Monday 28th April - 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 Been up for an hour, so need to get myself dressed & ready and start work soon. Have (as always!) loads to do so starting at 7.30 (ish) to try to squeeze some extra time in. Quite proud of myself workwise, as after a week of being back I am snowed under, got an email from my boss saying I need to get some tasks done by today. So I emailed her back & asked her to go through my workload with me when we meet up tomorrow and decide what she wants me to focus on. I am not going to run myself into the ground again like I was before going on holiday!

Also found out at the end of last week that in the restructure no one has been appointed to my job, so it is open to me (and others!) to express an interest. Should now find out in the next couple of weeks if I have a job...

Weekend was glorious! :j Just pottered around and relaxed. Was great to have some down time

Back on the horse today then guys, hope you're all raring to go

Things for today:

* get ready & work from home this morning, possibly all day but that depends on whether my boss wants me to cancel the meeting I have this afternoon and focus on the task she wants me to do
* all meals from stores - lunch is hm veg & barley soup using YS 19p pack of soup vegetables
* get chicken breasts out of freezer for dinner
* hang washing on line
* hopefully bid & win vacuum cleaner am watching on ebay - dd broke ours
* do car checks - didn't do at weekend
* check onepoll
* call Tesco ISA, close it down & transfer to Santander 123 account (better interest rate!)
* call & switch 2 dds to above account
* remind oh to send off refund for taxi back from airport
* chop up & freezer YS peppers
* plant strawberry plants
* finish book - have loved the book I have been reading Never let me go by Kazuo Ishiguro. Lovely but dark! Happy to email it to anyone's kindle if you want it? PM me your addy if you want me to send

Ok that'll do for today! Have a great day x

ziggy2407

Good Morning All

DNMS - Thanks for starting us off
Foxgloves - Happy Birthday :bdaycake:, wishing you a wonderful day

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.

No physio today as have a stonking cold and have been advised not to go so today's little list:

Check Banks - Done
Check swapits - Done
Packed lunch for DH & DS - Done
Washing & Line Dry - Done (basket is empty!!)
Meals from cupboards/freezer - Done
Catch up on emails (& unsubscribe from any no longer wanted) - Will be a WIP for a while as have so many coming through every day so am going to make it a regular job
Catch up on Adpoints - 65 points today
Look at surveys in inbox -
Few comps - Done a few
Read library book (Gone Girl) - In progress & struggling with it
Check www.freepostcodelottery.com - Done
Update here - yaay

Have a great day, love you all xx

C xx

xJOJOx_2

Morning everyone

Today's list

Chicken stew in pot for tea
Quick tidy round and Hoover
Catch up on ironing
At least one thing on eBay
Return wrong coffee for machine and swap
Check one poll
Check emails
£50 set aside for bills
£2 in tips for the pot

That's all for now x

yorpington

Hi all,

Haven't been around as much but have stayed on the DFW train! Paid off a credit card this morning which feels amazing, and for the first time ever we also have a tiny emergency fund. We hope to eventually get it up to £1000. Feels awesome!

I bought a Two Together Railcard using the 10% off code which will save us a lot in rail fees. I've also handmade every present I've given over the last few weeks.

hydrangea_2

yorpington wrote: »

Hi all,

Haven't been around as much but have stayed on the DFW train! Paid off a credit card this morning which feels amazing, and for the first time ever we also have a tiny emergency fund. We hope to eventually get it up to £1000. Feels awesome!

I bought a Two Together Railcard using the 10% off code which will save us a lot in rail fees. I've also handmade every present I've given over the last few weeks.

Well done! That must feel good. May I ask where you spotted 10% off the rail card? I've been meaning to get one!

lilian1977

Hi all

Pay day today so have gone through my complicated spreadsheet and paid everything that needs paying to CC and savings. Buzz word for May will be PICNICS!

