Monday 17/11/08 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.:D



Today I will:

• check online banking
• make a loaf in breadmaker
• storecupboard tea, lunch t work
• swim and jacuzzi to use gym membership
• try not to use car
• try and have no spend day
• sort and shred paperwork and add to compost bin
• make some flapjacks in remoska for DD and OH

Good morning everyone, happy Monday:D
Grey and wet day here today, I have my stripey socks on for motivation:D , hope you all have a good day at work or at home. Hugs to anyone feeling down or poorly - hope you pick up soon.

catch up with you all in a while, have to go and ring an engineer to fix dishwasher at work - feeding 40 at lunchtime and it decides to break down:mad: :mad:

Different_Corner

Morning
After receiving a horrendous electricity bill two weeks ago and monitoring our usage I see it's costing us £22 a week. So every monday I shall throw £22 into my online savings. Any interest is a bonus.

Have a good day

MrsAudus2b

Good morning everyone - no socks for me yet...I'm on holiday!:j

Came back from a lovely meal at my aunties last night with a rabbit complete with hutch and run! It was a rescue house rabbit, they have had him for a couple of months but he needs lots of love and hugs, they have too many animals to do this. OH fell in love with him and begged me to let me come to ours! They kindly gave us the hutch and run worth £80 and OH has assured me the bunny will be a MSE one....bless!

So today I will:

• Write a list of things needed from Pets at Home that OH will get after work
• Not use any petrol
• Have a NSD day
• Not use gas fire in lounge...instead have a lovely warm blanket on the sofa!
• Do some bits on a website my GP/link worker advised
• Do a bit of reading/research for job
• Spend an hour or so wrapping xmas presents (hopefully)
• Write out xmas card list (hopefully)
• Phone grandad and friend using free minutes
• Resarch a cheap hen night/weekend desintation (me, my 3 bridesmaids and my mum are researching two different places each and will meet in January to decide the best and cheapest option!)
• Storecupboard lunch and tea

Right thats enough to keep me busy, have a good day everyone

xxxx

debtfreesomeday

Morning all xx

Stripy socks for me today as well!

Today I will/have:

• Checked online banking / CC
• Check Quidco for tracked spend from Christmas shopping at the weekend
• Check for surveys / Amazon sales / ebay
• Enter a few more comps online
• Brought breakfast (free muesli sample!) & lunch to work
• Storecupboard dinner
• Use free gym membership tonight
• Update MSE diary
• Chase ebay payments

Am sure there's lots of other things but my brain is not in gear yet this morning!
Have a good one everyone xx

Miss_Piggy_2

Morning all!

Little boy looking much better today (although I'm shattered as he slept in our bed and is a real fidget!!). Because he was poorly I postponed my Mrs Mop job till tomorrow. Have to catch up on my washing and drying today :eek:

Sophiesmum hope they manage to fix your dishwasher!
MrsAudus2b - Good luck on finding a cheap hen night

Don't think much will be achieved today as disappearing under airers of washing but here goes!!

* TRY not to use the tumble drier (still cant bear thought of crawling under cupboards to plug it back in!!)

* Work out what presents to get OH for his birthday

* Do some competitions if I get time

* Storecupboard tea (along with some pork mum is giving me later)

Just had text from hubby - 5 more people have been laid off at his place this morning so I may have to start looking for a job for him. Its not looking good.

Anyway, hope you all have good Mondays!

Miss P
XX

Pippilongstocking

Morning - well its dry here so am already at desk.

Today:
Checked bank something up with my RBS log in I need to sort it as its my main account
Paid milk
Did electrol roll thingmy
CYCLED TO WORK (only 1km, but I usually just can't make it for a time thing) woo hoo go me
Thinking NSD til haze pal (next door) announced its her birthday argh
Tea from freezer
Pay a bit of loan from pal
Chase up cow payments
Put in first invoice for lodger (125 woo hoo) Its already written
Need more flowers for house, will look in garden first but think I might have to buy some from my secret stash (non wine fund)
Bought two lamps on ebay for £4 M and S ones so they should be nice
Book travel to york
Invoice expenses for Oban trip
Feed lodger - tea's done and many pudds in freezer so that keep him happy
RIng man about our heating I am sure £60 a week for oil is just not right
Start to tidy up conservatory
Start to sweep up leaves in garden free exercise and they are all off now.

Purple socks, flowery boots - catch you all later!

MrsA where do you fancy going - ?

savingforarainyday

Good morning Sophiesmum and Different_Corner and everyone else

Today I will
Check online Banking
Make Shepherds Pie for dinner from storecupboard
Check Bank statement
I am aiming at a nsd (think I will have to count these up each month)
Make bread for ds
Keep an eye on ebay I have some items finishing today.
List 5 more items.

I also must do some proper work
and help ds do read through of his essay.

I am also watching my electricity at the moment too. It does help me keep it down coz it makes me think about what we are using.

Have a good day folks

nickynoo08

Good morning everyone, what a miserable day today! Was going to go to town to get the last few bits for ds1's birthday but think i'll wait till tomoro instead and have a much needed NSD instead.

today i will/have.....

• checked online banking - o/d almost clear woo hoo!
• paid extra to my cc again - slowly but surely my bal is coming down
• do daily clicks and surveys
• write list of bits n bobs i need to get tomoro so i dont go overboard
• storecupboard dinner
• have cheeky free lunch and cuppa
• have an NSD
• check my leccy and gas readings

have a good day everyone

bathgatebuyer

I was up very early this morning paying money through online banking to my Sainsburys credit card - all others are paid by direct debit;
Entered a comp;
Noted in my financial files which direct debits have been paid;
Tried to pay my mobile bill but there was a fault with the Orange system so I couldn't;
Bought something on Ebay which will be a Xmas present;
Converted my Clubcard vouchers into Airmiles - and now have 830 miles so will be ready for a wee UK break at somepoint this year (which I can add to the 18,000 I have with BMI which will allow me to enjoy another)!

I feel a post-Xmas shopping trip to London coming on to spend some Xmas cash!!!!

mcjordi

update xmas list
hopefully nsd
send budget sheet off to crapitol one
try and list a few bits on ebay

painted_lady

Hi everyone, not been on here for a few days as I have been really upset, cant believe it, since september its been one thing after another, dont want to say what has happened as I am scared I am not as "hidden" as I think I am online.
Anyway, trying my best to get on with life, even though people keep putting me back!
Today I am
- wearing thick green warm socks!
- sat on a wheatbag to keep warm, very comforting and cheaper than CH

I will
- phone up HB for update regarding my tenant
- Phone somewhere for free legal advice
- give house a basic clean
- might do some ironing

Will update later