Friday 21st December - What small DFW things will you be doing today?

katy_ann

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 Weather looks much brighter here already today, yay! Today I will;

- Check online banking
- Swagbucks (already over target for today!)
- Go to mums for lunch
- Pick up a prescription
- See the boyfriend tonight
- Washing on and hang out to dry

Have a good day all x

stitching_witch

Morning all, and thanks to katy_ann for starting us off today. DH still isn't back from the stones after celebrating the winter Solstice (we're just 12 miles from Stonehenge!)

My small things so far:

• ran washing overnight on Economy 7
• DH showered on Economy 7 (at 2am!!)
• hung washing on airer
• fed and watered the chickens
• breakfast from stores
• checked banking - payday!
• paid cc bill
• moved money into bills account
• moved rest of salary into savings account until normal payday on 31st - that way I'm not tempted to use it all now and make January a looooong month

I will also:

• check for surveys
• finish knitting one of DGD's Christmas present and start the next one
• collect DGD from school at 1.15
• take ingredients to DD's house and make two cakes there (one each) using her electricity
• dinner at DD's house

Might be a bit of a spendy day as I need to get a couple more
presents and a second cake tin

Catch up later,
stitchy x

carrielovesfanta

Morning all

katy_ann - thanks for starting us off. Hope you are feeling a bit better today

Stitchy - my OH isn't back yet either, but at least yours has a good excuse, mine is just hungover somewhere (well at his mum's hopefully!!)

So is everyone ready for the apocalypse? I feel I should get dressed and showered. I don't want to be taken up in my onesie:eek: :rotfl:

Today's mission:

Cover all the truffles in chocolate. I have read so many things on tempering now I feel like my head could explode. Think the best plan is just go gung-ho and go for it!

Quite mild here so heating off

Payday so check online banking and pay bills

Update signature to match!

Ring companies to try and move dd date as pay dates changing. (see thread on banking forum) So far NatWest and npower very easy and helpful. Vodafone and United Utilities not so easy or helpful.

Might think of more as the day goes on, but now must crack on with chocolate bonanza. omnomnomnomnom!

Have a good day all!

ed: ps - Stitchy I love your Terry Prachett quote. Had me sniggering away to myself

little_pink_purse

Morning all

thanks for starting us katy ann
enjoy your cake making stitchy

well iam ready for xmas all meals in
just a small amount of veg to get

chilling now lol

so today

meals from stores
check banking
clean the house

drop of gifts
check food for the menu
relax pm if we can xxxx

Asiacat

Evening (where it is here) from sunny Thailand.

Picked up a 600 baht loan repayment. (Daily repayment from a local business owner.) I try to limit my spending to the amount I get off him each day and I have now gone six weeks with only one withdrawal (December rent) from my current account.;)

Sold a Thai antique to a collector for 1600 baht.

Visited the local auction hall to do a bit of pre planning before the auction tomorrow. I have made a list of what I will bid on checked the reserve prices as well as writing down the absolute highest price I will pay before withdrawing from the bidding process (it's so easy to get carried away).:)

Hopefully this time tomorrow I will be the owner of a high backed office chair (limit 1500 baht) a work station (limit 2500 baht) a Sony Viao netbook (limit 3500 baht) and a rather attractive oil painting (limit 400 baht)

Had a cheap afternoon in dividing it between the playstation, Internet and catching up on my reading, A day off can easily run into several days worth of wages spent.c

Prepared my English class for Sunday. I have a new private student and it's very important that the first lesson goes well.

Sent an email to an ex associate reminding him to repay a loan of 5000 baht I gave him in June. He claims to be penniless and I may not see the money again but I do like to let him know I haven't forgotten about it.

Tonight I will visit a local bar where they have a free buffet so I can have my evening meal for the price of a draught chang.

determined_new_ms

oh to get changed again Asiacat! Such good times in the summer

allydowd

Hi,

Today I'll be:

~Sanding old chopping board to make it usable again. Sandpaper from stores. £0.

~Painting second half of Study with paint left over from decorating Bedroom. £0.

~Cleaning up three frames to give artwork new lease of life. £0.

~Taking part in work Christmas lunch. Paid for by a friend. £0. I know it sounds ungrateful but I don't really want to go; I don't enjoy these occasions. If my friend couldn't be so offended I would pull out at the last minute.

