Sunday 12/10/08 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
• Been for swim and jacuzzi to use gym membership
• Chicken and roasties in remoska for tea later and after that some more flapjacks for DD and OH
• Had free latte on way home from gym as friend had some loyalty cards to use up
• make some soup for freezer with reduced veg I got yesterday and put some reduced bananas in dehydrator to make banana chips - 2kg for 20p:D

Sorry for being late posting the thread went to gym early for a swim and jacuzzi then called for latte at the drivethrough.Sun is shining here today:D
Enjoy the rest of the weekend everyone:D

savingforarainyday

Hello Sophiesmum and anyone posting today.

Today I have put washing to dry on line
checked banking
Had a really good english breakfast, cooked by my own fair hand(no lunch for me)
Clean veg I dug from lottie
Cook and pickle beetroot
Do meal planner I didn't get to yesterday:embarasse
Hoover and polish lounge, when son and his mate get up and get out of there.:eek:
Make DS's GF Bread
Make a nice white loaf for us
Put Charity bag out for tomorrow. Iron Clothes for ebay.

My real challenge for this week is get my stuff on ebay I have been procrastinating, so feel free to nag me whenever possible.:D

Have a lovely lazy sunday:p

andan

Morning everyone, just popping in to say hi, will add my post later, i am however very busy doing dfw things so am not slacking promise. Am in that mode of getting things done, so don't want to stop and post properly just yet!!

Hope everyone is having a good Sunday

Pippilongstocking

Hello all of you

Been sitting at PC since 8am - wondering how you all are!!

Today:
Writing - feel free to nag me also!! (this is so overdue) started...
Kids just collected 2 eggs - woo hoo
Reduced fish and £1 fish fingers (TESCO) for tea - tatties and veg from garden
Make some more soup - brocolli and brie (47p total fed five some left woo hoo)
Tidy up for pal coming
Go to farm - find animals whom will no doubt be hiding (its sunday I am sure they don't mind me being late!) One cow pretending to be a stone lol
Collect some grain for chookies (am allowed)
Make a meal planner for week this kinda worked last week!
Update signature as did some shopping yesterday
Feed neighbours cat (and earn cat fud for my cat)
DD going cinema with chum later (her mum paying) as I have had her daughter all weekend
DS home later on having been fed and watered all weekend at pals
Dogs eating free bones from butchers so they happy!
Borrow hoover from work and persuade son to hoover house
Someone needs to clean the car as well - doh!!
Need find out about getting local milk delivered (seemingly its free? thus reducing the temptation to buy more in supermarket than just milk) emailed them - rather than phone (money saving)
Reduced mince out for spag bog tomorrow for guests!!

Spoke to WTFC folk yesterday, seems they made a mistake in 2003/4 tax year and underpaid me (wouldnt want to have died of starvation inbetween now and then would you??) so unexpected cash, do you put it to your debts, stick it in savings or what - dunno what to do if its really ours??

bathgatebuyer

I've been to Sainsburys for a top-up shop - lots of own brand tomato soup and 7p noodles!
Did a taxi service for a pal last night who put £15 worth of petrol in the car for me as a thank you.

Not much else for me today.

andan

Thats great news about the working tax fay. If it were me i would put half towards the debt, then the half that is remaining i would split it in two and put half of that in an isa and use the other half to get myself and others within my family a well earned treat. But thats only me!!

luxor4t

Today:
- line drying the washing
- no heating day 3
- nsd!!!
- store cupboard meals
- quidco clicks & pigsback comps
- cashed in Paypal balance & Greenmetropolis credit
- sent above amounts plus Quidco cashback (£100!!!)to savings account
- shall do some alterations this afternoon so that my too-big trousers & skirt will fit. Shall also mend DH's jumper.
- more de-cluttering (getting addictive)

Pippilongstocking

Funny isnt it - keep hearing Martin in my head telling me its a security blanket and to put it to my debts! something must be going in.

My online saver is 5.2%. (i think)

One loan is 3% so not much point in paying that off? (advice gladly taken)
One loan from a pal, interest free so he doesnt want that back before 2010.

RBS loan is higher interest - but my partners taking that loan on in Nov (in exchange for my car - he said he's happy to do that or let me pay off that RBS loan and he will just deposit the payment into my account)

Wondering about investing a bit of it in my VWcamper to do up inside a bit (investment?!)its a bit scuzzy inside - they don't seem to lose money - and then a plan a trip to daddies next summer in the beast (will be expensive as he lives in Limoges - but what a trip that would be for the younglings?!)

To be honest until i have it in black and white - I don't want to get too excited.

Waving to you all again (and writing honest)
Whats greenmetroplis? just curious.
Heatingsoff til tonight, sitting with pj's under clothes - is that good money saving or just plain lazy??

andan

Am watching new episodes of home and away on youtube, so figure i will write up what i have done so far!

Fay, have you got an isa, some isa's including the one i have, pay 6.5% interest and obviously you don't pay any tax on it.

Things i have done today:
-Stripped beds and put washing on 30
-Have washing outside drying in the sun
-Have put money in payment a day pig
-Have completed and printed out nvq homework
-Have placed a matched bet
-Found another bookie, put some money in and found another matched bet
-Have typed up first part of second case study
-Have worked through emails
-Have done daily clicks
-Have tidied up bedroom, making sure everything doesn't get shoved in the wash basket
-Have checked online banking and have checked to see if my balance transfer has gone through
-Am keeping heating off for as long as possible

Will add more later!!

talliedebtbuster

Afternoon all, no post yest as comp was not working!

I wasnt too bad, i ended up spending 2.24 on a pasty on way home from work, it was my dinner (huge pasty!!) so bad me.....but work was ok, i got through the day and earnt an extra 90 quid so good there.

Today though i am studying all day and watching telly lol! Mum has just got some chips and burger buns to go with my burgers. My plan for tonight is own takeaway in rather than from shop! Yummy!!!

I dont need to buy anything today then, still have the m and s voucher to spend though tomo! Car is in for its service a bit nervous how much that is going to cost!

I love the way the farm helps with the DFW plan! Its so country! There are a few farms round my way i might go visit this week see the animals!
Re the extra tax cash, i think a good decision. you will do the right thing with it. any extra cash thats unexpected is hard to decide what to do with!

Well im staying in my PJs today guys no spending!

Tallie

~Yorkshire_Belle~

Hello all
Washing on line - what a beautiful day
DH making Suday lunch yum
Nothing much DFW as have bought DS birthday present but mostly full of joys of a nice day hope that feeling lasts!