Friday 8th November - 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:

Moooooooorning! Hello Friday, I've been waiting for you! Wow feels great to have got to the end of the week! Hurrah, rejoice, get through the day & we are on home ground

Right DFW things for the day:

* checked banking
* got paid £3.85 from Quidco. Wasn't expecting that so it was a very pleasant surprise :T
* did VSP and will update sig
* all meals from stores
* soup out of freezer for dinner
* toast & cream cheese for lunch
* call some skips for a quote
* take note of mileage
* try to get through a mountain of work!
* check tyre pressure
* grab some drinks & snacks to take to a quiz we are going to tonight
* update spreadsheet with yesterday's spends

That's my lot! Better get my skates on! May the force be with you all today

Max_b_2

Getting new windows fitted so I have to stay home saves in 2 ways, 1 I cant go out and shop today and 2 with better windows we will lower fuel bills (hopefully!!)

josiebabie

Morning all!

Going for the first thing in the morning post today
Thanks for starting us DNMS. Hope that DGD of yours let you sleep a little this morning!

This is me today:-
- [STRIKE]Check banking[/STRIKE], dad's payment for DSister has gone in
- Sell additives! Two opportunities today for £5 commission
- [STRIKE]Walk to Doctors this morning[/STRIKE], missed my appointment last week
- Mr T's online shop arriving between 6-7pm
- [STRIKE]B/L/[/STRIKE]D from stores
- Meal from mealplan, burgers and sweet potato chips!
- [STRIKE]Stick to diet, eat only what I brought with me[/STRIKE]
- [STRIKE]NSD[/STRIKE]
- [STRIKE]Work super hard and hope the day goes quickly[/STRIKE]
- [STRIKE]Quick shower and hair wash[/STRIKE]

Jx

Have also:
- Borrowed some dressed from a colleague for a black tie/red carpet event we're invited to on 23rd November!
- NOT put fuel in DM's car, only used it to work and back and OH is fixing it tomorrow so it's a fair deal
- Give OH £30 to give to his B-I-L for doing jobs for my DM

uphillstruggler

Morning, everyone!

Today I have/will:
*check accounts
*call accountant
*work, work, work! [doing]
*put some items on ebay
*check MOT date [done and booked]
*order bike tyres
*CC charge claim letter - print and post
*meals from stores
*sort wardrobe - sell unused items/shoes
*photo next to bike for bike insurance

Have a lovely day all
US

ShootForTheMoon

Morning lovelies!!

Not much to report today really. Got called into work overnight and likely to be here late tonight.

On the plus side - will definitely be a NSD as work will provide food.
And in for a fair whack of overtime!

Will hopefully post later when I'm home from work

Take care everyone x

Bohochange13

After feeling very sorry for myself yesterday and not doing anything or achieving anything except for a NSd I am back this morning and raring to go so good morning to you all!!!

It's going to be a spend day as need to buy birthday present, replenish stores with essentials and buy the slow cooker! List ready so no over spending unless I come across a cheap Christmas present that I can warrant buying!

So today's list

- all meals from stores
- list on ebay
- check online banking
- check postcode lottery
- quick clean around

Have a lovely day

ziggy2407

Good Morning My Lovelies

DNMS - Thanks for starting us off, will you pm your address almost finished knitted doll for your DGD (cos forgot to send blanket:o)

Hi to all of the regulars 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 list:

Contemplate letter of complaint to Car Insurance (car was scraped by a lorry in Sept, luckily OH not hurt but we have had so much hassle and had to ring so many people back and forth its cost us a small fortune, yesterday we got a letter with insufficient postage on from garage so that cost us again, and then to top it all off the garage were v rude to me on phone this morning about returning car) -
Check Banks - Done
Check swapits - Done
General Tidy up - Done
Packed lunch for OH -& DS Done
Meals from stores - Done
Check www.freepostcodelottery.com - Done
investigate CC with rewards (we use and pay off in full every month so would be good to get something for nothing, lol) -
Iron - All done!!!
Collect items from Next (smaller sizes even though weight maintaining) - 2moro
Catch up on e-mails - Done (and un-subscribing from those no longer needed)
Surveys -
Nectar Adpoints -
Enter a few comps - Done a few
List bits for sale/declutter - FB/Freegle etc - few more bits gone
Knit -
Read Book (from library) - in progress

Have a good day, love to you all.

