Wednesday 25th June - 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: quick coffee & post before I go and finish getting ready, have to leave at 7.30 :eek:

DFW things for today:

* checked banking - pay day :j had a mare yesterday when the woman in HR (who since I lost my job is being such a thorn in my side) told payroll that I owed the company 4 days annual leave. It was only because I called payroll about something else I found this out and was able to prevent it from happening :mad:
* will sort out budget & shift funds this evening
* take flask of coffee with me on a long drive (260 miles round trip) so I'm not tempted to buy anything
* pack up dgd's bag & leave on side for oh to drop off
* transfer buggy from my car to oh's
* check water, oil & tyres
* get petrol using cashback card
* dinner will be lo shepherd's pie
* change energy suppliers
* also change BB supplier - I think tomorrow is the last day for the offer?
* read Martin's newsletter
* decorating tonight
* email friend about arranging a skype session
* grab a couple of bits from SM, write a list & stick to it

Ok I better get a move on! Happy hump day x

mooomin

Morning

Thanks for starting us off DNM ♥

Today I will:

Walk four miles
Free lunch from yesterday
Dinner from the freezer
Adpoints
Surveys
Buy milk, bananas and NOTHING ELSE at the supermarket
Remember to check for offers on shopping apps before I go
Charge phone and Kindle at work
Try and get more free food as we have events on all week at work!

xcarlyx

Morning all.

Today I will take my phone charger to work to charge my phone
Have a no spend day

foxgloves

Morning Campers,
Today's positive small money things will be:
*Save energy by switching off iron for last couple of garments (have a seriously massive ironing pile - boooo!)
*Make bread rolls.
*Make spicy mexican-style pizza (rubber chicken)
*Make stew (rubber chicken, stock I made yesterday & leftover gravy)
*Water & feed veggies which need it.
*Sow more seeds - two types of lettuce, radishes, watercress. (Also pansies for winter containers - free seeds)
*Weed spare raised bed ready for transplanting baby leeks.
*Sort out Avon order. Am going to try one of their moisturisers as on offer £5, instead of the £16 I pay for my usual brand. Worth a try for that saving.
*Quick check of online banking to make sure no nasty surprises waiting.
*Catch up with surveys as v behind with these & want to keep those vouchers coming!
*Take dried herb bunches down from kitchen ceiling & crumble into jars.
*Keep self entertained with free audio book.
*Finish knitting Dad's sock for present box. Didn't finish it last night as planned as watched gripping programme which needed my full attention.
OK, that's my list. Better get on with it. Keep your hands on your pennies, everyone!
F x

mumofthetwins

morning guys ...

todays list :

workout
online banking/vsp
make boys packed lunches - im of work today to can lunch at home (if I get time)
call BG regarding changing meters
post/package ebay stuff
just joined swagbucks so try to find more out about this
dinner from the store - already deforsting for tonight
hang washing on the line.
go and sort out the new site for the carboot sale I run ... we are having to move for a couple of weeks.

oh and pay Council Tax
sort out Julys GC as was thr start on Monday but haven't spent anything ... yet

think that's it ... well better get started !!
have a fab one guys ....

lisa

MinnieMousesMummy

Good morning everyone, Well looks like I have been struck with this summer flu bug that is going round, feeling ill today.

DNMS - Thanks for starting the thread off this morning.

My list for today
Catch up with paperworkDONE
Spend an hour looking for freelance workDONE
Do freelance work that is in for todayDONE
Do ironing for client 1DONE
Read Martins email - take up any useful special offersDONE
Do ironing for client 2
All meals from stores
Do some course work
Check the freebies forum and claim anything usefulDONE
Do some laundry
Get dh to take car for its motDONE, But it failed so will need to get some minor repairs carried out.
Check bank and move money to cover motDONE
Update client work records (don't want to forget anything when I invoice next week)
Get some rest
Sort Avon paperwork and get books ready for going out
Schedule Avon work in diary
Catch up with surveys - update spreadsheet for recording income and claim anything due
Try to remember password for swagbucks and start using the site again
Make a list of mony owed and where

I think that is everything that I need to get done today, I best make a start. Hope everyone has a good Wednesday x

solvencyseeker

Hello all,


What a difference 24 hours can make. Thought I was off to Brighton to look at student rooms with son2 this weekend but he has managed to get day shifts starting Saturday (has been working weekend evenings/nights in a pub and it's not nice - dealing with drunken aggressive idiots). So I cancelled the viewing we had arranged and then we got a letter saying his course has been cancelled. Thank goodness it happened BEFORE we had forked out a small fortune on the deposit for his accommodation. Need to put this to one side as otherwise will be tempted to spend it


Got home yesterday to find that son1 had put a tagine type stew in the slow cooker - having bought all the ingredients himself (he saw the price of lamb and substituted stewing beef) so we've got that for tonight - yummy.


Otherwise I have/will:


- walk dogs before and after work
- work! very busy at the mo
- small shop (milk etc.) and stick to the list
- got free coffee at break-time - always available but I've been a bit slow taking it up
- breakfast at home and packed lunch


I still haven't done anything with the chicken carcass that I cooked Saturday. It has been in the fridge since. What do you reckon folks - is it safe to make stock with?


And I have finally remembered to update my signature :T


Have a good day all x

georgiebrown0

Afternoon everyone

Lots to do today and squeeze work in

My to do list:

Send Ebay parcel
Put some diesel in the car
list some more items on ebay - having a good clear out
make dinner from store
clean the house and bin any rubbish
Aim to sort 1 pile of paperwork

Have a fab day everyone x

ShootForTheMoon

Alright gang?!

Hope everyone is well today! Thanks for the starter DNMS!
Back to work today... The less said about that the better at the moment!! On the plus side, it's been fairly productive!

Bribed maintainance boys to valet my car with the work cars in exchange for 6 welshcakes.... (HM by mother!) bargain!

Managed to print off some stuff required for upcoming city break on work's printer

Cleared a whopping pile if paperwork that built up from nights last weekend

Got accepted for a bit more OT for Glasto!

Start ironing pile - OH had meltdown this morning about housework... Is it bad I just can't see when stuff needs doing?! Bit of a man when it comes to stuff like that!

Dark wash on and out to dry in the sun!

Check banking

Nectar Adpoints

Polish work boots

Pop up allotment - weed, water and pick latest veg for dinner

Cook dinner - courgette veggie bake with gammon steak! Yum!

Home pamper session - eyebrows, face mask, nails etc

Early night!! Here's hoping!


Happy Wednesday gang! Catch up tomorrow!

Shoot x

Bagpuss741

Today I have:

1. Checked online banking
2. NSD
3. Surveys
4. Nectar Adpoints
5. Free Postcode lottery
6. Made chocolate brownie cookies