Tuesday 6/1/09 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:

• make a loaf in breadmaker - done
• check online banking - done
• move some money into savings - done
• update spreadsheets
• storecupboard meals
• swim and jacuzzi to use gym membership - didn't mamage time today
• reduce ,reuse, recycle at least one item -set up box for oldies to drop off their xmas cards, I will take and recycle at weekend(from 54 flats.
• do one thing for fun- painted toenails pink
• do something nice for someone else - gave my DD a lift to college instead of making her wait in cold for bus - great idea fay:)
• sparkle

Happy Tuesday everyone, still struggling to get into work mode, too many late nights I think:rolleyes:
Have good day everyone, hugs to any poorly people, lots of sparkles to anyone feeling down - wearing lilac socks with cows on today:D , hi to all the regulars and welcome to any new posters, can't believe the number of posts in the thread yesterday:eek: must be lots of new or returning dfw's bout this week.
Off to work now:o catch you all later:D

Sea78

Lol!!! Loving the lilac socks with cows!!! I might wear my bright pink with cats on in allegience!!

Today I will:
*check email throughout the day for surveys
*scratchcards - done
*check online banking - as soon as cheque cleared, swap some money over to barclaycard! - done, not cleared yet, although the 2 little survey ones have so transferred £4 over.
*storecupboard meals - going well, although as I'm at home today, I did have my packed lunch for breakfast haha.

Sea xxx

mickey_mouse

Goooooooooood Morning:D

no socks with animals on but have got pink and black fluffy stripey socks on:D

today I will

- do daily clicks
- do comps
- do scratchcard (10p)
- do wii fit
- go to craft club tonight

hugs to all

Pippilongstocking

Purple stripey for me abandoned my usual rainbow over the knee stripey ones at the momnet cos of xmas socks - don't dispair they will be back, impressive sock list thus far well done chaps.

Today
Fed lodger
Done the laundry hockey cokey - brother hung it out so theres a result
Need do a shopping list - still undone whoops
Made some soup with bendy veggies (shh not a word) - was yummy
Checked bank last night as some abusrd hour thus far all ok (ish) transferred some money to OH for a flight so I must be ok
Eating poached eggs for brekkie from my hens
Will:
shop responsibily - not just for treats (!) - didnt manage to shop responsibly - oh well got bits for tea quickly in a rush and I hate that
Do wii fitt well done MM will do this later with DD
Lunch with a pal I think - at the house soup and she brought some bread yum
Work butt off therefore keep job - good meeting and then rubbish reveiw form pah
Do lodger room - as usual towel on floor - oh well
Work out if I need a walky about phone, cos I seem to be using my mobile alot
Take in some Ikea bags to work for my free wood which is now starting again (bless the students in the carpentry department who stuff up cos I get the bits they botch - we all have to learn) - done
Pay the CC Lloyds - if I can clear it and use it this month for shopping - not done
Check on phone use not done
Check on electricity use not done
Read more of my book - time management for manic mums - not done yet will do in bed
speak to OH via email and free today - not free but a bit of work phone and emaiil so all good
um - sure there's lots more
Knicking things now - do something fun - lunch with a chum
Do something nice for me - poached eggies for brekie
Do something nice for someone else - magazine to a pal at work all good recycling
Sort out my seeds maybe - not done whoops maybe tomorrow

Hugs and smiles and sparkles

mickey_mouse

Fay what do you like doing on your Wii Fit the most.

I adore the boxing and the balance games are fun despite me being rubbish at them :rotfl:

OliveOyl_2

Morning All :hello: Thanks as usual Sophiesmum
I'm back in harness now and bbrrrr it's cold :eek:

Today I have/will:

• updated my signature (see below and ADMIRE ) but must add the challenges I'm now on.
• signed for my first MS of 2009 for tomorrow lunchtime
• done my banking, updated my spreadsheets and worked out what I must do (stop the spending I've been doing )
• make a menu plan and shopping list (too darn tired last night after travelling/working) which will include lots of freezer emptying this month
• take some clothes to the charity shop and get a £5 M&S voucher because I have 5 pairs of smart M&S trousers which I no longer wear. Am slightly tempted to take them to 3 different branches of this charity shop and see if I can get 3 vouchers (I have loads of other charity stuff, so it isn't 1 pair of trousers each time)
• clicks etc to be restarted.
• Must close the A&L account which I opened through Quidco a year ago and got £50, apparently I no longer qualify for the free banking and have been charged £5:eek: (I knew I was no longer complying with the terms but :eek: )

And I'm contemplatingstarting my own DFW diary, but I'm not sure as there are more than I can keep up with at the moment, though I found it helpful before, I worry that it would be self indulgent and not any help for anyone else.
Have a good day everybody :A

LilacPixie

MORINING

little miss sunshine socks here. toddler pixie is in peppa pig, baby pixie pink newborn socks with crocodiles!!!

today I have/will

Did scratchcards - done
check bank - done
sort out a list of letters to be done this week
join freecycle
check when mystery shop payment due.
plan diet!!!
look into what if any veg I can grow on a south facing balcony

lilian1977

Hello everyone

Work Xmas party last night (yes, I know it's January) so am feeling a bit fragile today. Only spent £4.99 on a bottle of wine though cause we had drinks vouchers so didn't spend too much!

Checked online banking - £2 from National Lottery has come back in so transferred to virtual sealed pot and updated signature.

Daily scratchcard - 10p only.

Shred British Gas meter reading request letter.

Brought in HM stew, HM salad, HM flapjack, crinkly satsuma to mix with OOD yoghurt.

Update spending diary with bottle of wine spend.

BF is at a play tonight so I will hopefully go straight home and have dinner from stores and watch uPlayer - hoping for 2nd NSD of Jan today!

Have a great day everyone xx

Pippilongstocking

OO - OMG how did you cut it that much - indulge yourself in a diary - go on (mrs doyle voice) you know you want to.......well done

MM - DD owns the wii I only borrow it - love the yoga (as I dont seem to manage to get to my class anymore) and the balance things with the marbles and the tightrope thing - rubbish at hoolahooping as I am in real life!!!

Lilaxpixie (cool name) good socks and on a south facing balcony you would be able to grow quite alot - how you thinking about doing it (am gardener to trade....) its great fun - if you need seeds let me know you any - i have stacks and stacks and stacks (in fact I may actually be a seed merchart storage place but I just don't know....)

Catch you all at lunchtime - x+

Piquant_2

Morning:j

Olive Oyl!!!! impressed...well done you!

Yesterday I saved a huge amount on my buildings insurance and car breakdown cover all documented in my diary so I won't bore you here, but I am very pleased with myself. Also received 77.65 from Quidco and I have straightaway transferred it across to the A&L debt :j

Other than that the list goes like this...
red tights not even I can wear socks with a skirt!
bought in breakfast and lunch
dinner in the slow cooker
library - didn't go yesterday
recycle something
do a fun thing - what though?????
do something nice for someone else - gave a colleague my chocolate biscuits!

back later - Piq

halight

Morning all,
Today i will/have done,
Cheak online banking,
cheak quidco,
do payment a day on my CC,
do any online servays.

Have a great day all