Friday 13/2/09 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 - Woo Hoo salary in bank today:D
• update spreadsheets
• move some money to savings and different pots
• storecupboard lunch and tea with oldies
• 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 -:D all done after tonight
• swim and jacuzzi to use gym membership and get very pruney
• use more xmas smellies up at gym
• not use car
• try and have a no spend day
• Be very sparkly -

Good morning lovely dfw's , it's Friday again:j , although it is Friday the 13th . Salary has hit bank s 15th is weekend so can have fun moving money about and updating spreadsheets
Off to costco for oldies later, need supplies for Valentines party tomorrow and tea tonight. Also need to do my expenses form - hate doing those but work now owes me quite a bit of money after hosting a forum here last month and paying out for catering:eek:

Have a great day everyone, soon be the weekend:D
for any poorly people or down in the dump dfw's, hope you pick up soon.
Hi to al the regular posters and welcome to any new posters:hello: :hello: .

Catch you all later

~Yorkshire_Belle~

OoOoOoO

Possibly second for the first time ever

Big thank you to SM - my pay day is 15th as well and after I saw your post I checked for pay - and it's IN :T Muchos celebrations here especially as my petrol claim has gone through too :j
Must be careful though as this turns NEXT month into a five week month instead of this month - IYSWIM!

Off to earn some more now - catch up with all of you later

Pippilongstocking

Hi guys

Today I am having a kinda DAY OFF - handed in evil introduction so:

Laundry hokey cokey - several times!!!!!
Change my bed - all nice and lovely
Do lots cooking - :D:D:D:D:D:D:D:D
Sort my seeds
Move my compost and grain from the car but it weighs a tonne (but free so all good) got boys to do it - well done chaps - they are useful teenagers - kept them busy for about 1/2 until they thought about using the wheelbarrow:rotfl:
Feed chooks - 1 egg
Have lovely long shower - whoops think lodger had a cold one
Tidy up :D:D:D:D
Clear out plate cupboard
Clear out food cupboard - found 2 bags rice flour, rye flour and soya flour - any ideas??
Make a proper tea list and cook for next week
Bake some yummy stuff:D:D:D:D:D:D:D
Check bank:rolleyes:
Drop back childrens who don't live here :D:D:D:D
DId shopping last night (£23) but still need to get lodger bread and some other bits
Go local ironmonger place for bolts to try and make a saw horse
Email evil supervisor to see if I can get any feedback today.:mad::mad::mad::mad::mad::mad::mad::mad::mad::mad: WHAT IS IT WITH SOME FOLK THAT THEY CAN'T EVEN BE NICE OR OFFER COMMON NORMAL COURTESY BEFORE THEY SHRED YOU???:mad::mad::mad::mad::mad::mad::mad::mad::mad::mad:
Not sure what else yet will update later when the coffee kicks in

Bye and waving - woo hoo for all you guys paid early - its mid month for me PAY WISE....

sillylittlejill

Hey

Today I will:

-send letters to creditors who aren't replying to my letters
-make lunch for OH to drop off at work
-go to friends to help her move into her new place
-yell at the guy in the bank who called her abusive names after messing up her bank account upgrade which left her without a card for a month and talk to his manager
-think about what to do for mine and OH valentines day-we are celebrating it on 14th april instead of tomorrow cos we are skint lol

getting bored of being unemployed, can't find a job and getting so tired of people asking if I have found anything. Would I be sitting watching Will & Grace if I had?!!?!

grr!

hope everyone has a good day
xxx

claireabelle_2

:hello: morning everyone
Happy Friday!
Today I have

• checked my banking
• brought in breakfast and lunch - shouldn't spend anything today!
• updated my spreadsheet
• sulked because vodafone won't refund my month's insurance because they say 30 days' notice was needed, but no-one told me :mad:
• talked my OH out of going to the footie and watching six nations with me instead :kisses3: (it is 300 miles away!!)
• also a friend bought me pizza express dinner last night to say thanks for letting her stay (and I brought the vouchers!!)

think that's it!
have a lovely day
Claire

KTjazz

Hi guys,

remember me?

today I have/will

- finish application form and post it
- get home work done and emailed
- check online banking
- update MSE diary (done but with more later)
- either a NSD or LowSD

Nothing much else. I'm off work with the new windows getting finished off today. Need to go and get something for eating.

I sense comfort food and spending today.

I've figured it out, I'm an emotional eater and spender.

KT. x

shopaholic84

Happy Friday All :beer:

Today i have/will:

* Check online banking
* Played my daily scractchcard, won 10p
* Spend as little as possible - away for weekend with OH
* Check Onepoll

Thats about it today.

xxx

angelflower_2

morning all.....thank !!!! its friday!

Today wont be doing much as determined to work hard and also to get uni stuff done and submitted.

However I will

- scratch and click
- check banking
- pigsback
- try for NSD (about 50/50% chance of success)
- walk dog for free excersise
- storecupboard meals
- one trip to horse



as an aside.....one of the students came in and I just went all a fluttery LOL never thought of him that way before - ooops

hampsterpoo

Morning all ,

super busy work day yesterday started with the 5am wake up can you come in call and just didnt stop.
Todays going to be manic and tommorow to , so not the most productive extra earning days so I will be doing
bingo scratcheezs
racecaller
and some surveys if I can find the time.
keep warm all.

ragstoricheswannabe

Good morning everyone, the thin layer of snow has now turned to sludge.

today i will/have:

• daily scatchcard
• daily clicks
• check ebay items
• check online bank to see if loan gone out and oh been paid overtime
• loaf in the bm
• post rest of ebay items
• wear new boots:D
• ironing ( pile now competing with everest)
• washing hokey cokey
• order £10 voucher from shopandscan
• make tea according to meal plan
• figure out what to do with chicken biryani left from last night. (can you freeze rice??)
• check os board for more cheap meal ideas
• do meal plan for next week
• do weekly shop.
• chat to friends for free on facebook

well that it for me, think that lot will keep me out of trouble.....................
hope everyone has a good friday 13th...............
love rags
xxxxxxx

lemma1968

Hello everyone - not been on for a couple of days cos of work:mad: and cos I have the lurgy...again:rolleyes:

My dfw things have been/will be:

check online banking (received no money for 4 weeks now!!):eek:
pad to MBNA - £300 (by direct debit):T
Done 2 invoices!!!!!:rolleyes: :j
will do the washing hokey cokey at 30c
tidy up, the house looks like Beirut!:o
Done an updating note for a client
Try and work out how i can make £20 last for the groceries this week:rolleyes: :eek:
Scratchie - 10p:p
Send CD's to Music Magpie

That is all I can think off at the moment.

Sadly, I am not feeling very sparkly today. Tired, broke and fed up....but tomorrow is another day!:rolleyes: