Tuesday 24th September 2013 - What small DFW things will you be doing 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:

Wooohoo! Tuesday :j Day 2 of my 6 week manic work phase! Worked until 10.30 last night :eek: Have decided the only way to get through this is to be super excited and positive and make the time fly! :j I'm am raring to go and up for it! Who is with me??

Yesterday made a super withdrawal from the bathroom fund and ordered the bath, sink, toilet & taps :eek: I know we've been saving to do the work but it is still hard to stomach seeing the funds disappear so rapidly. Let the manic times begin!

Things for the day:

* checked banking
* made small payment towards my £100 overspend on cc - £9.15 from scrap metal sold yesterday
* leave bag of items outside for charity collection
* take clothes to clothes cash converter place today - sure it'll only be a couple of pounds but anything is better than nothing!
* post parcels - print labels at work
* go and collect enay item - baby walker dgd's Xmas present (£7 instead of £20 new )
* dinner is left over beef made into a spag - will make enough to have a chilli tomorrow
* go and collect blind for spare room from The Range near where I work (the one in our home town hasn't had any stock for weeks)
* quick shower
* Work, work Work!
* 30 day shred tonight
* bake biscuits & cake tonight for team meeting on Thursday
* something bathroom related is being delivered today - not sure what?

Ok better go get ready. Have a great day everyone. See you tomorrow! :A

bt1

Morning :wave:

Thanks for starting dnms. I'm with you! But hoping for a less manic day. My boss isn't in today so hopefully will be leaving dead on 5

My list for today:

• Walk to station - done
• Check bank - done, transferred a bit to savings so left with £5 for ipad sim direct debit that's coming out this week
• Check CC - done
• Update app - done
• Lunch from home - sandwiches done
• Remember to take lunchbox home done
• Call car finance people and ask for an early settlement fee and if I can pay of a lump on CC - done, they are calling me back within 48 hours. I tried to calculate it myself but I'm sure I got the figures wrong. Current balance is £6724, 13 monthly payments of £221 left, have to pay £3850 at end... I got that paying off £2500 would reduce monthly payments to £55! Must be wrong lol
• Sign and send off contents insurance docs - done
• Call natwest CC and ask if they do balance transfers to current account, can do that to pay off my other cards so it's all in one place on 0% - ill do this once the car people have for back to me, not sure on the amounts I would need to transfer
• Stay in at lunch (don't go to shops!)
• Test getting he bus from work to the train station, it's slightly cheaper than tube but think it will take ALOT longer
• Going to mums tonight, she's offered to take me out for an Indian
• As not making dinner, will make sandwiches for lunch tomorrow and shift the meal plan to tomorrow
• Put last lot of washing away
• Quick tidy about
• Studying if I have time tonight
• In bed by 11pm

Sanchsoot49

Hi everyone

On leave this week and have spent too much already! Oh well will just have to rein myself in till payday :-)

List for today

Go to the.market and get some nice fruit and veg
Go to the discount card shop for a supply of nice but cheap birthday cards
Do some cleaning and ironing, I really hate it but am making the effort
Early night tonight, too many late nights recently

That's it x

allydowd

Morning, :wave:

I'm with you DNM! I hear your battle-cry! :rotfl:

Today I'm doing the fortnightly food shopping. This is usually my OH's job. I've been provided with a list which I've decoded. ("Darling, where in the supermarket should I look for "box" or "brown"?!" :huh:) I've been given the budget and instructed in which shops to go to, and to use the Clubcard and the vouchers and to take my own bags. Think I'm ready for Operation Shop now.

The List:

:starmod: Will not stray from the holy shopping list. Done. Came in at £1.50 under budget even though I snuck a wee bar of choccy into the trolley.

:starmod: Check all accounts. Done

:starmod: OH is at library on a course. Will use printer for free there. Done.

:starmod: Forage for berries later. No time!

