Friday 16/01/09 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 -
• update spreadsheets
• move money to savings
• Make a loaf in breadmaker
• lunch at work - travelling to new manager's court again to hand over
• storecupboad tea
• reduce, reuse,recycle one thing -
• do one thing just for fun -
• do something nice for someone else
• no spend day planned
• sparkle

Good morning dfw's, Have a great day everyone, hugs to all the poorly people and anyone feeling a bit down. Hi to any new posters and hi to all the regular posters:hello: :hello: :hello: Woo Hoo it's Friday!!!:D almost the weekend.
Off to new manager's court again today - hate driving on motorways
Have a good day everyone:D
Ctch you all later.

mickey_mouse

rushes in - wahooooooooooo I haven't been 2nd for ages:D

Gooooooooooooooooooooooood Morning

hugs to Sophiesmum

today I will be doing ...

- daily clicks
- comps
- daily scratchcard (£1 for logging in and 10p)
-keeping it lowish as i am out with my Mum today

have a great day

KTjazz

Hi Everyone!

short list today.

- check online banking
- charge mp3 player at work
- not go on my night out to save money
- continue with The Big Clearout seeing as I'll be in the flat.
- NSD?? (I've gotten really bad at these lately)
- washing at 30
- update MSE diary

Thats all for now. Happy friday everyone

KT. x

Norton_Blade

Morning.

Haven't been posting for a bit as I have been busy, busy, busy but I've been dropping in to read what you're all up to and remind myself to stay on-track.

My listy:

* Storecupboard breakfast, dinner (I was going to buy a sandwich today as a treat but I'm a Yorkshire lass and my tight nature won out in the end!) and tea. It would usually be takeaway night but we had chinese on Wednesday and our one-a-week rule is not to be broken! (Plus we're going to the pub tomorrow for dinner...)

* Charge phone and DS (Nintendo... I haven't suddenly spawned a plug-in child) at work.

* Check bank statements. I have £50 refunded into my current account for some reason that I am investigating (2 lots of football ticket refunds that I think I know what for and a refund from a failed top-up that I wasn't aware I had been billed for). Regardless of this refund, it's pay day on Monday and it's the first time I've had money left in my account come pay-day for about six months. This extra £50 is a bonus.

* Checked Quidco. Should be due about a tenner next month.

* Checked for surveys. None yet today but did loads yesterday.

* Washing at 30' later and drying on airer.

* Check for Qype goodies from postie.

* Take advantage of the free tea and coffee at work.

* Somehow get the annoying chant of "it's F....R-I-D-A-Y... it's Friday!" out of my head. I have internal cheerleaders (and mental problems I think!)

* Sparkle.

Have a good day everyone! Better go and do some work...

F....R-I-D-A-Y... it's Friday!

bathgatebuyer

Today is not going to be a good one!

Travelling home to see my Mum as it's her birthday today so £50 in petrol, but £10 for the perfume she wanted (if it's still on offer, if not, it will be more);
Got to search around Edinburgh for a golf cart battery for my grandad who is struggling without one (they're about £70 apparently);
Payday was yesterday, so I'm stocking up for the month too.

Edit - and reading everyone else's has reminded me to pay my credit card bill today. Phew!

OliveOyl_2

I broke my NS week yesterday, and I knew I'd have to confess on here.;)
My friend came round, I proudly prepared our meal in my new Remoska and then we Skype'd OH so she could catch up on his news too. About 40 minutes later I realised that I hadn't flicked a switch and our supper was still 1 hour away. I couldn't refuse her when she said "let's get a takeaway"

And then it kept me awake for much of the night because it was so much richer than my own cooking :rotfl:

So Good Morning here is my list for today:

• NSD
• brought in lunch (leftovers that I stopped her tipping into the bin :eek: )
• supper is already prepared (and some for tomorrow too )
• charged phone at work
• prepare a list of things I want to do over the weekend towards my challenges.
• Skype Popeye - this is FREE so I should include it in my MS
• *think* about getting back on e-bay - I do so hate doing it, but it's the best place for some of the stuff I have to sell. Must pay my 1p invoice though.

Have a good Friday everybody

Marru

Good morning!!

This is getting addictive so I am back again.

Have done
- free scratchcards - was able to withdraw 2x£10 today :j
- curly quizzes
- still no need to cook today as enough left overs in fridge to eat
- call about temporary directory distribution job (got myself on the list for future jobs - everything crossed now)
- Contact up to 8 recruitment agencies
- Withdraw money from TAB, finally!!!
- post sold thingy that I got free from 1po1nts - I love free money
- tidy away clean washing

Will do - tomorrow, have to give up now...
- check online banking
- update spreadsheets
- Send two job applications
- do some paid freelance work
- if time and/or energy check lightsp**d for surveys

I will get all the things done that have been dragged from day to day, I will get all the things done...

hampsterpoo

Morning all ,
grey and dull outside so I need to find some sparkle from somewhere.

Today mr postie has been and KP have sent me a £3 voucher for the mulitpack I complained about earlier this week. :beer:

The cat has eaten some of the expensive food but not from hin new shiney bowl or taken his meds , but its better than nothing.:cool:

Done dailyscratcheezs -free £1 for loging in +10p+10p :j
Will do daily clicks later:o
Racecaller
socks black
Lunch at work
Hokey cokey

Updated my signature yesterday, not MS but fun:rotfl: :rotfl: :rolleyes:

princess_loki

morning all!

much more cheerful today!

things already done!
- look on jobcentre plus - nothing new on there
- phoned credit card company about mystery £9.95 coming out - it was vista print - naughty people :mad: . have requested form from cc company and have e-mailed vista
- lovely lady from freecycle brought round two more rose bushes that she is having to dig up because of changing her garden round:A
- got loads of builders coming round today!! my neighbours will wonder what is going on after the firemen earlier in the week!!!!!

other aims for today:
- all food from stores
- tidy house
- do some gardening - depends on rain...
- phone anglian water about where the road digging men are - neighbours will definately start talking if they turn up too!!

that it for now!

hope everyone has a lovely friday!

loki x

MrsAudus2b

Good morning everyone...Friday whoop whoop! :j

Before writing my list I want to send big hugs to all those going to interviews, looking for jobs and who have recently lost jobs :grouphug: These are worrying and uncertain times so good luck to everyone. Crossing my fingers for you all xxx

Right then, today I have/will:

• Done the grocery shop
• Stuck to budget
• Wrote out menu plan for the week
• Checked online banking
• Stick to slimming world all day
• Had my first weigh in last night and lost 3 lb. I was a little disappointed as when I first ever joined slimming world in 2007 I lost 5 lb in the first week. Still, it's a good start!
• Paked lunch for work
• Off to work assessment in 30min
• Then office for rest of day
• Put all change left in purse into dining table savings pot...do not have a penny to my name now until Monday (payday)
• Staying in tonight and rest of weekend though so shouldn't be a problem
• Heating off until tonight
• List of things to do over weekend
• Start putting together my own receipe and meal ideas book - bought a 26p notebook in Tescos
• Sort out paperwork - haven't filed away any of our post since last weekend
• Pink and grey socks to match pink and grey outfit!
• Free phone calls and texts to ctah up with people
• Sparkle lots!

Lots of love
xxx

Queen_of_NO_MATTER_WHAT

Today I'm going to:

Do food plan for week,
Do food shopping and stick to budget
Have a personal no spend day (ie not spend out of my own personal budget, shopping budget is seperate)
I've checked my online banking
Eat my home made lunch and drink my tea bought in flask

That's all from me x