Wednesday 7 November - 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

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

Wow, cold and very windy here this morning. Today's little list (apologies its boring and repititive and not very inspiring)

Check Banks - Done
Check Swapits - Done
Work (11.30-1.30) - Done (9-2.15)
General Tidy up - Done
Meals from stores - Done
WW weigh-in - 2lb on (not bad considering still on steroids and meds for other issues)
Update Food Tracker - In progress (35lbs off so far)
Comps - no time today
Knit or Read - Off to bed soon to read

Hope everyone has a great day, love to you all

C x

carrielovesfanta

Morning all

thanks to Ziggy for starting us off.

Making good on my threat to remember to post...

Today's list:

Got mum's Christmas present. DVD for £1.47 on Amazon :money:
Breakfast, lunch and dinner from stores (eating OH's dinner from last night because apparently he doesn't like curry any more :cool:)

Charge phone in work

Read weekly email :money:

Using freebie Aquafresh toothpaste from weekly email (don't like it very much though, tastes chalky)

Need to buy milk, will look for reduced lettuce at same time (couldn't get to Tesco yesterday)

Carry on crocheting scarf for B-I-L

Check online banking (all appears to be in order)

Possibly make a PAD, but it will have to be either £5 or £10. Am a bit OCD over non-round numbers on my cc statements.. )

Think that's a good start

Have a good one guys

OrangeFairy

Morning MSE'rs!

I feel a bit of a fraud posting today as I am going for my big Xmas shopping trip today! So a very spendy day!!

However things I will do to help slightly.....

Had a snack before I left so when we get to Exeter I have a SMALL breakfast in d3b3nhams
Look out for deals on presents to save some money
I have taken cash out as I find I am less frivolous when I am handing money over rather than card
Check banking when I get home
Jackets for dinner to use up beans, cheese and tuna.
Meal plan with our full freezer of food
Make lunches for tomorrow!

Have a great day peeps

OF xx

stitching_witch

Hello fellow DFW folk, and thanks to ziggy for starting us off today.
It's a Stitching Witch day today, but the first part of the day will be taken up by a doctor's appointment with the results of last week's X-ray. I was dreading taking the motorbike as it's so cold, but a few well aimed hints yesterday and my lovely ex-DIL is coming to pick me up and take me home again :A

List so far:

• breakfast from stores
• fed and watered the chickens
• made DH a packed lunch - left over curry blitzed into a soup!
• checked banking
• washing up done on Economy 7
• taken basic mince base out of freezer to jazz up for dinner - I cook 10 pots at a time!

I will also:

• get a lift to and from Doctor's surgery - it's in the nearest town so too far to walk with an arthritic knee
• use pre-payment certificate for prescription - this has saved me pots of money this year!
• keep an eye on surveys
• bake mini Victoria sponges for work tomorrow as I won't buy my birthday cakes from the bakery
• lunch from stores
• spend the afternoon in the sewing room - 6 more sock monkeys to make for the Christmas Fair
• dinner from meal plan/stores - HM lasagne with salad
• stuff sock monkeys this evening in the living room as it's the one room with heating already on
• have an NSD

I think that will keep me out of mischief today!
stitchy x

rising_from_the_ashes

Morning all and thanks to Ziggy for starting us off.

Carrie I did chuckle at your toothpaste description .... currently trying to use up some of the huge stores of toiletries I have and have come across several I really don't like ..... which provides the practical / must not throw anything out side of me with a real dilemma (and prob one of the reasons I've so much stuff in the 1st place) .... if I don't like it - put it in a drawer:o. Orange enjoy your day

List for today:

• Boiler inspection / service ..... fingers crossed everyone - both that they actually come today and that it passes:cool:
• B / L / D from stores
• Thermals on ...... heating off!
• Washing on & then hang up
• Wee walk at some point
• Sort cats
• Debate about cats order again
• Read weekly email and look for tips:money:
• Search for best deal on a new monthly saver account
• Finalise shopping list for DM tomorrow
• Knit DM scarf
• Don't smoke!
• Work on Xmas pressie list .... may have to do this online as no sign of being able to get out & about soon so need to start thinking about it
• Read for a wee while
• Try to sort out sewing machine :eek:
• Finish edging throw for table (if I can fix sewing machine!)

