Mondy 1/12/08 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 done
• move some spare cash to savings done
• make a loaf in breadmaker done
• storecupboard lunch and tea done
• pay sealed pot money into bank:j done OH paid it in
• update spreadsheets done
• make some gingerbread biscuits
• go for swim and jacuzzi to use gym membership

Good morning everyone, cold and frosty here today. OH will be taking my car in for service and mot today, think everything should be okay:rolleyes: and when I get it back it will be valeted and lovely and clean until DD gets it full of horsey mud again:eek:
Hope you all have a good day, hugs to anyone feeling under the weather. Bagpuss hope the cold feels better:D
Hi to any new posters:hello: and hi to all the regular gang:hello: :hello: . Only 25 days to go now to xmas:santa2: :xmastree: .
Catch you all later x x

Miss_Piggy_2

Good morning all

December already! Up early today as off to do Mrs Mop job for brother and sister in law. Feeling a bit down as OH's reduced hours are starting to really affect us now. Working out figures last night was a nightmare and for the first time in five years I've had to ask my Sister-in-law to delay banking the rent cheque (only until Wednesday but still feel awful about it). Still, we have a warm roof over our head etc etc so I will try and count my blessings!

So, today is DEFINATELY a day for small dfw things.....

* Checked on-line banking (not pretty after having to buy OH's car tax last night:eek: )

* Do Mrs Mop job - my fuel paid for he week!

* Work out revised budget for December

* Work out how much our post christmas break is going to cost (actual break paid for but need to entertain kids while away. Lots of walks on windswept beaches I think!)

* Dig out some stuff to ebay

* Charge mobile at work

* Heating off for most of day as we are in and out

* Storecupboard dinner

* Do any surveys that come through

* Try and find time for some competitions

* Washing at 30'c and dry on airer

* Ironing later - that should keep me warm! :rotfl:

Thats all I can think of for now. Have good days all!!

Miss P
xx

Pippilongstocking

Hi there
for me today hmmmmmmmm

Order coal as we ran out and no one told me
Sort out some paperwork cos I am getting very near deadlines
Re-arrange meeting
Book train to york
Lodger tea done
Lodger room done
DO lodger bill cos that cheers up my monday mornings
Sort out laundry hokey cokey, round one already done

Too early to think straight - that's me for now

Bye xx

lilly81

Today i have/will:
*Check online bank done
*Go to bank to figure out who credited my account with £17.50
*Put cheque into my account
*use the 2 garlic n herb dips left from take away in dinner, was thinking pasta?done, yummy!
*DS has taken packed lunch to school, still waiting for benefit then its free school dinners :money:done
*Write weekly meal plan done
*Write shopping list done, £10.03, I hope I can stick to this
*Put all my appeal paperwork into a folder and write out my argument
*air dry washing done
* find some blender related recipes :j

You know your getting old when you get excited about a blender! :rotfl:

Its freezing here today so think I will do a load of cleaning to help me keep warm :eek: done

Have a good day everyone
Lilly x

Going to go to town tomorrow so will do my banking then and u the last of my birthday money to pay for my second hair cut this year

mickey_mouse

Goooooooooooooood Morning everyone

hugs to Miss Piggy -hope things get better soon

my list for today ...

-do daily clicks
-do comps
- go to the gym - done
- go xmas shopping and try to seek out bargains for pressies
- get my sealed pot ready for the start of the new challenge tomorrow
- do any surveys

boring brown but warm socks on today

hope everyone has a good day:D

juicygirl

Morning!

I'm off work today :j . So far I have:

-Joined the pay off £20k in 2009 challenge
-Claimed a £10 M&S voucher from Pigsback - Christmas dine in for 2 treat for me at the hubby coming up
-Checked online banking
-Watching Martin's cash clinic on LK today!

