Saturday 18/10/08 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.


Today I will:

• Clicks
• check online banking
• storecupboard lunch and tea
• make a loaf in breadmaker
• make some flapjacks in remoska
• Clean house with stardrops and microfibre cloths
• Buy some bargain veggies from the market today:D
• drop off a bag of stuff at charity shop whilst in town.
• drop off some energy saving lightbulbs I got free to a fellow mse'r as she also lives near town.
• Put some petrol in car while it has now dropped to 99.9p, and I am down to fumes;)
• go for swim and jacuzzi

good morning gang Woo Hoo it's the weekend:j :j I love Saturdays :j Off to town this morning with my friend,today I will be mostly buying veggies and socks;) and not much else hopefully - my live on £4000 budget is getting low:eek: .
Hope you all have a great day - the sun is shining here today although it is still quite cold,.

Welcome to any new posters:D it's a bit mad in here but we are nice really:p

kalojac

Morning Sophiesmum

Haven't been for a while again, I can't seem to find enough hours in the day just now.

How is your driving getting on Andan?

Today I will:

Visit the local farm, for cheap vegies
Post a playtrade item
Make a loaf in breadmaker
Enter 20 competitions
Make some homemade gift tags for xmas :santa2:
Turn down heating, its warmer here today
List some items on ebay.

Have a good weekend all.

Yargo1

Morning all.. Sunny here in Northampton too, lovely..

Online banking checked and will be charging mobile up at job two..ten till 4/5 today as im planning on seeing the girls for a few drinks tonight.. first night out in ages!

have a great day all

Lemon_Tree

today i've updated my banking
calculated how much i've saved in the last year by using my Asda card with te 2p off a ltr - £31 which is worth the effort if you ask me.
washing is out on the line (still)
need to go shopping later so will make a list and hope to get lots of stickered items.

MrsAudus2b

Good morning all! Just finshed reading yesterday's thread....am in a much better mood because of it and have put on bright pink socks to write this!
The only problem is...I want to be an elf too! :rotfl:

So today...

• I will enjoy a relaxing Saturday.
• Aim for a NSD
• Online banking
• Check out freecycle and Quidco
• Finish puzzle section in trashy magazine and send it off
• Phone my nana using free minutes
• Enter all competitions in my wedding magazines....I won a tiara a couple of months ago!
• Write list of questions to ask wedding planner at our venue (free service!) Got a meeting there tomorrow afternoon
• Have friends coming over this evening - will stay in with wine!
• Be sparkly

xxx

WelshWoofer

Morning all! A nice brisk sunny day here up north so far....

Today I have/will...

• Eat store cupboard/freezer meals
• Walk to tesco to get 45 Euros changed back to Sterling to use as cash for the week to stop me getting more out of the cashpoint - alreay done got £33.80 in return but gave the Macmillan collectors outside the spare 80p
• Change small tub of pennies into voucher for MrT shopping - got £3.50ish - not much but it all helps
• Do washing and put it out on the line to try to dry soem while the suns out
• Clean house
• Stay in tonight with Dvd and bottle of wine
• Find cheapest place - heard about the 99p price - to put petrol in
• Phone mum on land line (free) rather than on mobile while I walk the dog - bad habit I need to stop
• Make cookies/hobnobs
• Not go to Mr Ts until tomorrow - always go on Saturday so stretching stuff out to Sunday (no problem, there's plenty in) and then stick to the list I've already written
• Walk dog again (he's already been out for an hour today) at tea time for more free exercise!

That's enough for today!

flowerscotland

morning everyone

where is my postman have any of you seen him :rotfl: im waiting on my car tax and I want to make sure I get it ok, and also my contact lenses, Im wearing my glasses at the mo :rolleyes:

Ok today I have

• checked online banking
• made £1 payment to my savings, cc, and catalogue
• I will do washing and hang on heaters, as its already on
• look through pigsback, quidco, etc
• pop down to asda for some veggies, there were loads on a stand for 50p yesterday, and i missed them :mad: I seen them ont he way out and I had a full trolley, and 2 dds, so I couldnt be bothered to go back :rotfl:

Thats it for me today, prob staying in, apart from nipping out to get the veg later, oh is at work, but he will be back around 3ish. DD still got a cold, so want to make sure she is ok for school on Monday.

