Tuesday 27/1/09 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
• storecupbpard meals
• make a loaf in breadmaker
• laundry hokey cokey for OH
• ironing for me
• reduce, reuse,recycle one thing -
• sparkle -star socks today
• find time for swim and jacuzzi to use gym membership

Good morning everyone, got to rush this morning have my area manager dropping in and office is still in the middle of shredding and sorting so need to go and clear it up a little before she arrives.
Hope you all have a great day, hugs to anyone feeling poorly, and welcome to any new posters.

Will try and catch up at lunchtime:D

Candy0107

Yay I am second :j

Hello to everyone who posts today.

Today I have/will.....
breakfast and lunch from home

go to the gym after work, lift in, bus back

try not to spend any money at work (although I do get a free latte - might use that on Friday as a treat)

I am not doing any overtime today, as I am feeling really tired and I cant justify it at the moment

look at my debts, and project what I would need to save to make a lump sum payment towards them. I am aiming to get a debt figure of £9,999 by the end of the year - I just need to make an overpayment of £2k




I think that is about it - take care everyone.

Candy xxx

pixiechick99

Morning!!
Definitely need a NSD today as bought the darn DS yesterday....kind mother I am:o
Anyway...here we go for today....

• Check online bankin
• Scratchcards...2 x 10p, L/W is now on £9.90 so can withdraw v v soon:p
• Heating off early tonight
• Check that electric meter...keep forgetting:o
• NSD
• Charge phone at work
• College work tonight
• Dinner from meal plan
• Lunch/drink to work
• Post ebay parcels...money on it's way from Paypal (£60:j )
• Made loaf in BM last night so that'll feed girls after school:D

Have a good day everyone;)

Pippilongstocking

Hi Guys
Today
Hang up some washing and extract some from ds for the machine, i counted 8 towels in there last night
Tea is done from cupboards/freezer
Lodger no1 brekkie done, room to do
Lodger no 2 doesnt need owt so thats kinda cool
Need check bathroom
Lots work today argh
Check bank and keep checking it
Take some HM soup to work and doggies and go walk them at lunch
Do invoice for lodger
Charge phone at work

Waving to all you early ones and everyone who comes later!!

xx

MrsAudus2b

Morning everyone - Mrs A2B here, aka roadmap! (love it sophiesmum!)

Thank you so much for kind words last night :A
Things always seem so much better in the morning so feeling happier. And good advice taken sophiesmum - will think of debt as a % - may change my signiture at a later date!

I really would be lost without this thread!

Today I will:

• Having breakfast now
• Made packed lunch for work
• Off to work in a minute - office all day
• Checked Quidco - and my £90 from vodafone has been tracked
• Had a quick look on one of those 'cash your phone in' websites - should get about £25 for my old phone and an extra £5 doing it through quidco! This will be first job when new phone arrives (hopefully tomorrow)
• NSD
• Storecupboard tea
• Staying in tonight - Eastenders and Holby City
• Need to speak to mum about confirming one of her friends on the hen weekend. Will tell you all about great deal found when it is booked!
• Catch up with people using free texts

Love to all
xxx

OliveOyl_2

Morning All :hello:
Last few days of a v e r y long month

So today I have/will:

• brought in lunch (this has really saved money over the last couple of years I should be very proud of this ) Just leftovers because I couldn't get the breadmaker to work last night :eek: I gave it a thorough telling off (a la Basil Fawlty ) and left it overnight, full of ingredients. This morning it worked when I turned it on
• scratch'n'click
• update my Christmas 2009 list - can't BELIEVE I'm so far ahead :rotfl:
• a NSD - apart from my 20p tonight.
• Agreed not to make the 500 mile round trip to the outlaws this weekend, which will save fuel. But I'm merely postponing it until after I've visited Popey - so it'll be March. And instead I'll be feeding DS1, DS2 + DS1's gf as they are visiting me.

Not a lot I lead a quiet life

Yorkshirechick

Today I will

Have breakfast and lunch at home
Have a NSD
Turn the heating right down, and go on the cross trainer for 5 mins every time I need to get warm
Fill my flask with boiling water and make drinks out of that
Check online banking
Check Quidco

Think that's it for now...

phillipsdj

Morning all!

Today I will:

charge phone and iPod from work,
check online banking
submit at least 2 Dooyoo reviews
look into signing up to Qype*
Plus, last night I redeemed my 1st £5 voucher from BP!!

*can anybody give me advice on this? I looked at the site and it claims that anybody who joins now will not be eligible for the gifts when they reach the points total. Are the points usable for anything else?

I hope everyone has a good day!

Piquant_2

Morning everyone hope you are all well. Thanks as always SM for setting up the thread.

...and a special :hello:to Fay and Mrs A, haven't seen you around so much recently, missed you both.

...and a hug for Olive, you're doing so well, a real motivator!

I've just paid the £25 I saved on ppi across to the dreaded a&l card :Ahopefully I can do this every month. Anything to clear the thing faster!

Other than that today I will/have

• bought in breakfast and lunch
• not bought a coffee in on the way, even though I wanted one!
• check online banking
• adjust spreadsheet
• do some washing
• update diary
• charge phone

lilly81

Hi Guys,

Last night I met my friends in the bar at the cinema, and we knda stayed there! Didnt go n see a film :rotfl: Oh well I spent £5 less then I planned to but managed to oversleep this morning so had 10 minutes to get dressed and take DS to school! :rolleyes:
Today I have/will:
*check online banking done
*update spreadsheet done
*stick to meal plan done
*have a NSD done
*Wash and air dry clothes
*catch up on some sleep done

Lilly X

WelshWoofer

Morning all!

Nice dry day here in Manc - at least the morning dog walk wasn't a soggy one!

Today I will/have...

• Checked banks online - all still strangely healthy?
• Had brekkie at home
• Brought lunch to work - smelly egg sandwich and fruit:p
• Walk dog for free exercise
• Book groomer appointment for dog (£25 but well worth it)
• Have quorn spag bol for tea using up fresh bits and storecupboard ingredients
• Have a LSD (need some special shampoo but OK otherwise)
• Phone school about teacher work experience day
• Do some work!:o
• Do a freezer list (done)
• Start shopping list for next weekend - may be just a topup shop rather than a massive one as there's more in the freezer than I thought
• Find out whether I have to go to Germany next week with work - hope not!
• Find out when a funeral I have to go to is (not a close relative, an old neighbour) and book day off work

That's it for today
Have a good one!
That's it for today