New Year's Day 1/01/09 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:

• menu plan for the rest of the week
• make a loaf in breadmaker
• check online banking
• get some curry/rice out freezer for OH to take to work
• update storecupboard inventory to add on all the tins of biscuits, xmas cakes, chocs etc we have been given over xmas
• make time to go swimming
• start all new spending diaries and spreadsheets:j
• reduce. reuse or recycle at least one item - today's item rehoming blender to friend:D
• Do one thing just for fun,
• sparkle,

Welcome to 2009 everyone, hope you all aren't suffering too much with hangovers;)
Not much planned here today, expect it will be quiet mostly until DD returns home from her friends shortly with a guaranteed hangover,and will have to be hustled out to stables to see to her horse before she can collapse in a heap for most of the day.
OH will be sleeping off his night shift so between them both there won't be much rivetting company here just lots of snoring:rotfl:
Enjoy your day everyone, catch up with you all later:D

halight

:beer: Happy new year all:beer: :j :j :j :j :j :j :j

Hi all,
Happy new year to evryone,
Today i will,
Cheak online banking,#
cheak quidco,
Do any online servays,
carry on sorting out stuff thats no longer needed to sell on ebay,

I hope that you all have a good day.
Enjoy

Paulgonnabedebtfree

£1.01 to GM Card.
Continue organising my home ready for the push to increase my income.

DawnW

Can I join in? Today I will:
- not spend anything
- use up leftovers for lunch and dinner
- plan meals for the rest of the week
- try not to eat too much of the Xmas rubbish still lying around, and get out for a walk with the dogs to walk off some of that already eaten:eek:

katie2407

HAPPY NEW YEAR EVERYONE
well today is a NSD
check on line banking
PAD £40 to credit card
do some clicks on cashbag sites
plan meals for the week from freezer and cupboard
plan to start to declutter spare room

Candy0107

Morning........HAPPY NEW YEAR!!!!!!! (very excited about New Year and the fresh start)

Today I will/have........
* Checked online banking - my pay (due tomorrow) is there. As I am paid weekly, and I have set my budget on 4 weekly paypackets, and there are 5 Friday's (payday) in January, I am going to move £100 into my bank account (emergency funds), and withdraw the remaining for a college course that I need to go on in February
* checked Quidco - I have been waiting for £110 since April :mad:
* sow veggie seeds
* checked lotto website - won £10 :j ....that pays for 5 weeks lottery
* I will make up a spreadsheet showing a spending diary and 'free' money (wombled tesco points, interest, overtime, quidco money etc)
* read the last couple of days on this thread

I wanted to say thanks to Sophiesmum for starting this thread, and thanks to everyone else on this thread (you make me laugh)


Take care
Candy xxx

mooomin

Hopefully everyone had a lovely time and is feeling positive about the year ahead. I have made my plans for 2009 and posted them on my thread - I make plans not resolutions as resolutions get broken :rotfl:

Anyway, today I have done/will do:

• [STRIKE]Check online banking[/STRIKE]
• [STRIKE]Make PAD[/STRIKE]
• [STRIKE]Check Quidco[/STRIKE] Now showing as over £20 in tracked money. Woo!
  
• Check Onepoll for surveys
• Washing
  
• [STRIKE]Take out something yummy for dinner from the freezer[/STRIKE]
• Tidy living room and put unneeded carp into a box for Ebay
  
• Sort out dry washing and put away in drawers
• Use sorting out of washing as an excuse to evaluate what clothes I do and don't need for the year ahead - time to clear some space!
• Go to the pictures with my free cinema card and remind t'other half to bring his student card
• Take half price sweets bought from Woolies closing down sale to the pictures
• List some more books on Amazon
• Sell some CDs on music magpie

I think that's quite a list for one lazy day I'll pop back in later and let you know if I have done anything from the list :rotfl:

andan

Happy New Year everyone, here is to a bright and prosperous new year. Hope everyone is having a great start to the new year. I have been up nice and bright and early, but its hard going with a sleeping OH!!

Hoping for a fairly productive day for the start of the new year.

Todays list:
-Have done daily scratch cards
-Have done lots of household jobs, including washing pots, emptying bins, cleaning kitchen
-Have sorted out and stuck in bits and pieces for childrens folders for work
-Have continued using up old beauty products, finished one perfume off and one body lotion today and worked on using up seven other old beauty products
-I have worked on next marketing strategies for business and did a review of the massage party last night
-All meals from storecupboard
-Will look at what veg i want to grow in my garden this year
-I have looked for mystery shops
-I will place a matched bet
-I will work on putting extra treatment on website
-I will look at other massage courses and work out if i can afford them
-I will tidy bedroom ready for a productive work space
-I will check online banking
-Sort out monthly finances, see what i owe my partner or what he owes me!!
-Pay council tax bill and credit card bill
-Read up on fave threads
-Go on freebie section
-Check freecycle
-Write my list of 101 things to do in 1001 days
-Work on new years resolutions
-Sort through emails
-Do any surveys i receive
-Use free minutes and texts to get in touch with friends and family
-Sign up to some more challenges and get up to date with challenges
-Work on next week's weekly plan
-Put money in sealed pot
-CREATE PERMISSION LETTER FOR NVQ, done in capitals as i keep forgetting to do this
-check on one child's folder and begin doing statements of their level of progress, need it for my nvq
-Read some of book for free entertainment
-Get two copies of tick sheet done for nvq
-Start creating letter to send out to schools
-Check out cheap travel to London for march
-check out cheap things to do in Cornwall
-List some items on amazon
-Check ebay for bike

Have a great day everyone and enjoy the start to the New Year, looking forward to our journey together.

lilly81

:beer: Happy New Year Everyone :beer:

Today I have/will:
*checked online banking
*earned £7.20 interest on Current Account
*transfered £7.20 to saving account
*looked over last years spreadsheets
*updated spreadsheets
*check Quidco
*register for surveys
*wash clothes and air dry
*take down xmas tree
*sort out where to store xmas tree
*look through all of my clothes
*use up tomatoes and sweetcorn that are about to go off-thinking pasta?

Have a good day everyone

Buzzbox

..... Happy New Year everyone! I slept through it all...

- Will not go anywhere today, so will have a NSD!
- Going to do some much needed washing
- Sort some paperwork out and recycle the rest
- Update blogs
- Check online banking / Income Sources
- Do some more research and planning for road trip!

csarina

I am not going out today so it should be nsd. I did manage to keep my finger off the button and did not buy those designs, but cannot say with all honesty that I will not buy them................

we will see..................