So, my things for today:

1. Check online banking - done
2. Pay CC - done
3. Check Quidco - nothing
4. Freepostcodelottery, BirthdayBingo, Inbox Pounds - done
5. Nip to Aldi for salad bits for lunch for the rest of the week
6. Out tonight so research cheap meal options - 2 for 1 at Prezzo seems best deal
7. B, L and snacks from stores
8. Arrange cheap playdate for Friday
9. List wombled McDonalds stickers - think it finishes tomorrow so hope they sell
10. Post niece's present (poundshop Peppa colouring pack and 29p card from Card Factory) using RM survey stamps and work envelope.
11. Return library book and collect new one (free reservation).

I think that's everything. Have happy DFW days all! x

ShootForTheMoon

Afternoon Gang!!

Thanks for the starter DNMS!

Of course, I'd also love to echo Ziggy's birthday wishes to our darling Foxgloves!! xxx Hope you had a perfect weekend away and have been deservedly spoilt by Mr F!! xxx


So, it's my first day off today - got a little list to get me started:

Worked 4 hours OT last night, sent e-mail to boss to claim.

PAYDAY!!! Make online transfers and tweak budgets for the month

Pay first deposit into TSB+ account - want to have £2k in there earning 5% as soon as possible!

Nectar Adpoints

Train for free at work's gym

Clean car inside and out at work's garage

Washing on economy and hang out to dry

Tidy house and put hoover round

Check allotment is all ok - do a little weeding & prepare beds for planting next weekend

Make healthy dinner from stores for OH when she gets home to make up for not being home last night

Go for a walk this evening if weather holds


Ok, think that's about it for now - hope everyone has a great day!

Love, Shoot x

little_pink_purse

thanks for starting us DNMS

hope your cold goes soon ziggy

happy birthday foxy

so the list today

check banking
meals from stores
wash on
I must to a menu for the week
start time sheet

hope your having a good day xxx

foxgloves

Thanks for birthday wishes. Am having a fab day. Have been thoroughly spoiled by Mr f & have received some lovely gifts. Got down for breakfast today to find a birthday cake complete with candles which B&B owner had baked for me. How kind was that?! Haven't been TOO spendy, but I have treated myself to a rather lovely top.....think it was getting those sexy boots as a present which set me off :-) Pub next, then home tomorrow to pick up my mse ways where they left off. Love to all, f xx

headoutthesand

Evening all

Today I:

Checked online banking
Filled in new DD form for credit union
Took 2 new books out library for train journey this week and next
Sold some stuff on gumtree - £20 to me
Checked phone data usage - still within allowance
Made kids packed lunches
Dinner from freezer
Got a lift to town rather than using my own car
Posted 2 wedding RSVP in same envelope to save on stamps
Gave 30 days notice on gym membership


Lastly and not so mse but slightly money saving....
Got a discount on Botox treatment. I had a consultation today and Made an appointment but I'm now In 2 minds about going for it :huh:

ziggy2407

ziggy2407 wrote: »

Good Morning All

DNMS - Thanks for starting us off
Foxgloves - Happy Birthday :bdaycake:, wishing you a wonderful day

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.

No physio today as have a stonking cold and have been advised not to go so today's little list:

Check Banks - Done
Check swapits - Done
Packed lunch for DH & DS - Done
Washing & Line Dry - Done (basket is empty!!)
Meals from cupboards/freezer - Done
Catch up on emails (& unsubscribe from any no longer wanted) - Will be a WIP for a while as have so many coming through every day so am going to make it a regular job
Catch up on Adpoints - 65 points today
Look at surveys in inbox -
Few comps - Done a few
Read library book (Gone Girl) - In progress & struggling with it
Check www.freepostcodelottery.com - Done
Update here - yaay

Have a great day, love you all xx

C xx

Also managed to

check Mcdonalds monopoly bits found - no winners (but thanks lilian for the reminder)
jazz up a few jars for Spring Fayre (to be filled with sweets - Dad's stash with vinyl moustaches)

Hoping to get a docs appointment tomorrow, just to check things are ok as am getting a fair bit of pain in my lower leg (not muscle) and have shocking earache and sore throat too