Monday 1/09/08 What small dfw things have you done today???

sophiesmum_2

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.

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.

Today I have/will:

• checked online banking
• clicks
• storecupboard meals
• made a loaf in breadmaker
• Picked veggies from garden
• Swim and jacuzzi to use gym membership
• Shred paperwork and add to compost bin
• Print off one of the 50% off pizza hut vouchers as DD is going with friends.

Have a good day everyone, soon come around to Monday again:rolleyes: . Brother is being sent home from hospital today so no more 50 mile round trips and car parking charges:D. We will be caring for him at home instead.

peb

Morning SophiesMum...

I did my prep last night and have my packed lunch in the fridge (work) and tomorrows in the fridge at home. I made soup so that is two/three nights evening meals organised.

This is the last week of my 6 week special membership so will be going swimming tonight and as much as possible for the rest of the week.

Have a good day everyone.

Piquant_2

Morning Sophiesmum and Peb

Hope you had good weekends

Today I have/will

check online banking and visa
homemade lunch and breakfast to work
post two Amazon sales
make a payment a day to visa
prepare tomorrow nights dinner for the slow cooker

Piq x

mbaz

Morning all today I have

- phoned and queried two items on bank statement that didnt think were mine...turned out they were oops!
- chased espares for refund.
- Done spreadsheet for month. Not good £148 shortfall. Thanks to fab ppl on Oldstyle shortfall is now £126.93 - hoping to make this on ebay - 5p listing. Managed to cash in some quidco so shortfall now down to £86. Should be able to scrape that together I think.

- Phoned a few people who may be able to carshare with hubbie. Looks hopeful

and I will
- having a pj day so shoukd be first NSD of Sept - good start! still in PJs at 345pm!! Will have to get dressed soon though as working tonight. Will take a sarnie and a piece of cake I made so I dont get tempted by vending machines!
- phone new job to confirm start date all done
- do daily clicks and surveys no surveys about to do clicks
- check for mystery shops done 2 more selected
- Hunt high and low for things to sell on ebay to cover shortfall My dolls house is going. Tons of old toys in garage and lots of kiddie clothes. Will list on thurs as is 5p listing day
- Keep my fingers crossed that old landlady responds to the letter I sent last week asking for at least some of our deposit back...I'm not hopeful! No letter (or cheque!) today. Post been.

Have a good day all

Mx

claireabelle_2

morning everyone
good news about your brother sophiesmum :A
today i have

• checked banking and updated spreadsheet, including £60 bonus for OH from the taxman this month not for me though
• checked pigsback but clicks don't seem to be on there yet
• checked british gas for balances - can't cancel til we move out on sunday but we have positive balances on both, yay
• brought in breakfast and lunch
• paid £640 off loans and the minimum £10 off a 0% card :T

can't believe it's september already!!
have a good day all - hope it sets the tone for a great month

Claire

princess_loki

morning all!!

hope everyone had a good weekend

we had an interesting time... OH bought me a breadmaker which didn't work so took it back:mad: . bought two dvd's from mr t's and they didnt take security thing out so couldn't watch them :eek: . apart from that 'no more balls' day went fine on friday but now the young man seems a little confused because he knows he is missing something but doesn't know what!!!

have given up feeding cats pouches as they dont seem to finish them - now on dried food and half a pouch each in the evening:T

had a scary maggoty time last night!!! due to chucking cat food in black bin we had an invasion of maggots:eek: :eek: . they were all trying to get into the house! had to hoover them up with the wet and dry hoover and then put washing powder all around the door to stop them getting in:eek: :eek:

so... todays plans are:
- investigate quidco for new breadmaker - done!
- dinner is leftover chicken from yesterday - got 9p reduced wraps out of freezer and will use up salad and half price coleslaw
- pudding is apple (from apple tree) crumble (my first attempt yesterday and was yummy:T )
- go out and collect avon catalogues - fingers crossed for some orders! - got three orders all over £7!!! more to collect tonight when i go 'door knocking!'
- OH has gone to visit children so he will have lunch there
- write complaint to mr t's as had to go back with dvds therefore wasting petrol :mad: - forgot to post but have put with avon stuff as will go past postbox later
- night in with film now mr't's have taken security tag off

hope everyone has a good day!

loki x

bathgatebuyer

A few things for me:

• paid in some cash at my branch to try and make sure that the 3 direct debits I have going out today can be met (I was £3.50 short after the bank took it's account charge)
• transferred £60 from Paypal to my current account (which will then go into my savings account as next month will be a toughie!).

Will check Pigsback later..............

TigerLily7

Today I have/will:

1. Check online banking
2. Transfer money into ISA
3. Daily clicks
4. Post an item on ebay
5. Do all searches via my search funds
6. Pay rent ( boo! )
7. Organise finances for September
8. Eat some crisps on the way home :T

I am extremely impressed with myself, today is the official start of the year for me, a year today I move to Paris!!!

jo1981_2

Hope you don't mind, I'm going to start listing here too, think it will keep me focussed!!
From today onwards I'm making so much more of an effort than I have been, and hopefully it will start to pay off in a couple of months as I've been so naughty and it's caught up with me!!!
Today I:
* got the bus to work as opposed to tube which saves me £15/week
* Having cereal that I bought last week for breakfast and lunch so not spending any money on food (hopefully will pay off in more ways than just money saving)!
* two items sold on ebay yesterday so thats an extra fiver or so, know it's not much but I guess it all helps!!! need to buy some brown paper for wrapping items but that won't cost me much!

Jo

bella2121

Hello everyone today I am feeling a bit down in the dumps so deffo wont be going anywhere thus not spending any money :j

Am not doing anything strenuous (sp) today either

I'm going to

• wait for email from eagerleaner the guide to daily clicks, then i can get started on this.
• Lots of comps
• Have already done pigsback clicks
• quickly tidy the house
• send another email chasing interview for new job (already been told i have and interview and would get an email telling me the date and time this was 19th august, not recieved anything yet :eek: )
• eating from freezer

Well i think thats pretty much it, feeling poorly as well got stomach and back ache hopefully things will pick up before have to go to work tonight

Have a nice day everyone

Pippilongstocking

Hello all
Late again, whoops

Today I have/will -

Charged phone at work
Charging laptop at work (literal leap here, thought use both for work so why not charge them at work?) seems fair (ahem)
Home lunch
Home made pasta sauce for tea
Check bank (be glad when BB back on at home)
Empty polytunnel at old house
take work car with dogs to field, free petrol

gave bill in for second before work job (looking at moo moo's) and it was £432 woo hoo - have fun today, goodluck to all and great news Sophies mum!

Bye