Wednesday 12/11/08 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.

Today I will: check online banking
update spreadsheets
storecupboard meals - making soup for lunches
make a loaf in breadmaker
go for swim and jacuzzi to use gym membership
not use car
try and have a no spend day
continue de cluttering my wardrobe:eek: - I know there is clothes in there somewhere:o

Busy day ahead here, have an appraisal with my line manager:rolleyes: and then a big project meeting with social services this afternoon. Will probably miss lunch and run over my work hours so not looking forward to it.
Have a good day everyone:D

Miss_Piggy_2

Good morning Sophiesmum and all that follow!

Had a mega cleaning day yesterday so today is mine, all mine! Going to try and have a NSD. Wasn't too bad yesterday - just petrol (budgeted for) and £2.99 on a reduced Thomas the Tank Book in Borders.

Sophiesmum - hope you're work day doesn't go on too long
Piquant - hope you are feeling more positive today!
:grouphug: to all of those who are still feeling poorly

Heres my list for today:

* Enter Competitions
* Storecupboard / freezer dinner (a roast..yum yum)
* Three lots of washing at 30'c - line dry and airer dry
* Charge mobile at work
* Look for free delivery code for Tesco at end of month
* Check on-line banking
* Heating on as little one still chesty, but is on low and helping to dry washing
*
Have a good day all

Miss P
xx

mickey_mouse

Goooooooooooood Morning everyone:D

Sophiesmum - good luck for your appraisal
Miss Piggy - hope your little one gets better v soon

hugs to all

today I will

-go to the gym (been)
- do comps
- do daily clicks
- make xmas cards (seems an everlasting activity but it's fun)
- do some gardening (more free exercise)

have a great day:D

Exerbusi

I went in to work today to pick up £15 for a 45 minute session, and will be back in later to hopefully pick up more later!

I will investigate mystery shopping as a side-earner. I am not sure what kind of money I could expect to make, but £50 per month would pay for quite a lot of things!

debtfreesomeday

Morning all :wave:

Trying to jolly myself on into a good mood today, but aching like mad from the gym (it even hurts to sneeze!) and shocked how slowly the week is going - it's ONLY Wednesday!

Today I will/have:

• Checked online banking / CC / Quidco / surveys / Amazon / Ebay (phew!)
• Brought breakfast & lunch to work
• Put a casserole in the slow cooker this morning for tonight with ingredients we already had
• Walk to post office at lunch time, instead of driving, to post Amazon sale
• Enter a few more competitions
• Do wash on eco setting tonight
• Clean house through tonight and turn out more stuff for ebay
• Still keep my fingers, legs, toes and arms crossed our house purchase goes through!

Sure there's a few other bits but my brain aches to think of them at the moment...
Have a good day everyone xx

Pippilongstocking

Ola
Well as I have a lodger I am up from the crack of dawn (or so it seems)

Washing on, in and out and on again hanging very decoratively over the bannisters at the mo (hes out!)
Tea is out of the freezer - something chickeny I think
Fires on in wee sitting room
Find out how to bill college for lodger-blokey-man (henceforth known as LBM)
Make some pudding later with apples given from cat sitting
Check bank and pay somethign towards other credit card
Chase up OH for dishwasher money - he did say he'd pay it
Tidy up conservatory - and improve positive vibes of house
Perhaps have a shower later when no one in, its a race to the shower these days
See about free wood at college I did get some last year but seem to be out of the loop at the mo
Chase up cow bills as no payment again today (they pay on wednesday)
Write up and generally be a good student today
Get better - hardly slept last night, ergh
Collected soggy wood from around the garden (before 8am - go me) to stoke fire when out and keep it ticking over
If feeling energetic take doggies to beach as its been days since we have been
Feed chookies
More washing..............

Catch you all later - need pay the phone bill too argh is it never ending
collected copy xp for home pc
paid cc off
paid £200 - toward sofa ulposter lady
charging phone at work
drinking free tea

savingforarainyday

Good morning everyone, (feels like afternoon to me I was a B&Q at 7am buying wood and a loo) spending my ebay money.

I have visited the flylady thread and pledged to do my cleaning

I will check to see if I have payment for sold ebay item so i can post
I have checked online banking
I will file the remainder of my paperwork away
storecupboard tea, cupboard nearly empty
shopping list for tomorrow
Photo and list more ebay items
Check library books for return Friday(not very mse if i get a fine)
Help ds check he has everything to finish dreaded essay.
Reschedule appointment at gym for free session
Do lots of washing:eek: (at 30 degrees of course:D )

Well it doesn't look a lot, but I bet it takes me all day

chunkytfg

Morning all.

first day of a week and a half off work today so was hoping for a NSD but not going to happen as i have a nephew to get a prezzie for including wrapping it and getting it special deliveried up to sheffield by tommorow!

other than that

- Hopefully list some DVD's with amazon
- check online banking
- go and get bread and milk from tesco's so thats all thats bought!
- Drive to Stud farm to enter step daughter for dressage comp on fri.
- tack up pony and walk him to riding instructors for 3.30 so step daughter can have a practice before her comp on saturday.
- if i have time wash the truck

bathgatebuyer

Have checked my Credit Expert file and things have been updated overnight. Emailed them to place a notice of correction on my account to show the account as closed (which the Halifax should have done themselves);
Will do some comps later;
Need to post some ebay parcels;
Ordered a £10 Tesco voucher from Valued Opinions

newlywed

I walked to work (3 miles) instead of getting the bus - saving £1.80 bus fare.

I located another charity shop on my walk to work - it was shut, but noted for a future time (now buy most of my clothes from charity shops).

I brought my lunch with me.

I have a short lunch break today so not much chance of spending any money

I will drop my skirt over to mum for her to take in for me - saving the cost of a new skirt (lost weight)

mbaz

Morning all

Determined to have a better day today. To top it all off yesterday I managed to get a virus on PC from facebook. Luckily hubbie is a computer whizz and fixed it last night.

Today I have/will

- chase Halifax credit card for the refund they promised would be paid into my (now over-overdrawn) current account yesterday...
- check for mystery shops
- clicks and surveys
- start ucas application for uni (hoping to start Jan 2010 - apprently have to start applying now!)
- work tonight

and that's it I think! Have a good day all!

Mx