Fri 22nd March - What small DFW things will you do today?

josiebabie

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 peeps!

We're ready really early so posting from home! :eek: Shocking!!!
Well done DNMS on your job/payrise, persistance pays off in the end

This is me:
- Check banking
- Await email to see if w have a mortgage offer
- B/snacks from stores
- Lunch will be a treat!
- Await phone call from dad to find out if we're likely to get snowed in if we go up this weekend. DB2 can't risk it due to work commitments
- Prob drive to DB2's tonight with nephew anyway and stay over
- Hopefully dinner at DB2's
- 1 load HC in machine on Eco 7 (I said I was ready early!!! LOL)
- Quick shower rather than bath
- Work EXTREMELY hard today and earn lots of money
- Charge mobile from work computer
- DM picking DD up from school
- Empty rubbish out of my car to save the cost of a valet!

Not a lot else as I'm not sure what I'm up to this weekend/evening now!

Jx

josiebabie

Agh double thread!

determined_new_ms

tee hee! hopefully they'll be put together. Great minds an all though Josie! Thanks for the congrats x

determined_new_ms

Morning wow am feeling a *little* delicate today we celebrated my job job status with some bubbly & now I'm wishing we waited until today! Hurrah to having a new job and a very nice payrise I cannot wait to hand my notice in

However - DFW things for the day:

* payday, so will need to review accounts & allocate funding (Very annoyingly my internet banking has locked me out so am waiting for codes)
* all meals from stores - get fake away out of the freezer
* make good use of free coffee & tea at work
* check onepoll
* do a load of washing & hang up
* going to feed & walk friend's dogs after work as she is away until later this evening

Not much I'm afraid! Maybe there'll be more as the fog clears....

MMM read about you sorting things out with your dh. I hope it works out and you are happy x

Have a lovely day to you all x

jessie4109

I will be jiggling my meal planner as school is shut so need an extra nutritious meal for the kids plus trying to keep them entertained all day.

lulabelle

congratulations to DNMS! it's such a lovely feeling to hand your notice in somewhere you're not happy!

well I had an epic fail last night and went to the 'do'. Only cost me £10 and then was all in with drinks (incl c*cktails) and canapes (which were amazing) but stayed out until late and don't feel the best today and have a lot to do

got to pay my builder £410 today for some work he's done but that was already budgeted for and money put away (and I'd actually put away £500 for it so that's quite good)

Getting take out tonight, milk and sparkling water but having a quiet night in watching the stuff off sky box I should have watched last night!

Have a good day everyone and it's friday!!!!!!!!!!!!!!!!!!!!!

mummybearx

DNMS!!! A new job?! CONGRATULATIONS!!!! :j:beer::j

Well, last day at work for me!! Hurrah! Hoping not to see lunch time at work :rotfl:

Today I'm hoping to do not a lot haha! Need to keep ploughing forward with gutting and cleaning the house.
Dinner from stores, day THREE (!!) of sticking to the meal plan :T
Need to write next weeks meal plan, write a list for the butchers and get to them tomorrow morning.
Do swagbucks (earned 39sb for searching 'last day at work' haha!), onepoll, check competitions board and freebies.
Need to finish shaving the dogs and get them showered.
Hoping to see my MIL tonight, might get my Learn to crochet book out that DH got me for christmas. Hoping my MIL will help me learn

Have a good day y'all! Sending lots of hugs to those who need it, kicks up the bum to anyone who needs one, and sending lots of 'good luck' dust to anyone who is wanting something good :T

katy_ann

Congrats DNMS! New job sounds fantastic!

