Tuesday 09/09/08 - What DFW thing will you do today???

Candy0107

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.

Hi to any new posters and a big shout to the usual gang.

Today I have/will do

• woke up late this morning (hence the late post!!!)
• did not make breakfast or lunch, so will have to suvive on coffee and apples for breakfast and buy lunch - perhaps I can sweet talk my hubby!!!
• will continue to look for a cheap holiday
• try not to spend too much

Think that is about it, have a great day

Candy xxx

Yargo1

Morning Candy.

I am trying out today my Frozen sarnies..made sunday..after advice on another thread...will let you know how they go..fed up myself with not having time to make lunch - so now have a whole compartment full of ready made lunch!

Done piggy clicks..none there!!

going to go bank at lunch to pay chq in

Try not to spend ANY money

yukkibear

Morning all Today I want to get lots done

- check banking
- ironing
- clicks
- reviews
- do more of my course at least an hour
-sort dd's clothes out
- meet work for free buffet lunch
- have a nsd

Have a good one everyone.

OliveOyl_2

Morning All :hello:
Well I ate (and drank ) so much last night at a works do, that I'm not sure if I'll need to eat my packed lunch today I still feel full

So today I have/will:

• piggy clicks - beginning to call them pointless clicks I think they only turn up on Mondays.
• Quidco has tracked, I wasn't sure about this one, I bought annual travel insurance for me, and a single trip ins. for DD, through the same company a day later, and both have tracked :j
• brought in packed lunch
• am sending details of more of the same sort of stuff that one of my buyers is interested in. I've never listed these, so I don't think it is fee avoidance, but I think I can sell him a bundle more off e-bay.... I can't list anything as DD has taken the camera on holiday.
• I'll keep looking for mystery shops but there's another barren patch.

have a good day everybody

Piquant_2

Morning all

It's raining again!!

Today I have or will

• bought in to work breakfast and lunch
• checked online banking
• made a payment a day
• posted an ebay parcel
• start researching contents insurance ready for renewal at 1 November

loopyloulou_3

Morning all!

A dull and dismal day here in London!

Anyways today I will/have

- Do clicks
- Comps - at least 10
- Have a NSD - 4th in a row! Horrah!
- They had a do at work last nite and there was lots of fruit left, so have figs, bananas, apples, oranges, strawberries, dates and grapes! That's my lunch sorted!! Very healthy and free!!
- Get new mobile today, which comes with a free digital photoframe - which completes my xmas shopping - as I am going to give it to the rents for crimbo! Horrah! :snow_grin

princess_loki

morning all :wave:

woke up sneezing this morning - surely it can't be hayfever it is pouring with rain here!!

so went downstairs to be quiet - oh hates being woken up before alarm!

so far today i have:
- made loaf in bm
- put fruit in to soak for farmhouse tea loaf
- got haggis out of freezer and chopped veg for dinner tonight
- cleaned kitchen
- made oh's lunch
- used tumble dryer :eek: :eek: (still no heating and pouring with rain so no other option)
- filled out dvla form
- started filling out a form for oh

as oh has hopefully organised mate to look at boiler i am stuck at home at least for this morning so plans for the rest of the day are:
- check credit card online - done
- work out how to pay avon for first order - done!
- e-mail mum to remind her of avon deadline - done
- stamp some avon order forms
- do some more baking
- if it stops raining pick apples - still raining

oh no :eek: postman has just delivered letter from northern rock - looks like morgage will be going up by at least £150.00 a month in december :eek: :eek: :eek: :eek: - help :eek: . had better see if i can get hold of my morgage advisor to see what i can do............

plumber did not turn up but can't really complain as he is doing me a favour...

phoned northern rock - does not look good as to get fixed rate will have to do their transfer thingy to lloyds - which will mean they will credit score me... so that means i could be stuck on standard variable rate with nr until i get sorted out but how am i supposed to do that when paying an extra £150.00 out a month???

also been on phone to e-on and n power to try and sort out the mess that is my transfer of gas and electric!

but the good news is i am going for a job trial tomorrow!!! bonus is that if i want to i can work from home too but it is commision based so don't know how much i could earn..

also, so far have resisted going to shop for milk and used dried skimmed milk powder in my tea - not nice but no cost!


loki x

Essex-girl_2

Morning All

Today

• Will check online banking pay any bills due
• NSD hopefully or at least LSD
• Make bread again for kids lunches
• Sort out scary cupboard in kitchen & start using up stuff for kids afterschool snacks
• Have signed OH to quidco - make more money
• Work in office all day and clear to do list
• Dinner from menu plan again
• Go to library
• Piggy clicks
• Be positive

x

kalojac

Hi all :wave:

Feel a bit down in the dumps today, think its the weather, and a nasty letter, nevermind I got it sorted now.

• Having a NSD (my 1st of 8 planned for September:mad: )
• Checked online banking
• Made Twinks Hobnobs, my kids love them, should really make them twice a week it would save money
• Entered about 15 comps, will do more later on.
• Done 2 x 30 degree washes
• Washing out on line but not sure if it'll stay dry outside or not.
• Had a "trial school lunch" today with my middle son.
• My other son ate at his grandpa's whilst I was away.
• Having HM Lentil Soup and sandwiches (HM bread) and i've got the rest of the ingredients with me.
• Made my husband sandwiches and snacks from stores today.

Think that's it, may add later.

Have a great day everyone x

PercyPig

Hi everyone, I find this thread very inspiring so hope its okay for me to join in.

• Low spend day today - only need a pint of milk
• Charged mobile phone at work
• Walked to work and will walk home later - 35 minutes each way but saves me £1.80 a day in bus fares
• Am going to make an inventory of all the food in my larder as I am sure there is enough there to keep us going for at least a month
• Have emailed a company to see if they can replace the lock on a suitcase that cost me over £100 (pre LBM). I was going to throw it away but company have emailed back to say a new one is on its way free of charge - hurrah.

So not a bad day today.

Percy

Bagpuss741

Today I have/will

1. Checked online banking
2. Balance transferred more of my M&S balance to my new Tesco card.
3. Piggy Clicks
4. NSD
5. Contacted trading standards re: refund from capital one as company I was studying with went bust in April and cap one haven't even sent letter saying they are looking into it:mad:
6. Lightspeed surveys


Sophiesmum - Hugs to you and your family:A
Princess Loki - £150 a month extra seems a bit much:eek: