Tuesday 6th November - 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: hope you're all well this morning. I've been up half an hour and already had a very productive day! I have:

* paid cc
* put chilli in SC
* tried to check vodaphone
* checked banks

I will also:
* quick shower
*rough dry hair and tie back
* all meals from stores
* maybe go to allotment at lunch or go collect library book
* hang up washing
* NSD? Maybe depends if I go and get the book
* check onepoll
* purchase stain devil a la Ally's link for a free try yesterday
* sign up for the i week's trial a la Ally's link
* go for a run after work
* continue stripping wallpaper

Ok better go jump in the shower. Big love to you all x

stitching_witch

Thanks for starting us off today DNMS. How are the sewing lessons doing?

Here's me for today so far:

• breakfast from stores - HM granola
• fed and watered the chickens
• checked banking - £40 from 0nep0ll has arrived :j
• checked for surveys
• made packed lunch for DH and myself
• got curry out of freezer for dinner
• got a lift to work with DH which means I'm here an hour early but be blowed if I'll do any work until dead-on 9.00 - I don't get paid overtime!!

I will also:

• keep checking for surveys
• stitch for Christmas Fair at lunchtime
• get a lift home with DH, but stay in the warm office for 20 minutes until he arrives
• stitch this evening

I got into work this morning to find a note on my desk from our boss asking me to pay the first bonus with the November payday! It's £500 FTE so quite a lot less for me, but anything is better than nowt

Have a good day folks,
stitchy x

rising_from_the_ashes

Morning all:D

Determined thanks for starting us off and wow, you have been busy already!;)

stitching_witch wrote: »

I got into work this morning to find a note on my desk from our boss asking me to pay the first bonus with the November payday! It's £500 FTE so quite a lot less for me, but anything is better than nowt

It certainly is - esp in the run up to the big C:T

Bit of an odd day for me today......

• Boiler ..... new boiler breakdown provider is to come & inspect the boiler to see if it can be covered under a new maintenance contract - previous provider stopped cover as it's now too old :eek: and new one has to inspect it before agreeing to take it on :eek: - if they will, it will also be serviced today . Please keep your fingers (and toes) crossed it passes as really don't know what I'll do if it doesn't:eek: They are supposed to ring with an estimated arrival time 1st thing - not heard anything yet:(
• OH work referral tel appointment at lunchtime to discuss being off - I know it's routine but have been dreading this ..... not good at talking about myself / how I feel at the best of times - and esp not good at doing it over the phone :eek:
• Place order for cats stuff- still in basket from last night
• Sort cats
• Check online bank accounts / shuffle money around
• Try to have a walk later (raining atm)
• Thermals on ..... heating off
• Don't smoke!
• Hunt MSE for more tips on money saving
• Re-do SOA as have made some savings on insurances etc recently
• Start new jar for money saved from Toiletries challenge (going to put £1 away for every item I use up .... £5 so far ) - not sure what it's going to just yet - might be treats or I may pay towards OD every month
• B / L / D from stores
• Work on shopping list for Thurs
• Found a rather nice bit of material stashed in a drawer (when decluttering in the lounge;)) that I may be able to make a nice cover for the new (old) table - it's def seen better days and would look so much better with a nice cover over it!
• Knitting a bit more of DM scarf

That's it so far ..... have a happy Tuesday all

ChopinonaBudget

Happy Tuesday indeed!
My plans are quite simple - take laptop out to local Arts centre and work there most of the day. I'll be taking my own fruit and sandwiches, and their cups of tea are dirt cheap
House is already relatively tidy for teaching later so that's ok.
Any surveys that crop up I can do while I'm out using their wifi

Should be a productive and not too expensive day out of house

Karb

Morning everyone. Thanks dnms for starting us off.

Last day in my job today. Start a new one tomorrow, which is a lot closer to home. It means a lot less travelling, which I'm a bit unsure whether is a good or a bad thing. Its a pain when I have a 1¾ hour journey each way to the office, but it's nice when I get to travel further afield and get put up in hotels. There'll be none of that in my new job, but it's only a half hour journey to work.

Yesterday, I made the last payment to one of my credfit cards, so that's one less debt to worry about :j

I have to drive back from the North East to the Midlands today, so will use a fair amount of petrol, but other than that I'm hoping for a NSD.

Today I have/will

• Hotel breakfast (paid for by company)
• Raided hotel room of toiletries and tea/coffee
• Checked online banking (no surprises)
• Lunch on expenses
• Free tea/coffee at work

Cant think of anythig else at the moment. Have a great day everyone

La_escocesa

Hi everyone

Shh, I'm 'working'

Here's me:
· Put cheque in
· Paid up for euromillions syndicate - you never know…
· Finish toy I'm crocheting for friend's baby
· Do some yoga coursework
· Bit of yoga practice for Thursday's class
· Packed lunch - soup, bread, fruit, crisps and a few cheeky sweets in work
· Tidying round tonight - keeps me sane!! Get all stressed when my house is a mess.
· Keep eye out for job I know that's coming up - apply when it does.

