Saturday 4/10/08 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.

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
• make a loaf in breadmaker
• Go for swim and jacuzzi to use gym membership.
• Have lunch out with a friend at the two for one place:D

Have a good weekend everyone:j
Off to town to meet up with a friend and have lunch, hopefully won't be spending much money.;)

Pippilongstocking

Morning Sophiesmum - you are up early on this blustery autumnal day!!

Today I shall try and be productive, OH off ferry later, so need to get the chores out the way to have fun later. Out for dinner later his treat

So today
Checked bank egg site is down for my other accounts prob in shock cos I gave them lots of cash
Updated signature - go me just shifted debt from interest to non interest but now its more realistic to pay it off:)
Fly round the house like a loony doing some cleaning and (still unpacking) sort some of my room
Harrass kids to fill up logs etc from garden stocks
Make a pavlova or something nice with rasps from freezer
Tidy up desk in office
Think about sterilising seed trays to sow lots of baby seeds for selling on ebay/farmers market in springtime
Do some writing
Think about claiming ppi's and bank charges not done this yet:(
DS nearly saved his whole share of bike money, think of inventive chores to spur him along he only needs about £9 (he has saved/worked for £81 in 9 weeks - pretty good going)
Pick up bail of hay for chooks from work
Pick up free wood from farm before its gone
Pick up some grain from farm for chookies (they said I could)
Do all 3 of these whilst doing before work job
Meal planner - still not managed one, so will do that now!!

Good day to everyone else, have fun at lunch sophie, its great to be thinking that my mountains of debt are still there but somones come in with a JCB and flattened them slightly - easier to plod away through.......

PS Mr Tescos last night, DD had pal for sleepover so we went for weekly shop and a couple 'treats' - instead of the ben and jerries (look at the price mum) they opted for a plain ice-cream and ben&jerrified it at home (adding marshmallows (essential for sleepovers), chocolate and honey in a big bowl stirred the lot together) I was very impressed - She might be twelve but shes a money saver in the making!!!!!

Essex-girl_2

Good Morning All

Not been here much this week as been poorly but feel much better today

Today

• Didnt go into town (was asked) as knew would spend money on silly stuff (nice coffee m&s food etc)
• HM Bread for lunch
• Menu plan dinner
• Will do loads of housework and pottering - keep myself warm and keep heating down
• do need some more face cream but will order via quidco
• stay in tonight & watch strictly

x

bathgatebuyer

I did some of my financial filing into the early hours of this morning!
Meeting a friend for a coffee today - having breakfast before I go so not tempted to buy something while out;
Will do some snowballing later.

mickey_mouse

gooooooooooooooooooood morning everyone:D

today I will be doing...

-daily clicks
-comps
-keeping the spending to a minimum
-going to a craft demo day - pick up lots of tips for free
-taking lunch to above demo day

have a great day:D

andan

Sophiesmum, have a nice time at lunch.

Essex girl, sorry to hear you haven't been feeling well, glad your feeling a bit better now.

Today has been good so far, i have had a lovely lie in, though its made me more tempted to stay in bed!! Having a fairly quiet day today as off out tonight to celebrate a mate's b day.

so today i have/will:
-Go to college in a mo, to do my ear candling
-Will then go do a mystery shop after, which includes some free food!
-Will write up one mystery shopping report for yesterday
-Write up mystery shopping report for today
-I have looked for mystery shops and will check later
-I'll look out for some more bookies to sign up with
-I'll do my nvq homework so i am as up to date as possible
-I will tidy bedroom instead of shoving everything in the wash pile
-I'll work on my business
-Off out tonight for friends bday, i will use railcard for cheap travel and get night bus home so its still cheap
-Off to a comedy club but tickets are a fiver instead of the usual £15
-I'll sort through emails
-I'll do any surveys
-I'll put money in payment a day challenge
-Will check out matched bet later and place another one if necessery

Think thats enough for me today. all have a great start to the weekend

talliedebtbuster

Good morning all,

UP sort of early this morning! Andan thanks for message last night, yeah work is a pain right now and I just hope to go in get the shift over and come home! You have a lot to do to today with the mystery shop reports, ive got uni work to catch up on for the new term. Not really motivated yet though!
Today though im going to try and enjoy the day, rare to get a sat off. I need to get to Friday spending as little as poss as I have only 20 pounds to last me!
Fayjmck a long lost for you today too, ill be joining you! Your DD is brill learning off you! I wish I could be more motivated sometimes! I have got to keep this going! I want to pay off that student loan next year, I really do! Hot chocs fab, I got a load 5 for a pound at sainsburys!
So today I will
-Do Laundry….already on….dry round the laundrette with my 20ps
- iron shirts for work when dry on the radiators
-go to argos spend the £15 pound argos vouchers I have on a treat
-enter my coke zone points
-piggy clicks if any
-tidy bedroom
-vacume and clean bathroom
-organise uni folders
-do uni work - reading/notes
-buy last few bits needed for the week with my last £20 pounds

Tallie

thepinklady

Good morning guys,

Today i will;

* Check pigsback in the hope they are giving out 5p piggy clicks again
* Check online bank
* Only spend the £30 in my purse when out shopping today with friends
* Resist temptation to go out tonight, instead stay in and have a chilled evening
* Get cracking with my application to join the police force
* find more offers on Quidco

Think thats about it today for me

Have a good Saturday guys
x

Rummer

Morning Everyone

What wild weather here! I am going to have quite a productive day and encourage my OH to do the same. So today I have/will:

• Banking
• Clicks
• Laundry 30 and hang dry
• Leftovers for lunch
• Rubber chicken risotto for dinner
• Encourage my OH to paint DD room and bathroom
• Return an amazon purchase
• Clear out some of DD toys: freecycle or charity
• Bake something delicious for after tea
• Take DD to her first party
• Organise my Christmas gifts and see what I still need to get

Hope you all have a productive and MS day!

JWF

Today I will be listing some stuff on Ebay, walking in to town rather than driving and also (fingers crossed) sorting out some paper work and updating my spreadsheet.

cassey1

Good morning,hope everyones ok.

Sophiesmum,enjoy your lunch.
Fayjmck,you have trained your Daughter well.
Talliedebtbuster,enjoy your day off.
Essex girl,glad you are feeling a bit better.
Mickey Mouse,enjoy your craft day,hope you pick up lots of tips.
andan,enjoy your night out.
Today i will/have
Not going into town as planned,as still not feeling well.So a NSD.
-checked on line banking.
-quick wash,drying on line.
-ironing and house work.
-If feel better later,going to friends for dinner,only local,so can walk.
-If i dont go out to dinner,will have tea from store cupboard/freezer etc.
-checked for surveys,none.
-will do comps.
-received in post today,full size of frabic conditoner to trail and 10 coupons. Put the coupons in my purse,ready for shopping.

Hav a great day everyone