Monday 9/2/09 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
• move some money to savings
• storecupboard lunch and tea
• laundry hokey cokey for OH
• ironing for me
• reduce, reuse,recycle one thing
• clean one room in house to save having big clean at weekend
• swim and jacuzzi to use gym membership
• not use car - roads very icy anyway
• try and have a no spend day
• sparkle

Good morning lovely dfw's , Monday again - back to work day:rolleyes: , thanks everyone for keeping me entertained on the thread over the weekend:D .
Lots of people to contact today after the fire incident here at the wekend and lots of paperwork:rolleyes: so should keep me busy for the day.

Hugs to anyone feeling poorly - blackruby hope you are feeling a little better today .
Hi to all the regulars :hello: :hello: and welcome to any new posters :hello: :hello: .

Have a good day everyone whatever you are doing catch up with you all later.

DawnW

Morning!
Gosh, I am second at the moment, though I expect others are feverishly typing as we speak, and will beat me to it! It is raining, so the snow is melting at last, though we do have a severe weather warning for later today - though they can't make up their minds whether it will be heavy rain, sleet, or more snow :eek:

So far I have:
Checked online banking
Seen to animals
Am now having HM breakfast (porridge with stewed apple), taking care not to get it on the keyboard!

Later I will:
Go to work, as it is lovely Monday morning
Take packed lunch
Storecupboard/ leftovers supper

Have a good day everyone :j

debt_free_me

Woah, I may be second? Nope, third, lol :rotfl:

Just a quick one today as very busy and should be leaving work early as it's my lovely boyfriends birthday and he is all snuggled up in bed at his house and I am at work We are going to see Dylan Moran tonight which will be fun Spent £17 out of my £20 in London on Sat, didn't manage to only spend £10 but atleast I didn't spend the full £20, plus I got a £2 coin in the leftover money which will go in my pot along with the two I got this morning :j

So for today:
Have done my free scratch and won 50p so have now withdrawn my first £10.10 after just 2 weeks of playing, have left 10p in there so I can keep playing
Will check online banking
Check for mystery shops
Drive economically
Do my list for the week

Have a nice day everyone

MrsAudus2b

Good morning all!;)

Hope you are are all well on this rather grey morning.

My list for today:

• Go to work assessment
• Go to recycling tip on the way
• Get petrol for the week
• Don't buy anything else
• Lots of housework - upstairs and down
• Clean and feed the fish, rabbit and tortoise
• Got tortoise a large cabbage in reduced section last Thursday - 35p. Will keep him going for days!
• Enter competitions
• Heating off all day
• Storecupboard breakfast lunch and tea
• Staying in tonight
• Update diary
• Have a google later about dream meanings - I keep having dreams about dirty toilets!

Have a lovely day all - Andan I hope you had a lovely weekend with OH.

By the way, I wish I lived in Hampshre for a DFW meet!

xxxx

Pookie_lou

Good morning guys, an early post for me today, I have the day off, lots to do and typically I have a cold! :rolleyes:

Today I plan to

* Venture out before it snows again to post ebay parcels
* Hm soup for lunch
*Slow cooked casserole for dinner
*Laundry hokey cokey and will dry on the airer
*Check bank account and update spreadsheets
*List more on ebay and amazon
*Read newspapers on line
*Have a NSD
*tackle ever growing pile of ironing
*Do at least 10 comps as Ive been a bit slow with these lately
*Quidco clicks
*Clean bathroom with stardrops

Off for brekkie, have a good day everyone x

Pippilongstocking

Gooooooooooood morning
Tis I

Hope you are all ok.

