Monday 15th April 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:

Good morning folks

Yay, Monday and for me first day back at work for just over a week, so today will be all about catching up on things as my job doesn't get covered while I am away.

So, today's list is.....

• Checked online banking
• Meals from stores
• Read papers online and freebie paper on the train
• Buy split ticket to work - saving £5
• P.m.a at work - I don't really hate it there
• Need to pop round to my friends after work to give her some money
• Need to get an early night
• Need to have a quick shower
• Apart from railfare - have an nsd
• Need to apply for any jobs after work tonight

Hunk that's my lot today

Take care all
Candy xxx

bt1

Morning! Thanks for starting candy

Trying to stay positive - always difficult on a Monday... I managed to get Wednesday off so at least I get a mini break in the week

List for today..

• Check bank
• Update app
• Start working on May budget
• Lunch from home
• Drink lots of water
• Transfer any money in my current account into savings, that way it's more effort to spend if I feel the urge!!
• Stay at work and do at least an hours studying
• Get lunch ready for tomorrow
• NSD
• Early night

ziggy2407

Good Morning my lovelies

candy - Thanks for starting us off 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.

Back to reality today but at least the sun is shining, today I will:

Check Banks - Done
Pay "Next" a/c - Done
Order a couple of FREE mags - Done
Check swapits - Done
Check www.freepostcodelottery.com - Done
Packed lunch for OH & LO- Done
General Tidy up - Done
Work (11.30 - 2.00) - Done
Bake (?) - Done
Re-advertise items for sale -
Surveys -
Catch up on emails -
Enter a few comps -
Read - Reading another book from stash
Meals from stores - Done
Update Food tracker - in progress

Have a great day, love to you all.

C xx

stitching_witch

Morning all, and thanks to candy for starting us off bright and early today. I know what you mean about work; I hate Mondays too (and Tuesdays and Thursdays). I just keep looking at my bills being paid and know it's the right thing to do at the moment and then enjoy my Stitching Witch days on Wednesdays and Fridays.

My small things so far today:

• Porridge for breakfast
• Fed and watered the chickens
• Boxed up eggs for DS3 to take home
• Checked banking :eek:
• Checked for surveys
• Took dinner out of freezer to defrost
• Made packed lunch to take to work

Also on the list:

• Drink free coffee/water at work
• Do quick manual calculation of payroll now the new tax allowances have come in
• Look at May budget using revised salary
• Keep an eye on surveys throughout the day
• Read library book at lunchtime - "The New You- change your life in a month" Hope it doesn't take a month to read it!
• Clean out chickens after work in exchange for some eggies
• Possibly do some quilting tonight

I think that's all for today.
Stitchy x

determined_new_ms

Morning guys :wave: thanks for starting us off Candy, hope work goes better than expected. I was hating returning to work last week after 9 days off but it wasn't as bad as I thought it would be in the end

ooooo exciting Stitchy! I can't wait to see what will be in my paycheck next week :T

Ok am off work sick today, so will be spending the day at home. am hoping the meds I have will resolve the problem I have and I don't need to go for a minor op later.... I have spent £40 on prescription meds this last week :eek: - so expensive!

What can I do when I need to really just rest?

* check banking
* shift funds out of savings into main account to pay for festival tickets bought yesterday
* [STRIKE]calling Aldi to see if they still have the whirly gig still in, if so I will go and collect. Really annoyed I forgot to get in yesterday while I was in town[/STRIKE] they have so I will now do a shopping list so I can use a £5 off of £40 voucher
* used saynoto0870.com to get a number I could use in my free minutes package
* all meals from stores - rubber chicken pasta bake
* do a meal plan
* try to work out what my pay for April is going to be
* catch up with Eastenders & watch a film
* plant some seeds
* read book
* take some scrap metal to breakers

think that's all I am going to get up to. Hope the sun is shinning wherever you are x

MinnieMousesMummy

Good morning everyone. Candy - Thanks for starting the thread off this morning.

My list for today:

