Tuesday 17th December - 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 :wave: & Happy Tuesday to you all. Thanks for your kind wishes & thoughts Ziggy & foxgloves :A Hurrah to it being Tuesday as am at an all day meeting today, busy but makes the day speed by and am off on Friday so today is my hump day :j

Things for today:
* [STRIKE]checked banking[/STRIKE]
* [STRIKE]need to transfer £20 out of joint into personal account[/STRIKE]
* [STRIKE]transfer cash from savings into personal account for car repairs[/STRIKE]
* [STRIKE]book eye test for Friday[/STRIKE]
* all meals from stores
* get bread out of freezer in garage to make sandwich
* hang up washing
* clean up toilet sitting in spare room as it is being collected today :T (bought because I bought our current toilet online and they sent me the wrong parts so needed another for 2 weeks:mad: made a substantial loss but at least it's sold and out of our spare room!)
* take down bed from spare room & clear it out for carpet being fitted tomorrow :j
* quick bath
* purchase birthday card for dd and post
* buy stamp and post card to ds
* swap onesie for a bigger size
* text car mechanic and see if he'll come and view a car I have seen with me
* cancel going to a carol service tonight because I have so much to do!

Ok that'll do me. Hopefully the day will speed by Have a great day everyone x

Sparklyshar good luck with the interview x

ziggy2407

Good Morning My Lovelies

DNMS - Thanks for starting us off today,

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.

Sooo Today's little list:

Check Banks - Done
Check swapits - Done
General Tidy up - Done
Packed lunch for OH & DS - Done
Christmas play @ school this afternoon (DH seeing it tonight) - Absolutely FAB
Hairdresser @ home - Done
Re-Install security on laptop/pc -
Contact Library (forgot my pin no ) - Done
Wrap pressies - Done a few more
Work out what still needed for presssies -
Write more Christmas cards (to hand deliver) -
Meals from stores - Done
Check www.freepostcodelottery.com - Done
Filing & Shredding -
Catch up on e-mails -
Surveys -
Nectar Adpoints -
Enter a few comps -
Craft -
Knit - Decide on new project
Read Book (from library) - in progress
Count my blessings -
Update here -

Quite a list so best crack on, have a great day, love to you all.

C x

MinnieMousesMummy

Good morning everyone, I am managing to remember to post every day and start to get myself organised, which I am already feeling better for J

My list for today:

1. Do MSing work that is in for todayDone
2. Sort through 100 emailsDone
3. Go to collegeDone
4. Check postcode lottery & birthday bingoDone
5. Do some work on Nectar adpoints
6. Go to the school panto tonightDone
7. Check banks and move moneyDone
8. Do 2 loads of washing
9. Make xmas food list and meal plan
10. Do course work that is in for today
11. All meals from storesDone
12. Enter a few comps
13. Do some surveys
14. Spend an hour sorting paperwork
15. Knit the shoes for the clown
16. Sort through presents and see what is still needed
17. Finish putting xmas decorations up
18. Collect kids from school & childmindersDone
19. Working at clients premises 1-3Done
20. Spend 30 minutes on ironing mountain
21. Sort tester paperworkDone
22. Update list and catch up with the thread from todayDone

I think that is probably enough to be getting done today, Hope everyone has a good Tuesday x

retromother

Updated Home Budget app and checked bank balance
Got clearance lamb out of the deep freeze to make into a pie
Stayed out of the shops
Went to free nativity play at school
Started my new year menus (use up only until then)
Wrote in my money journal
Ordered DS a stunt scooter for his birthday that was half price and used Topcashback too

foxgloves

Morning Money savers,
Bright sunny day. Had brisk walk to postbox first thing to blow away the cobwebs.
Today's small things:
-Laundry done overnight on Economy 7 tariff, 30 deg. Done.
-All drying on heated airer, as cheaper to run than cranking up the upstairs radiators. Done.
-Hot bath water recycled for a bit of handwashing, which I just spun, so a bit of energy saved there. Done.
-Hot kettle water being saved in flask for next drink. Ongoing.
-Make Christmas cake. Done......just about to come out of the oven.
-Cut greenery for making Christmas wreath. Done. Now hanging on front door (Paid £8.50 for one last year which was daft as I have holly/ivy/conifer bits growing in garden plus wire, box of fir cones & 99p Shop wired ribbon. Never made one before, but am really pleased with it & as I saved the inner ring from the one I bought last year, it was FREE.....our favourite 4-lettered word, lol) Done.
-Finish knitting Christmas Present no.8. Yes, I know, this has been on my list for ages & it still isn't finished. Problem is, it's for mr f, & I can only knit it when he's not around. He should have been off work this afternoon but has decided he needs to go in, so I'm going to catch up on 1 or 2 tv progs & knit like mad. Then I've got about a billion loose ends to darn in........
-Check for surveys. Do as many as I can stand. Done.
-Give some cards to mr f to pop through doors while he's up in the north of the county, rather than pay postage (£1-50 saved). Done.
-Meals as per meal plans - mr f's cooking night. Veggie spaghetti Bolognese. Still clearing space in freezer for Christmas baking....so that's one container of tomatoes out, plus some soup for lunch. Got to think ahead to doing rubber turkey....... :-)
Well, as usual, Christmas cake needs extra time in the oven, so will clear a few more emails, then test it again. Have a good day, everyone.
foxgloves x

good_advice

Hi all
Just watching Prancer returns on tv. Just thinking, I was going to buy that DVD a few days ago.

Have written on my 1 Christmas card to be posted today, last day of 2nd class post.

Taken puppy for a walk.

I did several surveys last night on the desk top computer. They do not seem to like my mini ipad.

not much news...

its_maths_not_magic

Morning lovelies ,

On this slightly chilly but beautiful Tuesday I'm:

1. Here, keeping my mind on the game and on my money.
2. Cooked all food for today.
3. Going to take the dog for a walk.
4. Meditated.
5. Practised my guitar.
6. Checked my accounts against my budget spreadsheet and all is good.
7. Hoping to donate a turkey my husband got as a christmas gift to a local charity (we dont have an oven, and are pretty much vegetarians anyway, so its useless for us).
8. Looking after my teeth.
9. Having another spend free day - love those.
10. Have christmas completely in the bag bar food shopping.
11. Got my grocery list ready.
12. Going to look for some cheap vege dishes to expand the menu
13. Getting my calendar organised for next year.

I think thats about it. Have a great tuesday everyone.

MrsGSR

Afternoon! After waking up feeling miserable I have made some progress.
1. Closed my Next account as never used it.
2. Closed my CC as I paid it off.
3. Made granola as it's cheaper cos I don't like dried friut and the ones without cost a fortune.
4. Opened another online saver so now have 4 online "pots of money"
That's it for today!

Pernicious

Hi everyone,

Thanks for starting us off DNMS, it's my hump day as well!


Today's plan:-

• Making use of free water & food at work - it's our Christmas buffet today so there's loads of food available! My contribution was a cake, which turned out alright I think
• Staying in for most of my lunch break to avoid spending but popped to pick up a couple of bits, less than £10 spent
• Dinner from meal plan - Macaroni Peas
• Charging phone at work
• Check online banking
• Enter some comps
• Do some surveys
• Declutter & flylady
• Heating on low, fleecey dressing gowns on
• Debate applying for another job (less money, more interesting work though)
• Continue with the DIY this evening
• Post xmas cards with 2nd class stamps
• Go to Sainsbugs after work & stick to list, go to prepaid pole class afterwards to save petrol
• Enter a few more comps

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