Wednesday 11/2/09 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
• try and have a no spend day - spent £1.50 yesterday on veggies
• Be very sparkly - silver star socks on today;)

Good morning lovely dfw's , bit chilly here this morning - yesterday was a bit strange cold but with glorious sunshine all day - so will see how today turns out at least the snow seems to have bogged off now.Back to normal at work today.
Hugs to anyone still poorly or feeling down hope you are soon back to normal.
Hi to any new posters and a big wave to all the regulars

Have a great day Rachel - hope taster day goes well

See you all later got to run

MrsAudus2b

Loving the ballon smiley SM...fantastic! :j

Good morning everyone :hello: I've woken up with a blooming horrible headache...and no alcohol consumption to blame it on! Just made another massive mug of tea...that should banish it!

Today I will:

• Check online banking
• Check freecycle
• Catch up on favourite diaries
• Update spending diary to show two recent cheques paid in
• NSD...even though I am desperate to buy a TV mag to read about new series of Mistresses starting next week....so can't wait!
• Drive carefully to conserve petrol
• Assessment at 10am
• Then office all day
• Packed lunch
• Update travel claim
• Storecupboard tea tonight
• Little bit of housework to keep on top of it all (another great idea from SM!)
• Watch Waterloo Road tonight
• Stuff ready for work tomorrow

Love to all
Catch up with you later
xxx

skint-student-nurse

good morning all!

im tired this morning,had a cheap night out last night,went bowling as it was £2 a game,instead of the usual £8! trying to get my brain in gear but my aims for today are:

• apply for jobs as its job day in the paper
• check work for any spare overtime going
• write out new budget spreadsheets for the flat...will save £220 p/m just by moving
• qucikly do housework before work and put any coins into my pot
• find an alertantive to music magpie as they only offered me £2.11 for 5 brand new + sealed dvds....
• have a light NSD where possible...i do need milk though
• sort out more items for sundays car boots sale
• store cupboard meals all day

hope everyone has a good day!

talliedebtbuster

Good morning all usual posters!! I am up semi early for a change!
Today should be a no spend day for me for once!!
I will
· Do remaining washing and dry on radiators
· Go to focus group tonight free meal and earn £20 in vouchers
· Read 3 uni articles and search for resources for essay
· Breakfast, lunch and dinner from home
· Look at new deals on boards
· Ive started to sealed pots, one for silver and one for coppers
· Search for cheap mothers day gift and card
· Plan to have next month payday the least amount of spending ever
MrsAudus..try a nice hot choc should clear it, hugs to you
This is it for now,,,drop in laters

phillipsdj

Morning all!!

Today I will:.....

Daily Scratchies
List an item on eBay:j (I had forgotten just how addicitive eBay is!!)
Charge my phone at work
Check for any surveys
Log on and look for mystery shops.
*edit* do at least 1 Dooyoo review. I have been very lax on this lately!

Have a lovely day everyone! :beer:

shopaholic84

Morning all,

Today i have/will:

* Check online banking
* Played free daily scratchcard - won 10p - only another 90p till i can withdraw £10
* Spend as little a possible today
*
Have a great day all,

xx

BusPass_2

Another blue sky this morning but there was more snow overnight and it is cold. However the sun is shining!!!

Today

I brought the car to work because I have to attend a meeting tonight. I'll get mileage so that will more than cover the cost of bringing the car to work and a free buffet at the meeting so that is tonight's tea sorted!
No spend day.
Home made sandwiches for lunch including flask of home made soup.
I will check bank balance at lunchtime.
Check savings account balances. No changes anticipated but it does fire me up to see credit balances.
Presently using soap and shampoo courtesy of hotels from previous weekend breaks so a little saving there.
Download Cafe Rouge free bottle of wine when you spend £20 offer. That'll do nicely for a meal out after our weekend break next week.
Good walk at lunchtime. Do some window shopping and congratulate myself on the money I am saving by not impulse buying.
Have a sneaky wee read at some of the newspapers in WH Smith. Saves buying them.
Just remembered that I have no Council Tax this month or next month. £320 saved!!!

Some might say I am pretty sad but it doesn't half make a difference to the old bank account.

Discipline and determination. Everyone can get there!!

Bambywamby

Morningggggg all

Today I will be:

having a NSD
posting three Ebay items
checking my bank & cc balances
listing three items on Ebay
work 11 hours overtime
take a packed lunch to work

Have a great day peeps

Bam x

OberonSH

aww @ mrs Audus - bless you - hot honey & lemon in case it's the start of a cold etc, nd a big hug heading your way. Have you had a look on the TV Times website instead of buying that mag?

My own list is woefully small - I'm working today:

1) Check online banking, make sure hubby hasn't snuck his card out the house
2) put some more stuff on ebay ready for the move
3) Photogragh all those horrible 80's toys Ex left, as some crazy person actually wants them lol
4) Badger local shops to give me boxes.
5) Storecupboard tea
6) sign up to all the freebie points I can for ipoints - I'm 76% towards the next lot of vouchers towards our Disney tickets!!!

Today I am wearing my funky blue/green handknitted socks I finished last night. They are super comfy and my excuse is they stop me turning on the heating...actually I'm just really proud of them....

angelflower_2

just jumping in quickly. Please send me lots of prayers and good wishes today.....got meeting at the council this morning regarding the overpayment of council tax benefit/income support which they believe I acted fraudulently on ( I didn't). Means I havent given much thought to the small things yet but will dust myself of this afternoon when its all over....meantime I just have to go to the loo again

one-day

morning everyone grey day here looks like it will rain any min not good.
today is a nsd apart from bills online
tea and dinner from store cupboard
write letters about some accounts
no heating until tonight
going to put item on ebay later fingers crosssed

bit upset today as oh called to change address on tax credits and asked them what they think we will get from april as his pay used to be under £15,000 and now it is just over and there is a chance we will not get anything no idea how we will cope a bit scared