Friday 24th May - What small DFW things will you do today?

little_pink_purse

Friday 24th May - What small DFW things will you do today?
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:

little_pink_purse

Good Morning

ive been up since silly o clock
the weather look not bad so fingers crossed i get the fence done

so today
check banking and budgets
fingers crossed the new 0% card comes
all meals from stores
iam hoping 4 a few more nsds ive let them slip

talk soon hope you are all warm and well xxxxlppxxxxx

determined_new_ms

Morning lpp thanks for the kick off. alley thanks for asking yesterday, the job is going well, though it is such early days! A little overwhelming with all the things I have to get my head round but so far everyone has been really nice.

I have caught a cold though and feel rotten! Going to take some meds from stores and hope to get though the day as quickly as possible!

Things for the day:
Claim back parking expenses for the last 3 days
Checked banking, shifted funds
Did cap
All meals from stores
Quick shower and tie back hair today
Nip to aldi after work to get food for baby shower tomorrow, take own bags
Quick tidy round tonight
Paint door
Bed!

Have a great day everyone, happy Friday x

stitching_witch

Morning all. It's grey and miserable here so scuppering my idea of spending most of the day at the allotment.
My list so far:

• Breakfast from stores
• Made a flask of coffee when DH made a cuppa this morning
• Fed and watered the chickens
• Checked banking
• Checked for surveys
• Went to allotment at 7.30 to (belatedly) plant two beds of onions taking the flask with me

I will also:

• Finish off an underbust corset to put in the samples case
• Start new underwear corset using the bones etc from an old one
• Call a customer on my mobile using free minutes
• Lunch from stores
• Keep an eye on surveys during the day
• Collect DGD from her school, then DGS from his school and all go back to DD's house for the afternoon
• Possibly dinner from DD's larder
• Have an NSD

That's my list. I don't know how much I'll get done as I'm shattered from an hour and a half at the allotment already!
Have a good day folks!
Stitchy x

stacey2193

Morning all, cold wet and miserable here today too.

No classes today, I can barely walk from Wednesdays Kettlebells and have pain in places I didn't know I had muscles but I am assured that it gets easier and once I have the technique, fat will fall off and I will get stronger.

I have just been talked into running a 10k trail/fell race in a couple of weeks. My cousin was doing it with her PT who has dropped out and offered me her place, she kindly said she didn't want the entry fee that she paid so I couldn't think of a justifiable reason to refuse! Best get running lots over the next couple of weeks !

I have just had a survey done to measure up for a new UPVC kitchen door, again not very DFW, however the door I have is a cheap wooden single glazed door that doesn't fit the frame properly and doesn't close, the kitchen is very cold and draughty. Although I am having to spend a few hundred pounds on a new door, its an improvement to my home that will improve insulation and reduce heating costs and will not be paid for on credit. I can not wait to be able to stand in my kitchen and be warm without the door flinging open with a gust of wind. Today is terrible !

Todays list:
Breakfast from stores.
Check banking, had my daily text message but need to check available balance and pending transactions online.
Lunch - yesterdays casserole made in the slow cooker
Visit friend for coffee this afternoon.
Work 1700 -0300.

Have a good day all, much love and hugs

S x

jessie4109

Paid off my loan and overdraft. Account now clear.

hallsy85

Payday for me - so have:

- Paid £1,000 to my parents (£1,259 left which I intend to pay next month)
- Cancelled one of my 3 (!) mobile contracts.

To do
- Cancel one more mobile contract so I just have one, like normal people.
- Pay rent/bills of £427
- Transfer monthly spending money (food, entertainment etc) out to ISA
- Use left over funds to reduce parent's debt

jessie4109

just had the post with a small ppi refund cheque. It is an interest cheque as the rest went towards the loan that I have paid off this morning! I just wish it wasn't chucking it down with rain as I have to go to town to put it in the bank. Just waiting on a cheque from Egg (canada square) and to hear about other ppi claim regarding my natwest cc. I should definatly be on track to be debt free by christmas!!!

La_escocesa

Hi there guys,

I'm on the train using wifi - £2 so not the most dfw thing... cheaper than a magazine!

Ploy to get a job on new team is well underway guy from other team agrees. Just need to get it all signed off

Got paid today and got quarterly bonus. Shifted funds about.

Crossed fingers and toes lodger wants to keep his rolling contract rolling...

Off to spa weekend with mum and sis - bday pressie from sister!

Bought train tickets via quidco

Updated money spreadsheet

PAD to cc

Applied for mystery shop

Did survey

Decide what to do about increased credit limit on cc1. Might ask if theyve got any rate for life transfer rates if I move other balance across. Otherwise decline increased limit.

Catch up soon. Big love!

Xxx

josiebabie

Morning all!

Have been awol again but I have been reading Payday today so lots of paying things.

This is me:
- Checked banking - payday woo! :j
- Pay some bills online
- Try to work out budget for next month (a long way off but need to try and work out cross over for the new house also)
- Keep an eye on conveyancing process as searches are due back today! Hooray!
- Add £25 diesel and hope DB2 gives it back to me
- Drive DNephew up to DB2's house and eat/stay over night there
- Look for pretty dresses online for christening tomorrow to be bought at the store tomorrow morning (nothing like being prepared early....nothing like it!)
- Look online for something for christening present - anyone have any ideas? The type of child/family who have everything and buy it all on tick!
- Packed lunch/breakfast from stores
- NSD aside from fuel!
- TV switched off at wall and all lights switched off!!!

Jx

mcjordi

just got a dongle for my internet usage... £15.99 a month (30 day contract) F for 15gb (enough to use my xbox for games and general internet usage)
cant afford the £50 a month for bt infinity anymore..