Monday 29/09/2008 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.

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


Today I will:

• Check online banking
• see if any clicks
• storecupboard tea and lunch with my oldies at work
• make a loaf in breadmaker
• Go for swim and jacuzzi to use gym membership

Miserable and grey Monday morning here:rolleyes: , oh well never mind.
Hope you all enjoyed your weekend, welcome back to a few old faces, who seem to have appeared over the last few days:D .
Have a good day everyone, catch up with you later.:D

andan

Morning all, hope were all having a good start to the week. I had a very productive day yesterday, so although it won't be as hectic as yesterday, i am hoping to continue the theme!!

So today i have/will:
-I have sorted through my emails
-I have heard back from a volunteer place and i can do my training with them for a counselling placement, its not till beginning of 09, but its better than nothing.
-I have placed a matched bet
-I have taken clothes off raidiators and put the next lot on to dry, if i am forced to have the heating on, i'll make sure i make the most of it!!
-Am off to college shortly to do my nvq, whilst work pay for me to be there and i get a qualification
-I will take a drink and a biscuit with me so i don't buy from their canteen!
-I will sort out advertising material for old work place
-I'll go into old work place and put up advertising material, plus see everyone
-Will also rack old colleagues brains for ideas for my new job and what to implement, plus borrow some of their resources!

Will write more later!!

Norton_Blade

Good morning sophiesmum and all who follow. I hope everyone is well. It's lovely and sunny in Sheffield today but it probably won't last

Today I have:

* Had breakfast at home and brought my dinner into work.
* Checked online banking... all is as expected. Just waiting for the spare change I banked yesterday to appear.
* Checked for surveys. None yet today but will keep an eye on them.

Today I will:

* Photocopy my passport in order to get Kaupthingy-whatsit application ready - just waiting for a bank statement to come through at the end of this week and then I can send it all off.
* Remember to bring my pay slips into work tomorrow... for some reason, I didn't get the £50-odd tax money back when I should have this month and I need to chase it up.
* Remember to bring my offer letter in for the qualification work are going to pay for. I need a letter from them to say they can be invoiced.
* Do some more washing when I get home. 30 degrees and line drying if it's still sunny. If not, I'll decorate all the airing places in the house with pants
* I'm planning on today being a NSD like yesterday. Don't think I need to go shopping tonight. Will go on the exercise bike instead and lose some pounds that way
* Keep working hard and keep smiling!

Have a good day everyone. Every minute that passes is another minute closer to the weekend again!

MrsPorridge

Morning All, Today I will/have already:

bought lunch into work
done my payment a day to Egg card
will have an NSD
Will do half an hour (at least) on Wii Fit tonight

Rummer

Good Morning Everyone!

Today I have/will:

• Clicks
• Banking
• Freezer meals
• Make sure my OH takes a packed lunch to work

Still bound to the house at the moment and feeling very sore and sorry for myself. Hope you all enjoy your days!

claireabelle_2

morning all payday today! and the halifax card has been paid off :j £880.03 paid this morning and balance will be zero when it clears... feels amazing! it was almost £7k at its highest... i will cancel it once the balance is zero and they confirm it :j

have a fab day everyone and keep debt busting xx

Pippilongstocking

Hello all

This am/today

Put on wash at 30 - air dry
Store cupboard tea - me thinks we need a use it up week
Home at lunch to check bank (again) and transfer some money to cc
Waiting for email from egg - grr why dothey take so long?!
Write alot of lit review (hopefully)
Had a NSD yesterday (by accident so hoping for another one today.
Attempt to write a meal planner
Think about making some soup.
Turn basil into pesto.....find recipie
Update signature
Water greenhouse just planted some salad and wintery type things

KTjazz

Hello everyone!

today I have/will
- check online banking to see if my competition cheque went in ok
- pay something to credit card
- check phone spend
- store cupboard meals
- charge phone at work
- sort my mp3 player so I will use my gym membership more than I have lately
- tidy up and clean using stardrops.

KTjazz

MargB

Well as a newcomer to these boards(of a few days), I'm still taking little steps. But I know it will all add up.

So today I will
- Pay off the £56 on my New Look card blll that came last week
- Go and have my regular savings passbook updated at the Building Society
- Open a Cash Isa and put the £3000 I got from the sharesave scheme at work last month inot it. Takes me up to my limit for the year and its out of my current account whre I'm not tempted to nibble away at it.

- And I'm going to try and work out how to set up one of the signature-thingys that you all seem to have (and I enjoy seeing)

Marg

WelshWoofer

Morning - its a drizzly grey day in Manchester despite a promising start!

Today I have/will...

• Had breakfast (stops me eating rubbish mid morning)
• Booked a half day (still paid and have loads of hols left)
• Will have lunch at home to use up fresh stuff
• Out for tea care of OHs family birthday (free!!)
• NSD
• Checked the bank/credit card
• Will try phoning council about non existant refunf of £500 I've been promised Grrrrr!

Piquant_2

Morning all :hello:

It's still sunny here at the moment, so I'm enjoying it while it lasts

Taking all your advice about the saddle crisis, I am diverting my payment a day from A&L to tesco visa until the amount is cleared (tesco are lower on my debts as their APR is low, in comparison) I started with £324.50 and paid £20.29 today. Those sharper eyed friends of mine will notice the amount went up a little, that's because I had the opportunity to buy the matching bridle:o:o I'm going to post on this thread how much I pay off each day - prepare to be bored

andan - a shorter list!! are you putting your feet up at last?

today I have/will

• post 3 ebay items
• post 2 amazon parcels
• come to work
• bought in lunch and breakfast
• check on-line banking
• fiddle with spreadsheet
• have a NSD
• ride horse (sort of free)