Wednesday 28th November - What small DFW things will you do 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:

again didn't get very much of my tasks complete yesterday so today is a rehash!!

Things to do today:


* [STRIKE]all food from stores [/STRIKE]
* [STRIKE]read martin's email and signed up for the chocolate tasting club via TCB that's [/STRIKE][STRIKE]
another present ticked off the xmas list[/STRIKE] :T
*[STRIKE] signed up to dailycheapreads.co.uk for free/cheap kindle books [/STRIKE]
* stick to diet
*[STRIKE] transfer cash from bank accounts for cc2 payment into stoozing account to earn [/STRIKE][STRIKE]
15 days interest on it [/STRIKE]
* check onepoll
* contact sewing group and see if I can go tonight as I didn't go on Monday
[STRIKE]* book MOT[/STRIKE]
* go to car parts shop for bolts for bumper
* [STRIKE]continue job application - this time I'm not joking any job apps I do now are
going to be master pieces and get me an interview![/STRIKE] right just a read through and any additions tomorrow :T
* [STRIKE]check banking & cc statements[/STRIKE]
* [STRIKE]signed up to the DDD challenge[/STRIKE] :eek:

Looks like that's my lot! Have a great day x

OrangeFairy

Morning my lovelies

Thanks for starting us off DNMS

All it is at the mo is birthdays birthdays birthdays! 2 birthdays last week, 3 this week, 3 next week, then 2 more on the 14th and 21st! I feel like I'm constantly visiting people. It's my uncles today which is just a gift of a Terry's chocolate orange. These birthdays include my nieces 2nd, brothers 21st, sisters 17th and Cousins 18th!

Today...
Visit uncle which his chocolate orange I bought on offer a month ago
Work early so I can finish early to meet said uncle
Bus card to travel to work
Cereal to take into work
Lunch from stores
Dinner is beef casserole from my last batch cook
Catch up with diaries
Sort out my handbag
LSD
Card for niece
Pick up bits to make her cake
Order lemon essence to make some candles
Order mini star jewels to have all the components to make my Xmas cards
Look into making cocktails so I can plan one to cross off my 101 list

Have a great day folks x

OF x

mummybearx

Morning everyone!

Today I will -

[STRIKE]Have another NSD![/STRIKE] done!
[STRIKE]All food from stores[/STRIKE] done!
[STRIKE]Check banking[/STRIKE] Done!
[STRIKE]Do swagbucks[/STRIKE] done, target met!
[STRIKE]Check onepoll[/STRIKE] done!
Check competitions boards - done one or two
[STRIKE]Make a start on next months budget[/STRIKE] completely done!
Make a start on next years budget, never done one before :eek:
[STRIKE]Check my christmas list, see what I still need to get[/STRIKE] done, need £50 at most
[STRIKE]Transfer TCB amazon voucher to amazon account[/STRIKE] £33.97 woop!
Try and find suitable dvd's for my Movie night hamper xmas gifts - done a bit, ordered one DVD with amazon vouchers

Think that's about it for today

PurpleFairy26

Morning All Thanks for starting us DNMS :wave: to all

Hope you manage to find something job wise, determined. OH has been looking for ages - it's rubbish

My list for today:

Checked banking and updated spreadsheet - will go overdrawn before payday next week, however, I am owed some money from MIL for Dh christmas present and I owe myself some money from the present fund - so if I take these in to consideration I would be ok (just )
Mum coming over for the day, will pop out for a bit and spend some quality time together
Pop to Mr S as need some vests for DD and they have 25% off at the moment - also look for last couple christmas presents needed
Carry on putting up wardrobes
Meals from stores
washing on - dry inside, first load already out to dry
Double check I have all the birthday and christmas cards I need for december and early jan

Think that's about all, have a great day everyone :j

rising_from_the_ashes

Morning all:), thanks DNMS for starting us off ... choc tasting sounds good so I must check that out!;) OF I'm having a bit of an :eek: at all those birthdays - sounds a bit like my April!

