Thursday 20/11/08 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 tea
• not use car
• try and have a no spend day
• cook lunch for oldies at work and eat for free
• start checking out car insurance - up for renewal

Hi to all the regulars:D and welcome to ny new posters:D
Hope you all have a good and productive day, off to work now and need to organise xmas programme of activities for my oldies, which involves lots of parties and xmas meals and lots of shopping!!!!
Fortunately I get to go to everything for free, unfortunately I am the one doing the shopping and cooking for it all. I have booked a weeks hols though between xms and new year to recover;)

Catch up with you later.

mickey_mouse

goooooooooooooooood Morning:D

enjoy all your organising Sophiesmum

today I will be doing...

-daily clicks
-comps
-lightspeed surveys
-making yet more xmas cards (should be the last lot)
-having a nsd

have a fun day everyone:D

MrsAudus2b

Good morning Sophiesmum and all who follow (let's see if I can type quick enough today to be second!)

Been looking forward to today for a while, first time in ages that I'm going into town and do a bit of shopping. Have a clear budget though so won't overspend and also a £5 high street voucher that I was sent in the post - sure it will come in handy

Today I have/will:

• Check online banking
• GP appointment 9.45am
• Use much less petrol than if at work
• Not put heating on until tonight
• When back from doctors, walk into town rather than drive and save on parking charges
• Close an old savings account at bank - got a better one for the wedding fund
• Cash in cheque from old energy company
• Post competition slip from local paper into Debhenams (£500 voucher prize)
• Finish niece/nephew xmas shopping (spend no more than £5 on this)
• Get a couple of bits for OH santa sack
• Take a sandwich into town so don't buy one
• Finish latest round of wedding magazines and put cuttings in scrapbook
• Still haven't done my catch up phone calls using free minutes - must do this tonight
• Storecupboard tea
• Write shopping list for tomorrow grocery shop
• Oh...and sparkle lots!

Have a great day all
xxx

MrsAudus2b

I knew I wouldn't make second! Have a good day mickey mouse x

mickey_mouse

sorry Mrs A - silly how excited i was to make second today:rotfl:

MrsAudus2b

:beer: for second! x

Pippilongstocking

Hiya
Well not second today either - oh well thought I was third but Mrs a beat me to it.

Today
Washing on in out and on again
Cooked tea chilli from vp stuff and freexer feed 5 for £1.50ish
Got lots of reduced stuff lastnight
Lodgers room done -
Checked electricity again, seem to be using alot at the mo
Check bank later
Take something in for lunch and dogs to walk them later
M and S one day sale today - so have a look at that - (go on you know you want too!!)
Work out a better time for cleaner lady to come cos last night it was a disaster (cleaning great) but having someone in between 3.30-6.30 nightmare house is far too busy at that time done this and thankfully wasnt too scary, she now coming friday's during day.
feed chookies
Check for eggs
not sure what else today!
Try have a NSD - had loads of spends lately.

Bye !!

mbaz

Morning all!

Hope everyone is ok today. DS1 is poorly today so no preschool so going to have a nice morning in.

Today I will also:

-make more mince pies (and freeze them to stop me eating them)
- mystery shops x2
- go to library for uni application book (if such a thing even exists) and for DS2 bookstart pack
- clicks and surveys
- check banking
- try and work out status of all my PPI reclaims (seem to have got stuck at ombudsman stage) and chase them up
- write to Halifax to complain about overdraft being taken without notice resulting in charge

and i think that,s it!

Have a good day all!

mcjordi

checked online banking -although im now on text banking aswell lol
paid a couple of bills
gonna get some xmas pressies
and updated snowball

weegie-dfw

I have listed 4 items on Ebay.
Written letter to reclaim Credit Card charges and interest.
Making lunch at home.
Walk to work.
made a payment to Cahoots.

mickey_mouse

mbaz -hope your DS1 is feeling better v soon - poor little guy