Friday 23rd November - What small DFW things will you do today??!

allydowd

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 all. Hope everyone's ok. Got carried away with the DIY yesterday and then we went to the Theatre so never got round to coming back on here and posting. Anyway here's what I did yesterday/will do today:

:wave: Trip to theatre in the city last night. £2 city centre parking. £5 tickets courtesy of my employer and then a free seat upgrade on arrival as the show wasn't a sell-out. Took own drinks at interval. Had a free meal at home from M&S as a friend gave us a £10 voucher as a moving in gift.

:wave: Quietly celebrate paying off Credit card 2 yesterday with a good cup of coffee and some sweeties bought with above voucher..

:wave: Bought cheap vinyl for bathroom in B&M Stores. Didn't use delivery services. Fitted it myself using own tools. Alas they only sell it by the metre not the half metre.:mad: Still there'll be enough spare to do the front hallway.

:wave: Called credit card company on cheap number found on this site.I refuse to phone 08... numbers at a cost from my mobile.

:wave: Check to see if bank have fixed error on my account as promised. Nope.

:wave: Walked around 5 shops to find the one that sold the cheapest bathroom blind.

:wave: Drove items only fit for landfill to local coup/tip as I was passing on way to theatre.

:wave: Paint bathroom windowsill with gloss kept from last DIY project at old flat.

:wave: Cleaned gloss paint off hands with home-made Swarfega: Olive oil, rock salt and washing up liquid.


OFFERS:

:starmod:Free Thornton's choc or Santa lolly in store via Facebook printable voucher. Valid until 25th November 2012.Click here.

:starmod: Free porridge: Click here.

:starmod: Free Lidl Advent Calender via Facebook printable voucher. Pick-up 24th/25th Nov only. Click here.

:starmod: Free 2019 Calendar! This is ingenious, please have a read. Click here.

:starmod: Money off Waitrose shopping. Click here.

:starmod: Today's Daily Express, Page 31, Coupon for 25% Off Everything at Hobbycraft Stores, Valid until 2nd Dec.

:starmod: £5 Off £25 Spend at Robert Dyas online. Valid until 28th Nov. Use code
XMAS12DM5 at checkout. Click here.

:starmod: M&S underwear sale. Click here.

:starmod: Free tickets to the Housebuilding & Renovating Show? Click here.

:starmod: Free Postcode Lottery. Not THE Postcode Lottery, another one! Click here.

carrielovesfanta

Morning! Early post for me today but am posting from phone so odd words might creep in!

Didn't make it onto the thread last night but did skim over.

Hugs to those who need them.
Ally - awesome on the cc cleared. Thanks for starting us off today.

Payday today - no rise though

My list today:

B/L/D from stores

charge phone in work

followed in ally's footsteps and CLEARED CC 2!!

Be sparing with electricity because bill has gone up.

Make all payday payments and shuffles. Put 250 aside for mot in March (planning ahead!)

Hope you all have a good day x

rising_from_the_ashes

Morning all Ally your evening sounds lovely & very :money:, thanks for starting us off. Carrie well done on clearing CC2:T:j Perni thanks for the kind words last night .... hopefully things should improve/start to settle soon!

DM visiting today so will be nice to see her (and get some fresh groceries!). Managed to get big cat booked into vet for his very overdue booster while DMs here to drive us . He's driving me nuts as he wants out but can't go or I'll never get him back in again!:)

Bit of a similar list to yesterday - as I really didn't achieve a lot then!:o

• Had bath
  
• Don’t smoke
  
• Thermals on ..... heating off
  
• B / L / D from stores - LO Risotto for dinner!
  
• Check online banking
• Sort cats Done!
  
• Tidy up
• Check spreadsheets up to date
  
• Work on 2013 budgets
• Get to grips with S*buck
• See if there are any offers on the cat food I've got listed
• See if there are any offers on the e*bay items I've got listed
  
• Knit DMs Christmas scarf .... running out of time!
• Try to have a walk
• Sort inside freezer Finally done - has been on the list for days!
• Finish letter to Water Supplier & send
• Sort winter car kit & put in car!
• Find camping stove & put somewhere handy (for power cuts)
• Have NSD Nope!
  