Have a good weekend everyone :T

Marru

Good morning all,

For this weekend I have a todo list that is 40 lines long :eek:. But I will put here only what is relevant to being DFW:

I have:
- played free scratch cards
- got tickets for tonights bingonightlive
- done curly quizzes

I will:
- check online banking and update my spreadsheets and signature
- do all washing and put it outside
- check DD's old buggies and start advertising them to sell them
- start advertising locally some books I have to sell (paper + websites)
- put some stuff on eBid and eBay
- do MB
- make bread in BM, do filling from kidney beans and make into sandwiches into freezer for lunches for next week
- do some freelance work and send invoice for hours
- start sorting out old tax credit overpayment (that is incorrect)
- sort out papers for learning grant
- sort out papers for council (as not to have to pay C tax - full time student now)
- check whoopsies section when going to buy cheese
- check out Mr T eyetest offer
- update paperwork for DMP and contact creditors where necessary

That is for the whole weekend, wish me luck...

Marru

andan

Morning all, i have a shock announcememt, today i am only doing a tiny list!! I am having a bit of a day off and so i started with a lovely long lie in, at least it meant the heating was off!

So today's miniture list is:
-Have looked for mystery shops
-Have done some of case studies for counselling assignment
-Need to work through as many of case studies as poss before going out, only got a week to do a five thousand word assignment! Needs to be handed in on Wed!!
-Will sort through emails
-Will do any surveys
-Will do daily clicks
-Design some more advertising material for my business
-Work on nvq homework
-Go to friends to catch up with her, instead of meeting her in town and going shopping
-Will do some baking with her and eat some of it, so nice and cheap
-Will organise with her, a massage treatment for next week
-Will sort out advertising material and equipment for tonight and load up the car for tonight's pamper party
-Sort out mini consultation form for tonight
-Go to pamper party and do some massages which i will get paid for and then hand out some of my advertising material
-Will take some boose thats been in the cupboard for ages and really needs using up

Think thats it for me today, everyone have a great Saturday.

Kalojak, the driving is going ok thanks for asking. I still make the odd mistake but i'm mainly just getting so fed up with cars being right up the back of me or just going even if it is my right of way. I think the novelty of being able to drive has certainly worn off!!

Pippilongstocking

Morning all
Just a quickie as dashing out to do before work job and then drop DS off at birthday party -

This am
Made pepper and tomato soup with leftovers from kebabs and a slightly squishy pepper
Made pancakes to keep the rascals at bay with egg from my chookies
DS done his chores this week so he's got a bit pocket money, had negotiated internet time (for him) for wood chopping so all good he owes me an hour
Done tea list for the week
Written monthly shop figure on the bottom of it to remind me to be good
ADDED _ DO NOT BUY ANY SHOPPING we dont need it
Milk now delivered so no excuse to pop in for milk!!
Looking at feet stripey socks again - makes me laugh
Be a bit sparkly
Washing is draped oveer banister from bedding
Other washing in drying cupboard seems to work well
Visit the Jarls squad (BIg hairy vikings) who are parading in town today (FREE)
Go to boat burning tonight as well, free, dont use car so all good
Put some beer from freezer into the glass house as there are slugs eating my lettuce
Pot up the passionfruit that have germinated woo hoo
Have email with lady's planner for veggie garden for a year for 4 so look at that (thanks MSE lovely folk) - no email must pm her again its out in the ether somewhere
Look at 99p listings today and see if I can sell some plants
Didnt go out last night, feel a bit bad missing it, but I didn't spend anythinglast night and dont suppose they missed me really
Oh yeah check bank and write letter of complaint (forgot yesterday)
ADDED - washing on again
Checked out petrol and one of them has it at 1.09 OMG thats cheap for here

Thats it for me at the mo - glad to see MRSA with her pink socks on, SM go buy some nice ones, I will look out for some today as well - thanks for the thread it does make me smile and work harder

And yeah I want to be an elf too.....................(I ALREADY HAVE A DECENT SUPPLY OF SOCKS)

Pippilongstocking

My list skills must be improving, but then again Andan is having a 'day off'........have a great day everyone and hello waving to you all.