypop for today then, so far:

• breakfast from stores
• made packed lunch for DH and myself
• washed up on Economy 7
• fed and watered the chickens
• printed voucher from Mr T's price checker - only 42p but better in my pocket than theirs
• prepared a bag of sewing bits to take to work
• switched living room heater back off (put it on for friend yesterday then spent the whole day sat round the kitchen table )
• took meat out of freezer for dinner

I will also:

• get a lift with a colleague
• drink free coffee/water at work
• nip into Dr's surgery to make appointment rather than phoning them
• stitch at lunchtime - got to start thinking about Xmas craft stall
• nip into charity shop to see if there are any pretty cups and saucers to turn into candles
• if nothing there have an NSD

That'll do for today; have a good one folks.
stitchy x

La_escocesa

Hello lovely people

DNMS - sounds like a lovely evening yest. And check you with rewiring your house! Got a lot of work to do in it? It's so exciting.
Ziggy - that's so sweet about you getting your potrait done. I hope it gets pride and place above the fireplace
Stitchy - Ooh I like your thinking re candles - I've got a few little tubs that I've been keeping but never got round to actually making them. Might make it a 'must do' for November… Also need to get on with my Christmas crafting - no fairs for me though - just pressies.

Here's my listypoparoo…



Usual stuff:

• Check banking
• PAD to cc
• Super quick 4 min shower - I timed myself :rotfl:
• Cheapo porridge brekkie
• Check surveys and mystery shopping
• Packed lunch - soup & roll, fruit

Other stuff:

• Post something OH sold :T
• Bagged myself a fab desk and chair for £20 from gumtree :j - 'tis for my yoga room/office Now I just need to find a bookcase http://www.gumtree.com/p/for-sale/beech-desk-with-chair--free-delivery/112126730
• Bagged myself a yoga gig - 3 students and no overheads as it's in my SIL's front room :cool:
• Got confirmation we're now on the electoral roll at the correct address - all the better for the craaaaapy credit rating :T

Amara

Hello!
Today , I will:
- [STRIKE]Polish furniture[/STRIKE]
-[STRIKE]dust[/STRIKE]
-[STRIKE]hoover[/STRIKE]
-[STRIKE]clean to windows[/STRIKE]
-[STRIKE]cook a tea[/STRIKE]
-[STRIKE]play with my DS [/STRIKE]
-[STRIKE]tidy up the garden a bit[/STRIKE] I didn't realise that my BIL's done it already
-[STRIKE]take old pieces of furniture to the shed[/STRIKE]
-collect my parents from airport, they're coming today

See you soon!

sibles

Argh! Spent yesterday doing a handover on large parts of my job, was very strange! My last day in the office as am working from home tomorrow.
Off out for friends birthday tea tonight! Hope all is well with everyone.

Today I have/will:
- clicks and searches
- write down spends
- must renew library books as due back tomorrow
- most food from stores
- stick to budget for dinner tonight
- check banking
- any surveys I find

That is all for me now.
Have a great day, almost the weekend! xxx

Nottoobadyet

Deadline day

wimpering behind desk

send chocolate

Pernicious

Hi everyone,

Quickly posting before my lunchbreak ends as I've just spent most of it applying for a promotion! Fingers crossed...I hate applying using their online system as I get paranoid my application has not actually gone through...

I have some good news too my little car did me proud & got through the MOT with just an advisory that the front tyres are wearing a little on the edges, so not as expensive as I thought it would be :j

Today I have/will:-

• Food from stores
• Leftovers for lunch
• Dinner from meal plan - may have to amend this slightly...meant to be toad in the hole but I don't think I have enough eggs! So may do bangers & mash as we have plenty of potatoes in
• Log calories using free app
• Charged phone at work
• Make use of free water/milk at work
• Staying in for my lunchbreak to avoid spending
• Check online banking
• Surveys
• Must declutter a bit & do some flylady
• Heating off
• Daily clicks etc on Sw@gbucks
• Applied for promotion!
• Free exercise on pole
• Study!
• Stay motivated!! Have felt quite down since the weekend so not done as much of my list as I'd like...must change that.

Have a great, MSE day everyone x

Pernicious

Nottoobadyet wrote: »

Deadline day

wimpering behind desk

send chocolate

Just quickly before I go back to work....*Sends virtual chocolate* :EasterBun

Hehe, you can do it NTBY! Good luck.

allydowd

Today I will:

:starmod: Spend BOGOF Spam voucher from here: https://www.facebook.com/OfficialSPAMUK?fref=ts :spam:

:starmod: Use the Demotivator http://www.moneysavingexpert.com/shopping/demotivator/

:starmod: One Poll. In a month I should be able to claim my £40.

:starmod: Check Quidco to see if £3.29 Airport Car Parking incentive has been paid.

:starmod: Look for Quidco No Brainers.

:starmod: Daily click on Kelkoo through Quidco to earn 1p for a search.

:starmod: Enjoy new electric toothbrush. £16 reduced from £60. And it came with two new brush heads so I can have one and my partner can have the other.

:starmod: Give friend bargain birthday card.

:starmod: Keep warm with a hot water bottle and coffee.

:starmod: Charged mobile away from home.

:starmod: Continue to take a roll and butter to work so that once a week I can just buy a sausage in the works restaurant as a treat. Saves 35p on a roll and 10p on butter.

:starmod: Check to see if I can trade my recycling for Tesco Clubcard points at my local Tesco: http://www.tesco.com/greenerliving/greener_tesco/what_tesco_is_doing/tesco_recycling_centre_locations.page?

:starmod: Check to see if I can trade my old ink cartridges for Tesco Clubcard points: http://www.therecyclingfactory.com/tesco

I've worked out that I'll be able to payoff one credit card in Nov if all goes well.

sibles

great news allydowd!
And you too perni on the car front

xx