Tuesday 8th Oct 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:

Morning campers super quick post from me as I have to leave for work early this morning. Today I go to West Midlands for a 2 day training course for work. Lots to do!

DFW things for me today:

* [STRIKE]quickly get ready[/STRIKE]
* do some prep before I leave for meetings today
* [STRIKE]checked banking [/STRIKE]
* [STRIKE]checked cc statement and worked out payments made this month[/STRIKE]
* B/L from stores
* will be eating dinner out but will claim that back on expenses
* come home at lunch & pack for going away
* post ebay parcel!!! OMG I am the worst ebayer ever!
* work on train to Coventry
* look at where we can get Euros from
* remind oh about cc payment
* call people about faulty toilet & replacement parts :mad:

Ok think that's all for me. Better get ready! Have a great day x

bt1

Morning :wave:

Thanks for starting dnms

Very busy at work this week so need to get motivated and make sure I don't mess up moneywise

List for today:

• Breakfast from home
• Check bank
• Update app
• Lunch from home - soup
• Stay in at lunch and sort finance things out
• Sort out car finance (need to pay off lump sum on my 0% card, but I don't have 0% purchase so need to pay on mums card and do a balance transfer. The fee will be cheaper than the interest I would pay on it )
• Talk to work about pension
• Stay at work tonight to study
• Get tube after 7 so I get the off peak discount
• Put washing away
• Dinner from plan - can't remember what it is !!
• Set up my computer so I can start spreadsheeting again!!
• Put tv shows on ipad to watch on train tomorrow
• Try ans squeeze this all in by 11 !!
• NSD!!!

MinnieMousesMummy

Good morning, I am returning again, I really need to try and make posting on here part of my daily routine.
DNMS - Thanks for starting the thread off this morning.

List for today:

[STRIKE]College[/STRIKE]
[STRIKE]All meals from stores, but not sure yet what is for dinner[/STRIKE]
[STRIKE]Pay some money off a debt[/STRIKE]
[STRIKE]Check laundry baskets and do any full loads[/STRIKE]
[STRIKE]Spend an hour looking on this forum for inspirational ideas[/STRIKE]
[STRIKE]Take ds2 for his 1st vaccinations[/STRIKE]
[STRIKE]Get DH to check oil & water levels in my car[/STRIKE]
[STRIKE]Use Mr A price checker[/STRIKE]£1.39
Make a start on family budgets for next year
Update cv (I want to try and get a part time job)
[STRIKE]Do 2 hours studying tonight once the kids are in bed[/STRIKE]
[STRIKE]Get an early night, as still full of the cold[/STRIKE]

ziggy2407

Good Morning My Lovelies

dnms - 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.

Am going to make today count, so far I have already been for a brisk walk and aim to go for another at lunch time. Thank you for all your support yesterday it really means a lot:A. Today's little listy (extremely boring and repititive - many apologies for this) :

Check Banks - Done
Check swapits - Done
Packed lunch for OH & DS - Done
Check www.freepostcodelottery.com -
General Tidy up - Done
Washing & Line Dry -
Investigate how to get rid of old tv -
List more bits for sale - keep re-listing on FB & netmums
Bake -
Meals from stores -
Track all food - In progress
Catch up on emails -
Surveys -
Nectar Adpoints -
Enter a few comps -
Knit - in progress (am knitting some baby blankets (for sale at the oldies sheltered accomodation Christmas Fair - it raises money for them to have days out, meals etc) and a Pollyanna doll for DNMS's granddaughter as I never got round to sending the blanket
Read Book (from stash) - in progress

Have a good day, love to you all.

C xx

carrielovesfanta

Oh oh oh it's is not a good day for toilets clearly!

DNMS - thanks for the kick off.

Day had started with waking from a lovely sleep. Got a panicked phone call from OH at 9.30, he heard a huge bang and the toilet cistern has completely cracked down one side. Water poured through kitchen ceiling. OH has turned water off at stop !!!! and mopped up all the water. Had to ring letting agents and the plumber is on his way.

Hope that LL is not too angry. Sounds a bit odd to say that the toilet miraculously broke

MSE things today:

Washing out on the line

B/L/D from stores

Crochet more of m-i-l's scarf while waiting for the plumber

Rinse contents of flooded cupboard in minimum of water after stop !!!! back on

Cannot flush (other) toilet while stop !!!! off :eek:

Cannot think of any more. Brain too panicked...

Hope your day is better than mine so far!

carrielovesfanta

ziggy2407 wrote: »

Good Morning My Lovelies

Investigate how to get rid of old tv -

C xx

If you google your local council, they should be able to direct you to your local recycling center. There will be a big container there for "small electricals". We had to do this recently for some stuff. HTH

Pippilongstocking

Oh dear Carrie - not good!

So morning all and thanks for the thread!

