Thursday 31st January 2013 - What small DFW things will you do today??

bt1

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!

Feeling fat today but it was worth it! Mum ordered dominos last night, we did it through topcashback so hopefully we will get the cash back and technically made £1 profit!

Also, I finally completed the ACCA ethics module! Took 2 hours! But needed it for the advanced diploma in accounting so glad I've got it out of the way! Just beed to pass 2 more exams before I have that Next I have to do PER (lots of questions to prove you've actually been doing accountant stuff!!), will start on that today.

List for today:

• [STRIKE]Checked bank [/STRIKE]- topcashback have paid the £68 for my mobile phone contract. But I had an email this morning to say that the bank will be deducting £13 interest on 19th. So I've transferred £55 to savings and left the £13 in current account for when the interest come out. (This will be the last ever od int I pay as I'm no longer in it and not going back!)
• [STRIKE]Updated app [/STRIKE]
• [STRIKE]Update sig [/STRIKE]
• [STRIKE]Lunch and snacks from home[/STRIKE]
• [STRIKE]Drink lots of water at work, aiming for 4 bottles! [/STRIKE]
• Start ACCA per... Do 1 section (out of 14) didnt manage this... I have chosen all the questions I want to do though
• Make lunch for tomorrow
• [STRIKE]NSD[/STRIKE] - might struggle with this one. May need an energy drink but would go supermarket and pay 40p instead of £1.50 for a red bull! Will try and hold out tho! i help out... That's 3 in a row
• [STRIKE]Check onepoll[/STRIKE] - been stuck on £10 for what seems like years.. I'm always screened out! screened out again!!!

Have a good one! Xxx

carrielovesfanta

Morning!

Thanks for starting the thread bt - good to see you back at:)

Been lurking all week but drawing inspiration all the time. Been excellent with lunches this week because I finally caved in to the meal planner

so today:

B/l/d from stores
charge phone in work
possibly a little overtime
start crocheting other glove!
Check online banking
heating off - mild today

that's me! Have a good one all xx

determined_new_ms

Morning ladies :wave: thanks for starting us of bt1! I am procrastinating at the moment, going to have to spring into action in a minute!

Things for today:

* checked banking & shifted funds
* meals from stores, LO stew for dinner tonight so no need to cook other than veg - note to self must use slow cooker more!
* check onepoll
* start on a job application
* go for a walk at lunchtime
* may be a NSD or may be meeting a friend for a glass of wine after work...
* db putting cupboards doors on kitchen today :j:T:j
* oh fixing free senseo coffee maker today :T
* make use of free coffee & water at work

ok think that's it for me! Have a great day x

stitching_witch

Good morning all, and thanks to bt1 for starting us off today. I worked an extra day yesterday and now finding it difficult to get motivated to go to work today. I haven't worked more than two days in a row for ages so four in a row will be a killer!!

So far today:

• Porridge for breakfast
• Made packed lunch for work
• Fed and watered the chickens
• Checked banking (payday )and transferred money into various accounts
• Checked for surveys

I will also:

• Get a lift to and from work
• Charge iPad away from home
• Take advantage of free coffee/water/hot chocolate at work
• Keep an eye on surveys
• Finish February meal plan and generate a shopping list
• Not go out at lunchtime (or any other time during the day) to avoid the shops - fallen for the cappuccino doughnuts two days running
• Dinner from stores - the second meal from a donated pork joint and then enough for one more
• Have an NSD
• Relax this evening

After doing a money shuffle this morning there's only £137 in my main account but, apart from food, the money is all sitting in the correct accounts for everything to be paid or saved for. I'm using rising's money pot theory and set up different esaver accounts for annual bills, longer term savings and a 'holding account' for odds and ends. I've always had a second current account for my monthly direct debits and this won't change. I'll try for six months and see if I find this works. Everything is being tracked on a spreadsheet which makes me happy as I just *love* spreadsheets and keep looking at it in case I can update it!! :rotfl:

Must get on with my day, have a good one folks!
Stitchy x

ziggy2407

Good Morning my lovelies

bt1 - Thanks for starting us off, do you feel any better today?

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.

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.com - Done
General Tidy up - Done
Packed lunches for LO & OH - Done
Work (11.30-2.00) - Done
Up to date on main email account -
Surveys -
Update Food Tracker - In progress
Meals from stores -
Enter a few comps - Done a few
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

Sazdaz

Morning all, well despite not getting to sleep till gone 1 am but went to bed at 11pm, I woke up at a fairly ok time. Need to leave in about half an hour for work so going to jump in shower to wake myself up a bit and then get going.

