Monday 13/10/08 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
• Have my home made leek and potato soup for lunch with HM bread
• Lots of paperwork and shredding to be done - will add to compost bin
• Not use car
• Try and have a no spend day

Good morning everyone, hope you all have a good day. Back to work again!!!
Not much exciting happening here today:D

Catch up with you later.

yukkibear

Morning Sophiesmum. I haven't posted on here for ages, and I feel very bad for it. My lists used to help me get things done.

Today I will

- check online banking
- write 2 reviews
- look for a matched bet
- check clicks and surveys
- finish the xmas shopping.

Have a good day everyone

princess_loki

morning all :wave:

hi to sophiesmum and all who follow

well was quite good over weekend (apart from take away but i did so much i think i earnt that!)

i had a little gardening accident yesterday when the flex on the lawnmower caught fire and singed my trousers :eek: - lucky i was wearing my lovely attractive pink combats with no button that cost £2 from primark! anyway was not hurt but felt like an idiot when i realised neighbours were watching me scream and run around the garden like an idiot:rotfl: !!

another fire incident to report.... young cat has just discovered that gas hob burns whiskers (his left hand side ones have all got singed :eek: ). what will happen when i start using gas fire in living room... don't want to risk it yet!

- today received an e-mail in response to my wanted lawnmower post on freecycle so hopefully i will be able to collect a replacement this week :j collecting tomorrow after rush hour :j
- have given away a new top that oh has never worn on freecycle organised collection for tomorrow
- the boys are halfway through their catfud job for mars doing taste tests so one free dinner for each of them today :T old boy didn't like it so young one ate two!
- oh taking lunch to work - also taken hm cake for other lads at work
- dinner will be hm lasagne (defrosting in fridge)
- i really must do some avon work today as have been a bit slack recently going to sort out books etc as looks very much like rain today
- will e-mail mum rather than phoning to arrange to deliver her works avon (plan on getting free lunch at hers too!) done and there is a £15 order waiting for me :T
- will also ask mum if there are any staff discounts or offers on hairdressing (she works at college) they normally charge around £7 which is excellent - it does take forever if you get a nervous student but it is warm and the tea is ok booked for friday afternoon
- apart from that i really must do some housework as the place is a tip after the weekend tried dishwasher on quick wash with just half a tablet and it worked fine! hoovering next (grrrrrr!)
- must also wash car (embarrassed as it is so dirty and i may have to take that lawnmower to oh's work for a service as it is petrol). given up on that idea as thing it it going to rain...

that's all i can think of now...

will catch up with everyone later
loki x

Kmac_Edin

Morning

I've never posted here but I think I'll get a list sorted to keep me on track for today.

Today I'm going to
Eat lunch at work and not buy lunch
Switch off all the plugs in the flat and keep a note of when I need to switch them back on
Wear a warmer sweater to stop me putting the heating on at night
Do my washing at night as thats when I have cheaper electricity rates


xx

Yargo1

Morning sophiesmum and yukkibear

Well a fairly bright start weather wise here in northampton - although i think we are due for rain a bit later!

Have turkey leg and some veg cooking in slow cooker

Will check piggy clicks - although not had any for ages now..stuck on 7:55! lol

Have a good day all

princess_loki

kmac_edin - welcome:j i like your flashing sparkly pointer things - how do you do them??

yargo1 - i am in northampton too!!

loki x

andan

orning guys, hope everyone had a great weekend and that monday morning feeling isn't too bad!!

Princess loki, i was thinking bout the stars too, knac they are very cools and we all like sparkly things in here!!

Haven't decided yet if today is going to be a fairly quiet day or i should have a busy one, decision decisions!!

So today i will:
-Have emailed a mystery shopping company to cancel a job, its too far out and when i calculated it all out, for the time and the money it was going to take me to do and get there, it wasn't worth it
-I will have another look at placements today and see when and where people can offer me placements
-I'll phone one trainer back and check something out with her
-I will email other placements where i have heard nothing back from them, really bugs me when people ignore you!
-Off to college in a mo to do nvq
-Will use college free parking and go and grab any food bargains from the near by coop, plus i need to get some money out, so do two things at once
-I also get my tesco delivery today, so need to put all food away and scan it for shop and scan
-I'll sort through emails
-I'll do any surveys i receive
-I'm doing an online focus group for £25 tonight, so thats about two hours of work later
-I will write the rough copy of the first part of my assignment
-I will type up the first part of my assignment
-I will write the rough copy of the second part of my assignment, as am out all day tomorrow
-I'll do my daily clicks
-I may go swimming tonight if i get the time, its cheaper as i work for the council
-I will sort out basket of clean clothes and try and get away with not ironing many!
-I'll look for mystery shops
-Ill check for matched betting bonuses
-Ill place several matched bets
-I'll check free cycle for free things
I'll check online banking
-I'll sort out finances and see which cards need paying next
-I'll keep the heating off for as long as possible
-I'll submit meter readings to site to see comparisons

Think thats it for me today, catch up with you all later.

petrafyde

Good morning all

Today I have/will:

1. Wash on 30 (if he fixes it!)
2. Check online banking
3. Check eBay & Amazon listings and pack up whats needed to post
4. Cupboardy lunch and tea
5. Shred paper for papier mache pigs and find ingredients for rest from cupboard
6. Tidy the house with the windows shut (keep the heat in! I usually open them)
7. Do my recycling to keep main rubbish bin down

Rummer

Good Morning!

Another busy day for me! Trying to catch up for all the weeks I had to stay in bed! So today I have/will:

• Banking
• Clicks
• Store cupboard dinner and lunch
• Home baking
• Laundry 30 and hang
• Clean animal cages (use shredded paper)
• Scrub down kitchen
• List 5 items on ebay/amazon (keep saying I will, never quite getting there!)
• Waiting on a delivery so NSD
• Organise recycling
• Load car to take rubbish to the dump
• Reading for course
• Wrap boxes for Christmas hamper
• Start Christmas timetable and ingredient list for food items
• Reading for course
• Get quotes for wall insulation
• Water colour painting in the evening to reduce TV watching
• Try to find crochet hook to start a blanket
• Make another draft excluder
• Put up the new lined curtains in the bedroom

There are lots of other wee bits and pieces that I have to do but these are the main MS ones! Hope you all have a great day!

savingforarainyday

Morning all. A Fine monday morning. (Ok if I big it up i might not feel so mondayish)

Today I have
Finished putting items on ebay i started last night (7 Items yay)
Got my minced beef out of freezer for meatball for dinner
Made a lovely coffee

I will

Tidy and clean my kitchen, including floor
Iron some more bits to ebay,
Check my online banking
Stay in so I have an NSD
Read DS coursework book to him and encourage him to finish THAT essay. lol (he is home ed)
Add up gas and electric usage for week see if we have cut it down
Work out Trial Balance for client
Tidy my desk (How does this save me money you ask; If I dont tidy it i miss what needs paying/sending back/invoicing etc lol)

Does anyone here list books on amazon. I have a few to sell and wondered how it works

Well while I still feel the urge to get on. I am off. Desk first.

Have a good monday folks

Piquant_2

Morning all:hello:

Oh kmac the stars!! as andan says, we're into sparkly on this thread, please let us into the secret

Princess loki, you made me laugh with your singed trousers, luckily you're okay

Have lost track of everything! got a migraine on Saturday and it wiped me out for the whole weekend, I think I managed one post on MSE and had to go and lie down, not funny. No housework, no spreadsheet, no daily payment...I need to update everything! Strange how losing two days throws the routine completely.

I will come back and update later...