Lotsa love

x

ziggy2407

Good Morning All

DNMS - Thanks for starting us off
Stitchy - Great news on the bonus
Karb - Great to see you back, missed your posts and well don on the new job

Hi :wave: to all the regulars and welcome :hello: to any newbies, you've joined one of the most supportive threads on MSE

Today's little list (apologies its boring and repititive and not very inspiring)

Check Banks - Done
Check Swapits - Done
Post cheque for insurance excess re: garage - Done
Work (11.30-1.30) - Done (while 2.15)
Washing - Tomorrow if weather improves - cold & wet today
General Tidy up - Done
Meals from stores - Done
Update Food Tracker - In progress (37lbs off so far)
Comps - Done a few
Knit or Read - Done

Hope everyone has a great day, love to you all

C x

allydowd

Hi folks,

My regular half-hour lunch break is now an hour lunch. I'm not happy about that. I get home half hour later as a result. It's bad enough having 'lunch' at 10am as it is!

Day 6 without pills. Mentally great; physically gruesome, but improving. LOL

Today I will:


ACTIONS

:staradmin Look for bargains and freebies when I get home and post on here.

:staradmin Usual daily tasks: One Poll, check online banking, Swagbucks and dress warmly.

:staradmin Enjoy free sweeties from my boss with my packed lunch.

:staradmin Go to work to pay my debts.

:staradmin Free Velvet Soft Tissues sample arrived today.

:staradmin Price check Tesco receipt to see if I'm due any cashback: Price promise link

:staradmin Look on Gumtree and see what's being given away for free: Link here.

:staradmin Use Orange Wed BOGOF offer at cinema tomorrow. Pay for ticket with mystery shopping earnings.Link here.


OFFERS

:starmod: Listen to free music on Spotify through my laptop. Link here.

:starmod: Call from Mickey Mouse(!) at Christmas Link here.

:starmod: Free Kindle book, "Tony Parsons on Life, Death and Breakfast" on Amazon. I can't see any catch. Link here.

:starmod: Free regular size hot drink for O2 customers at Caffe Nero. I haven't tried this myself. App here.

:starmod: I've heard that you get 250 Tesco Clubcard points for getting a car insurance quote at Tesco Insurance. I can't see anything about it on the site though, bit of a gamble.

:starmod: RBS and Natwest are doing a guarantee-to-beat Home Insurance offer until the end of the year for existing customers. They will also pay your policy cancellation fee for you. Call Telephone Banking during office hours for a quote. RBS: 0845 7242424. Nat West: 0800 051 5450

:starmod: American Express are offering existing customers £5 credited back to your card if if register it and spend £5 at participating small shops during November. Link here.

:starmod: BOGOF Greggs sausage rolls until 20/11/12. Not valid in Greggs cafes: Link here.

:starmod: Free 1GB USB flash drive and free Economist mag. Haven't tried this myself. Link here.

LeoLasagne

Morning all.

List for today:

Check banks and update spreadsheets. Need to check that my monthly savings have gone into my account.

Storecupboard breakfast, lunch and dinner.

Hit daily target on SB

Keep heating off as long as possible and stay warm in thermals!

NSD

One load of dishes a day. This is my new challenge, as I seem to constantly run a bowl of water for only a few dishes. Will attempt to leave all dishes until dinner this evening has been eaten!

Lots of work to catch up on today so need to have plenty of coffee on the go!


Have a good day everyone x

carrielovesfanta

*shuffles in*

Hello all - hope everyone's lists are going to plan

DNMS - thanks for starting us off, hope the wallpaper comes off easily

Right, must start posting as we have been slipping very badly of late. Laziness combined with busyness (business? sp) and tiredness = loss of £s and gaining of lbs

So today's mission:

Check cc statement (yay only £5.46 interest and balance now at £670 - hoping to pay off next pay day! :dance:)

Update spreadsheet with £10 + £5.46 cc payments

Think carefully about impending Christmas shopping trip with mother-in-law as to what will be purchased. Must talk to OH and write a list. (on the plus side, moeny has been put aside)

Breakfast, lunch and dinner from stores

Pluck eyebrows very carefully to try to hold off going to get them threaded for a little longer

Continue to crochet brother-in-law's Christmas scarf (not actually mse though because wool cost me £15 and would have spent £15-£20 anyway :cool: )

Try and motivate self to make some soup

Check Tesco express for cheap reduced lettuce leaves for sarnies

Think that's all. I have also been very good and cancelled gym memebership as was not going. Must force OH to cancel his too. Am getting a bit fed up of reminding him about doing things constantly!

Have good afternoon all!

rising_from_the_ashes

rising_from_the_ashes wrote: »

Bit of an odd day for me today......

• Boiler ..... new boiler breakdown provider is to come & inspect the boiler to see if it can be covered under a new maintenance contract - previous provider stopped cover as it's now too old :eek: and new one has to inspect it before agreeing to take it on :eek: - if they will, it will also be serviced today . Please keep your fingers (and toes) crossed it passes as really don't know what I'll do if it doesn't:eek: They are supposed to ring with an estimated arrival time 1st thing - not heard anything yet:( Still not had a call to say when they're coming ..... tempted to ring & check they are!
  
• OH work referral tel appointment at lunchtime to discuss being off - I know it's routine but have been dreading this ..... not good at talking about myself / how I feel at the best of times - and esp not good at doing it over the phone :eek: Done & was OK (person was really nice)

LeoLasagne wrote: »

One load of dishes a day. This is my new challenge, as I seem to constantly run a bowl of water for only a few dishes. Will attempt to leave all dishes until dinner this evening has been eaten!

I've been trying to do this while I've been at home and .... it's really difficult to not wash them The dishes (and cups especially!) mount up really quickly during the day ..... esp as trying to have lots of hot drinks rather than have the heating on constantly!