Tuesday 29th January 2013 - what small things .....

Candy0107

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 Gang,

Again, thought I’d start the thread today. Thanks to everyone who replied re CIMA or ACCA – decided I think I will do ACCA as there are more opportunities with it.....now I just need to find where I can do it.

Hello to new members, and hugs to those that need them

Today I have/will:
• Checked online banking – no change, but it’s a habit now
• LSD – as I am at work early, I may need something else for breakfast (when I am in work early, I have 2 breakfasts – one at about 3:30 am, and again about 8am)
• Updated budget spreadsheet
• Meals and snacks from storecupboard (apart from Breakfast no 2)
• Read freebie paper on the train
• Used railpass to get to work
• Read newspapers online
• Need to charge up mobile at work
• Drink plenty of water
• Decide whether or not to chase the agency re the job – its a really good role, but if they treat their candidates so poorly, how do they treat their staff (it’s a role within the agency)?
• Head down as stupidly busy (as usual)
• Need to do some college work at lunchtime and after work

Think that is about all, have a great day and sparkle!
Candy xxx

bt1

Morning candy

I think that's a good decision on ACCA - at least it covers everything if you are unsure which route to go down. There is also a site that has all revision and lectures on it. Opentuition.com - I used this for my resits and it's all free!

List for today:

• Check bank - done, all ok. I cancelled my lotto direct debit (set up while not bring mse!!) so a refund came through today. Still waiting for my £68 from topcashback
• Lunch from home - left over lasagne, lots of snacks too - eaten I went in a shop to buy more snacks but really wanted a NSD today so ran back out!
• Go to bank on lunch and pay in coins. Was too heavy to bring them all so I will have to make two trips! Or go at weekend. - paid in £10 in coins and transferred straight to savings (only allowing my weekly spend to be in my current account. I'll sort out any extra payments to debts at the end of the month)
• Do more ACCA ethics tonight.. I think I only have 1 hour left so may finish it tonight - to do later when I'm home
• Try to get free cinema tickets for anything! Just fancy an evening out - got some through sky rewards using my mums account! So happy! It's on 12th feb so got a little wait yet
• NSD - 1st one of the week! Hope for another 2!

I'll update later xx

stitching_witch

Morning all, and thanks to candy for starting us off today.

I found a memo on my desk yesterday detailing our pay increase - a fairly healthy 5%. Our boss always gets the last laugh though. It usually applies from 1st Jan but he's delayed it by a month. Anything to save himself a couple of pounds :mad:

Right then, my small things today:

• WM ran overnight on Economy 7
• Hang HC on airer
• Breakfast from stores
• Fed and watered the chickens
• Checked banking
• Checked for surveys
• Made a packed lunch - almost fell down here as I really couldn't be bothered, but then thought about the fiver I'd spend and just got on with it

Also on my list:

• Get a lift to and from work
• Work out net pay from February
• Re-jig budget with new figures
• Finish meal plan for February
• Dinner from stores
• Take corset samples out to a club this evening

Have a great day folks
Stitchy x

bt1

Ps - you know u have 2012 in the title? :-p

mummybearx

Morning all!

Not got many plans for today, apart from hopefully another NSD :j
I find it really easy to have NSD's when there is no money in the bank to spend :rotfl:

All food from stores
Check banking
Do swagbucks, onepoll, check free offers on topcashback

Hoping the postman arrives today with my new shiny buttons! Started making a button canvas for my niece for her 1st birthday, so far have got the edges glued on. Waiting on this lot of buttons so I can do the actual 'initial' in the centre.

If my buttons don't arrive then I will so a stock take of the kitchen tonight. Really REALLY need to get a list of what's there so I can reduce the food budget for next month, my only hope of staying out of the overdraft for Feb.

Have a good day y'all!

ziggy2407

Good Morning my lovelies

Candy - Thanks for starting us off
zepsgal - you'll have to post a pic of you canvas - sounds lovely

Hi :wave:to all the regulars and lurkers and a BIG welcome to all the newbies, this is a really FAB thread with so many lovely, caring, considerate and supportive people - and I am proud to call them my friends.

Sorry didnt get back to update yesterday, will try harder today. Still got raging sore throat and earache as well as feeling really tired (due to lack of sleep - been up and down all night with this stupid cold making it hard to breathe). Today's small things (sorry its so boring ...) :

Check Banks - Done
Check swapits - Done
List lots of swap cards on swapits for LO -
Check www.freepostcodelottery.co.uk - Done
General Tidy up - Done
Clear Dining Table (again) - Done
Packed lunches for LO & OH - Done
Work (11.30-2.00) - Done
Up to date on main email account - Done
Surveys -
Update Food Tracker - In progress
Meals from stores - Done (wonderful roast chicken dinner mmm)
Enter a few comps - Done (lots)
Read/knit (I will finish this baby blanket & cushion before end of Feb) -

Hope you all have a great day, love to you all.

C xx

little_pink_purse

Morning Everyone

thanks for starting us candy

well sadly i had a huge melt down at work on monday tears the works bang i now have a meeting later today grr i bet i get moved iam mad with myself as they say i dropped my cards and showed my hand iam so mad with myself

if i had the balls i would go on the sick grr

so monday was a nsd
hoping today is the same

better go

talk soon xxxx

Sazdaz

Well today was another bad day of getting up for me with my ME, not looking forward to the next three days as I have to get up early on those days for work which means they will be painful days.

So far today I have:

- Had some fruit for breakfast
- Got dinner out of the freezer for tonight
- Checked for any surveys in email box

Today I need to:

- Put on another load of washing and dry in front of stove tonight
- Do ironing of what I dried last night
- hoover all of downstairs
- Empty Dishwasher, and put glasses in on a rinse
- Check one poll
- Do my swagging
- Put out Recycling
- Drive to work and have my free lunch at work
- Post the paperwork I didnt get round to doing yesterday
- Start new book tonight as finished the last one last night, got to slow down reading a book within a week
- Look on here for money saving ideas of making money, If I could make £100 a month it would be great.


Ok better get on with my list as have to go to work in an hour.

mummybearx

First stage of my canvas

Karb

Afternoon all. Thanks Candy for starting the thread. Hugs to lpp and anyone else that needs them

A fairly normal day for me

• Checked online banking
• Made a small overpayment to CC1. I had intended to wait until a bit closer to payday and see how much I had to play with, but I got impatient to see the figures coming down!
• Showered using free toiletries
• Walked to the station then rail pass to work
• Found 5p on my walk
• Read free newspaper
• Charged phones at work
• Brought lunch to work (tuna salad, apple and yogurt)
• Free coffee and water at work

Still to do

• Tea from stores
• Have a NSD

Have a great day everyone

lulabelle

Afternoon all

Been at work since mega early to get an opinion done before 9am and pleased to get it off my desk!

Today I have/will:

-had protein shake for brekkie from stores - had meant to make pancakes (as soooo yummy) but didn't get up in time

- had a cuppa soup and a roll for lunch from stores - don't feel this is enough though (which is possibly why I'm stuffing my face at night) so may have to have another protein shake

- will clean rest of kitchen when I get home and hoover/steam clean the floor as have a friend coming round tomorrow night for a cup of tea and a biscuit (or two!)

- will watch DHousewives/stuff on tv/planner tonight

- got chicken out of freezer for tonight's supper

managed a NSD sunday, almost a NSD yesterday (could not resist purchasing the james arthur single on itunes so only 99p) and hope to have a NSD today

that's all folks, pretty dull!

have a good day!!