Well today
Post lots and lots of parcels
ANd letters
Check bank
Remind lodger lady she might like to sign lease, give me a deposit and oh of course pay her first months rent before the second month is due
Phone cc nasty folk
Phone Capital one and remind them I did cancel my PPI in Nov last year - grrr
Do lots and lots and lots of work
Book ferry if I can might leave this til we know we are going pals currently under a foot and a bit of snow
Sort out some willow
Add on freecycle for a book case
Chase up lady who said she wanted DD bike from freecycle
Sort out MORE seeds - its a mucky job but someones got to do it
Eat some brekkie at work
INvoice for lodger chap and organise him being somewhere else on thursday cos we wont be home
Tea done - meatballs with added mystery ingredients (no feathers or beaks)

Thats me for the now - no doubt there will be a billion other things

waving
flower pig socks on today - he he he - and flower boots but a stripey top!!
Thank goodness I work with only men and they never notice anything that you wear ever.

ps v snowy here today -3 almost unheard of.

andan

Good morning guys, don't have to rush around as much this morning as i am at college. Hope everyone has had a good weekend and don't have the monday blues.

Things for today:
-No heating on this morning as there is only me and i am not bothered
-I will take meter readings later and input in site
-I have done daily scratch cards
-Continued using up old beauty products
-Off to college to do nvq
-Have packed food and drink so i don't eat any whilst out
-Go to free yoga class, have never been before and promised myself i would
-Post gift voucher that sold yesterday
-Buy some eggs so i can do some cheap baking, saves me buying cakes etc at the shops
-Do work out at gym so i get fit and healthy
-Do a mystery shop
-See if i can spend my own gift voucher in the shop and spend it on things i need
-Sort out equipment for massages tomorrow
-Phone client to remind him of his appointment
-Load up car
-Type us mystery shop report
-Look for more mystery shops
-Work through emails
-Do some surveys
-Update blog
-Check freebie section
-Check freecycle
-Work on O.U course
-Spend 15mins on marketing business
-Send back lovefilm dvds
-Check online banking
-Move money around
-Do some laundry hokey cokey on 30
-Hang up to dry instead of on radiators
-Keep heating off or on low
-Make meals from storecupboard
-sort out pile of letters
-Sort out details for next course which starts next week
-Read fave threads
-Update spreadsheets
-Put some lose change in sealed pot
-Organise tomorrow's mystery shop
-check business emails and optimsiation
-Work on golden rules for work
-Work on child study
-Work on 101 challenges
-Check spa days
-Check cheap travel
-Book tickets to visit family

Have a great day guys and will catch up with you all later.

shopaholic84

Morning all

Today i have/will:

• Check online banking and update spreadsheet
• Played free daily scratchcard, won 10p - £1 off from withdrawing £10
• Spend less than £1.50
• Send back online rental dvds to Blockbuster
• Sort out spreadsheets - and sort out lever arch folders with all my paperwork
• Look at cheap things to do whilst away for the weekend with OH
• Check Quidco

Have a great day all,
xx

csarina

Morning all............

I have checked the bank, all ok there......

Hopefully a NSD.

I have to go to the library to change books, will not be going into any shops though.

Well stocked up with fruit and veg incase it snows again tonight.

Thats it chaps, if it snows I will not be venturing out until the nasty stuff is gone!!!

Piquant_2

Morning all :hello:

Grey, rainy and miserable here at work today. Just a quick pop in, I'll read and join in with diaries at lunchtime.

Hope everyone is well or feeling better.

Today I have/will

• bought in breakfast and lunch
• set chilli off in slow cooker before I left for work, a good four meals worth in there!
• check online banking
• adjust spreadsheet
• find out what I paid off the card last month - very excited!
• charge phone
• write letter to bank to get debit card so I can withdraw scratchcard winnings
• pay off luncheon voucher savings - £9 off the card (used the vouchers on the shopping bill)
• update diary

That's all I can think of for now!

Paulgonnabedebtfree

Paid my tax bill online (9 days late so there will be a little bit of interest).
Paid my accountant online too.
Updated my spreadsheets. I don't like what I see but sometimes taking on a bit more debt is the only way around something. As long as I get my debts down to the 1/1/2009 level by mid - late March, I will be OK with that. Although it's been a rocky start due to unexpectedly high outlays and weather stopping me working a lot, I still have the 2012 Olympics as my target date for clearing my unsecured debts (average payback about £15,000 a year + interest). Maybe that will turn out to be a bit too hopeful but even if I miss the target, at least I will still have gone a long way to becoming debt free.