Tuesday 28/10/08 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 tea
• make a loaf in breadmaker
• go for swim and jacuzzi -to use gym membership
• not use car
• try and have a no spend day
• be sparkly - wicked witch socks again today:D

Morning everyone, very cold here today we had frost last night for first time. Quiet day planned at work so should get lots of paperwork done and need to sort out a few phone calls i keep putting off:rolleyes:
Hope you all have a good day - catch up with you later.:D

debtfreesomeday

Morning Sophiesmum and all who follow,

Cold and wintry here today too, although lovely and sunny at the moment...

Today I shall/have:

• Checked online banking & that CC payments have gone through
• Brought breakfast & lunch to work
• Washing on eco tonight
• Have another NSD
• Use free membership at gym
• Storecupboard dinner
Very small list for me today!

Have a great one all
xx

mickey_mouse

gooooooooooood morning everyone:D

cold and sunny here as well.

Today I will ...

- go to the gym (just been:D )
- do daily clicks
- comps
- see if there are any surveys needing doing
- have a nsd
- make more xmas cards

have a great day everyone

Miss_Piggy_2

Good morning all

I'm not a happy bunny today. I misjudged a cheque going into my bank and a direct debit going out. So now I have £38 in charges to pay :mad: NOT happy!!

But I WILL try and be good....so here goes

* Make some cakes instead of buy
* Send begging letter to bank about charges
* Collect parcel from post office - comp win hopefully!
* Washing at 30'c


Thats all I can think of so far as feeling grumpy. Will try and think of more later!

have good days all

Miss P

xx

Pippilongstocking

Its snowy its snowy its snowy

Apart from that - its snowy!!!!!!!!!!!

Today
Make snow men
Have snowball fights
Snow angels etc etc

Only kidding (not about the snow we do have snow)

Today
Um
Washing out, on AND DRYING (inside I hasten to add)
Grr to bank charges need to write a letter today as well
DS bDay pressie arrived yesterday and is hidden in garage, he he he
Bad night last night went out for 'treats' - lots of mini munches and 20 down later ........hmmmmmmmm
Socks are warm and silly (reindeers)
Do invoice for coo job finihsing today boo hoo
Lots work to do (not finished writing yet sigh)
Bake for weekend

Mr T has given me a 5p/ltr off petrol (we have no petrol here from MR T) GRRRRRR
Mr T has emailed me to offer a 10 quid e voucher for tesco direct (they dont deliver here either grrrrrrrrrrrrrrrrrrrrrrr)
Hangs head in manner of kevin walking off mutterings 'ITS SO UNFAIR'

Petrol is now at 1.09(.9) go us - not amused.

OOOOOOOH big fluffy flakes now..................bye xx

mcjordi

today i have:
checked online banking and made a payment towards council tax bill
going to go down adsa later on for some reduced stuff
clean up
cold and sunny here

WelshWoofer

Morning!
It was zero degrees and a hard frost when I walked the dog this morning. Then a slushy sleet shower on the way to work - lovely!

Anyway, today I will/have.....

• Brought lunch to work
• Make tea from storecupboard and freezer (tuna pasta bake and garlic bread)
• Check bank/cc/quidco
• Do any surveys sent (alomost up to another MrT voucher that will go towards Xmas food)
• Have a browse of the internet for Xmas pressies for mum and dad - ordered sister's yesterday (2 books, a CD and a DVD all for £24)
• Walk dog for free exercise
• Work out meal plan for next week - will be going to India for 6 days on Sunday 9th Nov with work so won't need much shopping after next weekend - OH can cope by himself with what's in)
• Tidy up bedroom - not much mess but I'm a bit of a fanatical cleaner

That's all I can think of for now
Have a good day - keep warm!

andan

Morning all, well i have had a fairly lazy start to the morning with a nice lie in!!

Miss piggy, shame about the bank charges, must be so annoying.

Ktjazz, how did it go last night on the helpline? Am sure you did a great job.