:starmod: Job-hunting. Done

:starmod: Find USB extension cable so that we can move our WiFi to where it gets a better signal so we use less time on the laptop. Done

:starmod: Fix sticky 'N' key on laptop. Done.

allydowd

[QUOTE=bt1;

• Call natwest CC and ask if they do balance transfers to current account, can do that to pay off my other cards so it's all in one place on 0%

[/QUOTE]

They can. I did it a couple of months ago. Only when I called the adviser didn't know that it was possible and I had to get his supervisor on the line to do it.

Cheapest number to call NatWest or RBS credit cards on is 01268 508023.

MinnieMousesMummy

Good morning, I have been missing for a couple of days but I need to try and get back to the good ways. The weekend was busy as it was DH's birthday and yesterday was busy with work and college.

My plans for today:

College
Check online banking
Pay some money off debt
Sort ebay account
Do some of ironing mountain
Do homework for Wednesday
Get an early night
Start a meal plan for October
Sort and update cv
Look for part time work
Spend an hour on surveys

I think that is everything that I need to aim to get done today. Hope everyone has a good Tuesday, hugs to those that want/need them x

bt1

allydowd wrote: »

They can. I did it a couple of months ago. Only when I called the adviser didn't know that it was possible and I had to get his supervisor on the line to do it.

Cheapest number to call NatWest or RBS credit cards on is 01268 508023.

Brilliant!!! Thanks so much!!

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.

Got to push myself today as lots of these jobs have been hanging on for days, so 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] -
General Tidy up - Done
List more "bits" for sale on FB - Done
Make Wedding Acceptance card -
Ironing -
Filing & Shredding -
Coke Zone Codes - Done
Meals from stores -
Bake (free apples from neighbour) -
Track all food - In progress
Catch up on emails -
Surveys -
Nectar Adpoints -
Enter a few comps -
Read Library Book - in progress
Knit - in progress


Have a good day, love to you all.

C xx

xJOJOx_2

Listy for today:

Ring bank/find agreement for loans and find apr and term etc
Done. Coming in post
Ring c/c. Find how much longer left on 0% and following apr
Put date in calender when 0% ends Done

Put details in snowballing calculater. Work out best repayment.

Review d/ds and work out how much extra cash required once Maternity pay drops.

Post return to amazon, post beneifit form
Done
Meals from stock Done

Find where Ive put my passport and put with others

Walk to and from school Done

Quick tidy up/load of washing Done

Still to do

Search online for cheapest place to buy curtains for baby's room
Done ebay
Write list of few bits needed and get oh to buy

Start writing christmas list for me of things I need

Tiggy10

Hi all!
Tidays list:
- breakfast from home
- take lunch to work- pesto pasta.
- bf cooking tonight fron the meal plan
- find some money for the electric 0.89 p as of this morning on the meter- it usually lasts til pay day. >:(
- check bank
- do printing at work
- try charge my phone at work.
- ring council to get put on electorarl roll at new address- possibly why im finding it hard to get a credit report?

Thats about all!
Have a good one.

foxgloves

Hi Money-savers,
Today's small things:
*Finished dryng laundry on heated airer overnight on Economy 7 tariff. The very few large items still damp have been pegged back out on line. Lovely sunshine today.
*Ran slow cooker overnight on Economy 7 to make chicken stock.
*Did vast & horrid pile of ironing. Switched off for final garment.
*Made the apple & mint jelly which had been dripping though the jelly bag all night. Our own homegrown apples & mint, so only had to buy sugar. Pantry stocking up well. Some jars will be tarted up & given as presents.
Still to do:
*Make chicken stew using rubber chicken divvied up yesterday. Pick beans to go with it.
*Make apple sauce to freeze....didn't get round to it yesterday as felt all appled out.
*Post competitions (no online entry so 1 x 50p stamp much better option than ringing 4 separate phone lines at silly rates).
*Make tomorrow's packed lunch.
*Knit Christmas present. Back of jumper finished, will be casting on the front today.
*If time, pot up tender plants from summer containers to overwinter in conservatory so I don't end up re-buying next year because they've all carked it in the first frost.
*Keep checking emails to see if Debenhams have responded yet to my customer complaint.
*Remind mr f to source new printer cartridges so I can get some stories sent off.
I think that'll do me for today. Have a good day, everyone.
foxgloves x