Tuesday 4th December - 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:

Morning guys :wave: hope you're all healthy, happy and I know you're all wise! Hurrah that Monday is over and if I try to work hard, be happy and excited the day will wizz by!

My things for today:
* check banking
* all meals from stores - leftovers again I think
* going to sewing group again tonight to catch up as have missed a few class
* will stay at work after I finish and job hunt/read a book before sewing class
* go into town at lunch to pay some cash into the bank
* NSD
* load of washing & hang on driers
* apply for job, wasn't going to but think I can do it easily and U don't have to take the job just because I applied
* contact friends about getting together tomorrow, seems like a headache, might rearrange!

Ok think that's my lot. Have a great day everyone x

allydowd

Quote:
Originally Posted by wishies_x
All I have left is the Toshiba x200 video camera! Cheapest I have found is pixmania but I begrudge paying over £7 for delivery!

Pixmania x200 Toshiba Camilio HD £139.90

Curry's x200 Toshiba Camilio HD £129.99 Link.
Buy this through Quidco and get free delivery

Argos x400 Toshiba Camilio HB £129.99! Link. (Better zoom :j)
Buy this through Quidco and get extra £1.94 back.

allydowd

Thanks DNMs.

Last night/today's DFW-style DIY:

# Laid left-over vinyl in front hallway from bathroom. Shop wouldn't £0.

# Took door handles off kitchen doors, removed old grime with nail polish remover, refitted. £0.

# Removed bathroom door catch (never used) and put on loft hatch to stop it keep falling down. £0

# Scrub filthy doormat in bath to see if I can avoid buying new one. £0

#Find out where Housing Association kitchen fitters got floor tiles. They left a gap! :mad:

#Cancel 30 day free trial of Amazon Prime quick delivery. (Link)

# Bought a lampshade component for 99p on eBay rather than £4 in Homebase. And got Nectar points.

#OH began food shopping monthly to take advantage of bulk buy deals and new chest freezer.

#Took eight sacks of decorating rubbish to the coup/tip instead of paying council £35 to take it.


OFFERS:

Cut price postage stamps. I have no personal experience of this company. (Link)

PurpleFairy26

Morning All thanks for starting us determined.

My list for today:

Give birth, yep, still in there No chance
Sort lots of paperwork that I have collected together in boxes, lots to be shredded as no longer needed, so more decluttering - Done, I massive box liberated and put to recycling. Remainder sorted into garage, find a home, rubbish or put away
Meals from storesdone
Inventory of freezer
Tear some recipes from magazines and declutter the rest of the magazineDone, some more in barge will get tomorrow
Wrap some Christmas presentsMaybe later
Do work expenses - must find work CC statement for thisDone
Update present spreadsheet - I think I'm done Done
Check banking, umm, not looking forward to that as payday tomorrow Done - could be worse

Have a good day everyone :j

mineallmine

Used overnight cheap electric to do some washing. Must remember to sort the whites for this time slot. The hotter the wash/water the more electric our WM uses (heats its own water).

Need to do a horrible banking thing today. Bit that bullet.

mummybearx

Good morning everyone!!

Thanks for starting us off DNMS!

Today I will have a NSD!
All dinner, breakfast and lunch from stores!
Check banking
Check onepoll
Do Swagbucks
Check competition boards
Need to make a start on making christmas decorations
Need to do a washing tonight, the puppy has started to sleep in the washing pile :rotfl:
Need to see if I can 'borrow' a bag of salt from work to do our driveway at home, it's like an ice rink just now

We are heading to Ikea this weekend to get a christmas tree, £25 tree and they give you a £20 voucher to spend in store, that will do nicely! The first 20 Ikea family card holders through the door will get a free tree, so me and DH are hoping to get a free one :j That's if we get up early enough :rotfl:

Happy Tuesday everyone!

allydowd

zepsgal wrote: »

Need to see if I can 'borrow' a bag of salt from work to do our driveway at home, it's like an ice rink just now

Got any cat litter? That works too.

Oh, you have a dog, maybe you haven't also got a cat...

rising_from_the_ashes

Morning everyone, thanks to DNMS for starting us off

Ally sounds like you're busy with the new house - it'll be looking fab in no time:) Jonno keeping my fingers crossed re the giving birth task (don't envy you that one! ) & have remembered when reading your list that I have a pile of mags with recipes marked lying in a heap to sort too!:o

List for today:

• Have bath, thermals on ..... heating off
• B / L / D from stores - Quiche for lunch (from freezer) and roast chicken tonight - yum!
  
