Monday 30th September - What Small DFW Things Will You Be Doing Today

bt1

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:

bt1

Morning :j

Monday again! Trying to stay positive today! Only 5 more sleeps til the weekend really need to get on top of studying this week!

Quick list for me then I'm going to have a nap on the train!

• Walk to station
• Check bank
• Check CC
• Upstate app
• Lunch from home
• Stay in at lunch
• NSD
• Get bus to station or walk (from work) - cheaper than tube
• Dinner from meal plan - chicken and pesto pasta
• Leftovers for lunch tomorrow
• Call sainsburys to fine out the balance so can do balance transfer
• Do balance transfers (need to get the card detail so ff my mum as they are in her name!)
• STUDY - finish video lecture I started at weekend

determined_new_ms

Morning bt1 :wave: thanks for starting us off Hope you get your studying done. What are you studying?

Things for today:
* checked banking & transferred dd's money to her bank
* updated ss as oh paid his housekeeping in
* all meals from stores - spaghetti from batch made from freezer catastrophe on Saturday
* nip to aldi and get a few bits - sticking to list
* go and buy windscreen wipers
*take meter readings & submit
* turn off heated dryer and put away washing
* check grabbit board for xmas gifts
* purchase travel ins - go away to Greece next week :j
* clean my car tonight as am driving people to the event we are putting on tomorrow
* watch the last Breaking Bad tonight - can't wait!

Our bathrrom starts being done today! Exciting and frightening at the same time! Ok better go have a great day everyone x

DigForVictory

Made (& remembered to bring in) my own packed lunch!
Plan to buy a giftcard tonight with new paycheque so can eat at end of month.
Reminder set to read meters tomorrow.
Top up at Sainburys on the way home tonight as 7p/litre cheaper than the garage near home!
*Not* go and "look at the shops" at lunchtime.
Email thankyou letter to (techsavvy) Aunt.
Email thankyou to Yarndale event organisers - had a Glorious time (tho gather some didn't, so feel all hurrahs needed to encourage them to do it again, even better, next year.)
Strain the ginger syrup & see how many too few bottles I have. (Oops. May not resist "just popping into Wilkos" on the way home to resupply.)

MrsGSR

Morning, a bit weary this morning as DS was up quite a lot in the night.
Todays agenda is-
*school run- on foot
*withdraw money for remainder of kids groups for month.
*new kids toothbrushes from savers not boots.
*bake foccacia for lunch with friends tomorrow to save me buying french sticks.
*call AA and confirm new cover.
*check bank accounts
* mini toads in the hole for tea. DH says he is bored on noodles, cous cous and rice so I am aiming to not use them this week which may be tricky.
:

MrDebtWarrior

Good Morning everyone,

This morning I have

- Checked bank - no surprises although awaiting some debits and credits to update.
- Made packed lunch for lunch
- Watched Breaking Bad

Today I will

- Have a NSD
- Phone Virgin Media to downgrade my internet speed to save some money
- Change some Direct Debit dates so they are closer to my pay day.
- Use cashback/comparison to check OHs car insurance.

If I'm able to complete that list then I'll tackle some more things on my 'Do' list.

Have a great day everyone

ziggy2407

Good Morning My Lovelies

bt1 - Thanks for starting us off :A

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.

Been AWOL for a few days and now feel able to get on to it - Today's little listy :

Check Banks -
Check swapits -
Packed lunch for OH & DS -
Check www.freepostcodelottery.com -
Collect Prescription -
Post Office -
General Tidy up -
Ironing (little bit) -
Declutter -
List more bits for sale -
Meals from stores -
Track all food - In progress
Catch up on emails -
Surveys -
Nectar Adpoints -
Enter a few comps -
Read Book (from stash) - in progress

Have a good day, love to you all.

C xx

bt1

determined_new_ms wrote: »

Morning bt1 :wave: thanks for starting us off Hope you get your studying done. What are you studying?

Studying ACCA... Only 5 exams to go before I'm qualified! Just want it to be over!! :cool:

allydowd

Morning all, :wave:

It's Monday, sigh. Really not a huge fan of that 'M' feeling:

The List:

:staradmin Check online banking accounts. Done

:staradmin Look at Tesco discount vouchers to see if any are of any use. I know I post loads of offers on here every week but I don't make use of them unless they're what we actually need! Done

:staradmin Look on online library catalogue for book. Done. Still unavailable.

:staradmin Get the washing outside in the high winds. Done

:staradmin Pick rose from the garden for indoors. Done

:staradmin Set OH's bramble jam that is sitting there looking watery and forlorn. Oh dear, she tried so hard. Done

:staradmin Try on two pairs of Winter casual trousers for fit. I haven't been wearing them because they're cargo pants with a zillion pockets and they're a b****r to iron. And I have put off trying them on in case they didn't fit! Done. Thank G-d they fit!

:staradmin Enter ten Facebook competitions.

:staradmin Work out what to do with 2 litres of free Alpro 'milk'.

Freebies:

:staradmin Free (?) Maltesers. (Link)

:staradmin Freebies for Manchester students tomorrow. (Link)

:rudolf:Christmas: :rudolf:

I'm not hugely into Christmas. However, OH is so I make a bit of an effort. Trying to get it all planned a.s.a.p. so I can forget about it.

:staradmin Found three books OH gave me last year that are still untouched. Will read one and the other two can be wrapped up and given to me again this year. Usually I've read them all by the Summer, not sure what happened this year...

:staradmin Make wrapping paper to wrap what we have so far. Use enormous stack of coloured printer paper we've been squirreling for ages and crafty bits given by a friend. Done

:staradmin Find gift tags, tape and cards left over from last year. Done

[Deleted User]

Hello again you guys!

So far today I have:

• completed my invoice for last week
• been to the bank
• done an up-to-date budget for the next month
• bought a mop
• mopped the kitchen
• tidied around the house and given everywhere a quick hoover
• been blagged by my 2yr old into buying a (cheap) dvd!
• done a cupboard checklist and meal planned for the week ahead, so I don't have to go the shops and spend lots this week on shopping. Hoping for a very cheap shopping week.

Still to do today:

• Make a quick, easy and cheap lunch for myself and my son.
• swap sky cables over to a freesat box, as my sky subscription ends today! :T Very happy as I will no longer be paying for their tv service - approx. £30/month better off.
• Do the ironing

La_escocesa

Hi everyone :wave:

Hope you’re all hunky dory.

Things here are going quite well. I’ve been getting right into Law of Attraction/positive thinking stuff. Doing wonders for me.

Here’s me:
PAD to cc
Paid OH’s tax rebate into joint a/c – not his personal one
Ordered flowers for garden with 50% off and then a 20% off code – both worked! Result!
Ordered first crimbo pressie – saved about £9 on the price I saw in it a shop before I ordered it online – always worth checking before forking out :cool:
Won a comp at work :T
Signed up for sharesave - £80 a month x 3 years. Last time I doubled my money so fingers crossed the same thing happens this time round :T
Cheapo porridge pot brekkie
Packed lunch
Bought cheapo multipack crisps rather than 70p a pop from machine at work :eek:
Planning living room curtains – will order material from e bay and handy dressmaker aunt will make them :T
Use last day of weekly bus pass – working from home tomorrow rather than today – can stay at home tomorrow and don’t need new ticket until Weds