Wednesday 11th September - What small DFW things will you do today?

determined_new_ms

When we start out on the Debt-Free Wannabe 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 :money:

Morning peeps and what a grey and dreary one it is! Blinking nora autumn came quickly this year!

My list is no great shakes today - feeling not great the last few day. Keep thinking about taking a day off sick but then think it'll just make my work life harder. Might as just go in do my hours and and keep up with things. anyway enough of my mumbling!

* check banking
* order bath
* all meals from stores - prawn curry tonight mmmmmmm
* go to buy some biscuits for a meeting I'm running
* make note of mileage
* read Martin's newsletter
* early night tonight
* cancel meeting I'm due to attend tonight
* work out finances and bathroom budget

Ok that's all I can think of at the moment. Hope everyone has a great day x

ziggy2407

Good Morning My Lovelies

DNMS - Thanks for starting us off today

Hi 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.

Today's little listy :

Check Banks - Done
Check swapits - Done
Packed lunch for OH & DS - Done
Check [URL="mhtml:{4783C90B-5ED3-482D-9774-53257598E327}mid://00001375/!x-usc:http://www.freepostcodelottery.com/"]www.freepostcodelottery.com[/URL] - Done
General Tidy up - Done
Return Library Book & DVD - Done (borrows Les Mis on DVD £1 for week)
Filing & Shredding -
Declutter - Lots of empty boxes gone today
Contemplate application form for job - In progress
List more bits for sale -
Meals from stores - Done
Footie Training with DS - Done
Track all food - In progress
Catch up on emails - Done
Surveys -
Nectar Adpoints -
Enter a few comps - Done a few
Read Library Book - in progress

Have a good day, love to you all.

C xx

determined_new_ms

ziggy excellent news all your wins recently!

GreenButterfly

Hi everyone!

Thanks for the start DNMS and I hope that you're not feeling too bad.

I didn't get everything done that I wanted to yesterday so need to add a few extras to my list today

Today I WILL...

*Check banks/update spend diary/file paperwork
*Check eBay
*Clean kitchen and lounge
*Spend a couple of hours at the allotment clearing up mess!
*Pick some blackberries
*Read a free ebook on the Kobo
*Walk as much as possible - aiming for 15,000 steps
*Drive at 60 (90 mile return trip is a little too far to walk!)
*Take unwanteds to Mum to hunt through before I ebay/charity shop them
*Uni reading/revision 2 hours
*Breakfast and packed lunch from home, take food to Mums to stop her having to pay for me also!

Enjoy your days everyone!

specialkthefirst

Hello all, it's a horrible wet morning here and quite chilly indoors. Heating is not going on untill at least next month tho!

Not much in way of a list today, but

*check online banking

*check nectar adpoints

*drop DS pre school 12.30 - 3.30 and his nan is picking him up

*work 2.30 - 10pm

*nsd


I am enjoying posting each day it is keeping me focused. Have a great day all xx

allydowd

Morning :wave:

Thanks for the starter DNM.

Love this Forum. It keeps me focused. Weather is attrocious.

The List:

:staradmin Check if credit reference agency have corrected an error on my file. They have. Yay! I know credit ratings aren't worth the paper they're printed on, but I do want them at least to assess me on the right data.

:staradmin Get OH to check own credit rating so check for errors.

:staradmin Check online banking. Fine.

:staradmin "Sign on" at [STRIKE]Land of the Lost[/STRIKE] Jobcentre. Beg for travel expenses to an interview. Last time they refused, but this one is 30 miles away, so surely they'll agree?

:staradmin Shop frugally while in town. Check Quidco ClickSnap (Link) and TopCashBack SnapAndSave (Link) before leaving. Might buy chestnut mushrooms on offer in Tesco.

:staradmin Watch a free film tonight on BlinkBox/ClubcardTV. To sign up to watch free films through Tesco Clubcard follow this link. (Link)

:staradmin Ignore all advertisements for new iPhone 5s and 5C.

:staradmin Wear novelty slippers OH bought me last year from the PoundShop. You microwave them to keep you warm. They are really warm but I can't walk in them as the soles are full of 'synthetic pellets'. It's like walking barefoot on a gravel beach. Will have to do for keeping warm when sitting down! I don't like putting them in the microwave though, seems unhygienic.