Well today is payday and Ive got the day off work holiday :j so today my plan looks like;

• Go to John Lewis and take back my broken hair straightners and replace for a new pair (4th pair in a year!)
• Go to the Halifax and change my address on my account, its only been a year!
• Write letter using MSE templates to claim back bank charges that Halifax have taken off of me for no reason what so ever, Im going to fight this one till the end!
• Getting my hair cut for £10 from a cheap local salon where the ladies are lovely, I havent had my hair cut in a year and it looks horrendous!
• Go to the gym and do a major work out
• Weigh myself after week #1 on healthy eating diet - Lost 3lbs, yay! :T
• Type up some Ebay listing and put on turbo uploader ready for uploading on Sunday!
• Go to Boots to get contact lense solution using a double points voucher that I recieved from them in the post!
• B/L/D from stores

Thats me for today I think! Have a good one all x

MinnieMousesMummy

Good morning everyone. Josie - thanks for starting the thread of this morning. DNMS - Congrats on the new jobs.

My list for today:

• [STRIKE]Quick shower, Get the kids up and organised[/STRIKE]
• Sort out boxes for work and spend 15 minutes sorting through paperwork Work in Progress
• [STRIKE]Do some studying - aiming to fit in 2 hours today[/STRIKE]:j:j Managed to get it done today
• Look into DH's ebay status as he has agreed to use his account for listing - I am having problems with mine for some reason Work in Progress, I am in the process of sorting his paypal account
• [STRIKE]Tidy up the kitchen and wash up casserole dish from last night - I had to leave it soaking overnight[/STRIKE]
• [STRIKE]Sort organisational lists - I am determined to get more organised, which I believe will help me to make more money and pay of the debts[/STRIKE]
• [STRIKE]Make pack lunch for ds[/STRIKE]
• [STRIKE]School runs[/STRIKE]
• [STRIKE]Check bank[/STRIKE]Not looking too good but its managable
• [STRIKE]LSD - need to get top up for gas/electric meters[/STRIKE]
• [STRIKE]Take dd to toddler group[/STRIKE]
• [STRIKE]All meals from stores[/STRIKE]
• [STRIKE]Surveys (remember to check one poll)[/STRIKE]
• [STRIKE]Swagbucks, Swapits, Topcashback[/STRIKE]
• Do work that is in for today
• Laundry - do full loads, empty TD, check airer and move to ironing pile
• Catch up with emails
• [STRIKE]Sort through fridge and put together a treat box for cat using out of date food[/STRIKE]
• [STRIKE]Check postcode lottery[/STRIKE]
• [STRIKE]Get kids bathed and into bed at a reasonable time[/STRIKE]
• Do some of the ironing pile and put clothes away
• [STRIKE]Spend 15 minutes on slow cooker recipes[/STRIKE]
• [STRIKE]Sort through meal planner and make shopping list - Do online shop[/STRIKE]
• Sort lists for the weekend
• Clean and tidy the kids bedrooms, change and wash the bedding

I think that is everything that I need to get done today. I know its not all mse but helps to get me motivated and organised. Hope everyone has a good Friday x

The_Boss

Booking tests and hospital appointments (private, so fortunately these will be soon)
Collecting more prescriptions
Watching DVDs
Reading books
Sitting on the couch and watching Deal or No Deal later

No money spent at all again today.

Pernicious

Hi everyone,

Thanks for starting us Josie.
DNMS - Congrats on the new job & payrise! I knew your hard work would pay off.
Katy_ann - I'd be inclined to ask for a full refund if they're breaking that often as they're not fit for purpose!


Today I have/will:-

• Made use of free water at work
• HM porridge pot for brekkie
• B/L/D from stores
• Popped to Mr T's on my lunch break so I had to stick to list - have to be able to carry it back to work
• Log calories on free app
• Dinner from meal plan - HM burgers & salad
• Check postcode lottery
• Charge phone at work
• Heating off as long as possible & on low when needed
• Check online banking
• Check for new mystery shopping opportunities
• Enter some comps
• Do at least 1 survey, need to get back into this
• Declutter & flylady
• Hope that guy who came to see guitar yesterday decides he does want it, said he had a few others to see first...
• Check FB to see if anyone wants to buy the guitars we're selling
• Catch up on yesterday's thread
• Go to second job tonight, deffo driving & not drinking this week no matter how much people may tempt me

Hope everyone has a great, MSE day x