Saturdy 8/11/08 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.
  
  Tody I will:
• check online banking
• update spreadsheets
• storecupboard meals
• clean house with stardrops and microfibre cloths
• fill car up at cheapest garage
• catch up on lots of posts on mse:D
• managed to save £228 last night on DD's insurance for her bike:jwhich i pay so happy with that.

Good morning everyone, bck to normal this morning after my little holiday. Lots of cleaning and washing to do:rolleyes: . Hope you ll have a good day and enjoy your weekend:j
Catch up with you all later:D

bathgatebuyer

I cancelled my life policy (following yesterday's agreement by the mortgage broker that I can cancel the 4 yr requirement to have this policy which I feel they duped me into to avoid paying them a fee when I renegotiated my mortgage) saving £25 a month;
Washing at 30 degrees;
Packaging up the clothes that got me £48 on Ebay (It was originally in a bag I was going to take to the charity shop) and will now be paying for some Xmas pressies;
Will be 'buying' an ipod docking station today with the £30 HMV vouchers from Pigsback - but will have to top it up with £10 of my own money - pah!

Edit - must add that I used my £5 Morrisons voucher for my groceries and also picked up a Shell Drivers Club reward card which gives me 50 airmiles just for registering it!! (Now got 710 airmiles and a little away from a free flight to London)

urg123

HI Sophiesmum,

Hope you had a great break.

Today I will be

• doing a mystery shop
• a load of washing to air-dry

Not much today - off to cousins to help with party for tonight. Need to get birthday card and pressie!

Have a good day everyone.
URG x

claireabelle_2

morning!
nice to have you back missus!

today i have a 30th... so nowhere near a nsd, am off to the races and will do the "bet on every other race" strategy, also we're entertaining at ours after rather than dancing and drinking out - staying in is the new going out

have a lovely day all!

savingforarainyday

Got up late. :mad:. Thought i would wake up at normal time, did I nothing

Glad you had a good break sophiesmum.

Today I will
Post 2 ebay parcels, before 11 so they go into todays post.
Hang my washing out, and put some more to do over night
a low spend day, I need cheese and margarine etc.
make gf pastry etc (this saves me a fortune rather than buy it)
a quick swoop round to make place look tidy.
Get chinchilla cage out hopefully somebody will collect it tomorrow.
Going to cook bacon for Scouts/Guide Firework Display,

Cornball

Morning all.

Today I will:

1) Have a no spend day! Haven't had one for a while as I always seem to spend a quid or two on something.
2) Bake cheese bread. Bought all the supplies with the last of my Sainsburys vouchers last night.
3) Figure out what to do with the value bag of peppers I got last night!
4) Budget my birthday money for my Holiday next month.
5) No heating on. I had it on last night as I couldn't get rid of the chill. Ended up sleeping half naked as I was so hot! :rolleyes:
6) Use up one of my cake mixes and freeze into single serving portions.
7) Exercise on the wii fit.
8) I registered on Ebay last week to buy a present for a friend and I am going to hunt around and see if i can sell anything.
9) Use up my Halloumi before it goes.
10) Christmas present budgetting.

Have a good one.

andan

Morning guys, glad to see you back in your rightful place sophiesmum. Well now that i have got the day back after my course fiasco, i am hoping to make the most of the day!!

