Thursday 9/10/08 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 lunch and tea
• make a loaf in breadmaker
• Go for swim and jacuzzi to use gym membership
• Decide what to cook in remoska for tea
• Not use car
• Not spend any money - failed yesterday spent 94p:o
• Try and be a bit sparkly:p

Good morning everyone:D This morning we have fog!!! looks very wintery out there. Hope everyone is well and haven't lost their sheep this morning:rotfl: .
Doing a coffee morning later for my oldies so will be having lovely bacon butties for free later:j
Have a good day, catch up with you all later.

Good morning Mickey...Couldn't decide whether you were late with yesterdays thread or early with todays...........:)

spam.jam

oooh, i like the sparkley bit, me too, thanks for the inspiration

today im going to
list some things on ebid
read my gas & electric meters and text them in
ring alliance and leicester and check the progress of my switch
finish my xmas list
do a bit of knitting

;-)

Pippilongstocking

Morning - stripey today but as good as being sparkly -

Today
Wasihng on cold, will hang up later in airing thingmy
Copied muffin recipe from OS board will encourage DS and DD to try it later
Bought some bits in Mr T last night reduced and loo roll (why does no one notice you run out?) Bought some value emergency stuff for back of cupboard which no one will like, and am sure then will be told when the nice stuffs gone he he he Spent <15quid there and <2 in co-op so all good.
Toast tea tonight (anything you want as long as its on toast and you do it yourself)
Out later - first time in ages to a quiz thingmy - wll drink water:)
Need write need write must hang around on net - will switch off bb!!
Tax car (s) eek
Must make appointment at bank and fill in student forms
Need do planner as have folk arriving on Monday for a week (expensive me thinks)
Clean out vw camper cos its the hols soon need email other pal about coming visit

Cheerio the noo my dears hope you all have fun

OliveOyl_2

Morning Sophiesmum, Spamjam and all who follow :hello:
It's sunny and bright here, and of course I'm sparkly

Today I have/will:

• brought in lunch, with HM bread. My bread goes stale so fast, and now the kids have gone, it isn't consumed fast enough I'll definitely have to have a cup of tea with my quite dry sandwich at lunchtime.
• off to the local Amdram tonight, so not a NSD. I've lost my debit card and had to have it stopped, while I wait for a replacement I'm restricted to cheques only hopefully my cousin will allow me to buy the tickets with a cheque, and she'll buy the wine at the interval and the programme. But it's not an expensive night out any way.
• Supper is in the slow cooker
• I'm charging my phone at work.
• please don't mention e-bay

I've just noticed that I've got a new medal now I'm really sparkly
(does that come because I've gone over 2,000 posts?)

andan

Morning all, won't be doing much dfw things today as i have a busy day.

So today i am:
-Going on a course, which is important for my job and future career development
-I'll get free food and drinks there!
-Will dry clothes on radiators only when i am forced to have the heating on
-Will look for mystery shops
-Put money in a bookies
-Do some extra work for work!
-Go and do my helpline work tonight
-Sort through emails
-Do any surveys i receive
-Do some nvq work

Have a great day everyone and catch up with you later

taplady

Morning all! havent posted here for a while but need to get back on track due to some dire finances!

today I have/will

• checked online banking
• hung washing outside
• am eating at work today for 2 meals!
• used my tead bag twice:D

hope you all have a good moneysaving day!

spam.jam

Hello everyone
fayjmck - does your washing work ok on cold, i might try that today
oliveoyl - are you having a bad time with 'the darkside auction site'?

OliveOyl_2

no Spam.jam, I'm just not listing things, despite photographing them despite posting on here that I WILL list things.

I have had a few troubles with selling, but not enough to stop me yet, just niggly things, like dishonest buyers, argumentative buyers and buyers who give me low feedback on p&p when I'd miscalculated them and it cost more to post than I'd charged them for p&p
Oh, and the fees :mad:

OliveOyl_2

andan wrote: »

-Put money in a bookies

how is that Money Saving? :rotfl:

Pippilongstocking

Olyveoil.re - .....with HM bread. My bread goes stale so fast, and now the kids have gone, it isn't consumed fast enough I'll definitely have to have a cup of tea with my quite dry sandwich at lunchtime.......

I slice mine and freeze it when I do it cos you are right it doesnt keep well - its a palava but then again what isnt?!! But maybe you tried this alreay, my pals have one of those bread saver things from lakeland they swear by it kinda tuperware that squishes down as the bread is used....looked they aren't cheap!

Spam - jam Washing on cold, yeah seems to work ok, not if things are 'mucky mucky' but you know if worn it for a day maybe or so, its not 'clean' but its not dirty - so we often do cold washes for bits and bobs - to be honest I can't tell the difference.....unless I am gardening and the kids are out and about in garden what does actually get dirty?? Not much!

Sparkly toe nail polish - surely that counts too

Back to the books!!

Rummer

Morning Everyone

I have been too sore to do much the last couple of days so I am glad to be back! Not quite sparkly but with a bit of a glimmer! Today I have/will:

• Banking
• Clicks
• Laundry (30) and hang dry
• Learn to crochet (never been able to get the hang of it!)
• NSD
• Store cupboard dinner
• Light tidy to get my self moving
• Encourage OH to continue with DD room decoration
• Write to the tax office for fees tax relief
• Contact tax credit people with update
• Update household finances for next month
• Face up to CC amounts and pay some off
• Plan my last couple of Christmas gifts (so no impulse buys)
• Look out 5 items for ebay/amazon/charity
• Think about where the furniture will go in DD room
• Reading for my course
• Contact course tutor to confirm starting dates of free course

Think that will do, most of that can be done from the couch/bed where I have been spending most of my time. Looking forward to feeling better and getting back out into my garden. Hope you all have a productive day!