Wednesday 17th October - What small DFW things will you be doing today?

sibles

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:

sibles

I hope noone minded me starting? Is everyone ok?

Doing ok moodwise today, but I think it might be TOTM (sorry, a little TMI!) as I'm bloomin' starvin' have already scoffed all the fruit out of my lunch box!
Otherwise, today I have/will:
- food from stores (not sure it is gonna cut it though, cake may be required!)
- clicks and searches
- write down spends
- going to go for a walk at lunch with colleague
- write down calories (I'm plateuing at the moment, quite badly)
- surveys if I find them
- try not to spend too much on cake (or anything else for that matter!)
- maybe pick up some bargains for christmas if i find them (need stocking fillers for Dad and OH)
- find voucher for facial tomorrow, its somewhere
- write down spends
- messaging friend in India for free with app

That'll do for now!
Have a good day all
xxxx

southernbelle

Today I will:

• Try and persuade WDA to let me pay back over a number of months and freeze interest.
• Answer question on ebay item so hopefully someone makes a bid.:(
• Try and cheer up
• Not spend any money, despite my rumbling tummy.
• Try and find some surveys - up to £9.25 on Valued Opinions, £8 on GTM. That'll be £20 more to add to my sig hopefully.
• Swag some bucks. Want my first £5 by the end of the week!

determined_new_ms

Hi Sibs thanks for starting us off treacle! congrats on another lb lost I see! )

Ha ha re TOTM I think its acoming for me too as I have eatend everything in sight this morning, think that'll do me now for the rest of the day but was worrying earlier! Luckily it was all food I had...

Other small things for me:

oh returns after a week away :j so happy to be seeing him as I have missed him

Cook a lovely dinner from stores and make him a cake after work

go to allotment for an hour after work to stay out of the electrician's way - only 1 more day after today :T

call npower and give them meter readings

read martin's email

went to Mr T for the £1 cheddar but it wasn't £1 so I put it back!

go for a walk in my lunch break

print off irish stew recipe for the scrag end I bought at the butchers mmmmm

LSD - just the witch hazel for a horrid spot I bought at Mr T (again tmi!)

Ok think that's it for me today

headoutthesand

Good morning - and what a miserable one it is at that!!

Checked bank Made PAD Stay indoors (loaded with the cold so it's a day indoors in my pj's) NSD

Wee short list today. Supposed to go to theatre but not well so sold tickets. Not made any money but not lost out so can't complain.

On a bit of a tangent here, I've joined the 1% challenge but also worked out that if I want to have my debt paid off in a year I will have to pay £8.50 a day (this is including my min payment). To see that is very hard to digest but hopefully I will get there without too much trouble

PurpleFairy26

Afternoon All:)

Thanks for starting us Sibles. My list for today:

Take cardigan back that I didn't wear to a wedding on sat for a refund
Meals from stores
Lots of washing - dry inside, including bedding
Post 3 fleabay items
move fleabay winnings to current account
check e-mails for items I sent off for refund/cash notifications
print ikea voucher from Martin's e-mail

Think that's about all - have a good day everyone

stitching_witch

Good afternoon everyone. We're a bit quiet again aren't we??
It's a Stitching Witch day today and I've just stopped for lunch so time to dive on and say hello.

Small things so far:

• WM ran overnight on Economy 7
• HC hung on airer to dry
• checked banking - £60 refund from BGas AT LAST!!!!
• shuffled monies between accounts so none are O/D :cool:
• fed, watered and cleaned the chickens out in exchange for eggs
• finished two items for the Christmas Fair
• lunch from stores - HM bread with HM apple and blackberry jam

I will also:

• check for surveys
• continue stitching
• make 2 quiches and freeze one
• bake cookies whilst oven is on
• keep heating off
• have an NSD

Not much left to do really, just a bit of general pottering. I could quite get used to these days off. I'm down to three days at the 'proper' job but one day......

sibles

Thanks dnms - I have shifted 17lb altogether and my friend commented on my weightloss which was lovely, but I'm kind of stumbling at the mo... the colder weather really doesn't help! I'm feeling it way more this year.

Ah well, glad you all made it, hope everyone else turns up soon too!

Pernicious

Hi everyone,

Thanks for starting us off Sibles, it's already that TOTM for me...hence a major wobble on Monday
DNMS - Ooh you are good to your OH, all this talk of cake is making me really want some!

Will catch up with everyone else later as I'm running out of time...

Today I have/will:-

• Food from stores
• Made use of free water & milk at work
• Picked up some cheap cards on my lunchbreak & some tights, resisted buying things we don't need!
• Dinner from meal plan - Stir fry, nuts & noodles again
• 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
• Post update on grocery challenge thread
• Make use of TKD memberhsip tonight
• 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!
• Accepted an interview for the promotion I applied for

Have a great, MSE day everyone x

allydowd

Today I have:

:grinheart Been to work. Not too bad; very high pressure job.

:grinheart OnePoll

:grinheart Renegotiated credit card debt as my 0% balance transfer offers have run out. :mad:

:grinheart Packed lunch for work.

:grinheart Free sweeties at work.

:grinheart Prepared my brain for PayDay tomorrow.

:grinheart Charged mobile away from home.

:grinheart Posted an eBay purchase.

:grinheart Kept an eye on the three things I'm selling on eBay.

:grinheart Received replacement for damaged Theatre Token.

:grinheart Worn my mountaineering base layer around the flat to keep warm.

:grinheart Downloaded new Firefox browser to see if it is quicker than Chrome browser. http://www.mozilla.org/en-US/firefox/new/

La_escocesa

headoutthesand wrote: »

On a bit of a tangent here, I've joined the 1% challenge but also worked out that if I want to have my debt paid off in a year I will have to pay £8.50 a day (this is including my min payment). To see that is very hard to digest but hopefully I will get there without too much trouble

Good way to look at it.

I might count up soon...