Thursday 22/1/09 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
• laundry hokey cokey for OH
• ironing for me
• reduce, reuse,recycle one thing
• sparkle - or at least try to-- only about a 10 watt sparkle today:o

Good morning dfw's, the dreaded lurgy has got a firm grip overnight, if I wasn't hosting a tenant forum at my court today I would be still in bed now:o somehow I have to get through it all and do lunches for about 40 people before I collapse in a heap this afternoon, will have to draft OH in to help I think.

Have a good day everyone, catch you later:D

pixiechick99

Very quick post before I rush to work.....
Todays list:

• Check online banking and move TC to spending account
• scratchcards
• NSD hopefully
• Write shopping list for Sunday as have done meal plan
• Heating off tonight again hopefully
• Tidy up to save me doing too much this weekend!
• Charge phone at work - I like this one;)

That's all for now...have a lovely, if wet, day!!:j

PS Sophiesmum hope you feel better soon

christhesparky_2

today i have,

checked online banking
recieved payments for 2 ebay items
printed postage labels using paypal so the postage costs come out of there
paid an extra payment off my credit card

Pippilongstocking

hi all
quick one here as well - poor you sophies mum - DS full of lurgy too - I slept on the couch in a vague attempt to save myself from it (hes tucked up in my bed) but I think I may have succumbed...............hugs to you today good luck with lunch xxxxx

Ta for the hugs last night.

Today
Exchange screws for the right ones to make wardrobe
Hopefully a pal will come over and show me how it goes together
Email lodger girl some photos house
Tea from freezer
Home for lunch
Hopefully do alot of writing
Silly odd socks on for greater luck
Speak to cleaner about doing a couple extra hours tomorrow
Check bank, wrote alot of cheques so need to make sure they are covered.
Paid CC yesterday so its now clear again - hurts though

Not sure what else at the moment - fridge freezers delivered today by nice folk selling them and I really need get the lodger room sorted

mbaz

Morning all

Today I have/will

checked online banking
Scratchcard
Clicks
Surveys
Check job websites
Baking
Tesco online shop with money off code

halight

Hi all,
Today i will/have done.
Chaek internet banking,
do payment a day on my CC,
my money from my redunacey went into my bank account yesterday. so iv got crediters for phone up to pay off my debt.
do any online servays
look for a new job

have a great day all

MrsAudus2b

Hi everyone :wave:

Hope everyone OK - Sophiesmum, feel better soon :A

I feel so much better after a decent sleep and much more positive about things:j

Today I will:

• Have a LSD - just trashy magazine and slimming world fee
• Enjoy relaxing on sofa filling in puzzle section
• Wrap up with a blanket rather than have fire on
• Have strorecupboard breakfast lunch and tea
• Phone two friends using free minutes for a catch up
• Use much less petrol than if at work
• Catch up on diaries
• Slimming World class tonight
• Pop and see nana beforehand
• Write out meal plan for the week and shopping list
• Contact C/C company to see if they will lower interest - would never have done this before but Martin suggests it on his credit card article. They will prob say no but if you don't try, you don't get!
• Check online banking
• Have a browse through the forums

That's probably it for now.

Love to all
xxx

lilly81

Morning guys,

Sophiesmum- I hope you feel better soon

OMG I have been given a creditcard! last time I had one of those was about 5 years ago wen the lady at CAB cut it up!
Plan is to only use it where I cant use cash e.g. to pay exam fees/tickets to go se my family etc...
As I'm fed up with having to ask my friends all the time. The APR is 34.9% :eek:
So plan to use it only wen I have the cash avaliable.

Today I have/will:
*check online bankng done
*update spreadsheet done
*update signature done-£25 less debt!
*use winter fuel payment to buy a halogen heater my sister has one I can have-will pick it up in 3 weeks when I go to stay :j
*go food shopping-friend coming for dinner on sunday so need some bits done but forgot tomatoes!
*sort out DS room will have to do this tommorow
*store cupboard meals done

will add more wen I think of it
Have a great day
Lilly X

hampsterpoo

Morning all, the sun is out somewhere but not here , grey and rainy and looks like its staying all day, so I need to find some inner sunshine today.:D

SM hope you feel better soon. and everyone esle who's poorly.

Today I have
checked ebay - one bid and a few watchers on other bits.:rolleyes:
Done daily scratcheezs - 25p + 50p :j
went to do Racecaller , and they have changed the rules AGAIN:eek: , so have to go back and try to figure it out , now need 2 winners a day:eek: to get the points.:mad:

Will do later
daily clicks:o
Racecaller :mad:
look on street to see if I can find any more pennies--3p yesterday:T
pigs comps:D

Happy thursday everyone:j

OliveOyl_2

Morning All:hello:

Lily81, credit cards aren't bad, but a useful tool if used properly.
(not like I used to.........) so well done on being credit worthy

Fayjmk - I hate to say this, but sort lodgers room has been appearing daily..... (please don't mention my lack of e-bay listing )

Hope today isn't too tough SM

So today I have/will:

• brought in lunch. (the sprout soup *gulp* )
• store cupboard supper
• scratch
• I will list 10 things on e-bay as I have been challenged/told to
• will transfer a balance to another 0% because I hadn't noticed it had expired :mad: But I have a virgin offer.
• look for mystery shop assignments.
• up-date my spreadsheets & do on-line banking now that I know my payrise

Pippilongstocking

Olive - oh no you spotted - got the furniture done at the weekend - slowly doing other bits - she arrives on saturday (afternoon). Thinking my drip drip approach will work better than all out panic! (I will be paniced tomorrow!!)

Still to do:
Build wardrobe once [strike]exchange screws in shop and meet with pal who will give me directions as to what it USE to look like[/strike]
[STRIKE]Iron cover for said wardrobe
Stop moving furniture around!!!!![/STRIKE]
Put up a blind
Clean the other manky venetian blinds
Clean the cupboards
Wax the furniture once cleaned - maybe varnish table its just plain wood?
[STRIKE]Clean, move and install the fridge freezer once our new one arrives tonight.[/STRIKE]
Give the whole place a thorough clean (might ask cleaner lady to do this tomorrow)
Take down picies that are in there
Hoover - Can't hoover til I exchange the old one for a new one.
Get some tourist info stuff for her as she's new to Orkney.
Get some new flowers as the other ones are a going to soon be a bit manky.

There you are so now I need to cross things off to make sure I do it all. Now I am motivated

Now what was that about ebay????????