List for today:

• Had bath
• Thermals on ..... heating off
• B / L / D from stores
  
• Don’t smoke
  
• Check online banking Have moved raided money back to pots - OD now huge
  
• Sort cats Done
  
• Tidy up Done
• Check spreadsheets up to date Have created a new spreadsheet listing all the d/debits coming out my household bills account. All d/debits now come out of here (there were a few old stragglers still on my main account) as insurances etc have renewed I've moved them to the H&B account. Need to up amount paid to it slightly as more coming out of it now! Have also updated Others spreadsheet & added annual things that I should save for but haven't been (optitions & hols - others like clothes, dentist, hair & presents already in this pot)
  
• Get to grips with S*buck
• Check cat food swap / sale site
  
• Check e*bay listings Still nada .....
  
• Knit DMs Christmas scarf .... running out of time! Really need to do this - I could prob finish it in an afternoon which may be the problem (as I know it can be done last minute!)
• Try to have a walk

• Read MSE weekly email Done
• Find camping stove & put somewhere handy (for power cuts)
  
• Work to find solution to OD problem Still working on it (see added bullet)
  
• Thought of a couple of things that might e*bay - dig them out, take pics etc so ready when there's next a FLD
  
• Keep an eye on wee cat ..... still not 100% convinced.
• Baking ... def have bread flour and those bananas aren't going to last longer than today so ....
• Washing & hang up (lovely & sunny just now so it may even get outside for an hour or so!:) Didn't get it out as it went really damp, never mind
  
• Start searching online for Xmas pressies:eek:
• Hope 10% off voucher comes today so I can order dog & cats' food Not arrived yet grrrrrr
• Added: Completed new SOA (lots of insurances just moved/renewed etc) & now trying to get to grips with it! Really need to stick to this. Still must be overspending as SOA has (small) surplus & don't have it left & haven't been putting all annual monies away ..... must try harder!

Have a lovely day all

StressedSteph

Morning all,

Got a quiet day today, but just going to pop out and post my CashforGold bag that I have filled with rubbish broken gold jewellery today. Have had this jewellery lying around the house for years. Will be interesting how much I get for it. Probably not much .

Have made a few pieces of jewellery that can be used as stocking fillers for girls so going to put them on Ebay today.

Have made HM bread

Thats about it for the DFD things.
Hope everyone has a good day
Steph

Lucyv

Hi everyone,

Today I'm going to clean the children's room and their fish tank, change all the beds and declutter the shelves in the living room. I might be doing my next door neighbors hair this evening but I don't charge them because they do so much for us. Still need to meal plan and do online food shop that I was meant to do yesterday and DH is back tonight :j

sibles

Morning all
I'm coming down off my high of paying everything off yesterday and realising that I have just 2.5 days left!! Aiming now to get into good saving habits, especially whilst I'm not working (though hopefully that won't be too long).

Today i have/will:
- clicks and searches
- write down spends
- planning a cheap dinner before our leaving drinks tomorrow
- going to look for a cheap going out top for tomorrow night at lunch
- a bit of christmas window shopping at least at lunchtime
- breakfast and dinner from stores
- cheap lunch
- telling a friend about the wonderousness of DFW ways
- did my quidco challenges (OH would love the Smart TV)
- look for jobs to apply for
- restarted my £2 coin savings
- will get all my stuff ready for the craft fayre on friday

Think that is all for me for today.
I will definitely be back into my small things ways properly from monday.
Have a good day all
xxxx

rising_from_the_ashes

Sibles the sig's looking good!!

sibles

thanks RFTA!

carrielovesfanta

Afternoon all

DNMS - thanks for starting us off

Sibles - excellent on the debt freeness, sorry that it had to be at the expense of your job though

Well carrying on from yesterday, the boiler man did arrive. Not until 5.15 though which meant that I took the afternoon off work for nowt. grrr. - central heating apparently not working now

Today's list:

Read Martin's email :money: (have set a reminder on my phone to try and blag one of the radiator panels)

Charge phone in work

B/L/D from stores - not quite. Bought a loaf of bread. Very unlike me but have not made any this week

Working overtime unpaid to make up for yesterday (not mse but thought I should add it!)

Erm, this is a very short and rubbish list. Any ideas for me?!

Have a good one all