That's it for now .... have a good day everyone

southernbelle

Today I will:

• Post 2 x ebay parcels
• MS for lunch
• Walk dog at the same time as doing the above
• Drive to Salisbury to take a picture for a MS I did on Saturday - I forgot to do it at the time :mad: I hope they accept it this late otherwise will be £10 down instead of up.
• Keep on top of surveys
• SB

Do any of you swaggers know when the daily bonuses get credited? I'm not sure mine are being added, they don't show on my ledger.:o

sibles

Hey all!
Lovely to see you all *passes round the biccies*
southernbelle i think they get added at the end of the month, cos you get the big bonuses if you hit the targets (that is certainly what happened with the halloween ones)
stitchy good luck at the docs
orangefairy hope you have a lovely christmas shopping day!
ziggy how you feeling now my lovely?

I did it! i broke my spending spree and had an NSD yesterday, hopefully my first of 3, I've not been spending a lot, just more than I'd like given the coming change in my employ! I'll be debt free but I don't ever want to get into this trouble again, and I shall keep up my DFW ways, and use them to save money!

So, today I have/will:
- drinks from here (no buying coffee! 2 days in a row baby!)
- food from stores (tried a sharon fruit from our veg box this morning - not sure!)
- clicks and searches (got £10 in amazon vouchers from SB on order!)
- need to pick up some craft fair gubbins at lunch, need to make some cheapy stocking filler type bits for the kids!
- write down spends
- look for surveys (got £20 in amazon vouchers from myvoice this week, more christmas pressies!)
- phone furniture charity to pick up our sofa
- look into christmas saver account for next year - thought I'd try and allocate some each month into an account I can't touch, so I spread the cost even more
- tackle another drawer at work
- have a quick scout around for freebies and comps
- cut out material for some christmas presents
- look at options for redundancy money (ISA's etc)

That will do me
Have a wonderful daty, and remember, it's hump day!!

B xxx

La_escocesa

Hi everyone

here's me:
· Pay cheque in - didn't do this yest.
· Submitted invoice for mystery shopping - £33.50
· Finish toy I'm crocheting for friend's baby - didn't do this yest either…
· Bit of yoga practice for Thursday's class - think I've got 3 people coming this week.
· Free meditation on Deepak Chopra's 21 day challenge
· Packed lunch
· 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.
· OH's class tonight - remind him to set up standing order for the hall hire
· Call about ordering bedroom carpet
· Got a letter confirming I'm now on the correct tax code
· Smile because November payday is on the horizon and I've got overtime and a bonus coming my way
· Submit expenses

Lotsa love

x

southernbelle

southernbelle wrote: »

Today I will:

• Post 2 x ebay parcels Done
• MS for lunch Done, yummy Subway sandwich!
• Walk dog at the same time as doing the above Done
• Drive to Salisbury to take a picture for a MS I did on Saturday - I forgot to do it at the time :mad: I hope they accept it this late otherwise will be £10 down instead of up. Done and uploaded
• Keep on top of surveys Done
• SB Done

Do any of you swaggers know when the daily bonuses get credited? I'm not sure mine are being added, they don't show on my ledger.:o

Can't edit on silly work computers so, have to quote instead.

All done then, so off to bed with me. Have had a successful day, and there's still money in the bank I *think* I've paid all my bills too for this month, in fact, I tried to pay my mobile phone bill twice!!

Pernicious

Hi everyone,

Thanks for starting us off Ziggy.
OrangeFairy - That could still be MSE, just be sensible about what you buy & shop around/haggle
Sibles - Well done on your NSD
La e - Which mystery shopping company are you with? That's fantastic! My first assignment has been delayed but I can't wait for it, I'm expecting £10 for it


Today I have/will:-

• Made use of free water & milk at work
• Food from stores
• Leftovers for lunch
• Staying in for my lunch break to avoid spending
• Dinner from meal plan - Stir fry, nuts & noodles
• Charged phone at work
• Heating off as long as possible, lots of layers instead
• Daily clicks etc on Sw@gbucks
• Keep fingers & toes crossed re job application...
• Log calories using free app
• Check online banking
• Surveys
• Declutter & flylady - After finally getting on top of things I am trying to do a little each day to stay on top of things!
• Check for more mystery shopping opportunities
• Take a photo for NUS card
• Enter some comps
• Research the car boot sales suggested to me
• Make use of TKD membership
• Thinking about what to get people for Xmas & how best to stick to my budget for DH...we're trying to reign it in this year as we always go a bit mad & spend loads on each other when we really don't need to!

Have a great, MSE day everyone x