• [STRIKE]Check banks[/STRIKE]Less than expected so I will need to save money somewhere this week
• [STRIKE]Pay some money off one debt[/STRIKE]
• [STRIKE]Quick shower, Get the kids organised[/STRIKE]
• [STRIKE]School/Childminder runs[/STRIKE]
• [STRIKE]Sort ebay returns and get them in the post[/STRIKE]
• Sort catalogue returns and get them in the post Sorted but need to give them a phone tomorrow, as PO told me I had to pay for the returns :eek:
• [STRIKE]Package up the DVD and return it to L.film[/STRIKE]
• [STRIKE]Nectar adpoints, Swagbucks, Swapits, TCB, Postcode lottery, Birthday bingo[/STRIKE]
• [STRIKE]Sort Avon paperwork[/STRIKE]
• [STRIKE]Trip into town needing to get compost, cream cleaner and bread - will use nectar card[/STRIKE]Spent slightly more than planned but got stuff that I would have probably gone back for later in the week, so saved money on fuel
• [STRIKE]Surveys remember to check one poll and pure profile[/STRIKE]
• [STRIKE]Take library book back[/STRIKE]Pleasant surprise as I was expecting late fine but not getting charged so saved some money
• [STRIKE]All meals from stores - pizza for dinner[/STRIKE]
• Do some course work
• [STRIKE]Do some of the ironing pile and put clothes away[/STRIKE]
• [STRIKE]Sort bags, lunches, clothes and to do list for tomorrow[/STRIKE]
• Clean the kitchen Work in Progress
• [STRIKE]Quick hoover round the house[/STRIKE]
• [STRIKE]Update the income record sheet [/STRIKE]- I have started to keep a record of what I make each day to keep me motivated.Slightly behind my target but happy with progress so far this month I have made/saved £106
• Look out the old pram and clean it up so that I can list it for sale
• Sort through one box of books and see if I can sell them anywhere
• Plant herb seeds

I think that is everything that I need to get done today, so guess that I best make a start. Hope everyone has a good Monday, hugs to those that need it today x

Trajal

Morning all, thanks for the thread

• Made breakfast rather than bought it
• Took train rather than cab.
• Made lunch to take in rather than buy it.
• Do some batch cooking tonight as my wife did hers yesterday and I couldn't get at the kitchen!

Unlikely to need any cash today, I simply do not need to spend it. Crazy to think that since I started (about a week ago) watching the spends again like this I have managed to save myself.... over £150 that would otherwise be utterly wasted on breakfasts, lunches and taxis.

Quite angry that I let myself get into such sloppy habits but rather than recriminations, I'm simply using this as motivation for not falling back into it.

My 9-in-a-row NSD run begins tomorrow, will do final check on the fridge and freezer to ensure I have all that I need - pretty sure I do, but you never know. Have a massive checklist of stuff in place haha. Scarey, hope I can get through it !

La_escocesa

Hi everyone :wave:

Is it payday yet?!

I’m struggling through…

• Cheapo porridge brekkie
• Baked apples and raisins in SC yest – was pudding yesterday and porridge topping today
• Packed lunch for me and OH
• Walked to work – didn’t buy new bus pass yet – holding out so I only need one before pay day and not two
• Checked banking and ccs – miserable story
• Bit of voluntary work if I can bear it – man I’m dealing with is a nightmare…
• Book from library instead of buying it
• Put ‘just enough’ petrol in the car – was quite embarrassed handing over just £6 but that was all I could afford…
• Emailed myself job app – need to apply before Friday – would be £3.5k payrise but longer hours and not as convenient office locn… But an application isn’t going to do any harm, is it?!

Happy Monday everyone :grouphug:

lulabelle

Big hug La E.x

Today I have/will:

-Breakfast was a nked bar - not great but at least from stores!

-have made a sandwich and brought to work to avoid buying

-will pay in cheque from recent travel claim and pick up winnings from national (loss overall but still need to collect cash!)

-dinner from stores tonight (I got chicken out of freezer y'day and it's been in fridge overnight and today - will it be ok do you think?)

-do a fitness dvd when get home (avoids gym costs and stops me getting bored and eating!)

-read my book rather than watch tv (trying to read a book per month to get through everything on shelves before buying/borrowing more!)

-have a shower and fake tan to feel better.

-take nail polish off and re-polish. I normally get them done at a salon but trying to cut that out so polished them yesterday but don't like colour (which was free with a magazine)

-get head down at work this week as got a horrid 3 weeks with hard technical stuff to do!

Pernicious

Hi everyone,

Sorry for posting & running but my lunch break is about to run out!

Today I have/will:-

• Making use of free water at work, resist free cake!
• Popped to Mr T's on my lunch break, stuck to list
• B/L/D from stores
• HM porridge pot for brekkie & HM soup for lunch using up leftover gammon from last nights dinner
• Log calories on free app
• Dinner from meal plan - Leftover veggie lasagne from Saturday, will put a garlic baguette with it to make it a full meal
• Check postcode lottery
• Charged phone at work
• Heating off as long as possible & on low if needed
• Check online banking
• Check for new mystery shopping opportunities
• Enter some comps
• Do some surveys
• Declutter & flylady
• Check FB to see if anyone wants to buy the guitars we're selling
• Make use of TKD membership tonight

Hope everyone is ok & has a great, MSE day x

allydowd

Bobarella thanks for the book recommendation.

Too tired to contribute today...long day at work...Back tomorrow.