Tuesday 16th October - What small DFW things will you be doing today?

ziggy2407

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:

ziggy2407

Good Morning All

Wow, late start today, hope everyone is well

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

My little list (boring and repititive, sorry)

Check Banks - Done
Check swapits - Done
Work (11.30-1.30) - Done (while 2.15 again, every little helps)
Keep up to date on Emails - Done
Keep up to date on surveys - Done
Quick tidy round - Done
Meals from stores - Done
Food Tracker - in progress (37lbs off so far)
More work in mum's bedroom (?) (one wall left to paper) - Night off, lol
Read (find book from stash) -
Knit - Done
Comps - Done a few
10 mins on Yantra Mat -
Relax - YES & Feelin' good - reading, baking, knitting & you guys all make relaxed and chilled

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 my lovelies

Love this thread

Here's me:

• * Got accepted as a course tutor for my professional body - yay, the geek in me is happy Keep own knowledge up-to-date (will kinda be like revising the course) and get £4 per paper marked. Also looks pretty good on t'old CV
• * Sent an email round work to see if anyone would be interested in me running a lunchtime yoga class - looks like I've got a bit of interest. V excited about my new yoga business! :T
• * Got 2nd hand book case for £10 :T - That's my home office/study/guest bedroom kitted out for £30 - 2nd hand desk and chair for £20; bookcase for £10; paint and carpet didn't have to be changed; shelving unit from old flat (M&D bought me) and sofa bed 'acquired' from parents' attic
• * 50p can of soup for lunch
• * Need to get the TVs I'm selling listed tonight!!
• * Posting things 2nd class
• * Keeping up-to-date with cleaning around the house - is much easier to stay on top of it rather than letting it get on top of me

uphillstruggler

Morning all - and what a fine morning it is.

La e I also love this thread and am a long-time lurker! Really makes me get myself in gear. Today I will do/have done the following:

*check banks [done]
*find 2 more ebay items and list
*food from stores [done]
*pay in money
*resist the urge to put the heating on [good so far]
*gumtree 4 items [gumtree having problems at the mo]
*NSD - apart from petrol for work
*Do 3 competitions [done]

Have a lovely sunny day, everyone

determined_new_ms

Hi guys - Zigs thanks for starting us off! :T Am sooooo impressed with your weight loss, wish I could stay motivated to lose weight but at 11 I am already eating my lunch!

La E - nice one on the spare room :T and also the extra work, keeping your professional hand in and developing the yoga business - all exciting stuff!

My things for the day:

* checked banking - no change hurrah
* checked vodafone bill - have gone over contract but luckily I checked it on 5th and saw I had gone over and didn't make any calls after that so that damage has been limited - my contract is cheap as chip but if I go over my allowance its 29p a minute :eek: regular checking now
* breakfast & lunch from stores
* NSD
* going to BFF's tonight for dinner, film and general lovely catch up :A
* check job sites
* go for a walk at lunch time
* try to stick to diet! Having the most lovely ratatoille right now mmmmm
* send off old licence to DVLA

Ok that's all I can think of!

Have a lovely day y'all x

Pernicious

Hi everyone,

We're quiet again today!

Thanks for starting us off Ziggy, & yes well done on the weight loss, very inspiring!
La e - You're doing so well lately, & what great news about starting a yoga club on your lunchbreak! Talk about making the best use of your time & talents :T
DNMS - Good work with vodaf0ne, is it worth upping your contract slightly to include more minutes?

I had a major wobble last night, after an absolutely rubbish day I asked DH to order pizza...not only that but instead of doing the things I should be doing, I sat in front of the TV & Facebook all night! I'm so angry with myself because I have now blown the grocery budget & thus failed the challenge, & I will have to play catch up tonight with an ever growing to do list.