• Put car in garage if weather gets worse
• Phone new dog insurance co to check something in T&Cs - cancel if not happy Phoned & everything OK!
  
• Phone old dog insurance co & cancel (if above OK) Phoned & cancelled - d/debit due to come out on Monday but will be refunded. Need to remember to check account next week! *
• Get cat carrier down from loft Done!
• Re-package trolley delivered yesterday for return to seller and put in garage Done!
• Take big cat to vets for booster - not looking forward to getting him in the carrier:eek: Done - caught him when he wasn't expecting it & it went OK!!!!
  
• Visit from boss this afternoon
• Sort groceries out & freeze anything that can be!
  

That's it for now folks, have a lovely Friday :D

Making some progress - thank goodness as didn't get much done yesterday at all!:)
* this is where I need a book to write reminders in!

OrangeFairy

Morning ladies and gents

Not much going on here. Hubby's pay day which is a relief!!

My list

Work hard
Drink free water at work
Buy a top for friends daughter for her bday
LSD
Try and get top score skittles so I win the £1 prize!!
Maybe meet up with ex-colleague for a drink
Hm soup for lunch
Sausages and egg for dinner
Use bus card for travel
Tidy house
Check I have gingerbread ingredients.
Carry on with new 101 list
Carry on with photo books for Xmas

OF xx

sibles

Morning gang,
I'm in crazy "trying to clear my desk and apply for jobs and say goodbye to everyone" mode, so not making it on here as often as i'd like! The time has come, and next week is my final week - I also get my payout next tuesday (first job will be to pay off my loan!!)
Hope you are all well and feeling full of friday joy, hugs to those that need them! Here is my list:

- clicks and searches (think I should manage another voucher before christmas actually!)
- food from stores (leftover enchilada for lunch!)
- send my cv off for a job
- look for other jobs
- write down any spends - a habit i must get back into
- research christmas presents for my lovely OH
- rethink idea for mum for christmas
- clear out some more rubbish from my desk
- LSD going out for coffee with the girls at lunch

Well, I think that will do me, happy friday y'all
B xxxx

determined_new_ms

Morning guys :wave: thanks for the kick off Ally

Payday for me too OF - virtual anyway :rotfl: (all funds going to house at the moment...)

Excellent news to both Ally & carrie for clearing those ccs :T have a celebratory beer on me :beer:

Sibles hope you're ok and staying positive x

My things for today:
* checked banking £20 more than budgeted left from last month :T
*[STRIKE] VSP and will update sig in a minute[/STRIKE]
* [STRIKE]texted friend to arrange a get together the week after next[/STRIKE]
* email another for the following week
* [STRIKE]emailed freecycler as I didn't make it to hers last night[/STRIKE]
* [STRIKE]printed off voucher for calendar [/STRIKE]- thanks Ally
* [STRIKE]emailed friend about PR for the voluntary work I do[/STRIKE]
* all meals from stores
* wrote small shopping list to get on way home from work
- hopefully will get some reduced items too!
* stic to list!
* go into town for ex-mil at lunchtime to exchange some items for her
* going out tonight with BFF, her husband and oh (shhhhhh its my birthday on Sunday) for dancing and frivolities. Staying at hers rather than getting a taxi back
* called gas plumber I know and arranged for him to re-route our gas pipes so I can get our cooker in next week :T
* book van to collect kitchen :T

StressedSteph

Hi all.

Thought I would join in today, rather than just read and run.

My small list for today is:-

*Put washing on the line instead of tumble - Rare bit of sun is out.
*Buy only what is on my shopping list and nothing extra.
*I make HM bread but often throw away the last bit that was'nt eaten - Either make bread and butter pudding with it or feed to chickens - Do not throw it away..
* Do not buy anything


Thinks thats all for today,

Good luck everyone with their plans for today. At least it isn't raining for the first time in weeks :T

ziggy2407

Good Morning my lovelies

ally - Thanks for starting us off
:Tally and carrie - BIG Congratulations of paying off your credit cards:T
StressedSteph - Great to have you "with us"
DNMS - Hope you have a FAB Birthday weekend
Hi to all the regulars and welcome to any lurkers and newbies :wave:, you've joined a FAB supportive thread.

