Wednesday 4/3/09 What small dfw things have you done today???

:DWhen 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 charging your phone up at work instead of at home to save your electricity, 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 are important.:D

Today i will:
  • check online banking -
  • update spreadsheets
  • move some money to savings
  • make a loaf in breadmaker
  • storecupboard lunch and tea
  • laundry hokey cokey for OH
  • ironing for me
  • reduce, reuse,recycle one thing
  • swim and jacuzzi to use gym membership
  • aim for no spend day
  • clean one room so no housework at weekend
  • plant some more seeds
  • sparkle a lot HSstars.gif
  • use lots of smilies to cheer me up:D
  • try not to murder any decorators/painters

Good morning lovely dfw'sjumping0044.gif, Hi to all the regular postersHShearts.gif and welcome to any newbies welcome2.gif.

Sending lovely hugs to any poorly or fed up people, hope you feel better soon.
Will be like a displaced person today at work - have my line manager coming for an appraisal and don't even have an office to use thanks to the redecorating. Should be fun climbing over the stacks of filing cabinets etc to find things she asks for:eek: Can't wait until the decorators have fnished this scheme 6 weeks of it so far and still more to come:eek: :eek:

Catch you all later xxx


Reduce,re-use, recycle.






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Comments

  • Candy0107
    Candy0107 Posts: 1,642
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    Hi,

    Thanks for posting this so early - it means I can list my things before I start work. Today I have/will.....

    Investigated how much JSA is and looked into courses that I could use to get a better job

    Registered with another agency

    Received a failure email for an email I sent on Friday which contained my CV :mad: - I have now re-sent it, and will call up later to make sure that it got delivered

    Woke up at 3am worrying about not having a job :eek:

    Made a plan of action for Monday (this involves.....a lie in :D going to town to sign on :rolleyes: :eek: :mad: and going for a swim to use gym membership as I can not use the gym due to injury :rolleyes: )

    Talk hubby into buying lunch (I know I was up at 3, but I have not made lunch...how lazy am I?)

    Get hubby to drop me off in town and wait for me while I pick up the textbook that I ordered (it will be returned as I got a free one from college last night!)

    Have an early night

    Have a great day everyone,

    Candy xxx
    Debts at the start of my journey - about £23,000 lightbulb moment 01.03.2007 (1st payment to CCCS)..Debt Free Date 25.06.2013 Deposit savings £17,000/£30,000
  • pixiechick99
    pixiechick99 Posts: 3,712
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    Morning!
    Not feeling wonderful, the Crohn's is really playing me up so didn't sleep wonderfully well:o Off to work though, can always come back if it's too sore later, but got youngest's parent's eve so want to stay (I work in same school as her!)
    Anyway brief list....
    • check banking....ok
    • transfer Quidco and Amazon money to savings account
    • NSD
    • Dinner from meal planner
    • Heating off if poss...or on for a little bit tonight!
    Urgh that's all I can be bothered to do today;)
    Have a good day everyone:D
    I really need to sort out a new signature!
  • sarahb123_3
    sarahb123_3 Posts: 2,767 Forumite
    Ooh, I'm near the beginning today:D

    Today I have/will:
    • coins in piggy
    • check pigsback/quidco
    • take flask to avoid vending machine
    • use vouchers when food shopping
    • check online banking
    • read papers online
    • carry on with get it done list
    Think that's all, hope everyone has a good day x
    Pay/save £20k in 2010 £5888.75/£20,000
    June Mini target 0/5lbs Total 23/40
    Ebay profit 2010: March £207:) April £95:) May £130:) June £0 Total £432:j
  • HannaB
    HannaB Posts: 345 Forumite
    Morning all,

    I can't believe I had to scrape ice off my car this morning. It's Spring for goodness sake! (Ever the optimist!):D

    I checked my online bank this morning. While transferring money into my ISA (with another bank), I accidently typed in £410 instead of £140 and hit confirm TWICE without realising!!:eek: I'm nearly at my limit for the year, so (hopefully) £300 should bounce back within a couple of days, otherwise it'll be a blimmin' tight month.

    Never do your online banking when you're half asleep. I'm off to get some strong coffee before I slip up again and apply for a loan or a mortgage. Lol!

    x
    Please continue to hold the line. Your call is very important to us and will be answered by next available robot...
  • my_mess
    my_mess Posts: 282 Forumite
    Today for me ......

    done free scratchies (2 x 10p)
    checked online banking - all fine
    checked credit cards online - fine
    paid £11 to credit card
    checked for any interesting freebies
    will pack up the book sold on Amazon
    collect son's Xbox (!) from post office
    take son to hospital
    make slow cooker pork casserole for tea
    complete spending diary
    try and get some stitching done
    check up on the few things i have for sale on ebay
    dry washing on airer
    fix up the composting bin that i have been given - YAY !

