Tuesday 13th November 2012 What small DFW things will you be doing today?

Karb

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 everyone. Was shocked to see no thread this morning. Where are all the earlybirds today?

ziggy2407

Good Morning my lovelies

Karb - Thanks for starting us off

Hi to all the regulars and welcome to any lurkers and newbies :wave:, you've joined a FAB supportive thread.

Todays little list

Check Banks - Done
Check swapits - Done
Work (11.30-1.30) - Done (2.15 finish today)
General Tidy round - Done
Meals from Stores - Done
Update Food Tracker - (35lb, so far)
Comps - Done a few
Read - in progress
Knit -
Check Christmas list and see how far I am -
Find: ally's post re: the past -
List few bits for sale on FB/netmums etc -

Have a great day all, love to you all :A

C xx

thatsean

Hi everyone - I'm a noob on this thread.

Today I cancelled my o2 phone contract, in favour of a PAYT deal, closed two savings accounts that, frankly were opened at a far more aspirational time - and made an extra payment to payplan. That £4.96 payment of loose change will totally make a dent in the 16 grand I owe! :rotfl:

If you didn't laugh an all that.

Oh, found a heap of McDonalds coffee cards too, so the cappucino's on me

La_escocesa

Hello hello :hello:

Here's me:
Found £10 on the street
Taking a half day off work to help me get organised around the house and play with the pup
Arranging someone to pick up freecycled armchair - glad it's not ending up in the skip
Got £9.90 expenses paid :cool:
Free cake in work
Give OH bus pass later to save him bus fare and his weary legs - he walks about 6 miles a day usually and likes to moan about tired legs a lot
Trip to W1lkos later - use MOC and take list
Checked banking - all as expected

Love it Thatsean - every little helps. And good find on the coffee!

PurpleFairy26

Morning all, thanks for starting us Karb well it's kind of like day 1 proper maternity leave today, officially finished last week but still doing some bits and pieces so hopefully apart from 2 outstanding calls im done :j my list for today:

Oven being cleaned professionally. At a cost but I'm in no position to do it and it will hopefully extend life of cooker
'shopped' for some Christmas presents out of my box of goodies:D
Made list of few presents and cards left to get
Sorted clubcard vouchers to go and try and get DM b'day present later
Pick up something else I bought through vouchers whilst there
Remember to chek in via £co whilst there
Meals from stores
Packed maternity bag, hopefully won't need it as want to have baby at home but either way everything is now in one place
Checked banking paid water bill from money saved each month

Think thats about all

Rising from the ashes read yesterday's post re getting paid early, have you though about just moving the whole amount to savings account on day you get paid early to transfer it all back on your 'real' pay day earning youre not really getting paid early.

Have a god day everyone

carrielovesfanta

Afternoon all

Thanks to Karb for starting us off.

La E - I got a free cake in work too. Wow imagine if we actually work together and don't even know it :eek:

I woke up feeling very funny today, and spent quite a few hours feeling very sore and sorry for myself, but paracetamol have fixed it now - phew!

Also, what is going on with the site? Seems to be loading up very slowly?

Today's mse things:

Showered with less water again and didn't wash hair

Check online banking (nearly all Christmas present payments have come out)

Charge phone in work

Free cake! (does that mean it's calorie free too? :rotfl:)

Logged calories with free app

Breakfast, lunch and dinner from stores

Go to Asda with OH with carefully planned list

Work a bit of overtime

Erm that's about it. Very exciting life I lead!

All the best guys

Pernicious

Hi everyone,

Thanks for starting us off Karb, no list today?
Welcome thatsean & well done, great start
La e - Sorry if I'm being thick but what is MOC? Yay to finding £10!
Carrie - I like your thinking regarding calorie free cake! If only


Today I have/will:-

• Made use of free water & milk at work
• Food from stores
• Staying in for my lunch break to avoid spending
• Dinner from meal plan - HM kale & mushroom lasagne
• Charged phone at work
• Heating off as long as possible, lots of layers instead
• Daily clicks etc on Sw@gbucks
• Log calories using free app - I AM getting back into this, who is with me?! Feel free to add me on MyFitnessPal, my username is hawaiian_supergirl
• Check online banking
• Surveys
• Declutter & flylady
• Check for more mystery shopping opportunities
• Take a photo for NUS card
• Enter some comps
• Thinking about what to get people for Xmas & how best to stick to my budget for DH...Need to email some family members who have asked what they can get him, if i know he's getting what he wants from them too I won't feel the need to spend so much on him!
• Trying to make a plan of what I need to do for the week ahead, I will be organised & ready for the car boot sale!
• Need to update grocery challenge
• Enter receipt details into Mr T's price check
• Study
• Washing on eco setting using less than the recommended dose of washing liquid
• Hang up to dry

Have a great, MSE day everyone x

stitching_witch

Pernicious wrote: »

La e - Sorry if I'm being thick but what is MOC?

Money off coupon perhaps? It's all I could think of!

rising_from_the_ashes

Hi all - DM picked me up this morning & has brought me home with her for the night - so no list from me today!

On phone& cant quote or thank for some reason?

Enjoying Maisie (my dog) cuddles as shes been staying here while Ive been ill & its been 5 weeks since ive seen her eekkkk BUT she remembers me so happy!

See you all tomorrow & have agreat rest of the day!

La_escocesa

stitching_witch wrote: »

Money off coupon perhaps? It's all I could think of!

Tis the one. Got £2 off and bought a euromillions ticket

headoutthesand

Good afternoon everyone. It's miserable outside but I'm not fussed cos its my birthday

Today I have:-
Checked bank - expenses from work are in
Made PAD with expenses and a little extra I would have used anyway
Completed 2 MS. Bought a Xmas present at one and picked up something for OH which he gave me money to get anyway. Double win for me
Going out for big family dinner but eating off special price menu
Posted things on facebay. I hope they sell
Claimed bday swag points
Booked hotel via quidco

That's all for now. Have a lovely evening folks