Saturday 17/1/09 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:

• check online banking -
• update spreadsheets
• move money to savings
• Make a loaf in breadmaker
• storecupbpard meals
• clean flat with stardrops and microfibre cloths
• laundry hokey cokey for OH
• reduce, reuse,recycle one thing -
• do one thing just for fun -
• do something nice for someone else
• 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 Saturday, the weekend has arrived:j :j may have a trip into town later just for a mooch about, need to get eggs but apart from that not much else.:D
Orange and black stripey socks today (halloween feet!) they haven't been worn for a while so felt sorry for them;) .
Hve a great day everyone, see you later.


Spendaholic chic RE -EXPIRED CLUBCARD VOUCHERS _ contact customer services at clubcard - they can arrange to re issue the vouchers with new dates:D

Candy0107

Trying to be second - will edit post

Made it -

Hello everyone.....sorry I've not posted for a couple of days, I have been out after work, and I have been going to bed really early.

My recent DFW things are:

• an hours overtime before work each morning this week
• charged my phone up at work
• breakfast and lunch from home
• I think that I managed a couple of NSD's
• swept all my spare cash from my main bank accounts to savings accounts to get a bit more interest
• spoke to friends on facebook rather than texting/calling
• spoke to my supervisor (who was moving companies) on Thursday and jokingly asked are you looking for staff at your new place? - she has my details

Oh, I also signed up for college - not DFW but hwn I pass the course, I will be a qualified book keeper, so I should be able to earn more money.

Today I will:

• walk into town to meet a friend, and if the weather dries up, I will go for a walk with her rather if it is still raining, we will have a coffee
• go to the library and see if there is aything there that interests me
• try to have a LSD
• enter more cometitions online and through trashy magazines

I think that is about it
Take carem,
Candy xx

DawnW

Gosh, Third! Unheard of previously. Yesterday I took an unwanted Xmas present back to M&S and used the resultant credit note to buy some nice things in the food hall:j . Not sure if this counts as moneysaving (after all it was spending) but returned an item that I would never use in exchange for nice food for the whole family. There isn't a M&S store near us, so I had to make a special trip. However, I had to do an errand for work, and that means that I can claim back the train fare (esp as it was my day off really).
Today I have:
checked online banking
had lovely porridge and strawberries for breakfast (I have run out of bananas and had a reduced tin of strawberries in the cupboard so had some of those).

In a bit I will:
See to chooks
Tidy up a bit
Go to see my DD and her little one. What with work and her living some distance away, I don't see her that often, so looking forward to this.

Have a lovely day everyone :hello:

Candifloss_2

Good morning everyone

It's grey wet and miserable here, not nice

Anyways today i have/will

• List 20 items on ebay
• Out for Step-daughter 4's engagement meal later so will keep cost as low as possible
• Make lunch from store-cupboard
• check online banking
• update spreadsheets
• keep heating off as long as possible
• walk up & down the stairs for 20 mins to save joining a gym

Have a great day everyone

Candi

pixiechick99

Morning all, it's the weekend:j
Lovely and sunny here, so be nice to get out of the house later!
Here's a list for today....

• Daily scratchcards
• Washing on airers
• Give house a tidy up, clean and hoover
• Go to town with girls, try not to spend much, but do need work shoes as mine have holes in;)
• Post letter to HMRC to claim children's tax credit for 02/03 - worth a try
• Do meal plan ready to go food shopping tomorrow
• Try keep heating off til later on
• Online banking checked, all fine:p
• Buy niece a bday present, hopefully with M+S voucher and credit note
• Look for bargains in Boots sale
• College work...must do it as I'm going to start Foundation degree in Sept so need this course finished asap:D

Ok must get myself dressed:rotfl:

OliveOyl_2

YAY the weekend :j :j :j Morning All :hello:

Today I have/will

• shopping from menu/list
• change the carpet order to something cheaper
• clear clutter (mostly into loft )
• Sheets on, and will hang to dry
• Housework OS
• Paint bathroom with paint we already haveinstead of starting from scratch!