SO far
banks done
Three loads of washing done and hung up indoors - fourth a chugging
Dogs first walk done
Cuppy eggs for brekkie done
Tidied up both bathrooms
Done my hair (11 days is the perfect amount of time for it to settle and look ok-ish) I must cut it later.
OH lent me money to cover dd's (I know the bank said they will sort it but lets be honest - they put my cheque in a drawer for a week)


Need to do
Sort out work for today
Take some lunch from cupboard
Sort out car - DONE
Continue to look for very pesky credit card
Send a dear chum a birthday card
Meeting this afternoon
Mutts to walk again
Meeting tonight with a chum
Voucher to take into town and see if I can find anything nice with

New pedometer seems to be working (app on phone) OK so the phone will lose battery quicker but saves having amillion bits in my pockets.

Steps today so far 6437

Yesterday I did 18435 so I'm hoping we can get up there - got a long walk with mutts planned today as the weathers a bit less soggy.

Must write a wedding to do list too.

Hope you all have a great day!

Thanks for the thread DNM!

foxgloves

Morning all,
Another glorious autumnal day with lots of sunshine.
Today's few small money-saving things:
*Home-made porridge pots for breakfast.
*Saved water left in kettle from breakfast coffee in flask ready for next coffee. Kettle boils in no time, so less energy used.
*Found home-made tomato & onion curry sauce in freezer batch cooked ages ago, which I can use with last of the rubber beef & veggies for dinner tonight.
*Free exercise - drove to riverside meaning to say hello to the ducks & not do much else, then Mr Pedometer said I'd done nearly 2 miles & burned 180 calories!
*Filled my pockets with beautiful shiny conkers. Have put them in a clay flowerpot with an old candle wreath of fake berries around the top & stood it on windowsill, & it honestly looks like something that would cost £14 at our local garden centre, but was free!
*Pick more courgettes.
*Feed & water cucumber plant which is still producing, because of the warm weather.
*No heating on yet.
*Start clearing greenhouse & veggie garden & chucking our home made compost about, to get ready for next year's home grown food. My gardening year always starts in October.
Have a good day, everyone.
foxgloves x
ziggy - So you've been out for a walk today, too! I've felt just the teeniest tiniest little resurgence of anxiety symptoms over the last week or so, for no reason whatsoever, so walking (even just a mile or two) is such a good way of burning off the adrenalin. I feel completely fine now, and because I'd done some exercise, it motivated me to re-start logging my calorie intake in my diet book, as my weight has stuck again, & I'm aiming to lose a few more lbs before December when all my Christmas baking sends me into sort of festive carb coma, lol. The knitting for charity sounds lovely. xx

sparklychar

Didn't get to post yesterday, busy day at work then gave myself food poisoning last night on some soup that was just a bit too old in my fridge.... oops!

So just in bed, off sick today

Small things for yesterday/today:

Drove shorter route home from work, 34 miles through cities (mostly fast roads still though) rather than 44 miles by motorway. Takes 10 mins longer, but based on google investigations should be less fuel... if i do this 2x a week-ish for the rest of the academic year should be 500+ miles saved. I have skyrocket mileage so every little helps!
took lunch to work
signed up to Crowdology

and to do today....
well i'm not eating a right lot!!!
Done a couple of Crowdology surveys, earned £1 or so.
Check for Quidco surveys
NSD!
Pay in a couple of cheques - expenses/extra work.
Adpoints
Competitions.
Have switched off a few appliances on standby at the plug.

Have a lovely day everyone xxxx

allydowd

Afternoon all, :wave:

Thanks for the starter DNM.

Had a bit of a meltdown earlier over stupid "chimney-Housing Association-neighbour" related dispute, but recovering now. I have a tendency to worry about things that'll probably never even happen and then I get cross with myself for over-reacting. Must be something in the air today. Hugs to you all.

:cry::cry:

Deep breathe and here's my list...Keeping calm and carrying on, what else can I do? Going with an optimistic green colour scheme today.



The List:

Check online banking.

Job-seeking.

OH is at IT course. Will print 5 documents while she's there. Free printing!

Wrote letter to credit card provider as Sky are refusing to even discuss our problem with me. Gonna try to get the £175 back from credit card company under Section 75.

Come up with something for dinner before OH comes home. Might make cannelloni. Perhaps with green tomatoes that have refused to ripen.

Enjoy indoor fuchsia that has bloomed all Summer and is still at it.

Wrapped newly-delivered Christmas gifts with home-made gift-wrap. Going to try not to wear my new trainers til Christmas, unless the old ones fall apart.

Delete rubbish from e-mails for maximum efficiency. Don't need any more confusion in my life.

OH to get Nectar Points with petrol.

Clean mugs with own-brand-Milton fluid.

allydowd

ziggy2407 wrote: »

Investigate how to get rid of old tv -

If it still works you could advertise it free for collection on Freecycle. (Link)