Tuesday 2nd January 2014 - what small 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: oh jeez I've woke up late on my first day back! :eek: quick coffee to wake up then I need to spring into action!

Small things for the day:
* check banking
* work hard!
* call boss and see if she is ok with me working from home
* get something out of freezer for dinner tonight. Sausage & mash to use up lo mash
* lo Christmas dinner soup for lunch mmmmm
* NSD
* return 2 things during lunch break for bigger sizes
* drop off a bag at the cs
* paint radiator
* db coming to continue tiling bathroom :j
* iron bundles of baby clothes to list on facebay/ebay
* going to the gym after work
* early night as can't over sleep tomorrow!
* continue writing out month's meal plan/shopping list

Ok that's my lot. Have a great day everyone x

sunshine81

So today I will/have:

-check online banking
-work 7.5 hr shift
-made dinner from what I have at home to bring to work
-write some of my essay
-ring gp to see if I can get pregnancy vitamins on prescription instead of buying some
-put a couple of small cheques in the bank that have been hanging round the house for ages towards paying off my overdraft
-Add £1 to my £1 per day savings jar
-put any coins up to 20p in terramundi pot
-Go food shopping, sticking to what is on my list compiled yesterday
-Got petrol from a certain place in order to get clubcard points - also cheapest in the area
-Do Adpoints
-Hit goal on Swagbucks
-Buy a plastic tub to put washing powder in (we have damp under sink so the box keeps getting wet and it's wasting lots)
-find voucher for free changing bag before it expires
-use candles in front room instead of heating if it gets too cold
-find my diary!!

good_advice

Happy new year DFW people

Today we are back home from a few days away with family.
Today will be the start of clearing up/ putting some decorations away, dusting and what is for dinners.....

Bins were emptied today. Wash mountain to do.

HM delivery grocery coming this morning. It is not just food though, when I put all the other non grocery on the list as well = bleach, disinfectant, toilet rolls, kitchen rolls, air freshener refill. I all adds up.

Over NY I spent £4 in a charity shop. Went mad and opened the safe (purse). I bought a lovely bag with pink flowers on to put my knitting in. I got fed up with my old bag. £2 and x2 chair seat pads that I am going to recover = crafting.£1 each.

I said I did not want to go to the sales when invited. No need, to walk around the shops in the cold and rain. Nothing I needed to buy.

Anyway, back home last night. I have some new photo's to put on my computer. New photos to print off and put on my wall.

Lots of people are back to work today and for once it is not raining.

Have a good day everyone.

littlepinkstars44

Morning everyone! I'm back for a fresh start this year!

Today I'm not working as it's still a bank holiday here, hurrrah!

But I will:

• Look at money situation/accounts and make minimum payments DONE
• Update signature DONE
• Put loose coins into the jars DONE
• Make a start on book 2 for my OU course
• Take boots and top back I bought in sales (£30 to go back in my bank!)
• Use my starbucks tumbler I got for Christmas to get my coffee cheaper
• Use gift card to pay for coffee making it free
• Need to get petrol, but have a fuel saver vouchers for morries
• Rejoin the using it up challenge and take a full inventory of all my toiletries...this could be scary! DONE

HGBeast

New to this thread but sounds a good idea

* pick up my free Richard and Judy book on 02 priority
* eat the first of my lunches prepared from home
* walk around at lunchtime looking for "roadkill" also free exercise
* finish the washing up that's piled up
* Ask managers if there is any overtime (don't ask don't get)
* Make use of the free tea and coffee at work

Hopefully a NSD for me today

La_escocesa

[FONT=&quot]Hi everyone :hello: [/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Thanks for starting us off DNMS – I know it feels like a Tuesday but it’s really Thursday y’know [/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Well – that’s me back to reality with a kick and a pre-6am start. [/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Here are my small things to get me going: [/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]:j HM porridge pot [/FONT]
[FONT=&quot]:j Packed lunch [/FONT]
[FONT=&quot]:j Sorted pressies for friends’ babies – HM stuff – will post 2nd class for UK post[/FONT]
[FONT=&quot]:j Need to get travel card sorted and buy monthly ticket – will save about £10 a day!! [/FONT]
[FONT=&quot]:j Sent away for £80 refund :T – due from old work’s sharesave[/FONT]
[FONT=&quot]:j Clearing out – feels good!! [/FONT]
[FONT=&quot]:j Check banking[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Have a good ‘un guys! [/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]xxx[/FONT]

HGBeast

I forgot to add that Ive got all my 2p's and 1ps bagged so that i can get rid of them all at the self check out till - the man behind me wasnt impressed that i was paying for the milk for work with all my 1ps and 2ps but it got rid of all the tut and i cant refunded from work (hopefully not in coppers) :rotfl:

mary_hinge

Back to it in 2014!

work day today so free tea, coffee, milk and biscuits! Took my porridge with me All meals from stores no shopping trips today and should be a NSD Pluck my eyebrows instead if paying to get them threaded £4 saving 3x20ps in savings pot 3 x £2 in my pamper pot from emptying out the purse! Check banking online Sort budget for February Clock mileage for work visits and do expenses Sort out a bag for cash4clothing Sign up to some overtime at work to go in the summer fund!

niksyg

Afternoon all!

mary hinge you reminded me I need to put in a mileage claim form for the job I have just left to make sure it goes in my final salary payment! Thank you :-)

- NSD today, only went out this morning to take dogs for a lovely sunny walk and get some free exercise but no need to go out again, enjoying the last few days of holiday before work starts again on Monday.
- unfortunately our garage roof hole has got MUCH worse and it completely flooded, so I spent a lot of this morning undertaking a bit of a rescue operation - this means I am going to have to get someone to come and fix it, which I can't really afford but it has to be done. Thankfully my neighbour has got a roofer friend who is going to come and look at it tomorrow, and apparently he shouldn't be too expensive.
- online banking checked
-ebay sale item checked, no bids yet but plenty of watchers and a few days left to go.
- greenmetropolis account checked, £7.50 in there which I will withdraw and use towards CC debt.
- BLD from stores, using up left overs.
- January meal plan to do today.
- booked cinema tickets for free thanks to clubcard for tmrw night - looking forward to a night out just me and OH.
- checked freepostcodelottery
- need to chase up a refund for a Christmas gift I ordered but never arrived.
- time to tackle the paperwork mountain in the spare room and file it away properly.

Have a lovely Thursday :-)

foxyloxy11

today I have done a weeks Tesco shop for £32! woohoo. :Tthis was using what was left in cupboards/freezer.Then just got Tesco credit card 0% for 29 months for balance transfers. I will save on interest from cards and earn Tesco points too.


I found a challenge £2014 for 2014 this morning but cant find it again.... can anyone help?:o

The_Green_Lady

DFW stuff I did today:-
1. Returned unwanted Christmas Presents - vouchers obtained
2. Picked up pre-ordered Euros from Thomas Cook - better deal
3. Found €50 in small notes and 1 and 2 euro pieces in a tin in the kitchen!!!!!! Fifty Euros. Just sitting there. Fifty!
4. Withdrew food budget for rest of month - bought some frozen protein items at Farm Foods. Didn't buy any chocolate or sweets!
5. Started a spending spreadsheet.
5. Started a DFW Diary
6. Reviewed finances.
7. Signed up to 50p challenge.
8. Went to town and did banking, paying all outstanding bills