Boring domesticity - I LOVE it
M&S have a meal for 2 for £10 this weekend and I'm going to AVOID it (did 3 meals for me last time though, but I know I'd struggle to avoid other bargains )

raq

My hubby doing a bit over time which is great as we require further diesel and the kids hair needs desperately cutting .

mickey_mouse

Gooooooooooooooood Morning everyone:D

boring brown but warm socks on here
today I will be doing

- daily clicks
- scratchcards
- comps
- wii fit (done)
- playing tennis (if it stays dry)
-shopping around for cheap home insurance via quidco
- feeding Rasher the sealed pot
- having a nsd

have a great day everyone:D

sistercas

havent posted here for ages. but after answering someone elses post on another thread. I realised how important ' little' things are towards a debt free existence. so if you dont mind I will post on here a bit more frequently

today i will:

[STRIKE]check online banking[/STRIKE]
[STRIKE]transferred a few pounds into my savings account / from virtual savings club[/STRIKE]
heating is broken so no heating today ( until gasman turns up)
clean bathroom with stardrops
go to aldi on my own ( saves me a fortune )
cook something from freezer for tea

hope everyone has a great day

urg123

Good Morning Everyone

Thanks to SM for starting the thread this am (and every morning!).

The sun is shining, birds are singing, its my birthday next week and I am going on holiday!!!!!!!!:j

Been really busy this week - I am finishing off my evening course on thursday evenings which pretty much means I don't get to do anything DFW and last night I went to my voluntary role.

I am going on holiday on Monday so will be rushing around like a mad thing trying to get everything done! Here's my list

• Clear kitchen
• Clear bathroom
• Clear living room
• clear bedroom
• Vacuum
• washing and airer dry
• deal with handwashing
• ironing
• finish minutes for work as promised
• make a list for handluggage items
• grab some books from the 'unread' pile to take on hols (maybe books I don't want to keep so I can leave them behind if necessary)
• Register as self employed
• Finish packing
• Try on t-shirts to make sure they all fit and that I have enough for the week
• List outfits
• Call friends to complete arrangements for meal tonight to celebrate my birthday (which is while I am away!)
• Update holiday details and email to family.
• Transfer money to current account to cover a payment Done
• pack up some clutter and give to people who want it
• Find passport!!! Done
• Hope my cheque for my old phone arrives - £50 woo hoo! I wouldn't have even known about it without Martin! :money:
• Try and entertain BF who has done all of his packing as he has had the last three days off grrrrrr!
• Eat the perishables before we go and pack up the rest to give to parents/friends.

Okay - have to get on with mammoth list (not on Andan's scale) but will take ages.

Have a great day everyone.

urg x x

andan

Lovely blue skies here! Hope everyone is having a great start to the weekend, unfortunately i am coming down with another slight cold, the joys of working with children!

Great news on the course Candy.

Today is my cleaning day as i do not have to go anywhere today, which feels very nice!! So will be cleaning, getting up to date with things and working on my 101 things to do.

So today's list:
-I have cleaned kitchen and put away clean pots and bleached sink
-I have cleaned downstairs bathroom
-I have sneakily turned down the heating that OH insists on having on and no doubt we will continue to fight about it all day long!
-Sorted out all folders and paperwork under table, wondered where everything had got to!
-I have continued using up old beauty products
-Sorted out dry clothes and moved things around so they dry quicker, the joys of having a banister

Things to do today:
-I will clean upstairs bathroom
-Use spray bottle that will run out after cleaning bathroom and fill it up using flash and water that i have downstairs which has been there for ever!!
-Dust and polish lounger
-Hoover house
-Do daily scratch card
-Look for mystery shops
-Sign up for another daily scratch card
-Sign up to bingo port
-check freecycle
-Check freebie section
-Work through emails
-Do some surveys
-Make meals from storecupboards, so no doubt some wierd concoctions
-Check out offers on tesco, as am contemplating placing an order
-Have put money in sealed pot
-Will work on advertising and marketing ideas for business
-Print out continous consultation forms
-Create new consultation form for my business that reflects what i want on there
-Text friend back to confirm date for massage swap next week, means i get to practice my treatment so can soon start offering it.
-Read business site for advice
-Read fave threads
-Find out more bottles and carrier bags etc to take to tip, all part of 101 plus declutters home
-Sort out ebay stuff in cupboard that i want to get rid of and go through it
-Put ink in printer with refill, saves me buying one!
-Print out child study
-Update blog
-Look into free name a star after someone
-Do counselling diary 1
-Email company to complain about some stuff i bought off them
-Check credit card balances and interest rates so i can start paying them off
-Sort out and put away lose papers
-Write up language group stuff, did other work stuff instead of this yesterday
-Email person i have found on gumtree
-Post back lovefilm dvds instead of always forgetting!
-Sort out weekly plan for next week
-Check out spa things on last minute.com
-Check out cheap car insurance quotes again and see if i can buy yet
-Check out when car payments go out, ie mot, insurance and tax

Have a great Saturday everyone.