Tuesday 19th March 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 :wave: didn't get any studying done last night as I was struck down with a migraine, got home, made lunch, put washing away and went straight to sleep! Will try and get some done tonight.

Not much to do today but need to post to keep on track:

• Check bank
• Update app
• Start on Aprils budget (that came around quick!!- hopefully ill be getting a bonus in this months pay, around £600 extra to pay off debts!)
• Lunch from home
• Stay in at lunch
• Drink lots of water
• NSD - will be 3 in a row if I manage it
• At least 1 hour studying tonight

determined_new_ms

Morning thanks for starting us off bt1! Hurrah to Tuesday :j My first Quidco has confirmed. Can someone tell me how it works, how soon will I have the cashback?

Things for today:

* went through Quidco to buy a gift for my bff's birthday (a slow cooker - how MSE is that?!)
* check banking
* check onepoll
* registered nectar card for 2000 points from when I bought car ins :money:
* all meals from stores. Chicken out of freezer for dinner tonight
* prep for job interview
* start job application
* wearing charity shop shirt I took to sewing last night and made some alterations
* take photo driving licences and email to car ins to ensure my policy is valid
* having sofa & washing machine delivered from a freecycler for my dd tonight

Think that's my lot. Better get on! Have a great day x

bt1

dnms - once it's been confirmed they should pay it soon. But it depends where you bought from on how long it takes to confirm. My mobile phone contract took 4 months!! But worth it - got £70 cash back

Candy0107

Morning folks from a warmer but misty workshire - I love the bright mornings

Thanks to BT for starting us off, and hi to Determined - thanks for your words of encouragement yesterday - I am in a perm role, but so tired due to the commuting, college and full time hours. Re Quidco - what I tend to do is from a different PC go back to the retailer and look at the stat's - it nomally says there what the payment time is.

On today's agenda :

• Breakfast and dinner from stores - need to buy something cheap for lunch
• Used railpass to get to work
• Checked online banking - no change
• Made a coffee for the journey to work
• Read paper online and freebie paper on the train
• Worked out next month's travel
• Need to book a 1/2 day as I was invited for an interview in hometown this week (although not too sure about the role)
• Work really hard
• Need to work out my budget so I can be debt free by June (fingers and toes crossed)
• Need to be very positive about my current role
• Will be nice to my colleagues
• Have an early night as I am not sleeping too well

Have a great day everyone

Candy xxx

josiebabie

Morning all

I have nothing constructive to report today aside from the usual and that OH is finally talking to the mortgage broker today! :j

mummybearx

Goooooood morning!!

Well, I GOT THE JOB :j:j

Handed my notice in here yesterday, finish up on Friday, start my new job on Monday :j What a weight off my shoulders!!

In other news, nothing really :rotfl: Still on budget for the month, have some food to last us a few days.
DH is still using his e-cig and not touched a proper cigarette, that's been over 2 weeks!

I need to go clothes shopping this weekend, get some new stuff for my new job. Nothing much, just maybe a pair of trousers, some new tops. I 'think' they give you a fleece jacket to wear, so will probably wear that most of the time.

Also going to a family friend this weekend, she is going to be teaching me to knit. Hoping to use this to make some christmas presents (fingers crossed!)

Need to get a move on, so much to do before I finish up on Friday!

x

MinnieMousesMummy

Good morning from a cold and windy Scotland. Bt1 thanks for starting the thread off this morning. Hugs to those that need it today.
Due to my lack of motivation yesterday I have a lot to get done today but luckily I am feeling more motivated.

My list for today:

• [STRIKE]Quick shower, get kids up and organised, make packed lunch for ds[/STRIKE]
• [STRIKE]School/Childminder runs[/STRIKE]
• [STRIKE]Do work that is in for today[/STRIKE]
• [STRIKE]Catch up with emails[/STRIKE]
• [STRIKE]Surveys (remember to check one poll)[/STRIKE]
• [STRIKE]Make homemade bread and soup,which is going to be used for dinner tonight[/STRIKE]
• [STRIKE]Check postcode lottery[/STRIKE]
• Update this months budget and make a start on Aprils budget (where has this month gone)
• [STRIKE]Check bank and move money around[/STRIKE]ok at the moment
• [STRIKE]Attend hairdresser appointment - not mse but badly needing done[/STRIKE]
• Spend 15 minutes getting slow cooker recipes
• Do some of ironing pile and put clothes away
• Check freebies
• [STRIKE]All meals from stores - hm soup and hm bread for dinner[/STRIKE]
• [STRIKE]Pay some money off debts[/STRIKE]another £7 paid off today
• Laundry - [STRIKE]collect up washing[/STRIKE], do full loads, empty TD, check airer and move to ironing
• [STRIKE]Swagbucks, Swapits, Topcashback[/STRIKE]
• [STRIKE]Get kids bathed and into bed at a reasonable time[/STRIKE]
• [STRIKE]Make list for tomorrow, sort bags and clothes for tomorrow[/STRIKE]
• Do some course work
• [STRIKE]Housework - clean and tidy the kitchen, clean and tidy the living room, clean and tidy the hall, clean and tidy the porch, quick dust around the house, quick hoover around the house[/STRIKE]
• [STRIKE]Help ds with his homework[/STRIKE]
• Look into ways to increase income, as I am going to need £2600 for courses within the next 12 months.

I think that is everything that I need to get done today. Its going to be a busy day so I best stop watch tv and make a start.

starnac

Morning all. Thanks to bt1 for starting us off.

Today is my work from home day so DD in school, DS at childminders, and I've got to get one.

My list for today

[STRIKE]Check banks[/STRIKE]
[STRIKE]Daily clicks[/STRIKE]
[STRIKE]Heating off[/STRIKE] - put jumper on (only me in house)
[STRIKE]Meals from stores[/STRIKE]
Write shopping list for tomorrow
Collect items to make DD an Easter bonnet tonight when she gets home
Fill in 2 forms one done
Money for school photos (why are they so expensive?)
Repair DDs dress
Find DS reins (up in attic somewhere )
Take craft stuff to church this evening
Put clothes away
Put dishes away
[STRIKE]Buy fruit and veg[/STRIKE]
[STRIKE]Make 2 phone calls[/STRIKE]
Sort out paperwork
File away properly
[STRIKE]Print out church work[/STRIKE]
[STRIKE]Box up DVD's to post off to the black and white birdie[/STRIKE]

That's me I think

Happy Tuesday everyone

josiebabie

Well done zepsgal!!!!
Nice to have some positive news for all the job hunters out there

The_Boss

Going into town to see if they have reduced price (by a third) Converses ss on the JD Sports website but they don't have my size on there .

Not much else DFW related though unless it turns into an NSD.

determined_new_ms

Massive congrats to zepsgal!!!! So pleased for your you :j:j:j

and look at you Josie being all grown up an all! :T