:staradmin Dig out nearly new coat from Winter storage and spray the seams with Fabsil from stores to waterproof it against the rain. Glad we still have some it's £4 a tin to buy.

Freebies:

:staradmin Free Nakd Bar 10,000 printable coupons available (Link)

:staradmin Free Flea Comb (Link)

xJOJOx_2

So sleepy today, need to wake up :-)

Today's list:

*Not venture into town and leave until tomorrow (have a appointment tomorrow) Saves spending those little costs twice Done

*Walk and pick up daughter from pre-school, hope she enjoys walk back! [COLOR="rgb(154, 205, 50)"]Done
[/COLOR]
*Clean bedroom, living room, Kitchen....again. [COLOR="rgb(154, 205, 50)"]Done
[/COLOR]
*Shepherds pie for tea and also set up a stew in slow cooker for tomorrow as out most of the day [COLOR="rgb(154, 205, 50)"]Done, as well as some bolonize for another day[/COLOR]

* Clear out fridge ready for delivery of new one (should of done yesterday)

*Write list and put in bag ready for tomorrow (I always forget to do something)

*No spend day again i think ;-) [COLOR="rgb(154, 205, 50)"]Not done, spent 99p on biscuits, daughter earned a treat[/COLOR]

...........Just need to get going now.............

ShootForTheMoon

Morning gang!!

Thanks for the kick off DNMS! Hope everyone is well!!
Apologies for the lack of effort in the previous couple of days posts; work is absolutely manic at the moment!!

Like Ally says, this forum really helps to keep me focused on the little things that will help us reach our goals - so thanks guys!!! You're the best! :grouphug:

So, making up for a rubbish couple of days, my money-saving activity for today looks like:

30-day shred DVD... :j No gym fees here!! - done!

Brekkie from stores - done!

Adpoints - done!

Write complaint e-mail to B&Q re: service when we collected the shed - fingers crossed for compensation

E-mail my family in Egypt to arrange diving on the cheap for when we're out there in October!! Yay! - done

Check banking & NSD today - done & in progress!

Read Martin's e-mail

Cycle up and continue work on allotment

Clean windows and all the glass on the balcony

Quick shower

Lift share to work for late shift & take packed dinner

See if there's any planned overtime going at work over the next couple of weeks for some extra pennies!


Think that's just about it... Have a great day everyone!!

Lots of love xxx

xxx

trixie888

TODAY:
--Brought my lunch
--Brought my BODUM glass for tea

No cappuccino.
No croissant.

MrsGSR

Morning,

Feeling a little down today as I have been going through accounts today and realised we had another insurance we didnt need and so have cancelled it. I am hoping they can reimburse it as I had already paid another insurance!
Still today:
Tea ready to take to work later
Sorting out all our socks
Third NSD.

Its the little things that add up I guess.

foxgloves

Afternoon Money Savers,
DNMS - Hope you're feeling better by now. I'm not feeling 100% lively myself, but think I'm just starting to reach a funny age! :-/
Small positive things today:
*Laundry successfully dried overnight on our new heated airer. Think we'll get on ok with it. It holds more than I thought it would & even 3 pairs of jeans are nicely dry.
*Meals as per meal plans - home made lentil dhal from freezer which I batch cooked a while ago - with rice & spicy stir-fried veggies.
*Been busy with the plums & damsons Mum & Dad brought me yesterday. Damson & apple dripping through from jellybag, 6 jars of plum jam bottled & cooling on the side, a dozen plum & cinnamon muffins baked, some to go in freezer for when we need a bit of something in the cake-line.
*Did a couple of surveys.
*Picked tomatoes. Still quite a few left, but have stopped feeding the plants now, as just need to concentrate on ripening them.
*Lunch will partially involve leftovers from yesterday.
*Knit Christmas present.
Ooooh, forgot to say....yesterday I had a bit of a Foxgloves:Wool Shop interface & did not crack!! They had the totally gorgeous sequinny yarn I've been hanging my nose over for ages, & did I succumb? No I did not! Have got pattern for long tunic with zip right down the back which would look FAB knitted in that & how glam it would look with jeans & my purple DMs, <sighs>, but I still didn't buy it & felt small rosy glow of virtue, as wouldn't even have hesitated in the past.
Oh well, that's me,
foxgloves x