Friday 12/12/08 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
• update spreadsheets
• make a loaf in breadmaker
• add some coins to sealed pot
• swim and jacuzzi to use gym membership - if I get time
• storecupbord lunch
• cook tea for oldes at work and eat for free
• check out any bargains at costco this morning when I go for work
• fill up with petrol at cheap garage on way
• laundry hokey cokey

good morning well it's Friday again:j :j :j the weeks seem to be flying by. Hi to all the regular posters and welcome to any newbies:D
Another cold and frosty day here, but not as cold as yesterday. Will need to be wearing some warm socks though;)
Hve a good day everyone.:D
Ctch up with you later:D

Miss_Piggy_2

Good morning Sophiesmum et al

Sophiesmum your problem with your "a" makes me chuckle of a morning...please don't fix it!

Its friday ! Woo hoo!! Hubby finishing at 1pm today (not actually a good thing as it means no overtime) but it gives my mum an afternoon off of having my little one. AND he's having him tomorrow morning so me and Mum can go into town in peace. Lovely, lovely man!

Anyway, here's todays list.

* Washing drying on airers
* Storecupboard Dinner
* Check on-line banking:eek:
* £1 into sealed pot
* Transferred £4 to internet savings (to go towards extra payment to dmp)
* Update diary
* Source some cheap biccies for drivers at work
* Sort out craft stuff for step-kids to make xmas cards later

All I can think of for now.

Have good friday's everyone....nearly the weekend!!

Miss P
xx

csarina

Morning all.............


Was hoping this would be a no spend day but no such luck, OH is having a milk drink each night, so have almost gone through my months supply of milk.

Other than that:-

Check internet banking - done, Money updated.

Check CC - done eeeekkkkkkkkk have I really spent that much, hey ho....O/D wont go doen by much this month. Promise to do better next month. CC going in a bag in the freezer.

Get out Bol sauce for supper tonight - done.

Check my Quidco account - waiting for Lloyds to pay out for car insurance taken out in July £60.

Thats about it for today. We have an appointment for OH at the hospital this afternoon, transport arranged, refuse to pay extortionate car parking fees. Apart from which OH cannot walk far at the moment.

savingforarainyday

Good morning people., it is freeeeeezing here. I am wearing vibrant pink socks and matching scarf..........I am wearing other clothes as well

Today I will check online banking
submit accounts to companies house online:j
Go into town and buy last minute presents 3 left to get
Take ds to get walking boots for next week
Pottery
Allotment to fetch some brussels on way back, saving petrol
Washing on airer, radiator, outside on line under cover
Tidy conservatory
Put Rainbow Filing away
Ring Friend to arrange meeting up next week to swap crimbo pressies
Ring maplin to see if camcorder ds ordered has come in.
Hoover, been avoiding this all week;)
Another ebay box into loft
Ring round to arrange dropping off presents
Bread in bread maker
collect gf bread prescription for holiday

I will be back later:D

lilly81

Hi Guys,

Today its freezing again :rolleyes:

Today I will:
*Check online bank
*look for work
*sign up to an employment agency
*Clean my whole flat
*sign up for mystery shopper work


I am thinking of volunteering one day a week doing admin work, just to keep me busy!

Thats all for now

Lilly X

mickey_mouse

Goooooooooooooood Morning everyone:D

brrrrrrrrrr it is cold her down South. looks at socks -pink fluffy ones today

Lily good luck with the job hunting

today I will ...

-do clicks
- do comps
- laundry hokey kokey
- spend a £25 Woolworths voucher i found -if there is anything left in Woolies to buy
- finish wrapping xmas pressies
- enjoy tennis club xmas meal which has been already budgetted and paid for

have a good day everyone

mooomin

Good morning all

Today I will:

• Update my new DFW diary
• Check online banking
• Check Barclaycard balance
• Make £1.50 to Pay Off the Overdraft Account
• Pay £2 from Barclaycard
• Put £1 into Sealed Pot
• Do washing at 30 degrees
• Make dinner before I go to the pub so that I have something to eat when I come home instead of staggering to the Chinese at the end of the street
• Not spend more than my allotted tenner at the pub when I meet my friend for cocktails
• Tidy flat and start filling a box for Ebay
• *edit* finish my Christmas shopping using no more than the £20 vouchers in my purse and the £10 left in my allocated Christmas fund

Have a lovely Friday all.

flying_fresian

judi24

Morning - mind if i join in?
I've been on night shift - on again tonight - so probably won't leave the house so no spend day!
Checked on-line banking and CC account
Dinner tonight will be something from the freezer (just going to look now!)
Not much else for me today!

bathgatebuyer

Will have to buy a birthday card for my Uncle whose birthday it is tomorrow - but I'll be at the 2 for a pound at Poundland!
Will have a cheap dinner tonight;
Didn't go to the office xmas party last night so saved about £100 in total;
Will do some comps later.

painted_lady

Hi everyone, I havent had chance to post for the last few days, busy with work and stuff, totally feeling myself falling of the wagon too.
Sophiesmum, our old lap top kept loosing keys, we downloaded a programme called keytweak (for free) and you can reprogramme another key to do that function, we used the key under and to the left of the a (\|) as that doesnt get used. However, the x key a shift key and the caps lock also evenutally went, as did the port where you charge the battery up from, so we got another one in the end.
OK, MSE things for me today will include
- chasing up some phone calls when DS has his sleep
- going on work christmas do tonight but might drive and only having the meal, not going out with them after
-package some ebay parcels
-post said ebay parcels (should have done that by now)

Paulgonnabedebtfree

Updated my spending spreadsheet.

Paid an extra fiver to GMCard (this is my cheapest card at 4.9% but will be reverting to 14.9% in May. My other card debts are 5.9% to 7.9% LOB deals so that's why I'm attacking the apparently cheapest debt first).

Written a cancellation letter to one of my larger customers. This may seem an odd thing to post on DFW but this customer has nibbled away at reducing my charges for sometime past and has also nibbled away at my self esteem with irritating jibes. Also, arranging access on some of the work had become quite a problem. Although I still have gaps in my workload, I know I could earn better elsewhere without having either my rates or my currently fragile self esteem eroded. This was a high maintenance customer who thought they could get reduced rates by volume of work. However, if that work becomes less and less accessible (thereby causing me to take longer to do the job for the same money), then there comes a point whewre it's time to move on. I'm not saying bad things about this customer (though the occasional jibes sometimes proved very irritating) as they were just trying to get the best possible deal for their business - as they are entitled to. However, getting a deal off a big company who can absorb the cost is one thing but nibbling away at the sole trader's hourly rate is quite another (I would say that , wouldn't I? ) Losing £1,200 - £1,300 a year from my turnover is a small price to pay for peace of mind. Also, I'm not a complete fool and do have other work coming in that will replace this. Although money is very important to me, not everyone appreciates that the other great thing about being self-employed is that, within certain limits, I can choose my working environment. Unfortunately, this customer had been exceeding these limits for some time past. To the customer, it will look like a sudden decision but, in reality, I have been weighing up my options since last Spring.

That got a bit long winded didn't it but I needed to write it. Now that I have written it down, I am more convinced that I am doing the right thing for me personally and for my small business. Basically, it's an average of £27 a week off my turnover which I can earn in about 60% of the time (with less hassle) elsewhere.