Wednesday 24th Oct - What small DFW things will you be doing today?

determined_new_ms

Tuesday 23rd Oct - 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 :money:

Morning :wave: just a quickie from me before I dash off to work!

* checked banking & cc
* payday today so some shifting of funds
* work out cc and put money into savings acc until payment day - put reminder in diary!
* breakfast and dinner from stores - meeting BFF for lunch
* get petrol and check tyre pressure
* call mechanic and book car in for some work
* see if I can go to the sewing group tonight as didn't go on Monday
* might go to the allotment as well
* read martin's newsletter and will sign up for some things on there

opps just seen the time! Better dah! x

immoral_angeluk

I got paid today, so tonight ill be updating my budgets/diary and paying some bills.
Have made my own work lunch but other than that its going to be a quiet day

stitching_witch

Good morning everyone, and thanks to DNMS for starting us off today.

Busy day yesterday so didn't get chance to get on here, but I did bag the bargain of the week! A Laura Ashley wool/cashmere full length coat for £12 in the charity shop! It's almost new and fits beautifully. :j

My list so far:

• washing up done on Economy 7
• breakfast from stores
• checked banking
• checked surveys - less than £1 to go now
• made DH a packed lunch
• fed and watered the chickens
• emailed accountant chasing my tax rebate

I will also:

• keep heating off
• pack 2 boxes of eggs for customers
• spend the day in the sewing room preparing stuff to sell at Christmas Fair
• lunch from stores
• check for surveys throughout the day - the last few pence are always the hardest to get :mad:
• dinner from stores off meal plan
• bake millies cookies whilst oven is on
• have an NSD

That should keep me out of mischief today. Have a good one folks,
stitchy x

Tiggy10

Hi all,

I have Been AWOL for a while, my new job is very busy. Let my DFW ways slip slightly, hoping to get back on track!
Today I have:
- breakfast at home
- lunch from leftovers
- all drinks at work
- moved money to pay bills. Withdrew rest and converted to holiday money to avoid spending before saturday.
- night in with the bf, dinner at mine
NSD!
Think thats it for today. Have a good day all!

ziggy2407

Good Morning All

dnms - Thanks for starting us off
Tiggy10 - welcome back

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

Sorry been AWOL for a few days, have been feeling extremely low and having a few difficult days. My little list (boring and very repititive, sorry)

Check Banks - Done
Check swapits - Done
coke zone Codes -
List "bits" for sale -
Washing & (unfortunately) TD -
Ironing -
Work (11.30-1.30) -
Keep up to date on Emails -
Keep up to date on surveys -
Quick tidy round -
Tidy LO's room -
Sort Linen cupboard (OH has bad habit of just chucking the bedding in after I've spent ages ironing and folding it:o) - Done
Meals from stores -
Food Tracker - in progress (37lbs off so far)
Weigh-in tonight (not holding out much hope ) -
Knit (finished 1st baby blanket, start 2nd) -
Comps -
10 mins on Yantra Mat -
Relax
Well better get off and make a start, love and best wishes to you all

C xx

PurpleFairy26

Morning All :j

Hugs to those that need them, especially all you busy bees, I know how you feel. Hi to newbies

My list today:
4 loads of washing to do, dry inside - 2 done - 2 to go
found an old graze box at the back of the drawer. How did I miss that before. Great snack
Food delivery coming in middle of day - cheap delivery and used MOC. Decided battling way round supermarket and carrying stuff now I'm 35 weeks preg is not a good plan. Think it will be internet based until the new year apart from a few bits here and there
Pop to c0stco to get some stamps for OH work - he'll re-imburse and I'll look for their cheap salmon whilst I'm there.
check banking
read martins e-mail
see if I can make a start painting the spare room tonight
check mysky account and see if they have corrected the box I have - if so, will upgrade my account (via £co) may not seem very MSE - but cash back is £100 and we have been offered the additional monthly cost as a christmas gift Would reallly like to do with the cash back obviously rather than just upgrade for nothing
Oh - do some work - working from home.

Right - must go and get dressed before internet shopping arrives:eek: have a great day everyone

Yargo1

Hi all

Well done on the coat stitchy - sounds fab

Ziggy - sounds like you are run ragged at mo x

A nsd here today , been in a meeting all am and have popped home to lunch so no spending!

Dinner from stores later, gammon and pineapple

Have a good day all x

Pernicious

Hi everyone,

Thanks for starting us off DNMS.
Well done on the coat bargain Stitchy! Who says you have to go without if you want to be MSE :j
Chin up Ziggy, hope it's nothing serious.

Today I have/will:-

• Food from stores
• Made use of free water/milk at work
• Dinner from meal plan this evening
• Log calories using free app - haven't done this for at least a week now! Really need to get back into it...
• Charged phone at work
• Check online banking
• Surveys
• Declutter a bit & lots of flylady - managed to declutter some used ink cartridges last night & need to send (freepost) to therecyclingfactory for a bit of much needed cash!
• Heating off
• Daily clicks etc on Sw@gbucks
• DIY manicure if I get time...
• Popped into an independent local shop on my lunchbreak to see if they had an oven lamp for cheaper than I found online & what a result, just over £5 online including p&p & only £1.85 in the shop! :j
• Look for mystery shopping opportunities now that I have been accepted
• Hope I get a second interview for possible promotion at work... Still waiting to hear on this!
• Make a start on application for job elsewhere, yay for plan B!
• Make use of TKD membership

Don't suppose anyone has any ideas regarding what I asked last night?

I'm still not 100% sure if we need a new oven seal though...basically whenever we use it we always need to turn it up at least 1 gas mark higher than the recipe states else we will end up cooking it for at least double the time, but the seal looks fine to us. Any ideas? Sorry if this sounds dumb but I have never had to do this before!

Have a great, MSE day everyone x

little_pink_purse

hi every one
thanks for starting us today dnms

well still doing splits so iam home til 3ish then back at 9ish

today
check my budgets
sort xmas gifts the last of then
do wage returns
check hrs etc

i will try for my 2nd nsd
oh and its freezing here grrr mr heating is on xxxxxlppxxxxx

uphillstruggler

Afternoon all!

Today I have/will:

*post ebay parcels [done]
*transfer ebay money to bank [done]
*pay in cheque [done]
*check accounts
*work admin
*make PAD to highest interest account
*food from stores

Have a lovely day x

delmar39

Looking at the remaining payments on my extension and firming up amount I can save plus looking at direct debits set up to pay of 0% credit cards in time. Just love playing around with money, even a few pounds here and there. Can make such a difference.