I'm am going to:

-Spend the day gutting my house to keep away from the shops done - I'm exhausted now!!!
-Stick to list when I pop to Asda later done
-Check my budget for the month done
-Look for surveys done two
-Spend some time on here looking for ideas done done done and will keep doing
-Ironing - maybe then I'll turn the heating off :rotfl:
-Posted old mobile off to Envirofone - got £47 for it

Have a good Monday everyone xxx

painted_lady

Hi guys, i have not posted over the weekend, but was still busy doing DFW related stuff.
Yesterday I
- made 6 christmas cakes, some will be presents, some will be eaten by DS & OH, I might get to taste a bit too
- took DS to park to feed hungary ducks, lake had frozen over, free entertainment for him
- made pan of stew using veg that has seen better days, helped keep us warm
-wrote christmas cards ready to post (I paid 30p for 30 cards in Smiths in January)
- using 2nd class stamps to post them

Today I
- have a mystery shop to do DONE and done report
- eat the stew for dinner, its still freezing and there is some left Gone
- doing a washload on 30 DONE
- dry on radiators (I am going ot be in most of day and have been unwell so need it on) DONE
- have a big ebay session this week, dont know if I will be doing that today, but do need to think about it
- post 2 amazon sales when I go to do mystery shop
- wrote chque to pay store card off, I pay it in full every month and get 5% cashback DONE
- actually, I need to chase up the cashback I was due in October I think DONE

UPDATE - I have joined £10 a day challenge
- I have spoken to my tenant re rent arrears (HB fault) assured him I wont evict him, especially as its so cold and christmas DONE
- he is going to apply for a grant for a new boiler APPLIED
- ordered a compost bin
- changed my phone to sim only deal on another network
- washed yesterdays washable nappies, ready to use again
- facilitated my return to work

Cornball

Morning my pets.

I've got the day off today. I'm treading dangerous waters though....going to Westfield, the new super shopping centre in West London. :eek: Wish me willpower!

So yes, today i have/will:

1) Check online banking.
2) Paid £443 to my Flexiloan.
3) Paid £1 to my ISA as part of the PAD challenge.
4) Comping.
5) Bake bread.
6) Wii fit.
7) Use my weekly train ticket to get to Westfield.
8) Try to control myself at Westfield!!:D:rolleyes:

Have a good one.

chunkytfg

today i will

-post another 5 dvd's sold via amazon(18 in last 7 days, £133!!!!)
- tesco's visit only getting sellotape and butter and nothing else!
-check online banking.
-finish clearing up mess after step son ripped radiator off the wall last night! fortunately no damage to carpets just his arm where i thumped him!!! LOL

ElizabethJH

Right I'm determined to make some money today!! Therefore tonight - I will *post 2 items on ebay for 7 days so next monday hopefully I'll be able to cash in that money.
*Find books to put on Amazon - haven't done this before... I have loads of books that I could put up there but I don't know whether they would actually sell?? Unknown titles etc... worth putting up still I guess
*Brought breakfast and lunch from home
*Paid £1.56 to CC
*Low spend Day - going to Primark at lunch to get some leg warmers or big socks for Berlin and that's it.

I'll be happy if I get those items on ebay - been meaning to do it for ages it's just such a pain!! I might put another dress up there as well which I think will sell for a bit.....

OliveOyl_2

Good Luck Cornball
Good morning All :hello:

Depends what age your little 'uns are Miss Piggy (piglets?) but walks are def. good especially in windswept bleak landscapes, hot chocolate on your return is then a real treat We talked about landscape affecting our moods the other night, cos friends are spending Christmas in remote part of Norfolk & I reckon a cold dry Christmas in Norfolk is perfect walking country. (I'm wittering here:o )

Anyway today:

• washing on at 30, and last nights load now on line to dry.
• HM soup for lunch
• Risotto from leftovers tonight
• will re-list books on Amazon
• go to gym and use their hot water/soap etc
• Skype OH :smileyhea (I ought to put that on here more often, it's saving us a fortune)
• make a list of things to do in the next 3 weeks before I fly out & join him for Christmas.
• make bread in the BM
• clean kitchen floor after a weekend of traipsing mud in and out as we've (almost) assembled the shed.......Hope to finish next weekend, if it is dry.

Have a good Monday everyone