So far only made my breakfast from porridge, trying to live on £1 a day.

To do today:

- Empty Dishwasher
- Ironing last nights load
- Wash delicates
- Was going to hang washing online but throwing it down here.
- Do my HMRC form saying I dont know why you said i have to do self assessment as i dont.
- Ten mins of under the stairs
- Post paperwork for charity work I do
- Post Sun offer - didnt do yesterday
- Clean Cooker
- Check Gmail
- Do One Poll
- Do swagging
- Cook sausages for dog training
- input my paperwork when I get in from work.
- B/L/D from stores - Breakfast porridge 4p, Lunch Pasta and Pesto - 16p, fruit 10p, Dinner Pitta Pizza 41p = total for day 71p.


Oh dear list is quite long, better get in that shower and get a move on. Have a great day all.

tryingtocutback

Morning everyone,

Im feeling positive today and I have written a work "to do" list so here is my own "to do" list:-

- Check bank

- email friend

- porridge for breakfast

- take packed lunch to work

- leftover chicken dinner tonight

- do list for town on sat (need to return a top and pick up a couple of bits in the bargain stores/pound stores)

- meal plan and shopping list for next week

- continue typing list of meal ideas (im "borrowing" ideas from the old style board to help with my meal planning).

Have a great day everyone and thank you for your continued support and ideas.

xxx

mummybearx

Morning all!

Thanks for starting us off bt1

Payday today, just tallied up my budgets for the month. Thinking of trying to leave in the bank only the amount for direct debits, then lifting all the cash for food, fuel etc etc. That way I actually see the money we have and are spending, rather than switching everything. Will see if this works out better.

Aiming for a NSD, we need coffee though, don't think there is enough to last til tomorrow
Checked banking, all okay
Do swagbucks, onepoll, check freebies and competitions
All food from stores, brought in some spicy lentil soup for lunch
Do more of my christmas tree cross stitch during lunch break

Can't think of anything else, have a good day everyone :T

wanting_an_easy_life

well, after my fairly successful shopping trip yesterday, I feel fairly positive (not to mention it's pay day and I appear to have got my Christmas on-call allowances)

So things I've done and to do -

Pack. Pack. Pack. Pick up keys tomorrow.
Youth group tonight
Take remote control car round to lady buyer (sold locally for £20)
Fill car with diesel (bah)
Give son money for work and haircut (bah again)
Get dinner out of freezer for tomorrow

Funny enough, I'm so used to it now, I regard making lunch for DS and myself in the same way as brushing my teeth or whatever. DW (is that allowed?) is so fussy and changes her diet with the wind, so I am only allowed to make her dinner.

I'm sure someone is going to point out that I shouldn't fill my car up, but it's a hire car as mine is being fixed and it has to be collected full.

Talking of which... I'm a bit miffed about it. My normal car is a hybrid petrol. Around 60mpg. This car is a Diesel around 50mpg. The difference is about £5 a week, but my insurance company aren't interested as it's only a "minor inconvenience".

little_pink_purse

Good Morning

Well i had my meeting at work all went well but do you ever get that feeling there smiling but the punch is still to come i keep you updated lol

so today
i must check the banks
wash on
tidy up
clean the windows
i would love a wee nap lol

have a fun day xxxx

La_escocesa

What have I done that’s DFW-esque????!

Bagged myself an all expenses paid 2 week trip to the USA with work!!! :j :j :T :T :T :j :j :j

In the process I’ve got myself a company Amex (no longer being out of pocket while waiting on expenses to clear!) and a laptop (meaning I can work from home every now and again and may no longer need a weekly bus pass!). Yay, life’s good.

I secretly wish I could fly economy and pocket the extra £2.5k that Business Class costs but hey ho, when am I ever flying Business Class again?! I may as well bl00dy enjoy it this time!

Other things I’ve done:

- Cheapo porridge brekkie
- Packed lunch
- Dinner from stores courtesy of cheap @ldi shop
- Claimed expenses
- Mystery shopping – need to make a phone call
- Sorted out payment for yoga class - £25 coming this way
- See if I can get bday money 2 months early to fit in with trip abroad and my free weekend there
- Sorted yoga class starting in March – a fully-booked yoga teacher is going to send students my way when she can’t accommodate them
- Dropping off OH so he doesn’t need to get 2 buses; will see about a lift home

Catch up soon gang!

x