Wednesday 22/10/08 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
• go for swim and jacuzzi to use gym membership if I get time tonight
• finish putting together my 2 nieces hampers for xmas - made from sale goodies;)
• write out my xmas cards - will save me time nearer to xmas when I will be really busy at awork
• update my xmas spreadsheets - so far xmas has cost me £0:j :xmastree:

good morning everyone , feeling a little achey and snotty this morning think I may be getting the dreaded lurgy that is passing around here at the moment:o hope it doesn't last long I hate being ill.
Have a good day everyone, good luck to those with job interviews:D and hugs for anyone feeling low.

catch you later:D

Piquant_2

Morning Sophiesmum - oh I do hope I didn't give you the lurgy, I'd feel very guilty if it was me :o:o

I had the dreaded "lie down"cough last night, you know the one....everytime you doze off you start an air gasping cough that leaves tears running down your face and a throat like sandpaper. I spent what seemed like most the night arranging pillows to be able to sleep on a steep incline (I couldn't)

Well, the car's gone to the garage, so certainly not a no spend today. In fact, I think the credit card will have gone up next month, rather than down, which is very depressing!

Today I have/will

• stay at home and do housework
• wear pink and purple socks
• do washing at 30
• see how long I can avoid putting the heating on for - it hasn't gone on yet, but there's a frost out there today :eek:
• make an apple crumble
• continue with finances and see if I can find some extra somewhere
• find a better deal on my contents insurance

Ill be popping back all day to see you all - have a great day everyone

talliedebtbuster

Morning! Well i am up early today having managed to get the day off work! I have uni tonight though. Im not even dressed yet!

Plans for today, spending budget of 10 pounds to get bits for next 3 night shifts at work. Didnt do any reading again last night so going to get on with that...
My computer had been sent for delivery too already! So pleased, i should have it around monday i think!

Righty hope everyone has a great day, im off to be productive!
Back tonight!
Tallie

OliveOyl_2

Morning All :hello:
I do hope you start to feel better soon. Money saving takes energy, it's much harder when you're feeling below par. Frosty here too, I thought of Popeye who does a few lengths of his pool when he gets home from work each night, as I scraped the ice off the car this morning :rotfl: :rotfl:

Well today I have/will

• got a piggy click :rotfl: at this rate I'll qualify for my next voucher in 2010.
• Brought in lunch, despite standing at the kitchen counter begging myself to be allowed to have a takeaway today. (It's OK, I didn't let myself )
• Money is going to be REALLY tight next month, so I'll go through my spreadsheets tonight and see where I can squeeze some more. (Payday Friday)
• list stuff on e-bay, if I time it right, Popeye will have to pack them up when he's home next week
• LSD, rehearsal tonight, 20p for my coffee
• washing is currently line drying.

Have a good one everybody :A

debtfreesomeday

Morning all

Feeling a bit under the weather this morning too, will be glad when it's time to go home today.

DFW things to do today:

• Check online banking
• Post a book sold on Amazon yesterday - my first sale!:j
• Pay in £20 to reduce overdraft to £7 this month (was aiming for not going overdrawn but it didn't quite go to plan. Nearly there though...)
• Brought breakfast and lunch to work
• Got chicken out of freezer for no spend dinner
• Do budget sheet for next month
• Wait (impatiently) 2 more days 'til payday!

Think that's my lot today.

Have a great day everyone xx

petrafyde

Good morning, hope the snotty fever passes you by!

Today I have/will:

Check online banking
Try and smoke 10 cigarettes less than usual
Cupboardy lunch/tea (its getting bare!)
Package eBay parcels with recycled materials
Shred paper ready for papier mache piggies

savingforarainyday

Goodmorning everyone.

Its a really sunny day today and I wimped out of going to the allotment because I didn't want to get up at 5am so I could use the car.:mad:

So today will be a nsd
I will check my online banking
Check my ebay items and list 5 more
Visit Flylady thread
Hang washing done on economy 7
Get ds doing some maths and research for Essay
Ring British Airways about where to pack a rechargable drill (don't ask:rotfl:)
Book Car into garage for oil change and to fix bangy noise in back:eek:
Collect Invoices from client
Tidy Conservatory:rolleyes:(I messed it up)
Look at Bank Charge reclaiming
Read up about pension planning

Have a good day everyone:D

WelshWoofer

Morning all!
Brightening up here in Manchester after a wet and cold start.
Hope all are well and if not feel better soon!

Today I will/have....

• Brought lunch to work with me
• Made cookies from stuff in cupboards
• Have tea made from leftovers and storecupboard stuff
• Order stuff from Amazon for my sister (Xmas pressies) to use the free delivery if you spend £5 or more offer
• Check banks/quidco/CCs/surveys etc
• Wash jeans and dry on radiator/airer (didn't do this last night as I didn't have the heating on but its colder today)
• Cost up shopping list for next week - was hoping for less than £20!:rotfl:

Can't think of anything else but will try my bestest!
Have a good day
R x

mbaz

Morning all!

Probably not going to be the best dfw day for me today as I have lots of stuff to get for my little boy's birthday today.

I'm alsom going to get myself some flat shoes for my promotions work as I was in agony on Monday!

May do clicks and surveys if I get 5 mins!

Tidy the house!

That's it!

Have a good day all

Mx

Pippilongstocking

Moi today - hmm later posting - you early birds!! And all the sockists out there, mines are rainbow stripes over the knee - clearly stolen from DD.

Checking bank as we speak if I go quiet you know why
Avoid any nasty lurgys
Washing is on weahtr changable so heating might be used later - to dry the washing of course (?)
Two chookie eggs - woo hoo
DD back later
DS has a pal over both sleeping -aw bless
Argh is that the time
Write of course
um will add more later as I think of things

Had chinese last night (ahem) so wasnt a NSD, whoops - is our cupboards bursting at seems with food um yes whoops


College asked me if I can take an 'isles' student potentially for 20weeks - he is 16 will come in Sunday night and leave friday t time to go home - those of you with lodgers - how disruptive is it????
Deal would be 23 a night - for B and B - but he wants evening meal too - not sure how to add that bit on (?any ideas?) and he will go home every weekend - seemingly a nice quiet lad?? Any experience you guys - we have two spare rooms (one down stairs one up)
Its incredibly tempting - are lodgers a not too invasive route to extra cash??

bathgatebuyer

So far I've filed some of my financial letters and things from yesterday (to the FOS, the OFT, and Sainsburys);
Need to get in touch with BT to amend the date of my direct debits (I get paid on the 15th and they always take it off on the 14th - sometimes there's not enough money there );
Will enter some comps later.