Tuesday 15th September - what small DFW things will you do today?

lego_mum

As the thread title suggests this thread is for tracking the small but important actions we take every day to keep on top of the pennies and reduce the debt.
When we start our debt free journey we focus on the big things. Cutting up the credit cards. Cancelling expensive memberships. But along the way it is just as important to focus on small things that are done each day but build up to help us on the way. Examples -taking cash to the supermarket, making a shopping list,buying YS food, walking instead of driving short journies.
Good luck with your small things today

ziggy2407

When we start out on the DFW 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!

So be proud of those small steps, they really important!:money:

lego_mum

Morning all, Hope you don't mind me starting the thread (I'm hoping that I've not doubled up!)
I'm looking forward to today as I have a monthly catchup & coffee with a friend after the gym done and using 02 priorities I ordered a slice of cake and got a free coffee so paid £1.90 the coffee would have been £2.35 at least and I have come home with the cake so that the boys can share it after their tea rather then undoing all my hard work at the gym So not a huge list from me today

:starmod: Check banks/update spreadsheet done
:starmod: Check Fpl
:starmod: Check luckyphone done
:starmod: Delete junk from emails done
:starmod: All meals from stores (see if I need to cancel tomorrows planned delivery & make do)
:starmod: Swagbucks
:starmod: Keep an eye out for surveys
:starmod: Hoover carpets
:starmod: Rm survey
:starmod: Check tcb/quidco done & put a claim in for missing cb
:starmod: Clean & tidy fridge (make sure we don’t waste anything)
:starmod: Watch catchup tv whilst ironing
:starmod: Tidy at least one cupboard
:starmod: Use something out of the food use up box
:starmod: Check 02 priorities done
:starmod: Gather together items for the cs
:starmod: Walk at least 7000 steps to get bounts points done
:starmod: Go to the gym for a class (saving £15 that I would have spent on a pt session) Planning on 5 this week done, class 2/5 done, can't believe I paid so much for the PT over the last year!!
:starmod: Print off free pizza voucher & my sisters
:starmod: Fill water bottle at the gym done
:starmod: Shower/dry hair at the gym, save my water & electricity! done
:starmod: Wash a load at 30 degrees done & hung on airers as weather is awful
:starmod: [STRIKE]Hang washing on the line if dry
[/STRIKE]:starmod: [STRIKE]Walk the boys to & from the bus stop[/STRIKE]weather was awful and I don't want them sitting all morning in wet unifrom

Bobarella

Morning All

Thanks to Ziggy and Lego Mum for having the same great minds approach this morning

It's another horrible grey day here. I'm just hoping we don't get the terrible rain fall again as that completely killed trade yesterday. I banked £50.

DH and I having serious chats about the future of the business. I have to keep going until the rent break comes in November for 2 months but things just aren't stacking up. I am finding it so hard to seperate the feeling of failure, from the amount of work I'm putting in.
Anyway that's not very cheery. But it's where I'm at.

Have a good one all who follow.

Bob

determined_new_ms

Bob that's so sad. Hope you guys find a way through this soon x

Thanks to lego mum & ziggy for starting the thread! lego mum how can you say that's a small list???!

Quick post for me. Am determined not to spend the whole day online!

Small things for the day:

* NSD
* check banking
* onepoll
* check ms pages for any new assignments
* finally photo & write up items to list on fleabay
* all meals from stores
* hm soup for lunch
* finish my book - think I have 17% left of it. Has taken me a while to really get into it but want to finish it now
* might be brave and call the company I had an interview with and find out the outcome! Pretty much have worked it out but the least they can do is tell me!
* write 2 letters of complaint
* Might get the sewing machine out later...
* do some form of exercise

Ok that's my lot for the day! Have a great day everyone x

lego_mum

Bob, really sorry to hear that, hopefully the weather will change & help your situation, is the best time for business, cold but dry?
Dnms, lol well its not quite as long as usual and most of the tasks take very little time, its just that I find if I write them all down, I get far more done in the day!
Ziggy, I felt like I was doubling up on the post!! spooky!
Have a good day all

Olliegami

Morning (Afternoon) Everyone!

It's been a massive success just getting out of bed at 10.30am! I even ate a really healthy and mostly for free. Avocado, Potatoes, Mushrooms and a Leek. Found most of the on the 'free' shelf here in the hostel, along side some other goodies today as they cleaned out the shelves. =D

I still have so much to do. :x

- Cl!xsense
- G!ftHulk Guess the Card. Got RadioLoyalty ticking away in the background
- Buxvert!se
- Sort what I want to bring home with me. This is gonna be hard. Not sure if I should try and post some stuff back home??
- Advertise books that I've got to sell
- Finish reading current book
- Re-organise my bookmarks to try and group together all the daily check websites!
- Check FLP & LuckyPhone

Bob, I hope things pick up for you. Sounds pretty tough at the moment. If there's anything we can do to help, speak up!

Lego, Hope you enjoy your day, and your coffee. =D

DNM, who are you complaining to!? I need to write more complaint letters. I keep so quiet about things.

determined_new_ms

Olliegami wrote: »

DNM, who are you complaining to!? I need to write more complaint letters. I keep so quiet about things.

One is an ongoing saga with First Utility & the other is to Sentinal re the ins policy which is refunding people from 2005 sadly I had the policy 2002-4 so fall outside of the scheme. I've been posting it daily for ages now so have abbreviated so regular posters know what it means! :rotfl:

Olliegami

Aaaah! Interesting. Sounds like they're really long-winded things which sucks, not just 'you did this and I'm annoyed about it'.

Good luck getting those written up.

ziggy2407

Good Morning All

Legomum - Thanks for starting us off today
Bob - massive hugs, you will never be a failure

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.

Weather is grim here today, lots of rain and very overcast, so it'll be a quiet day again for me. Today's little list:

Packed lunch for DH & DS - Done
Bump listings/stuff for sale - Done
Bank (me & DS) - Done
Trade in xbox games for DS - £40 - well worth it
Meet freegler - postponed
Continue purge on Emails -
Surveys -
Check Banks - Done
Enter a few comps -
All meals from cupboards/fridge/freezer -
Read library book -
Check https://www.freepostcodelottery.com - Remember there are now 5 chances to win -
Check Lucky Phone - Done

Have a great day, love to you all

C x

Pippilongstocking

Listypoos. Thanks Lego's Mum for starting us off.

Banks - done
CC paid - yay
Washing to air dry
Charge phone at work, I use it there so why not
HM lunches, DH has his I need to make mine
HM tea - fish out for curry
Walk the mutts later probably local save on petrol
Post a couple bits, should have enough stamps saves trip to PO
Chop up MORE courgettes
Collect eggs
A bit of fly lady - declutter some stuff
Finish sorting the dvds - we have loads and loads of doubles
Working 6 hours garden today and a meeting after so 7 hours paid all good.
Transfer money to the kids for uni
Skype with both.
Do a fridge audit and freeze anything that might expire soon like a vapish diva
Wipe out the big freezer, how many days have I said that?

Right that's me, have a good one and hope something makes you smile today!

And there's a smiley here -