Friday 12th October - What small DFW things will you be doing today?

allydowd

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 Moneysavers. Today I am gonna be grateful for all the things I DO have. Last night I watched episodes one and two of "Welcome to India" and was reminded of this. The people in the documentary had so little unyet they were reducing, reusing and recycling their hearts out to build better lives for themselves. If you want to see what I mean it's on http://www.bbc.co.uk/iplayer/episode/b01ncbyn/Welcome_to_India_Episode_2/

On today's list there are some things I didn't get around to doing yesterday.

:staradmin: [STRIKE]One Poll.[/STRIKE] In a month I should be able to claim my £40.

:staradmin: [STRIKE]Look for more Quidco No Brainers.[/STRIKE]

:staradmin: [STRIKE]Daily click on Kelkoo through Quidco to earn 1p for a search.[/STRIKE]

:staradmin: [STRIKE]Check to see if I can trade my recycling for Tesco Clubcard points at my local Tesco: [/STRIKE]http://www.tesco.com/greenerliving/g...ocations.page?

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

:staradmin: Think of something fun and free to do on my day off.

:staradmin: [STRIKE]Pay an extra 77p off my credit card. Every little helps![/STRIKE]

:staradmin: Do all my Christmas shopping today. :xmastree:

Have a good day; make the most of the luxuries we do have.

determined_new_ms

Morning ally, thanks for starting us off. Hear hear i say! oh and I each night say 3 things that we are grateful for in our day, helps me to stay positive! Ally I was really surprised to read last weekend you are a fella, I just always assumed! Anyway....

Stitchy - my allotment is in Broad Oak Rd, just 5 mins away from where I lived when you visited me. Its on my way home from work. I didn't make it yesterday as the weather wasn't great, going to try again today...

Better do my list and hurry up!

* [STRIKE]checked banking[/STRIKE]
* [STRIKE]did VSP will update sig in a minute[/STRIKE]
* [STRIKE]use dry shampoo rather tha washing my hair[/STRIKE]
* take something back to B&Q for a refund
* breakfast & dinner from stores
* going to allotment after work
* go to bank and change address
* collect painting from framers
* nip to SM after work to grab a bottle and a couple of bits then going to friend's this evening to celebrate her birthday

Ok that's all I can think of right now, better scoot! x

WantToBeSE

Morning Thanks for starting us off!

Today i will:
-Transfer £250 i nto my ISA
-Withdraw £140 to pay bills and food
-Defrost Mince for spag bol
-Pick up a parcel from the local PO, i think its my new boots
-Buy some pork, as i went to lidl to get some yrsterday, and they were tiny!
-Put £30 on both my gas and electric meters
-Make an appt at the GP

Have a great day everyone!

allydowd

determined_new_ms wrote: »

Ally I was really surprised to read last weekend you are a fella, I just always assumed! Anyway....

Hi mate,

I'm female and so is my partner! :rotfl:

stitching_witch

Morning all and thanks for starting the thread ally. I saw desperate poverty in Bulgaria too, with mini villages made from corrugated tin and fertilizer bags. Certainly made me come home a better person.
It's a Stitching Witch day today so I'm a happy bunny :j:j:j
So far today:

• breakfast from stores
• fed and watered the chickens
• made DH a packed lunch
• checked banking
• checked for surveys

I will also:

• phone BGas chasing the refund they promised 6 weeks ago
• phone Council re change of income for HB claim
• spend 5 hours in sewing room making stuff for Xmas fair
• lunch from stores
• try to source packaging from Eb*y - the paper bags with clear plastic fronts. I'm sure I bought some locally about 12 years ago, but can't remember where from
• collect DGD from school and take her home
• have dinner from DD's stores
• look in charity shops for cups and saucers - didn't find any in nearest town yesterday so trying the city today

Okay, I really must get myself moving if I want to make enough to sell in 5 weeks time. Catch up later,
stitchy x

determined_new_ms

allydowd wrote: »

Hi mate,

I'm female and so is my partner! :rotfl:

opps! How embarrassing!

ziggy2407

Good Morning All

ally - 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, stayed at school,again this morning for "Celebration Assembly" ( I love it, each teacher chooses 2 children from their class to celebrate their achievements) then went for a little walk and catch-up with a really good friend, so here's my little list (boring and repititive, sorry)

Check Banks - Done
Check swapits - Done
Work (11.30 - 1.30) - Done (worked while 2.30)
Docs @ 5.30 - Done - Things are looking up
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 - in progress
Read (library book - James Patterson "11th Hour") - in progress
Comps -
10 mins on Yantra Mat -
Relax -

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

C xx

La_escocesa

Hello there ladies

I'm a lady too

Here's me:

- Checked banking - £100 I wasn't expecting came out - I thought because I'd paid over this to the cc then it wouldn't take the set-up direct debit (the online screen said 'we have received your payment'). Have had to transfer £100 to that a/c so now I start next month £100 down. Roll on overtime - will make it up on Saturday, but that money was meant to go towards a new bedroom carpet.

- Gave OH a stern talking to re his money management :mad: - I'm taking all his money off him next month and giving him an allowance!

- Got my £20 desk and chair from gumtree - is fabby!!! I'm going to try my hand at reupholstering the chair… Let's see how that goes. :rotfl:

- Cheapo can of soup for lunch

- Make an appearance at the pub tonight - either drive and have a soft drink or get the bus (already got bus pass) and have a wee drinkypop/2 max.

- Take pass to pub as get 10% off

- Think of something nice and easy for tea so we're not tempted by take away

- Tidy round even just one box/pile of stuff.

- Proofread/helped OH with his app form for permanent job. Pretty please...

Happy Friday!
Lotsa love

dottyanne

Today I have listed another item on eBay - my goal is to list at least one item a day.

Checked Internet banking.

Sent CV's off.

Lunch from stores.

Onwards and upwards lol

Pernicious

Hi everyone,

Thanks for starting us Ally, I must admit when I saw what you wrote the other week I did wonder! My initial thought was the same as DNMS & then as I was typing something similar I thought hang on...they could both be female! So decided to leave it incase I said the wrong thing.
La e - Hello fellow lady! Lol. Oh dear what has your hubby been up to if you're having to give him an allowance?! Thanks for the tip yesterday by the way, I'm not sure if you saw my response.

Today I have/will:-

• Food from stores
• Dinner from meal plan - veg stir fry, cashew nuts & noodles
• 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
• Enter comp
• Read Martin's email as I still haven't done that
• Go to second job tonight
• DH doing overtime this evening
• Daily clicks etc on [EMAIL="Sw@gbucks"]Sw@gbucks[/EMAIL]
• 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

La_escocesa

Pernicious wrote: »

La e - Hello fellow lady! Lol. Oh dear what has your hubby been up to if you're having to give him an allowance?! Thanks for the tip yesterday by the way, I'm not sure if you saw my response.

Just not remembering when/how much monthly direct debits are coming out or whether they've come out already and spending his money without thinking how much needs to stay in his a/c to cover them. Then transferred money from the joint a/c to cover his own dds, which meant we wouldn't have had enough in the joint a/c to cover household bills (if my beady eye hadn't been on the ball ) - he didn't do this on the sly or anything, it's just the expectation that the joint a/c or me will bail him out if he goes overdrawn etc...

I'm not really going to give him an allowance as such - just both going to pool our wages, leave enough to cover personal a/c bills and take out an equal amount of 'pocket money' for the month.

The guy next to me in work is a car geek and a penny pincher - great combo - font of useful knowledge