~Take blind back to Wilkinson. Damaged. :mad: I'm furious. They ordered it in for us and took longer than promised to get it. And OH forgot to inspect it on collection.

determined_new_ms

My things for the day:

* [STRIKE]checked banking & shifted funds[/STRIKE]
* [STRIKE]updated budget[/STRIKE]
*[STRIKE] worked out cc payment and transferred money into stoozing account[/STRIKE]
* [STRIKE]called Howdens to see if they had some wall brackets to fix the cupboards to the walls as we didn't get them with the 2nd hand kitchen instead of driving to ikea tomorrow. They have some and are giving them to me free of charge :j[/STRIKE] they didn't fit so I called Ikea and they are sending 8 out free of charge :T
* [STRIKE]booked floor sander for tomorrow. [/STRIKE]
* [STRIKE]will test hand sander on the floorboards tonight to see if I can get away without hiring the edging sander & save £40+vat[/STRIKE] tis fine will just get a little sanding block
*[STRIKE] all meals from stores - foraged chestnut soup for lunch & yellow stickered Sainos takeawy tonight :T[/STRIKE]
*[STRIKE] cancelled night out tonight with best friend to focus on kitchen...[/STRIKE]
* [STRIKE]VSP & update sig[/STRIKE]
* [STRIKE]will go and get ds a jumper for xmas on way home[/STRIKE]

Think that's my lot! Have a great day x

Pernicious

Hi everyone,

Thanks for starting us off Katy.
Carrie - :rotfl: At least you'd be warm & comfy in yoyur onesie!
Ally - Try & change your view on it, go in positive & thinking you'll have a great time, smile, & stick near your friend as you're sure to have a better time then!

Today I have/will:-

• Made use of free water at work
• Free brekkie & lunch as it's our Christmas buffet leftovers today (we have a lot of leftovers!)
• Dinner from meal plan, veggie night tonight
• Charged phone at work
• Heating off as long as possible & on low when needed, lots of layers on to keep warm.
• Daily clicks etc on Sw@gbucks
• Log calories using free app
• Check online banking
• Check for new mystery shopping opportunities, gutted I have missed out on 3 recently because of being at work!
• Declutter & flylady
• Surveys
• Enter some comps
• Need to find all my receipts & enter them into Mr T's price promise
• Need to fess up on the GC thread
• Read Martin's email as I didn't get round to this yesterday
• Go to second job tonight
• Pay just over minimum from CC H on my lunchbreak, saves me coming into town again at the weekend & thus petrol costs
• Pay in a cheque on my lunch break as well
• Come back afterwards so I do not spend!!

Hope everyone has a great, MSE day x

rising_from_the_ashes

Hi all:D thanks katy_ann for starting us off and hope you're having a better day today (((hugs)))
Stitchy I've been to Stonehenge once ... it's an absolutely amazing place and Carrie :rotfl: thanks for that ... the thought of anyone being taken in a onesie :rotfl:I've not laughed as much for ages! DNMS hope the sanding goes well and Ally I soooo get where you're coming from - I hate those kind of things too and usually try to find a last minute excuse .... hope it's going OK

Well, a bit late for me:

• Have bath, thermals on ...... heating off
• B / L / D from stores
• Don't smoke - Day 70 :T
• Check online banking, shuffle as needed & update spreadsheets
• Sort cats & tidy up
• Payday [STRIKE]today [/STRIKE] so make payments to pots (old & new ones set up for 2013:T) - :eek: logged on last thing last night to discover we'd been paid yesterday:eek: it put me all out of sorts as I really wasn't ready to move stuff to pots etc:rotfl:
• Wash bedding & hang up
• Iron
• Go to nurse for blood tests Done
• Pop into work to hand in sick note & say "hi"Done
• Take car to garage for new tyres to be fitted :T Done
• ETA was finally able to pay in pet insurance refund cheque to new basic bank account recently set up!:)
  

Enjoy the rest of the day

carrielovesfanta

Well the onesie is still on and the apocalypse is currently AWOL.

Think this means I have time to do the housework too before the rapture

OH appeared and we've made the chocolates. We made FAR too many and apparently the chocolate didn't temper properly for about a third of the covered ones so we have lots left over that we can't give as gifts because they will bloom (oh dear, what a pity...;))

The tempering thing is crazy (I can see why it's called temper). I couldn't get the choc cool enough to temper but runny enough to dip things in :mad:

ps: does anyone know if I can set up savings pots with NatWest?