Saturday 11/10/08 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
• cheese and onion potato bake in remoska for tea
• wash agin with laundry balls - was impressed:D
• Clean house with stardrops and microfibre cloths
• meet friend for lunch - courtesy of friend:D
• Have a low spend day with friend
• Pigsback piggy bank just arrived in post ordered on OH's account which I have now shut as PB gone rubbish:mad:
• read all the positive sparkly posts on this thread - thanks guys

Good morning everyone , wet and grey start to the weekend here but never mind. i have been invited out for lunch with my friend and then mooch around town afterwards:D but will not be buying much as I don't need anything.
Hope you all have a good day today - Tallie - hope work goes okay - don't let them get you down:p .

Catch up with you all later, OH has just made me a bacon sandwich for brekkie:D

Yargo1

Morning sophiesmum and all that come on after..

Well, a lovely sunny start to the day here in Northampton, and im off to work at 12 so have to get moving....

I have done some 30 degree washing and will be going on airer to dry

Going to go and have an hour on the machines at the gym... to make use of membership and also have a sunbed ..that was paid for last year!

Look on mse site to see if any other ways of making some cash!!

Thats all i ll have time for today...

Have a good day everyone..

bathgatebuyer

I've just done a car quote on Gocompare through Quidco for my £2 cashback (and a genuine interest if a relatively new Fiat 500 is cheaper to insure than an 8yr old Beetle and it is by £200 a year!);
Meeting a friend today for a catch up (will opt for the filter coffee to save a pound or so);
May spend the £10 HMV voucher I got from Valued Opinions.

Disclaimer - any thought of buying a relatively new Fiat 500 are not going to be actioned on until next year when the credit record is a bit better and my remortgage has been done!!!

painted_lady

I will
- be meeting a client this morning and trying to sell some extra business products
- going out tonight for first time in months due to sickness, have free babysitter
- check my ebay listings and answer any questions

Rummer

Good Morning!

Today it is dry and clear so far and I am going to achieve miniature greatness! So today I have/will:

• Banking
• Clicks
• Meet gran for breakfast
• Charity shop browsing for extra xmas gifts
• Laundry 30 and hang
• Store cupboard lunch and dinner
• Tidy out the greenhouse in readiness for the winter
• Move vulnerable plants into greenhouse
• Maybe plant some winter salads
• Add the final touches to DD room
• Scrub the house from top to bottom (free exercise)
• Bake for guests tonight
• Start making xmas hampers
• List 5 items on ebay/amazon
• Take items to the charity shop
• Not going to use the car

I am feeling so much better today and I am ready to get my life sorted!

savingforarainyday

Well good start to the weekend. Weather is at least dry even if it is not sunny.

So I will

Line dry the washing
DH is tidying up outside before winter and bad weather arrives.
I have checked online banking.
I will update client invoices and send out reminders
I wil repair tshirt and zip on ds jacket
I will put away washing that doesn't need ironing (lifestyle choice:p )
I will sort through bag upstairs for stuff to ebay, put in charity bag and car boot.
Curry from stuff in freezer/cupboard
Will do meal plan for week
Will store away veggies i got from the allotment

Have a happy saturday folks:D

Smamfer

Morning all!

( or rather evening to me)

Finished my 12 hour night shift @ 7 this morning.. was home by 7.30am and now working 2 hours on my saucy texting...

My day will consist of...

Had crumpets from my ma for brekkie.. --cost was nothing
Will sleep till 5 o clock -- so eaten and spent nothing
Take sandwiches to work tonight -- so cost is nothing
Work 12 hours and admire the sweetie vending machine but say " no id much rather eat this ryvita than choc thanks" trying to sound convincing but knowing they wont believe me... someone will treat me lol

Also....
Checked Online banking and my texting wage has gone in so i look rich :T
Attempted 3 surveys this morning none of which i was suitable for
Received a cashback/clicks email from member on here so joining all those.
Done some clicks..

katrss7

Morning all!
First day of hols today and we have OH DS staying for weekend - we will be going for a walk on hills and through woods today and see if we can pick up anything on the way (particularly thinking of conkers, pine-cones and maybe some crab apples). This afternoon will go swimming (using Gym Swim pass before it runs out). Double exercise today! They always let OH DS in for free as we adults both have membership. Other MS things to do/done today are:-
* Daily Free Scratchcards
* Piggy clicks (none there but entered a couple of comps and found I had enough points to get a Waterstones voucher)
* Tried again to get Home Insurance through cash back site. Tomorrow is cut off point. Very, very disappointing! Last try tonight.
* 30 degree wash on - hope to hang it outside before long walk
* made sandwiches for walk but no treats in house
* make bread and
* toad in the hole for tea.
Have a great day everyone.

katrss7

Oh yes! Who was making Xmas cakes yesterday for £15 for 10? Am I having delusions? If its true can I please have the recipe - I only want one and haven't made it because couldn't justify cost of ingredients at the moment.

cassey1

Morning everyone,
Its dry here and the sun is trying to come out.
Sophiesmum, enjoy your lunchwith your friend.
Painted lady,have a great night.

Today i will/have.
-Done keep fit dvd,cheaper than gym.
-had hair cut,did not have blow dried,saved £15.00.
-checked on line banking.
-going into town to buy a birthday present,will look for bargains for Christmas as well.
-Will have a bacon sandwich before going into town,so i wont buy lunch out. Will take a bottle of drink(not wine!!)with me,so i dont buy a coffee.
-Tea from meal planner.
-Check for surveys.
-will do lots of comps.
-done washing on quick wash,drying on line.
-housework and ironing.
-tidy up garden.

Have a great day,everyone.

Pippilongstocking

Morning all - bit later than usual - slept for 12 hours last night - must have been needing it - Goodluck today Tallie!! Nice to see you better PLady.

Everyone else hellllllllllllllllo!! Its mixed here, so attempting towels on the line, but who knows!!

DD has pal here so its chaos
DS is enjoying first day of october hols at a chums house, so not feeding two 14 year old boys (therefore great money saving)
Made muffins from recipe on here - estimate cost about 30p? for 12 I am told they taste nice
Brother splitting logs as we speak (free fuel)
Need check bank
Ok scrap that, checked bank the WTFC folk have put £2684.07 in my account (I kid you not - !!!!!!???????? excuse the swearing)) needing to ring someone very quickly as this shouldnt be the case)

Why do they do things like this, I have my full entitelment, I dont need extra money in my account tempting me so I will have to pay it bakc later.

Away to lie down, then fone the tax folk. ARGG


Need work as well, so that should stop me spendinng anything!!

Bye folks, walking away very very confused - they are a law unto themselves the work tax folk.