Wednesday 4/2/09 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, or staying 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
• transfer quidco money into savings pot - £71:j
• storecupboard lunch and tea-
• laundry hokey cokey for OH
• ironing for me
• reduce, reuse,recycle one thing -
• clean one room tonight so not much to do next weekend
• try and find time for swim and jacuzzi to use gym membership
• aim for no spend day
• sparkle - subdued black and grey stripey socks today

Good morning dfw's Still freezing here but no sign of more snow despite what weather man says.

Hugs to all those feeling poorly or fed up for any reason hope you feel better soon, and we are half way through the week so soon be weeked again:D

Hi to all the regular posters and welcome to any newbies - feel free to post away we may be a little mad on this thread but very nice with it;) .

Catch up with you all later:D

Pippilongstocking

Morning all - sure by the time this is typed I will be 7th not 2nd!!

Checked bank - wages in wooooooo hhooooooooo it was getting a bit tight
Tea underconstruction
Need do invoice for lodger chap with two extra days
Do some writing
Take extra milk to work save putting money in coffee money
Meeting a pal for lunch at college - so hope just a cheap bowl soup.
Or might take some....
Maybe more wii fit tonight
Charge phone at work
Put cheque in bank, not sure I can do that today bit busy


Waving to you all - hoping to finish my introduction today woooo hoooooooo. Hope you are all good.

Sneaklily sneak something from SM list - will put my quidco (£1.86) meagre but ok - into my savings account....ta SM xx

SM - 'sparkle - subdued black and grey stripey socks today' there is nothing subdued about stripey socks - sparkle sparkle

My socks um today not sure - big meeting which means stripey nonsense of some description...

DawnW

Morning everyone :wave:

So far I have:
Seen to animals
MS breakfast (toast and some of the lovely grapefruit marmalade I made yesterday) to avoid expensive and fattening snacks at work
Made packed lunch for work
Seen to animals
Checked online banking and moved £21.36 quidco money to savings

Later I will;
Go to work :sad:
Supper for OH and I from leftovers plus a jacket potato

Have a good day everyone

MrsAudus2b

Oooh, loving your smilies this morning SM!

Hope everyone ok - :hello:

Today I will:

• Check online banking acoounts
• Go to work
• Have a packed lunch
• Aim for a NSD - didn't manage yesterday but did only spend £1.29
• Check out any competitions
• Update diary
• Going to an Ann Summers party tonight with best friend She begged me to go as it's her OH's sister and she needs moral support! I have informed her I have no money for saucy purchases so will hopefully be a fun free night!
• Heating off till later
• Need to cash in car tax refund cheque
• Clear out car - may even help to limit petrol consumption

That's it for me
Love to all and catch up later
xx

OliveOyl_2

Morning All :hello:
SM, very exciting smilies today, thanks

Very snowy here still :snow_laug very cold too

So today I have/will:

• made lunch and even have some HM cake too
• supper from what we have.
• go to gym to use membership
• scratch'n'click -35p today
• will do online banking to ensure cc's are paid in full while I'm away (minimum goes out by DD, but the ones I use for spending* need to be cleared in full to avoid interest)
• pay cheque into bank
• washing on at 30 and line dried

*for those that are surprised that I use two cc'c, the one I prefer (American Express) because it gives me air miles isn't always acceptable, so I have a cashback one too.

Have a great day everyone :A

~Yorkshire_Belle~

My mantra for today...

Must do some work not be distracted by MSE
Must do some work not be distracted by MSE
Must do some work not be distracted by MSE

Will be back later to see if it worked

mbaz

Morning all

Did some paid babysitting last night so will use some of that money to take ds swimming while other ds is at preschool

will also

tidy and clean as aprents visiting tomorrow
LSD
clicks and surveys
plan meals
check onlne banking
so dome baking

and that's it!

Have a good day all!

Pippilongstocking

~Yorkshire_Belle~ wrote: »

My mantra for today...

Must do some work not be distracted by MSE
Must do some work not be distracted by MSE
Must do some work not be distracted by MSE

Will be back later to see if it worked

Ok now stealling something from YB as well - eek - busy day _ I will not be distracted by all the lovely folk here and will check in later!!:T

Miss_Piggy_2

Morning all!

Love the smilies SM....is that how you picture us all?:rotfl:

Another quiet day for me. little Piglet still poorly...currently laying on sofa under duvet. Not sure whats wrong with him (although NHS direct self help thingummy says he has Hand, Foot and Mouth :rotfl: :rotfl: )!!!!!!

Don't know if I will get to work later. Will wait and see how he's doing. In the meantime:

* Check on-line banking
* Wait for postman - should have two parcels for me :j Photo's from when cousin from NZ was here and Amazon books!

* Heating on low to keep Piglet cosy

* Washing - not at 30'c today as its clothes where Piglet threw up on me last night _pale_

* Dad just dropped in bottle of full sugar coke for Piglet (he's not eating and they always recommend it to replace salts in body etc) and he refused to take any money for it. bargain!

* Check for any surveys

*Storecupboard lunch and tea

Thats about it methinks. Having (another) lazy day!

Miss P
xx

Piquant_2

Morning everyone - love the icons SM

Think I will jump on the bandwagon and steal ideas, so will start with Yorkshire Belle's mantra! Just because work is horrible, I need the money and must not be distracted...

Still recreating the spreadsheet, it died yesterday and no amount of coaxing would bring it back to life, so spent lunchtime downloading figures from accounts. Today's lunchtime will be spent adding the various boxes for petrol, groceries, snowballs and the like - sigh....

Am wearing thick woolly peacock blue tights today, nice and warm but not sparkly

So, today I have or will

• bought in breakfast and lunch
• dinner from freezer
• update and recreate spreadsheet
• check online banking

update diary and read the other ones that came from this thread

Fay have you started your diary yet? please do, I love your stories that you post on here, it'll be great!!!:j

Piquant_2

Lots of love to piglet :heartsmil:heartsmil:heartsmil