C x

Kate_fixing_it

I was still feeling pretty bad yesterday too Bohochange13 but like you I'm back on track now. Glad you are feeling better too.

Today:
Checked bank - nothing in there until Monday but I have no need to spend all weekend
Bags are packed for weekend with parents
Finishing work at 2.30 to reduce driving time (one less journey) and avoiding temptation to spend
B & L from stores and meal plan
Dinner at parents
Heating off as not going to be in until Sunday
Charge phone at work
Rest and enjoy family time

That's me done! Unlikely that I'll have phone or internet signal over weekend so phone will be off and I will be having a complete break from life until Monday.

Have a great weekend everyone

Kate x

allydowd

Hi, :wave:

Finally a day off! <Crawls onto sofa.> Have worked my socks off this week.

The List:

Plan salary spending.

Bought OH a couple of Christmas gifts after shopping around.

Pernicious

Hi everyone,

Thanks for starting us off DNMS.

Today's plan:-

• Making use of free water at work
• Food from stores
• Staying in for most of my lunch break to avoid spending but popped out to pick up a parcel & buy some wrapping paper suitable for a baby shower tomorrow & birthdays later on if I don't use it all
• Dinner from meal plan - Cod & veg
• Log calories & exercise on free apps
• Checked birthday bingo
• Charging phone at work
• Check online banking
• Check for new mystery shopping opportunities
• Enter some comps
• Do some surveys
• Declutter & flylady
• DH hopefully doing a bit of overtime today
• Heating off as long as possible, fleecey dressing gowns on instead
• Arrange to return boots
• Ask Daddy dearest to come fix our dripping tap!
• Go to second job this evening, driving not drinking

Hope you're all ok & have a great MSE day x

foxgloves

Afternoon all,
Well, started off brilliantly today, but have since wilted, so will get this posted, then self-administer a giant kick up the bum.
Today's list of small things:
*Left tablet & phone plus chargers right where I'd fall over them on getting out of bed, thus reminding me to plug them in & charge them while still on Economy 7 tariff. (Nearly trod on tablet, but this strategy did work!)
*Shared bath water.
*Bathroom heating off as soon as morning bathroom ablutions completed! No other heating on until at least 5pm.
*Bedroom storage heaters turned down an extra notch as it was plenty warm enough & savings made by turning them down definitely shows up in my weekly meter readings.
*Breakfast was porridge using huge bag of yellow-stickered oats I bought the other week, plus homemade pear & cinnamon compote from freezer, which I made to use up our glut of pears.
*Pulled leeks, the last few carrots & cut probably the last cucumber from the garden.
*Make apple sauce from 4 huge windfall apples picked up earlier.
*Free exercise, as spent 2 hours clearing & weeding one of my big flower borders. Replanted a gap with a dozen self-sown foxgloves. Love self-sown stuff (apart from weeds!) as can fill up gaps with lovely free stuff.
*Did lots of surveys.
*Meals as per meal plans - I knew that extra cottage pie I bunged in the freezer would come in useful.
*Do meal plans for next week.
*Write shopping list for tomorrow.
*Save electricity on hoovering by not doing it......no, not me being lazy, I usually do my big house clean on Friday, but we're hoping to clear the pond out tomorrow, so what's the point hoovering today when we're going to be trailing gunk in all over my clean floors? Big Clean Day swapped to Monday rather than hoover twice.
*Explain to cat he is NOT having the lounge fire on when he's got a perfectly good cat bed upstairs next to a radiator. (Stern voice worked! He's now up there snoring his ears off!)
Right, just got to administer myself that kick up the bum, then on with my day. Hope you're all having a decent Friday.
foxgloves x