    That's all folks !

    Have a good day :)
    Aiming to be debt-free, and have my degree, by 50 ! :j
  • Pippilongstocking
    Pippilongstocking Posts: 16,336 Forumite
    wow
    busy today -or I am just late

    just taken delivery of my new lawn mower - not really that exciting but the reaosn why I am late.

    Today
    Check bank I should have been paid woo hoo
    Pay rent
    Move DD's if I get a mo - if not then will move them later in week
    Lasagne made for tea make garlic bread later
    Lodger room done
    More seeds to soak on windowsill
    Dogs in car to walk at lunch
    Brekki at desk
    Work hard
    Library if I get a mo (prob not today)
    DS laundry needs hanging up
    Chookie fed later on
    Replace bird seed

    thats it for me today - will check in later on xx
    Total debt 26/4/18 <£1925 we were getting there. :beer:
    Total debt as of 28/4/19 £7867.38:eek:
    minus 112.06 = £7755.32:money:
    :money:Sleeves up folks.:money:
  • OliveOyl_2
    OliveOyl_2 Posts: 3,506 Forumite
    Morning All :hello: Thanks SM :A

    Feeling a bit pants today - the grey woolly socks are back and match my mood :o
    But today I have/will:
    • been to the gym to use my membership, and their hot water & soap :D
    • brought in lunch - I made a sort of pies/pasty following a Jamie Oliver recipe I'd "remembered" from the magazine I'd read at the hairdressers....it's not very nice :o so I'm not inflicting it on the lodger, and it'll be lunch for the next week :rotfl:
    • will cancel Audible :mad: to forgetting
    • will chase up Popeyes money which was paid by BACS instead of CHAPS - hopefully they'll bear the cost of the charges I'm about to get.
    • scratch'n'click
    And I'll try not to be so grumpy :o
    But I'm missing Popeye and things keep going wrong (DS1 left the back gate unlocked and now it has been damaged in the wind etc etc etc)
  • BusPass_2
    BusPass_2 Posts: 315 Forumite
    Folks

    Back on today after a break for holidays and extreme work commitments.

    I enjoyed a break away courtesy of Ryanair but only because I had to tread a long hard road to get debt free and arrive at the situation where we can afford breaks.

    Visiting this thread makes me repeat daily the mantra that I am not going to slip into debt and I am going to take care of all things financial EVERY day.

    Rant over.

    Today I will

    Check online bank and savings balances.
    I am travelling by bus to save over £10 on fuel. Bus Pass gives me free travel
    Claim fuel expenses for February ( around £60)
    Made sandwiches for lunch. I have as a treat, sweets gathered for free at the Cologne Carneval procession.
    No spend day.
    No newspaper purchase. I can read them free online.
    Have a walk at lunchtime and do some window shopping.
    Make soup tonight.
    Reclaim £67 overpaid to BT on Direct Debit. ( I recently cancelled home broadband because I don't need it since local library is so convenient)
    All in all a day I am feeling good about things.

    Hope you all write down the positives and keep going.
  • urg123
    urg123 Posts: 1,997
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    Morning all,

    Went to see a my co-mentor (we mentor each other) and have come up with some plans of action for the next few months to help us both get out of our job ruts!

    Milly - sorry to hear your Chrons is playing up. My cousin has something similar and I know how hard it can be.
    Candy - sorry to hear you were up so early.


    Not too much DFW stuff today but here is my list:
    • Send co-mentor links as promised
    • Brought snacks but need to buy lunch at work (I get to enjoy the time with my colleagues too!)
    • Call insurance broker to ask questions
    • Decide on a policy and confirm
    • Call best friend and enjoy free minutes
    • Final reading of chapter
    • Collate presentation for course
    • List 5 books on Amazon
    I might come back and add more later.

    urg x x

    p.s. look at my signature. I hit 25% of my CC debt WOO HOO
  • lilly81
    lilly81 Posts: 623
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    Morning guys,

    Today I have/will:
    *check online banking-quidco £6 has gone in :j
    *update spreadsheet
    *do 2 mystery shops, one involves a food shop :money:
    *check for onlne surveys
    *daily scratchcard- 10p :cool:
    *store cupboard lunch + dinner

    Candy- its pants losing your job, but keep looking, have u thought about mystery shops to boast ur income??

    I have a meeting today at DS school, they have threatened to exclude him- hes 6 years old :mad:

    Have a good day everyone
    Lilly X
    Debt free date 23rd march 2009 🥳Autism is my super power 🏳️🌈 🌈✨
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