So today i have/will:
-Put away clean pots and washed next lot of pots, using the last bit of hot water we had
-Removed dry clothes from radiators and put next lot on, again, taking advantage of the heat left over, we only have it on for an hour first thing, although it will probably go on again soon
-So, have kept the heating off for as long as poss
-Sorted out my cupboard containing alcohol, have moved some into fridge. I want to use up the alcohol that i haven't drank in ages or has gone past its best before date, instead of buying more wine as usual, so will save myself money and have some drinks i haven't had in ages!!
-Have also been using up beauty products that i have had for years, instead of using the more newer nicer ones!! Means i am not spending more money on products i don't need, plus it declutters the house!!
-I have made notes for assignment for counselling essay
-I have completed typing up my work for counselling presentation
-I have dowloaded some free accounting software for my business, so will help with the books
-I have saved all my counselling work onto my memory stick and now need to try it on my other computer to see whether it will actually work, because at present, no one can access it
-Need to text a friend regarding meeting up tomorrow evening at the pub, for free mystery shop
-Need to find and place a matched bet
-Look for more matched bets
-Pay council tax bill
-Go on freecylce for free things
-Continue working through emails
-Have loads of surveys to do
-Start writing counselling assignment
-Unpack few bags of bits and pieces and sort through letters
-Work on case study 3 for ear candling course
-Continue submitting website to online directories etc, so it will get higher up in the search engines
-Continue looking on ebay for smart pair of trainers
-Check ebay sales
-Make meals from left overs and store cupboard food
-Work on finding placment for counselling course
-Go on website for business advice
-Put money in payment a day pig for my hols
-Check online banking and move money around
-look for mystery shops
-sort out all work folders
-Write counselling diary
-Register as self employed online
-Have done homework chart
-Tidy bedroom so i have a productive work space
-Sort out mystery shops for tomorrow
-Sort out mystery shops for monday

Everyone have a great day and catch up with you all later.

Purple_Sparkles

I've had a stinking cold for a few days, feels like the one I had a couple of weeks ago has come back with a vengence.

Dug out my Eucalyptus oil to help unblock my stuffed up nose!
I'm meeting with some friends later and have baked a cake
Made a table decoration out of herbs and flowers from my garden
Turned the central heating off (my son has learnt how to switch it on) :eek:
I will repair the split in my skirt so I can wear it later today
I have a mystery shop to do
Aiming for a NSD
Make dinner out of whatever I find in the fridge/freezer/cupboards
Scraped all the bits of conditioner out of the free samples I've collected into a bottle and mixed it up - to me conditioner is conditioner - looks like I've got about 6 months worth :T
Claimed two £10 HMV vouchers - will give these to my nephew for Yule
Go through my box of gifts to see what else I may need to acquire (I won't put buy as I want to avoid spending) :rolleyes:

I hope you all have a great day

Bagpuss741

Today I have/will

1. Checked online banking
2. NSD apart from lottery which is budgeted for
3. Updated spreadsheets
4. Storecupboard meals
5. Taken dog for long walk in park and remembered to take drinks with me
6. Catch up on tv shows I have taped during week:o
7. Anatomy module 5:eek:

Bambywamby

Hullo lovely peeples

Today I will/have:

Work 6.5 hrs overtime.
List 4 things on Ebay.
Check online banking.
Paid up Capital One credit card (ye-ha!!!) and will be cancelling it, (one card down, three to go.)
Eating from cupboards.
Ordered online Asda grocery shopping (free delivery thanks to this site).
Wash pots; with smallest dribble of Fairy as taps are running to make lots of suds.
Started transferring from one credit card (17.7%) to a 0% for 14 months card.
Made three meals for three people from 500gms of lamb mince.

And that's all folks, I gotta go to work now...sob sob.

Nice to see you back SM, hope you had a nice time.

Tat ta Bam x

talliedebtbuster

Afternoon all! Well a productive day today for me sort of! Im looking around for xmas presents online today, im getting everything today so im done. I am aiming in 4 weeks time that i can put 1k away from my wages if im careful...wish me luck! I spoke to my mate about moving in and as much as im fed up living at home, she wants her own space and my shift work would drive us both mad! So im helping her find a studio and saving like mad to get my own place next summer. Thanks to everyone for their advice and support. It really helped.
So today!
I have been to the free trial for the gym though it was an awful one but free exercise!
I spent 12.00 today on tins sweets for xmas from Morrisons.they were on offer, some deodorant, packet of sweets and tumble dryer balls, they are meant ! But big sister won money on the premium bonds and gave me 12.50 so im 50p up today!!
· I picked up a free Asda magazine too to read
· Dinner from cupboards
· Tv night in
· Rest of today i am studying....
· Read newspapers/magazines at the library (30 secs walk!)
Sophiesmum. Great on the insurence saving!
Bathgatebuyer - thats a good saving on the life policy. Put it to good use!
Andan what a huge list today! Hope you get it all done.
Tallie x