• Don’t smoke
  
• Check online banking & shuffle as needed
  
• Sort cats & Tidy up
• Update spreadsheets Done as have been shopping this morning
• Check cat food swap / sale site
  
• Check e*bay listings
  
• Knit DMs Christmas scarf .... running out of time!
  
• Try to have a walk Chilly again so will need to wrap up warm!
• Work on budgets for month so I know exactly what's what! WIP! Have taken out £50 cash this morning which is £10 / week Misc money + £10 in case of emergency
  
• Find camping stove & put somewhere handy (for power cuts)
  
• Take pics of things to e*bay - find more stuff to sell!
  
• Washing & hang up
  
• Start searching online for Xmas pressies:eek:
• Hope 10% off voucher comes today so I can order dog & cats' food Still no sign of this
  
• Finish marking up weekday "to do" notebook
  
• Check 2nd transfer went through to new bank account All OK!
  
• Download, save and print mobile statements for next cashback claim, complete cashback voucher, quick covering letter - double check everything's incl & completed.... Done
• Go to PO and send mobile cashback claim via recorded delivery Done - hope they pay quickly!
  
• OH review appt @ work Been
  
• Sort through mags & remove recipes & find somewhere to put them! Recycle what's left (thanks Jonno!)
• Added phone bank * to close completed monthly saver account & transfer money to my main account and open new monthly saver account - giving myself a month off & re-starting in January!;)) Done
• Added set up ISA with funds from monthly saver account # Have applied for account - can't transfer funds as yet
  

Have a great day everyone:)

* I don't know why but I still dread having to phone my bank - is that me, or is everyone like that when they are / have been in debt?

# If anyone is looking for an ISA - found one paying 3.21% until 29 November 2013 http://www.coventrybuildingsociety.co.uk/savings-and-investments/cash-isas.aspx it does require 60 days notice but great if you're looking to put a bit away and are unlikely to need it

lamarsi

good morning

carrielovesfanta

Good afternoon everyone!

Thanks to DNMS for starting us off

Also thanks to zepsgal for the zip foot tip from yesterday for me. I never got round to looking at the machine (hectic day in work) but hopefully will tonight.

Didn't quite make the dinner from stores last night because OH insisted on fresh pasta from tesco because it cooks in about 5 mins. Little miffed because he was at home from 5 and could have made dinner already by the time he picked me up at 7 :cool:

Oh well, I'll drum it into him one day... (with a big stick!)

Today's list:

B/L/D from stores (def cos I am cooking night)

Charge phone in work. Use work's wifi because my data for the month has nearly run out.

Check online banking - should all be normal.

Check for cc statements (should come out about now - need to be careful of barclaycard that I cleared for any tail-ends of interest)

Start making cushion cover inners; decipher sewing machine manual re: zip foot

Hopefully no heating on as milder

Asked finance lady about early pay roll as Christmas, no one had told her and she was going to run it through for 24th Dec. Had a word with nice sympathetic boss to try and change this. (have always been paid early previous years). If not, will borrow money from Dad and pay bills early to avoid any probs!

Have a look at red dress for Christmas party on Friday. Dress is size 14-16 and I am size 8-12 (depending on how far south you get :rotfl:). Need to pin smaller and sew but might be a bit beyond me :cool:

Hope you all have a lovely day

Pernicious

Hi everyone,

I didn't post yesterday as I was providing moral support to a friend at her Dad's funeral & then I was too tired in the evening to do so, will catch up the thread in a mo.

Thanks for starting us off DNMS, how's the job hunting going?
Zepsgal - Pics of your pup please, I am a sucker for all things cute & fluffy!
Carrie - I can sympathise, terrible when your OH isn't fully on board! Especially over something so silly as that as dried pasta doesn't take much longer, & like you said he could have got it ready!


Today I have/will:-

• Food from stores
• Made use of free water & milk at work
• Helped myself to leftover sandwiches from a meeting = free lunch for me! What I brought in will keep until tomorrow
• Staying in for my lunchbreak to avoid spending
• Dinner from meal plan - HM cottage pie
• Charged phone at work
• Heating off as long as possible, lots of layers!
• Daily clicks etc on Sw@gbucks
• Log calories using free app
• Check online banking, still quite pleased we've managed to put £400 towards CC B as I thought it would be half of that!
• Surveys
• Declutter & flylady
• Check for new mystery shopping opportunities
• Enter some comps
• Sort out items to return to New L00k - NEED to do this tonight!
• Pop to Homebase straight after work for some last minute xmas bits, stick to list!!
• Catch up with yesterday's thread
• DH doing some overtime this evening

Have a great, MSE day everyone x