Well my list for today:
-I have filled in and completed two invoices, so at least i will get paid some money now!!
-I have emailed a mystery shopping company to find out what is going on with previous jobs that belonged to me! All sorted now
-I have made some improvements to my website and put a link in it so google can track it, give me more details. Now the hard bit of creating it is over, i still have to keep working on it so that it stays high up in the search engines!!
-Read up on how to optimise my website on search engines, as currently have no real idea!!
-Do two mystery shops including free lunch out
-Go to second job later
-Make meals from storecupboard
-Keep heating off as long as possible
-Unload car of all massage stuff, otherwise it will be very expensive to trapse around with me
-Check on freecycle for free things
-Check on ebay for trainers
-Check on ebay for more oils
-Work on massage case studies
-Do three concepts for counselling course
-Create diagram for counselling course, on the computer
-Write up my mystery shopping reports
-Check online banking
-Sort through emails
-Do any surveys received
-Send off self employment form
-Send off posters to student union, for my business
-Look on site for further business advice
-Sort out which courses i want to do for my business and when i can do them
-Update spreadsheets and challenges
-Create and print out invoice for cleaning job

Think thats it for me today, eveyone have a great day and catch up with you all later.

Baybee1984

Happy Tuesday everyone! Did everything on yesterdays list except comps..

My to-do list today, including all MSE bits is as followsss..

*[strike]Walk the school run[/strike]
*[strike]Cleaning[/strike]
*[strike]Check emails[/strike]
*Surveys / STP
*Enter some comps
*[STRIKE]Check online banking[/STRIKE]
*[strike]Use freebie moisturiser and shower gel[/strike]
*Turn off all plugs when not in use / unplug chargers
*Only 2 lights on in flat at any one time
*[STRIKE]ASDA delivery coming between 11-1[/STRIKE]
*Parents evening for DS
*Cash in 2 cheques from cashinmyfone @ PO
*Cash in £10 from spare change tub @ PO
*Send eBay parcel
*[STRIKE]Update yesterdays spend on blog[/STRIKE]
*Eat whats in
*[STRIKE]Check eBay / List 1 item on eBay[/STRIKE]
*Low spend day

KTjazz

Hello everyone!

Well, I surveved last night. I didn't get to really talk to anyone. It was a really quiet night and the only person I spoke to wanted to speak to someone else... I guess they were breaking us in gently.

So, onto my list for today

today I have/will

:staradmin do washing at 30 and hang up
:staradmin [STRIKE]work really hard and hopefully be noticed for doing so[/STRIKE]
:staradmin go to orchestra (using less electricity at home)
:staradmin hopefully pay orchestra subscription for the year while it is still at the cheap rate
:staradmin use carshare money to pay for orchestra subscription
:staradmin start once again with the abandoned tidy up
:staradmin sparkle and shimmer brightly
:staradmin only use the one cheap to run storage heater
:staradmin look online for cheap christmas presents (sneaking a look at my mum's amazon wishlist on my way past)
:staradmin continue reading latest library book (need to be finished by 11th Nov)
:staradmin [STRIKE]call up ILA and shout at them (politely) for not allowing my course learning centre to use my £100 allowance[/STRIKE]
:staradmin [STRIKE]check online banking (and panic about how much I have left)[/STRIKE]
:staradmin [STRIKE]check mobile phone spend[/STRIKE] (oops, nearing my limit)
:staradmin call about the replacement credit card that is lost in the post
:staradmin answer questions about dvd for my £5 after bwing stopped on the street yesterday
:staradmin [STRIKE]stop for fear of having a list worthy of competing with andan![/STRIKE]

Have a good day everyone!

KTjazz

Piquant_2

Morning everyone, hope you are all well and sparkly

Heavy frost last night meant the heating went on this morning, I had hoped to last to 1 November, but it's far too cold, just to prove a point!!

Does anyone know what happened to our elf?

Olive Oyl - have you decided on a [STRIKE]career in torture[/STRIKE],whether to join the gym, sounds a great idea if you like doing it

Miss Piggy, how annoying for you, will you be able to claim back the charges? Still inconvenient though

Snowmen Fay? you lucky thing to be able to play, I've come back to work today, thought I'd better...

Today I have/will

• check online banking, not available at the moment! not quite 24/7 eh?
• do something to my spreadsheet
• come to work
• bought in breakfast and lunch
• borrow stuff from andans list, I can't think of anything else at the moment

Hopefully will pop back later, see you all then!