Sunday 14/12/08 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
• storecupboard lunch and tea
• laundry hokey cokey
• finish cleaning flat with stardrops and microfibre cloths
• Try and have a no spend day
• Try and not use car - nope going to asda but only using grocery card so not spending cash:)
• batch cook curry for OH pack ups
• make a trifle for later using frozen reduced cream

Good morning fellow dfw's, early start this morning for me:D Lots to do.
Hve a good day everyone- enjoy the rest of your weekend.

See you later:D

mbaz

Morning!

Wow you are early today! Come to think of it so am I! OH's turn for lie in so I'm up with ds1!

Today I have/will

- drink at least 2 more mugs of coffee before 8am
- checked online banking
- daily scratchcard
- working at mini job 10-6
- check for mystery shops
- tidy up as coffee morning at mine tomorrow

That's it I think - have a good day everyone!

halight

Hi all.
Today i will
cheak online banking
cheak quidco,
do any online servays,
do my payment a day on my CC,
add up this weeks daily totels in my spending dairy.

enjoy your day evryone

mooomin

Good morning all

Today I will:

• Check online banking (Done, all is well)
• Make my PADs - Done, £9 total paid into card and overdraft, signature now looking quite nice!
• Have a birthday lunch at my friends house instead of us all going out for a meal - it was her birthday yesterday and mine tomorrow, so we're combining!
• Break into my birthday card from my mum early as it should contain an M&S giftcard. Head to their foodhall this morning and pick up a meal for a tenner and use it for Christmas dinner.
• Yet more washing at 30 degrees
• Tidy up the house a bit and try and find some stuff for Ebay
• Send t'other half into the loft in search of the Christmas tree. I'm not going up there. There be spiders

Have a lovely day all.

flying_fresian

fedupandskint

flying_fresian wrote: »

• Send t'other half into the loft in search of the Christmas tree. I'm not going up there. There be spiders

flying_fresian

Tell me about it, I'm having to brave as I'm on my own now, I just leave them and try and ignore them!! As if!!!

Morning early birds :hello:

Today my aims are;

Clean bathroom
Batch cook soup, tomato sauce and chicken stock and mince for cottage pie for freezing
Cook dine in for £10 for tea and put the cava away for Christmas day
Walk to supermarket and buy fruit for work next week (as forgot yesterday)
Package up sold ebay parcels for posting tomorrow
Check for online surveys
Get ready for 12 ebay items ending today!
Transfer paypal money for Christmas
Do Christmas food list and plan food shopping alongside supermarkt offers
Do washing on 30C
Watch free trial DVD tonight and return and cancel trial tomorrow

Have a little panic about cooking for Christmas!!

Ho ho ho! Not much to do then!! Will come back and have read later to see what else you are all doing/

painted_lady

Hi everyone,
I am planning on
- sorting through some important computer based stuff if little one has a sleep this afternoon
- buying some stuff for work, but will be able to claim back
- doing some laundry
- might wash the washable covers bit of the sofa for christmas
- get some ebay stuff ready to post tomorrow

cassey1

morning everyone,you are early today.
Today i wll/have
-Done WIi fit.
-NSD
-lunch from store cupboard.
-Tea from meal planner
-cycle to friends who live locally and deliver Christmas cards.
-Quick wash,drying on airer
-Use up vegs for HM soup.
-Must finish wrapping presents.
-write Christmas cards for work.
-put loose change in sealed pot.
-Send DH up to the loft for Christmas decs,i am not going up there.

Have a great day everyone,will catch up with you all later.

Pips_Mum

Hello All

Be brave Fedupandskint !!

So my aims for today:

• Finish unpacking the food shopping from yesterday, it seemed to be never ending but I was chuffed that I managed to get it all for £41!!!
• Done a Globaltestmarket survey.
• Have a NSD as I am not leaving the house.
• Cook a Roast dinner for me and OH for today and plate up same again for tomorrows tea.
• Watch Star Wars and Sky+ Elf for Free on TV rather than pay to rent them like we were going to.
• Make a loaf in the breadmaker.
• Sent a second chance offer on Ebay and hope they still would like the item, £8 in my pocket if they do!!

And if I have to chase that FLIPPING cat out of the Christmas tree one more time I swear I will sell him on Ebay!!!:mad: :mad:

urg123

Good morning everyone (she says sleepily).

Have only just got up! As usual I have such a long list and I never seem to get to the end of it!

So today I hope to:

• Complete report for work
• Ironing - there is a massive pile Done
• Wash the bedding and dry on the airer Done
• Make some sweets for Christmas gifts (i'm going to try the recipes for peppermint creams and bounty balls I found on the o/s board) Stage one of Bounty Balls complete!
• Collect cellophane bags and ribbon from cousin for free!
• Clean kitchen after the mess I make! Done
• Christmas cards - finish the ones that need posting and write the ones for people at work. Done
• Have a go at tidying the bedroom Done
• Save stuff from the computer onto the external hard drive
• Charge phone Done
• Have a nsd Done

Havea great day everyone - hope it's not as wet as was yesterday.

URG x x

andan

Did no one tell you lot its the weekend:eek:, your a right lot of early birds:D

Today is my relaxing day, so not doing much today, which is dfw, or focusing on my goals.

Today i have/will do:
-Both me and the OH had a lovely long lie in, so no gas and elec on
-Am off out for a free lunch courteousy of a pub mystery shop and will be catching up with a friend
-The pub is twenty miles away but i have combined it with three other trips, so when i split the petrol and time factor between the three things, its a lot less than it would be for one trip!
-Doing a massage swap with someone i trained with, so we will both have free treatments from one another, which will be good for the body.
-My friend then only lives one mile away from her, so i will go back round to my friend's house and give her a treatment and she will be paying me, so i get my petrol costs and some more back in the end!
-Will come home and write up report
-Sort out stuff for college tomorrow
-Unload car which is full of massage gear, don't want to drive around with that today or it will use up far too much petrol
-Sort through emails
-Do some surveys
-Check freecycle, hoping to hear back from someone who is giving away a bike, as would like to start sometimes cycling to work!
-Wrap partner's presents
-Write out Christmas cards to former clients
-Fill in gift vouchers for them, giving each client a 25% off voucher, to get them to come back to me, but will have to be redeemed by March.
-Read up one of the great threads on here, so many great ways to be money saving, if anyone is interested, here is the link, http://forums.moneysavingexpert.com/showthread.html?t=1295539&highlight=gas+electricity
-I have emailed the massage course back with my completed booking course, so should be able to get on it before they finish accepting the cheap bookings, on mon at midngiht
-Will do daily scratch card - I WON 50P!!!
-Try and buy Kitchen foil for radiators!!

Have a great Sunday eveyrone, not long till Christmas now

MrsAudus2b

Hello my lovely DFW friends! Well I had a fantasic night with my best friend last night...and only have a slight headache now! It was lots of fun and I spent well under budget :j Feel so much better too - the lurgy has finally left me!

My list:

• Did two lots of washing at 30 yesterday afternoon
• Also updated my finanical files/spreasheets. Re-jigged mine and OH's monthly budgets for the new year. Wanted to put this one on as I am very pleased with myself!
• Today I will catch up on this thread and have a nosy round rest of forum
• Have a NSD
• Not use any petrol
• OH wil be back from his weekend in old home town about lunchtime - chill out on the sofa later with a xmas DVD
• Upload some photos from last night to laptop and store on there rather than get them printed
• Phone nana using free minutes
• Phone grandad using free minutes
• Storecupbaord lunch and tea
• Make packed lunch for tomorrow and get work stuff ready

Happy sunday...11 days to go! :rudolf:

xxxx