tuesday 18/11/08 Wht 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
• swim and jacuzzi to use gym membership
• storecupboard meals
• try nd be sparkly

Good morning everyone, feeling a bit down this morning a friend on the £4000 thread has lost her husband to cancer in the early hours. and I am still feeling very raw about losing my brother. cancer is such a cruel disease:mad:

Make sure you appreciate the people tht you love in your life, you never know when they can be taken away from you.
Better go and put some sparkly socks on to try and cheer myself up bit:o

mickey_mouse

huuuuuuuuuuuge hugs to you Sophiesmum -I am so sorry to hear about your friend's husband and about your brother.


today I will be doing ...

- daily clicks
- comps
- sort of mystery shop
- been to the gym
- going to my craft club tonight so will be making more cards

have a good day everyone

mbaz

Morning all

Today I have/will

- checked online banking
- mystery shop
- rescheduled mystery shops
- signed up for another mystery shop
- queried nursery bill
- booked a bank shift at hospital
- go to library for books for kids and something to help me do my ucas application and to pick up DS book start pack
- cheque to pay in
- do some more baking
- shop @tesco using money off coupons
- clicks and surveys
- researched cheapest way to get bike for DS using cashback and discount codes

KTjazz

morning,

Big hugs to you Sophiesmum.

Well, after my busy shift last night I get to my bed, read a bit of my book, got to sleep only to have nightmares on and off all night... nothing related to the shift or anything. I think my brain was just too active, my head was buzzing.

onto my list

today I have/will

- check onlike banking, should be no change... still skint
- check mobile spend
- update my MSE diary
- store cupboard (and healthy) meals
- the washing I wasn't up to putting on last night
- ditto dishwasher over night
- call gym to cancel the class I booked in for (see diary for explanation) saves me a £2 cancellation fee if I do it with more than 2 hours to spare. I am still going to use my membership though, just in a different way
- go to orchestra (saving electricity in the house)
- get an early night with my library book and a cup of horlicks
- scare away the nightmare bringing monsters so I'm not so tired I start craving junk food again....

Big hugs to everyone.

KTjazz

MrsAudus2b

Hello eveyone! Well I have been awake for precisely 5 minutes...what a lazy bones! Unfortuntaley it was not a great sleep...I keep having the most bizarre dreams everynight, I might even have a chat with the doctor about it at my next appointment...I know it sounds silly, but it's starting to get to me!

Anyway, on to day....

• Google some stuff about dreams!
• Do quite a bit of housework - the new rabbit does like making mess!
• LSD
• Visit friend and her little 'un
• Have free lunch
• Visit friend who lives nearby
• Use less petrol than if at work
• Phone registrar to arrange appointment for wedding licence (use mobile - free minutes)
• Storecupboard tea
• Check online banking
• Say in tonight
• Cross my fingers all my travel expenses will have gone through...pay day tomorrow!

Have a good day everyone

xxxx

30dirtybirds

This is a great thread Sophiesmum,

So far today I have:

• Checked online banking.
• Done my scratchcards and earned 40p
• Done my Quidco click throughs and earned 10p
• Charging Mobile at work.

I intend to do:

• Some shopping @ Tescos with MOCs and reusing bags for CC points
• have 8p noodles for lunch (I love that quidco pays for lunch every day)
• Go for a nice long walk (so i'm not tempted to snack)
• Chicken and Mushroom Curry for dinner (using tescos 4p curry sauce)

MrsAudus2b

Sophiesmum, just read your post and am sending big hugs to you :grouphug:
I've recently taken one of my closest friends to hospital as she found a lump in her breast. Had all the scans, thankfully they don't think it is anyhing to worry about. Final results come through soon.
Sending you lots of sparkles xxxxx

Piquant_2

Sophiesmum - you are quite right about appreciating the people you love, just to add tell them you love them too, sometimes life is just so unfair, my love to you.

It is grey wet and muddy here today, so will have to put a lot of effort into sparkling, but will manage to.....

Well, I have another date :eek: am I mad or what.... that'll be drinks on friday night

Not much on my list today, just the normal

• confirmation of skintness from on-line bank - thanks:rolleyes:
• update spreadsheet
• go to library - didn't get there yesterday
• bought in breakfast and lunch
• post an amazon sale
• wash riding gear on 30

Be back later

Mythical

I opened and checked my bank statement today (a victory in itself - I didn't even open them for almost a year!) and discovered I'm still constantly spending more than I get - £15-£40 over every week!

Today, I'll pay my phone bill and rent (yay!) other than that I'll be spending nothing.
I'll be trying to discover where the hell all my money *still* goes and how I can stop it going there! (I'm thinking one day a week when I get to spend £5 or £10 on whatever - I just can't cope with not spending indefinitely!)
Trying to start some drawings, maybe get some portfolio ideas together so I can make a start with it on my BF's computer.
Find more jobs to apply for!

ElizabethJH

Hi, Hope everyone's day get more cheery

My little things today:
*Ate Breakfast at home.
*Free Tea from machine at work.
*Am getting £20 voucher for use in 2009 for organising Team Xmas Lunch.
*Using buy one get one free vouchers at Cafe Rouge.
*Have sent myself email to my home about Daily Clicks.
*Will write at least 10 reviews on Qype.
*Will validate all the vouchers websites I registered with yesterday.

Bit of a pricey day what with eating out, but I'd already arranged this (and a night tmw!) whilst my head was still buried in the sand.

Ooo and forgot have interview with agency about getting a job that pays more

Pippilongstocking

SM big hugs

Today
DOne NOTHING
DS left packed lunch on table, darling mother (me) rushed down in the car, caught the bus by parking precariously (?sp) turned of engine and dashed across road to give boy sandwiches

Car then wouldn't start - arghghghghgh - picture the scene, unwashed face, slipper crock things on (very slippy on wet flagstones it would seem) no coat no phone dd at home eating brekkie. (had only just brushed my teeth) had to dash home, rung aa - put on shoes, coat pick up phone, get bike out of garage (shouted at DD - poor thing - will say sorry later) - down road to wait for nice if amused man who sorted my car out - AA told me he would arrive at 9.20 (I!!!!!!!!!! phoned at 8.05 - not great for a damsel in distress)

Man turned up at 8.25 (orcadians are wonderful!!) he said it be sorted in a jiffy and it was, didnt sign anything as he told me to 'gae hame and get a heat lass' (go home and warm up!)

List later when I feel less arghghghggh and more ahem - got to work on time?!? How no idea.

Poor DD.
Will DS even thank me - I think not!