Todays little list

Call Mum and wish her a very Happy Birthday and remind her I LOVE HER - Done (28 year old in a 78 year old body, lol)
Check Banks - Done
Check swapits - Done
Check Postcode on www.freepostcodelottery.com - Done
Register for BHF Santa Jog for me and little one - Done
Call WW re: refund of fees - Done
Order Prescriptions - Done
Work (11.30-1.30) - Done (2pm finish again)
General Tidy round - Done
Meals from stores - Done
Investigate selling knitting mags & books for mum -
Update Food Tracker - in progress (35lb, so far)
Comps -
Read Library Book- in progress
Knit -
List few bits for sale on FB/netmums etc -

Hope you have a great day, love to you all :A

carrielovesfanta

Thanks guys!

I've got to a pc and updated my sig.

That DFD is so close now I can almost taste it! I am 78.93% cleared now :j

Only one more card and £500 to my dad to go!

Pernicious

Hi everyone,

Thanks for starting us of Ally, & thanks for the free 2019 calendar! I have never thought of doing that :rotfl:
RFTA - Hehe, when you talk about your big cat I imagine a miniature Tiger or Lion :rotfl:
Sibles - Hope you're ok & not stressing out over it.
DNMS - Have fun tonight & I will quietly wish you a very happy birthday too incase I don't make it on over the weekend
Carrie - Your sig looks fab, so inspirational! Well done on paying off that card, can't wait until I'm in your position

Today I have/will:-

• Made use of free water & milk at work
• Food from stores
• Staying in for my lunchbreak to avoid spending
• Dinner from meal plan - Macaroni Peas!
• Charged phone at work
• Heating off as long as possible, lots of layers are the way forward
• Daily clicks etc on Sw@gbucks
• Log calories using free app
• Check online banking
• Surveys
• Declutter & flylady
• Check for new mystery shopping opportunities
• 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! Must do this as I can feel myself going OTT already!
• Need to update grocery challenge still...
• Check out grabbit board
• Stalking Black Friday deals on Amaz0n, picked up one bargain already today & possibly going to point DH in the direction of another as a great stocking filler for me!
• Going to second job this evening, really can't afford to go out afterwards so will make my excuses & get an "early" one, if you can call 2am early!!
• DH hopefully doing some overtime if it's available, we'll see!

Have a great, MSE day everyone x

mummybearx

Afternoon everyone!

Well this is day two in a row of me posting on here, got to keep this up!

Yesterdays list - Today I will -

Check banking DONE!
NSD (only need a roll for my soup and my boss will buy this) DIDN'T MANAGE £2.40 spend in MrA's
Dinner from the stores (remembered to take meat out to defrost for DH before I left for work) KINDA. Me and DH fell out and didn't have any dinner
Coffee and juice free at work YUP
I WILL NOT BUY ANYTHING FROM AMAZON BLACK FRIDAY :rotfl: MANAGED NOT TO BUY ANYTHING
Do swagbucks, onepoll, and check the competitions boards YES

Today I DID manage a NSD :j
Haven't bought a thing from amazon :j
Just had an online chat with O2 and my 30 days cancellation are on my phone account :j
Deactivated my facebook account. I find myself wasting my time on there, just scrolling and 'liking' things. Deactivated for the time being.
Called to cancel Sky. Girl gave me a credit to cover my next payment due 7th December. Will call back on that date to cancel (and properly go through with it!!) and then I won't have to make another payment, plus I will have Sky over christmas :j

I have lots of jumping men on here (oo-er!!) but I'm really not in a good mood. Hate fighting with DH, but I don't want to apologise. Probably should though

Quiet night in tonight, will walk my dogs later, dinner will be whatever I can put together. Might do some housework, or make a start on making christmas decorations

x