Wednesday 19/11/08 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
• swim and jacuzzi to use gym membership
• storecupboard meals
• not use car
• try and have a no spend day
• more decluttering to charity shop

Good morning everyone, feeling much brighter today:D
Hope you all have a good day at work , or home. Fay - make sure .DS has his packed lunch this morning:rotfl:

Will catch up with you all later - have an office to sort out this morning:rolleyes:

Pippilongstocking

Hello all - yeah DS has his lunch.........

Well today
Cleaner starting so she's coming at 3ish - bit of a disruptive day for me (arent they all?)
Lodger room to do
Lunch from home
Tea from cupboards
Need tatties and polish - so need spend a wee bit
Fires on - heating off
OH is coming up and we are looking at radiators at the weekend.
Put ad on freecycle for oil fired plug in radiator thing.
Write up
Um not sure what else, am tired and not awake yet.


Do more analysis - one of my experiments is done and its shown that I didn't need to do what I was doing for 6 months - argh - a good result as it means its worked if you don't do it complicatedly......when you are very bored later I will tell of you of the horrors of stacking and restacking 3m wood bundles in sequence all beautifully numbered and replicated 104 times.....

Pippilongstocking

Wooooooooooooooooooo hooooooooooooooooooooooooo am second!!!!!!!!!

Norton_Blade

Good morning sophiesmum, anyone who's beaten me and anyone yet to appear

Lovely sunny morning here in Sheffield so I'm currently getting blinded at my computer.

Last night/this morning I have:

* Found some stuff for my dear other half to ebay for me.
* Brought mp3 player into work to charge.
* Storecupboard tea last night and storecupboard dinner today.
* Hopefully have a NSD same as yesterday (can't see me needing to buy anything today).
* Checked internet banking. Woo my wages have appeared.

Today I will:

* Get round to phoning ISA people. Couldn't be bothered yesterday!
* Do some more washing.
* Start packing for my long weekend away in that London
* Make a shopping list so I can get some food supplies tomorrow so we aren't paying corner shop prices when we're down there.

Hope everyone has a good day!

lilly81

Morning guys,
thanks for your support yesterday :cool:
today I have/will:
*sent DS to school with a packed lunch
*use childcare as I have just paid a month upfront :mad:
*ring Income support
*ring Housing benefit
*dust off my CV
*clean my flat!
* ring old electricity company about final bill

That's all for today, not bad for my first day jobless!
I have booked an appointment at CAB to talk about dismissal
Paid a cheque for £18 into my bank account which I had been carrying around with me for 3 weeks!

Hope ur all well

painted_lady

Hi everyone, I am up nice and early today (6.30) with DS who had a big 'un in his nappy (and down his leg).
I have already
- walked him to childminder and back this fine sunny morning, saving petrol and free exercise and fresh air
- both of us had porridge, should warm us through and keep us full till lunch

I am
- about to do a quick clean of house
- check some emails etc
- going for some tests at hospital later
- meeting a friend after for coffee might get a snack too
- going for curry night at our pub tonight, £5 for curry n pint, I paid last time, OH can pay tonight, I deserve a treat I have felt so bad all week
- might sort some more of them photos I keep mentionning

Hope everyone is well

MrsAudus2b

Good morning everyone! Wednesday already...my week of annual leave seems to be disappearing quickly! Hope everyone feeling OK today...sending my best clean socks to all who need them!

Today I have/will:

• Payday - whoop whoop!
• Spent the last 40 minutes re-jigging my budget - and will be able to put aside money for a girls night out next month!:j
• Paid £100 off c/c online
• Phoned bank and decreased o/d by £100
• Put aside money for car tax renewal (needed end dec)
• Wrote out envelopes for the month - food each week, petrol each week etc - and will take out money for them over next couple of days (I love doing this - an old school way of organising money but it works for me!)
• Washing at 30
• Dry over airer and doors
• Then another load
• Need couple of essentials from Tesco - no more than £4.00
• Link worker appointment at 11.30am
• Use much less petrol than if at work
• Going to friends this afternoon - helping her organise her finances and paperwork - she hides all bills etc and recently got into some trouble. However, armed with labels, paper, pens and envelopes, I shall do my best (I love organising/filling!)
• Free lunch there
• Not have heating at home on until tonight
• Storecupboard tea
• Must phone a couple offriends/family memebers today for catch up - use free minutes
• Print out home made voucher for sister xmas present
• Try and wrap some presents tonight
• Try and do christmas card list

That should be enough for now, have a good day all
xxxx

urg123

Hi Everyone

Looks like everyone has lots of productive things to do.

I'm feeling poorly today so haven't gone to work! What's really ridiculous is that I still feel I need to be doing something in between sleeps!

Today I will:

• stay in bed - it's warmer than having the heating on.
• a load of washing to dry on the airer.
• clear some of the papers in my 'reading' pile.
• Fill out the form the solicitor sent so I can get my Will sorted.
• Check banking and update spreadsheet accordingly.

Have a good day everyone.

URG x x

OliveOyl_2

Morning All :hello:
Ridiculously busy at the mo', I got onto this thread yesterday, half composed a post - and then had to run. Bloomin' work, keeps interrupting my MSE

So today (already been interrupted on composing this, so I better get a move on) I have/will

• paid off a credit card bill for OH's car repairs :mad: but will have earned £50 in John Lewis vouchers for using this card :beer: Registering the card on-line took SOOOO long that I didn't make myself lunch this morning
• charge phone at work
• supper is defrosting, but must think of a DFW way to have lunch....
• My cheap social life continues - 20p at rehearsal tonight but with a performance in a couple of weeks my diary is frighteningly full.
• Not really DFW, but life enhancing (:o ) our new shed arrives tomorrow and I'm hoping to get LOTS organised, when I've managed to assemble it (with the help of DS2) I did go through Quidco to buy it and shopped around a lot, saving £100.
• Off to the gym tonight before rehearsal - and will use their shower gel, shampoo & conditioner.

Have a lovely day everyone.:A

bathgatebuyer

I sent off my vouchers yesterday evening for the mp3 player out The Sun (using coupons collected by rescuing the paper from the recycling pile at work!);
Did actually buy the Sun today to get a free lunch from Baguette Express and a can of Relentless from Tesco;
Paid my Sainsburys credit card this morning;
Cancelling the entertainment pack on my BT Vision service (it was free for the first 6 months and I'm in month 7);
Writing to Egg to reclaim PPI;
Sending off the second letter to Natwest over £418 worth of bank charges.

Piquant_2

Morning all:hello:

Disaster!!! Making my lunch early this morning (6:30:eek:) the large, and I repeat the word large, packet of cous cous toppled over throwing it's contents over most of the kitchen. The wretched stuff is impossible to clear up with a dustpan and brush and as for using a damp cloth - don't..... I have cous cous in the corners, cous cous on the hob and cous cous in my slippers....

... and .... I had to spend 30p to spend a penny at the station, wasn't sure I could make it to work "30p" screeches Piquant in her best Victor Meldrew voice....

Hope all of you who feel unwell, get better soon!