Today I have/will:-

• Food from stores
• Made use of free water & milk at work
• Free lunch leftover from a meeting, will keep my salad in the fridge for tomorrow
• Staying in for my lunchbreak to avoid spending
• Leftover pizza for dinner...
• Log calories using free app
• Charged phone at work
• Check online banking
• Surveys
• Declutter a bit & lots of flylady
• Heating off
• Daily clicks etc on Sw@gbucks
• Order sister's birthday prezzy with Am@zon code thanks to nectar points & getting it delivered straight there to save postage costs
• Post update on grocery challenge thread
• Study
• Free exercise on my pole if there's time...
• Decide if I want to apply for a job elsewhere...very similar location, a nice payrise, an extra day holiday...more varied tasks...I don't even know why I'm hesitating!

Have a great, MSE day everyone x

headoutthesand

Good afternoon everyone. Another early post from me - the joys of half term holidays although the weather is pants today.

Today I have:
Checked bank
Made PAD
Bought only essentials from shop (bread and soup)
Done budget for next month
Checked house insurance - no payment this month or next :j
Put everything back up loft following free insulation installation
Looked out old bank books to withdraw money that's been in them for 12+ months (only £56 but still mine)

Also:
Dinner from meal planner
Sorts kids rooms and look for eBay items
Pop into work to pick up A3 paper
Call new bank to tell them about charges on old account in the hope they compensate me for their mistake

ziggy2407

determined_new_ms wrote: »

Hi guys - Zigs thanks for starting us off! :T Am sooooo impressed with your weight loss, wish I could stay motivated to lose weight but at 11 I am already eating my lunch!

Pernicious wrote: »

Hi everyone,

We're quiet again today!

Thanks for starting us off Ziggy, & yes well done on the weight loss, very inspiring

Thank you girlies, has been really S-L-O-W but at least I know I'm moving in the right direction and now I'm feeling better am going to step up the exercise a bit more.

Thank you again, has made me feel all warm and fuzzy :A

sibles

Right, perni, don't you beat yourself up! Everyone has bad days, please don't make yourself feel worser!! be kind to yourself.
Hope everyone else is doing ok? I've been extolling the virtues of this page to a lovely friend today, giving her a bit of a boost.

Today I have/will:
- food from stores
- resisted cake at lunchtime
- clicks and searches
- £2 coin to my pot (my heart almost sinks when I get one - though I like saving them!!)
- clicks and searches
- surveys if i get any
- print out reindeer cookie picture so i can recreate!
- need to make a start on christmas makes

That is all for me today. Have a lovely afternoon one and all
xxx

allydowd

Today I will:

:starmod: Go to work. Done. Got a free packet of crisps and found a penny.

:starmod: Check eBay. Done. I've made £140 this week.

:starmod: Wrap up warm. Done. There's snow on the mountains!

:starmod: One Poll. Done. It's taking forever to get to £40!

:starmod: Save 0800Buster to my mobile phone so I can call 0800 numbers free from my mobile. Done. Here's the site: http://www.0800buster.co.uk/ It's recommended by :money: I'm gonna use it once and then check with my mobile provider to make sure it works before I use it loads! Read the disclaimer before you use it.

:starmod: Checked here to see if I have any forgotten UK bank accounts that I could cash in on. http://www.mylostaccount.org.uk/ Done. This is a FREE service operated by the British Bankers’ Association, the Building Societies Association and National Savings and Investments. If you think you may have lost touch with your account or savings, this website will guide you through some simple steps to help reunite you with your money.

:starmod: Tell friend about free BT directory enquiries for people who are unable to read or hold a telephone directory due to illness or disability. Done. You get an application form from 0800 587 0195. The form needs to be countersigned by a doctor or other medical practitioner.

:starmod: Signed up for mystery shop on Friday. Done.

:starmod: Read papers online. Done. From Dec 2012 women can no longer be charged lower car insurance premiums than men. So all we girlies might need to plan for this increase. You can read about it here: http://www.bbc.co.uk/news/business-12606610

allydowd

headoutthesand wrote: »

Looked out old bank books to withdraw money that's been in them for 12+ months (only £56 but still mine)

Have you seen http://www.mylostaccount.org.uk/ This is a FREE service and is brought to you by the British Bankers’ Association, the Building Societies Association and National Savings and Investments. If you think you may have lost touch with your account or savings, this website will guide you through some simple steps to help reunite you with your money.