Tuesday 14/10/08 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 after work to use gym membership
• make flapjacks in remoska for DD and OH
• Not use car
• Try and have a no spend day:D
• charge mobile at work
• Sent DD to stables with some apples to use up - treat for horse

Morning people:D well the rain has returned here so a wet and grey morning,making everyone feel miserable. Making brunch or my oldies later so will be having lovely bacon butties at work:p
Hope you all have a good day - good luck with the bank fay:mad: , morning mbaz:D
Catch up with you all later.

mbaz

Morning all

Today I have

- checked online banking :eek: at least I know where I stand now though
- done surveys

and I will

- do daily clicks - not done them for yonks!
- chase tesco for refund
- cancel the sharesave doing through work as I can't afford it
- make a loaf
- do some baking

May think of some more things later. Have a god day all.

Mx

Miss_Piggy_2

Morning all!
I'm gonna try and be a good DFW girl today! Up REALLY early (why oh why do toddlers like getting up while its still dark!) so have already started....

* Cooked potatoes, parsnips and veg for roast tonight (and enough left over for dinner tomorrow:T ). Just got to cook chicken (donated by my Mum!)

* Will ebay at least 3 things today (need to pay for connection fee to talktalk broadband - have till the 28th to raise £30)

* A NSD for me.....as long as I avoid ALL shops!

* Two lots of washing to be done at 30 degrees and will be airer dried

* Checked on-line banking (My reaction very similar to mbaz's :eek: )

* Will blanche and freeze batch of apples off mums tree

Other than that can't think of anything!!

Miss P
xx

KTjazz

Hello again everyone.

I didn't get back on last night. I also didn't get quite everything done either... I would have but I suddenly realised that my car tax had run out at the end of September and I desperately needed to do something about it. There went my LSD and I didn't have enough time to go to the gym either. I am much tidier though. I just need to clean up tonight and keep up my good work.

today I have/will

- not going to check the bank today (nothing should have changed and I know where I am with it)
- keep an eye on mobile phone spend
- continue cleaning
- go to yoga class to use gym membership
- sparkle and shimmer and generally try my best to be a happy person during my busy day at work
- store cupboard meals
- low SD
- work hard and hopefully plan in when I can do some overtime (Saturday maybe?)
- drink free coffee at work
- pay more to credit card or sofa (sofa interest free for another 4 months)
- spend my hard working day day-dreaming about winning (or making) lots of extra money and planning what I am going to do with it all!

I hope everyone is ok.

KTjazz

Pippilongstocking

Morning all

Today will

Fight with bank : all good or wait for a grovelling apology from them
Chicken out of freezer something chickeny later
Kids bathing doggie, free fun for both kid and dog
Make something substantial later rice? dunno DS got a pal coming and he eats for Scotland!!
Before work job, then home to work some more go me!!
Washing on 30
Changable here, do I chance the washing out??
Milks a bit dearer to be delivered but will that stop me shopping for unnecessaries when I have just popped for milk? Still thinking.....

Have a great day everyone, will attempt a NSD but its the school holidays - so probably be completely rubbish at it -then again as the bank has all my money, maybe a NSD is the way forward!!!!

savingforarainyday

Good morning people. I nice wet morning here in Luscious Lincoln.

So I will.

Washing; done overnight on economy 7, will hang out under the covered way outside back door
Will List 5 more items on ebay (took photos last night)
Look for more items to sell
Read about selling books on amazon
Check online Banking
A Couple of hours work
Essay with DS :eek: (I read for him)
Bacon and cheesy pasta from store cupboard
If I have all ingredients I will make flapjacks

I wish you all a sunny day so you may dry your washing and a warm day so we don't need our heating on.;)

debtfreesomeday

Morning everyone

Urgh - wet and rainy and grey here - very miserable weather and not helping my mood this morning!

Must be the day for scary :eek: bank balances - checked mine to find we were overdrawn so got my budgeting calculations wrong somewhere... then remembered I have a cheque for £57 in my bag from selling cds on music magpie so will be + £30-something then. Needs to last us 10 days til payday, should be fine as we have loads of food in, no more bills to pay and a full tank of petrol! We've been trying REALLY hard to not go overdrawn this month so I'll be gutted if we did!

So, today (and for the next 10 days!) will be a NSD
• Try and pay cheque in bank, unfortunately no bank near work though, maybe a drive at lunchtime...
• Brought breakfast & lunch to work
• Put leg of lamb (kindly donated by my parents! :A) into slow cooker with veg bought from fruit & veg box scheme at weekend - yum
• Use free gym membership tonight
• Check online banking
• Check Quidco, pigsback & survey sites
• Try and sell sofas we're trying to get rid of through work notice board
• Maybe have a look into selling books on Amazon - but wondering if it's really worth it?

Think that's all folks, have a great DFW day xx

petrafyde

Good morning peeps

Today I have/will:

Package up stuff sold online
Cupboardy lunch/tea
Do my clickies

Probably more to come later

Amazon is very worth it by the way Just got my second sale in a week this morning.

Pippilongstocking

Amazon is very good, very very easy - go for it - once listed the stuff stays on for 90days (i think) so you forget about it and then get lovely emails saying that you have sold something....thinks to self, must relist some stuff on Amazon!!

Add to list - *Charging phone at work*

thriftymoo

Morning all

Decided that i need to start writing lists again so i actually do stuff!

today i need to:

*check one poll - 40p to go til payout - done 30p down!
*do some slice the pie track
*do clicks
* write some reviews and read some on dooyoo - done
*check online banking - done everything as it should be
*check read it swap it for books - done!
*write meal plan for next week - done

OliveOyl_2

:hello: Morning All, and thanks Sophiesmum.
I'm feeling a bit over-whelmed today, a bit like I can't cope, and a bit weepy.:o

And I can't check my on-line banking as I lost my card 10 days ago and I'm still waiting for a replacement. It's a bit like losing a right arm. It means I'm not over-paying anyone at the moment (minimum payments go automatically :money: ) everything has to go by cheque, and I'm having to trust my spreadsheets:eek:

But otherwise:

• spent HOURS sorting DD's car insurance last night (we pay, as our contribution to her uni costs, her car expenses) getting all the quotes and looking for cashback. Only to find that nothing beat her renewal notice!:rotfl:
• charging phone at work
• brought in lunch to work
• storecupboard supper - in fact I'm trying to go another week without shopping, so interesting food ahead......
• go to the gym tonight as part of my MS so free. And free shower/gel/shampoo
• joined another opinion site and challenged myself to get £50 by Christmas.....£1 so far
• Written to Vet to dispute bill
• try and sparkle.....:o